# ![@marciofabrizio Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::342323306.png) @marciofabrizio Marcio

Marcio posts on X about cash flow, fintech, $pags, flow the most. They currently have [---] followers and [--] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::342323306/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342323306/c:line/m:interactions.svg)

- [--] Months [-----] -53%
- [--] Year [-----] +3,247%

### Mentions: [--] [#](/creator/twitter::342323306/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342323306/c:line/m:posts_active.svg)

- [--] Months [--] +2,200%
- [--] Year [--] +2,300%

### Followers: [---] [#](/creator/twitter::342323306/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342323306/c:line/m:followers.svg)

- [--] Months [---] -0.85%
- [--] Year [---] -2.50%

### CreatorRank: [---------] [#](/creator/twitter::342323306/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342323306/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  40% [stocks](/list/stocks)  26.67% [currencies](/list/currencies)  10% [travel destinations](/list/travel-destinations)  6.67% [countries](/list/countries)  6.67% [technology brands](/list/technology-brands)  3.33%

**Social topic influence**
[cash flow](/topic/cash-flow) #619, [fintech](/topic/fintech) 13.33%, [$pags](/topic/$pags) 13.33%, [flow](/topic/flow) 10%, [$dlo](/topic/$dlo) #18, [$stne](/topic/$stne) 10%, [$nu](/topic/$nu) 10%, [hoy](/topic/hoy) 10%, [brasil](/topic/brasil) 6.67%, [$25b](/topic/$25b) 3.33%

**Top accounts mentioned or mentioned by**
[@grok](/creator/undefined) [@raydalio](/creator/undefined) [@secscottbessent](/creator/undefined) [@carlosmaslaton](/creator/undefined) [@betomendeleiev](/creator/undefined) [@siemprelong](/creator/undefined) [@traderx3al30](/creator/undefined) [@pipo_bpo](/creator/undefined) [@valcosecurities](/creator/undefined)

**Top assets mentioned**
[PagSeguro Digital Ltd. (PAGS)](/topic/$pags) [DLocal Limited (DLO)](/topic/$dlo) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [NuCypher (NU)](/topic/$nu) [MercadoLibre Inc (MELI)](/topic/$meli) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Bull Market (BULL)](/topic/bull-market)
### Top Social Posts
Top posts by engagements in the last [--] hours

"After the $25B CyberArk acquisition this quarter matters not just for revenue but for long-term cash flow. Lets look at valuation through a DCF lens"  
[X Link](https://x.com/marciofabrizio/status/2023057034376040504)  2026-02-15T15:29Z [---] followers, [--] engagements


"El DCF Invertido: A $12.02 el mercado est priceando un crecimiento del 14% y una cada terminal del -2.5%. Bsicamente el mercado cree que $DLO es un dinosaurio que se est extinguiendo. 🦖"  
[X Link](https://x.com/marciofabrizio/status/2022393770759852280)  2026-02-13T19:33Z [---] followers, [---] engagements


"Fortaleza Financiera: A diferencia de otras fintech $DLO tiene $333M de caja propia y DEUDA CERO. Ya navegaron lo peor de los problemas de repatriacin de Argentina y Egipto y ahora estn reinvirtiendo fuerte en frica y Asia"  
[X Link](https://x.com/marciofabrizio/status/2022393777198092677)  2026-02-13T19:33Z [---] followers, [--] engagements


"Under this path: Intrinsic value $148 per share. At $167 the stock trades at roughly a 13% premium to this estimate. That suggests limited margin of safety"  
[X Link](https://x.com/marciofabrizio/status/2023057089279758406)  2026-02-15T15:29Z [---] followers, [--] engagements


"Comparable fintechs: $STNE (StoneCo) [--] P/E $CIELO3.SA [--] $NU (Nubank) 30+ $MELI 45+ PagBank sits at the intersection of digital banking and payments but still valued like a legacy acquirer"  
[X Link](https://x.com/anyuser/status/1975574063432319015)  2025-10-07T14:48Z [---] followers, [---] engagements


"MR BESSENT WE DID NOT HAVE A PROBLEM WITH LA MATANZA @SecScottBessent"  
[X Link](https://x.com/anyuser/status/1982605989338911107)  2025-10-27T00:31Z [---] followers, [---] engagements


"El mercado no la ve o $DLO es el problema 🕵♂ Hoy cotiza a $12.02. Me puse a hacer un DCFy un "DCF invertido" y aca los resultados👇"  
[X Link](https://x.com/anyuser/status/2022393767639269552)  2026-02-13T19:33Z [---] followers, [---] engagements


"La Realidad: Los ingresos de [----] fueron de $1.05B (+41% anual). El TPV (volumen) supera los $38B y la retencin neta es del 149%. Esto no es un negocio que se muere; es la infraestructura clave para que Amazon Meta y Google cobren en mercados emergentes"  
[X Link](https://x.com/anyuser/status/2022393772756390325)  2026-02-13T19:33Z [---] followers, [--] engagements


"Palo Alto Networks $PAWN Reports Earnings This Week What Must Be True at $167"  
[X Link](https://x.com/marciofabrizio/status/2023057030261445034)  2026-02-15T15:29Z [---] followers, [--] engagements


"To justify todays price the market appears to assume: Revenue growth near 20% for several years Faster margin expansion Significant compression in SBC A higher terminal multiple (20x+ forensic FCF)"  
[X Link](https://x.com/marciofabrizio/status/2023057097995526533)  2026-02-15T15:29Z [---] followers, [--] engagements


"Same company. Different assumptions. Different valuation outcome. Earnings this week will test which column is closer to reality"  
[X Link](https://x.com/marciofabrizio/status/2023057114957009081)  2026-02-15T15:29Z [---] followers, [--] engagements


"El mito del "Take Rate": mucho castigo porque el margen baj al 0.99%. Pero la ganancia bruta acaba de meter un rcord de $100M en un solo trimestre. dLocal est resignando margen por volumen: el manual de Visa para ganar el mundo"  
[X Link](https://x.com/anyuser/status/2022393774887047393)  2026-02-13T19:33Z [---] followers, [--] engagements


"Escenarios: 🐻 Bear (Crisis EM): $7.40 ⚖ Base (Normal): $16.40 🚀 Bull (Explosin): $23.80"  
[X Link](https://x.com/marciofabrizio/status/2022393779744116932)  2026-02-13T19:33Z [---] followers, [--] engagements


"@RayDalio @grok Extract concrete action items for CFOs investors and corporate finance professionals. Output only decision-relevant actions (monitor adjust hedge reassess). Ignore explanations opinions and background. Prioritize highest impact"  
[X Link](https://x.com/marciofabrizio/status/2023184987223400813)  2026-02-15T23:57Z [---] followers, [--] engagements


"Current snapshot: Share price: $167 Diluted shares: 810M (post-deal) Net cash: $9B FY26E revenue: $12B The deal increased scale and dilution"  
[X Link](https://x.com/marciofabrizio/status/2023057042672427267)  2026-02-15T15:29Z [---] followers, [--] engagements


"How I value PANW: I use a 10-year DCF based on forensic free cash flow. That means I treat stock-based compensation (SBC) as a real economic cost not a free add-back. Dilution matters over time"  
[X Link](https://x.com/marciofabrizio/status/2023057061333139783)  2026-02-15T15:29Z [---] followers, [--] engagements


"Base case assumptions: Revenue growth gradually slows from 25% toward low double digits Forensic FCF margin expands from 1718% toward 30%+ Terminal multiple: 15x forensic FCF WACC: 10% These are disciplined not aggressive assumptions"  
[X Link](https://x.com/marciofabrizio/status/2023057068777955538)  2026-02-15T15:29Z [---] followers, [--] engagements


"@grok @RayDalio La re puta madre no puede ser que cantidad de humo tira este tipo. Ests seguro que eso es lo mas accionable de tanto texto"  
[X Link](https://x.com/marciofabrizio/status/2023190731498934589)  2026-02-16T00:20Z [---] followers, [--] engagements


"@CarlosMaslaton Carlos preocupan tantos tweets y tiempo en pantalla. Estas promediando un tweet cada [--] minutos. Todos con un tono muy bearish. Acaso es el fin del bullmarket"  
[X Link](https://x.com/marciofabrizio/status/1737085902143242469)  2023-12-19T12:22Z [---] followers, [--] engagements


"@BetoMendeleiev_ @siemprelong En Madrid la cobertura total de la empresa donde laburo sale [--] euros. La empresa pone otro [--]. Total 100"  
[X Link](https://x.com/marciofabrizio/status/1758522754003829221)  2024-02-16T16:04Z [---] followers, [---] engagements


"@TraderX3AL30 @grok show free cash flow and net income of the past [--] quarters for YPF. Establish a correlation between revenue and oil prices for each period. Perform a sensitivity analysis between sales and oil price and estimate break even price for oil to achieve positive FCF and NP"  
[X Link](https://x.com/marciofabrizio/status/1979209295993491727)  2025-10-17T15:34Z [---] followers, [--] engagements


"🚀 PagBank PagSeguro ($PAGS): Potential Upside in Brazils Fintech Revival A thread on why one of Latin Americas most overlooked fintechs might be 3040% undervalued 👇"  
[X Link](https://x.com/anyuser/status/1975573349544960012)  2025-10-07T14:46Z [---] followers, [---] engagements


"In [----] $PAGS delivered: 📈 Revenue +17% YoY 💰 Net Income +28% YoY 💵 Operating Cash Flow turned positive in [----] 📊 ROE 15% Still it trades at just [--] earnings far below fintech peers like $STNE (10) and $NU (30)"  
[X Link](https://x.com/marciofabrizio/status/1975574049385525405)  2025-10-07T14:48Z [---] followers, [---] engagements


"DCF results (USD per ADR): 🐂 Bull (12% growth 9% WACC): $2425 ⚖ Base (7% 10% 2% g): $1314 🐻 Bear (2% 12% 1% g): $9 ➡ Current price: $9.2 Even conservative cases show limited downside"  
[X Link](https://x.com/marciofabrizio/status/1975574058332033029)  2025-10-07T14:48Z [---] followers, [--] engagements


"Relative valuation check: 📊 P/E median peers [----] 📊 EV/EBITDA median [----] At [--] $PAGS trades 40% below peers despite comparable growth and profitability"  
[X Link](https://x.com/marciofabrizio/status/1975574061205078060)  2025-10-07T14:48Z [---] followers, [---] engagements


"New $NU simplified valuation: Built my DCF off: 👥 Explosive user growth 📈 Rising ARPAC 📊 Highlights: Fair value estimate: $1720 Margins still best-in-class at 17% Cost to serve just $0.70/month Real upside if growth continues but macro risk in Brazil is real"  
[X Link](https://x.com/anyuser/status/1947060583028961332)  2025-07-20T22:26Z [---] followers, [----] engagements


"📈 Bottom line: PagBank ($PAGS) isnt priced for its fundamentals. DCF and multiples converge near $1314 implying 4050% upside potential. Undervalued profitable and positioned for rate-driven recovery. #Investing #Fintech #PAGS #PagBank #Valuation"  
[X Link](https://x.com/marciofabrizio/status/1975574065567203797)  2025-10-07T14:48Z [---] followers, [---] engagements


"$STNE (StoneCo) cotiza hoy [----] USD y varios modelos de DCF conservadores le dan un valor intrnseco entre [--] y [--] USD (Alpha Spread [--] otros 37). Upside potencial 50-100% si Brasil sigue mejorando tasas y el crdito despega. Thread 👇"  
[X Link](https://x.com/anyuser/status/2019503190790553912)  2026-02-05T20:07Z [---] followers, [---] engagements


"Forense rpido: hay divergencia cash flow vs earnings y leverage que duele si tasas suben. Bullishs suelen ignorar la deuda cuando ven el growth. Peers como PAGS o DLO tienen balances ms limpios pero STNE gana en forward P/E (9-10x) y potencial PEG bajo si EPS se estabiliza"  
[X Link](https://x.com/marciofabrizio/status/2019503195806896420)  2026-02-05T20:07Z [---] followers, [--] engagements


"Valuacin: crecimiento FCF 10-15% (realista basado en histrico + outlook Brasil) perodo explcito [--] aos terminal 2.5% WACC 13% (Brasil + beta alto 1.8). Intrinsic value estimado 22-28 USD. Margen de seguridad decente (65-80% del intrinsic) hoy en zona atractiva"  
[X Link](https://x.com/marciofabrizio/status/2019503199955103788)  2026-02-05T20:07Z [---] followers, [--] engagements

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