Ram Bhupatiraju Profile picture
Aug 26, 2020 9 tweets 5 min read Read on X
Excellent 7 part series on Digital Payments by @WilliamBlair (Pt 6/7 not out yet). 👏

Reminded me again why I love this space & will for a long time to come.

@TMFJMo @Matt_Cochrane7 @IntrinsicInv @FromValue @saxena_puru @dannyvena @BluegrassCap

1. blog.williamblairfunds.com/daniel-hill/wh… Image
The many drivers for sustained long-term growth in Digital Payments.

✅A shift away from cash
✅Growth of e-commerce
✅Usage by small and midsize businesses (SMBs)
✅Under-penetration in international markets
✅Government support Image
Clear illustrations, explanations of the typical (US) transaction and the parties involved. ImageImage
2. Five Factors Driving Digital Payments Growth ⬇️

blog.williamblairfunds.com/daniel-hill/5-…
3. Disruption and Growth in Digital Payments ⬇️

blog.williamblairfunds.com/daniel-hill/di…
4. Follow the Money in Digital Payments ⬇️

blog.williamblairfunds.com/daniel-hill/fo…
5. More Competition for Merchant Acquirers ⬇️

blog.williamblairfunds.com/daniel-hill/mo…
How Merchant Acquirers add Value

✅Enhanced fraud prevention
✅Increased acceptance rates
✅More sophisticated targeted marketing
✅Improved Omni-channel experiences.

Attractiveness scale of Clients for Merchant Acquirers (for growth). Image
The #WarOnCash is so real, and still in the early innings.

Disc:
Positions :
Wish/Watch list :

/END

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More from @RamBhupatiraju

Oct 18
Happy to share that Intuitive Surgical $ISRG finally became a 5⃣0⃣ bagger for me as of today (first tranche bought at the depths of GFC in March'09). The next two tranches from Nov'10 and May'14 also did their thing being 10+ baggers. Image
After $LULU did it's 100 bagger for me back in 2021 this is the next one to hit 50+ milestone.

Peter Lynch was right. Regular folks can achieve (but can't plan) for these, with some common sense investing + lot of patience when thesis is on track + even bigger amounts of luck.
@DavidGFool I gotta thank whoever was writing the free articles about $ISRG back during GFC on @themotleyfool 👏, as I would not have known about the company so early otherwise.
Read 10 tweets
Jan 20, 2023
Still here.🙋‍♂️Just got busy with some non-investing aspects of my life over the last few months.

As painful as 2022 was, it also gave me an oppty to slowly add to existing or new pos at prices I expect to fondly look back on few yrs down the lane.

Few examples (not recs) ⬇️
$MDB : Before the crash, it was X shares at avg price of $208. Now it's 5X shares at avg price of $226

$AXON : Started in 2022 with multiple adds, with current avg of $120

$ALGN : Before the crash, it was X shares at avg price of $210. Now it's 2.5X shares at avg price of $222
$MELI : Added at $680, first add to the position since 2014.

$META : Added at $92, first add to the position since 2016.

$AMZN : Added at $95, first add to the position since 2018.
Read 11 tweets
Nov 17, 2022
"Advanced Financial Statement Analysis" - Excellent document by Investopedia that's equally useful for beginners and experienced investors.

@dmuthuk @Gautam__Baid @saxena_puru

Some of my fav sections in the thread below⬇️

grahamanddoddsville.net/wordpress/File…
How Capital flows thru the Business⬇️
Basics of Cash Flow activities ⬇️
Read 9 tweets
Oct 6, 2022
Good doc by PWC on "Basic understanding of a company's Financial statements". Useful stuff for beginners.

pwc.com/jm/en/research…
Few important slides from Balance sheet
Income Statement ⬇️
Read 6 tweets
Sep 30, 2022
Excellent document on Behavioral Finance that I often refer to.

tilsonfunds.com/TilsonBehavior…

Common Mistakes ⬇️
Some very useful tips on how to use Behavioral Finance to improve your process and results. ⬇️
List of good books on the topic. ⬇️
Read 4 tweets
Sep 22, 2022
Slowly setting my cash on fire again this week.

Small adds to existing pos
$META (Social is done)
$NOW (Who needs IT monitoring anyway?)
$ALGN (Everyone from now one will have perfectly aligned teeth)
$SQ (hey guys, focus plz, actually)
$MDB (Recession will kill need for DBs).
Kidding aside, the next few qtrs are highly uncertain from a lot of aspects, but not all Cos are the same when it comes to credit dependence for capital stack/customer demand...
..cyclicality and severity of business impact during an actual recession, runway for core growth post any recession, ability to use this period to acquire smaller competitors etc.
Read 7 tweets

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