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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 XXX engagements in the last XX hours.

### Engagements: XXX [#](/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 +175%
- X Months XXXXXXX +8,778%

### 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 -XXXX%
- X Month XXX +30%
- X Months XXX +2,560%

### 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 +1.30%
- X Month XXXXX +39%
- X Months XXXXX +1,464%

### CreatorRank: XXXXXXXXX [#](/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% [technology brands](/list/technology-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [finance](/list/finance)  XXXX%

**Social topic influence**
[$fi](/topic/$fi) #21, [$four](/topic/$four) #4, [$gpn](/topic/$gpn) #3, [$xyz](/topic/$xyz) #11, [$tost](/topic/$tost) #8, [$adyen](/topic/$adyen) #10, [$jkhy](/topic/$jkhy) #2, [$axp](/topic/$axp) #45, [$pypl](/topic/$pypl) 0.91%, [fintech](/topic/fintech) #412

**Top accounts mentioned or mentioned by**
[@jevgenijs](/creator/undefined) [@defisurfer808](/creator/undefined) [@qualityinvest5](/creator/undefined) [@square](/creator/undefined) [@nachunja](/creator/undefined) [@ft](/creator/undefined) [@torovictorioso](/creator/undefined) [@yehoshzl](/creator/undefined) [@vladkolomeyets](/creator/undefined) [@simonkhalaf](/creator/undefined) [@contextinvestor](/creator/undefined) [@buckbid](/creator/undefined) [@krossroads](/creator/undefined) [@bigcedarlodge](/creator/undefined) [@grok](/creator/undefined) [@rushhhhs](/creator/undefined) [@grazes](/creator/undefined) [@tallnfat](/creator/undefined) [@charlieboats](/creator/undefined) [@konstantcap](/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) [American Express Company (AXP)](/topic/$axp) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Corpay, Inc. (CPAY)](/topic/$cpay) [Shopify Inc (SHOP)](/topic/$shop) [BILL THE BEAR (BILL)](/topic/$bill) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [Paypex (PAYX)](/topic/$payx) [Paylocity Holding, Corp. (PCTY)](/topic/$pcty) [Mastercard, Inc. (MA)](/topic/$ma) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) [Klarna Group (KLAR)](/topic/$klar) [Thermo Fisher Scientific Inc. (TMO)](/topic/$tmo) [Dayforce, Inc. (DAY)](/topic/dayforce) [Paycor HCM, Inc. Common Stock (PYCR)](/topic/$pycr) [Paycom Software Inc (PAYC)](/topic/$payc) [Apple, Inc. (AAPL)](/topic/$aapl) [JPMorgan Chase (JPM)](/topic/$jpm) [Wells Fargo & Co (WFC)](/topic/$wfc) [US Bancorp (USB)](/topic/$usb) [Basis Cash (BAC)](/topic/$bac) [Accenture (ACN)](/topic/accenture) [S&P Global Inc (SPGI)](/topic/$spgi) [Tradeweb Markets Inc. Class A Common Stock (TW)](/topic/$tw) [MarketAxess Holdings Inc. (MKTX)](/topic/$mktx) [Adappter Token (ADP)](/topic/$adp) [Airbnb Inc (ABNB)](/topic/$abnb) [Msci Inc (MSCI)](/topic/$msci) [Factset Research Systems, Inc. (FDS)](/topic/$fds) [Zoetis Inc (ZTS)](/topic/$zts)
### Top Social Posts [#](/creator/twitter::1910712335162871808/posts)
---
Top posts by engagements in the last XX hours

"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 1033 followers, 24.5K 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 1033 followers, 2131 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 1033 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 1033 followers, XXX 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 1033 followers, 1412 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 1033 followers, XXX 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 1033 followers, 20.4K 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 1033 followers, XXX 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 1026 followers, XXX engagements


"Paycor $PYCR and Dayforce $DAY look to be off the board. Are Paycom $PAYC and Paylocity $PCTY next"  
[X Link](https://x.com/bobspaysubstack/status/1957463551305568499) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-08-18T15:24Z 1028 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 1028 followers, 1110 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 1026 followers, 1864 engagements


"Its a concern. However I wouldnt make a call on that with such a small sample size. Undeniable that Squares picked up a bit of momentum especially in restaurants but no reason to believe thats going to come straight out of the pocket of Clover. It comes down to whats priced in and whats not. A lot of bad stuff is priced in for $FI IMO when in reality its a very good and predictable business thats slowing marginally but still growing at an attractive rate"  
[X Link](https://x.com/bobspaysubstack/status/1973453336851652955) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-01T18:21Z 1026 followers, XXX 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 1029 followers, 1751 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 1026 followers, XXX 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


"@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 1032 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 1032 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 1033 followers, XXX 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 1033 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 1032 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 1032 followers, 1337 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 1032 followers, 1463 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 1032 followers, XXX 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 1033 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 1033 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 1033 followers, XXX 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 1033 followers, XXX 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 1033 followers, XX 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 1032 followers, 1030 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 1033 followers, 1749 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 1032 followers, 2448 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 1032 followers, XXX engagements


"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 1033 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 1033 followers, 1215 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 1033 followers, XXX 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 1033 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 1033 followers, XXX 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 1033 followers, XXX engagements


"Discouraging to see a lack of bid in Shift4 $FOUR today despite strong travel and entertainment spending from $AXP. I think Q3 numbers will be good but Global Blue likely to dominate the conversation for a while"  
[X Link](https://x.com/bobspaysubstack/status/1979277160259993737) [@bobspaysubstack](/creator/x/bobspaysubstack) 2025-10-17T20:03Z 1033 followers, 1727 engagements