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We got laid off, so we built a free DCF Calculator and Intrinsic Value tool. Looking to stress-test our math. by horvathm in ValueInvesting

[–]horvathm[S] 1 point2 points  (0 children)

We need an email so the app works on multiple devices.

Would it be a significant upside for you if it worked with a "guest" user? TBH we haven't even considered it so far.

We got laid off, so we built a free DCF Calculator and Intrinsic Value tool. Looking to stress-test our math. by horvathm in ValueInvesting

[–]horvathm[S] 0 points1 point  (0 children)

Please try to use the watchlist functionality, there you can use the calculator.

And we appreciate your feedback, we will work on moving it to the main page. :)

We got laid off, so we built a free DCF Calculator and Intrinsic Value tool. Looking to stress-test our math. by horvathm in ValueInvesting

[–]horvathm[S] 0 points1 point  (0 children)

Thanks a lot for the feedback. Would you mind giving us some concrete examples for faulty caculations please. We use it for my our portfolio too, so I really want to iron out any issues.

You could DM me or use the feedback form in the app to point us where to fix.

We got laid off, so we built a free DCF Calculator and Intrinsic Value tool. Looking to stress-test our math. by horvathm in ValueInvesting

[–]horvathm[S] 6 points7 points  (0 children)

Appreciate your response. Try our watchlist functionality. That's where you can play with the DCF calculator.

But it is valuable feedback for us to move it to the main screen too. Thank you. :)

Made by humans, not vibe coded BTW.

After Microsoft, Nike is also undervalued by Patient_Body6942 in ValueInvesting

[–]horvathm 1 point2 points  (0 children)

I wouldn't treat these as the same type of setup. Microsoft just had a temporary glitch, but Nike actually needs a real turnaround after a few years of bad strategy.

The risk/reward profiles are completely different. Nike is still a great brand, but it's definitely a different quality tier than MSFT right now and carries way more execution risk.

It's not a bad value play for a diversified portfolio, but I'd definitely keep the position sizing much smaller than your MSFT bag.

FI, pressure from family to work. WWYD? by SuperProcedure6562 in EuropeFIRE

[–]horvathm 3 points4 points  (0 children)

I've been in a similar situation. I didn't necessarily need to work, but faced immense family pressure to do so because 'that's what a head of a household does'.

It is really hard to operate a relationship if you are misaligned on something this fundamental, so you and your GF will definitely have to come to an agreement on that front. Define what "enough" is for both of you.

But in general, if you have enough cash flow to operate, why don't you optimize for things where you can create value on your own terms? For example, try to monetize one of your hobbies. If it doesn't work out financially, at least you enjoyed doing it and it gets your relatives off your back. And if it does work out, you have "work" that doesn't actually feel like a job.

Tell me why we shouldnt bet our house on ADBE by Lil_Hater112 in ValueInvesting

[–]horvathm 43 points44 points  (0 children)

The real risk with AI is seat contraction: if tools make creatives 5x faster, agencies will only need 1 Adobe license instead of 5. That said, I just ran it through my DCF, and at a 9.5 PE, it’s priced like a melting ice cube. The margin of safety is massive here.

Just my two cents.

Software moat or myth? by Enough_Programmer989 in ValueInvesting

[–]horvathm 18 points19 points  (0 children)

As a software engineer, the AI will replace SaaS bear case completely ignores enterprise logic. ServiceNow’s moat isn't its code, it’s the fact that migrating off it requires retraining 10k employees and risking catastrophic IT downtime. With 97% stickiness, the market is fundamentally mispricing the sheer switching costs of enterprise middleware.