$RELY is an underfollowed, underappreciated, and undervalued hypergrowth fintech company.

🧵 Here are 8 reasons why I've added it to my portfolio 👇🏻 1) Disrupting Traditional Remittance

In a nutshell, $RELY is a digital remittance company. It offers cross-border financial services via its user-friendly mobile app.

$RELY offers superior value compared to traditional remittance providers like legacy banks and $WU:
- it's cheaper
- it's transparent
- it's simpler
- it's faster
- it's completely digital
- it's more flexible

Over the last 14 years, $RELY has built a vertically-integrated cross-border payment infrastructure that supports money movement across:
- 5,200+ corridors
- 170+ countries
- 100+ currencies
- 470K+ cash pick up locations
- 5B+ bank accounts and mobile wallets

In addition, it is one of the most trusted brands for international money transfers, with 2.5M app reviews and a 4.8/5.0 app rating across iOS and Android users.

And because of its all-digital construct, $RELY also operates a low-cost, capital-light business model, thus having a cost advantage over incumbents.

In short, through its superior value proposition, vertically-integrated platform, and trusted brand, $RELY is essentially disrupting traditional remittance providers.

Just look at the Revenue chart of $RELY and $WU — it perfectly illustrates this ongoing disruption.

$ZETA's Q2 was a homerun. Period.

The stock exploded 27% in a single trading day.

In short, there’s A LOT to like about its recent results.

🧵 Let me break it down for you: 1) 16th Straight “Beat and Raise” Quarter

Aside from a tiny miss on Q3 Adjusted EBITDA Margin guidance, $ZETA basically destroyed analysts’ estimates across virtually every single metric. Just look at the table below.

In addition, management raised their full-year guidance more than the Q2 beat, a reflection of strong demand and operating leverage (more on guidance later).

$GRAB might just be one of the most compelling investment opportunities today — especially for those seeking exposure to Asian equities.

🧵 Here's an overview of my investment thesis: 1) The Leading Superapp in Southeast Asia

$GRAB is by far the largest superapp in Southeast Asia, providing delivery, mobility, and financial services to millions of consumers, merchants, and drivers across 800+ cities in eight countries.

At a high level, $GRAB offers three main services:

Deliveries: $GRAB offers on-demand delivery services for food (GrabFood), groceries (GrabMart), and packages (GrabExpress). $GRAB also operates grocery chains Jaya Grocer and Everrise in Malaysia, enhancing its GrabMart offering.

Mobility: $GRAB offers various ride-hailing services, including private cars (GrabCar), taxis (GrabTaxi), and motorcycles (GrabBike). The company has also just launched GrabCab in Singapore, becoming the sixth taxi operator in the country.

Financial Services: Through its superapp, $GRAB offers digital financial services such as payment (GrabPay), BNPL (PayLater), insurance (GrabInsure), and rewards (GrabRewards). Independent of the superapp, $GRAB also operates three digital banks, namely GXS Bank in Singapore, GXBank in Malaysia, and Superbank in Indonesia.

Some people call it the “Uber of Southeast Asia”, but no... it's way more than that.

$GRAB is essentially $UBER $DASH $SOFI combined.

18 months in, up 200%.

Am I selling?

Not a single share.

Because $SOFI is just getting started.

🚨 Here's a brief overview of my investment thesis: 1) The One-Stop Shop for All Things Finance

$SOFI is disrupting traditional banking through its all-in-one financial platform, offering digital financial services such as banking, investing, lending, and more.

For enterprise clients, it also offers banking-as-a-service solutions through its technology platform, Galileo.

$SOFI's competitive moat stems from:
- its vertically-integrated fintech stack — no other company offers such a complete suite of financial offerings.
- a strong brand presence among the younger demographic, enabling $SOFI to acquire customers early on and cross-sell its products over time.
- a cost advantage over peers, fueled by the Financial Services Productivity Loop, banking charter, and neobank structure.

🧵 I initiated a position in $ZETA a few weeks ago. Here's why:

1) Full-stack AI-powered Marketing Cloud

$ZETA offers an all-in-one marketing platform, complete with three core products, namely:
- Customer data platform with 85% to 90% first-party data
- Marketing automation software powered with AI
- Demand-side platform for programmatic ad buying

Most adtech/martech players lack one or two of these products — $ZETA has all three.

By combining these three products, $ZETA gives marketers the power to deliver cost-efficient, hyper-personalized, and highly automated marketing campaigns that generate significant ROI.

This is why 44% of the Fortune 100 use $ZETA. 2) Only 1% Market Penetration

In the last four years, $ZETA grew Revenue at a 30% CAGR, and in the next four, the company is expected to grow at a 20% CAGR.

Per management, $ZETA's customers spent over $100B in marketing and advertising last year, and with $1B of Revenue in 2024, $ZETA's current market share is only 1%.

Fueled by AI tailwinds and current business momentum, management sees their market share expanding to 5% to 15%, which is at least a 5x from here.

Some of $ZETA's clients are already allocating more than 5% of their wallet share on the ZMP, so getting to a 5% market share is very much possible.

As a matter of fact, $ZETA is growing at the fastest rate among other players like $CRM, $HUBS, and $KVYO, indicating market share growth.

In other words, it's just the beginning for $ZETA.

🧵 Here's my rapid-fire investment thesis on $NBIS

1) Strong Moats in the AI Space

$NBIS is building AI factories to service the AI revolution.

I believe $NBIS has three competitive advantages, namely:
- a full-stack AI infrastructure with complete control of the entire AI value chain, from data center design, to in-house servers, to its proprietary cloud platform.
- the best price-to-value AI infrastructure-as-a-service offering in the market, with one of the most affordable prices while delivering top-quality performance.
- high barriers to entry, as $NBIS has access to scarce resources, such as $NVDA GPUs, skilled AI engineers, and massive amounts of capital. 2) The Road to 1GW+ Capacity

$NBIS is in hypergrowth mode, growing Revenue by high triple digits.

More importantly, the company has a massive growth runway ahead as management aims to expand capacity to more than 1GW of capacity — a 40x increase from the start of 2025.

1GW of capacity would potentially translate to $10B of Revenue. Management aims to reach this level of capacity within "a few years", so if they can pull it off, it'll make $NBIS look tiny today.

🧵 Here's my rapid-fire investment thesis on $HIMS

1) Solid User Growth

$HIMS is rapidly growing its Subscriber base, which increased by 45% year over year to 2.2M+ in Q4.

User growth is a leading indicator of future Revenue growth and, thus, earnings growth. 2) Dominant Market Position

$HIMS continues to gain market share in the crowded telehealth space, implying a superior value proposition, marketing execution, and distribution.

As of 2024, $HIMS has a dominant market share of 47%+.

Here’s a quick thread of what $HIMS Revenue and valuation might look like WITHOUT GLP-1 contributions.

First, Subscribers.

In 2024, $HIMS grew Subscribers by 41% in Q1, 43% in Q2, and 44% in Q3… so let’s assume 44% YoY growth in Q4, which brings year-end Subscribers to 2.2M. Management already mentioned that GLP-1s drove only 4pp of Subscriber growth in Q3.

So without GLP-1s, Subscriber growth would have been 40%.

That said, I’ve assumed 35% growth in 2025, declining to just 12% growth in 2033.

By then, $HIMS should have about 11.4M Subscribers.