Siyu Li
@siyul
private investor | ex-NYSE, Bridgewater, Bernstein. Write "Under The Hood" http://underhood.substack.com
My latest write-up is out at "Under the Hood" (UTH), link in bio. It is $UNFI, the largest natural food distributor in the US. It is yet another* turnaround story with a credible plan, early promising results, yet under-loved due to isolated adverse events / poor market…
Focus on Your own Game Days like this week, it is tempting to look at $KSS $OPEN and think : a. What if I joined the crowd?! or b. What are these clowns doing pumping shitcos?! for me, neither is a healthy way of thinking. Being a disciplined investor -> knowing yourself,…
When my two favorite analysts, discussing my current favorite stock, call me triple-biased. 😂 Let me highlight 3 things: ✔️ $UNFI turnaround is real; Thin-margin biz (like UNFI), when a turnaround occurs, is often explosive. ✔️Cyber attack was unfortunate, but contained, yet…
Podcast #326 is up! @kingdomcapadv returns to discuss fintwit's favorite value turnaround, $UNFI yetanothervalueblog.com/p/kingdom-capi…
When my $C Original Dumpster Dive buddy(i.e. pound-the-table long Citi < $40) continues to remain bullish despite 2x+, I'm obliged to read. * I trimmed ~20% prior to 2Q25ER, paused the trim after the ER. fwiw, I used the $ to initiate $SHG pos.
Citi $C it is not too late $JPM $BAC $DB $BCS $SOFI $LC $WFC $MS $GS seekingalpha.com/article/480480…
One of my recipes for finding worthy turnarounds.
My latest write-up is out at "Under the Hood" (UTH), link in bio. It is $UNFI, the largest natural food distributor in the US. It is yet another* turnaround story with a credible plan, early promising results, yet under-loved due to isolated adverse events / poor market…
$shg a quick 2q25 ER notes. Result looks solid, 11.5% RoTCE, QoQ improvement across all key segments except Card (slight decline) As I modeled, it maintains dividend payout rate, and aggressively ramp up buyback at 0.65x P/TBV. Total shareholder return might hit 43-45% by…
As promised, the latest write-up is available at "Under the Hood." Like $C and $DB, Shinhan FG, a top-tier South Korean bank, is executing my favorite banking playbook: ✅Profitable growth; ✅Curbing low RoTCE biz; ✅Buyback at deep discount to TBV. 9.5% RoTCE, target 50%…
Operating Leverage is a magic word; you hear it, but don't often see it. $DB Deutsche Bank's 2Q25 results showcase what effective operating leverage can do. A moderate 4% YoY rev growth, near flat expense, 10% adj operating leverage -> 29% YoY profit growth. 📈 8% today.…
When I preach "Substance Over Style", and my son shows me this wsb msg that rips $DNUT 20%. Parenting is tougher than ever!
Wow, this Paypal World story captures my attention and is an intriguing product pitch. Digital wallets (e.g. Weixin Pay and Alipay) are indispensable in daily life in China, and it takes some effort and annoying steps to set up, especially for a short visit. As a tourist,…
It's a similar story when a PayPal user goes on holiday in China. They want to grab a coffee in a cafe that accepts Weixin Pay. All they will need to do is open their @PayPal app and scan to pay. It's simple, safe and secure. No concern over what form of payment is accepted or…
Put aside my respect for Cluseau; my more critical view is that Orr has no standing to judge the quality of an investor, as he has not demonstrated the skills/temperaments required to be a good investor. btw, I saw ~10 takes of this today on FinX: all screenshots; no reposts or…
My quick/partial response to what did $c guys achieve other than a higher stock price?
Cut the majority of unprofitable overseas retail, cut high-risk distressed debt/muni-bond trading, and reduce cash equities trading, separate MEX/ready for IPO, improve wealthMgt bigly (check out last 4Q results), remain top player in treasury/securities, etc.. You may push…