Roy
@ruiheh
Some people get rich studying artificial intelligence. Me, I make money studying natural stupidity.
Last one on $SOFI for today - With short interest still around 12% of float and many funds underweight due to capital intensity and prior volatility, a clean Q2 could trigger buying from under-positioned long-onlys. Plus, IV is elevated but not extreme, so optionality is still…
$SOFI - Near-Term Catalysts Still Stack Up - HELOC scaling (new product) - LPB into subprime (fee-led, capital-light) - Student refi rebound (Q3 seasonal) - Relay/SoFi+ subs rising (durable engagement) If Q2 confirms any of these, Street FY25–26 EBITDA and TBV models go higher.
$SOFI - Consensus expects flat-to-down Tech Platform rev given legacy client churn. But if Galileo or Technisys shows even modest acceleration — e.g., outbound payments API uptake, new logos, attach rates — it could catalyze the lagging segment. Multiple compression in this…
$SOFI - Street is braced for modest degradation in lending contribution margins given loan growth + NCO normalization. If instead CM expands (as our preview suggests, to ~59.2%), the stock likely rerates higher. A beat here would raise the entire margin ceiling for FY25 and…
$SOFI - Q1 was the first clean print showing 41% fee-based revenue (vs. 33% in Q4), with LPB scaling and Financial Services margin >45%. If Q2 confirms this structural transition, the market may re-rate SoFi away from a balance-sheet–intensive lender toward a higher-multiple…
SOFI Technologies $SOFI - Earnings Cheatsheet | Q2 2025 (Call 7/29/2025) open.substack.com/pub/roy60e/p/s…
I am officially a happy Starlink User. It blew away my expectations in every way. Go $TSLA Next, I plan to switch my parents' internet service to Starlink as well.
Paypal $PYPL: Investment Flash Update | Financial Technology Conference (10 Jun, 2025) Catch up on our last FREE $PYPL write-up before the earnings call next week. open.substack.com/pub/roy60e/p/p…
Paypal $PYPL - Earnings Cheatsheet | Q2 2025 (7/29/2025) open.substack.com/pub/roy60e/p/p…
Not sure I agree. There is a development edge that will take years for others to catch up or build. Did you factor that in? Question to ask - how much will it take for someone to replicate the tech and infrastructure? How likely will they be able to assemble the team and what is…
Alphabet Inc $GOOGL: Investment Flash Update | Q2 2025 open.substack.com/pub/roy60e/p/a…
Texas Instruments $TXN: Investment Flash Update | Q2 2025 It's not as bad as the price drop (-13%) suggests. Let's dive in. open.substack.com/pub/roy60e/p/t…
ServiceNow $NOW： Investment Flash Update | Q2 2025 open.substack.com/pub/roy60e/p/s…
Chipotle $CMG: Investment Flash Update | Q2 2025 Is it an opportunity? Let's see. open.substack.com/pub/roy60e/p/c…
Tesla $TSLA: Investment Flash Update | Q2 2025 You are probably bombarded with negative write-ups about TSLA. I want to offer a different perspective. Let's dive in. @jason1730 open.substack.com/pub/roy60e/p/t…
You’re not crazy for buying $OPEN down here. Additionally, the debt obligation of $ 946 million (current) has only $ 452 million due this year. I am going to stick my head out there and say that the risk-reward ratio is heavily weighted towards reward at this point.…
Fiserv $FI - Investment Flash Update | Q2 2025 open.substack.com/pub/roy60e/p/f…
