[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @bobspaysubstack Bob's Payment Stock Substack Bob's Payment Stock Substack posts on X about $four, $adyen, $tost, $shop the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1910712335162871808/interactions)  - X Week XXXXX +42% - X Month XXXXXX -XX% - X Months XXXXXXX +195% ### Mentions: XX [#](/creator/twitter::1910712335162871808/posts_active)  - X Week XX -XX% - X Month XXX +40% - X Months XXX +113% ### Followers: XXXXX [#](/creator/twitter::1910712335162871808/followers)  - X Week XXXXX +1.50% - X Month XXXXX +7.60% - X Months XXXXX +209% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1910712335162871808/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) XXXXX% [finance](/list/finance) XXXXX% [cryptocurrencies](/list/cryptocurrencies) XXXXX% [technology brands](/list/technology-brands) XXXXX% **Social topic influence** [$four](/topic/$four) #10, [$adyen](/topic/$adyen) #1, [$tost](/topic/$tost) #2, [$shop](/topic/$shop) #160, [$fisv](/topic/$fisv) #1, [$gpn](/topic/$gpn) #2, [$jkhy](/topic/$jkhy) #1, [fintech](/topic/fintech) #119, [$pypl](/topic/$pypl) #1014, [$xyz](/topic/$xyz) #5 **Top accounts mentioned or mentioned by** [@invest091](/creator/undefined) [@joinyellowbrick](/creator/undefined) [@square](/creator/undefined) [@notredame](/creator/undefined) [@theacc](/creator/undefined) [@jminvestment0](/creator/undefined) [@saynototrading](/creator/undefined) [@poundtheproduct](/creator/undefined) [@stonks7733221](/creator/undefined) [@helixcapital_](/creator/undefined) [@jm_investment0](/creator/undefined) [@tallseller](/creator/undefined) [@jszhang0912](/creator/undefined) [@notfomo](/creator/undefined) [@josecorai](/creator/undefined) [@giganticbananas](/creator/undefined) **Top assets mentioned** [4 (FOUR)](/topic/$four) [Toast, Inc. (TOST)](/topic/$tost) [Shopify Inc (SHOP)](/topic/$shop) [Fiserv Inc (FISV)](/topic/$fisv) [Global Payments Inc (GPN)](/topic/$gpn) [Jack Henry & Associates, Inc. (JKHY)](/topic/$jkhy) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Block, Inc. (XYZ)](/topic/$xyz) [Fiserv, Inc. (FI)](/topic/$fi) [StaFi (FIS)](/topic/$fis) [American Express Company (AXP)](/topic/$axp) [Mastercard, Inc. (MA)](/topic/$ma) [Corpay, Inc. (CPAY)](/topic/$cpay) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) [US Bancorp (USB)](/topic/$usb) [Lightspeed Commerce Inc. (LSPD)](/topic/$lspd) [Bitcoin (BTC)](/topic/$btc) ### Top Social Posts Top posts by engagements in the last XX hours "My Top Ten Businesses in #Payments and #FinTech $CPAY $FOUR $AXP $FISV $JKHY $TOST $ADYEN $SHOP $V $MA" [X Link](https://x.com/bobspaysubstack/status/1998068246193311909) 2025-12-08T16:32Z 1580 followers, 2026 engagements "Shift4 $FOUR PayPal $PYPL Fiserv $FISV Global Payments $GPN and Block $XYZ have laid out targets that would make their stock prices appear extremely attractive today. The problem is no one believes them. If they can do it the stocks are likely to do very well from this point" [X Link](https://x.com/bobspaysubstack/status/1993046107082150254) 2025-11-24T19:56Z 1580 followers, 24K engagements "Can @NotreDame be any more insufferable Was the @theACC supposed to advocate for Notre Dame over one of their own Miami Play a real schedule and win the games on the field and stop crying ðŸ˜" [X Link](https://x.com/bobspaysubstack/status/1998074497749123557) 2025-12-08T16:57Z 1579 followers, XXX engagements "Some thoughts on Shift4 $FOUR (I am long but increasingly cautious on the name): X. $FOUR is one of the worst offenders in terms of earnings add-backs. Over the LTM XXXX% of $FOUR's adjusted EBITDA was from SBC acquisition restructuring integration FX and other non-recurring costs. Yes the stock is inexpensive but it also isn't as cheap as headline multiples suggest. X. Organic growth isn't easily determined which is a problem. $FOUR relies on acquisitions to fill it's cross-sell funnel which drives a spurt of 'organic' growth in the near-term after an acquisition is completed and revenue" [X Link](https://x.com/bobspaysubstack/status/1970888662687842594) 2025-09-24T16:30Z 1573 followers, 24.9K engagements "Whats up with Chime $CHYM I thought those numbers were pretty good" [X Link](https://x.com/bobspaysubstack/status/1986448566911435213) 2025-11-06T15:00Z 1572 followers, 1394 engagements "#Payments Net Take Rate Comparison YoY XX Companies X Down - $USB $GPN $PYPL $SHOP $XYZ's @Square X Up - $ADYEN $LSPD $TOST $FOUR $FI's Clover" [X Link](https://x.com/bobspaysubstack/status/1990482038156120213) 2025-11-17T18:07Z 1574 followers, 1366 engagements "Im open to Toast $TOST @ $XX and Adyen $ADYEN @ $1316 but Shopify $SHOP still needs to come in quite a bit in my opinion" [X Link](https://x.com/bobspaysubstack/status/1990902572740190623) 2025-11-18T21:58Z 1574 followers, 1358 engagements "If we look across #Payments and #FinTech companies only American Express $AXP trades at a premium to its long-term multiple - every other company trades at a discount notably $GPN (71% discount) $FISV (66%) $FOUR (61%) and $PYPL (60%)" [X Link](https://x.com/bobspaysubstack/status/1993042926566621521) 2025-11-24T19:43Z 1576 followers, 6848 engagements "If EPS grows 8-10% for the next X years then I refuse to believe the stock still trades at just 8-9x. The math for a $GPN bull (I don't know if I'd call myself that or not but I do own the stock) is that if EPS grows XX% for X years the multiple is 15x not 6x and the stock is $XXX not $70" [X Link](https://x.com/bobspaysubstack/status/1996666986169069763) 2025-12-04T19:44Z 1574 followers, XXX engagements "@invest091 SaaS fees are pretty small for $XYZ most of the subscription/services gross profit is interchange from Cash App Card instant deposit fees and fees from their lending products Square Capital Afterpay and Cash App Borrow" [X Link](https://x.com/bobspaysubstack/status/1997674719802204434) 2025-12-07T14:29Z 1580 followers, XXX engagements "Jack Henry $JKHY Quick Hit: $JKHY is one of the more interesting names to me. Unlike its primary competitors in bank technology - $FIS and $FI - $JKHY has largely avoided large-scale M&A instead preferring smaller tuck-in deals and internal innovation through healthy spending on research and development. The end result has been stronger organic revenue growth a healthy financial position and operational simplicity with $JKHY's three core banking platforms comparing favorably to $FI's XX. Its too early to tell if $FI's recalibrated growth expectations for the Financial Solutions segment" [X Link](https://x.com/bobspaysubstack/status/1985363423245332913) 2025-11-03T15:08Z 1578 followers, 5764 engagements "Jack Henry $JKHY and $FIS--Fiserv's $FI two largest competitors in its Financial Solutions segment--posted organic revenue growth of X% and X% respectively in the September quarter making $FI's X% decline and cautious commentary all the more concerning" [X Link](https://x.com/bobspaysubstack/status/1986043807595372554) 2025-11-05T12:11Z 1578 followers, XXX engagements "Mastercard $MA and Visa $V are ranked numbers one and two respectively on my list of the Top Ten Businesses in #Payments and #FinTech Much of the debate in payments today centers on ecosystem players: Will Fiservs $FISV decision to rescind fees for Clover step-up price competition across the industry Are modern platforms (Adyen $ADYEN and Stripe) and best-in-class SaaS companies (Shopify $SHOP and Toast $TOST) eventually going to take most of the volume away from legacy players Can Apple Pay and Shop Pay further erode PayPals $PYPL digital wallet dominance How many deposits will the neobanks" [X Link](https://x.com/bobspaysubstack/status/1998066434027491676) 2025-12-08T16:25Z 1580 followers, 1930 engagements "I think $ADYEN has more built-in growth potential by expanding with existing enterprise and platform customers. I believe $TOST can be successful outside of its core U.S. full service restaurant market but the main reason theyve been as successful to date is because they were hyper focused on one thing" [X Link](https://x.com/bobspaysubstack/status/1998078888644083769) 2025-12-08T17:15Z 1579 followers, XXX engagements "For me the hierarchy at Block $XYZ is: Group 1: @Square GPV Cash App Card PV and Cash App Pay Group 2: Lending - Afterpay Borrow and @Square Capital Group 3: Neighborhoods $BTC Payments and Proto I decided to invest because the first group is clearly accelerating and the lending business is maintaining attractive loss rates as it scales. I can understand peoples and Blocks excitement with the third group but I would caution $XYZ from spending too much time discussing it because first it distracts from tangible progress at groups X and X and second it elevates these opportunities to the point" [X Link](https://x.com/bobspaysubstack/status/1998448338744545623) 2025-12-09T17:43Z 1580 followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@bobspaysubstack Bob's Payment Stock Substack
Bob's Payment Stock Substack posts on X about $four, $adyen, $tost, $shop the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXX +42%
- X Month XXXXXX -XX%
- X Months XXXXXXX +195%
Mentions: XX #
- X Week XX -XX%
- X Month XXX +40%
- X Months XXX +113%
Followers: XXXXX #
- X Week XXXXX +1.50%
- X Month XXXXX +7.60%
- X Months XXXXX +209%
CreatorRank: XXXXXXXXX #
Social Influence
Social category influence stocks XXXXX% finance XXXXX% cryptocurrencies XXXXX% technology brands XXXXX%
Social topic influence $four #10, $adyen #1, $tost #2, $shop #160, $fisv #1, $gpn #2, $jkhy #1, fintech #119, $pypl #1014, $xyz #5
Top accounts mentioned or mentioned by @invest091 @joinyellowbrick @square @notredame @theacc @jminvestment0 @saynototrading @poundtheproduct @stonks7733221 @helixcapital_ @jm_investment0 @tallseller @jszhang0912 @notfomo @josecorai @giganticbananas
Top assets mentioned 4 (FOUR) Toast, Inc. (TOST) Shopify Inc (SHOP) Fiserv Inc (FISV) Global Payments Inc (GPN) Jack Henry & Associates, Inc. (JKHY) PayPal Holdings Inc (PYPL) Block, Inc. (XYZ) Fiserv, Inc. (FI) StaFi (FIS) American Express Company (AXP) Mastercard, Inc. (MA) Corpay, Inc. (CPAY) Chime Financial, Inc. Class A Common Stock (CHYM) US Bancorp (USB) Lightspeed Commerce Inc. (LSPD) Bitcoin (BTC)
Top Social Posts
Top posts by engagements in the last XX hours
"My Top Ten Businesses in #Payments and #FinTech $CPAY $FOUR $AXP $FISV $JKHY $TOST $ADYEN $SHOP $V $MA"
X Link 2025-12-08T16:32Z 1580 followers, 2026 engagements
"Shift4 $FOUR PayPal $PYPL Fiserv $FISV Global Payments $GPN and Block $XYZ have laid out targets that would make their stock prices appear extremely attractive today. The problem is no one believes them. If they can do it the stocks are likely to do very well from this point"
X Link 2025-11-24T19:56Z 1580 followers, 24K engagements
"Can @NotreDame be any more insufferable Was the @theACC supposed to advocate for Notre Dame over one of their own Miami Play a real schedule and win the games on the field and stop crying ðŸ˜"
X Link 2025-12-08T16:57Z 1579 followers, XXX engagements
"Some thoughts on Shift4 $FOUR (I am long but increasingly cautious on the name): X. $FOUR is one of the worst offenders in terms of earnings add-backs. Over the LTM XXXX% of $FOUR's adjusted EBITDA was from SBC acquisition restructuring integration FX and other non-recurring costs. Yes the stock is inexpensive but it also isn't as cheap as headline multiples suggest. X. Organic growth isn't easily determined which is a problem. $FOUR relies on acquisitions to fill it's cross-sell funnel which drives a spurt of 'organic' growth in the near-term after an acquisition is completed and revenue"
X Link 2025-09-24T16:30Z 1573 followers, 24.9K engagements
"Whats up with Chime $CHYM I thought those numbers were pretty good"
X Link 2025-11-06T15:00Z 1572 followers, 1394 engagements
"#Payments Net Take Rate Comparison YoY XX Companies X Down - $USB $GPN $PYPL $SHOP $XYZ's @Square X Up - $ADYEN $LSPD $TOST $FOUR $FI's Clover"
X Link 2025-11-17T18:07Z 1574 followers, 1366 engagements
"Im open to Toast $TOST @ $XX and Adyen $ADYEN @ $1316 but Shopify $SHOP still needs to come in quite a bit in my opinion"
X Link 2025-11-18T21:58Z 1574 followers, 1358 engagements
"If we look across #Payments and #FinTech companies only American Express $AXP trades at a premium to its long-term multiple - every other company trades at a discount notably $GPN (71% discount) $FISV (66%) $FOUR (61%) and $PYPL (60%)"
X Link 2025-11-24T19:43Z 1576 followers, 6848 engagements
"If EPS grows 8-10% for the next X years then I refuse to believe the stock still trades at just 8-9x. The math for a $GPN bull (I don't know if I'd call myself that or not but I do own the stock) is that if EPS grows XX% for X years the multiple is 15x not 6x and the stock is $XXX not $70"
X Link 2025-12-04T19:44Z 1574 followers, XXX engagements
"@invest091 SaaS fees are pretty small for $XYZ most of the subscription/services gross profit is interchange from Cash App Card instant deposit fees and fees from their lending products Square Capital Afterpay and Cash App Borrow"
X Link 2025-12-07T14:29Z 1580 followers, XXX engagements
"Jack Henry $JKHY Quick Hit: $JKHY is one of the more interesting names to me. Unlike its primary competitors in bank technology - $FIS and $FI - $JKHY has largely avoided large-scale M&A instead preferring smaller tuck-in deals and internal innovation through healthy spending on research and development. The end result has been stronger organic revenue growth a healthy financial position and operational simplicity with $JKHY's three core banking platforms comparing favorably to $FI's XX. Its too early to tell if $FI's recalibrated growth expectations for the Financial Solutions segment"
X Link 2025-11-03T15:08Z 1578 followers, 5764 engagements
"Jack Henry $JKHY and $FIS--Fiserv's $FI two largest competitors in its Financial Solutions segment--posted organic revenue growth of X% and X% respectively in the September quarter making $FI's X% decline and cautious commentary all the more concerning"
X Link 2025-11-05T12:11Z 1578 followers, XXX engagements
"Mastercard $MA and Visa $V are ranked numbers one and two respectively on my list of the Top Ten Businesses in #Payments and #FinTech Much of the debate in payments today centers on ecosystem players: Will Fiservs $FISV decision to rescind fees for Clover step-up price competition across the industry Are modern platforms (Adyen $ADYEN and Stripe) and best-in-class SaaS companies (Shopify $SHOP and Toast $TOST) eventually going to take most of the volume away from legacy players Can Apple Pay and Shop Pay further erode PayPals $PYPL digital wallet dominance How many deposits will the neobanks"
X Link 2025-12-08T16:25Z 1580 followers, 1930 engagements
"I think $ADYEN has more built-in growth potential by expanding with existing enterprise and platform customers. I believe $TOST can be successful outside of its core U.S. full service restaurant market but the main reason theyve been as successful to date is because they were hyper focused on one thing"
X Link 2025-12-08T17:15Z 1579 followers, XXX engagements
"For me the hierarchy at Block $XYZ is: Group 1: @Square GPV Cash App Card PV and Cash App Pay Group 2: Lending - Afterpay Borrow and @Square Capital Group 3: Neighborhoods $BTC Payments and Proto I decided to invest because the first group is clearly accelerating and the lending business is maintaining attractive loss rates as it scales. I can understand peoples and Blocks excitement with the third group but I would caution $XYZ from spending too much time discussing it because first it distracts from tangible progress at groups X and X and second it elevates these opportunities to the point"
X Link 2025-12-09T17:43Z 1580 followers, XXX engagements