Alejandro Chavez

I make financial software and post about company fundamentals. Finance is better visually.

[Alejandro Chavez @aletechview]

@Dr_Crossroads Crazy! 😆

[Alejandro Chavez @aletechview]

$DELL Infrastructure Revenue, not bad!

[Alejandro Chavez @aletechview]

@Dubbiosismo Thanks for sharing.

[Alejandro Chavez @aletechview]

Bad $DLO eps print unfortunately, good revenue, but in this environment you miss by a little bit and you get destroyed. It is what it is.

I'm curious to see why they missed, gotta listen into the earnings call.

[Alejandro Chavez @aletechview]

@GunnerW77092164 Thanks 🙏

[Alejandro Chavez @aletechview]

$DLO TPV growth still strong

[Alejandro Chavez @aletechview]

$MU estimates have exploded every quarter for almost a year now.

Will this trend continue?

[Alejandro Chavez @aletechview]

$DLO is still the fastest growing publicly traded business in Latin America.

And by far one of the cheapest.

PE Ratio: 21
PEG Ratio: 0.92
Forward PE Ratio: 13
Price-To-FCF: 10
PS Ratio: 3.75

[Alejandro Chavez @aletechview]

$PYPL shares outstanding continue to decrease, buybacks are doing their thing.

The market continues to punish great earnings.

[Alejandro Chavez @aletechview]

Now you tell me this $SOFI print deserves a 12% correction on top of an already existing 50% correction?

This is crazy, buying $SOFI here.

[Micro2Macr0 @Micro2Macr0]

I think @ZETA is a is getting ready to explode higher if they report a solid earnings Thursday after the close.

[Alejandro Chavez @aletechview]

@Micro2Macr0 @RexehhBH @Zeta Thanks for the shoutout Jesse 🙏

[TJTheWheelDeal @TJTheWheelDeal]

$SOFI has done nothing but improve fundamentals since going public. So the question I’m always asked is why isn’t the price action responding accordingly?

It’s a fair question.

IMO the answer is actually very simple.

The float also changed and NOT for the better.

They went public with about 530M shares outstanding according to Super Grok. Now the float sits at about $1.28B

If you can’t understand how that makes it harder for share price to rise, I’m not the person that can help it make sense.

SOFI bulls rarely mention this aspect, but that doesn’t meant it didn’t happen.

Dilution has occurred as with most businesses that are up and coming.

The dilution has been substantial.

Smarter folks can maybe explain it better than I can.

[Alejandro Chavez @aletechview]

$SOFI short interest is on the rise again, not sure why but here we are.

[Alejandro Chavez @aletechview]

This is the kind of business I want to be invested in for the long term.

$DLO is still by far one of the best opportunities in the stock market today.

[Alejandro Chavez @aletechview]

@ConvictionLab yeah my bad, I confused them.

[Alejandro Chavez @aletechview]

@Peacock1947 Same.

[Alejandro Chavez @aletechview]

Believe it or not $DLO is just getting started. This will be the next winner out of Latin America.

[Alejandro Chavez @aletechview]

Good conservative analysis on $DLO 👇🏻

[Oliver | MMMT Wealth (CPA) @MMMTwealth]

I'm updating my assumptions on $DLO post earnings yesterday.

My previous basic (and conservative) assumptions give a 3.3x (see quoted post). I think that's too conservative.

TPV growth in FY26 is expected to be 55%. I originally said a CAGR of 25% was realistic which would get us to $100B TPV by 2030.

I think we should be looking at ~28% CAGR which gets us to $140.5B in TPV by 2030.

My original take rate was 2.5% in 2030. I think that remains fair. We can look more into this if I decide to get a lot more specific but there's so much back and forth on this. Likely we see take rates continue to decline a bit...before potentially stabilizing or expanding down the road but what exactly that number is I think is quite hard to gauge.

Conservatively, 2.3% is more than fair. If anything, it's probably too low.

2.3% take rate on $140.5B gives $3.23B in revenue in 2030.

FCF margins still are at 30% guided... so 30% on $3.23B in revs gives $969M in FCF (my previous assumptions gave $750M).

With a fairly conservative 15x FCF multiple on $969M you have a $14.5B valuation compared to a $3.37B valuation today.

Conservative? Maybe. Maybe not.
Unrealistic? Most definitely not.

[M. V. Cunha @mvcinvesting]

$DLO is still VERY cheap here.

Happy shareholder.