FISV

$FISV Bought 1600 shares @ 48. Will buy more @ 47 and @ 46. I wish we'll get there.

$FISV this garbage is still way too overvalued

$FISV Look, you use easily refutable assumptions for your so-called DCF, which isn't DCF but a jumble of inputs to make the value come out whatever you want to be. What is your CoD, CoE and the debt structure. You can't even do that properly. What are terminal margin assumptions? Look, there is a reason why an imbecile like you should look at SA's multiples: see those forward PEs? The market is not assigning fintech cos. like FISV terminal values. You see how low those numbers are: those are the multiples of software companies facing obsolescence in 3-5 years or telecom cos. facing 5-year phase outs. When a drooling retard like you do DCFs, you assume that a company can exist forever. FISV faces real prospects of disintermediation that could make them irrelevant in 3-5 years. Here's what you do, moron. Apply a market obsolescence curve to your FCF from 2027 onward. Keep it simple and assume straight-line obsolescence. What is your value? It should be at least 50% less than the original

$FISV you’re completely confused by cyclical rotations - which is also hilarious . I guess you sold tech and software in 2025 too. Where do these rookie investors spawn from ? Valuations are undefeated , your name is a complete misnomer.

$FISV so basically you repeat the key assumptions I just gave you and then say I don’t understand how important they are 😂 Then you dont provide a rebuttal to factual have dcf models and provide no details on multiples or competitor comparisons to those . So to sum it up , you said a whole bunch of nothing . Looks like you’re better at trolling than actual valuations

$FISV Look, retard, you're talking out of your ass. You don't know how to use DCF and you never will. If you've ever done one, you would know that the growth rates, margins and terminal assumptions all impact the value. Just stick to near-term multiples like 2026E EBITDA or 2027E EBITDA. But then you don't even know how to do that properly. So just shut up and examine the multiples given to you by Seeking Alpha. I already posted here how low the multiples are: when the near-term estimated EBITDA and PE multipes are that low, there is something wrong with the industry and the market is skeptical of not only FISV's specific issues, which are myriad, but the growth prospects of the fintech industry as a whole. You'll never get that by applying the 6% YOY growth rate and margin expansions.

$FISV Look, retard, the oil-related inflation is seen as transitory. That's why the advent of rate cuts would be sooner than you would think. The market is seeing ahead of this transitory phase and focusing on the lower neutral rate under the Warsh regime. That's why housing-related and rate cut stocks like homebuilders, home retail & even furniture stocks have seen recent rallies. Of course, you wouldn't know that. That's why you're always one step behind and always end up holding the bag.

$FISV looking fun here . Over 47.30 all is okay