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[@Spike_1567](/creator/twitter/Spike_1567)
"@DividendDynasty Netflix is a solid business and XXX% a cash flow machine but I am a YouTube guy.Minecraft content over everything 😂"  
[X Link](https://x.com/Spike_1567/status/1981029761712279855) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T16:07Z XXX followers, XX engagements


"@DividendNGrowth Insider buys dont mean a lot when a company does a lot of sbc. Just look at google palantir and Uber and many more. X insider buys and yet stock hits Aths"  
[X Link](https://x.com/Spike_1567/status/1981050808104812828) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T17:31Z XXX followers, XXX engagements


"@George_Dubs_ @VulcanMK5 some of the momentum stocks are well run business are profitable. but the others arent even profitable like the data center stocks that have such enormous depreciation expense that most people are ignoring how they will generate a profit. Just look at their operating margins"  
[X Link](https://x.com/Spike_1567/status/1980439215159800244) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T01:01Z XXX followers, XX engagements


"@weary_centurion Ngl I think the setup for root is amazing. They have proven they can be profitable compared to lemonade snd they new channels are growing their book like crazy"  
[X Link](https://x.com/Spike_1567/status/1980985788134457424) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T13:13Z XXX followers, XX engagements


"@S1ngularity0 @Kross_Roads Its not gonna be anytime soon. He even bought open market shares X months ago. Plus this global blue acquisition is a huge acquisition for them so I dont think they wanna screw that up"  
[X Link](https://x.com/Spike_1567/status/1980986829152371170) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T13:17Z XXX followers, XX engagements


"@CreativeCap89 Its insane how almost all of them are just focused on branded checkout but i guess makes sense"  
[X Link](https://x.com/Spike_1567/status/1981027908362670267) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T16:00Z XXX followers, XX engagements


"@ValuationEdge_ I think risk reward on root is amazing"  
[X Link](https://x.com/Spike_1567/status/1981027967892328825) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T16:00Z XXX followers, XX engagements


"@weary_centurion @QualityInvest5 @ChrisRe70645677 Me personally I think shift4 is a much superior risk reward than fiserv. Trading at the same EV/FCF as FI and is growing FCF per share much faster than them with imo a much better balance sheet not even factoring their Global Blue acquisition"  
[X Link](https://x.com/Spike_1567/status/1981050406882202077) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T17:29Z XXX followers, XX engagements


"@JuanRodrig07 all analysts want to see is brandec checkout growth from my understanding which will definetly happen. their BNPL business could see massive growth in Q4"  
[X Link](https://x.com/Spike_1567/status/1981061864709615812) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T18:15Z XXX followers, XXX engagements


"@Ashton_1nvests I highly recommend looking at Sprouts Farmers Market $SFM. very underrated business that is growing really fast trading at close to a X% FCF yield and the management are very smart with capital allocation"  
[X Link](https://x.com/Spike_1567/status/1971239946171318587) [@Spike_1567](/creator/x/Spike_1567) 2025-09-25T15:46Z XXX followers, XXX engagements


"@ValuationEdge_ they heavily leveraged their balanced sheet just to buyback stock which i am not against but at their valuation is concerning"  
[X Link](https://x.com/Spike_1567/status/1978844719808397525) [@Spike_1567](/creator/x/Spike_1567) 2025-10-16T15:25Z XXX followers, XX engagements


"@weary_centurion I think most of the returns from PayPal would come from price appreciation rather tham market cap growing due to their size similar to Autozone"  
[X Link](https://x.com/Spike_1567/status/1979254607445409972) [@Spike_1567](/creator/x/Spike_1567) 2025-10-17T18:34Z XXX followers, XX engagements


"@weary_centurion I say this because going close to all in can reveal a lot of hidden emotions that most people tend not to show + its hard when going all in to hold it for a long peroid of time"  
[X Link](https://x.com/Spike_1567/status/1979351950216040500) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T01:00Z XXX followers, XX engagements


"@JM_Investment0 What margins do u think are realistic for ROOT"  
[X Link](https://x.com/Spike_1567/status/1979593797290856737) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T17:01Z XXX followers, XX engagements


"@wealthmatica thanks. I will defiently look into it. Definetly want more mid and small cap exposure. I do remember the founders saying that they dont mind getting acquired"  
[X Link](https://x.com/Spike_1567/status/1979607102575571217) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T17:54Z XXX followers, XXX engagements


"@contrarcap initially the one thing holding me back was i didnt know their selling point compared to progressive. I didnt realize until I did research were legacy insuers tend to have outdated tech stacks & also ROOT underwriting is very impressive looking Gross loss ratios"  
[X Link](https://x.com/Spike_1567/status/1979646081152725056) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T20:29Z XXX followers, XX engagements


"@contrarcap also their reliance on partnerships was another one but they seem to be diverisifying away fro Carvana and Hyundai heavily into D2C and Indepedent agents"  
[X Link](https://x.com/Spike_1567/status/1979646482363084867) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T20:31Z XXX followers, XX engagements


"@contrarcap I think agentic commerce is a legitimate application of AI imo"  
[X Link](https://x.com/Spike_1567/status/1980021790337360238) [@Spike_1567](/creator/x/Spike_1567) 2025-10-19T21:22Z XXX followers, XX engagements


"@contrarcap its gonna be a multi winner market for companies like Paypal adyen stripe since they need an orchestrational model to operate due to scale"  
[X Link](https://x.com/Spike_1567/status/1980025474500935863) [@Spike_1567](/creator/x/Spike_1567) 2025-10-19T21:37Z XXX followers, XX engagements


"@Kross_Roads @Kathleen_Tyson_ I think a big mistake investors make is thinking ethical investing exists which is doesnt in a capitalistic society. Companies will do whatever it takes to grow profits whether people like it or not"  
[X Link](https://x.com/Spike_1567/status/1980030077632237755) [@Spike_1567](/creator/x/Spike_1567) 2025-10-19T21:55Z XXX followers, XXX engagements


"@TrollinNYC @Grover65970949 @weary_centurion if u pull up their reports excluding PSP its up X% YOY. And mangement said this back in Q4 and Investor Day in Febuary that they TPV growth rates will slow down on purpose and will accelerate 2nd half of the year. and if u see TM$ is growing consistently in profitable manner"  
[X Link](https://x.com/Spike_1567/status/1980033714055712840) [@Spike_1567](/creator/x/Spike_1567) 2025-10-19T22:09Z XXX followers, XX engagements


"@SoleSurvivore @weary_centurion I agree with that in theory but I hope they dont actually do. The amount of interest expenses they would have to pay would be nuts. Just look at Fi Balance sheet"  
[X Link](https://x.com/Spike_1567/status/1980267781124727279) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T13:40Z XXX followers, XX engagements


"@SoleSurvivore @weary_centurion yeah true. I wouldnt mind if they did it for 2-3B cause the stock is bloody cheap but hopefully they dont do the Fiserv way in that they are too leveraged"  
[X Link](https://x.com/Spike_1567/status/1980287077838193053) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T14:56Z XXX followers, XX engagements


"@ValuationEdge_ @DeepIceValue elevance reports tomorrow. Definetly one to watch for"  
[X Link](https://x.com/Spike_1567/status/1980289570014167220) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T15:06Z XXX followers, XX engagements


"@CreativeCap89 so speculative bet"  
[X Link](https://x.com/Spike_1567/status/1980303030789747130) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T16:00Z XXX followers, XX engagements


"@sonic_the_tesla @Ashton_1nvests I own both and I think both are equally good risk reward. PayPal top line is expected to accelerate by Q4 now their Braintree headwinds are now gone and is now margin creative"  
[X Link](https://x.com/Spike_1567/status/1980304545386578371) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T16:06Z XXX followers, XX engagements


"@Kross_Roads @ddolev I remember he was with Tannor in the interview and called PayPal the next Nvidia a while back"  
[X Link](https://x.com/Spike_1567/status/1980344887976644877) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T18:46Z XXX followers, XXX engagements


"@TheBrilliantBu1 i found this off their investor presentation a couple years back and I think yk you can see their income statement on how much they make in revenue rn"  
[X Link](https://x.com/Spike_1567/status/1980355590829535337) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T19:29Z XXX followers, XX engagements


"@JM_Investment0 also I think most people intentionally Practice Diworsification just to lower risk but should do Diversification into many good stories. Peter Lynch was the first to talk about this"  
[X Link](https://x.com/Spike_1567/status/1980363846968832132) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T20:01Z XXX followers, XX engagements


"@George_Dubs_ @weary_centurion apple used to be a phenomenal cannnibal play especially when buffet bought it a decade ago and now the company is just suffering from innovators dilemna where they are getting attacked at all fronts and buybacks are less effective at their valuation"  
[X Link](https://x.com/Spike_1567/status/1980432377735442888) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T00:34Z XXX followers, XX engagements


"@George_Dubs_ @VulcanMK5 yep i agree. there is a ton of opportunities in the payments space people are ignoring. My other favorite is Shift4 which is dirt cheap. trading at 17x fcf for fast growth and dominant in what they do"  
[X Link](https://x.com/Spike_1567/status/1980441899535409330) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T01:11Z XXX followers, XX engagements


"@George_Dubs_ @VulcanMK5 I highly recommend risk it if u like good risk adjusted rewards which imo Shift4 is and they are proftiable and a FCF machine + they are like CSU but for payments. and its a midcap so alpha is huge. Another one I like which is small cap is ROOT which is also profitable"  
[X Link](https://x.com/Spike_1567/status/1980445034379161739) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T01:24Z XXX followers, XX engagements


"@CarsonTalkMoney I dont understand the hype with CRM. I think its a semi vaue trap. I dont own Adobe but I think its a better play"  
[X Link](https://x.com/Spike_1567/status/1980459452026482962) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T02:21Z XXX followers, XX engagements


"@weary_centurion If analysts care only about branded checkout. I doubt the stock will move since its gonna take a while for new branded Products to scale"  
[X Link](https://x.com/Spike_1567/status/1980622257920626728) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:08Z XXX followers, XX engagements


"@valueplays412 @weary_centurion For me I have a solid position. About XX% of my portfolio so not adding anymore but I also think management knows how much frustration shareholders are having and I think they definitely wanna deliver results 2026 and onwards which I think will happen"  
[X Link](https://x.com/Spike_1567/status/1980623943246430497) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:15Z XXX followers, XX engagements


"@CreativeCap89 Also its matter of fact that most people dont understand how cannibalization works and most people think revenue growth is holy grail of investing which it isint"  
[X Link](https://x.com/Spike_1567/status/1980624855750844804) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:18Z XXX followers, XX engagements


"@CarsonTalkMoney they will be fine but this proves that they were just pumping the stock with the release of last weeks long term guidance. Also I would watch Benioff interviews with Jim Cramer on cnbc complaining about palantir products and their valuation and he was acting like a crybaby"  
[X Link](https://x.com/Spike_1567/status/1980625242306302265) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:20Z XXX followers, XX engagements


"@CreativeCap89 Also Dillard $DDS has been a XX bagger in just X years while its a declining business . It has made more money than nvidia and Palantir shareholders 😂"  
[X Link](https://x.com/Spike_1567/status/1980626264450036161) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:24Z XXX followers, XX engagements


"@valueplays412 @weary_centurion I totally agree. But they do need to change the sentiment on the company. It most likely wont happen til they accelerate branded checkout which is starting to grow"  
[X Link](https://x.com/Spike_1567/status/1980630324007645634) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:40Z XXX followers, XX engagements


"@Grover65970949 @weary_centurion according to that analyst they like to pinpoint a weakpoint of a business and rn thats branded checkout which does need to accelerate"  
[X Link](https://x.com/Spike_1567/status/1980661472926789680) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T15:44Z XXX followers, XX engagements


"@weary_centurion @errorcode0699 why does it show 969M basic shares outstanding on their income statement then in Q2"  
[X Link](https://x.com/Spike_1567/status/1980676993147339158) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T16:46Z XXX followers, XX engagements


"@TheBrilliantBu1 @YodaStockInvest i agree with this. I actually started a position in ROOT last friday. If lemonade executes well they will defiently be a bigger company than ROOT but they arent profitable compared to ROOT. however ROOT is in a huge market as well and their underwriting is very impressive imo"  
[X Link](https://x.com/Spike_1567/status/1980679943412723770) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T16:57Z XXX followers, XX engagements


"@SimeonResearch_ My favorite midcap is Shift4 but others I liked were Oddity Tech Tidewater Clear Secure and Euroney Worldwide. Smallcap is a bit difficult for me but I am liking ROOT the more I research it which I have a small position in rn"  
[X Link](https://x.com/Spike_1567/status/1980718175017636014) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T19:29Z XXX followers, XX engagements


"@TheBrilliantBu1 @realroseceline also Ally Financial posted a strong quarter last week showing signs of strong auto financing market. Could be a good signal for Carvana and Root but i agree we need to wait for both to report"  
[X Link](https://x.com/Spike_1567/status/1980723056306987193) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T19:49Z XXX followers, XX engagements


"@wealthmatica Like I dont understand what makes them different fromm Trade Desk or comapnies like google or Meta"  
[X Link](https://x.com/Spike_1567/status/1979602241997951290) [@Spike_1567](/creator/x/Spike_1567) 2025-10-18T17:35Z XXX followers, XXX engagements


"@TheBrilliantBu1 I think they will be fine but this proves that they were just pumping the stock with the release of last weeks long term guidance. Also I would watch Benioff interviews with him complaining about palantir products and their valuation and he was acting like a crybaby"  
[X Link](https://x.com/Spike_1567/status/1980357780608545116) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T19:37Z XXX followers, XX engagements


"@JM_Investment0 I absolutely agree to this. Imo diversification is good once you hit a inflection point where compounding really takes into effect. Thats specificially 100k. Also most people confuse Diversification with Diworsification. X different things that people dont understand"  
[X Link](https://x.com/Spike_1567/status/1980358187430899849) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T19:39Z XXX followers, XX engagements


"@JM_Investment0 yeah I have started to get a ton into the small and mid cap areas that are also profitable business"  
[X Link](https://x.com/Spike_1567/status/1980363169286767006) [@Spike_1567](/creator/x/Spike_1567) 2025-10-20T19:59Z XXX followers, XX engagements


"@valueplays412 @weary_centurion A big mistake is most of retail investing community is they assume revenue growth = shareholder value creation which is false. It comes from growing EPS. PayPal prior to Alex Chriss is a perfect example of why just focusing on revenue growth isint a smart idea"  
[X Link](https://x.com/Spike_1567/status/1980621969100832932) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T13:07Z XXX followers, XX engagements


"@adiokingeth this dosnt mean anything especailly when u are a company that does descent amount of SBC which imo they dont do a lot so these arent open market buys. I am a shareholder as well"  
[X Link](https://x.com/Spike_1567/status/1980671681653010939) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T16:25Z XXX followers, XX engagements


"@nataninvesting no I agree. A lot of people according to Howard Marks fall into the trap of Big V value investing where you relegiously worship low multiples without looking into the business. A good example of this is Western Union $WU. Most investors should practice Little v value investing"  
[X Link](https://x.com/Spike_1567/status/1980705119554658541) [@Spike_1567](/creator/x/Spike_1567) 2025-10-21T18:37Z XXX followers, XX engagements


"@wealthmatica I trimmed my google position last Friday. Still am bullish but am finding better opportunities elsewhere"  
[X Link](https://x.com/Spike_1567/status/1981028956934402425) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T16:04Z XXX followers, XX engagements


"@ValuationEdge_ Definitely gonna be an interesting quarter to watch for. Ally financial posted solid results last week and carvana is reporting before root so definitely one to watch for"  
[X Link](https://x.com/Spike_1567/status/1981020294773911828) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T15:30Z XXX followers, XX engagements


"@alexcapital01 Analysts rn only care about branded checkout growth which is true cause its slowed down but Alex Chriss is heavily working on and it will XXX% reaccelerate. Rn its just a game of scale. BNPL could grow like crazy during holiday season imo"  
[X Link](https://x.com/Spike_1567/status/1981044114985529850) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T17:04Z XXX followers, XX engagements


"@CreativeCap89 @QualityInvest5 @weary_centurion have to admit this feud was fun to watch to the end. CPAs saving the day in the end"  
[X Link](https://x.com/Spike_1567/status/1981068130144112804) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T18:40Z XXX followers, XX engagements


"@Kross_Roads I assume its HOOD or SOFi causing the downfall"  
[X Link](https://x.com/Spike_1567/status/1981091231368434053) [@Spike_1567](/creator/x/Spike_1567) 2025-10-22T20:12Z XXX followers, XXX engagements