[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 $gpn, $four, $pypl, $fi the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours. ### Engagements: XXX [#](/creator/twitter::1910712335162871808/interactions)  - X Week XXXXX -XX% - X Month XXXXXXX -XX% - X Months XXXXXXX +213% ### Mentions: X [#](/creator/twitter::1910712335162871808/posts_active)  - X Week XX -XX% - X Month XXX +46% - X Months XXX +130% ### Followers: XXXXX [#](/creator/twitter::1910712335162871808/followers)  - X Week XXXXX +1.60% - X Month XXXXX +9% - X Months XXXXX +214% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1910712335162871808/influencer_rank)  ### Social Influence **Social category influence** [stocks](/list/stocks) XXXXX% [technology brands](/list/technology-brands) XXXXX% [cryptocurrencies](/list/cryptocurrencies) XXXXX% [finance](/list/finance) XXXX% **Social topic influence** [$gpn](/topic/$gpn) #4, [$four](/topic/$four) #9, [$pypl](/topic/$pypl) #1075, [$fi](/topic/$fi) 12.9%, [$shop](/topic/$shop) 12.9%, [$axp](/topic/$axp) 9.68%, [$fisv](/topic/$fisv) #3, [$xyz](/topic/$xyz) 9.68%, [fintech](/topic/fintech) 6.45%, [$ma](/topic/$ma) XXXX% **Top accounts mentioned or mentioned by** [@joinyellowbrick](/creator/undefined) [@square](/creator/undefined) [@mikeliuasdsf](/creator/undefined) [@dandelion6922](/creator/undefined) [@jminvestment0](/creator/undefined) [@saynototrading](/creator/undefined) [@stonks7733221](/creator/undefined) [@helixcapital_](/creator/undefined) [@jm_investment0](/creator/undefined) [@poundtheproduct](/creator/undefined) [@tallseller](/creator/undefined) [@jszhang0912](/creator/undefined) [@notfomo](/creator/undefined) [@josecorai](/creator/undefined) [@giganticbananas](/creator/undefined) [@aretardinvestor](/creator/undefined) [@letushead](/creator/undefined) [@positivelyforth](/creator/undefined) **Top assets mentioned** [Global Payments Inc (GPN)](/topic/$gpn) [4 (FOUR)](/topic/$four) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Fiserv, Inc. (FI)](/topic/$fi) [Shopify Inc (SHOP)](/topic/$shop) [American Express Company (AXP)](/topic/$axp) [Fiserv Inc (FISV)](/topic/$fisv) [Block, Inc. (XYZ)](/topic/$xyz) [Mastercard, Inc. (MA)](/topic/$ma) [Toast, Inc. (TOST)](/topic/$tost) [Corpay, Inc. (CPAY)](/topic/$cpay) [Jack Henry & Associates, Inc. (JKHY)](/topic/$jkhy) [StaFi (FIS)](/topic/$fis) [Lightspeed Commerce Inc. (LSPD)](/topic/$lspd) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [BILL THE BEAR (BILL)](/topic/$bill) [Klarna Group (KLAR)](/topic/$klar) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) [Dave Inc. (DAVE)](/topic/$dave) ### Top Social Posts Top posts by engagements in the last XX hours "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 1569 followers, 6726 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 1569 followers, 24.9K 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 1569 followers, 23.2K engagements "My #Payments Scorecard $V $MA $AXP $SHOP $ADYEN $TOST $XYZ $FI $GPN $FOUR $PYPL $CPAY $JKHY $FIS" [X Link](https://x.com/bobspaysubstack/status/1985359808933835231) 2025-11-03T14:53Z 1568 followers, 3417 engagements "Excited to share my #Payments and #FinTech Quarterly Review for Q3 2025 - please consider sharing if you find this informative thank you $V $MA $AXP $ADYEN $PYPL $SHOP $TOST $XYZ $FI $GPN $FOUR $LSPD $BILL $CPAY $AFRM $KLAR $CHYM $DAVE" [X Link](https://x.com/bobspaysubstack/status/1993040848670572567) 2025-11-24T19:35Z 1569 followers, 1419 engagements "It would take Shopify $SHOP growing its FCF at a rate of XX% for XX years to reach a similar valuation (P-to-FCF) as the combination of Global Payments $GPN Fiserv $FISV and PayPal $PYPL TTM FCF" [X Link](https://x.com/bobspaysubstack/status/1993047412429275174) 2025-11-24T20:01Z 1568 followers, 3003 engagements "Shopify $SHOP Black Friday Sales Never a good idea to extrapolate a single day of volume but given the significance of Black Friday (BF) a lot of people do that including for $SHOP. $SHOP reported BF sales of $6.2B up XX% from last year but only XX% on a FXN basis a roughly similar increase to the last two years. While that looks solid on the surface it's below recent GMV growth trends which may explain why the stock is down pre-market. Over the last two years BF's mix of $SHOP's Q4 GMV has fallen from XXXX% to XXXX% or an average 11-bps annual decline. Assuming an 11-bps decline this year" [X Link](https://x.com/bobspaysubstack/status/1995500239197802659) 2025-12-01T14:28Z 1568 followers, XXX 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 1569 followers, XXX engagements
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@bobspaysubstack Bob's Payment Stock Substack
Bob's Payment Stock Substack posts on X about $gpn, $four, $pypl, $fi the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.
Engagements: XXX #
- X Week XXXXX -XX%
- X Month XXXXXXX -XX%
- X Months XXXXXXX +213%
Mentions: X #
- X Week XX -XX%
- X Month XXX +46%
- X Months XXX +130%
Followers: XXXXX #
- X Week XXXXX +1.60%
- X Month XXXXX +9%
- X Months XXXXX +214%
CreatorRank: XXXXXXXXX #
Social Influence
Social category influence stocks XXXXX% technology brands XXXXX% cryptocurrencies XXXXX% finance XXXX%
Social topic influence $gpn #4, $four #9, $pypl #1075, $fi 12.9%, $shop 12.9%, $axp 9.68%, $fisv #3, $xyz 9.68%, fintech 6.45%, $ma XXXX%
Top accounts mentioned or mentioned by @joinyellowbrick @square @mikeliuasdsf @dandelion6922 @jminvestment0 @saynototrading @stonks7733221 @helixcapital_ @jm_investment0 @poundtheproduct @tallseller @jszhang0912 @notfomo @josecorai @giganticbananas @aretardinvestor @letushead @positivelyforth
Top assets mentioned Global Payments Inc (GPN) 4 (FOUR) PayPal Holdings Inc (PYPL) Fiserv, Inc. (FI) Shopify Inc (SHOP) American Express Company (AXP) Fiserv Inc (FISV) Block, Inc. (XYZ) Mastercard, Inc. (MA) Toast, Inc. (TOST) Corpay, Inc. (CPAY) Jack Henry & Associates, Inc. (JKHY) StaFi (FIS) Lightspeed Commerce Inc. (LSPD) Affirm Holdings, Inc. Class A Common Stock (AFRM) BILL THE BEAR (BILL) Klarna Group (KLAR) Chime Financial, Inc. Class A Common Stock (CHYM) Dave Inc. (DAVE)
Top Social Posts
Top posts by engagements in the last XX hours
"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 1569 followers, 6726 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 1569 followers, 24.9K 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 1569 followers, 23.2K engagements
"My #Payments Scorecard $V $MA $AXP $SHOP $ADYEN $TOST $XYZ $FI $GPN $FOUR $PYPL $CPAY $JKHY $FIS"
X Link 2025-11-03T14:53Z 1568 followers, 3417 engagements
"Excited to share my #Payments and #FinTech Quarterly Review for Q3 2025 - please consider sharing if you find this informative thank you $V $MA $AXP $ADYEN $PYPL $SHOP $TOST $XYZ $FI $GPN $FOUR $LSPD $BILL $CPAY $AFRM $KLAR $CHYM $DAVE"
X Link 2025-11-24T19:35Z 1569 followers, 1419 engagements
"It would take Shopify $SHOP growing its FCF at a rate of XX% for XX years to reach a similar valuation (P-to-FCF) as the combination of Global Payments $GPN Fiserv $FISV and PayPal $PYPL TTM FCF"
X Link 2025-11-24T20:01Z 1568 followers, 3003 engagements
"Shopify $SHOP Black Friday Sales Never a good idea to extrapolate a single day of volume but given the significance of Black Friday (BF) a lot of people do that including for $SHOP. $SHOP reported BF sales of $6.2B up XX% from last year but only XX% on a FXN basis a roughly similar increase to the last two years. While that looks solid on the surface it's below recent GMV growth trends which may explain why the stock is down pre-market. Over the last two years BF's mix of $SHOP's Q4 GMV has fallen from XXXX% to XXXX% or an average 11-bps annual decline. Assuming an 11-bps decline this year"
X Link 2025-12-01T14:28Z 1568 followers, XXX 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 1569 followers, XXX engagements