Cover Tech & Retail businesses + Trade Nifty + everything that's tradable. Tweets are my personal views.
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Feb 22, 2023 • 6 tweets • 1 min read
You can't declare GPT as a threat to IT unless you clearly understand what *generative* AI means. Before it comes to IT, a lot of professions are at risk that nobody is talking about. The GPT plugins integrate into VSCode, Eclipse & fastens the delivery process.
By nature it's *generative* while code can be generated, it has to be reconstructed nevertheless. Right now, GPT doesn't know when to declare a public variable & when private. The same applies to methods & classes unless instructed.
Jul 6, 2022 • 7 tweets • 2 min read
Got a DM asking why I don't like certain IT cos & like specifically where I am invested. Do I have a bias? Let me try to clarify in a few tweets. Not trying to make it into a boring thread, just a few points & perspective.
I am 37 & I am not investing for dividend play. So naturally I'd look for cos who are at the stars/mid of the exponential growth curve. I prefer captial appreciation over long period rather than dividend. The ones I hold will be dividend play cos once they grow over
Jun 12, 2022 • 9 tweets • 2 min read
Let me give some examples. 1. Subex - wrong acquisition, debt, capital restructuring mistakes & stock down forever since 2005. So many narratives float every bull cycle. Only to scoop new investors in.
2. Ramco systems - so called SAP & all ERP killer co killed itself due to over obsession with technical decisions that went wrong. CEO used to literally interfere database design. Made a complete mess.
Jan 14, 2022 • 32 tweets • 6 min read
So the next co we are going to look at is Mindtree. It is now an L&T group co & L&T is already sitting on a hefty gain since taking it over. The #mindtree business positioning still gives you Mr. Soota's touch.
* Industries & Domains
Mindtree operates into many industries & domains but they have broadly categorized industries into 4 segments.
- RCPG
- BFSI
- Travel & Health
- Communication & Media
Very clear segmentation but this has happened after L&T took it over.
Jan 5, 2022 • 9 tweets • 2 min read
#RateGain is the next one I am reading about since it is so called positioned as SaaS but I have got contradicting date which I haven't been able to evaluate yet on my own. I read the business update just now and following is my 1st assessment.
Good business update from #RateGain
Some top up topics here since there was very interesting conversation in the comments. Just want to bring that topic to the front. What is data assessment & prioritization? How does traditional vs new mobile n/w handle this ever rising need to prioritize the data?
Real-time analysis & prediction of certain kinds of data is getting more importance in communication between Machine to Machine. Let's refer that as M2M from now on. The M2M data is giving more imp. in certain application context than P2P (person to person)
Jan 3, 2022 • 44 tweets • 7 min read
OK here we go! Pl note that thread may be a bit technical, but I have tried to be as simple as I could. This is my own interpretation of the tech & where we are going with digital
Before we understand business of #tatacommunications, we have to understand some concepts without which we won't be able to appreciate the changes & improvements
Dec 31, 2021 • 23 tweets • 4 min read
We will look at the 4th company in this series today. It is a smallcap companies named #Zensar that has one hidden gem called ZenLabs! Read on.
* Industries & Domains - Hi-Tech & Manufacturing, BFSI, Retail & Consumer. Focused on industries they have been operating since long. Not trying to diversify.
Dec 29, 2021 • 66 tweets • 10 min read
So we are going to discuss a young digital co promoted by big names. The price has rallied exponentially & valuations are through the roof. This is an attempt to discover where the value lies & what's worth.
I have tried to be as balanced, neutral with my analysis as I could. Positive & Negatives, wherever applicable are duly presented. It is up to you to take this view or not. And pl, rising price can't ever justify lagging fundamentals.
Dec 28, 2021 • 40 tweets • 6 min read
The 3rd co that we are going to study today is a smallcap, although by definition it isn't a smallcap, but by operations it still is. This 🧵is even longer than previous ones. Here is one for #Mastek
* Industries & Domains - Public sector & Govt, Healthcare & Lifesciences, Retail & CPG, Manufacturing & Industrial, Financial Service. Public sector & Govt. is their strength amongst all other.
Dec 27, 2021 • 37 tweets • 7 min read
So the 2nd co we're going to study today is a small base, very aggressive, well positioned one. This one is going to be a long thread. Have a patient read! Here is - #Birlasoft
* Industries & Domains - Auto, Banking, High Tech, Manufacturing, Capital Markets, Insurance, Media & Ent, Energy, Life Sciences, Healthcare, Utilities
Dec 26, 2021 • 31 tweets • 6 min read
So the 1st co we are going to discuss today is one of the most technologically/foundationally strong company that's founder led, 1st generation promoter led IT company - Persistent #PersistentSystems
Banking, Financials, Insurance, Healthcare, Lifesciences, Industrial, Hi-Tech, Telecom, Media. Banking & Financials being a steady driver, while Lifesciences has been the alpha generator.
Sep 17, 2021 • 23 tweets • 4 min read
I have been wanting to pen this down since a while. I think this is right moment. I achieved FI long ago but 2020/2021 played a crucial role in achieving that multiplier effect. I have surpassed my initial FI goal by 5fold already.
I don't own a home. I never took any loans, I don't have credit cards. Since my first job, I was focused on building passive income sources & I knew it is going to take time. I think finally I have reached a place where these sources can take care of my living very well.
Aug 22, 2021 • 17 tweets • 5 min read
A thread of now tech is changing gears in banking & financial domain.
The banking is undergoing a tremendous change with the adoption of the technology. The business that's mainly run by legacy systems is now digitally transforming.
However, there is a catch. There are companies that offer digital transformation solutions to the legacy systems. Companies such as #IntellectDesign
Then there are digitally native banks such as #Kakaobank that's fully digital since inception.
Aug 20, 2021 • 7 tweets • 1 min read
Some very important, intangible, topics that investors rarely see.
1. Making money is secondary to ensuring you don't bleed out on drawdown phases.
2. If you get pushed down 30-40% in every phase from the cost, it means roughly you get pushed 12-18 months on your financial independence goal. If you get pushed like this often, you won't even realize when goalpost moved from 45y to 55y on your financial independence graph
Aug 12, 2021 • 19 tweets • 3 min read
Time to learn something new. Let's understand SaaS/Cloud Product valuation metrics, what matter most & what means what. Here it goes.
Churn Rate: A % of customers you are churning. Tracked both monthly & annually. A 5% churn rate means you are losing about 50% of your total customers every year, while new ones are coming in.
Jul 22, 2021 • 20 tweets • 3 min read
Let's try to understand why technology product companies have historically been non-sequential in QoQ growth. Some call it cyclicality, some called it nature of the business. I will try to clarify a few things in this thread.
To understand this, you have to look at how software as evolved over last decade or two. We have moved on from bulky software that needed on-premise installations to cloud today. Naturally, revenue realization practices have changed too.
Jul 20, 2021 • 23 tweets • 5 min read
Use of AI to predict trends isn't really new. However, many still question on how realistic AI can model the trend. Well, it depends on the algo of course. But something came up in my reading & I was intrigued to dig deeper! It is about #SHEIN
Ask any female if they have heard about an app called Shine, and the answer will be an instantaneous yes. The app has taken fashion world by storm & the infatuation is simply explosive. To be honest, I too know Shein, well of course, for obvious reasons 😄
Jul 15, 2021 • 25 tweets • 6 min read
A lot of you requested me to post a thread on #LTTS. I did not find time, neither had motivation to do since it is a complex business to cover via something like Twitter thread or even a newsletter. Here I am posting only some abridged views.
I hold Both #LTI & #LTTS from IPO. I am an ex-LT/LTI so have a bit of sneak peak into company as well. Last 2+ years have been terribly bad for LTTS. Not because they did something wrong, but because of external factors.
Jun 18, 2021 • 31 tweets • 7 min read
I did a thread on #Newgen already so if you are new to this space, pl go through previous thread before you continue with this one. Here it is -
I am super bullish on this space. We covered #Newgen & its context for growth previously, but the story is only emerging. There is not much coverage on the low-code space yet. People do understand tech/IT, but low-code is new to people in India, but globally it isn't the case.
Feb 28, 2021 • 6 tweets • 1 min read
Lot of folks asked me how to exit a commodity stock. Here is one small reckoner list: pl note these are not exhaustive reasons I exit a commodity stock.
1. Follow commodity prices on LME spot & future contract values 2. Usually, LME warehouse stock levels give you hints much in advance. If warehouse stock is rising then check two things - spot price & capacity coming on stream
