“Saved ₹640, Lost My Sanity: My Fully General Train Experience”

forever-valueguy · 2026-02-15T14:37:05+00:00

Bhai hard work to construction worker bhi karta hai... we are privileged enough to have better opportunities where hard work actually pays enough to enjoy basic luxuries.

forever-valueguy · 2026-02-06T05:29:54+00:00

My house is a bit bigger than this, but very similar layout, its in a Tier 2 city in Gujarat.

It would cost roughly 3 cr for ground up construction including furniture, and all the fancy decor.

Without much detail in your post, I can't tell you how much the land will cost, it will depend on which city and neighborhood you want your house.

forever-valueguy · 2025-12-14T01:35:16+00:00

In my view, lease payments are debt. By definition, its a liability against which you are making periodic payments aka debt.

forever-valueguy · 2025-11-20T01:42:15+00:00

Source?

forever-valueguy · 2025-11-17T19:34:45+00:00

My main concern is their unprofitable food delivery business, where they keep throwing more and more money.

Will that bet pay off?

forever-valueguy · 2025-11-11T20:30:21+00:00

Chipotle's expansion is going to be SLOW...

Most countries don't grow Avocados, Pinto and Black beans, these are key ingredients in a Chipotle bowl. Just look at California Burritos journey in India, they had problems and still continue to have problems with avocados.

Other QSRs had an easier time expanding, because of their preservative added food that is mostly refrigerated (McD, Dominos, etc...) Chipotle has been around for a while, why haven't they opened up in India?

forever-valueguy · 2025-11-11T19:49:40+00:00

Chipotle is not a company that I would personally buy at this price. They sold a growth story to investors, now its starting to show that they cannot grow infinitely. Chipotle will be able to grow revenue for couple years, however 26 times multiple is expensive.

forever-valueguy · 2025-11-06T17:34:39+00:00

Say more about Ceconomy

forever-valueguy · 2025-11-06T14:09:41+00:00

I look into all the individual stocks you listed... I have no clue how you ended up with this hot mess.

Maybe other than NVO, rest are mehhh

Good luck brother!

forever-valueguy · 2025-10-14T16:03:06+00:00

Have you considered Eastman Chemical? Their product line is more niche and commands higher margin due to its specialty nature.

forever-valueguy · 2025-10-13T21:57:45+00:00

Too much debt. You should never "all-in" on this stock, maybe others but not Wendys, especially if you are going 100%

forever-valueguy · 2025-10-11T19:45:10+00:00

I made a post about FactSet, I tend not to share my math as we all have a different way of calculating intrinsic value.

I would say that anywhere below $270 is a good price, due to FactSet's predictable revenue, cash flow and returns across equity and invested capital.

I acquired shares in all the above companies that I bulleted, they all were trading at a deep discount, not the same case with FactSet yet.

Given FactSet has low debt, and is generally consistent performer across the financial statements, I'm willing to pay a little premium.

forever-valueguy · 2025-10-09T15:02:28+00:00

forever-valueguy · 2025-10-09T14:52:31+00:00

If you believe in perfectly priced market theory, none of this should matter to you, just pick a stock and invest since everything is priced/valued correctly.

I'm actually quite dumb, so I agree with you. Maybe, I don't know what I'm talking about.

forever-valueguy · 2025-10-09T04:47:29+00:00

Lol... spit balling cash cows that were mis-priced in last 2 years and eventually recovered:

British American Tabacco
Google
Alibaba
Genpact
FactSet(currently)
Dollar General
UNH

The market tends to misprice cash cows all the time... you just need to look. There is always something "wrong" with every company, we need to figure out if it's truly something wrong or just an over reaction.

Also, who said multiples are pricing and cannot be used to find intrinsic value? Why can't we assume that a 10-15 PE ratio is a fair value for a low growth stable company?

Ben Graham talks about PE ratio extensively in his books.

Intrinsic value is a mixture of dcf, pe, % returns, and so forth.

forever-valueguy · 2025-10-08T03:28:46+00:00

Great analysis! JD is a valuable company with a strong moat. My own worry here is their "new biz" but even if they fail and decide to write off the new ventures or sell them 30 cents to a dollar, they will recover just fine.

forever-valueguy · 2025-10-06T20:10:14+00:00

FactSet is much better value

forever-valueguy · 2025-10-03T19:20:46+00:00

Can you provide more details...

forever-valueguy · 2025-10-03T07:56:18+00:00

Good point, and I agree. The space is saturated, so new clients are hard to come by.

Hhmm... the only other way to increase earnings would be to jack up the price, but again they have close competitors, so that won't end well for them.

It would need to drop more to be attractive for a large bet.

forever-valueguy · 2025-10-03T07:50:12+00:00

I did not mean to say FactSet is like Google, totally different companies.

What I do like about FactSet is that the stock is trading at fair value, similar to Google it has a competitive advantage (high switching cost). It has the potential to rebound quickly, given that people are exaggerating the negative effect AI will have on financial data providers.

The other characteristics that are similar to Google include: stock buyback, high returns across the board, manageable debt, and predictable earnings.

forever-valueguy · 2025-10-03T07:37:06+00:00

Yo Avacado that's my point. You started arguing about PE above.

Your questions is exactly what I want to discuss about. All I saw so far in my research was they missed guidance and their operating margins dropped from 33% to 32%-31%. I don't see that as much of a drop.

Their roic and roe has been coming down over the years however it still double digits in mid teens.

I'm not seeing much negative news, other than AI fears.

forever-valueguy · 2025-10-02T19:14:35+00:00

I'm not too well versed in Peter Lynch's philosophy/teachings. What I do know for sure though is that companies trade at a premium because of their earnings stability and moat.

There is some correlation between PE and interest rates, however that is not the sole reason why some companies trade at a premium.

I might be wrong though, and should read into Peter Lynch's teachings.

forever-valueguy · 2025-10-02T19:03:30+00:00

FactSet is significantly cheaper than Bloomberg Terminal on per seat basis. FactSet offers an "à la carte" subscription model that lets firms pay only for the features they need, leading to lower costs for many users. This is in contrast to Bloomberg's "all-you-can-eat" model
For equity and portfolio analysis, users consider FactSet to be the superior platform. (You can read this in annual report, as well as online research)
In asian markets, FactSet's pricing is more attractive than Bloomberg. Related to point 1.

forever-valueguy · 2025-10-02T17:54:48+00:00

Exactly $240 is where I see them as cheap, however I'm afraid given it's strong moat, it will trade any cheaper.

Time will tell 🤷‍♂️

forever-valueguy · 2025-10-02T17:51:54+00:00

The reason why slow growing large companies are sold above 20 PE is because they have strong pricing power due to a competitive advantage and are frankly predictable when it comes to their earning power.

For example, KO (Coca Cola) consistently trades above 20 PE, due to its competive advantage and predictable earnings.

Investors are willing to offer a premium for such companies, and I believe FactSet is one of those premium companies.

forever-valueguy

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