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[@GarpandChill](/creator/twitter/GarpandChill)
"@heychar_x USD/BRL may even work in $NU's favour. Expect even larger rev growth coming year. G&C"  
[X Link](https://x.com/GarpandChill/status/1985346745266577785) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:02Z XXX followers, XX engagements


"3 Valuation remains cheap (11 P/E) despite elite profitability and global dominance in live casino. The short-report saga: Playtech was confirmed behind the 2021 Black Cube smear. That could finally ease the sentiment drag"  
[X Link](https://x.com/GarpandChill/status/1982139919481942450) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T17:39Z XXX followers, 2493 engagements


"4 Why it matters 👇 X Clears Evolutions name. X May push clients away from Playtechs unethical tactics. X Symbolic win even if compensation is minor. Together these could start lifting the cloud over $EVO"  
[X Link](https://x.com/GarpandChill/status/1982139993838534861) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T17:39Z XXX followers, 2443 engagements


"@Speedwell_LLC @ShawzieInvest @Nybergarenn After cutting off the stolen streams and thereby also the good revenue that served as collateral would you expect those users to eventually find their way back to $EVO games through another channel"  
[X Link](https://x.com/GarpandChill/status/1982191389799514524) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T21:03Z XXX followers, XX engagements


"7/ This isnt just e-commerce. Its a compounding ecosystem across commerce logistics payments and credit Competitors will struggle to keep up with that flywheel The question isnt who offers free shipping Its who can survive giving it"  
[X Link](https://x.com/GarpandChill/status/1982461368457433134) [@GarpandChill](/creator/x/GarpandChill) 2025-10-26T14:56Z XXX followers, XX engagements


"8/ Bonus insight most investors overlook: advertising $MELIs ad business is quietly becoming a profit engine. Its insanely high-margin still early in its ramp-up and will steadily lift group margins over time Its the hidden catalyst few are modeling yet"  
[X Link](https://x.com/GarpandChill/status/1982461426691113399) [@GarpandChill](/creator/x/GarpandChill) 2025-10-26T14:56Z XXX followers, XXX engagements


"@hollertotide @ChristopheNour Thanks for the reply and link to video. Any idea what the destination of your cash pile will be G&C"  
[X Link](https://x.com/GarpandChill/status/1982504965907292670) [@GarpandChill](/creator/x/GarpandChill) 2025-10-26T17:49Z XXX followers, XXX engagements


"$EVO resumed its buybacks on Friday after Q3 results the one thing management keeps getting right. When done through cycles and sustained over time buybacks can quietly create massive compounding. Just look at $AN AutoNation (2017 to 2024) an unglamorous low-growth business of car dealerships: Revenue +3.3 % CAGR Net income +6.9 % CAGR Share count XXXX % CAGR EPS +20.0 % CAGR Total return since 2017: $AN +312 % vs S&P XXX +206 %. A significant outperformance. $AN trades around XX P/E. Mohnish Pabrai recently bought in he knows the power of a true share cannibal. Request to $EVO management:"  
[X Link](https://x.com/GarpandChill/status/1982811741055517000) [@GarpandChill](/creator/x/GarpandChill) 2025-10-27T14:08Z XXX followers, XXX engagements


"@readswithravi Telling myself $EVO is like this. G&C"  
[X Link](https://x.com/GarpandChill/status/1983537215340003810) [@GarpandChill](/creator/x/GarpandChill) 2025-10-29T14:11Z XXX followers, XXX engagements


"$MELI Q3: Ads do not disappoint. Dont tell me I didnt warn you. Ad revenue +56 % YoY G&C"  
[X Link](https://x.com/GarpandChill/status/1983649856884515111) [@GarpandChill](/creator/x/GarpandChill) 2025-10-29T21:39Z XXX followers, XXX engagements


"@davey_juice Looking back these fears seem totally unwarranted as always. $MELI keeps dominating. Long. G&C"  
[X Link](https://x.com/GarpandChill/status/1984681276050194559) [@GarpandChill](/creator/x/GarpandChill) 2025-11-01T17:57Z XXX followers, XXX engagements


"This is exactly why Im convinced the price war in Brazil between $SE $AMZN and $MELI ultimately favors the latter. $MELI has the deepest logistics footprint and scale so lowering the free-shipping threshold can still be profitable. For $SE and especially $AMZN this move burns cash instead of driving leverage. Scale wins. $MELI has it. G&C"  
[X Link](https://x.com/GarpandChill/status/1984757185268654507) [@GarpandChill](/creator/x/GarpandChill) 2025-11-01T22:59Z XXX followers, XX engagements


"2 Its a digital bank from Latin America scaling faster than almost any in the world. Over XXX million users all onboarded digitally no branches. Customer love not marketing spend drives the flywheel"  
[X Link](https://x.com/GarpandChill/status/1985347321387790573) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XX engagements


"3 Its Nubank $NU. Every new user makes it stronger and cheaper to run. Cost to serve $XXX per month (-3 % YoY FXN) ARPAC $XXXX (+18 % YoY FXN) Word of mouth near-zero CAC. David Vlez CEO 🎥 Interview (Norges Bank Investment Management)"  
[X Link](https://x.com/GarpandChill/status/1985347323065471138) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XXX engagements


"4 ARPAC keeps climbing yet is still of traditional banks. If $NU reaches even XX % of legacy ARPAC revenue per user roughly doubles with minimal added cost"  
[X Link](https://x.com/GarpandChill/status/1985347324936171611) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XX engagements


"5 Revenues and profits are exploding. 📈 Revenue $3.7B 💜 Net income $637M All from just three countries"  
[X Link](https://x.com/GarpandChill/status/1985347327230407057) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XX engagements


"6 In Mexico digital banks are eating incumbents alive. $NU now rivals BBVA among top-used financial apps. Old empires are crumbling"  
[X Link](https://x.com/GarpandChill/status/1985347329365323829) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XXX engagements


"7 Credit remains resilient. XX + DPD XXX % with XXX % coverage on NPL90 +. Underwriting hype"  
[X Link](https://x.com/GarpandChill/status/1985347331630276925) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XX engagements


"8 Next growth legs: and . Insane Customer and Deposits growth. 👇 These markets are larger and less penetrated than Brazil when NU began"  
[X Link](https://x.com/GarpandChill/status/1985347333970620453) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XX engagements


"9 XX forward P/E with 30+ % EPS growth. Net income +42 % YoY FXN. And now the BRL is strengthening vs USD (-8.6 % YoY). Imagine what USD-denominated growth will look like this year 👀"  
[X Link](https://x.com/GarpandChill/status/1985347336084525058) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XXX engagements


"🔟 Old banks lent money. New banks build networks. Buffett saw it early then sold. The compounding continued. $NU is turning banking into software and is now testing a US beachhead for LatAm expats. $NU $MELI $PAGS G&C"  
[X Link](https://x.com/GarpandChill/status/1985347338542682301) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:04Z XXX followers, XXX engagements


"5 The pecking order 🟩 $CSU.TO global mothership size limits speed 🟦 $LMN.TO focused on communications software 🟨 $TOI.V European VMS leader smaller deals higher ROIIC Topicus is the best mix of scale and runway"  
[X Link](https://x.com/GarpandChill/status/1984296184173715633) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:27Z XXX followers, 1197 engagements


"1 X TLDR Constellation wrote the script. Topicus is performing it in Europe with more agility and a much longer runway to grow. Initiated a position around X %. Earnings on Tuesday will tell if I made the right choice. $TOI.V $CSU.TO $LMN.TO"  
[X Link](https://x.com/GarpandChill/status/1984297516955771111) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:32Z XXX followers, 1150 engagements


"Thanks Matheus. Kaspi seems to do everything right but the macro keeps fighting it. Youre spot on. Higher rates compress fintech margins and the smartphone import tax change explains much of the marketplace slowdown. Once those normalize XX% plus growth looks achievable again. Curious how you see the $HEPS story playing out. G&C"  
[X Link](https://x.com/GarpandChill/status/1984980621668598074) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:47Z XXX followers, XX engagements


"@matheussilvae Thats a fair point. Paying up for a turnaround is always tricky especially when market share is still slipping. But if they can apply even part of their Kazakhstan playbook in Turkey logistics payments and ecosystem cross-sell the upside could indeed be massive. G&C"  
[X Link](https://x.com/GarpandChill/status/1984983502719258875) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:58Z XXX followers, XX engagements


"🧵 Evolution $EVO.ST Q3 2025 post-earnings thoughts X Shareholder since 2023 (17 % of portfolio). Once a flawless compounder now a drag on performance and patience. When your biggest holding stumbles you reassess. 👇"  
[X Link](https://x.com/GarpandChill/status/1982139765135663608) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T17:38Z XXX followers, 31.5K engagements


"Tough day for Serial Acquirers. $TOI.V: -XXX% Constellation Software $CSU.TO: -XXX% Lumine Group $LMN.V: -XXX% No news. G&C"  
[X Link](https://x.com/GarpandChill/status/1983549745017901367) [@GarpandChill](/creator/x/GarpandChill) 2025-10-29T15:01Z XXX followers, 3856 engagements


"The bloodbath continues. $TOI.V: -XXX% Constellation Software $CSU.TO: -XXX% Lumine Group $LMN.V: -XXX% G&C"  
[X Link](https://x.com/GarpandChill/status/1983602946312130611) [@GarpandChill](/creator/x/GarpandChill) 2025-10-29T18:32Z XXX followers, 2072 engagements


"1 ($TOI.V) The quiet compounding engine of the Constellation family. Born in Europe built for longevity. Same DNA as $CSU.TO but with more organic growth and a longer runway. 🧵"  
[X Link](https://x.com/GarpandChill/status/1984295637546893513) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:25Z XXX followers, 10.9K engagements


"1 $KSPI The fintech super app that seems to tick every box ✅ Best in class metrics ✅ Huge insider ownership ✅ Consistent earnings growth ✅ Cheap on almost any metric Yet the market is not buying it Lets unpack why 🧵"  
[X Link](https://x.com/GarpandChill/status/1984971768134799754) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:12Z XXX followers, 1218 engagements


"9 My Take Kaspi remains one of the best run fintechs globally but the macro discount may be justified for now If management can sustain more than XX percent earnings growth in KZT and maintain margins the equity will eventually outrun the bond yield but it is not as automatic as it once was"  
[X Link](https://x.com/GarpandChill/status/1984973258630799555) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:17Z XXX followers, XXX engagements


"Excellent context thanks. Did not know that. A XX% import levy directly hits Shopees cross-border advantage. Shifting volume toward MELIs local ecosystem. Definitely bearish for $SEs Brazil unit. Slightly off-topic: Curious how you see the $NU vs $MELI competition evolving in Brazil Own both at this stage. G&C"  
[X Link](https://x.com/GarpandChill/status/1984990360532074656) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T14:25Z XXX followers, XXX engagements


"@matheussilvae Thanks for the insight. Will have a look at $INTR. G&C"  
[X Link](https://x.com/GarpandChill/status/1984998077783265717) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T14:56Z XXX followers, XX engagements


"@HLaaws How large is $NU in your portfolio G&C"  
[X Link](https://x.com/GarpandChill/status/1985346542648348676) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:01Z XXX followers, XX engagements


"@dividendology $MELI sub 2200 $TOI.V sub 140"  
[X Link](https://x.com/GarpandChill/status/1985355577803841564) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:37Z XXX followers, 1217 engagements


"This keeps getting better and better. $EVO $EVO.ST G&C"  
[X Link](https://x.com/GarpandChill/status/1985440494684397892) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T20:14Z XXX followers, 2392 engagements


"@RedshirtInsight I only read that youve been an investor in CSU for one and a half decades. What a chad. Congrats. G&C"  
[X Link](https://x.com/GarpandChill/status/1985694019221962771) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:02Z XXX followers, XX engagements


"1 Warren Buffett once invested here then sold missing a XX % gain this year. This company has grown revenue XX % CAGR and net income XX % CAGR yet trades around XX forward earnings. $NU Something doesnt add up. 🧵"  
[X Link](https://x.com/GarpandChill/status/1985699765762265482) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XXX engagements


"4 Numbers that matter Q2 revenue up XX % year on year the highest since FY23. This does not include Topicuss Asseco stake. Then growth would be in the XX to XX % range. A three year high driven by both organic and acquired growth"  
[X Link](https://x.com/GarpandChill/status/1984296075151241540) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:27Z XXX followers, XXX engagements


"@NotMarkLeonard Whats your take on the results G&C"  
[X Link](https://x.com/GarpandChill/status/1985680321208086974) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:07Z XXX followers, XXX engagements


"7 Next growth legs: and . Insane customer and deposits growth in these countries. These markets are larger and less penetrated than Brazil when NU began"  
[X Link](https://x.com/GarpandChill/status/1985699781960954188) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements


"9 Explosive growth in coming XX months due to three drivers: 1) New customers 2) Higher ARPAC for existing customers 3) FX-tailwinds"  
[X Link](https://x.com/GarpandChill/status/1985699787316887920) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements


"11 EVO remains a cash cow but with bruised trust. No-growth scenario = modest yield from buybacks plus dividends. Real returns need growth plus multiple re-rating. USA remains the biggest opportunity ahead"  
[X Link](https://x.com/GarpandChill/status/1982140767515603380) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T17:42Z XXX followers, 2017 engagements


"12 Playtechs exposure could still shift sentiment and share. $EVO is in a contradictory phase battling cyber issues in Asia and paying up for ringfencing in Europe while expanding in LATAM and the USA where growth may take a few more years to matter. 🧵 End"  
[X Link](https://x.com/GarpandChill/status/1982141073724973145) [@GarpandChill](/creator/x/GarpandChill) 2025-10-25T17:43Z XXX followers, 2122 engagements


"1/ Shopee ($SE) just overtook MercadoLibre ($MELI) in order volume across Brazil The battle for Latin Americas e-commerce crown is on Is MELIs moat cracking or proving unbreakable $MELI is my second largest position (16%) Heres my take 👇"  
[X Link](https://x.com/GarpandChill/status/1982460227707429056) [@GarpandChill](/creator/x/GarpandChill) 2025-10-26T14:52Z XXX followers, 1248 engagements


"@FromValue @letuscompound So youre telling me to hold $EVO.ST G&C"  
[X Link](https://x.com/GarpandChill/status/1983880239186088254) [@GarpandChill](/creator/x/GarpandChill) 2025-10-30T12:54Z XXX followers, XX engagements


"@lilsnipes23 Agreed. Expecting good earnings for all three. Remember when ChatGPT destroyed search by $GOOGL Me neither. G&C"  
[X Link](https://x.com/GarpandChill/status/1984238001321648570) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T12:36Z XXX followers, XX engagements


"6 Culture and incentives Same owner mindset as Constellation $CSU.TO. No central bureaucracy. Capital allocation discipline and skin in the game drive durable compounding"  
[X Link](https://x.com/GarpandChill/status/1984296335743259036) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:28Z XXX followers, XXX engagements


"$EVO.ST -XXX% Heavy sell into the close today. Volume picked up sharply in the final minutes. Doesnt look like pure retail flow. Feels like one meaningful holder lightening up. If pessimism isnt done flushing yet that sets up an interesting setup. When forced sellers finish price often snaps back faster than people expect. Watching closely"  
[X Link](https://x.com/GarpandChill/status/1984313840176140494) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T17:37Z XXX followers, XXX engagements


"@lilsnipes23 @SteveWps Sounds good. Do you have a write-up for $BN you can share G&C"  
[X Link](https://x.com/GarpandChill/status/1984679535195848813) [@GarpandChill](/creator/x/GarpandChill) 2025-11-01T17:50Z XXX followers, XX engagements


"@BrianFeroldi Would you recommend someone of age XX to invest XX% of his portfolio in bonds or cash That seems unnecessary. G&C"  
[X Link](https://x.com/GarpandChill/status/1984778074185933234) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T00:22Z XXX followers, XXX engagements


"@zarieinvests Curious what are the key things youre watching this earnings call G&C"  
[X Link](https://x.com/GarpandChill/status/1984949540005257449) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T11:43Z XXX followers, XXX engagements


"📅 Earnings week (Nov X 2025) Watching: Mon: $PLTR $HIMS Tue: $UBER $SHOP $SPOT $AMD $TOI.V Wed: $MCD $ARM $QCOM Thu: $ABNB $TDD $LLY $DKNG $DNP.WA $WISE.L Fri: $NCLH $DHI What are you watching G&C"  
[X Link](https://x.com/GarpandChill/status/1984950168442016211) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T11:46Z XXX followers, XXX engagements


"2 The Business Kaspi is essentially the WeChat of Kazakhstan A one stop platform for payments shopping and banking Three ecosystems feed each other Kaspi Payments (payments infrastructure) Kaspi Marketplace Kaspi Fintech (consumer and merchant lending) A rare closed loop fintech model that is both sticky and profitable"  
[X Link](https://x.com/GarpandChill/status/1984972078412390824) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:13Z XXX followers, XXX engagements


"4 The Numbers had net income growth in the XX to XX percent range in recent years Management now guides for about XX percent net income growth in 2025 ROE remains above XX percent and cash conversion close to XXX percent Still strong but no longer effortless Dividend payouts have been reduced as cash is redirected toward the $HEPS HepsiBurada acquisition in Turkey Short term drag long term optionality"  
[X Link](https://x.com/GarpandChill/status/1984972574699270281) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:15Z XXX followers, XXX engagements


"5 The Appeal More than half of Kazakhstans population uses Kaspi NPS above XX Rare profitability in emerging market fintech Single digit P E for a platform compounding at double digits On paper it looks absurdly cheap"  
[X Link](https://x.com/GarpandChill/status/1984972859731489145) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:16Z XXX followers, XXX engagements


"6 The Skeptics Lens But here is the question that matters The Kazakh XX year government bond yields about XX percent That yield reflects expected inflation a real risk free return sovereign and currency risk premium and other risk term and liquidity factors If Kaspis earnings grow below that XX percent in KZT why take equity risk at all"  
[X Link](https://x.com/GarpandChill/status/1984972940253741509) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:16Z XXX followers, XXX engagements


"7 The Trade Off Equities should offer real returns above bonds but in emerging markets that margin of safety narrows fast When inflation and FX volatility spike even XX percent KZT growth can translate to flat USD returns At that point cheap can stay cheap Kaspis quality is undeniable but the currency math is brutal"  
[X Link](https://x.com/GarpandChill/status/1984973019970760824) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:17Z XXX followers, XXX engagements


"8 The Path Forward Kaspi is still executing well Expanding regionally into Turkey Dominating its home market Printing cash with little competition But investors will need confidence that 1) KZT stabilizes 2) Growth reaccelerates above inflation 3) Turkey turns from cost center to growth engine Until then the XX percent bond sets a high bar"  
[X Link](https://x.com/GarpandChill/status/1984973178255384779) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:17Z XXX followers, XX engagements


"10 In Short Kaspi is a paradox Quality of a Western compounder Valuation of a frontier market Execution that is proven Macro that is less so For long term investors it is a test of conviction Are you betting on Kaspi the business or Kazakhstan the currency G&C"  
[X Link](https://x.com/GarpandChill/status/1984973376180355267) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:18Z XXX followers, XXX engagements


"May we finally see some green $EVO.ST G&C"  
[X Link](https://x.com/GarpandChill/status/1984977409649652115) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T13:34Z XXX followers, XXX engagements


"@matheussilvae Thats a great point. A XX% dividend yield would completely change the risk-reward profile especially if it closes the gap with the local bond yield. Thanks for sharing your views. G&C"  
[X Link](https://x.com/GarpandChill/status/1984984691972448654) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T14:03Z XXX followers, XX engagements


"Dont sleep on a $10B fintech compounding at 20%+ in an emerging market and trading at 8x earnings. G&C"  
[X Link](https://x.com/GarpandChill/status/1985026738309730443) [@GarpandChill](/creator/x/GarpandChill) 2025-11-02T16:50Z XXX followers, XXX engagements


"@moninvestor You were at $100000 long ago as you are denominated in GBP. G&C"  
[X Link](https://x.com/GarpandChill/status/1985345677807788167) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T13:57Z XXX followers, XX engagements


"@FedexSTi @MatiasRafael7 P/E has its use cases but there are better metrics for high growth companies like $MELI $AMZN or $NU. G&C"  
[X Link](https://x.com/GarpandChill/status/1985347195470811315) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T14:03Z XXX followers, XXX engagements


"@Muzzlebuster $TEA.AX feels like an early stage Mader Group. Founder led high quality services disciplined execution and a repeatable expansion model. Very similar culture and capital discipline in my view just earlier in the maturity curve. The best is yet to come. G&C"  
[X Link](https://x.com/GarpandChill/status/1985683558393135171) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:20Z XXX followers, XX engagements


"@StockMKTNewz You get an OpenAI deal. You get an OpenAI deal. You get an OpenAI deal"  
[X Link](https://x.com/GarpandChill/status/1985687004714037470) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:34Z XXX followers, XX engagements


"@duke_pearson @ISharunosuke Nu is such a beautiful company. Next year we may have a triple whammy: X. Customer growth. X. ARPAC increase for existing customers. X. BRL strengthening against USD will result in insane USD-denominated growth. Just my 2c. But good to hear the charts align as well. G&C"  
[X Link](https://x.com/GarpandChill/status/1985689278706233670) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:43Z XXX followers, XX engagements


"9 The story Topicus doesnt chase headlines. It quietly deploys capital builds moats and compounds value. While others debate disruption Topicus compounds through it"  
[X Link](https://x.com/GarpandChill/status/1984296770709409816) [@GarpandChill](/creator/x/GarpandChill) 2025-10-31T16:29Z XXX followers, XXX engagements


"$EVO $EVO.ST the share cannibal continues. Evolution AB is ramping up buybacks again Stock +2.0% today. Have we seen the bottom G&C"  
[X Link](https://x.com/GarpandChill/status/1985315967023391090) [@GarpandChill](/creator/x/GarpandChill) 2025-11-03T11:59Z XXX followers, 3421 engagements


"Holding since 2023. Every quarter we hear Asia is almost fixed yet the issues persist. The tone shift from Q2s cautiously optimistic to Q3s still need to fix it really hurt credibility for me. Hard to stay confident when execution keeps slipping. Add a bad acquisition in there and I think there are just companies with better management out there. G&C"  
[X Link](https://x.com/GarpandChill/status/1985686465196568690) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:32Z XXX followers, XX engagements


"@noseveiavenir @alexesca10 What are your thoughts on $NU G&C"  
[X Link](https://x.com/GarpandChill/status/1985690788710531446) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T12:49Z XXX followers, XX engagements


"2 Its Nubank a digital bank from Latin America scaling faster than almost any in the world. Over XXX million users all onboarded digitally no branches near-zero Customer Acquisition Cost. Word-of-mouth near-zero CAC David Vlez CEO 🎥 Interview (Norges Bank Investment Management)"  
[X Link](https://x.com/GarpandChill/status/1985699769323282651) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements


"3 ARPAC keeps climbing yet is still of traditional banks. If $NU gets to even XX% of legacy ARPAC revenue per user roughly doubles with minimal added cost"  
[X Link](https://x.com/GarpandChill/status/1985699771378778465) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements


"8 XX forward P/E with XX % EPS growth. Net income +42 % YoY FXN. And now the BRL is strengthening vs USD (-8.6 % YoY). Imagine what USD-denominated growth will look like this year 👀"  
[X Link](https://x.com/GarpandChill/status/1985699784624075072) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements


"🔟 Old banks lent money. New banks build networks. Buffett saw it early then sold. The compounding continued. $NU is turning banking into software and is now testing a US beachhead for LatAm expats. $NU $MELI $PAGS G&C"  
[X Link](https://x.com/GarpandChill/status/1985699789502374107) [@GarpandChill](/creator/x/GarpandChill) 2025-11-04T13:24Z XXX followers, XX engagements