Shift4 Payments looks mispriced. The founder-led payments platform is growing more than 30% yet trades at a single-digit forward P/E. It posted record 2025 results and made major acquisitions in a massive payments market, but the stock is still more than 50% below its highs. x.com 

Shift4 Payments' critics look mostly emotionally driven, while the market likely thinks the company has a balance sheet problem and tends to be ruthless when that's the case. Shift4 One, enabled by the Global Blue deal, launched recently and is already winning international customers, and Global Blue accelerated to 8% growth in Q2 despite a Middle East headwind. Management says organic growth with Global Blue would be mid-teens absent that headwind. High-single-digit growth is achievable. x.com  … Show more

Shift4 Payments has too many red flags to own, with Jared Isaacman's departure the final straw, and there are many better opportunities elsewhere. The company did too many acquisitions too quickly; Global Blue looks like a mistake for now, though the deal can still work if Shift4 upsells and cross-sells its 300,000+ merchants. x.com  x.com 

Shift4 Payments is about 55% undervalued against an estimated fair value near $105 while growing around 30%. It owns the full payment flow from point-of-sale hardware to software, supporting strong take rates and margins. Gross profit grew 34% in 2025, with about 30% guided for 2026, and margins keep expanding under strong management. Risks are integrating its many acquisitions, competition in a payments-only business and about $5 billion of debt that would bite if growth or profits falter. … Show more

Shift4 is about five times cheaper than Microsoft on owner earnings. Owner earnings here are cash flow after stock-based compensation, deducting maintenance capex instead of depreciation and before growth capex, roughly what Shift4 could distribute to shareholders today if it skipped growth investment. x.com  x.com 

Shift4 Payments may look cheap, but payment processing is a margin race to the bottom and a tough business. Companies with much stronger moats are a better use of capital, since paying fair value for a great business beats buying an OK business cheaply. @PronkDaniel notes it is growing strongly at 6.5 times estimated free cash flow while conceding its moat is questionable. x.com 

These picks ride AI demand and digital scale. Reddit licenses conversation data to AI firms; Upstart supplies AI lending; Nu leads Latin American banking; Uber's autonomous-vehicle play is overlooked. Talen sells AI data-center power at premium rates; Dell ships AI servers; Microsoft pairs Azure with OpenAI. CrowdStrike secures enterprises; Duolingo expands its most-downloaded language app into math and music; Mastercard, one of two global card networks, takes a cut of trillions in payments. … Show more

Fidelity National Information Services is a good deep-value opportunity at current prices. The gap between momentum semiconductor and capex names and the AI 'losers' and mega-cap tech looks stretched, and a rotation seems near, whether from selling the news on Micron's earnings or quarter-end rebalancing, even if it is short-lived and volatile. x.com 

Fintech's slide looks like a broad rotation out of the sector rather than isolated company weakness, as investors buy the largest beneficiaries of the AI infrastructure buildout. SoFi is down 43% year to date, with similar weakness at Klarna, Shift4 and Toast, as capital leaves fintech, software and emerging markets for semiconductors, networking, memory and AI infrastructure names such as Nvidia, Broadcom, Micron and Nebius. SoFi CEO Anthony Noto said the decline bothers him. x.com 

Fiserv will likely stagnate for years because it cannot grow its way out of rising debt. It generates about $4B of free cash flow but has raised long-term debt to $28B to sustain aggressive buybacks, while growth was barely above inflation last year and totaled -0.5% over the past three quarters. A new CEO and new projects mean it is not going to zero, but it is far less attractive than @KrisPatel99's case for it as a deleveraging compounder. x.com