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
+2.25
hit rate
70%
mean α
+1.89%
signals 14d
30
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: 70% hit rate, +1.89% mean alpha, trader score +2.25. Their last-14d mentions, direction-adjusted, have moved +0.8% since posting (mean over 23 mentions with price data).
Recent signals15receipts included
| date (PT) | ticker | author | sent | what they said | since then | receipt |
|---|---|---|---|---|---|---|
| 2026-08-28 | PYPL | @bobspaysubstack | -0.55 | Says the PYPL deal is unlikely and argues GPN is much more attractive on valuation and growth. | — | tweet ↗ |
| 2026-08-28 | GPN | @bobspaysubstack | +0.70 | Says the PYPL deal is unlikely and argues GPN is much more attractive on valuation and growth. | — | tweet ↗ |
| 2026-08-26 | INTU | @bobspaysubstack | +0.45 | Likes Intuit at current value but calls it a show-me story after lowered mid-term guidance. | +3.5% | tweet ↗ |
| 2026-08-25 | INTU | @bobspaysubstack | +0.65 | Stays constructive on INTU based on valuation, growth and its history of successful pivots. | +0.2% | tweet ↗ |
| 2026-08-25 | PAYX | @bobspaysubstack | -0.15 | Argues INTU guidance and cash flow are stronger and its valuation cheaper than ADP and PAYX. | · | tweet ↗ |
| 2026-08-25 | INTU | @bobspaysubstack | +0.70 | Argues INTU guidance and cash flow are stronger and its valuation cheaper than ADP and PAYX. | +0.2% | tweet ↗ |
| 2026-08-25 | ADP | @bobspaysubstack | -0.15 | Argues INTU guidance and cash flow are stronger and its valuation cheaper than ADP and PAYX. | +1.7% | tweet ↗ |
| 2026-08-25 | INTU | @bobspaysubstack | +0.55 | Views INTU's results as acceptable and valuation attractive despite a 7% after-hours decline. | +0.2% | tweet ↗ |
| 2026-08-25 | PAYX | @bobspaysubstack | -0.05 | Pre-earnings model estimates INTU growth and EPS while comparing valuation with ADP and PAYX. | · | tweet ↗ |
| 2026-08-25 | INTU | @bobspaysubstack | +0.25 | Pre-earnings model estimates INTU growth and EPS while comparing valuation with ADP and PAYX. | +0.2% | tweet ↗ |
| 2026-08-25 | ADP | @bobspaysubstack | -0.05 | Pre-earnings model estimates INTU growth and EPS while comparing valuation with ADP and PAYX. | +1.7% | tweet ↗ |
| 2026-08-24 | MA | @bobspaysubstack | +0.50 | Recaps gains in Visa and Mastercard and says the author captured part of the trade | -0.8% | tweet ↗ |
| 2026-08-24 | V | @bobspaysubstack | +0.50 | Recaps gains in Visa and Mastercard and says the author captured part of the trade | -0.2% | tweet ↗ |
| 2026-08-24 | CAT | @bobspaysubstack | +0.00 | Recaps gains in Visa and Mastercard and says the author captured part of the trade | -1.3% | tweet ↗ |
| 2026-08-21 | FOUR | @bobspaysubstack | +0.10 | Detailed peer valuation argues Block trades at a large conglomerate discount. | -8.3% | 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.