Author
@bobspaysubstack bobspaysubstack
grade Ax.com/bobspaysubstack ↗
Bottom-up payments/fintech specialist trading KPIs and cross-name relative value
Publishes deep fundamental analysis and real-time tickered c
trader score
-0.83
hit rate
50%
mean α
-0.38%
signals 14d
17
Grade = how their written analysis reads (A best). Trader score = how their last-20 timestamped calls performed vs SPY.
Their picks, scored
Across their last 20 scored bets: 50% hit rate, -0.38% mean alpha, trader score -0.83. Their last-14d mentions, direction-adjusted, have moved -0.4% since posting (mean over 17 mentions with price data).
Recent signals15receipts included
| date (PT) | ticker | author | sent | what they said | since then | receipt |
|---|---|---|---|---|---|---|
| 2026-10-16 | AVGO | @bobspaysubstack | +0.65 | Opened a 100-share starter position in AVGO after selling the final 25 META shares. — Discloses a new AVGO entry funded by exiting META and says AI-hardware expectations have reset more realistically. | -2.2% | tweet ↗ |
| 2026-10-16 | META | @bobspaysubstack | -0.15 | Opened a 100-share starter position in AVGO after selling the final 25 META shares. — Discloses a new AVGO entry funded by exiting META and says AI-hardware expectations have reset more realistically. | -9.4% | tweet ↗ |
| 2026-10-16 | NVDA | @bobspaysubstack | +0.25 | Opened a 100-share starter position in AVGO after selling the final 25 META shares. — Discloses a new AVGO entry funded by exiting META and says AI-hardware expectations have reset more realistically. | -1.5% | tweet ↗ |
| 2026-10-16 | FISV | @bobspaysubstack | -0.45 | Explains widening valuation dispersion between card networks and merchant-acquiring or fintech peers. | +4.9% | tweet ↗ |
| 2026-10-16 | AXP | @bobspaysubstack | +0.20 | Explains widening valuation dispersion between card networks and merchant-acquiring or fintech peers. | -0.1% | tweet ↗ |
| 2026-10-16 | V | @bobspaysubstack | +0.55 | Explains widening valuation dispersion between card networks and merchant-acquiring or fintech peers. | +1.3% | tweet ↗ |
| 2026-10-16 | MA | @bobspaysubstack | +0.50 | Explains widening valuation dispersion between card networks and merchant-acquiring or fintech peers. | +1.0% | tweet ↗ |
| 2026-10-16 | GPN | @bobspaysubstack | -0.45 | Explains widening valuation dispersion between card networks and merchant-acquiring or fintech peers. | -1.0% | tweet ↗ |
| 2026-10-13 | WFC | @bobspaysubstack | +0.30 | Debit and credit-card volume growth accelerated across recent quarters at JPM and WFC. | +2.0% | tweet ↗ |
| 2026-10-13 | JPM | @bobspaysubstack | +0.30 | Debit and credit-card volume growth accelerated across recent quarters at JPM and WFC. | +0.0% | tweet ↗ |
| 2026-10-12 | KLAR | @bobspaysubstack | -0.20 | Praises Sezzle's aggressive monetization and says Klarna could learn from it. | -7.6% | tweet ↗ |
| 2026-10-12 | SEZL | @bobspaysubstack | +0.65 | Praises Sezzle's aggressive monetization and says Klarna could learn from it. | +1.3% | tweet ↗ |
| 2026-10-12 | KLAR | @bobspaysubstack | -0.35 | Headline questions when Klarna's buy-now-pay-later business will become profitable. | -7.6% | tweet ↗ |
| 2026-10-10 | XYZ | @bobspaysubstack | -0.30 | Highlights inconsistent Afterpay financial and KPI information supplied by Block's investor-relations bot. | -1.0% | tweet ↗ |
| 2026-10-08 | V | @bobspaysubstack | -0.30 | Warns the credit-card legislation would shift economics to retailers and endanger rewards. | +8.7% | tweet ↗ |
Grade is our human read-worthiness rating; trader score is a rolling 20-bet hit-rate/alpha composite — different things, often disagreeing. “Since then” is direction-unaware in the table; the summary line above adjusts for which way they leaned.