Linas Beliūnas @linasbeliunas
Connecting & deconstructing all things Finance + Technology. FinTech, Financial Technoloy, Web3, and AI constantly meets here on X & here👇 linas.substack.com 64k+ Finance/Tech ppl read → Joined August 2020-
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NGL He is spitting some facts...
NGL He is spitting some facts...
This is insane! Visa just brought in $4.3 billion in free cash flow on $8.8 billion in revenue implying a 49% FCF margin 😳 To put this into perspective: - Money-making machine Apple's FCF margin is currently around 31% - Oil giant Saudi Aramco's FCF margin for the full year…
In 2006, Google bought YouTube for $1.65 billion. Today, YouTube generated $8.1 billion in ad revenue just in the last quarter alone. The second-best tech acquisition of all time. Wild.
"Get smart people together, give them a lot of freedom, create an atmosphere where everyone talks to everyone else, provide the best infrastructure, and make everyone partners” - Jim Simons His quantitative hedge fund Renaissance Technologies returned over 66% annually before…
VISA has a license to print money, not literally but close.
VISA has a license to print money, not literally but close.
Visa spends more money on litigation than running its own network 😱 and it’s one of the smallest expenses.
Visa spends more money on litigation than running its own network 😱 and it’s one of the smallest expenses.
In theory this is so simple to disrupt. In practice, such a major overhaul.
In theory this is so simple to disrupt. In practice, such a major overhaul.
@UPI_NPCI in India has demonstrated his completely the VISa/MC duopoly has been effectively challenged. No reason why some other leading countrices/blocs cannot do the same- esp when the experience in many ways sees a 10x improvement. Most, anyone? #visa #mastercard #npci
@UPI_NPCI in India has demonstrated his completely the VISa/MC duopoly has been effectively challenged. No reason why some other leading countrices/blocs cannot do the same- esp when the experience in many ways sees a 10x improvement. Most, anyone? #visa #mastercard #npci
Blockchain will disintermediate the rent-seekers. Meanwhile, regulators like Gary Gensler and Lina Khan help protect one of the most profoundly regressive US duopolies. In 2022, Americans paid $164B in credit card fees and interest, foreclosing a 27% increase in US GDP growth.
Blockchain will disintermediate the rent-seekers. Meanwhile, regulators like Gary Gensler and Lina Khan help protect one of the most profoundly regressive US duopolies. In 2022, Americans paid $164B in credit card fees and interest, foreclosing a 27% increase in US GDP growth.
Best company ever. Non ironically, it will be beaten by a crypto company with less than 50% of its costs and FTEs
Best company ever. Non ironically, it will be beaten by a crypto company with less than 50% of its costs and FTEs
How to turn Rupay into a machine like this? x.com/linasbeliunas/…
How to turn Rupay into a machine like this? x.com/linasbeliunas/…
Jim Simons is the most successful investor of all time. Here's his algorithm for making billions:
Folks are out there in the arena, doing things, solving international conflicts and fighting the unjust. Legends.
A genius ❤️
Andrew Gazdecki @agazdecki
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Sheel Mohnot @pitdesi
117K Followers 3K Following Posting stuff I find interesting. Work: @btv_vc, leading pre/seed rounds of fintech cos. apply to our accelerator https://t.co/LSnRc5xYjD! Always up for adventure.
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5K Followers 3K Following I write about publicly traded Fintech companies at https://t.co/6XvHrdhkNj. Sometimes I write about banks too. And Visa. Not financial advice
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The good news for those living in Europe is: ▪︎ There are some good tech companies based there, particularly fintech. ▪︎ US companies are more and more building global workforces. Technology from $FVRR is accelerating this. ▪︎ Europe is in good company as other countries…
@brian_armstrong The CEO of Norway's 🇳🇴 $1.6 trillion oil fund said it all lately: "Europe is less hard-working, less ambitious, more regulated, and more risk-averse than the US" - Nicolai Tangen He later added a cherry on top: "In America, you have a lot of AI and no regulation, in Europe you…
NGL He is spitting some facts...
@brian_armstrong The CEO of Norway's 🇳🇴 $1.6 trillion oil fund said it all lately: "Europe is less hard-working, less ambitious, more regulated, and more risk-averse than the US" - Nicolai Tangen He later added a cherry on top: "In America, you have a lot of AI and no regulation, in Europe you…
@Hilda05052692 @linasbeliunas @brian_armstrong Keep stacking
@adhess @linasbeliunas @brian_armstrong Believe it or not, regulations in France won’t even let you take a full-time job of 40 working hours a week.
@linasbeliunas @brian_armstrong It’s amazing how Europe was strong until 2008 and the start of austerity, but apparently the problem was lazy people or regulation or something.
@linasbeliunas @brian_armstrong EU please, not Europe.
良いことしか目に入ってこない👀 有望銘柄に思ってはいるけどと、優秀過ぎるのが仇となるとか？ 決算のたびに強欲な投資家に失望売りされて俺も痛い目にあう感じになるのか？😅
Revolut: - Recently hit 10k employees - Serves 40M+ customers - Barely profitable Nubank $NU: - Has ~9k employees - Will hit 100M customers in 2024 - Made $361M in profit just in 4Q24 NU is not only the best run digital bank. NU is one of the best run tech companies in…
@linasbeliunas “Super App” is just a retention (by increasing engagement) strategy. It’s marginal what you can generate as profit there, compared to credit. Credit is very tough and for this reason almost no one starts from that angle. My humble opinion : )
@linasbeliunas I feel we are still at the beginning of the movie. $NU is the best executor atm but I’m curious to see when revolut will unleash its armies across geographies. They started hiring credit profiles at least 4 years ago. Credit is what every bank wants to do, it’s where honey is
브라질의 핀테크 누방크, 무료 4천만명이 사용중이라는데 어제 성공적인 매출 실적을 달성했다고. 이런 핀테크 사업이 남미에서 폭발적 성공중. 멜빠나 누방크들은 한국의 카카오뱅크 처럼 우물안 개구리가 아니라 해외 시장으로 성공 하는게 특징 ㅎㅎ
Revolut: - Recently hit 10k employees - Serves 40M+ customers - Barely profitable Nubank $NU: - Has ~9k employees - Will hit 100M customers in 2024 - Made $361M in profit just in 4Q24 NU is not only the best run digital bank. NU is one of the best run tech companies in…
@linasbeliunas 400m customers. Profitability north of $1Bn in 2022. They have 2x the customers of China Construction Bank (#5 bank in China) statista.com/statistics/122….
Damn, interesting.
Revolut: - Recently hit 10k employees - Serves 40M+ customers - Barely profitable Nubank $NU: - Has ~9k employees - Will hit 100M customers in 2024 - Made $361M in profit just in 4Q24 NU is not only the best run digital bank. NU is one of the best run tech companies in…
@linasbeliunas Here’s their corporate investor info. Happy to intro you to their team webank.com/en/disclosure
@linasbeliunas WeBank China has even better numbers than NuBank
@linasbeliunas Agreed but you are comparing 2 companies at different stage of maturity, different expansion strategy. $NU's profit mainly comes from credit products, which Revolut has barely started. $NU's Opex/Rev ratio is very efficient but only operates in 3 markets. What about Revolut?
@dharmeshmistry @efipm @maxkarpis @oost_marcel @cgledhill @linasbeliunas @thepsironi @BrettKing @RevolutApp @monzo @StarlingBank Complete dinosaur viewpoint. The industry has moved on, folks.
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