Gonçalo Fernandes

[Gonçalo Fernandes @reisada]

@maxkarpis @X SEND IT

[Gonçalo Fernandes @reisada]

3- Conversion Volume outside of S4 core markets = easier to underwrite expansion of payment rails to new markets.

This seems very underaprecciated..

Full integration should take some time and larger luxury chains are never an immediate conversion - but huge long term potential.

[Gonçalo Fernandes @reisada]

Shift4/Global Blue M&A - another layer in the Convergence of Software and Payments

Main Thesis on S4 M&A has always been to win backlog of payments volume in multiple different ways. ( as Payments alone should become commoditised in Developed Markets )

$four @rookisaacman

[Gonçalo Fernandes @reisada]

Integration of all systems should equal:
1- Great value/service proposition to convert existing GB merchant base into S4 acquiring

2- Great value/service proposition to win new merchants that do Tax Refunds outside of Global Blue

[Gonçalo Fernandes @reisada]

@nicochristie @AnthropicAI @tryshortcut Looking forward

[Gonçalo Fernandes @reisada]

@dirtygreenpaper @Ronaldo7trades Same store is declining for multiple quarters not one .

[Gonçalo Fernandes @reisada]

@uboat159 Thanks for sharing this

What’s your best estimate on terminal ebitda margin , assuming opex increases to support growth are stabilised?
What’s your 5y expected gross profit growth?

[Gonçalo Fernandes @reisada]

@realroseceline Yea was surprised only 5% of companies own it . Curious if any big players use their B2B product and may look at GMGI as a strategic acquisition

[Shift4 @Shift4]

Shift4 is now powering payments in Lesotho! 🌍

Our global footprint keeps growing—bringing secure, seamless commerce to businesses around the world.

#BoldlyForward

[Jack Zhang @awxjack]

Investors keep asking me about stablecoin, and how that can reduce FX fees; if you send money from USD to EUR, and the receiving end still requires to receive EUR in their bank, I can’t see any ways stablecoin can reduce fees - off ramping from stablecoin to recipient currency are far more expensive than the FX interbank market.

[Felix Hamer • electricfelix @electricfelix]

Deutschland
€20K now buys you 30 kWh 🔋
65kW DC charging tops

Hello BYD Dolphin Surf 🇩🇪
#alwaysbecharging
⚡️⚡️⚡️
@VLOelmann 📸

@tphuang @TaylorOgan

[Jack puludon @Jackpuludon]

BYDの収益性を心配する必要はありません！
解釈: 数年連続、BYDの研究開発費は純利益より高い。
2024年、BYD純利益8300億、研究開発費10600億円

一番重要なのは、BYDの開発費償却方法は一括費用処理。
開発費を発生年度の費用として計上、年度の利益は大幅に減少します。

[tphuang @tphuang]

BYD earnings result:
4.272m 2024 delivery, 1.524m in Q4
777B RMB revenue (up 29% YoY)
19.4% gross margin (up 0.9pp YoY)
54.2B R&D (up 35.7% YoY)
40.25B Net Profit (up 34% YoY)
Cash on hand 154.9B
To pay cash dividend of 39.74 RMB/10 shares
Pretty good numbers imo

[Gonçalo Fernandes @reisada]

@GhostGaming_OF @Denza_europe Car likely to be announced on EU auto shows middle of this year

[tphuang @tphuang]

BYD officially announce unveiling of its new ePlatform on the 17th for Han L & Tang L pre-sale.
MEGA & its "5C" charging is so last yr
Apparently, ppl have tested Han L fast charging from 10 to 100% in 9 min. Which works out to be avg 6C charging including the last 20%.

[Gonçalo Fernandes @reisada]

@ALLKAResearch Was expecting stronger ‘25 guidance

[Gonçalo Fernandes @reisada]

@dunne_insights Was the ‘25 forecast mentioned somewhere?