FintechX

OPEN LETTER: THE LAST STAND FOR $PYPL To: @EnriqueJLores, @PayPal & the Board CC: @AskPayPal, @PayPalNews The market has spent two years in a historic bull run. Yet, on February 4, $PYPL has been thrashed, losing 20%+ of its value following a total vote of NO CONFIDENCE from the Street. Hedge funds have ditched, institutions have pushed the stock to a single-digit P/E, and your most loyal retail investors have finally walked away after years of broken promises and "Year of Efficiency" cover-ups. Enrique, as you step in on March 1, you inherit a credibility crisis. You must choose: manage a slow decline, or lead a radical purge. 1. STRATEGIC SHIFT: AGENT CERTAINTY OVER CONSUMER CHOICE Stop trying to win a "UX War" that is already over. • The Reality: Agents don’t care about brand affinity, UX delight, or "pretty buttons." • The Pivot: Stop optimizing for Consumer Choice. Start optimizing for Agent Certainty. • The Needs: Agents care about Finality, Indemnification, Identity, and Uptime. PayPal must become the Compliance Walled Garden for the AI economy. 2. CULTURAL PURGE: END THE "TALK" ERA • The Problem: Velocity is "damn bad." The org is paralyzed by middle management and internal politics. • The Move: A 50%+ reduction in force. Replace the old guard with hungry, AI-native graduates who ship code, not slide decks. • The AI Mandate: 60%+ of all code must be AI-written. Move at the speed of the agents we serve. 3. MAINTENANCE MODE FOR THE LEGACY PORTFOLIO • Stop the Bleed: Stop wasting R&D dollars trying to "fix" Branded checkout or Braintree. Put them on Maintenance Mode. • Data as Oil: Use Braintree’s trillions of data points to train the risk models required for Agent Indemnification. You cannot insure AI spend without the data moat we already own. 4. THE DEFINING BET: AGENTIC COMMERCE & PYUSD • Instant Finality: Agents cannot wait for T+2. Transition PYUSD into the mandatory programmable rail for all high-frequency commerce. • Direct-to-Origin: Use the Cymbio acquisition to kill the middleman. Build the plumbing where a buyer’s agent talks directly to a factory agent. RESPONSE TO THE CRITICS: To David Marcus and the "Nostalgia" camp: Look at the $2.5B+ monthly volume on Solana. The market is choosing speed over legacy. Enrique, your "Instant Ink" success at HP is the exact blueprint for the autonomous, agentic plumbing PayPal must become. THE BOTTOM LINE: You have missed the greatest bull market while polishing legacy buttons. Stop chasing merchants. Build the foundational rail for the Agentic Era. Lead the next chapter or become a case study in stagnation. 📉 #PYPL #Fintech #AI #AgenticCommerce #PYUSD #EnriqueLores #Cymbio

@StockSavvyShay @fiscal_ai Your Short position is in underwater? His pas t missteps does not define future!

Remarkable that it took Evan over a decade to produce one profitable quarter at $SNAP. Even more remarkable for a company that hasn't grown revenue more than 20% since 2021.

@StockSavvyShay How about $PLTR?

Nobody wants to live on SaaS Ave in 2026 Drawdown from highs: • $AMPL −93% • $U −89% • $PATH −88% • $TEAM −87% • $MNDY −86% • $GTLB −85% • $FIG −84% • $HUBS −75% • $ESTC −75% • $ADBE −66% • $ZS −65% • $WDAY −62% • $NOW −60% • $ZETA −60% • $CRM −54%

They can leverage those learnings and their data with AI to create an unbeatable experience beyond what regular AI models can do. People are underestimating this badly. Loading $DUOL

come from tutoring and other extensive manual work. It was also hard to scale or support multiple languages. With AI, all of that becomes incredibly easy. They already have users and unique data about user behavior, and they know exactly where humans need help $DUOL.

I initially thought AI models could do everything that Duolingo does $DUOL, making language apps unnecessary. But then I looked at it from another angle and realized they could actually be one of the biggest beneficiaries of the AI evolution. Their operating costs used to..

Some thoughts on Snap: savesnapnow.com

Bro, $MSFT has everything it needs to pivot to AI-first without being reliant on a soon-to-be obsolete GPT. It has the data, budget, compute power, influence, and distribution. It can still achieve a top-3 position, but it needs to act now. Every day it waits, it gets late, Its high-margin software business is likely to be eaten by better models sooner rather than later.

Just a fun little reminder... $MSFT $NVDA $AMZN Anthropic... If anyone thinks $MSFT and $NVDA aren't on sale right now... please watch the following video and tell me why... youtu.be/bl7vHnOgEg0?si…

$SNAP

Your gpt prompt needs improvement.. here are the truth.. You’re looking at a backward-facing snapshot and missing the massive structural shift. You’re pricing $SNAP like a dying ad-tech company instead of a massive distribution network aggressively expanding margins. Here is the actual math: • The Valuation: You call it a $7.5B business but ignore the $2.9B in pure cash. The actual enterprise value is peanuts. The free float is effectively ~$4B. • The FCF Slingshot: By capping free storage, they execute an immediate nuke to AWS/GCP cloud costs while forcing heavy users into high-margin subscriptions. • Dilution Bypass: Spinning out Specs Inc. removes the massive hardware R&D furnace and shifts that specific headcount/SBC off the main books. Combine that with core headcount cuts, and operating costs are plummeting. • SaaS Juggernaut: They crossed $1B in ARR from subscriptions (+60%). A pure $1B SaaS engine alone is worth $8B–$10B. The market is literally valuing their 900M+ users and the entire ad business at $0. • Ads & AI: Ads are stabilizing and growing. Add the Perplexity AI partnership (massive cash/equity for distribution), and they are perfectly positioned to monetize their demographic access. • The Ultimate Buyback: With margins improving, positive EBITDA, slashed cloud costs, and AI cash hitting the books, projected FCF is marching toward $1B+. When a company has a $4B free float, $2.9B in the bank, and is projecting toward $1B FCF, the math is simple. If the market doesn't reprice them, they will generate enough cash to literally buy back the entire free float in a few years. Execution risk is always there, but at $3.99, the risk is completely asymmetric to the upside. You are shorting a 10X compounder wearing a turnaround disguise.

@value_invest01 I don't understand why people throw around random GPT hallucinations if they aren't even invested. $SNAP

🚨 $SNAP at $3.99 looks cheap, but the metrics don’t fully support a strong buy. Here’s the 3-metric view: 1. Owner earnings: FCF turned positive ($206M Q4). Cash flow is improving with cost cuts + Snapchat+. But still modest for a $7.5B business. 2. Growth: 2025 revenue $5.9B (+11%). Q1 guide = flat to low growth. DAUs soft. Subscriptions growing fast (+62%), but ads still under pressure vs $META + TikTok. 3. Margins: EBITDA 21% in Q4. First net income quarter in years. Clear improvement, but not fully scaled yet. What it means: This is a turnaround, not a compounder. At $3.99 : • Base case: ~$5–$7 • Bull case: $8–$10+ • Bear case: $2–$4 Not broken, but not clearly mispriced either. Execution risk is still high, and growth isn’t strong enough yet. I would avoid $SNAP as of now.

$SNAP $META $GOOGL $GOOG $AAPL It’s an open secret at this point: The EU’s tech sector is dying. Because they can’t innovate, these crooks have built a business model entirely around finding new ways to fine American tech companies just to keep their own lights on. ​Worse, the market manipulation is glaring. They know they can simply announce a vague "investigation" into a US company, let the headline pressure trigger unjust algorithmic selloffs, and crush the equity. Are these officials directly or indirectly profiting from the short side? The @SECGov needs to investigate these conveniently timed regulatory attacks. ​US companies are now paying these regulators more in fines and compliance costs than they can even make in profit serving the EU market. Stop weaponizing your user base to cover up your own total technological incompetence.

$SNAP Remember that $2.9 billion cash war chest Snap is sitting on? We are rapidly approaching a mathematical anomaly. If this selloff continues much further, the market will literally be valuing Snap's entire operating business—the 946 million users, the $1 billion subscription ARR, and the core ad network—at close to zero. The free float is getting dangerously close to trading at the literal value of the cash in their checking account. This is the definition of maximum capitulation. The rubber band isn't just stretched; it is practically snapping under the weight of forced liquidations.

@GabeTheBabe66 Please scroll through my post if you want to understand why every bear case is trash. If you have any other valid points, show your puts. $SNAP

@Web_Devepoler Dead money stock is cooked management BLOWS no positive catalysts in the upcoming future. 0 word from anyone at the company. Trash

$SNAP When a stock enters an "air pocket" with no historical chart support, algorithms and short sellers will aggressively push it as low as they possibly can to trigger the absolute last remaining stop-losses and margin calls. They want to shake every last weak hand out of the float before the reversal. HODL

$SNAP ​It is incredibly painful to hold through, but this is exactly how a 10X coiled spring is built. They are stretching the rubber band to the absolute breaking point. If Evan Spicer's $500 million corporate buyback algorithm is sitting on the bid down here at $4.25, they are quietly retiring a massive percentage of that $4.7 billion float for pennies on the dollar. HODL

@fgthiel Buyback now to completely eliminate the crooks!

The $MARA short thesis is mathematically broken, even with $BTC dipping today. 🤡👇 🚨 Post-Debt Buyback Math: 💰 New BTC Vault (~40.3k coins @ $69.4k): $2.79B 💵 New Cash on Hand: ~$734M 🏦 Total Liquid Assets: $3.52B 📉 New Total Debt: $2.64B (Slashed by 30%!) 🟢 Net Liquid Surplus: +$880 Million

$MBLY CEO got rich while crooks are punishing shareholders. What a pathetic show. Wake the fuck up!!

Buyback shares $MBLY