# ![@TopiEero Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1247172710008082434.png) @TopiEero Topi

Topi posts on X about $se, $stne, $intr, $boc the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1247172710008082434/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1247172710008082434/c:line/m:interactions.svg)

- [--] Week [------] -60%
- [--] Month [-------] +81%
- [--] Months [-------] +601%
- [--] Year [-------] +588%

### Mentions: [--] [#](/creator/twitter::1247172710008082434/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1247172710008082434/c:line/m:posts_active.svg)

- [--] Months [---] +46%
- [--] Year [---] +46%

### Followers: [---] [#](/creator/twitter::1247172710008082434/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1247172710008082434/c:line/m:followers.svg)

- [--] Week [---] +2.50%
- [--] Month [---] +3%
- [--] Months [---] +46%
- [--] Year [---] +149%

### CreatorRank: [---------] [#](/creator/twitter::1247172710008082434/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1247172710008082434/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  [finance](/list/finance)  [cryptocurrencies](/list/cryptocurrencies)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [social networks](/list/social-networks)  [currencies](/list/currencies)  [automotive brands](/list/automotive-brands)  [celebrities](/list/celebrities)  [travel destinations](/list/travel-destinations) 

**Social topic influence**
[$se](/topic/$se) #35, [$stne](/topic/$stne), [$intr](/topic/$intr), [$boc](/topic/$boc), [$meli](/topic/$meli), [brazil](/topic/brazil), [$grab](/topic/$grab), [$pags](/topic/$pags), [business](/topic/business), [$nu](/topic/$nu)

**Top accounts mentioned or mentioned by**
[@gabgrowth](/creator/undefined) [@thezackzhu](/creator/undefined) [@realroseceline](/creator/undefined) [@capexandchill](/creator/undefined) [@ecommerceking](/creator/undefined) [@vvvvision](/creator/undefined) [@returnsjourney](/creator/undefined) [@alexblomblom](/creator/undefined) [@wolfofharcourt](/creator/undefined) [@riyadosofian](/creator/undefined) [@jpmontero88](/creator/undefined) [@patientinvestt](/creator/undefined) [@carmoanalyse](/creator/undefined) [@emergingmktbull](/creator/undefined) [@jevgenijs](/creator/undefined) [@rtelfordinvest](/creator/undefined) [@szewinvest](/creator/undefined) [@tinytitanscap](/creator/undefined) [@valcosecurities](/creator/undefined) [@drtomslens](/creator/undefined)

**Top assets mentioned**
[Sea Limited (SE)](/topic/$se) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [Interlay (INTR)](/topic/$intr) [Boston Omaha Corporation (BOC)](/topic/$boc) [MercadoLibre Inc (MELI)](/topic/$meli) [Grab Holdings Limited Class A Ordinary Shares (GRAB)](/topic/$grab) [PagSeguro Digital Ltd. (PAGS)](/topic/$pags) [NuCypher (NU)](/topic/$nu) [Crocs, Inc. (CROX)](/topic/$crox) [Eden (EDEN)](/topic/$eden) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Celsius Holdings, Inc. Common Stock (CELH)](/topic/$celh) [Kaspi.kz Joint Stock Company (KSPI)](/topic/$kspi) [4 (FOUR)](/topic/$four) [Alibaba Group (BABA)](/topic/$baba) [Coupang, Inc.  (CPNG)](/topic/$cpng) [Warner Bros Discovery, Inc. (WBD)](/topic/$wbd) [DisChain (DIS)](/topic/$dis)
### Top Social Posts
Top posts by engagements in the last [--] hours

"9. These aforementioned points sums up to one medium strong competitive advantage; switching costs. Local economies of scale in itself might help few years also"  
[X Link](https://x.com/TopiEero/status/1808133252311355447)  2024-07-02T13:38Z [--] followers, [--] engagements


"10. So all in all $stne merchant clients sign up for payment processing POS machines banking and some ERP solutions. They also seek credit/loan which gets distributed and paid back via single platform for payments banking and credit"  
[X Link](https://x.com/TopiEero/status/1808133254794424436)  2024-07-02T13:38Z [--] followers, [--] engagements


"@Barchart Could he be retiring for reason or another Health spending time with family or something like that"  
[X Link](https://x.com/TopiEero/status/1835282168660320306)  2024-09-15T11:39Z [---] followers, [---] engagements


"@BodybyJake7 @growthrapidly Nu may have better business overal and I believe theyll do good long term. However I think that $STNE has fairly sticky customers via switching costs and superb customer service they have been adding hundreds of thousands new MSMB customers (net) every qtr. Both great COs"  
[X Link](https://x.com/TopiEero/status/1838623588460429545)  2024-09-24T16:56Z [--] followers, [---] engagements


"$STNE is getting very very cheap. This years P/E of [--]. And quality of business is much higher than the stock price warrants. But what to expect cheap gets cheaper. Couple of managing missteps few years ago which are already resolved. 1/2"  
[X Link](https://x.com/TopiEero/status/1838997629939909042)  2024-09-25T17:42Z [--] followers, [---] engagements


"Combined with high interest rates in Brazil (affects their prepayment financing). With $BRK (Todd/Ted) liquidating their position earlier this year. And ever increasing fear of competition nonethless $STNE keeps growing increasing margins and acquiring new customers. 2/2"  
[X Link](https://x.com/TopiEero/status/1838997634125897983)  2024-09-25T17:42Z [---] followers, [---] engagements


"@Alexblomblom Yes there are certainly unknown points. I think that Pedro coming in as a CEO (being on board first) was good for the companys focus and excecution. Banco Inter shares was total mess and first credit offering also which was the largest risk IMO but cleaning up now"  
[X Link](https://x.com/TopiEero/status/1839169475213459713)  2024-09-26T05:05Z [---] followers, [--] engagements


"@Alexblomblom Linx is quite uncertain to me also. Sure it was (too) costly acquisition but I think it enhances customer captivity somewhat and meaningful cross selling would be a big plus for business value. I really appreciate your knowledge"  
[X Link](https://x.com/TopiEero/status/1839170639682318575)  2024-09-26T05:10Z [---] followers, [--] engagements


"2. $STNE Still holding strong -Avg cost $14 but was way higher in the $30s initially then bought way down all the way to $7 -misinterpreted the EPV growth as the interest rates rose and credit offering blew up -think that CO is way undervalued today hence keeping it"  
[X Link](https://x.com/TopiEero/status/1842182907542032700)  2024-10-04T12:40Z [--] followers, [---] engagements


"@jevgenijs My bet is on the side that this is a big opportunity for patient investors. $STNE is allocating capital much prudently now under the helm of Pedro Zinner. No more ambiguous acquisitions. Upgraded credit offering should have good ROIs. Share buybacks also"  
[X Link](https://x.com/TopiEero/status/1844260093527044330)  2024-10-10T06:14Z [--] followers, [---] engagements


"@jevgenijs Maybe market dreads about Pix Credit and unclear economics i.e. who gets the value (banks) and who loses ( $stne and $pags prepayment business) But thats the risk Im willing to accept. Also the Brazil ETF has been weak this year and flat for 5yrs"  
[X Link](https://x.com/TopiEero/status/1844261588238553373)  2024-10-10T06:20Z [--] followers, [---] engagements


"@GabGrowth Didnt understand the valuation nor the economics back in 21-22 must admit. Then started to study $SE in [----] and took position in August at $38 and bought more at $36-38 to full position. So timing was lucky and initial ignorance helped with it. So No. [--] I guess"  
[X Link](https://x.com/TopiEero/status/1845383561399960022)  2024-10-13T08:38Z [---] followers, [---] engagements


"@GabGrowth Good post thank you I struggle a bit with the pricing power of $GRAB since it has kind of strong moats and large market share but will the demand on the merchant and consumer side stay when they hike some prices/take rates $SE on the other hand has shown strong durability"  
[X Link](https://x.com/TopiEero/status/1847576219845345616)  2024-10-19T09:51Z [---] followers, [---] engagements


"@DrDonkBet @riyadosofian This is the best clarification of the key risks for $GRAB with which I have been struggling too. Thanks a lot Dr"  
[X Link](https://x.com/TopiEero/status/1847973565599011028)  2024-10-20T12:10Z [---] followers, [---] engagements


"@growthrapidly $STNE for me also"  
[X Link](https://x.com/TopiEero/status/1848761018744459296)  2024-10-22T16:19Z [--] followers, [---] engagements


"@ReneSellmann Ive read the [--] Powers book and its amazing Personally I dont see that $CELH has this counter-postitioning advantage or if it do has how long will it continue Why cant other brands (or new brands with enough capital) make inroads with marketing/branding/collabs"  
[X Link](https://x.com/TopiEero/status/1848779751076319593)  2024-10-22T17:33Z [---] followers, [---] engagements


"@jpmontero88 @patientinvestt I managed to little over double my money on $CROX but sold out although all metrics (exc HD revenue) are solid as theres everlasting innate risk with cheap consum. fashion even with Crocs. Share buybacks might do wonders midterm but whats appropriate P/E maybe 9-12"  
[X Link](https://x.com/TopiEero/status/1855322997621407755)  2024-11-09T18:54Z [---] followers, [---] engagements


"@jpmontero88 @patientinvestt In the end the question comes to the certainty and durability of the earnings power and its potential growth. $CROX"  
[X Link](https://x.com/TopiEero/status/1855324970550796781)  2024-11-09T19:01Z [---] followers, [---] engagements


"@jpmontero88 @patientinvestt Thats a real Phil Fisher scuttlebutt investing Mr And yep share buybacks will help a lot in low valuation periods. Guess Im little (too) conservative on the valuation. $Crox may well be a good investments onwards"  
[X Link](https://x.com/TopiEero/status/1855574638694170856)  2024-11-10T11:34Z [---] followers, [--] engagements


"@RTelford_invest On the other hand buybacks are better allocation decision than overpriced M&As. But true investment shouldnt rely on buybacks"  
[X Link](https://x.com/TopiEero/status/1855576118281093524)  2024-11-10T11:39Z [--] followers, [---] engagements


"@patientinvestt What gives you confidence for 30% earnings CAGR over [--] years out And I dont mean to be disrespectful by any means Its just quite a rare occurrence although $MELI is a very high quality company"  
[X Link](https://x.com/TopiEero/status/1855663279437169097)  2024-11-10T17:26Z [--] followers, [---] engagements


"@RTelford_invest Thanks a lot for taking time for answering"  
[X Link](https://x.com/TopiEero/status/1855856609383113021)  2024-11-11T06:14Z [--] followers, [--] engagements


"$EDEN and $PLX both have negative WC and Invested Capital needs due to large float for which they can invest in commercial interest bearing papers. - $EDEN WC neg 52B and IC neg 37B (ecx. Cash IBD and GW) - $PLX WC neg 31B and IC neg 25B (ecx. Cash IBD and GW) 1/4"  
[X Link](https://x.com/TopiEero/status/1856030781535072604)  2024-11-11T17:46Z [--] followers, [---] engagements


"As long as their business wheel keeps going they are able to finance their highly profitable operations by collecting float funds and the fees from employers. Then they disburse to merchants later on and get the fees also there. Fees are their main operating revenue. 2/4"  
[X Link](https://x.com/TopiEero/status/1856030784005583010)  2024-11-11T17:46Z [--] followers, [--] engagements


"$Se absolute spectacular quarter - All business segments growing and Shopee expecting to remain profitable into the future - $9.9B war chest - Loan book $4.6B $3.8B on-book / $0.8B off- book up 732% - NPLs 1.2% slight improvement - Garena QAUs 628.5M up 155%"  
[X Link](https://x.com/TopiEero/status/1856303037909750147)  2024-11-12T11:48Z [---] followers, [---] engagements


"@GabGrowth This is one main reasons why I respect the management of $SE so highly. These little decisions prove their local efficacy and understanding which is so important on a long term basis for maintaining local leadership. And frankly they seems to go unnoticed by many investors"  
[X Link](https://x.com/TopiEero/status/1856383314082365848)  2024-11-12T17:07Z [---] followers, [--] engagements


"$STNE Nothing new under the Grande Sol. -revenue growth slowing due to software transaction key accounts and membership fees. MSMB Financial income banking and credit growing fast. -cash earnings and EPS growing 32% and 43% due to efficiency take rate hike and buybacks"  
[X Link](https://x.com/TopiEero/status/1856747208252469650)  2024-11-13T17:13Z [---] followers, [----] engagements


"@copperbullfrog $NU is a true beast superb company Thanks for advice have to look into that"  
[X Link](https://x.com/TopiEero/status/1857047904529035687)  2024-11-14T13:08Z [--] followers, [---] engagements


"Very good visualization Everyone whos interest in $SE should follow this gentleman Wolf. Lots of valuable knowledge. $SE Q3 [----] Earnings in Charts - a Thread Here are [--] of the most eye-catching: [--]. Gross Merchandise Volume https://t.co/eYl7tPnFtn $SE Q3 [----] Earnings in Charts - a Thread Here are [--] of the most eye-catching: [--]. Gross Merchandise Volume https://t.co/eYl7tPnFtn"  
[X Link](https://x.com/TopiEero/status/1857090052133736559)  2024-11-14T15:55Z [---] followers, [---] engagements


"$SE Shopee and Youtube $GOOG collaboration could turn out to be major driver for growth. Live Streaming and Youtube partnership - Answer to TikTok To counter TikTok Shopee launched Shopee Live over a year ago. It seems to have had early success with average daily unique streamers growing 50% and buyers growing 15% QoQ. In Indonesia Live streaming was already the Live Streaming and Youtube partnership - Answer to TikTok To counter TikTok Shopee launched Shopee Live over a year ago. It seems to have had early success with average daily unique streamers growing 50% and buyers growing 15% QoQ. In"  
[X Link](https://x.com/TopiEero/status/1857448334748680253)  2024-11-15T15:39Z [---] followers, [---] engagements


"Problem with $Pags is that they are essentially losing merchants (-3%) although they stated them being nano merchants. They invest in Capex and S&M quite a bit so would like to see it contributing to net merchant numbers. Banking client base is growing but just 10% of revs"  
[X Link](https://x.com/TopiEero/status/1857512290532171953)  2024-11-15T19:53Z [--] followers, [---] engagements


"@compound248 @davidfaber Revenue sources and their future prospects matter also. $WBD makes their cash flow via declining linear business and semi cyclical studio segments. They need to get the sufficient scale on streaming. And $39B of coming CFs belong to debt holders"  
[X Link](https://x.com/TopiEero/status/1857865713936945486)  2024-11-16T19:17Z [---] followers, [---] engagements


"@Jon853848087600 Yep $Pags has a ROE 17% and $Stne 23% when adj w/o excess cash (as neither have operational need for it and do buybacks) and Stne still gains new merchants. As you said buybacks and maybe banking client monetization could work for Pags"  
[X Link](https://x.com/TopiEero/status/1858062422629548508)  2024-11-17T08:19Z [--] followers, [---] engagements


"1/3. Using this template as inspiration for $STNE and $PAGS but ROE (banking activities) adjusted for excess cash explained in comments. 21- 22- 23- TTM- Q3 annualized: $STNE (neg 2.5%) - 5.7% - 21.5% - 23.3% - 24.5% $PAGS 22% - 17.6% - 19.5% - 17% - 17.3% 10-Baggers - ROIC - Return on invested capital High ROIC has little predictive power of future returns however the *trend* in ROIC can be more predictive. More than 60% of 10-baggers in the last [--] years show improving ROIC from the low to high. (2/n) 👇 https://t.co/LB0gB73YmP 10-Baggers - ROIC - Return on invested capital High ROIC has"  
[X Link](https://x.com/TopiEero/status/1858556392031789484)  2024-11-18T17:02Z [--] followers, [----] engagements


"2/3. Used ROE instead of ROIC b/c both COs use debt and debt like liabilities like deposits as part of their capital structure. Used EBT for more comparable results. When using Cash EBT (EBT+D&A-Capex) the difference for $STNE becomes even more apparent"  
[X Link](https://x.com/TopiEero/status/1858556394875613350)  2024-11-18T17:02Z [--] followers, [---] engagements


"3/3. Cash EBT ROE: $STNE: (neg 13.6%) - 4.5% - 15.8% - 17.4% - 20.9% $PAGS: 10.7% - 7.5% - 13.4% - 11.4% - 12.3% Stone has slowed Capex - Pags has increased. Stone has continued to gain merchant customers and Pags saw declining number in Q3 but gained banking clients"  
[X Link](https://x.com/TopiEero/status/1858556397681578014)  2024-11-18T17:02Z [--] followers, [---] engagements


"@Invesquotes $Eden Edenred and $PLX Pluxee. Both have decades old business model on employee benefits market always present regulatory risk and much higher FCF vs net income due to float they get before it gets distributed. Both stocks have crashed"  
[X Link](https://x.com/TopiEero/status/1858593823099940884)  2024-11-18T19:31Z [--] followers, [----] engagements


"@ReturnsJourney Thanks for asking Just added $STNE the stock is a gift that keeps on giving"  
[X Link](https://x.com/TopiEero/status/1859282122147524818)  2024-11-20T17:06Z [--] followers, [---] engagements


"@b_g2022_ Yes thatt absolutely true MSMBs are more profitable and easier to monetize via banking and software also. Im a $STNE shareholder myself and think its fine company and mgmt Im just wondering why market continues to ignore the company"  
[X Link](https://x.com/TopiEero/status/1859637303502843965)  2024-11-21T16:37Z [--] followers, [--] engagements


"$STNE new R$ 2B (US $ 340MM) buyback program on top of just completed previous R$ 1B. Not bad for $2.9B company 117% of the outsanding shares"  
[X Link](https://x.com/TopiEero/status/1859841905997361222)  2024-11-22T06:10Z [--] followers, [----] engagements


"Predictions for [----] (light-minded): -Jaguar brand release was plain marketing gimmick to get wide attention -$BTC will crash badly and $MSTR with it -$CELH sales growth will still be in some trouble -BRKA Ted & Todd still underperforming Buffett -NVDA will do okay"  
[X Link](https://x.com/TopiEero/status/1859946574115439075)  2024-11-22T13:06Z [---] followers, [---] engagements


"@QuipusCapital I think theres no point to evaluate $STNE and $PAGS on EBITDA basis they have had and still have meaningful Capex and their interest expenses are large and integral part of their business model due to prepayment nature of the credit card disbursements to merchants"  
[X Link](https://x.com/TopiEero/status/1860204989995712644)  2024-11-23T06:13Z [--] followers, [---] engagements


"@QuipusCapital However they are very cheap overrall and especially $STNE growing decent amounts with clear plan to expand credit and banking offerings. Past valuations and growth rates are past but now they are more retention stable growth and monetization stories. I own $STNE like the Co"  
[X Link](https://x.com/TopiEero/status/1860205864109609154)  2024-11-23T06:16Z [--] followers, [---] engagements


"@SixSigmaCapital Its kind of funny to think that $STNE could have fair valuation closer to $15B (20 x [----] earnings) in couple of years instead of $3B but time will tell Im just dreaming"  
[X Link](https://x.com/TopiEero/status/1860231784195326011)  2024-11-23T07:59Z [--] followers, [--] engagements


"@riyadosofian Hi Do you have some write-up or something of $MQ for which elaborates their competitive advantages and business model"  
[X Link](https://x.com/TopiEero/status/1860234879281299664)  2024-11-23T08:12Z [--] followers, [---] engagements


"@banana_capital_ No they didnt disclose it but Ill get back to you if I find it somehow. I asked Perplexity and it said the client was Banco Inter but then it said that it fabricated and was totally false 😅🤔"  
[X Link](https://x.com/TopiEero/status/1860576226408124588)  2024-11-24T06:48Z [--] followers, [--] engagements


"@banana_capital_ Actually wouldnt be unprecedented if the case was so. $STNE sold their $INTR stake earlier in [----] and Inter has his own wholy owned acquirer firm now"  
[X Link](https://x.com/TopiEero/status/1860578693816459688)  2024-11-24T06:58Z [--] followers, [---] engagements


"As so many people are convinced that $CELH is undervalued at $30 per share and +$7B market cap can anyone explain what their rough intrinsic value is Or just poll: Under $30 per share 30$ per share Over 50$ per share Over $30 per share Under $30 per share 30$ per share Over 50$ per share Over $30 per share"  
[X Link](https://x.com/TopiEero/status/1861098765441966135)  2024-11-25T17:24Z [---] followers, [---] engagements


"@CDInewsletter It would be quite wise probably since the long term shareholders of $BRK could be decent/good capital allocators on their own and BRK is just so large to make positively future changing allocations anymore (though Apple was one)"  
[X Link](https://x.com/TopiEero/status/1861381981847552306)  2024-11-26T12:10Z [--] followers, [---] engagements


"1/3 As some have compared $BOC to initial stage $BRK.A (and not hard to deduce why) good to remember where current form $BRK started from; 🏭 Cicar Butt Textile Mill 💰 Trading Stamps with Float 🍬 Div Retailing (Sees and NFM are great) etc. + Great capital allocator"  
[X Link](https://x.com/TopiEero/status/1861388544645697855)  2024-11-26T12:36Z [--] followers, [---] engagements


"2/3 One could say that the assets of $BOC are even stronger: 🪧 Billboard Biz with Regulatory Moat and high ROTC 💻 Broadband with Growing Emphasis on Fiber Internet 💰 Surety Insurance with Float and Low Loss Ratio ✈ Stake in $SKYH Air Hangars with Reg Moat + Promising Leader"  
[X Link](https://x.com/TopiEero/status/1861388547267207672)  2024-11-26T12:36Z [--] followers, [---] engagements


"3/3 Ofc Mr. Buffett is one of a kind assiduous genius and Mr. Munger was rational multidisciplinary deep thinker. But the quality of businesses matter also so I think $BOC is in good position on that front although its by no means $BRK"  
[X Link](https://x.com/TopiEero/status/1861388549964120401)  2024-11-26T12:36Z [--] followers, [---] engagements


"$EDEN and $PLX few years out Capital light businesses tend to outperform: https://t.co/KiJngbaOh9 Capital light businesses tend to outperform: https://t.co/KiJngbaOh9"  
[X Link](https://x.com/TopiEero/status/1861411956252410103)  2024-11-26T14:09Z [--] followers, [---] engagements


"$CROX interest in Hey Dude Shoes growing over the years but sales declining. Not the best indicator though"  
[X Link](https://x.com/TopiEero/status/1861421676828725658)  2024-11-26T14:48Z [--] followers, [---] engagements


"@jpmontero88 $STNE $PAGS and other processors luckily get a little help due to their take rate model but yep probably not good for the long term economy and consumers hence"  
[X Link](https://x.com/TopiEero/status/1861438779241689184)  2024-11-26T15:56Z [--] followers, [---] engagements


"@hypergrowth102 Hard part (one of the many) is the timing. Lets say you buy a CO worth 1B selling for 200M well if its so undervalued and you found it what will suddenly trigger the price appreciation closer to fair value of 1B In many cases it takes years"  
[X Link](https://x.com/TopiEero/status/1861476440803299352)  2024-11-26T18:25Z [--] followers, [---] engagements


"@Giuliano_Mana This was amazing book and not so known about the birth of financial industry Visa MasterCard HedgeFunds Peter Lynch and many more. Buffett and Munger recommended it in some of 90s BRK AGM"  
[X Link](https://x.com/TopiEero/status/1861491992863125880)  2024-11-26T19:27Z [--] followers, [---] engagements


"One reason among others why its hard to achieve +20% CAGR is that you dont know when your bargain investments begins to unload the undervaluation. May take months may take years. And that has to be baked to the story when considering CAGR. 1/"  
[X Link](https://x.com/TopiEero/status/1862076537245237274)  2024-11-28T10:10Z [--] followers, [---] engagements


"I saw $STNE earnings power and advantages behind the then-current problems in the year [----] and build large position in [----]. I just never thought that it would ever trade as cheap as P/E [--] on durable earnings after taking all into consideration. And soon we live in [----]. 2/"  
[X Link](https://x.com/TopiEero/status/1862076539782697454)  2024-11-28T10:10Z [--] followers, [---] engagements


"On the other hand I build my $SE position at $36-38 range in [----] as the undervaluation was striking considering all the aspects my simple brains could conceive. And hear we are at +200% unrealized profit. I call that lucky. 3/"  
[X Link](https://x.com/TopiEero/status/1862076542316093859)  2024-11-28T10:10Z [--] followers, [---] engagements


"$CROX timing was lucky also when stock drop to $50s and I saw that as a satisfactory margin of safety with P/FCF closer to [--] sales and margins moving forward. Good brand marketing. Sold the position 100% profit b/c HeyDude operational unclarity. May enter back in future. 4/"  
[X Link](https://x.com/TopiEero/status/1862076544941777354)  2024-11-28T10:10Z [--] followers, [---] engagements


"@GranicznyJoseph @LeoNelissen Freefall agains what Dollar Euro"  
[X Link](https://x.com/TopiEero/status/1862111237674275121)  2024-11-28T12:28Z [--] followers, [---] engagements


"R$4.5 billion would not be catastrophic if $STNE keeps contractual strategic partnerships for bundling. We as a investors have to be realistic Stone overpaid back in [----] and it was a different market and different management back then. Constellation and Roper both after Linx $ROP $CSU $STNE the company is asking for approximately [--] times Linx's EBITDA which would be around R$4.5 billion $750 million USD 💰 https://t.co/fk6murO2mX Constellation and Roper both after Linx $ROP $CSU $STNE the company is asking for approximately [--] times Linx's EBITDA which would be around R$4.5 billion $750"  
[X Link](https://x.com/TopiEero/status/1862485550143340998)  2024-11-29T13:15Z [--] followers, [----] engagements


"@JakeMRuth @PronkDaniel Thats a real due diligence"  
[X Link](https://x.com/TopiEero/status/1862540117379829956)  2024-11-29T16:52Z [--] followers, [--] engagements


"East India Co had one of a kind regulatory MOAT so it grew to become the most powerful Co of times. But it was also regulation that led to its downfall. $AMZN $MELI $SE are closest comparables today ofc w/o such a strong reg moat but moats of scale and network effects. The East India Company was the most powerful corporation of all time. It had an army larger than Great Britain's and its influence shaped the borders of nations. So how did a company become stronger than most countries🧵 https://t.co/HGLjK21x2N The East India Company was the most powerful corporation of all time. It had an army"  
[X Link](https://x.com/TopiEero/status/1862837753802588555)  2024-11-30T12:35Z [--] followers, [---] engagements


"@long_equity Understood the point however I want to challenge a bit; when you say all these statistics and criteria are all of those backward looking 25% (of Cos) had FCF/shr growth 15% but hows the future many years ahead You can pick the faster FCF/shr ROC growers"  
[X Link](https://x.com/TopiEero/status/1863222778092023971)  2024-12-01T14:05Z [--] followers, [---] engagements


"One negative concern for $STNE selling Linx is their R$ [--] Billion (US$ 830mm) recognized goodwill for Linx. So when and if Stone sells Linx at discount to purchase price they may have to recognise several 000s MM paper LOSS for that period. And boy investors wont like that"  
[X Link](https://x.com/TopiEero/status/1863239850280767846)  2024-12-01T15:12Z [--] followers, [----] engagements


"Balance sheet will be much cleaner after that and its merely non cash write down (cash already left the building long ago) but given the sentiment investors wont appreciate that. Im not planning on selling my shares for that but hope mgmt will seize the opportunity. $STNE"  
[X Link](https://x.com/TopiEero/status/1863240967173632248)  2024-12-01T15:17Z [--] followers, [---] engagements


"@SFarringtonBKC @RoyalPips Not that simple. $STNE has accelerating ROE and $PAGS more volatile. Stone still grew their MSMBs over 100k last Q but Pags was flat on active merchants. Yes Pags has quite huge banking base but lacks monetization (could change in future). Stone more clear roadmap etc"  
[X Link](https://x.com/TopiEero/status/1863662713135583476)  2024-12-02T19:13Z [--] followers, [---] engagements


"@SFarringtonBKC @RoyalPips Yeah thats true also. $STNE s earlier focus on SMBs was good choice as they are a bit stickier vs. nanos or micros but many moving parts. I see both of them undervalued to their intrinsic value"  
[X Link](https://x.com/TopiEero/status/1863828681514250379)  2024-12-03T06:12Z [--] followers, [---] engagements


"@Arkalos77 @Investy_ @BillAckman Or maybe $BRK could take large stake they understand the float business"  
[X Link](https://x.com/TopiEero/status/1863967349180674446)  2024-12-03T15:23Z [--] followers, [---] engagements


"$SE is doing many things right in Brazil as they: just turned to profitability (adj EBITDA but still) in Q3 [--] 2nd largest e-commerce there while operating just since [----] growing monthly active buyers 40% YoY in Q3 [--] I wouldnt bet against CEO Forrest Li 🫡 #long $MELI $SE $AMZN Brazilian e-commerce returns to growth in October after [--] months of retraction. Top [--] companies hold 51.5% of all e-commerce audiences in with Mercado Livre maintaining the lead with 13.4% of the total share followed by Shopee at 8.8% and Amazon at 7.9%. https://t.co/AaXlQ3r1iv $MELI $SE $AMZN Brazilian e-commerce"  
[X Link](https://x.com/TopiEero/status/1864014366787477553)  2024-12-03T18:30Z [--] followers, [---] engagements


"@InvestInAssets $SE and $EDEN"  
[X Link](https://x.com/TopiEero/status/1864267451128586321)  2024-12-04T11:16Z [--] followers, [---] engagements


"@rubicon59 @rookisaacman $FOUR to the moon 🚀"  
[X Link](https://x.com/TopiEero/status/1864360249752273004)  2024-12-04T17:24Z [--] followers, [---] engagements


"Maybe no one cares but I asked $STNE IR department about potential goodwill impairment relating to Linx sale and capital allocation and got very kind and comprehensive answer:"  
[X Link](https://x.com/TopiEero/status/1864593972426944653)  2024-12-05T08:53Z [--] followers, [----] engagements


"- focus was and continues to be on cross selling these solutions to our clients and we have been going well on this. - potential sale of the software business would not alter our overall strategy"  
[X Link](https://x.com/TopiEero/status/1864593977300734379)  2024-12-05T08:53Z [--] followers, [---] engagements


"- management looks price action and focus remains on maximizing shareholder value. - dont believe in accumulating excess capital. - if determine that have surplus capital beyond what is needed for strategic plan we will certainly consider returning it to shareholders"  
[X Link](https://x.com/TopiEero/status/1864593979733361126)  2024-12-05T08:53Z [--] followers, [---] engagements


"@TihoBrkan @F_Compounders Yep certainly. Even Berkshire Hathaway was a bit irrational decision from him. He and Munger are/were just less irrational than the most (almost anybody else in the investment field)"  
[X Link](https://x.com/TopiEero/status/1865683988154597680)  2024-12-08T09:05Z [--] followers, [--] engagements


"@elonmusk @Tesla How well can it walk up to the Air Force One"  
[X Link](https://x.com/TopiEero/status/1866175255149982157)  2024-12-09T17:37Z [--] followers, [--] engagements


"@GabGrowth Great thinking Gab Sorry for my invert thoughts but one concern could however be the possibility of cannibalising FF franchise. If Free City becomes huge enterprise with similar demographics thatll could eat userbase from FF. Though the most important is $SE keeping users"  
[X Link](https://x.com/TopiEero/status/1866455024974614649)  2024-12-10T12:08Z [--] followers, [---] engagements


"@GabGrowth I think TT have better chance to win there due to brand/recognizability than $Se had. And on the other hand probably net positive for $Se also when TT spends their time and money resources in the Europe crusade hence less focus in SEA"  
[X Link](https://x.com/TopiEero/status/1866552381342879855)  2024-12-10T18:35Z [--] followers, [--] engagements


"Good and clear-minded summary for $STNE which is probably one of the most underappreciated and misunderstood opportunities in the market right know. #long Started a position in $STNE last Friday and added to my position yesterday. Its a 7% position for me currently. The thread below summarizes my thought process on this holding 🧵 1/8 https://t.co/tQNreQ5EnX Started a position in $STNE last Friday and added to my position yesterday. Its a 7% position for me currently. The thread below summarizes my thought process on this holding 🧵 1/8 https://t.co/tQNreQ5EnX"  
[X Link](https://x.com/TopiEero/status/1866558853598572594)  2024-12-10T19:01Z [--] followers, [---] engagements


"@FedexSTi @wolfofharcourt Mr Fede What happened to your career in $NU"  
[X Link](https://x.com/TopiEero/status/1871187853348364506)  2024-12-23T13:35Z [--] followers, [---] engagements


"@FedexSTi @wolfofharcourt Oh thanks a lot for answering Mr Have a great holiday season"  
[X Link](https://x.com/TopiEero/status/1871451495197200441)  2024-12-24T07:03Z [--] followers, [--] engagements


"Im so grateful for the investors like Gab who keeps on producing this detailed analysis. Me myself love reading and investing but writing has always been a weak part. Recommend to follow @GabGrowth if not already. Long $SE Why $SE is my top pick for 2025: Sea Limited endured a tough 2022/2023 as growth fell off the cliff following the COVID pull-forward in growth. Owing to the nature of their business Sea Limited benefited greatly in both its Gaming and E-Commerce divisions seeing [--] digit % Why $SE is my top pick for 2025: Sea Limited endured a tough 2022/2023 as growth fell off the cliff"  
[X Link](https://x.com/TopiEero/status/1871852271014940980)  2024-12-25T09:35Z [--] followers, [---] engagements


"@Szew_invest @realroseceline Pix Financing / Pix Credit could potentially start to disrupt their largest income generator = prepayment revenue from credit card transactions and the value goes to those parties who offers the Pix financing for the customer (banks like $intr and $nu notably)"  
[X Link](https://x.com/TopiEero/status/1875910227440312671)  2025-01-05T14:20Z [--] followers, [---] engagements


"@ReturnsJourney @Szew_invest @realroseceline Overall pix drives adoption from cash to digital payments. Also acquirers like $STNE make money by disbursing their merchant-clients credit card receivables on a discounted prices (so get interest) before the actual settlement day (27 days in Brazil). But Pix will affect. 1/2"  
[X Link](https://x.com/TopiEero/status/1876165948518096958)  2025-01-06T07:16Z [--] followers, [---] engagements


"@ReturnsJourney @Szew_invest @realroseceline 2/2 .so end customers wont use credit cards *as much* and can get Pix financing from their own bank trought BNPL and other credit related ways. In that sence the interest income will go to these banks instead. But credit cards are still growing so itll take a while"  
[X Link](https://x.com/TopiEero/status/1876167091935662576)  2025-01-06T07:21Z [--] followers, [--] engagements


"I initiated positions in $INTR and $NU about a month ago for the sake of price (on my view) relative to value as they both are quality banks operating in an efficient manners growing customers and balance sheet. Theres ofc risks with banks and LATAM hence opportunities also. After posting about $NU $INTR caught my attention as a smaller under-the-radar $NU. Focused on payment solutions and fintech $INTR is well positioned to capitalize on LATAMs digitization. Its valuation is dirt cheap trading at just a 7x PE ratio while earnings are projected https://t.co/al5pK7aJ2w After posting about $NU"  
[X Link](https://x.com/TopiEero/status/1876657012714643557)  2025-01-07T15:47Z [--] followers, [---] engagements


"Very clear and thoughtful write-up for $NU and $INTR investors or for people willing to invest in Brazilian financial sector Valuation comparison between Inter&co and Nubank $NU $INTR $INBR32 $STNE $PAGS https://t.co/hztAqUR9E9 Valuation comparison between Inter&co and Nubank $NU $INTR $INBR32 $STNE $PAGS https://t.co/hztAqUR9E9"  
[X Link](https://x.com/TopiEero/status/1876659844654014965)  2025-01-07T15:59Z [--] followers, [---] engagements


"$PLX Finally some positive movement after todays proper Q1 [--] revenue release. Smaller position for me but happy with that. $EDEN seems to move also 4% up with $PLX a larger pos for me"  
[X Link](https://x.com/TopiEero/status/1876976046014091469)  2025-01-08T12:55Z [--] followers, [---] engagements


"@realroseceline I respect your viewpoint. Myself as a $STNE shareholder I just think that they are *quite* a quality Co whos turning to became full house merchant bank with attractive ROIs on their credit biz. Obviously theres risk to that so have to balance portfolio accordingly"  
[X Link](https://x.com/TopiEero/status/1877078524600664236)  2025-01-08T19:42Z [--] followers, [---] engagements


"@TihoBrkan Higher ROEs and ROICs than rest of the world with anticipation for continuation of such. Some mean reversion will likely happen but mean reversion of what fP/E fP/FCF Mean of ROIC Growth Valuation to what Not so sure too tough to guess with reasonable time-accuracy"  
[X Link](https://x.com/TopiEero/status/1877381787011178803)  2025-01-09T15:47Z [--] followers, [--] engagements


"@finding_value_ Yep 4mm merchant clients which of 2.8mm using banking is quite good scale for profitable credit operations. Pix credit and how itll affect credit card spending long/mid term is the main concern but Nu and Inter issue lots of CCs so dont seem to be issue any time soon"  
[X Link](https://x.com/TopiEero/status/1878176918366744749)  2025-01-11T20:27Z [--] followers, [--] engagements


"@finding_value_ Glad to hear I actually have $STNE $NU and $INTR it has been handy to analyze these Cos when comparing their financials in dif areas of the biz to each other"  
[X Link](https://x.com/TopiEero/status/1878368236451893255)  2025-01-12T09:07Z [--] followers, [---] engagements


"@NickBInvesting I own $NU and $STNE but due to weak sentiment towards $STNE biz model I would choose $NU for [----] if had to choose"  
[X Link](https://x.com/TopiEero/status/1879153822452572455)  2025-01-14T13:09Z [--] followers, [---] engagements


"@NickBInvesting Yep Meli is great as a business and would love to own I just wasnt familiar enough earlier but may own some day. $Se has been my ecommerce Co since $ [--] and happy with that"  
[X Link](https://x.com/TopiEero/status/1879469416783765530)  2025-01-15T10:03Z [--] followers, [--] engagements


"This👇 SBC is very real dilutive expense and theres no free lunches. Also FCF has to be assessed for maintenance and growth CAPEX and also other investments like increasing working capital mergers. Basically its very important to understand every line of the CF statement. Why we don't like the traditional FCF definition for valuation purposes. From our Q4 Letter. It explains why we prefer $BKNG over $ABNB. https://t.co/kSQ5FZimBK Why we don't like the traditional FCF definition for valuation purposes. From our Q4 Letter. It explains why we prefer $BKNG over $ABNB. https://t.co/kSQ5FZimBK"  
[X Link](https://x.com/TopiEero/status/1880587156076614112)  2025-01-18T12:04Z [--] followers, [---] engagements


"@ReturnsJourney Appreciate what youre saying. Do you think the competition (as a risk sence) in Brazil differs from US or Europe example As $NU and $INTR themselves have been the tough competitiors to incumbents and disrupted their status eating market share etc"  
[X Link](https://x.com/TopiEero/status/1880715708679799242)  2025-01-18T20:35Z [--] followers, [---] engagements


"Insightful thread and comment section considering $NU $INTR $STNE $PAGS etc. competition credit risks and investing in LATAM financial sector. I worked in payments and fintech many years reviewed $NU and $INTER. I am not really comfortable with the Brazilian fintech risk and competition. It's surprising that people with no banking or fintech background can be so comfortable with it. Sometimes ignorance is bliss. I worked in payments and fintech many years reviewed $NU and $INTER. I am not really comfortable with the Brazilian fintech risk and competition. It's surprising that people with no"  
[X Link](https://x.com/TopiEero/status/1880906293491449963)  2025-01-19T09:13Z [--] followers, [---] engagements


"@Arkalos77 Offtopic but Ive pushed the like bottom of this post of yours at least three different times and everytime I see it shows up again it shows that Ive not pushed the like bottom 😅 Maybe as a $Eden shareholder thats sign from the Higher 😂"  
[X Link](https://x.com/TopiEero/status/1881303425930977649)  2025-01-20T11:31Z [--] followers, [--] engagements


"Nothing $NU under the Mexican sun ☀ Long $NU Nu Mexico reached [--] million customers or 12% of the adult population five years after launching its first product. The key catalyst for this growth was Cuenta Nu which significantly boosted financial inclusion with its digital services. @nubank @velez_david https://t.co/geoOEEo7jQ $NU Nu Mexico reached [--] million customers or 12% of the adult population five years after launching its first product. The key catalyst for this growth was Cuenta Nu which significantly boosted financial inclusion with its digital services. @nubank @velez_david"  
[X Link](https://x.com/TopiEero/status/1882105104826032340)  2025-01-22T16:36Z [--] followers, [---] engagements


"Thats why I decided to sell $CROX last year although I like the management numbers and footwear. Just too hard for me to forecast. Investing is hard. To make it easier I try to avoid investing in items or industries that can go in or out of favour very quick. $CELH Investing is hard. To make it easier I try to avoid investing in items or industries that can go in or out of favour very quick. $CELH"  
[X Link](https://x.com/TopiEero/status/1882700435540328570)  2025-01-24T08:02Z [--] followers, [---] engagements


"Great summary of the Brazilian fintech market opportunity and fears of Pix. $NU $INTR $STNE @pepiteseurope So far credit card payment volume growth exceeds GDP growth. The chart is extremely misleading in that way as it excludes cash transactions prior to pix (because these are impossible to track). Pix is probably more of a threat to Debit Cards and Pre-paid cards. People like the @pepiteseurope So far credit card payment volume growth exceeds GDP growth. The chart is extremely misleading in that way as it excludes cash transactions prior to pix (because these are impossible to track). Pix"  
[X Link](https://x.com/TopiEero/status/1883075855859232787)  2025-01-25T08:54Z [--] followers, [---] engagements


"@GabGrowth I would look for $INTR (smaller digital bank to $NU growing efficiently) and $STNE undervalued merchant acquirer transforming to merchant bank. Ofc theres credit risk to these names"  
[X Link](https://x.com/TopiEero/status/1897608331037913101)  2025-03-06T11:20Z [--] followers, [---] engagements


"Awesome right time to expand for $INTR. https://t.co/2RoXB1mo4l #inbr32 $intr https://t.co/2RoXB1mo4l #inbr32 $intr"  
[X Link](https://x.com/TopiEero/status/1899737823885889739)  2025-03-12T08:22Z [--] followers, [---] engagements


"Really good data of $SE logistics. Thank you Mr $SE Shopee Logistics Service Taiwan launched in [----] is now Taiwan's biggest logistics player. It operates [----] pickup storesup 55% from [----] a year ago. $SE Shopee Logistics Service Taiwan launched in [----] is now Taiwan's biggest logistics player. It operates [----] pickup storesup 55% from [----] a year ago"  
[X Link](https://x.com/TopiEero/status/1899783539710738727)  2025-03-12T11:24Z [--] followers, [---] engagements


"Amazing fee hikes in Vietnam. After Q2 we may know how strong is $SE pricing power and network effects. $SE Shopee fees before and after [--] April hikes https://t.co/JMYY4V6bHf $SE Shopee fees before and after [--] April hikes https://t.co/JMYY4V6bHf"  
[X Link](https://x.com/TopiEero/status/1901622260093305034)  2025-03-17T13:10Z [--] followers, [---] engagements


"@realroseceline Over the longer term I think LatAm consumer credit behaviour might be riskier than in SEA considering their tendency for multiple credit cards etc. I already have enough credit risk in other LatAm Cos. Also SEAs economic LT growth and digitalisation makes me optimistic. 1/2"  
[X Link](https://x.com/TopiEero/status/1907858000255062205)  2025-04-03T18:09Z [--] followers, [--] engagements


"@realroseceline So its hard to be negative of $SE as they execute and learn from their mistakes have pricing power boast +50% market share in many of their operating countries"  
[X Link](https://x.com/TopiEero/status/1907858672308384215)  2025-04-03T18:12Z [--] followers, [---] engagements


"Clear-minded common sense by Gab👇 Highly recommend for $SE $GRAB $MELI investors Right lets think critically about the impact of tariffs on $SE $GRAB $MELI ; businesses outside of the US sphere of influence. First Order Consequences of tariffs on the operations of these businesses: $SE: Its e-commerce activity is largely intra-regional with the majority Right lets think critically about the impact of tariffs on $SE $GRAB $MELI ; businesses outside of the US sphere of influence. First Order Consequences of tariffs on the operations of these businesses: $SE: Its e-commerce activity is largely"  
[X Link](https://x.com/TopiEero/status/1908169891250655400)  2025-04-04T14:48Z [--] followers, [---] engagements


"That didnt take too long. $SE TRUMP: JUST HAD A VERY PRODUCTIVE CALL WITH TO LAM GENERAL SECRETARY OF THE COMMUNIST PARTY OF VIETNAM TRUMP: LAM TOLD ME THAT VIETNAM WANTS TO CUT THEIR TARIFFS DOWN TO ZERO IF THEY ARE ABLE TO MAKE AN AGREEMENT WITH THE U.S TRUMP: JUST HAD A VERY PRODUCTIVE CALL WITH TO LAM GENERAL SECRETARY OF THE COMMUNIST PARTY OF VIETNAM TRUMP: LAM TOLD ME THAT VIETNAM WANTS TO CUT THEIR TARIFFS DOWN TO ZERO IF THEY ARE ABLE TO MAKE AN AGREEMENT WITH THE U.S"  
[X Link](https://x.com/TopiEero/status/1908205123362251175)  2025-04-04T17:08Z [--] followers, [---] engagements


"Now we shall go back to YTD high $SE"  
[X Link](https://x.com/TopiEero/status/1908206462507045265)  2025-04-04T17:14Z [--] followers, [---] engagements


"$STNE (once $BRK owned) has already gained 65% YTD w/o a single piece of new business related information that prudent investor wouldnt already know. Also $INTR up 62% YTD and $NU 10%. I own them all in that order. Brazilian equities are still trading at historically low valuations particularly when adjusted for the growth in money supply. Emerging markets typically face pressure from two key macro factors: A strong dollar and rising US interest rates. Both of these headwinds are https://t.co/Pfx1ab3F6m Brazilian equities are still trading at historically low valuations particularly when"  
[X Link](https://x.com/TopiEero/status/1915640238526910727)  2025-04-25T05:33Z [--] followers, [---] engagements


"@jevgenijs I believe its more of a taking share of the growing pie of merchant financing. As David Velez of $NU has said the merchant credit is very underserved in Brazil. There could be room for $FI to expand with others but lets see"  
[X Link](https://x.com/TopiEero/status/1915697545449218299)  2025-04-25T09:21Z [--] followers, [---] engagements


"@PatchesAKF I think the problem is this continuing trend country by country applying regulation that are counter to $Eden and $Plx business model. Investors start to anticipate new negative aspects. Im still long these but margin of safety is not as wide as I thought initially"  
[X Link](https://x.com/TopiEero/status/1915809571999752564)  2025-04-25T16:46Z [--] followers, [---] engagements


"@wolfofharcourt $STNE 73% up and $INTR 55% up. Year of the 🙌"  
[X Link](https://x.com/TopiEero/status/1919344256289841659)  2025-05-05T10:51Z [--] followers, [---] engagements


"@GabGrowth Could be if the biz keeps executing for the next [--] years with concurrent high/hyper inflation and currency devaluation 😉"  
[X Link](https://x.com/TopiEero/status/1929932964877467979)  2025-06-03T16:07Z [---] followers, [---] engagements


"@realroseceline Congrats Hard work. Were you ever concerned during this Bill Ackman went in and out and Netflix had a small hiccup on their subs How closely have you watched competitiors like $DIS $WBD $PARA etc during these years any thoughts on that"  
[X Link](https://x.com/TopiEero/status/1930129159562338460)  2025-06-04T05:07Z [---] followers, [---] engagements


"@GabGrowth I think its best to find good businesses at cheaper valuation that are building their moats and hence turning to great businesses. There arent many of them inside circle of competence but few during the years is enough. Id argue $SE was like that back in -23"  
[X Link](https://x.com/TopiEero/status/1930519375854870940)  2025-06-05T06:57Z [--] followers, [--] engagements


"Great summary for $SE. Im a happy shareholder since August [---] (with concentrated portfolio). $SE is up 115% over the last year and I've been covering why. The company is firing on all cylinders - $4.8B revenue (+29.6% YoY) with $410M net income. Every single division is now profitable and growing. Here's why $SE is still a massive opportunity:🧵 https://t.co/x90kfvJwhZ $SE is up 115% over the last year and I've been covering why. The company is firing on all cylinders - $4.8B revenue (+29.6% YoY) with $410M net income. Every single division is now profitable and growing. Here's why $SE is"  
[X Link](https://x.com/TopiEero/status/1932837743274422452)  2025-06-11T16:30Z [---] followers, [---] engagements


"1/13 $BOCs Broadband division (BOB) does quite fine with 50% YoY fiber subscriber growth in Q1 [----] (13200 vs. [----] in Q1 2024). FFH subs jumped 116% to [----] albeit small base. Doesnt sound bad. 📈 $BOC"  
[X Link](https://x.com/TopiEero/status/1933567017145045059)  2025-06-13T16:47Z [---] followers, [---] engagements


"2/13 Q1 [----] revenue hit $10.3M up 6.6% from $9.7M in Q1 [----]. FY [----] revenue grew 10.7% to $39.1M. BOBs fiber focus fuels steady gains. 💰 $BOC"  
[X Link](https://x.com/TopiEero/status/1933567020684963855)  2025-06-13T16:47Z [---] followers, [---] engagements


"3/13 Q1 [----] cash flow from ops for the conglomerate was $2.6M up from $2.4M in Q1 [----]. FY [----] cash flow from ops hit $21.2M up 31.7% from $16.1M. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567024187183153)  2025-06-13T16:47Z [---] followers, [---] engagements


"4/13 Broadband Adjusted EBITDA in Q1 [----] was $2.7M ($3.6M ex-FFH) vs $1.4M ($2.7M ex-FFH) showing improving profitability. BOBs focus on efficiency supports long-term recurring revenue and CF growth. 📊 $BOC"  
[X Link](https://x.com/TopiEero/status/1933567027932696925)  2025-06-13T16:47Z [---] followers, [---] engagements


"5/13 Fiber passings climbed 34% to [-----] in Q1 [----] with FFH passings at [----]. More passings = more potential subs. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567031900574006)  2025-06-13T16:47Z [---] followers, [---] engagements


"6/13 $BOCs greenfield ops (FFH) target long-term fiber contracts with HOAs ensuring stable/sticky revenue. New networks in developments drive lasting value. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567035923153380)  2025-06-13T16:47Z [---] followers, [---] engagements


"7/13 Fixed wireless subs (not as economic higher maintanence costs) fell to [-----] in Q1 [----] but fibers higher margins align with internet connection trends. BOBs focus for fiber ensures better LT returns. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567039785832865)  2025-06-13T16:48Z [---] followers, [---] engagements


"8/13 Capex of $6.2M in Q1 [----] supports fiber rollout as upfront costs are always large when installing fiber Co has to dig it to the ground for miles long. Govts BEAD ($42.5B) & USDA ReConnect ($1.7B+) funds could cut costs & boost margins for providers. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567043543953661)  2025-06-13T16:48Z [---] followers, [---] engagements


"9/13 BOBs leader Max Meisinger (20+ yrs telecom) and Randy Cosby drive success in rural AZ UT NV markets with local expertise. They seem like prudent fellows. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567047243305466)  2025-06-13T16:48Z [---] followers, [---] engagements


"10/13 Acquisitions like InfoWest & SunRiver Fiber has expanded BOBs reach and in future there could be new acquisitions although Capex is the main cash outflow atm. Local know-how strengthens edge in effort to conduct new biz in underserved areas. $BOC"  
[X Link](https://x.com/TopiEero/status/1933567050951077893)  2025-06-13T16:48Z [---] followers, [---] engagements


"11/13 Global broadband market is expected to hit $976.77B by [----] (8.8% CAGR) so not dying industry. BOBs fiber investments position it for rural market share gains. 📈 $BOC"  
[X Link](https://x.com/TopiEero/status/1933567054814093702)  2025-06-13T16:48Z [---] followers, [---] engagements


"12/13 Rural demand for work-from-home eHealth DTV etc drives growth. Investors havent been happy for not seeing profitability at first glance and few have taken enough time to dig hard and understand different biz segments and real balance sheet value ( $SKYH position). $BOC"  
[X Link](https://x.com/TopiEero/status/1933567058941251966)  2025-06-13T16:48Z [---] followers, [---] engagements


"13/13 One could evaluate BOB based on subs 17.1k x $5000 for fiber + 30.2k x $1k for fixed wireless) and passings 42.2k x $1k = $128M for BOB OR Q1 $3.6M EBITDA (EX narrowing FFH losses (BS earnings I know)) makes $15M annual and growing EBITDA so [--] x makes $220M $BOC"  
[X Link](https://x.com/TopiEero/status/1933567062808670722)  2025-06-13T16:48Z [---] followers, [---] engagements


"@realroseceline Your info for $SE is a bit outdated. They have build own logistics network. Garena is not declining anymore yes they were overearning awhile back. Their every business unit is producing cash especially Fintech. And who else has taken market share as fast than $SE"  
[X Link](https://x.com/TopiEero/status/1933569697057784285)  2025-06-13T16:58Z [---] followers, [--] engagements


"1/11 $BOCs GIG seems to execute with 32% revenue growth in Q1 [----] ($6.6M vs. $5M in Q1 2024). FY [----] revenue hit $24M up 35% from $17.7M in [----]. Their focus on surety bonds drive pretty steady demand compared to other insurance lines. 📈 $BOC"  
[X Link](https://x.com/TopiEero/status/1935050915159097828)  2025-06-17T19:04Z [---] followers, [---] engagements


"2/11 Gross written premiums were $6.2M in Q1 [----] vs. $4.5M in Q1 [----] hefty 38% growth. FY24 gross written premiums were $26.4M vs. $18.8M in FY23. 📈 $BOC"  
[X Link](https://x.com/TopiEero/status/1935050920007713259)  2025-06-17T19:04Z [---] followers, [---] engagements


"4/11 FY [----] Adjusted EBITDA was $2.8M vs. FY [----] of $1.8M. Net income was $2.7M vs. $2.1M ramping up profitability is the very reason I believe GIG to be successful venture for $BOC"  
[X Link](https://x.com/TopiEero/status/1935050927540679064)  2025-06-17T19:04Z [---] followers, [---] engagements


"7/11 GIGs niche in small to mid-sized bonds faces a bit less competition ensuring better pricing dynamics. Also Infrastructure Act ($1.2T) boosts surety bond demand. GIG benefits from public project bonding requirements so regulation can also be good thing in surety. $BOC"  
[X Link](https://x.com/TopiEero/status/1935050939276111993)  2025-06-17T19:04Z [---] followers, [---] engagements


"8/11 Its good to remember that BOCs $21.2M operating cash flow in [----] supports GIGs expansion without financial strain and less acute risks althought GIG is also profitable by itself. 💰 $BOC"  
[X Link](https://x.com/TopiEero/status/1935050942417879389)  2025-06-17T19:04Z [---] followers, [---] engagements


"@GabGrowth - $SE - $STNE - $INTR"  
[X Link](https://x.com/TopiEero/status/1943349031016489329)  2025-07-10T16:38Z [---] followers, [---] engagements


"@riyadosofian BostonOmaha Corp $BOC -sub $500M market cap conglomerate -owning and building few high ROIC businesses and actually generating cash but hidden under accounting D&A and growth Capex investments -easy to hate at the moment"  
[X Link](https://x.com/TopiEero/status/1943533896462675998)  2025-07-11T04:52Z [---] followers, [---] engagements


"$STNE is selling Linx and related software assets to TOTVS for R$3.41B (R$3.05B enterprise value + R$360M net cash). This covers software for retail healthcare education and more. Closing awaits CADE approval. 💰 1/7"  
[X Link](https://x.com/TopiEero/status/1947696536126702017)  2025-07-22T16:33Z [---] followers, [---] engagements


"$STNE also sold SimplesVet a vet-focused software to PetLove for R$140M (4x revenue). CADE already approved this one. Payment includes upfront cash and installments over [--] years adjusted by CDI. 2/7"  
[X Link](https://x.com/TopiEero/status/1947696539855426046)  2025-07-22T16:33Z [---] followers, [---] engagements


"$STNE remaining software businesses generated R$326M in revenue and R$32M in Adjusted EBITDA in [----]. These will either be integrated into core offerings or run independently while their strategic fit is evaluated. 3/7"  
[X Link](https://x.com/TopiEero/status/1947696543269851324)  2025-07-22T16:33Z [---] followers, [---] engagements


"But why did they divest $STNE aims to unlock shareholder value and sharpen focus on its core financial tech and software solutions. This move streamlines operations and sets the stage for growth in high-potential areas. 4/7"  
[X Link](https://x.com/TopiEero/status/1947696546684014681)  2025-07-22T16:33Z [---] followers, [---] engagements


"The R$3.8B goodwill from $STNE original Linx acquisition stays with the company and will be amortized over [--] years. No exclusive commercial agreements with TOTVS but future partnerships are possible. 5/7"  
[X Link](https://x.com/TopiEero/status/1947696550337253656)  2025-07-22T16:33Z [---] followers, [---] engagements


"$STNE plans to share detailed plans post-closing. As their 4Q24 earnings call they expect excess capital to be returned to shareholders if no immediate value-accretive growth opportunities arise. 6/7"  
[X Link](https://x.com/TopiEero/status/1947696553793360203)  2025-07-22T16:33Z [---] followers, [---] engagements


"Holding long and strong $STNE 7/7"  
[X Link](https://x.com/TopiEero/status/1947696557286953177)  2025-07-22T16:33Z [---] followers, [---] engagements


"$CROX Q2. Down quarter of its yesterdays value. I havent own the stock for the past couple of years mainly due to weak predictability of apparel and shoe businesses. Last year or so it was becoming more apparent that HeyDude will be a drag and Crocs was slowing also. 📉👇"  
[X Link](https://x.com/TopiEero/status/1953475068559814813)  2025-08-07T15:15Z [---] followers, [---] engagements


"Dont get caught by past mistake. $STNE blew up their initial merchant credit offering and the write offs of these loans caused the reduction to revenue for the quarter. Investors gave up all the trust on the firm despite that was a minor part of the biz back then. 5/10"  
[X Link](https://x.com/TopiEero/status/1954164324705980641)  2025-08-09T12:54Z [---] followers, [--] engagements


"$STNE stock was once $BRK Berkshire owned Co and their liutenant Todd Combs wont buy any shitCos easily. Also there has been [--] years yes years of time to accumulate study and watch $STNE growing their biz and making right moves and Co valuation got just cheaper. 6/10"  
[X Link](https://x.com/TopiEero/status/1954164328531169610)  2025-08-09T12:54Z [---] followers, [---] engagements


"@dipinvest I dont think its about $Crox being fad or not. They are higher risk apparel brand who has great mgmt who has being able to output best a brand like this possibly can. But its still shoe biz and investors dont value it higher than that. (& I did double my money on crocs). 1/2"  
[X Link](https://x.com/TopiEero/status/1954964287254061160)  2025-08-11T17:53Z [---] followers, [---] engagements


"@dipinvest Buybacks could make this good return. Ofc also if HeyDude should win in the shoe biz then $Crox would be great investment but thats looking like high risk of failure right now and the value is according to that. I dont own this anymore but can see point for owning. 2/2"  
[X Link](https://x.com/TopiEero/status/1954965266015666565)  2025-08-11T17:56Z [---] followers, [--] engagements


"$NU is one of those companies that arent as excited as they use to be for investors and hence dont get the valuation it deserves. Nu is steady but fast compounder with huge scale efficiencies. Long. Another very solid report from $NU they didnt crush numbers but they rarely do. $NU is steady and consistent with their growth and margin expansion. $NU now has 122+ million customers across Brazil Mexico and Columbia. They continue to expand their product portfolio and Another very solid report from $NU they didnt crush numbers but they rarely do. $NU is steady and consistent with their growth"  
[X Link](https://x.com/TopiEero/status/1956223595354492938)  2025-08-15T05:17Z [---] followers, [---] engagements


"Fair point. In todays digital economies traditional banks are rarely winners LT. It was different back then when they had the regional pricing power and switching costs. However digital platforms like $INTR $NU and $SE $MELI are in a much stronger position competitively. In all my years of investing I have never heard a single sensible reason to own a bank. Even in [----] when real estate was collapsing and $BAC was under $5 I still thought it was a bad idea because the opportunity cost of owning a great business at a low price was too high. 🌹 In all my years of investing I have never heard a"  
[X Link](https://x.com/TopiEero/status/1956274965432426817)  2025-08-15T08:41Z [---] followers, [---] engagements


"@GabGrowth Kinda agree and kinda not honored Gab Crocs mgmt has also made brilliant marketing partnerships with celebritys and turbo charged Crocs brand as good and profitable as a ugly shoe brand can be thats why I owned stock back then. But agree all about the HD and market U said"  
[X Link](https://x.com/TopiEero/status/1958891358384500872)  2025-08-22T13:57Z [---] followers, [---] engagements


"@ReturnsJourney Edenred $EDEN and Pluxee $PLX both trade on Paris xchange. Most of their biz in Europe and Lat Am + other parts of the world. They are employee benefit payment providers with quite large moat and cheap valuation due to regulatory concerns for the past years. Float is part of biz"  
[X Link](https://x.com/TopiEero/status/1960761677533663612)  2025-08-27T17:49Z [---] followers, [---] engagements


"@JonahLupton Couple of $CELH drinks and youll be fine Jonah. Get well soon"  
[X Link](https://x.com/TopiEero/status/1961840445102621025)  2025-08-30T17:16Z [---] followers, [---] engagements


"@TheRayMyers How accurate this is to your real portfolio Why would you make $GRAB position double the size of $SE or $MELI"  
[X Link](https://x.com/TopiEero/status/1962838019179729142)  2025-09-02T11:20Z [---] followers, [---] engagements


"@pcf_souza Thanks for sharing $INTR is a great Co"  
[X Link](https://x.com/TopiEero/status/1962904788175077805)  2025-09-02T15:45Z [---] followers, [--] engagements


"@GabGrowth Good write Gab Little sidenote but have you considered that the $50c special dividend was pushed by seed investors like General Atlantic and now they are starting to liquidate their position I get the official low float explanation but not sure if its the whole truth"  
[X Link](https://x.com/TopiEero/status/1963464291501183146)  2025-09-04T04:49Z [---] followers, [---] engagements


"@TomSmith839 Yeah $PLX and $EDEN starts to be deep value names and I wouldnt be suprised if some larger activist fund begins to take part"  
[X Link](https://x.com/TopiEero/status/1965027389546864808)  2025-09-08T12:20Z [---] followers, [---] engagements


"@GabGrowth Great choice Gab $INTR is still quite undervalued after this years run up. Your article was spot on as always"  
[X Link](https://x.com/TopiEero/status/1966573115762184295)  2025-09-12T18:42Z [---] followers, [---] engagements


"@realroseceline Ive studied $FOUR for many years on and off and was going to build a position but theres always been some emerging market Co that is more compelling at the time. As an owner of 6-8 Cos in the portfolio want to keep it simple"  
[X Link](https://x.com/TopiEero/status/1966747463575892005)  2025-09-13T06:15Z [---] followers, [---] engagements


"@GabGrowth Valid points. I think Kazakhstan is little similar to Brazil; lowering interest rates will help with valuation. Also as they plan to expand to adjacent countries thatll do something probably. But overall growth for the Co makes decent IRR possible even if multiple remains low"  
[X Link](https://x.com/TopiEero/status/1968272536074072398)  2025-09-17T11:15Z [---] followers, [---] engagements


"@carmo_analyse @GabGrowth Yeah I can however see that they will expand to other eastern countries and Turkiey quite successfully at least decently. And also Kazakhstan economic growth will give some push to monetize their current customer pool by developing new valuable services and overall spending"  
[X Link](https://x.com/TopiEero/status/1968345757020565719)  2025-09-17T16:06Z [---] followers, [--] engagements


"@carmo_analyse @GabGrowth Im familiar with the $FOUR for years just havent build position but might in the future. Its great company"  
[X Link](https://x.com/TopiEero/status/1968536744405410135)  2025-09-18T04:45Z [---] followers, [---] engagements


"@carmo_analyse @MadEquities Yeah I remember it took me about 2-3 years to understand $STNE (+ $PAGS ) economics and customer switching costs and after that other emerging market fintechs has being a little easier to understand. So cant blame investors fintechs definitely arent easiest to interpret"  
[X Link](https://x.com/TopiEero/status/1970173050525229135)  2025-09-22T17:07Z [---] followers, [---] engagements


"@carmo_analyse Yes but as a sidenote isnt the main point for businesses finding their main acquirer more about offering enough or most of the most important payment options + cheap fees instead of who offers most diff options ie the options that cover +95% of the potential clients"  
[X Link](https://x.com/TopiEero/status/1971993747383791699)  2025-09-27T17:42Z [---] followers, [---] engagements


"My most recent position and plan to hold as long as biz keeps executing. $KSPI Super-App. 30% revenue CAGR. 34% net margins. $2.1B profit. Yet $KSPI trades at just 2.9x EBITDA and 6.7x earnings https://t.co/4ILlTgYdeF Super-App. 30% revenue CAGR. 34% net margins. $2.1B profit. Yet $KSPI trades at just 2.9x EBITDA and 6.7x earnings https://t.co/4ILlTgYdeF"  
[X Link](https://x.com/TopiEero/status/1972586652523700663)  2025-09-29T08:58Z [---] followers, [----] engagements


"@GabGrowth Maybe Ill get on board finally if Melis stock keeps sailing like a drunken sailor hah"  
[X Link](https://x.com/TopiEero/status/1973412834856911162)  2025-10-01T15:40Z [---] followers, [---] engagements


"@GabGrowth How large % Gab you have in top [--] For me its 91% (and top [--] is 76% btw) 😄"  
[X Link](https://x.com/TopiEero/status/1974477269226627572)  2025-10-04T14:10Z [---] followers, [---] engagements


"@emergingmktbull @TinyTitansCap $NU on the other hand is excellent high risk underwriter and that is something that takes time to learn and execute. This creates strong advantage for $NU as they move to more diversified underwriting. I mean when you learn the hardest softer ones are not that arduous anymore"  
[X Link](https://x.com/TopiEero/status/1976150238973878355)  2025-10-09T04:58Z [---] followers, [--] engagements


"@GabGrowth Is this the market top 😂 Go for it Gab would be fun to read"  
[X Link](https://x.com/TopiEero/status/1976318884987928582)  2025-10-09T16:08Z [---] followers, [--] engagements


"Whats your worst investments ever Ill start (Top 5): 💸📜"  
[X Link](https://x.com/TopiEero/status/1842182875950596270)  2024-10-04T12:39Z [---] followers, [---] engagements


"5. $WBD or $DISCA -Average cost $17.43 a share -initial position in $20s when DISCA -didnt understand the decline of linear business properly appropriate valuation for this kind of business demerger sell off and many other things -sold out at $10.6 a share 40% loss"  
[X Link](https://x.com/TopiEero/status/1842182883273773477)  2024-10-04T12:40Z [---] followers, [---] engagements


"4. $KPLT -Average cost $1096 ($274 after split 1:25) -high growth high profit SPAC long runway on sub prime clients yeah right. Fairytales dont come true especially if you believe everything mgmt says. -sold out at $5 ($125 after split) 46% loss big position"  
[X Link](https://x.com/TopiEero/status/1842182891037446227)  2024-10-04T12:40Z [---] followers, [---] engagements


"3. $TBLD Tinybuild -Avg cost [--] pence -cheap and growing microcap at a first glance quite good looking IP but the problem was my ignorance. -CO drifted liq problems due to industry problems high intanglible Capex CF burn etc. -sold near the absolute bottom 2.2p -83%"  
[X Link](https://x.com/TopiEero/status/1842182899673567629)  2024-10-04T12:40Z [---] followers, [---] engagements


"@RTelford_invest Is it more about the relative valuation of the company doing buybacks than the buybacks itself i.e. company buying its stock under its intrinsic value vs. over. And if remember correctly buybacks are at its largest when company is popular on the market"  
[X Link](https://x.com/TopiEero/status/1855698989490008159)  2024-11-10T19:48Z [---] followers, [--] engagements


"I hope that $BOC Boston Omaha has not sold their $SKYH position as it might have even better prospects than their broadband biz. Have to consider time opportunity costs on projects on both of these. But well see when the Q3 comes out"  
[X Link](https://x.com/TopiEero/status/1856411888663564316)  2024-11-12T19:00Z [---] followers, [---] engagements


"Its encouraging to see increasing margins for every major business segment of $BOC - Link 14.9% NI margin and 85% non-cash exp added back makes it 32.5% cash earnings - BOB negative 19.4% but 5% positive with maintenance Capex getting better - GIG 13.4% NI margin rising"  
[X Link](https://x.com/TopiEero/status/1857005067158643103)  2024-11-14T10:18Z [---] followers, [---] engagements


"$BOC Starting from Sep. 17th they also have now $20M credit facility for BOB which is guaranteed by their BOB assets so not by any other assets. Similar to Links debt structure. They didnt have related debt outstanding as of end of Q3. Gives flexibility"  
[X Link](https://x.com/TopiEero/status/1857044925113602254)  2024-11-14T12:56Z [---] followers, [---] engagements


"Very thoughtful writing by Alex the man who knows what hes talking about. Especially $BOC and $SKYH posts are very detailed"  
[X Link](https://x.com/TopiEero/status/1870541442705436847)  2024-12-21T18:46Z [---] followers, [---] engagements


"@realroseceline Same. It seems that Ted & Todd have a little too fast hands with trading. Maybe its pressure being under the $BRK house. Ive got some initial ideas from their portfolio but the velocity confuses"  
[X Link](https://x.com/TopiEero/status/1890651535744344136)  2025-02-15T06:37Z [--] followers, [--] engagements


"Long $EDEN http://EDEN.PA Edenred ( $EDEN ) [----] economic EPS of [----] (adds back after-tax acquisition amort) and guidance for AT LEAST 10% EBITDA growth in [----]. There should be some improvement in interest expense during the year (lower rates slight deleveraging) and EPS growth could exceed EBITDA http://EDEN.PA Edenred ( $EDEN ) [----] economic EPS of [----] (adds back after-tax acquisition amort) and guidance for AT LEAST 10% EBITDA growth in [----]. There should be some improvement in interest expense during the year (lower rates slight deleveraging) and EPS growth could exceed EBITDA"  
[X Link](https://x.com/TopiEero/status/1891854990676820404)  2025-02-18T14:19Z [--] followers, [--] engagements


"$CELH Theres a good point to that. These acquistions are almost never safe bets and many (most) are over priced when looking at rear mirror couple of years later. $CROX HeyDude acquisition was also fast growth brand but laggard two years later to name one. Why is $CELH up 30% when they're effectively acknowledging they need spend billions to buy competitors to stay competitive Just a bystander so happy to hear other views. Why is $CELH up 30% when they're effectively acknowledging they need spend billions to buy competitors to stay competitive Just a bystander so happy to hear other views"  
[X Link](https://x.com/TopiEero/status/1893304518865047974)  2025-02-22T14:19Z [---] followers, [---] engagements


"@realroseceline Similar analysis can be extrapolated on almost any decent company. Just curious what makes you Rose confident $CROX will make it If you will"  
[X Link](https://x.com/TopiEero/status/1894113946207957082)  2025-02-24T19:55Z [---] followers, [---] engagements


"@realroseceline Management is definitely great. They made Crocs fantastic marketing story with high margins remembering its rubber shoes. Im just hesitated by the limits of their brand over the coming years (fad risk I guess). Nothing against the Co I have few pairs of HD shoes also"  
[X Link](https://x.com/TopiEero/status/1894119691074899997)  2025-02-24T20:18Z [--] followers, [--] engagements


"This👇 And the float is growing 30% YoY. I think the value of $BOC Insurance division is closer to $100M at the moment considering its growth. Over the LT growth and losses can fluctuate ofc but the trend is on right direction and strong. $BOC Doubled surplus in UCS with that $SKYH transfer. I remember someone saying GIG wasnt a good insurance company year or two ago but it was being built to what you see now doing 35% Rev growth 32% profit growth and surplus only added in Dec 2024things are looking bright. https://t.co/UXjdNsgMMh $BOC Doubled surplus in UCS with that $SKYH transfer. I"  
[X Link](https://x.com/TopiEero/status/1906692476435415311)  2025-03-31T12:58Z [---] followers, [---] engagements


"Very thoughtful analysis of $QVC / former Qurate. The problem with these cicar butts are that their subsidiaries arent worth a dint after they start to burn CF or make less than outsanding debt into the future as it stricts to pay any to shareholders. Zulily sale same in [---]. $QVC you can buy the LINTA bonds at a creation value of $240M. Not bad unless you think LINTA will downstream the cash to support the refinancing of OpCo. Cornerstone is struggling but it's a $900M revenue business and worth at least SOMETHING RIGHT.right $QVC you can buy the LINTA bonds at a creation value of $240M. Not"  
[X Link](https://x.com/TopiEero/status/1931600301963813295)  2025-06-08T06:32Z [---] followers, [---] engagements


"@GabGrowth Alternative path: $GOTO merges with $SE or with Foodpanda and the serious competition against $GRAB begins. Just saying dont mean its probable"  
[X Link](https://x.com/TopiEero/status/1932747898074087837)  2025-06-11T10:33Z [---] followers, [---] engagements


"Boston Omahas current $440MM valuation gives zero value to their Broadband division BOB so lets take a look in this thread: 👇🎞"  
[X Link](https://x.com/TopiEero/status/1933567013516976259)  2025-06-13T16:47Z [---] followers, [----] engagements


"Few points about Boston Omahas $BOC Insurance Division (GIG) maybe the hardest to evaluate a thread: 👇🎞"  
[X Link](https://x.com/TopiEero/status/1935050909769416845)  2025-06-17T19:04Z [---] followers, [----] engagements


"5/11 Surety market is expected to hit $8.9B by [----] (4.5% CAGR). If GIG continues to execute within small to mid-sized bond focus thatll boost their cash generation and float for reinvestment purposes. $BOC"  
[X Link](https://x.com/TopiEero/status/1935050931491471622)  2025-06-17T19:04Z [---] followers, [---] engagements


"6/11 $BOC transferred 1.5M in [---] and 1.2M in [---] $SKYH shares to UCS ($29M fresh capital). Now UCS holds 2.67M $SKYH shares (rest are within group level). This boosted capital base anticipates UCSs premium growth. 💸 $BOC"  
[X Link](https://x.com/TopiEero/status/1935050935664771081)  2025-06-17T19:04Z [---] followers, [---] engagements


"Knowing investor psychology is your best edge as amateur investor. Using emerging COs as an example: $STNE up 78% YTD (large pos) 🏦 $NU up 16% YTD (smaller pos) 🏦 $INTR up 89% YTD (medium pos) 📦 $MELI up 33% YTD (sadly not long) 📦 $SE up 41% YTD (very large pos) 💈👇 1/10"  
[X Link](https://x.com/anyuser/status/1954164312643076342)  2025-08-09T12:54Z [---] followers, [----] engagements


"Economic and political instability in Brazil - automatic pass for most investors. You will miss many mispriced securities which are precisely mispriced because of the fear of uncertainty. $STNE has been hated for years. 2/10"  
[X Link](https://x.com/TopiEero/status/1954164315595886925)  2025-08-09T12:54Z [---] followers, [---] engagements


"High interest rates in Brazil - How can Co survive in hard high IR environment The recession will hit surely. Well look at the specific Co execution not just macro. $INTR $STNE $NU keep growing profitably and getting new customers despite tough macro. Thats strenght. 3/10"  
[X Link](https://x.com/TopiEero/status/1954164318993330592)  2025-08-09T12:54Z [---] followers, [---] engagements


"Meanwhile $MELI touched $635 on July [----] while executing their biz. I wish I would had studied Co more and started to accumulate shares. Great company but was out of my circle of competence back then sadly. 8/10"  
[X Link](https://x.com/TopiEero/status/1954164335875362881)  2025-08-09T12:54Z [---] followers, [---] engagements

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