Diversified Financials U.S. Community
Our community narratives are driven by numbers and valuation.
Diversified Financials U.S. Investing Ideas
Is Global Payments (NYSE:GPN) The Undervalued Cash Cow Your Portfolio Needs?
17 Jan 2026 Global Payments Inc. has been on a rollercoaster ride, and if you’ve been watching the ticker, you might be seeing a lot of red.Read more
Title: Market Sentiment Is Dead Wrong — Here's Why PSEC Deserves a Second Look
If one were to deep-dive this stock and do actual analysis, one would find this company is healthier than the majority of those offering stock. The "leader" has been at the helm for DECADES and has been doing nothing but buying his own stock- this is a "sleeper" of epic proportions...Read more
Buybacks, Cash Flow, and Growth Potential Amidst Rate Cuts
PayPal exhibits a robust financial position with a substantial cash reserve and consistent profitability. The company's strong balance sheet enables investments in growth initiatives, irrespective of the prevailing economic conditions.Read more
Synchrony Financial's Fair Value Heading to 105 in the Future
Current Market Price: ~$84.55 per share (Dec 2025) 1) Valuation Inputs & Model Overview (Your DCF/Excess-Returns) You’ve built a Discounted Cash Flow (Excess Returns) valuation using the following key inputs: Valuation Framework — Excess Returns Model Book Value (per share): $50.61 Stable ROE: 19.7% Cost of Equity (Discount Rate): 8.97% Perpetual Growth: 3.3% Excess Returns (ROE − Cost of Equity): (19.7% − 8.97%) × $50.61 = $5.42 per share Terminal Value of Excess Returns: $5.42 / (8.97% − 3.26%) = $94.84 Fair Value (Equity): Book Value + Terminal Excess Returns = $145.46 per share ➡️ Conclusion: Intrinsic value is ~$145.46 , which is ~41.9% above the current share price. This suggests the stock is significantly undervalued based on your model’s assumptions.Read more
Block is Set to Rebound from Regulatory Challenges with 6% Revenue Growth
Summary Block, Inc. is trading at ~16-17x earnings, well below its 12-month average of ~30x.Read more
DLocal's Future Looks Bright with 29x Future PE
The trading narrative for dLocal (DLO), based on the DCF Valuation - HatedMoats article, is that the stock is significantly undervalued. Key Trading Narrative Points: Verdict: Undervalued.Read more
Why I am evaluating JEPQ for long term income with monthly reinvestment
Thesis I am evaluating JPMorgan Nasdaq Equity Premium Income ETF (JEPQ) as a long term income holding. My goal is steady monthly distributions that I will reinvest to grow future income.Read more
Corpay's Revenue is Expected to Grow 13.78% as Future PE Rises to 19.56x
Corpay: A FinTech Powerhouse at a Bargain Price Corpay is a global leader in specialized B2B payment solutions. The company is rapidly evolving into a FinTech powerhouse, with its Corporate Payments division driving significant growth.Read more
Acquisitions Will Improve Efficiency and Add Immediate Value
Recent Mr. Cooper and Redfin acquisitions prop up the company to become a mortgage conglomerate. Users will be able to one-stop-shop for homes and mortgages through the Redfin or Rocket Mortgage apps.Read more
