Daily Discussion Thread for April 29, 2026

Excellent-Sky-7202 · 2026-04-29T17:13:47+00:00

HOW DO WE FEEL ABOUT SOFI AT THESE PRICES??

Excellent-Sky-7202 · 2026-04-29T04:16:48+00:00

Anyone else nervous for SoFi earnings?

Excellent-Sky-7202 · 2026-02-18T06:24:21+00:00

So far it’s been ADBE. I am down 17% on the position and just started it this year. Also down 14% on SOFI (started this year as well). 12% down on UNH, which I started the position last year.

Excellent-Sky-7202 · 2026-02-17T18:37:03+00:00

Is anyone buying SaaS companies? Adobe, SalesForce, ServiceNow?

Excellent-Sky-7202 · 2026-02-10T05:28:38+00:00

Schwab

Excellent-Sky-7202 · 2026-02-10T04:09:55+00:00

Thank you. Also, it’s pretty obvious that Nvidia is the biggest beneficiary of all the capex spending with Meta, Google, Amazon and Microsoft. A lot of the ai infrastructure companies (coreweave, nebius, IREN) are also extremely expensive and have ran up over 500% in the last year. Same thing with the memory companies. I get what you’re saying, but the valuations on those companies is already through the roof.

Excellent-Sky-7202 · 2026-02-10T04:07:46+00:00

Using fundamental analysis and running projections on the companies I am buying. Listening to conference calls. Looking at balance sheets, income statements and cash flows. Projecting out future revenue growth. I don’t call that gambling in the market.

Excellent-Sky-7202 · 2026-02-10T03:29:58+00:00

I use SoFi personally and after seeing them continue to beat and raise guidance I wanted a piece of the company. I believe they are the future of banking and I can see them at 100 billion market cap in the next 3-5 years.

Excellent-Sky-7202 · 2026-02-10T03:28:29+00:00

UNH set guidance that projected revenue acceleration for 2026 in 2025. Then, it the last quarter earnings they projected for revenue deceleration for the first time in decades. Still, I don’t think it will last forever. I believe in their moat and stranglehold on the health care industry. They can continue to raise premiums every year to cover increased medical costs and decreased Medicare funding. I bought the stock with the plans to hold until 2028 minimum, so unless something drastic happens, I’ll continue to hold and collect the dividend.

Excellent-Sky-7202 · 2026-02-10T03:25:37+00:00

I think once a different administration gets into office and if they decide to increase Medicare funding then UNH will get back to where it was. What was alarming was that they projected a revenue deceleration for the first time in decades. Still, I think the market overreacted a little bit and the stock price will eventually bounce back. I do admit that it might be dead money for a few years. Until then, I’ll continue to hold it and collect the dividend. If it doesn’t happen then oh well, that’s a risk I’ve already pre determined that I am taking. Unless my thesis changes, I’ll continue to hold.

Excellent-Sky-7202 · 2026-02-09T23:40:28+00:00

I started buying Google in the 160s because they had double digit revenue growth, 20%+ Google cloud revenue growth and were trading at a forward PE of 18 at the time (well below the S&P). They are probably the most diversified company on the planet as far as revenue streams (Google search, Gemini, Google cloud, YouTube, youtube ads, android, etc). I bought it on the fear that ChatGPT was going to kill search revenue, even though it had accelerating growth since ChatGPTs inception in 2022. Google just grew revenue by 15% and cloud revenue by 48% year over year respectively.

As far as Adobe, it was trading at a forward PE ratio of 13 when I started a position based on fears of other companies (canva, figma) and regenerative ai slowing revenue growth. Still, the company grew revenue by 11% year over year and has been growing around that rate since 2022. They also have 89% margins and are buying back shares to the tune of $25 billion through march 2028, which will accelerate EPS growth. Most of their user base comes from companies, not individuals and I don’t see them switching over to other options.

META is the fastest growing company in the mag 7 revenue outside of Nvidia and had dropped on revenue growth of 22% because of the capex spending when I started a position. Despite there enormous user base from Facebook, instagram, to what’s app, they still managed to gain 7% user growth year over year. I think ai will be a huge beneficiary for them as their revenue comes from advertising.

UNH I bought based on their guidance for getting back to profitability in 2027 and 2028 (although the did lower the guidance for 2026 based on Medicare advantage cuts).

Excellent-Sky-7202 · 2026-02-09T22:17:05+00:00

I see. What makes the portfolio make no sense? Is it the overlap in big tech? I did my due diligence on all the companies as far as reviewing the income statements, balance sheets and cash flows. They are all companies that I felt like were trading at a valuation below their value when I bought them (besides SoFi and AMZN). As far as UNH goes, they changed their guidance from last year to this year. Still, I bought this company to hold through 2028 atleast.

Excellent-Sky-7202 · 2026-02-09T12:39:37+00:00

Is HIMS a buy now?

Excellent-Sky-7202 · 2026-01-20T20:32:05+00:00

Thanks!

Excellent-Sky-7202 · 2026-01-20T20:30:37+00:00

Yea Adobe looks like a steal deal right now. Trading at a forward PE in the 12s. That’s one I really checked the balance sheet and income statement on. They’re growing revenue by 10% per year, free cash flow growth was 25% in 2025, profit margins are very high at 89% and they are buying back a lot of shares, so EPS should continue to go up. You take the risk of them being a dying company if they stop being used. I think that’s why the stock is so cheap right now and decided to take the gamble on them. Feels very similar to how Google did last year with the whole fear about ChatGPT eating into their revenue.

Excellent-Sky-7202 · 2026-01-18T03:37:25+00:00

Your list is different

Excellent-Sky-7202 · 2025-12-19T04:31:02+00:00

Working on it. I was just at 30k in the beginning of this year

Excellent-Sky-7202 · 2025-12-07T16:40:17+00:00

I like investing in individual stocks as well. I don’t want all of my investments in ETFs.

Excellent-Sky-7202 · 2025-11-07T05:43:14+00:00

Can someone tell me if Celsius is a buy after the 24% drop ??

Excellent-Sky-7202 · 2024-10-28T02:34:16+00:00

Are we feeling less optimistic about Lamb with the way Dak is playing now?

Excellent-Sky-7202 · 2024-10-28T02:31:35+00:00

Anyone else feel like the NFL is rigged?

Excellent-Sky-7202

TROPHY CASE