Loyd Holliman
3.8K posts
haha, could be. i kind of take their scale and platform dynamics for granted. i thought nothing of threads bc im an x power user but then i see all of my fb friends hopping on it (and they don’t use x). some posts even say threads have higher dau than x…? you have to use meta ai if you get their glasses, too. so if that picks up it’ll keep kind of funneling users in as a gateway into their ai app.
man the company seems toxic as hell but i still own shares right now..
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just saw 18 of my facebook friends recently joined meta ai… interesting
$meta
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You can see why ROE is important for @anthonynoto and $sofi.
*if* you want to value them based on book, which some would argue is worse than on earnings, here’s the general on correlating p/tbv multiple to ROE; the relationship is roughly linear.
ROE → P/TBV multiple:
•~8–10% ROE → 1.0–1.3x TBV (earning roughly cost of equity, no premium warranted). Examples: regional banks like Truist, US Bancorp in weaker years
•~10–12% ROE → 1.3–1.8x TBV. Most mid-tier banks live here
•~13–15% ROE → 1.8–2.5x TBV. JPMorgan trades in this zone (~17% ROE, ~2.2x TBV)
•~15–20% ROE → 2.5–4x TBV. Visa/Mastercard-adjacent financials, top-performing banks
•~20–30% ROE → 4–6x TBV. American Express (~30% ROE, ~5x book) *** SoFi Target ***
•~30%+ ROE → 6–10x+ TBV. Nu Holdings (~40% ROE, ~8x book), asset-light fintechs
Key modifiers:
•Growth pushes multiples higher at any ROE level (why Nu gets 8x vs AmEx at 5x despite similar ROE)
•Durability/consistency matters; one year of 20% ROE doesn’t earn a 4x multiple
•Revenue mix; fee-heavy businesses get higher multiples than NII-dependent ones because they’re less rate-sensitive
For SoFi specifically: if Noto delivers 20% ROE with 30% revenue growth, the comp set isn’t really traditional banks, it’s closer to Nu Holdings or early-stage AmEx. That could justify 4–6x TBV, or $40–60 on a $10 TBV/share (if they get there in a few years).
The market just needs to believe it’s sustainable before it pays that multiple and sofi needs to execute and hit their long term goals.
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The number one reason for marriages breaking up is money, not infidelity. One partner outspends the other. Then you get financial stress, then you get divorced. You put so much pressure on a marriage when you can’t pay your credit card off that you start to really dislike each other. It’s the beginning of the end and it’s stupid. Figure out who you’re marrying first. Make sure that you both have the same financial goals and that: she or he will not outspend you, that you both know what you’re doing every month, and you will live together happily forever. It’s all about the money. It always is, and people that say it isn’t are full of poo-poo.
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Once $SPCX IPO’s in the coming weeks/months, 150ish early employees will instantly be $100 millionaires. Yes, $100,000,000.00+.
Meanwhile I just had a Mrs. Fields cookie and went to my local Grocery Outlet to buy a 6 pack Pepsi on sale.
We are not the same. 😭
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sulfur dust. Tractor Supply.
Put a cup in an old sock. Tie sock off and beat your clothes and shoes and socks with it.
To create a tick-free area, use sulfur dust in a shaker bottle. Hold close to ground and shake. You will see the ticks leave. No joke. Been using this method since 1963 when fishing in tick infested areas.
Concerned Citizen@BGatesIsaPyscho
🇺🇸 Meanwhile in America “I won’t even sit down on a rock because the amount ***** Ticks everywhere - these guys will hunt you down” “No Alpha Gal syndrome yet, no Lyme Disease”
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Selling a few $NVDA CSP’s here for earnings.
Good move or bad move? Opinions?
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SEC.gov | Notice of Filing of Proposed Rule Change Amending Section 703.12(II) of the NYSE Listed Company Manual to Expand the Circumstances Under Which Rights May Be Listed on the NYSE sec.gov/rules-regulati…
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@paxtrader777 its doing that creep higher, this is unbearish
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Is anyone beside me and @chigrl paying attention to Dec CL??
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Wake up Canada
You are being robbed blind charging a problem that doesn't even exist.
wealthmoose@wealthmoose
🚨 Fraser Institute modeled Mark Carney’s industrial carbon tax increase. 🇨🇦 Results by 2030: 📍 50,000 jobs lost nationally 📍 10,400 jobs lost in Alberta alone 📍 Real GDP down 1.3% nationally 📍 Real GDP down 2.0% in Alberta 📍 Capital income falls 8.0% nationally 📍 10.8% in Alberta 📉 🇺🇸 USA industrial carbon tax: $0 And Carney calls this a competitive economy. 🙄🇨🇦 #CdnPoli #CarbonTax #MarkCarney
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@CHItrader @zerohedge @QTRResearch @WallStreetMav @WallStJesus @wallstengine @FedProm @amuse @zohmbastic @unusual_whales @OptionsGod1 @OMillionaires Thank you! Super weekend all!
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Welcome to Friday again you beautiful degenerates. Time to #FF some fellow hustlers who actually make this clown market tolerable:
@zerohedge
@QTRResearch
@WallStreetMav
@WallStJesus
@wallstengine
@FedProm
@amuse
@zohmbastic
@unusual_whales
@OptionsGod1
@OMillionaires
@OptionsHawk
@HappyBullTrader
@TopStockAlerts1
@chigrl
@PumpCapitalLLC
@nickshirleyy
@blondebroker1
@CramerTracker
@StealthQE4
@zohmbastic
@ZoZoStockwatch
@Mr_Derivatives
@EndWokeness
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Eleven years of suicidal ‘Net Zero’ lunacy and deliberately gutting Canada’s world-class oil & gas sector to appease globalist fanatics—and for what?
While China ramps up Alaskan crude imports to dodge Middle East chaos, Canada sits on its hands with stranded Alberta oil, killed pipelines, and vanished energy jobs. We could have been the reliable Pacific supplier in this deal, flooding our economy with billions and strengthening North American leverage.
Instead, virtue-signaling idiots turned us into energy beggars.
Absolute national self-sabotage.
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Loyd Holliman retweetledi
This is horrifying and every American needs to hear this
California resident exposes what’s really going on with Flock Cameras in America
“I want to be clear what these cameras actually are, and I say that with somebody with 20 years of experience in IT. I've served as the chief network architect for Fortune 500 companies, I've designed data centers, and today I work on cloud infrastructure for one of the largest loan origination companies in the country. I'm not speculating on how this technology works. I've read their patents and I know how it works.
Flock advertises these cameras as simple license plate readers. But their own patents tell a different story.
They're AI-powered surveillance machines that capture every passing vehicle and person and transmit that data to a private corporate cloud, making it queryable by a multitude of state and federal agencies. The city of Corona does not control that database, and Corona residents have no public record rights against a private company's servers. Our daily movements are being harvested by a $7.5 billion corporation, that only answers to venture capital investors, not to us. Flock did not reach that valuation on their per-camera subscription fees. That math doesn't add up
The city council should also understand who they're doing business with. Flock CEO was asked whether the company had any federal contracts. He said no. That was a lie.
Public records revealed that Flock had been secretly running a pilot program giving the US Border Patrol access to local police camera data without the knowledge of the cities that paid for the cameras.
Now consider who's behind the company and where your data flows. Flock integrates directly with Palantir, a data fusion platform, with a $30 million contract with ICE. Peter Thiel, the founder of Palantir, is also one of Flock's primary investors. These are not separate companies with separate agendas. They are connected actors that are building a connected infrastructure.
Palantir's own CEO stated publicly just this month that his technology is being used as a political instrument, designed to reduce the political power of certain voters. And that's the ecosystem that our Corona cameras are feeding into.
We're not anti-police at all. We're against mass surveillance of innocent residents by a company with a documented record of deception, built by investors with a stated political agenda. We're asking the City Council to start auditing the queries made against Flock's database, to disclose any data sharing agreements, and to take a vote to cancel the Flock safety contract”
I looked more into this and he is 100% right
Patents describe broader object detection, including tracking people and pedestrians, patents like US11416545B1. The system uses a centralized cloud database for nationwide queries
Data goes to Flock’s private cloud, AWS-based, encrypted. Nationwide lookup is common, 75%+ of customers are enrolled enabling cross-jurisdictional searches. Residents have no direct public records access to the corporate servers.
This creates a mass surveillance network feeding a private company’s infrastructure
If you ask me this is laying the infrastructure for a mass surveillance network in America. We are being lied to. Cancel all contracts nationwide
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I think the real issue here is national security. The #Chinese government would like nothing more than to shut down our compute capacity while they build up theirs. They can’t use #TikTok to influence anymore so they are using other platforms through proxies.
CNN@CNN
A group of rural Utah residents wants a chance to vote in November to oppose a massive AI data center development - the latest example of Americans resisting new data center projects over fears they'll disrupt the environment and their communities. cnn.it/4cYE4Bb
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