Falling yields and rising bonds should make rate-sensitive fintech names like Dave, Sezzle and Affirm rip. x.com 

Growth in operating metrics supports owning more SoFi, Brookfield, Amazon, Netflix, Uber and Snap: all six look seriously underestimated right now. Stock Analysis charts show SoFi revenue at $1.2B, Brookfield Wealth Solutions funds from operations at $480M, AWS revenue at $42.23B, Netflix revenue at $12.56B, Uber revenue at $14.19B and Snap other-segment revenue at $316.47M. x.com  x.com  x.com  x.com  x.com 

Dave trades at a premium despite looking less exciting and less stable than SoFi or Chime, a case of the market chasing momentum and charts over fundamentals. SoFi is the best of the three, with nearly twice their growth and profitability. x.com 

A clearing of the gloomy environment will make lending stocks the next multibaggers. SoFi, Upstart and Klarna are down now, much as many cybersecurity stocks were before rising two- to fourfold in under six months. Better Home & Finance (-75% YTD), LendingTree (-55%) and Rocket (-47%) join them among lending names whose current prices will look dirt cheap in 2028-2029. x.com  x.com 

Most rivals cannot match these 12 stocks' moats. Micron is one of three HBM titans; Circle backs USDC; ASML alone makes EUV; Planet Labs has the largest Earth-imaging fleet. MongoDB is developers' choice; Affirm embeds at Amazon and Shopify; Eli Lilly leads GLP-1; SoFi spans loans, banking and investing. On gains via CloudTec; AST SpaceMobile builds phone satellites; Rigetti offers cloud quantum computing; Spotify, the largest music streamer, adds podcasts and audiobooks. x.com  x.com  x.com  x.com  … Show more

Competitive moats make growth harder to take away and are central to the long-term case for Amazon, ServiceNow, Uber, Netflix, AMD and SoFi. Amazon's combined commerce, ads and AWS scale is hard to recreate, and ServiceNow's workflow lock-in shows in a 98% renewal rate. Uber riders using both Mobility and Delivery generate over 3x the bookings, Netflix's global reach is hard to copy, and AMD's EPYC, Instinct and ROCm platform deepens with adoption. SoFi's cross-sell moat is still emerging. x.com  … Show more

Dave's core model is already very profitable, at 44% adjusted EBITDA margins, and simply needs scale in short-term liquidity, one of the largest addressable markets in the US and a need that isn't going away. Members grew 17% and originations 27% while delinquencies improved, all without much expansion into new products. Even 20% revenue growth from here could support a 10x over the next decade. x.com 

SoFi is the highest-conviction pick among eight businesses to own for 5+ years, as the market underestimates how big its financial ecosystem can become. Amazon has many ways to compound; Uber's core works, with autonomy as upside; ServiceNow has deep switching costs and a long AI runway. Zeta Global is riskier, with huge upside if growth quality holds. Netflix's margins, cash flow, pricing power, ads and scale are underrated; AMD offers data center exposure; AppLovin appeals at the right price. … Show more

Dave looks cheap after earnings, one of the names still growing fast at a low multiple. Plenty still trades below 20x adjusted EBITDA with more than 30% growth, or 30x with more than 40% growth, and Dave fits that screen alongside AppLovin and Celestica, although expectations for all three have been very high. x.com 

SoFi Technologies is the fintech consolidation story. It is a chartered digital bank offering loans and investing all in one app. x.com