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# ![@realroseceline Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1304847419163639808.png) @realroseceline Rose Celine Investments 🌹

Investors are discussing various stocks, including $DLO, $MELI, and $SE, with some sharing their investment strategies and thoughts on the companies' potential for growth. Some investors are focusing on companies with strong leadership, capital-efficient business models, and high profitability, such as $DLO, which recently paid out a $150m dividend. The conversation also touches on the importance of understanding a company's business model, management, and market position before investing, with some investors expressing confidence in their long-term holdings.

### Engagements: XXXXXX [#](/creator/twitter::1304847419163639808/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:interactions.svg)

- X Week XXXXXXX +125%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +351%
- X Year XXXXXXXXX +13,836%

### Mentions: XX [#](/creator/twitter::1304847419163639808/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:posts_active.svg)

- X Week XXX -XX%
- X Month XXX +2.80%
- X Months XXXXX +38%
- X Year XXXXX +1,949%

### Followers: XXXXX [#](/creator/twitter::1304847419163639808/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:followers.svg)

- X Week XXXXX +7%
- X Month XXXXX +19%
- X Months XXXXX +263%
- X Year XXXXX +1,554%

### CreatorRank: XXXXXXX [#](/creator/twitter::1304847419163639808/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1304847419163639808/influence)
---

**Social category influence**
[luxury brands](/list/luxury-brands)  #1110 [finance](/list/finance)  [stocks](/list/stocks)  #5289 [technology brands](/list/technology-brands)  [countries](/list/countries)  [automotive brands](/list/automotive-brands)  [cryptocurrencies](/list/cryptocurrencies)  [travel destinations](/list/travel-destinations)  [fashion brands](/list/fashion-brands)  [social networks](/list/social-networks) 

**Social topic influence**
[$dlo](/topic/$dlo) #2, [$googl](/topic/$googl) #524, [money](/topic/money) #3781, [investment](/topic/investment), [tesla](/topic/tesla) #861, [oscr](/topic/oscr), [$oscr](/topic/$oscr), [amzn](/topic/amzn), [$amzn](/topic/$amzn), [insurance](/topic/insurance) #406

**Top assets mentioned**
[DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Tesla, Inc. (TSLA)](/topic/tesla) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Palantir (PLTR)](/topic/$pltr) [Netflix Inc (NFLX)](/topic/$nflx) [MercadoLibre Inc (MELI)](/topic/$meli) [Apple, Inc. (AAPL)](/topic/$aapl) [AST SpaceMobile, Inc. Class A Common Stock (ASTS)](/topic/$asts) [Metadium (META)](/topic/$meta) [Microsoft Corp. (MSFT)](/topic/$msft) [Deckers Outdoor, Corp. (DECK)](/topic/$deck) [Wise (WISE)](/topic/$wise) [UnitedHealth Group (UNH)](/topic/$unh) [Lemonade, Inc. (LMND)](/topic/$lmnd) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Msci Inc (MSCI)](/topic/$msci) [Hundred Million (100M)](/topic/$100m) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Iris Energy Limited Ordinary Shares (IREN)](/topic/$iren) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [NVIDIA Corp. (NVDA)](/topic/$nvda) [SiteOne Landscape Supply, Inc. (SITE)](/topic/$site) [Rocket Lab USA, Inc. Common Stock (RKLB)](/topic/$rklb) [Basis Cash (BAC)](/topic/$bac) [Bank of America (BAC)](/topic/bank-of-america)
### Top Social Posts [#](/creator/twitter::1304847419163639808/posts)
---
Top posts by engagements in the last XX hours

"Peculiar how no one gives $TSLA credit for future innovation (perhaps $AAPL also 🫣)"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945558345467007445) 2025-07-16 18:57:10 UTC 7923 followers, 3326 engagements


"@spsmith78 Fortunately I dont have any big losers in my portfolio. The biggest looser of my life was under armour lost about 3/4 of the capital invested"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947776455968231491) 2025-07-22 21:51:09 UTC 7925 followers, XXX engagements


"@TacticzH All good my friend I still like Dlo more than Adyen here"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947393193416528082) 2025-07-21 20:28:12 UTC 7917 followers, XXX engagements


"@BadFinAdvice @TheTechInvest Thats not investing its gambling. I dont have an edge in gambling and its a weak strategy. Buying a stock at $X hoping it hits $X selling paying taxes and trying to repeat that cycle almost always underperforms the market in the long run"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947083902285439401) 2025-07-20 23:59:12 UTC 7884 followers, XXX engagements


"@GordoCap18 All Im saying is I love great businesses that dont need a ton of capital. A business like $MSCI is more attractive than $ASML for me because its more efficient"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948095494078792078) 2025-07-23 18:58:54 UTC 7921 followers, XXX engagements


"@Luce_On_TSLA Even at 30x earnings it would be reasonable based on its growth rate"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947411047855657324) 2025-07-21 21:39:09 UTC 7916 followers, XXX engagements


"$GOOG and $TSLA both reported roughly in line with expectations though theyre dealing with very different situations. Teslas story is well known at this point its about the long term vision of autonomy robotaxis AI and robotics. Nothing in this quarter really changes that. Google on the other hand is dealing with the reality that building the future ie AI cloud custom chips etc means spending a lot more on businesses that dont have the same attractive margins as search (one of the best businesses ever created). Neither company is going away and this isnt some Lehman moment. But both are"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948130279006314758) 2025-07-23 21:17:07 UTC 7921 followers, 3881 engagements


"@aahmad1581 $DLO edge is deep local expertise in emerging markets. PayPal isnt built for that and isnt trying to be. PayPal would need a full strategy shift and years of local integration to compete"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948072639479906707) 2025-07-23 17:28:05 UTC 7921 followers, XXX engagements


"Unfortunately thats not correct I wish it was. $DLO had $511m in cash. $156m belongs to customers $356m belongs to $DLO. Quite impressive even after buying back $100m in stock last year they still grew cash by $60m. Its also worth noting that they just paid a $150m dividend so after subtracting that from the $356m they have around $200m remaining"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1933288162677436927) 2025-06-12 22:19:51 UTC 7889 followers, XXX engagements


"I just found X incredible under the radar never before discovered stocks total gems that are practically secret. Please keep this between us. We dont want Wall Street catching on these companies are extremely private and very shy These companies are so low profile they make Area XX look like Times Square. 🤫 shhhh The names $HIMS $OSCR $NBIS $IREN $ASTS They prefer soft whispers and candlelight spreadsheets please dont tag anyone because it might wake the algos. Remember: If anyone asks you heard about them from a friend of a friend who vanished after saying the word free cash flow. Just nod"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946305363898503290) 2025-07-18 20:25:34 UTC 7905 followers, 11K engagements


"Funny how they say beauty is in the eye of the beholder. Every day I see people calling things generational opportunities and yet I cant find anything I actually want to buy. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1942072355263819937) 2025-07-07 04:05:06 UTC 7896 followers, 4835 engagements


"@Luce_On_TSLA @longoption I dont want to be in the risk assessment business its not for me"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947710564278669814) 2025-07-22 17:29:19 UTC 7923 followers, XXX engagements


"@SimeonResearch_ @129Greenmeadow @uboat159 @adrewrogers @DGretta_Author @carmo_analyse @topsecretstocks @TheRayMyers $X bucks refferal fee pls💰"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947780451978166657) 2025-07-22 22:07:02 UTC 7920 followers, XXX engagements


"$AAPL is a really special business. Notice how its not on this list. People complain it doesnt innovate or that it trades too high but instead of spending $100B a year chasing growth it just gives the money back to its owners. Thats rare"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948170074059338108) 2025-07-23 23:55:15 UTC 7921 followers, 6080 engagements


"@Luce_On_TSLA @longoption The dumbest thing someone can do is invest in something they do not feel comfortable only. I simply dont want to be an insurance business. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947713475729604633) 2025-07-22 17:40:54 UTC 7905 followers, XXX engagements


"You could argue $AWS alone justifies $AMZN entire market cap + Ads doing over $50B at a high teens growth rate + Subscriptions over $30B also growing high teens + Retail business + All future innovation all for free"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1918084728625992177) 2025-05-01 23:26:50 UTC 7904 followers, 4529 engagements


"This is a fascinating video and $ASML is a fascinating company building an incredible product. But if youve followed me you know I prefer simplicity over complexity. Watching this made my head spin these machines take like seven planes to ship the R&D and capex are astronomical. Yes that complexity and spend are part of what makes $ASML a monopoly. But the holy grail of investing (to me) is finding a business thats just as great on paper without needing this level of effort reinvestment and complexity. That said $ASML is clearly a critical piece of the global tech puzzle. Without it theres no"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948042454948823340) 2025-07-23 15:28:08 UTC 7921 followers, 7080 engagements


"How I turned $55K into $X million Around XX years ago I invested $55000 into $NFLX. At the time it felt like a massive risk. Netflix had just gone through the Qwikster mess the stock had crashed and sentiment was horrible. But Carl Icahn was buying and I believed the business would recover. Ive held ever since. Through the COVID spike. Through the Bill Ackman drama. Through all the volatility. Ive never sold a single share. Today that $55K is worth approx $1M. Im not sharing this to flex. Im sharing it because I think people forget what real investing looks like. Its not about trading"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1930072184678240506) 2025-06-04 01:20:42 UTC 7900 followers, 624.1K engagements


"These comparisons dont make any sense because Adyen and Dlo report their revenues completely differently. One reports net revenue the other reports gross revenue its like comparing apples to oranges. The numbers arent measuring the same thing. You can think of it this way in terms of accounting like this: Aydens gross profit is the same as $dlo revenue 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947383355479363953) 2025-07-21 19:49:07 UTC 7915 followers, 1237 engagements


"$DECK starting to look interesting here 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945321403336810554) 2025-07-16 03:15:39 UTC 7923 followers, 6736 engagements


"Echo Chamber Portfolios: When Groupthink Masquerades as Conviction We used to build portfolios by studying companies. Now too many people build them by scrolling. You see a stock all over X. A few smart accounts own it. Someone posts a slick chart or a one-liner like This is the next $AMZN. You like the idea. You add it to your watchlist. A few days later another person with 50k followers posts about it. Then another. And another. You start to feel behind. So you buy it. Thats not conviction. Thats exposure bias. What Is an Echo Chamber Portfolio An echo chamber portfolio is what happens when"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947089586611753211) 2025-07-21 00:21:47 UTC 7921 followers, 9262 engagements


"Today I took a look at $WISE (Wise plc) and its a compelling fintech businesses. Heres why: Wise is a UK based company that allows users both individuals and businesses to move money internationally at a lower cost than traditional banks. Their core innovation is using real exchange rates (mid market) and minimizing transfer fees. Over the years theyve expanded into multi currency accounts debit cards and B2B payment solutions essentially becoming a financial infrastructure platform for global money movement. On the income statement the numbers are strong. For FY 2024 revenue came in at 1.54"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1922430491732676647) 2025-05-13 23:15:20 UTC 7919 followers, 27K engagements


"@barryrigers I am not a fan of equities at the moment aside from $dlo"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946253304784449643) 2025-07-18 16:58:42 UTC 7905 followers, XXX engagements


"No App Can Replace This: Meet $SITE @carmo_analyse asked me to write a post about $SITE here you go: $SITE is the largest and only national wholesale distributor of landscape supplies in the United States. Think irrigation systems fertilizers pest control nursery plants hardscape materials outdoor lighting turf products all the stuff your landscaper uses $SITE supplies it. They serve a fragmented customer base of local landscape contractors property managers and golf courses through over XXX branches across XX states and X Canadian provinces. No one else offers the same product breadth at"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1932117434569535744) 2025-06-09 16:47:48 UTC 7919 followers, 5183 engagements


"What Happens When Garbage Stocks Become XX Baggers Were in a market where pure junk is going parabolic. Its not just that the S&P is at all time highs. Its that companies with no profits and no path are turning into XX baggers and their holders think that means theyre geniuses. Look at $ASTS and $RKLB. These arent overlooked innovators. Theyre capital destruction machines. $ASTS has negative gross margins and no product. $RKLB is burning money on satellite launches with no pricing power and no long term viability. But the markets been so forgiving that these stocks have turned into lottery"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946241117231730836) 2025-07-18 16:10:16 UTC 7921 followers, 127.2K engagements


"How long will it take for $PLTR to report $30b pretax annually🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945502929081008315) 2025-07-16 15:16:58 UTC 7886 followers, 4998 engagements


"Now lets talk about the elephant in the room CapEx was way higher than expected at $75B and investors still arent seeing a clear path to AI monetization. Classic case of strong results but even stronger spending. Strong results dont matter if investors arent convinced the spending will drive future returns. Pretty much exactly what Ive been saying all along. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948116061997662298) 2025-07-23 20:20:38 UTC 7921 followers, 12.7K engagements


"Buying a stock only when it looks cheap selling when it hits your estimate of intrinsic value paying taxes and repeating the cycle might sound logical but its a fragile strategy. It forces constant decision making and the more decisions you make the greater the odds of making a costly mistake. One of the most underappreciated skills in investing is knowing when not to act. Buffett says as activity increases investment returns decrease. The best investors win not by doing more but by doing less. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1941173322148172097) 2025-07-04 16:32:39 UTC 7920 followers, 6808 engagements


"@RyanAcker12 Patience beats activity. Most of my mistakes came from rushing overtrading or trying to force something. The best outcomes came from waiting doing nothing and letting a good business compound"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947775102571209024) 2025-07-22 21:45:47 UTC 7915 followers, XXX engagements


"The Origin Story of the Stock Market (A Quick Fun Story) We all trade stocks and obsess over earnings. We argue about price targets and potential returns. But most people dont actually know much about the stock market itself. So heres a short simple story about where it all came from. No lectures just cool facts and a little history that might give you a better appreciation for the game were all playing. Lets go back in time. The first real stock ever traded came from a company that doesnt make any sense to most people today. It wasnt $AAPL or $AMZN. It was a group of Dutch merchants in 1602"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948055224356315219) 2025-07-23 16:18:53 UTC 7921 followers, 3059 engagements


"$NGVC Thank you for sharing all of your ideas. This time I had a hard time finding a business I really liked but of all the suggestions $NGVC by @DGretta_Author stood out. Here are my thoughts: What is Natural Grocers Natural Grocers is a regional grocery chain focused on organic food supplements and healthy living. They operate XXX stores across XX states and have built a loyal customer base by offering strict ingredient standards and fair prices. Think of it as a smaller more disciplined version of Whole Foods (with a slower steadier approach to growth). What could $NGVC become in XX years"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1941933616969519492) 2025-07-06 18:53:48 UTC 7873 followers, 6115 engagements


"The real competition will come from companies that leverage their infrastructure more efficiently not those trying to replicate it"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1944854324821344343) 2025-07-14 20:19:39 UTC 7898 followers, 3980 engagements


"My feed is XX% $OSCR Im still X% convinced. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947640644429877537) 2025-07-22 12:51:29 UTC 7921 followers, 21.6K engagements


"Which business should I review next and why Drop ideas below. If one stands out Ill dive in. Heres what it must have: Real revenue growth Profits or positive free cash flow A strong balance sheet Great management Clear understandable model Attractive unit economics Preferable small market cap You get the point"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1930723196237709703) 2025-06-05 20:27:35 UTC 7923 followers, 16.8K engagements


"Came across this from Warren Buffett Ive written about the misjudgment and mistakes of not accounting for taxes in investment decisions (read my substack link in bio). For example if you live in a high tax state like CA/NY and you buy a stock for $XX and sell for $XX you didnt not make 50%. You made approx XX% after tax. I see almost no one accounting for their lifelong business partner who always gets his cut Uncle Sam. Heres Buffets quote: In our opinion the real risk that an investor must assess is whether his aggregate after-tax receipts from an investment (including those he receives on"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946271237866733784) 2025-07-18 18:09:57 UTC 7909 followers, 3430 engagements


"I never used to look at insurance until I started seeing the hype around $UNH $OSCR $LMND $KNSL. I get the appeal and I respect what $OSCR CEO is trying to do w/ X% EBIT goal. But this is a hard industry and even great operators can fall short in tough industries. If they land at XXX% instead of X% the stock might not be nearly as cheap as it looks. Hopefully they hit X% then you should make a decent return. My X cents: its better to buy a great business at a fair price than a fair business at a great price. IMHO even if you make a great return $OSCR is not a great business X% pretax margin"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948046763879010551) 2025-07-23 15:45:16 UTC 7921 followers, XXX engagements


"What Could $DLO Do Next $DLO built a strong business by solving a hard problem. They help global companies collect payments and send money in emerging markets. That is already valuable. But when I look at their infrastructure and where they operate it is clear they could do a lot more. Here are ten things I think they could get into over time: X. SME Lending They are already moving into small business credit. It makes sense. They see cash flow data. They know which merchants are growing. That is a great setup for short term working capital loans. It is also a sticky product that could"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947847158264435179) 2025-07-23 02:32:06 UTC 7921 followers, 9359 engagements


"Dismissing the report isnt wise. Insurance is complex and low margin and small shifts change everything. If Oscar lands at 3-4% EBIT instead of X% returns will be weak and the stock isnt cheap. If they hit X% youll do great. They dint have $1.5b much of their cash is tied up in reserves not freely usable. I agree w/ you $X feels too low but the risks are real and big upside is far from certain. This can work but its not as easy as people here make it seem. Never forget Wall Street is not dumb Good luck 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948037984647037101) 2025-07-23 15:10:22 UTC 7921 followers, XXX engagements


"@ItsAmeKaaay Ask mark zuckerberg why he spent $10b on the metaverse Did I ever say Google is not an incredible company Incredible company and incredible investment are two completely different things"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948358733639401880) 2025-07-24 12:24:55 UTC 7921 followers, XX engagements


"At the start of the year I said $DLO looks like a good set up earnings growth plus multiple expansion working together. Back then almost no one was talking about it except for @adrewrogers (and me). Now my feed is full of $DLO posts. Kind of wild to see the shift (pretty cool). 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945284130650120394) 2025-07-16 00:47:33 UTC 7898 followers, 6764 engagements


"Great Companies. Bad Prices. Some of the best companies in the world today like $PLTR $NET and $CRWD are also among the most expensive. These are real businesses doing transformational work with strong teams and long term relevance. They are likely to be much bigger in the future but their stock prices have run far ahead of the underlying progress. Amazing Business But The Stock Underperforms. Investors often mistake a great company for a great investment. Being right about the future doesnt mean its a good buy today. At XX or XX times revenue even small disappointments can destroy returns."  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945122501161341200) 2025-07-15 14:05:17 UTC 7922 followers, 9940 engagements


"Got a lot of worthwhile questions about $WISE here is a thread to answer some of them (with the help of ChatGPT 😃): 1/ Most people think international money transfers are just wires. Bank A sends money to Bank B. Done right But thats not how Wise (formerly TransferWise) built a billion-dollar business. They never really send your money across borders. Lets break down the brilliance of their model: 2/ First the pain point: Traditional international transfers are a nightmare. Slow (can take XX days) Expensive (hidden fees + bad exchange rates) Complex (multiple intermediaries delays FX risk)"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1922739446375645470) 2025-05-14 19:43:01 UTC 7919 followers, 7155 engagements


"$DLO Might Be Playing a Deeper Game Most people see $DLO as a payments company helping global giants like $AMZN and $META move money in tricky places like Brazil India or Nigeria. On the surface it looks like a business built for large enterprise clients. But if you zoom in something interesting is happening. Behind every transaction $DLO processes theres a small merchant a gig worker or a creator in these markets. Theyre not $DLO direct clients but theyre in the flow. And that flow might lead to a long term opportunity because $DLO is collecting all that valuable transaction data. $DLO is"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947397035059253530) 2025-07-21 20:43:28 UTC 7921 followers, 13.3K engagements


"How Do You Spot Timelessness in a Business Most people chase growth. Some chase value. But the real prize the one few ever find is timelessness. A timeless business is one that endures through market cycles technological shifts and even cultural change. It doesnt just survive volatility it compounds through it. So how do you spot it X. Simple Needs Durable Demand The best businesses solve a basic human need that doesnt go out of style. People will always eat. Theyll always need shelter. Theyll always care about their children their health and their time. If a business addresses something"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947678634317385744) 2025-07-22 15:22:27 UTC 7921 followers, 3407 engagements


"@MrFundaTechnic @adrewrogers I know I was also joking. $dlo reports next month lets see what Pedro tell us 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945501186330923034) 2025-07-16 15:10:03 UTC 7896 followers, XXX engagements


"I was reading Fairfax Financials shareholder letter (often called the Canadian Berkshire Hathaway) and came across some staggering numbers from India. In the last XX years digital payments surged from $2.2B to $185B an 8300% increase This highlights the massive secular tailwinds driving digital payments in emerging markets. For $DLO this trend is huge over the next decade as hundreds of millions of people come online across the Global South fueling trillions in digital transactions. Also interesting is bank accounts surged from 150m to 500m XXX% increase. Bullish for banks in the global south"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1903145846600044863) 2025-03-21 18:05:03 UTC 7920 followers, 1660 engagements


"$MELI is the engine driving Latin Americas digital economy. MercadoLibre is more than just an online marketplace. Its the backbone connecting millions of small businesses consumers and financial services across a rapidly growing region. With ecommerce still in early stages across LATAM $MELI has a massive runway ahead. Their investments in logistics and fintech create a seamless experience that keeps customers coming back. This company isnt just riding the wave its building the infrastructure that will power decades of growth. For anyone watching Latin Americas digital transformation $MELI is"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1943737553276088730) 2025-07-11 18:22:00 UTC 7889 followers, 3492 engagements


"Has anyone done research on $TBTC Please share thx 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946289379955351719) 2025-07-18 19:22:03 UTC 7921 followers, 3312 engagements


"@samcan123 @mikemini1992 That would be an interesting person to meet there are so many throughout history"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947788436078985649) 2025-07-22 22:38:45 UTC 7920 followers, XX engagements


"@kt6765 I like $dlo but unless I had a deep understanding of what I am buying I wouldnt buy anything"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947780909727650188) 2025-07-22 22:08:51 UTC 7920 followers, XXX engagements


"Thoughts on insurance: People ask me about $LMND $OSCR $UNH etc and sure there will be winners in the insurance industry. But Ive never liked insurance so I dont spend time on it. You cant own everything. Heres why: Insurance profits are delayed and uncertain. A year that looks great on paper might blow up years later when claims roll in. Risk is priced using data in a world that keeps changing that bet gets harder every year. Reserving is guesswork. Small changes in assumptions can make earnings look better than they are until they arent. Even good underwriting is hard to spot. Playing it"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1937926367636762798) 2025-06-25 17:30:25 UTC 7922 followers, 11.2K engagements


"Your portfolio should reflect your best ideas not your broadest knowledge. Too much diversification is just disguised indecision. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945343117382803498) 2025-07-16 04:41:56 UTC 7923 followers, 10K engagements


"7/ You want companies that: Grow revenue consistently Generate free cash flow Have modest capex needs Use excess cash to shrink the share count These businesses dont need hype just time"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1944891112490942805) 2025-07-14 22:45:50 UTC 7921 followers, 1088 engagements


"$TSLA results were about as expected nothing exciting as the transition phase continues. Energy business growing very fast perhaps the bright spot. They launched the robotaxi service in Austin delivered a car fully autonomously to a customer hit X million vehicles produced shipped the first Megapacks from Shanghai and launched Model Y in India. The cheaper car is still on track for 2025 Cybercab is coming in 2026 and FSD Supervised may expand to China and Europe next year if approved"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948123012726993263) 2025-07-23 20:48:15 UTC 7921 followers, 4096 engagements


"Today I looked at $IESC a quite compounder youve probably never heard of. IES Holdings is a roll up of electrical mechanical and communications contracting businesses serving data centers utilities housing and industrial infrastructure. While its not flashy its quietly built a decade long track record of value creation: XX year revenue CAGR XX% XX year EPS CAGR XX% High return on invested capital low debt Margin expansion from scale and execution Growing via both acquisitions and organic backlog It now operates across 125+ locations with 9000+ employees and still flies under the radar. Trades"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1932898353165279448) 2025-06-11 20:30:53 UTC 7880 followers, 7786 engagements


"8/ Examples that fit this model: $TTD $BKNG And several under the radar small caps with capital discipline These compound quietly"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1944891245098361337) 2025-07-14 22:46:21 UTC 7921 followers, 2333 engagements


"@RichlyInvest I dont think theres any validity to it"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947726989324128427) 2025-07-22 18:34:35 UTC 7916 followers, XXX engagements


"Like I said many times I dont care how great your bank idea is banks are almost always not investable"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947073441640910914) 2025-07-20 23:17:38 UTC 7923 followers, 5373 engagements


"@nataninvesting Simple question for you why do you want to be in the organ transplant business"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947640790043463986) 2025-07-22 12:52:04 UTC 7923 followers, 1609 engagements


"@LeadingEdgeTLE @Spike_1567 $DECK is more profitable and growing faster than $CROX thanks to HOKA while Crocs is still weighed down by the Hey Dude deal"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945553983336230994) 2025-07-16 18:39:50 UTC 7896 followers, XXX engagements


"@tmulpuri @CentaurixCap You think about how to invest for X year and I think about how to invest for XX years its a big difference"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948222206967742833) 2025-07-24 03:22:25 UTC 7923 followers, XX engagements


"@amitisinvesting Be greedy one of those are fearful and fearful when others are greedy. I know its not popular to say but Ive been doing this a long time. Euphoria makes people forget basics. Trees dont grow to the sky and the party never ends in a rosy (pun intended) way. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947322269065240641) 2025-07-21 15:46:23 UTC 7909 followers, 1398 engagements


"I have an hour to kill: tell me something interesting or ask me anything - GO 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947771808201249107) 2025-07-22 21:32:41 UTC 7921 followers, 6200 engagements


"What company should I look at next Has to be: Relatively small Fast growing Profitable Reasonably valued Strong management High returns on capital Easy to understand: Im not trying to cure cancer or count pi to the 20th digit. No banks no insurance no oil and gas no healthcare no biotech you get the point Ideally something overlooked or underappreciated. Hint: last time I did this I chose $XPEL Drop the ticker and a note on why its worth a look. If something catches my eye I will write a post about it. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1935379842792571286) 2025-06-18 16:51:26 UTC 7918 followers, 31.3K engagements


"@SimeonResearch_ Certain restaurants work well $cmg $dpz $wing but they sell for crazy valuations I guess people have to eat lol 😝"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947450622778999073) 2025-07-22 00:16:25 UTC 7922 followers, XXX engagements


"Its Worth More Is Not an Investment Thesis People say a stock should be worth more but they rarely stop to ask why or how. Take $OSCR for example. Not to single it out but it trades around $XX and theres a general feeling it should be worth more. That might be true but mostly I see a lot of optimism and vague reasoning. But this isnt about Oscar its about how we think and how we can become better more thoughtful investors. Worth more is easy to say. Obviously we all want to buy something for $XX and have it be worth $XX. Thats the game but just saying its undervalued is a shallow way to"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947296969984242040) 2025-07-21 14:05:51 UTC 7921 followers, 11.7K engagements


"@Aholtz324 Search may still be growing but AI reduces the need to click links. Over time fewer clicks mean less ad revenue. Growth now doesnt guarantee it lasts Wall Street is always forward looking stock is flat"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948117845487079560) 2025-07-23 20:27:43 UTC 7921 followers, XXX engagements


"Everyones asking the wrong question about $NFLX. Did they beat expectations Miss slightly Guide up or down Who cares. This quarter was solid. But none of that matters if youre thinking like an owner. The real question is: What will Netflix look like in XX years Because $NFLX is becoming a cash flow machine with global scale near zero marginal distribution costs and declining content spend as a % of revenue. What happens when theyre guiding to $20B in free cash flow triple todays rate and still shrinking the share count Now imagine this: They keep growing subs. They raise ARPU slowly. Their ad"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945954256865173947) 2025-07-17 21:10:23 UTC 7897 followers, 8278 engagements


"@Leonard55943837 $Dlo its a business that I understand management that I trust with attractive risk/reward valuation. Simply put I think theres a high chance you make a decent return and a low chance you suffer permanent loss of capital"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947773391731364306) 2025-07-22 21:38:59 UTC 7920 followers, XXX engagements


"1/ Most people chase multiple expansion or margin improvement. But you can 3x your money in X years without either. Heres how and why its a better way to invest 🧵"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1944890481256882232) 2025-07-14 22:43:19 UTC 7896 followers, 9727 engagements


"You Dont Need More Picks. You Need More Patience. Most people think investing is about making a series of great decisions. Find the next big thing. Time the market. Catch the bottom. Sell the top. Then repeat. But the truth is every decision you make introduces risk. Every trade is a chance to be wrong. Every attempt to optimize creates friction taxes and emotion. Which is why some of the best investors dont try to be smart all the time. They try to be right enough and then stay out of their own way. Compounding Needs Time Not Activity Compounding isnt just a financial principle its a"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945950219834970422) 2025-07-17 20:54:21 UTC 7918 followers, 11.7K engagements


"$NFLX reports tomorrow. Wall Streets expecting XX% revenue growth and XX% EPS growth. Lets see if management can back that up and what they say about the path forward"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1945486896010072109) 2025-07-16 14:13:16 UTC 7920 followers, 3363 engagements


"My thoughts on $DLO ceo Pedro Arnts recent interview: Record Revenue and Reaccelerating Growth dLocal posted $217M in revenue up XX% and XX% in constant currency its fastest growth since Q1 2024 driven by strength in Latin America and frontier markets. Payments Volume Continues to Surge Total payment volume hit $8.1B up XX% as dLocal scaled with global merchants in commerce remittances SaaS and on demand services. Cross Border Volumes Hit New Highs Cross border TPV grew XX% YoY to over $4B now XX% of the total which is outpacing local to local volume for a second straight quarter. Local to"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1925605194433536477) 2025-05-22 17:30:29 UTC 7919 followers, 6493 engagements


"Give me a good stock idea. Must be: X. Small X. Profitable with good balance sheet X. Growing fast X. Easy to understand (simple ideas not curing cancer or launching rockets) X. Reasonable valuation X. Preferably American Thx will pick my favorite idea and make a post about it. 🙏 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1941648888596922559) 2025-07-06 00:02:23 UTC 7923 followers, 27.1K engagements


"Wall Street is expecting in 10-12% growth going forward. I dont know Pypl well but from a quick look I dont see outsized returns here. That said if your goal is less ambitious growth/risk Pypl could be good. Id rather own PayPal and some crazy fintech trading at 50x sales. Perhaps look at $DLO similar valuation to PayPal and growing much faster + more efficiently. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947326052818387422) 2025-07-21 16:01:25 UTC 7917 followers, XX engagements


"@grok @HeroDividend @DividendGrowth @DividendIncome_ @Smartnetworth1 Its like reading a horoscope youre a smart charming person thats beautiful good looking pleasant and kind destined for the biggest and most amazing things in life"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1946343262928921087) 2025-07-18 22:56:09 UTC 7883 followers, XX engagements


"$PYPL basically took what $DLO already does in B2B and repackaged it for B2C cleaver move. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1948048412261384698) 2025-07-23 15:51:49 UTC 7921 followers, 7129 engagements


"I know this is a dumbed down way to look at things but sometimes simplicity cuts through the BS. $DLO is expected to grow earnings XX% this year XX% next year and another XX% the year after. Its trading at about 10x 2027 earnings. Valuation is in the eye of the beholder but to me this looks like a setup where you can earn a decent return with minimal risk of permanent capital loss. 🌹"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947467278314086848) 2025-07-22 01:22:35 UTC 7921 followers, 8404 engagements


"@KryptoBull2025 I like $dlo $gmgi is also interesting"  
![@realroseceline Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1304847419163639808.png) [@realroseceline](/creator/x/realroseceline) on [X](/post/tweet/1947780061589082165) 2025-07-22 22:05:29 UTC 7920 followers, XXX engagements