Global Community

ING, of course, is a bank; and banks don't like falling interest rates, right? For the dominant stream of income is their core business model, i.e. borrowing short-term and lending long-term, reaping the difference in interest rates in the process.

US$163.75

23.6% undervalued

12.00%

Revenue growth p.a.

New

ING Groep

PittTheYounger

Community Contributor

ING leads the pack when it comes to pivoting towards non-lending income

The supermarket chain Coles is the kind of “boring” business that may have been overlooked as an investment opportunity. Although it was divested from Wesfarmers in 2018, Coles’ heritage traces back to 1914 — giving it over 110 years of history.

€27.92

23.7% undervalued

9.00%

Revenue growth p.a.

New

Coles Group

Robbo

Community Contributor

Coles (ASX: COL): Safe, Steady, and Surprisingly Cheap

AU$22.00

4.3% undervalued

8.72%

Revenue growth p.a.

New

Load previous narratives

eHealth

Key Takeaways Unique carrier relationships, nationwide reach, and digital adoption enable eHealth to outperform peers in revenue, enrollment growth, and gross profit despite market volatility. AI-driven automation and process improvements are expected to significantly boost productivity, customer retention, net margins, and long-term earnings expansion.

Consensus Narrative from 4 Analysts

Aging Demographics And AI Will Transform Medicare Enrollment

US$12.00

71.4% undervalued

5.00%

Revenue growth p.a.

New

Japan Post Insurance

Key Takeaways Shrinking demographics, low interest rates, and scandals weigh on growth prospects, reduce revenue potential, and challenge profitability and customer trust. Increased digital competition and reliance on legacy channels force costly transformation, threatening market share and squeezing long-term margins.

Consensus Narrative from 9 Analysts

Aging Demographics And Fintech Rivalry Will Shrink Market Potential

Banca Monte dei Paschi di Siena

JP¥2.87k

45.7% overvalued

14.69%

Revenue growth p.a.

6 days ago

Key Takeaways Accelerated retail lending and ambitious acquisitions expose the bank to higher credit risk, operational complexity, and lasting pressure on asset quality and earnings stability. Persistent vulnerability to fintech competition and aggressive capital returns threaten fee income, financial flexibility, and the sustainability of traditional banking operations.

Consensus Narrative from 8 Analysts

Aging Demographics And Fintech Rivalry Will Cripple Profitability

€6.35

29.0% overvalued

3.46%

Revenue growth p.a.

6 days ago

Nerdy

Key Takeaways AI-powered product innovation and network effects are driving rapid user engagement, retention, and differentiated learning experiences, insulating future growth from competitive threats. Broad AI agent deployment and expanding institutional contracts are unlocking sustained cost efficiencies, operational leverage, and upside risk to current long-term growth forecasts.

Consensus Narrative from 6 Analysts

Advancements In AI Will Reshape Online Education And Lifelong Learning

US$3.00

57.7% undervalued

17.20%

Revenue growth p.a.

New

Rexel

Key Takeaways Increasing automation, digitalization, and direct purchasing channels threaten Rexel's traditional customer base, potentially reducing market share and pressuring top-line growth and margins. Heavy dependence on the cyclical construction sector and ongoing investment in digital transformation expose earnings to heightened volatility and risk of weak cash generation.

Consensus Narrative from 11 Analysts

Automation And E-Commerce Will Erode Traditional Construction Outlets

€20.13

38.1% overvalued

1.52%

Revenue growth p.a.

6 days ago

TrueCar

Key Takeaways TrueCar's investments in digital buying, AI, and data infrastructure are expected to accelerate revenue growth, expand margins, and create lasting competitive advantages. Diversification into wholesale, used vehicles, and new monetization channels strengthens recurring revenue and buffers against macroeconomic volatility.

Consensus Narrative from 5 Analysts

Digitalization And AI Data Will Expand Online Auto Marketplaces

US$3.25

42.5% undervalued

17.54%

Revenue growth p.a.

New

Buzzi

Key Takeaways Rising regulatory and carbon cost pressures, along with the shift to low-carbon alternatives, threaten profitability and sales volumes for traditional cement producers like Buzzi. Overcapacity, intense price competition, and weak demand in mature markets limit Buzzi's pricing power, cash flow, and potential for sustainable long-term growth.

Consensus Narrative from 12 Analysts

Heightened Regulations And Overcapacity Will Squeeze Profit Margins

€31.91

38.2% overvalued

2.51%

Revenue growth p.a.

6 days ago

Zalando

Key Takeaways Ecosystem expansion, acquisitions, and tech investments aim to boost margins, but profit growth is curtailed by weak demand, integration risks, and high operational costs. New sustainability initiatives and B2B ventures diversify revenue, yet heavy regulatory burdens, high return rates, and geographic concentration threaten earnings resilience.

Consensus Narrative from 24 Analysts

European Regulations And Competition Will Hamper Growth Yet Spur Efficiency

€26.18

11.7% undervalued

6.13%

Revenue growth p.a.

6 days ago

Backblaze

Key Takeaways Exceptional growth in AI-driven storage demand and large enterprise deals is set to transform revenue potential and exceed current analyst expectations. Backblaze's proprietary cost-efficient architecture and strategic integrations position it for expanding margins, strong market share gains, and broader platform monetization.

Consensus Narrative from 8 Analysts

Exponential Data And AI Will Reinforce Global Cloud Dominance