1. Visa is examined as a prime example of a wonderful business; 2. The article discusses the major risk factors for investors; 3. The current market price of Visa shares reflects its wonderful nature and promises lackluster returns over the next 3-5 years.

1. Investors in SoFi Technologies experienced a 40% drop from recent highs, highlighting the risks associated with investing in SOFI. 2. Despite economic uncertainties, SOFI's previous earnings multiples suggested that overstating the bullish case was not wise. 3. However, recent stock performance indicates that the bearish outlook on SOFI may be reconsidered. 4. The author argues that investors who have been patient should not let the selloff go to waste.

1. The Department of Government Efficiency (DOGE) has made significant impacts through its review of federal spending, leading to job cuts and savings; 2. DOGE's initiatives may benefit sectors such as financials, technology, and energy; 3. SA Quant has identified three stocks with 'Strong Buy' ratings that could benefit from DOGE's actions.

1. Berkshire Hathaway is poised for outperformance due to its defensive positioning, stable earnings growth, and strategic shift to U.S. Treasury securities. 2. Warren Buffett's annual letter emphasizes the importance of fiscal policy, capital allocation, and maintaining a stable currency, with a focus on U.S. exceptionalism. 3. Despite a decline in GAAP net income, Berkshire's operating profit increased significantly, driven by strong performance in its insurance and investment segments. 4. Berkshire's current valuation and large cash position provide a margin of safety, making it a 'Strong Buy' amidst high market valuations and economic uncertainties.

1. SoFi's stock price fell 18% post-4Q24 results despite double beat in revenue and EPS; 2. CEO Anthony Noto upgraded 2026 guidance during BofA conference; 3. Estimated EPS for 2026 is $0.76 based on upgraded guidance.

1. Coinbase's FY 2024 earnings report showed a 115% YoY revenue increase, but the stock dropped 13% due to market conditions and competition concerns; 2. Robinhood's acquisition of Bitstamp and its 700% crypto revenue jump makes it a strong competitor to Coinbase; 3. Both stocks fell recently despite Bitcoin's rise, influenced by broader economic concerns; 4. Current price dips in Coinbase might be a buying opportunity due to its rising efficiency and potential fee structure rationalization.

1. Brazil's GDP growth and low unemployment are positive for StoneCo despite the country's economic challenges; 2. StoneCo's recent financial results were strong with high margins and consistent earnings beats; 3. The company's valuation is attractive with a potential 18% upside.

1. Synchrony Financial reported a mixed Q4 results with revenue and EPS falling short of estimates; 2. Key risks include the potential implementation of the CFPB's late fee rule and increasing competition from digital-native banking companies; 3. The stock is cheap at 9x forward EPS, with EPS growth expected to be 15-16% over the next two years.

1. Morgan Stanley Direct Lending Fund has benefited from high interest rates but faces risks as rates are expected to decrease. 2. The fund's strategy focuses on senior secured loans to stable mid-sized businesses and employs leverage to enhance dividends. 3. A significant portion of MSDL's yield is tied to floating rates, which could shrink if the Fed lowers rates, impacting net interest margins.

1. Berkshire Hathaway is expected to deliver strong performance in 2024; 2. Future earnings will face tough comparisons with flat EPS projection between 2025 and 2027; 3. The company has halted share repurchases and holds a record cash position, signaling valuation risks and lack of deployment opportunities.

1. PayPal's growth has slowed, but strong free cash flow and improving EBITDA margins support a BUY rating; 2. Consensus estimates see PayPal as a mature company with steady growth and good margins; 3. Valuation appears low at 0.8x PEG ratio, with a target of 1x PEG leading to a YE25 price target of $121.

1. Both Brookfield Corporation and Brookfield Asset Management have delivered outstanding returns since the last bullish article; 2. The article focuses on how BN and BAM earn money and the implications going forward; 3. Expected growth in Private Funds and BWS Capital should be favorable for BN due to the fee structure of BAM and spread earnings potential for BN; 4. The analyst downgrades BAM from 'buy' to 'hold' and BN from 'strong buy' to 'buy'.

➀ Raspberry Pi Holdings reached a valuation of nearly £1.3 billion as shares hit 658p, more than doubling from its July IPO price of 280p. SW Investment Management has been identified as a significant buyer. The Raspberry Pi Foundation, Softbank, and Lansdowne Partners are the largest shareholders. The company reported a 61% year-over-year revenue increase to $144 million in the first half of the year. The Pi 5, launched in October, sold 1.1 million units in the first half, with a 31% overall unit growth. ➁ SW Investment Management has been reported as a major buyer behind the share surge. ➃ The Raspberry Pi Foundation is the largest shareholder with 49% of the shares.

1. Oaktree Specialty Lending reported a $0.01 per share miss in net investment income for Q4, but supported its dividend with NII. 2. Despite credit problems, the BDC's change in management fee structure is positive. 3. OCSL's first-lien strategy, with 82% of funds in senior secured first liens, supports its reputation as a stable dividend payer. 4. Trading at an 11% discount to book value, Oaktree Specialty Lending offers a favorable risk profile for investors with above-average risk tolerance.

1. Block continues to increase its revenue and gross profit, with YoY growth of 8.88% and 14.47% respectively; 2. SQ is now profitable and expected to grow EPS by 59.04% over the next 2 years; 3. A lower rate environment is beneficial for SQ, potentially leading to increased loan originations and merchant transactions.

1. Progressive Corporation's stock receives a hold rating, trading at a 10-year high with limited dividend yield and growth history. 2. Growth drivers include recent insurance policy growth, macro demand for auto insurance, and strong profit margins. 3. Despite low debt risk, the company's sector is affected by major weather events leading to catastrophe losses for insurers.

1. Citigroup's recent financials show stable top-line performance but falling profitability due to ongoing investments in tech and human capital; 2. We expect these investments to pay off over the next few years, as EPS appears set to grow substantially into 2030; 3. The Company's valuation is attractive, with low P/E and P/B ratios compared to peers; 4. Despite risks, C's strategic transformation and market position make it a compelling 'Buy'.

1. StoneCo's stock has dropped nearly 40% year-to-date, primarily due to macroeconomic challenges in Brazil. 2. Brazil's interest rate hikes have affected expenses and profitability, particularly for small business clients. 3. Despite near-term hurdles, StoneCo's long-term guidance remains strong with an expected 31% CAGR in net income from 2024 to 2027.