$PayPal(PYPL)$   Hi and hi it has been awhile since i have done a post on a stock analysis. short summary of what i have been doing, if you look back in my post. myself have been refining on my stock evaluation excel. doing my best to make it a better tool in valuating a stock YES, you are right. i am a value investor, look towards a more long term play. If you are one of them welcome or had some set back in your investing journey do not worry i was once like you too. "Every investment is the present value of all future cash flow" Stock market have been rising and always will be on the long term, however on the short run individual stock will seem to good not to miss out during this period. On the short run a st

$Upstart Holdings, Inc.(UPST)$  Upstart Sets Pricing for $425 Million Offering of 1.00% Convertible Senior Notes Due 2030, with Notes Convertible at an Initial Rate of 10.8702 Shares per $1,000 Principal (Approximate Conversion Price of $91.99 per Share) UPST will be on fire on Wednesday with the conversion premium of 32.5% reference to the last closing price of $69.43  [Miser] [Miser] [Miser] 

$Spotify Technology S.A.(SPOT)$ reported Q3 earnings on November 12 that showed a significant earnings beat, driving shares up nearly 7% after hours.Spotify's market performance has been steady and strong in the global music and audio streaming market.Exceeding expectations performance boosted market confidenceTotal revenues of €3.99 billion, below analysts' expectations of €4.03 billion;Earnings per share (EPS) of $1.89, in line with Wall Street expectations;Monthly Active Users (MAUs): the number of monthly active users grew 11% year-over-year to 640 million, above market expectations;Premium subscribers: the number of premium subscribers grew 12% year-over-year to 252 million, above market expectations.Q3's financial results exceeded market exp

On Tuesday, Upstart Holdings, Inc. (NASDAQ: UPST) announced its plan to offer $425 million in Convertible Senior Notes due 2030, subject to market conditions. This private placement, aimed at qualified institutional buyers, includes an option for initial purchasers to buy an additional $75 million in notes within a 13-day period following issuance, bringing the potential total to $500 million. Announced pre-market, the notes will be senior unsecured obligations, with semi-annual interest payments and a maturity date of November 15, 2030, unless converted, repurchased, or redeemed earlier. They may be converted into cash, shares, or a combination, at Upstart’s discretion, with terms like interest rate and conversion rate to be set at pricing. This article is written by Shernice, if you like

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Very strong performance. Support Applovin

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$Zeta Global Holdings Corp.(ZETA)$ beat market expectations again in Q3 2024 and was volatile after hours, jumping 20% at one point before turning lower.The company's shares have risen about 303.4% since the beginning of the year, significantly outperforming $.SPX(.SPX)$ indexFinancial OverviewRevenue: total Q3 revenue was $268.3 million, up 42% year-over-year, and up 31% excluding political candidate revenueEarnings per share (EPS): the company reported EPS of $0.16, slightly below market expectations of $0.17;Adjusted EBITDA: Adjusted EBITDA was $53.6 million, an increase of 59% year-over-year, with an adjusted EBITDA margin of 20%, up from 17.9% a year ago[1][2].Net Loss: GAAP net loss was $17.4 millio

Growth vs Meme Stocks: What You Need to Know! In recent years, the world of investing has been introduced to some intriguing and sometimes puzzling trends. Two terms that often come up are “growth stocks” and “meme stocks.” While both can generate excitement and significant returns, they have distinct characteristics, risks, and appeal to different types of investors. Here’s what you need to know about growth and meme stocks to help you make informed investment decisions. What Are Growth Stocks? Growth stocks represent companies expected to grow faster than the overall market. These companies often reinvest profits back into the business rather than paying dividends to shareholders, as they focus on expanding and capturing market share. Think of tech giants like Apple, Amazon, or Tesla — c

Upstart’s 2021 revenue surge of 264% was driven by favorable conditions—low interest rates and a strong lending environment. However, as rates climbed over the next two years, lending slowed sharply. Partners pulled back, revenue slipped by 1% in 2022, and fell further by 39% in 2023, with adjusted EBITDA turning negative. For 2024, analysts forecast an 11% revenue increase, yet Upstart remains unprofitable. Following a 46% gain on Friday, some investors view these ongoing losses as a sell signal. This article is written by Shernice, if you like my article please hit the like button.  Still, focusing solely on short-term losses may overlook Upstart's larger trajectory. Over the past two years, Upstart has streamlined its operations, optimized its AI models, broadened funding sources,

I have never bought any meme stocks because I am a risk-averse investor who values stability and strong fundamentals over the high volatility that characterizes meme stocks. Meme stocks often attract widespread attention due to trends on social media and forums and sometimes political events, where retail investors rally around certain companies, creating sudden price spikes that are largely disconnected from the companies' actual financial performance. This dynamic introduces significant risk, as the price movements of meme stocks are often fueled more by hype and sentiment than by business fundamentals. In addition to their financial volatility, meme stocks are subject to various external factors that make them unpredictable and, in my view, overly speculative. For example, political a

Only growth stock. Not used to meme stock yet

So, here’s the thing. After Trump snagged the election, the U.S. stock market went into overdrive, hitting record highs. We’re seeing some pretty wild action with growth stocks like Applovin ( $AppLovin Corporation(APP)$ ), Upstart ( $Upstart Holdings, Inc.(UPST)$ ), and LYFT ( $Lyft, Inc.(LYFT)$ ) —these guys racked up single-day gains of over 20% just from their earnings reports. Crazy, right? But let’s not get carried away. These mega gains have that meme stock vibe, where everyone’s jumping in just because it’s trending, not necessarily because of solid fundamentals. Remember GameStop and AMC? Yeah, that kind of hype can be a double-edged sword. In a bull ma

Yesterday, against the backdrop of a new market high following Trump's election victory, several companies surged more than 20% in a single day after their earnings reports! Let's take a look at the outstanding performance of these growth stocks.1. $Lyft, Inc.(LYFT)$ jumps 22.85% yesterday, a year-to-date gain of 18.01%. The company’s turnaround plan pushed it to an all-time high.Adjusted EPS: $0.29 vs. $0.20 forecast (a 45% beat)Revenue: $1.5 billion, beating estimate of $1.4 billion. (a 7.14% beat)The ridesharing company posted a record 217 million rides, up 16% from the year-ago period and ahead of the 213 million rides expected. 2. $Under Armour Class A(UAA)$ jumped 27.2% yesterday, achieving a ye

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$Airbnb, Inc.(ABNB)$ has had a great after-hours, jumping more than 9% at one point after reporting Q3 earnings as it beat expectations for the period, only to give back all of its gains and fall slightly as guidance fell short of expectations.Earnings performanceTotal revenue: $3.7 billion, up 10% year-over-year, slightly ahead of expectations;Net profit: $1.4 billion, EPS of $2.13, slightly below market expectations of $2.16.EBITDA profit: $1.958 billion, beating expectations of $1.86 billion.Total bookings: reached $20.1 billion, up 10% year-over-year, beating market expectations of $19.8 billion;Booked nights and experiences: totaled 122.8 million, up 8% year-over-year.Free cash flow: at $1.1 billion, reflecting the company's strong cash gener