Oliver | MMMT Wealth (CPA)
@MMMTwealth
Followers
61K
Following
37K
Media
3K
Statuses
21K
Technical/Fundamental analyst, CPA, Owner of https://t.co/hO3l50hhRd, Investing in the Second Wave of AI, Join 18,000 other investors 👇
Join 18,000+ members 👉
Joined February 2023
Premium subscription to my community gets you: - Deep dives & valuation models - Live support and Q&A - Access to my spreadsheet (portfolio, exact buys, sells, trims, & adds) - My daily market notes Join here 👇 https://t.co/j9mjki9PyI
mmmtwealth.com
I will help you retire well before you're 65 | Let me teach you how to invest in the best companies in the world. Click to read Make Money, Make Time, by Oliver | MMMT Wealth, a Substack publication...
12
4
44
Let me be clear with $DLO here. If you're bearish on the Q3 take rates then read my CONSERVATIVE assumptions below. YTD take rate is 2.72%. My assumptions here are for 2.5%.
Let's assume some basic numbers with $DLO: TPV: Grows 25% CAGR (previously grown 40%) to reach $100B TPV by 2030. Take Rate: Previously 4%, but now consistently ~3%. Conservatively, let's say it stabilizes at 2.5%. Revenue: $2.5B by 2030. FCF Margin: Guidance gives us
5
6
39
Let me be clear with $DLO here. If you're bearish on the Q3 take rates then read my CONSERVATIVE assumptions below. YTD take rate is 2.72%. My assumptions here are for 2.5%.
Let's assume some basic numbers with $DLO: TPV: Grows 25% CAGR (previously grown 40%) to reach $100B TPV by 2030. Take Rate: Previously 4%, but now consistently ~3%. Conservatively, let's say it stabilizes at 2.5%. Revenue: $2.5B by 2030. FCF Margin: Guidance gives us
5
6
39
+6.2% today for $HROW.
People don't appreciate how cheap $HROW is. Name me another stock growing EBITDA ABOVE 76% CAGR (for the next 3 years) whilst trading BELOW 17x NTM EBITDA. There's truly not many out there.
3
3
33
Admittedly missed the first wave on $NBIS. Have been extremely extremely patient for what has felt a long time now. Didn't chase at all. Now I'm finally being rewarded with a potentially good zone to buy.
27
15
389
A reminder that $DLO crushing earnings and then dropping because take rates dropped by 8 bps is not logical. If you have a long-term horizon, $DLO below $14 is a great buy.
It would have been interesting to see how $DLO reacted today if the overall market was very green. Tough to tell whether $DLO is down because of earnings or because of the wider pullback. Likely both. Either way, $DLO in my opinion produced some very solid results yesterday
8
4
74
And this is why $NU is a top 3 position of mine. Rarely any worries going into earnings. Elite company.
11
17
260
Look at what is holding up today. $HIMS green $LMND flat $FOUR flat $NU green $ALB flat $ZETA flat
10
3
73
BREAKING 🚨 $UPST founder purchased 100,000 shares of $UPST at $39.23 on the open market for a total of $3.9M. First insider buy since 2023.
7
9
107
And this is why $NU is a top 3 position of mine. Rarely any worries going into earnings. Elite company.
11
17
260
Just look at your YTD performance before you panic and sell.
9
1
83
It would have been interesting to see how $DLO reacted today if the overall market was very green. Tough to tell whether $DLO is down because of earnings or because of the wider pullback. Likely both. Either way, $DLO in my opinion produced some very solid results yesterday
7
0
56
In a sea of red, $ALB +5.3% Overall +50% now on $ALB.
5
2
34
Admittedly missed the first wave on $NBIS. Have been extremely extremely patient for what has felt a long time now. Didn't chase at all. Now I'm finally being rewarded with a potentially good zone to buy.
27
15
389
Too many people want to invest in more stocks. Rather than increasing their exposure to a few stocks. Find 5-10 high quality companies with incredible long term potential and weight your portfolio heavily there. $LMND $HIMS $NU $DLO $PATH $TMDX $AMZN $SOFI $ZETA $OSCR
21
13
154
Overall some good numbers by $DLO BUT net take rate down quite sharply. -7% AH I’ll be tracking the earnings call closely. If the take rate issue isn’t what I deem to be a long term issue, this is a great buying opportunity.
11
2
76
Is there a legitimate bear case around $FOUR's valuation today? They're growing EBITDA at 44% yet trading below 8x NTM EBITDA. If you have a 3-5 year horizon I don't see how this doesn't work out.
19
5
92
$HIMS is started to get interesting again here. Have consistently said $HIMS is a great company but the valuation got overstretched. We've now come back down to the level I'd consider it. Likely buying this week again. Patience pays.
Long term $HIMS is still a great company own. I have little doubt about that. Shorter term, $HIMS is overvalued. When you've got a company trading at 36x NTM EBITDA and growing EBITDA at 23% over the next 3 years, I think it's due a pullback. That's why I trimmed ~15% of my
11
6
129
Trimmed a big portion of my $FSLR position. Initial buy at $138 and trimmed for just under a 100% gain so far.
4
0
28
Too many people want to invest in more stocks. Rather than increasing their exposure to a few stocks. Find 5-10 high quality companies with incredible long term potential and weight your portfolio heavily there. $LMND $HIMS $NU $DLO $PATH $TMDX $AMZN $SOFI $ZETA $OSCR
21
13
154
$HIMS is started to get interesting again here. Have consistently said $HIMS is a great company but the valuation got overstretched. We've now come back down to the level I'd consider it. Likely buying this week again. Patience pays.
Long term $HIMS is still a great company own. I have little doubt about that. Shorter term, $HIMS is overvalued. When you've got a company trading at 36x NTM EBITDA and growing EBITDA at 23% over the next 3 years, I think it's due a pullback. That's why I trimmed ~15% of my
11
6
129