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# ![@bobspaysubstack Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1910712335162871808.png) @bobspaysubstack Bob's Payment Stock Substack

Bob's Payment Stock Substack posts on X about $fi, $four, $gpn, $xyz the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1910712335162871808/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1910712335162871808/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXX +155%
- X Months XXXXXXX +10,617%

### Mentions: XX [#](/creator/twitter::1910712335162871808/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1910712335162871808/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX +26%
- X Months XXX +3,407%

### Followers: XXXXX [#](/creator/twitter::1910712335162871808/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1910712335162871808/c:line/m:followers.svg)

- X Week XXXXX +2%
- X Month XXXXX +38%
- X Months XXXXX +1,720%

### CreatorRank: XXXXXXX [#](/creator/twitter::1910712335162871808/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1910712335162871808/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1910712335162871808/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXX% [finance](/list/finance)  XXXX% [technology brands](/list/technology-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX%

**Social topic influence**
[$fi](/topic/$fi) #7, [$four](/topic/$four) #7, [$gpn](/topic/$gpn) #2, [$xyz](/topic/$xyz) #9, [$tost](/topic/$tost) #2, [$jkhy](/topic/$jkhy) #4, [$adyen](/topic/$adyen) #2, [$cpay](/topic/$cpay) #7, [$pypl](/topic/$pypl) #2397, [$axp](/topic/$axp) #72

**Top accounts mentioned or mentioned by**
[@jevgenijs](/creator/undefined) [@defisurfer808](/creator/undefined) [@qualityinvest5](/creator/undefined) [@square](/creator/undefined) [@ft](/creator/undefined) [@nachunja](/creator/undefined) [@torovictorioso](/creator/undefined) [@yehoshzl](/creator/undefined) [@tintincapital](/creator/undefined) [@vladkolomeyets](/creator/undefined) [@konstantcap](/creator/undefined) [@contextinvestor](/creator/undefined) [@simonkhalaf](/creator/undefined) [@buckbid](/creator/undefined) [@bigcedarlodge](/creator/undefined) [@equitybrian](/creator/undefined) [@charlieboats](/creator/undefined) [@yackadaisical](/creator/undefined) [@c23peeezy](/creator/undefined) [@grok](/creator/undefined)

**Top assets mentioned**
[Fiserv, Inc. (FI)](/topic/$fi) [4 (FOUR)](/topic/$four) [Global Payments Inc (GPN)](/topic/$gpn) [Block, Inc. (XYZ)](/topic/$xyz) [Toast, Inc. (TOST)](/topic/$tost) [Jack Henry & Associates, Inc. (JKHY)](/topic/$jkhy) [Corpay, Inc. (CPAY)](/topic/$cpay) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [American Express Company (AXP)](/topic/$axp) [Shopify Inc (SHOP)](/topic/$shop) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [BILL THE BEAR (BILL)](/topic/$bill) [Mastercard, Inc. (MA)](/topic/$ma) [Thermo Fisher Scientific Inc. (TMO)](/topic/$tmo) [Paypex (PAYX)](/topic/$payx) [Zoetis Inc (ZTS)](/topic/$zts) [WEX (WEX)](/topic/$wex) [Apple, Inc. (AAPL)](/topic/$aapl) [JPMorgan Chase (JPM)](/topic/$jpm) [Wells Fargo & Co (WFC)](/topic/$wfc) [US Bancorp (USB)](/topic/$usb) [Basis Cash (BAC)](/topic/$bac) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) [Klarna Group (KLAR)](/topic/$klar) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [S&P Global Inc (SPGI)](/topic/$spgi) [Tradeweb Markets Inc. Class A Common Stock (TW)](/topic/$tw) [MarketAxess Holdings Inc. (MKTX)](/topic/$mktx) [Paylocity Holding, Corp. (PCTY)](/topic/$pcty) [Adappter Token (ADP)](/topic/$adp) [Airbnb Inc (ABNB)](/topic/$abnb) [Msci Inc (MSCI)](/topic/$msci) [Factset Research Systems, Inc. (FDS)](/topic/$fds) [Goldman Sachs (GS)](/topic/goldman-sachs) [GammaSwap (GS)](/topic/$gs) [Accenture (ACN)](/topic/accenture)
### Top Social Posts [#](/creator/twitter::1910712335162871808/posts)
---
Top posts by engagements in the last XX hours

"1. The merchant acquiring industry is becoming more competitive Block $XYZ has got their act together making gains for Clover more difficult. X. Smaller banks (Fiservs $FI customer base in Financial Solutions) are facing pressure from both larger banks and neo-banks limiting account growth. Plus theres now renewed concern about the health of regional banks and credit exposure. X. The consensus is that they are going to lower numbers again so no one wants to buy the stock in front of that"  
[X Link](https://x.com/bobspaysubstack/status/1979003796983304213) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-17T01:57Z 1025 followers, XXX engagements


"Why Im cautious on PayPal $PYPL: Among PSPs they cant compete with $ADYEN for enterprises and cant match the tools $SHOP provides SMBs to sell. On wallets their scale has been neutralized by $AAPL Pay and the consumer experience is virtually identical"  
[X Link](https://x.com/bobspaysubstack/status/1965407015347650827) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-09T13:28Z 1025 followers, 1864 engagements


"Airline billed business picked up for American Express $AXP in Q3 (flat to +5%) lifting overall T&E billed business growth to X% up from X% in Q2. Restaurants remained strong at +9% ticking up slightly. $FI $GPN $XYZ $TOST $FOUR"  
[X Link](https://x.com/bobspaysubstack/status/1979157682616520762) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-17T12:08Z 1025 followers, XXX engagements


"Jack Henry $JKHY guiding to XXX% organic revenue growth (midpoint) in FY26 (similar to FY25) is somewhat disappointing. GAAP EPS guide is meaningless w/just $16MM in deconversion fees assumed for FY vs. $20.5MM in Q4. Interested to see stock trade tomorrow. Guessing down"  
[X Link](https://x.com/bobspaysubstack/status/1957921003285410050) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-19T21:41Z 1025 followers, XXX engagements


"There's been nice acceleration in Q3 U.S. Card PV growth: - $AXP improving by XXX% (+4.9% to +7.0%) - Bank Credit improving by XXX% (+5.4% to +6.6%) - Bank Debit improving by XXX% (+6.0% to +7.1%) $JPM $C $BAC $WFC $USB $FI $GPN $XYZ $TOST $ADYEN $FOUR $V $MA"  
[X Link](https://x.com/bobspaysubstack/status/1979153943344083231) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-17T11:54Z 1025 followers, XXX engagements


"@c23peeezy @nachunja I agree and would not sell $FOUR at these levels (I am long) but the painful lesson Ive learned is that Payment stocks can always get cheaper"  
[X Link](https://x.com/bobspaysubstack/status/1978863306640126372) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-16T16:39Z 1025 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) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-24T16:30Z 1022 followers, 24.5K engagements


"Not saying its right or wrong but the market likes simplicity especially in Payments. $TOST and $SHOP are relatively straightforward and grow the fastest hence the (very) premium valuation. $FOUR is very good in hospitality but complexity from other parts dilutes any premium that the hospitality piece would demand"  
[X Link](https://x.com/bobspaysubstack/status/1978859556462559725) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-16T16:24Z 1025 followers, XXX engagements


"Bottom line: I still believe #Payments is an attractive area to invest. Some very good companies being cast aside. Tape action has been dreadful. Feels awful but Im staying the course. Would love to see some more broad-based insider buying. Im long $V $GPN $FI and $FOUR"  
[X Link](https://x.com/bobspaysubstack/status/1971301830006342028) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-25T19:52Z 1019 followers, 1746 engagements


"I refuse to believe the market is going to permanently place a single digit or low DD PE on a business that grows revenue organically 6-8% and EPS by double-digits. If they do then my investment in $FI and $GPN probably wont be as successful as I hope. I think these are good businesses that deserve much higher multiples based on my belief that growth is more durable than the market expects"  
[X Link](https://x.com/bobspaysubstack/status/1973514769219866926) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-01T22:26Z 1019 followers, XXX engagements


"Finally one of my stocks gets an OpenAI partnership pump Long $TMO"  
[X Link](https://x.com/bobspaysubstack/status/1978800521491120624) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-16T12:29Z 1022 followers, XXX engagements


"Thoughts on #Payments #FinTech #BNPL weakness: - Delayed reaction to a report (released yesterday) highlighting rising delinquencies at Upstart $UPST - Weaker consumer sentiment reading - Perceived weakness in SMB land based on $PAYX earnings (softer PEO growth) $AFRM $KLAR $XYZ $GPN $BILL $TOST $PYPL $CHYM $FOUR $FI"  
[X Link](https://x.com/bobspaysubstack/status/1973050906498289708) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-30T15:42Z 1023 followers, 2124 engagements


"About one-third of the discretionary portfolio I manage and share is invested across $V $GPN $FOUR and $FI. That's up from the start of the year and will likely go higher if valuations for the processors stay deeply discounted. So I'm not opposed to upping exposure especially for a name like $FI"  
[X Link](https://x.com/bobspaysubstack/status/1954633752174534965) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-10T19:59Z 1025 followers, XXX engagements


"Here is my list of the Top XX Businesses in #Payments and #FinTech so far: No. XX - Corpay $CPAY No. X - Shift4 $FOUR No. X - American Express $AXP No. X - Fiserv $FI No. X - Jack Henry $JKHY No. X - Toast $TOST No. X - Adyen $ADYEN 👇"  
[X Link](https://x.com/bobspaysubstack/status/1965133297065111674) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-08T19:21Z 1025 followers, 1029 engagements


"Corpay $CPAY and $BILL both took it on the chin today. Have to believe it's due to stablecoin implications for cross-border B2B payments which are big money makers for these companies along with virtual card"  
[X Link](https://x.com/bobspaysubstack/status/1933617364475457588) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-06-13T20:07Z 1025 followers, XXX engagements


"@FilipKnezevic15 I know of $DLO but have never followed them closely. I plan to research and write about them more fully in the future"  
[X Link](https://x.com/bobspaysubstack/status/1976633809920790609) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-10T12:59Z 1017 followers, XXX engagements


"Comparing $AFRM to $AXP is misguided. $AXPs strongest age group is Gen Z so theres no indication higher spending more affluent younger individuals are choosing BNPL over $AXP to any great degree. More likely BNPL is displacing basic credit cards among younger individuals. The long-term problems with BNPL is credit performance (an unknown) and the merchant funded model. If you think merchants are upset about paying a XXX% credit card interchange rate Id have to believe they will be really displeased with paying 4-5% for an increasing mix of BNPL"  
[X Link](https://x.com/bobspaysubstack/status/1977852282176700848) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-13T21:41Z 1017 followers, XXX engagements


"Adyen's $ADYEN headcount has grown substantially more than high-growth peers. As a result even though Adyen's net revenue will be up XXX% vs. 2018 2025 EBITDA margin will be flat with 2018. $TOST $SHOP $XYZ"  
[X Link](https://x.com/bobspaysubstack/status/1965126131486715923) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-08T18:52Z 1019 followers, 1103 engagements


"Ran into a couple more $XYZ @Square sellers today. One at a pumpkin patch and the other at a local cafe. Really their bread and butter when you think about it"  
[X Link](https://x.com/bobspaysubstack/status/1977093811865268563) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-11T19:27Z 1025 followers, 1741 engagements


"$FOUR is cheap but not that cheap. Some of the financial data platforms seem to be way off the mark. Here is how I calculate the valuation for $FOUR which yields NTM P/FCF of 16.7x and NTM EV/EBITDA of 11.9x: Market Cap: Per $FOUR following the mandatory convertible preferred issuance to fund the Global Blue (GB) acquisition non-GAAP shares are 99.3MM. With a share price of $XXXXX $FOURs market cap is $7894MM. Enterprise Value: As of 6/30/25 $FOUR had $3732MM of debt and $3029MM of cash on its B/S. However $FOUR still needs to absorb approximately $2500MM for the GB acquisition. This brings"  
[X Link](https://x.com/bobspaysubstack/status/1976256709950677233) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-09T12:01Z 1025 followers, 20.3K engagements


"Square $XYZ Global Payments $GPN and Fiserv's $FI Clover all expect volume growth to accelerate in H2. At the moment feel most confident in Square making that a reality"  
[X Link](https://x.com/bobspaysubstack/status/1965733055299309967) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-10T11:04Z 1019 followers, 1411 engagements


"I'm not saying select merchants are displeased now because they have to pay a higher fee (on a small subset of their volume) than credit interchange. This is still a (relatively) niche product compared to credit cards and merchants are differentiating themselves by partnering with $AFRM and other BNPL providers to drive incremental sales. I'm simply suggesting that the economic model will not survive as BNPL becomes more mainstream and commoditized. You cannot extrapolate significantly more BNPL volume with similar economics for $AFRM or others because merchants won't pay 4-5% for a service"  
[X Link](https://x.com/bobspaysubstack/status/1978127693427163419) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-14T15:56Z 1025 followers, XX engagements


"Places where Im looking to put new money to work: Financial Data and Exchanges: $MSCI $FDS $SPGI $TW $MKTX Payments: $FI $ADYEN Payroll: $PCTY $PAYX $ADP Animal Health: $ZTS Travel: $ABNB"  
[X Link](https://x.com/bobspaysubstack/status/1974498235050791062) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-04T15:33Z 1025 followers, XXX engagements


"Im not as close to $WEX as I have been in the past. Much more up to speed on Corpay $CPAY which is a name I like. My previous feelings on $WEX were that customer concentration hedging and fuel price exposure were issues that contributed to a low multiple. I dont know if theyve done anything to address but stock looks dirt cheap which is a familiar refrain across Payments. Fiserv $FI continues to be my favorite"  
[X Link](https://x.com/bobspaysubstack/status/1971408445518541189) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-26T02:56Z 1019 followers, XXX engagements


"I'll reiterate my prior opinion that a heightened competitive environment for merchant acquiring (whether real or perceived) catalyzed by $XYZ Square is good for no one including $XYZ. $TOST is an expensive stock. I'd like to see it down to the mid-$30s before I'm interested"  
[X Link](https://x.com/bobspaysubstack/status/1970180807911239780) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-22T17:38Z 1019 followers, 1211 engagements


"@QualityInvest5 I agree that Clover and the bank technology business are far better for Fiserv $FI than anything PayPal $PYPL can bring to the table"  
[X Link](https://x.com/bobspaysubstack/status/1977464495233810869) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-12T20:00Z 1025 followers, XXX engagements


"Despite its many positive attributes Jack Henry's $JKHY inability to sustain margin expansion and lagging free cash flow conversion has pressured its multiple. Still it ranks No. X on my Top XX Businesses in Payments and FinTech"  
[X Link](https://x.com/bobspaysubstack/status/1947673791783661963) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-07-22T15:03Z 1019 followers, 1341 engagements


"@macncheesecat We'll see how it trades from here but I think the FCF guide of 85-100% conversion over the next couple years was a positive surprise for Jack Henry $JKHY"  
[X Link](https://x.com/bobspaysubstack/status/1958199918071316928) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-20T16:10Z 1025 followers, XX engagements


"$GPN is an equally worse offender in terms of consistently adding back non-recurring items. But by any objective measure they are cheap and cheaper than $FOUR. I own both stocks. These are good businesses and deserve to be higher but complexity and poor earnings quality definitely works against them. They have to clean it up"  
[X Link](https://x.com/bobspaysubstack/status/1976277149842624833) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-09T13:22Z 1019 followers, XXX engagements


"@DonMiami3 I got surveyed a few nights ago (via text) regarding my views on data centers. In the St. Louis area where theres been some pushback to them in the suburbs/exurbs"  
[X Link](https://x.com/bobspaysubstack/status/1978917360158323112) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-16T20:13Z 1025 followers, XXX engagements


"#Payments has increasingly turned into a 'shoot first ask questions later' space. I'm tired of getting shot 🤣 $FI $GPN $FOUR $XYZ $TOST $PYPL"  
[X Link](https://x.com/bobspaysubstack/status/1970202836937134177) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-22T19:05Z 1019 followers, XXX engagements


"You know the drill: Buying more Fiserv $FI. Loved it at $XXX. Love it even more at $XXX. Patience"  
[X Link](https://x.com/bobspaysubstack/status/1973427092793729111) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-01T16:37Z 1025 followers, 2444 engagements


"Heres my #Payments plays: Deep Value: Global Payments $GPN GARP: Fiserv $FI Growth: Adyen $ADYEN SMID: Corpay $CPAY Spec/Takeout: BILL Holdings $BILL"  
[X Link](https://x.com/bobspaysubstack/status/1974176019616768237) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-03T18:13Z 1025 followers, 1459 engagements


"@marc_slans $XXX for $MA and $XXX for $V. Dont know if theyll get there but those are my levels. Im long $V"  
[X Link](https://x.com/bobspaysubstack/status/1978851385455055229) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-16T15:51Z 1025 followers, XXX engagements


"@SemiTgtPrince $FI is my favorite name in payments right now which Im actively buying. I also hold $V $GPN and $FOUR"  
[X Link](https://x.com/bobspaysubstack/status/1976366220635935003) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-09T19:16Z 1019 followers, XXX engagements


"Healthcare action continues to be just awful. What breaks the cycle Im not sure but I do believe these are good businesses with attractive long-term prospects and reasonable valuation. Continue to accumulate $ZTS and $TMO"  
[X Link](https://x.com/bobspaysubstack/status/1971229628900720676) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-25T15:05Z 1017 followers, XXX engagements


"$GPN the greenest name on my screen for the past two days"  
[X Link](https://x.com/bobspaysubstack/status/1956061858940469736) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-14T18:34Z 1019 followers, XXX engagements


"Agree that HSA is a good business for $WEX. I believe you're mistaken on Fleet though. $WEX works with large partners (Exxon Chevron and other oil majors and the largest leasing companies) and has large customers (state governments GSA and major corporations) whereas $CPAY is selling more directly to small fleets where pricing is more favorable. The crown jewel for $CPAY is is B2B Payments which is more than XX% of their business and growing above mid-teens organically. At the end of the day I think both these stocks deserve to go higher but I still prefer $CPAY"  
[X Link](https://x.com/bobspaysubstack/status/1972145145236660546) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-09-28T03:43Z 1025 followers, XXX engagements


"Shopify $SHOP is No. X on my list of the Top XX Businesses in Payments and FinTech. I love the company but the stocknot so much"  
[X Link](https://x.com/bobspaysubstack/status/1978514473099903264) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-15T17:33Z 1025 followers, XXX engagements


"Gotta love $GS going to Sell on PayPal $PYPL with a price target above last Fridays close. A reminder that in most cases the sell side mandates a certain % of analyst ratings be Sell or U/W. Analysts are optimistic by nature hence the rule. In regard to the points expressed they seem fair but have likely been priced in. To me material downside for $PYPL from these levels is unlikely but I dont have a ton of conviction that the business will accelerate to the targets laid out by management capping potential upside"  
[X Link](https://x.com/bobspaysubstack/status/1977725830097756238) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-13T13:19Z 1016 followers, 1104 engagements


"Jack Henry $JKHY looking more reasonable here. But why buy it in the low 20x when you can have Fiserv $FI at 12.5x My position in Fiserv $FI is up to XXX shares"  
[X Link](https://x.com/bobspaysubstack/status/1958197637267529890) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-20T16:01Z 1025 followers, XXX engagements


"Nos. 10-6 in My Top XX Businesses in Payments and FinTech: XX - Corpay $CPAY X - Shift4 Payments $FOUR X - American Express $AXP X - Fiserv $FI X - Jack Henry $JKHY"  
[X Link](https://x.com/bobspaysubstack/status/1947675173378744517) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-07-22T15:08Z 1025 followers, XXX engagements


"Jack Henry $JKHY reported a monster deconversion number after the close signifying small bank M&A is back. $20.5M in fiscal Q4 was greater than all of fiscal 2024. Assuming this run-rate holds (a big if) it could mean nearly $X of EPS for $JKHY in FY26 implying 22.5x"  
[X Link](https://x.com/bobspaysubstack/status/1955225295633474010) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-12T11:10Z 1025 followers, XXX engagements


"Here's the article I published on Accenture $ACN earlier this week. Despite a historically low valuation I'm still not comfortable buying this stock due to the risks from AI"  
[X Link](https://x.com/bobspaysubstack/status/1974168854625648842) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-03T17:45Z 1019 followers, 1308 engagements