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https://x.com/i/lists/1669153613199835138?t=R0mCicxs7zfJE_yOAek4gQ&s=09
AkhenOsiris
If even Emirates Bank is seeing the fruits, AI is so fucking on like donkey kong.
Jokes aside, been hearing similar anecdotal stories from non-tech and definitely not tech-savvy companies. Maybe 2025 is an inflection year of sorts.Third-party contact works in digital transformation at Emirates Bank.- TechStockFundamentals
GenAI deployment going very well for them across a number of functional areas. The efficiency gains are definitely there.
Seems like 1) all this new Gen AI functionality mostly gets deployed across $AMZN, $MSFT and $GOOGL, and 2) Gen AI functionality boosting cost efficiency more than revenue for companies so maybe economic impact is more on margins.
Highlights
-Centralized team understands business requirements and deploys GenAI against it
-Vast majority of development on $MSFT Azure / OpenAI. Using infra deployed locally.
-In HR, mainly using AI to screen thousands of job applications per open role. Ranks candidates along w/ description. Have had good success here and have hired candidates that were top-ranked by AI.
-Use AI to help HR write job descriptions
-Use AI to help onboard new customers. Have to run names through various checklists and lots of little things can go wrong as many people share names. Keep a human in loop for exceptions.
-Use AI when screening new customers to see if any negative media or involvement that warrants attention.
-Use AI to help with regulation. AI digests new regulatory articles that are lengthy / nuanced, summarizes changes, and then reviews all existing contracts to see which ones may need to be amended. Also important that AI can translate different languages so can not only read regulation in Arabic but also see what changes to contracts in English are required.
-Use AI in contact center to help agents. AI can provide proposed solutions which is helpful for agents running into a new issue. AI also very helpful because have customers from Russia / China / etc. and might need agent to be able to read their statement to resolve issues. AI can translate all this.
-There is demand for local AI models bc Arabic has multiple dialects.
-Don’t fine-tune models but do have to put in place a lot of guardrails to reduce hallucination.
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Investing visuals
NVIDIA is inches away from being the most valuable company in the world.
Here's the company at a glance👇 https://t.co/3g2kb52w9A
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Quiver Quantitative
RT @QuiverCongress: JUST IN: Representative @VernBuchanan has introduced legislation to make daylight savings time permanent.
Follow here for updates. https://t.co/YuYewvKbQt
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Investing visuals
Geopolitical tension is one of the main risks that $ASML is facing. Here's a breakdown of its revenue by geography 👇 https://t.co/mCJVzJwEoy
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InsideArbitrage
RT @WSJbusiness: Nippon Steel’s U.S. Steel Acquisition Plan Referred to Biden for Review https://t.co/ST7x4B2B6Y
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InsideArbitrage
TPG $TPG in Talks to Acquire Solar Firm Altus Power $AMPS - Reuters
If the talks between TPG Rise Climate and Altus are successful, a deal could be signed in the coming weeks. https://t.co/VlvX4rdMVF
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Quiver Quantitative
RT @InsiderRadar: In early October, we reported on a massive insider purchase at $NFE.
The stock has now risen 55% in total since this trade was reported, with a 22% gain today. https://t.co/W9bBNBxprq
🚨Insider Trading Alert
New Fortress Energy Inc, $NFE, sees major insider buy:
🔹CEO: ~$49,999,993 purchase on Oct 1
Largest insider purchase in 5 years
The shares traded up 5.4% last Friday, but have dropped 4.5% this morning https://t.co/NE75u9uHCZ
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Quiver Quantitative
RT @InsiderRadar: 🚨BREAKING: New Insider Purchase
A director of $LOW has reported the purchase of ~$250K of the company's stock.
This is the first insider buy we have seen at the company in over 3 years.
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LRCX $NVDA $MSFT $CRM $VRTX $TMO $AAPL etc.
This was my Achilles Heel when I first started my investment journey in 2016. I was TOO focused on valuation & lower multiples rather than QUALITY & growth at a reasonable price.
So when you’re building your club of equities, don’t buy a bench player in place of Lionel Messi or Cristiano Ronaldo. You’d just be downgrading your team & winning less.
If you made it this far, hope this helped!
Feel free to share your starting XI 😉
#stocks #investing - Dimitry Nakhla | Babylon Capital® tweet
Dimitry Nakhla | Babylon Capital®
$BF.B more than halved since Nov 2020 📉
This is what happens when you pay 47x earnings for a consumer staple stock that’s not growing EPS at a rate that justifies an aggressive multiple
It doesn’t matter that it’s a Dividend Aristocrat selling alcoholic beverages https://t.co/VkLRS1e6tH
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Stock Analysis Compilation
Artisan Partners on Intapp $INTA US
Thesis: Intapp’s AI-powered, purpose-built software solutions position it for expansion in the professional and financial services sectors
(Extract from their Q3 letter) https://t.co/s8tAKIxWXc
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Startup Archive
Netflix founder Reed Hastings on why startups should offer severance packages
Severance packages are unusual for startups, but as Reed explains, Netflix has offered 3+ month severance packages since inception:
“It’s real money, but it’s worth it… You’re going to spend three months managing the person out anyways.”
The legal release you get in exchange for the severance package helps avoid employee lawsuits. And as Reed puts it:
“You can think of the severance payment as a bribe to your managers. It makes it easier for them to do the right thing for the company. Without [generous severance packages], managers put the employee on a performance improvement plan and then the two of them go through this excruciating dance that takes 2-4 months, and it’s just a lot worse.”
Generous severance packages are aligned with Netflix’s focus on increasing talent density over time and what they call “The Keeper Test”:
“If someone in your team announced they were leaving the company, would you fight to keep them, or would it be a relief to see them go, so that you could find a better person?”
Netflix pushes managers to ask themselves this question regularly to ensure they have the best talent.
This method may seem brutal, but it’s shared in full transparency during the hiring process. And generous severance packages make the transition easier for both parties.
Video source: @GreylockVC (2015)
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InsideArbitrage
Singular Genomics Systems $OMIC to be Taken Private by Deerfield in an All-Cash Deal :
🧬As per the terms of the merger agreement, an affiliate of Deerfield Management Company, L.P will acquire Singular Genomics for $20.00 per share in cash, representing a premium of 2.30% from the stock’s last close.
🧬The deal is expected to close in the first half of 2025.
🧬Singular Genomics had received an offer from Deerfield for $10 a share in September. The company was trading at $5.65 per share before the offer was made.
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InsideArbitrage
RT @ReutersLegal: EU antitrust regulators are set to approve US chip design software company Synopsys' $35 billion acquisition of Ansys based on the former's pledge to sell two assets, people with direct knowledge of the matter said https://t.co/XZYajXtD1d https://t.co/ZJ1IiVBLQ1
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Dimitry Nakhla | Babylon Capital®
$NVO is down -42% from its highs 📉
10-Year Rev CAGR: 10.8%
10-Year FCF CAGR: 11.8%
10-Year EPS CAGR: 14.8%
10-Year Stock CAGR: 17.3%
5-Year Rev CAGR: 17.5%
5-Year FCF CAGR: 18.7%
5-Year EPS CAGR: 22.8%
5-Year Stock CAGR: 29.6%
NTM FCF Yield: 3.4% 💵
NTM P/E: 23.06💵 https://t.co/MuLzW9qnNG
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Quiver Quantitative
RT @QuiverCongress: JUST IN: @RepAndyBiggsAZ just introduced legislation to allow NASA to establish a research center for deep space and interplanetary research.
Follow here for updates. https://t.co/i2MUWh9n3g
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Quiver Quantitative
RT @QuiverCongress: JUST IN: Representative @laurenboebert has introduced legislation to abolish the ATF.
Follow here for updates. https://t.co/qc694YeJrn
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Stock Analysis Compilation
THB AM on Hawkins $HWKN US
Thesis: Hawkins leverages strategic acquisitions and cost synergies to dominate niche markets and drive robust cash flow growth
(Extract from their Q3 letter) https://t.co/ijuXHQwOsy
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Quiver Quantitative
BREAKING: Senator Shelley Moore Capito just disclosed a purchase of stock in GE Aerospace, $GE.
GE Aerospace makes jet engines for military aircraft.
Capito sits on the Senate Appropriations Subcommittee on Defense, which oversees defense spending. https://t.co/CamVzQV09F
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Hidden Value Gems
Another profit warning from $VTY.L now expecting £250mn profit in FY24 instead of £300mn, due to delays in some projects and turning down less attractive transactions.
Remains on my watchlist for now… https://t.co/PNN0XGxvTW
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InsideArbitrage
NeueHealth $NEUE to be Taken Private by New Enterprise Associates In a Deal Worth $1.3 Billion -
⚕️Holders of NeueHealth common stock will receive $7.33 per share in cash, representing a 70.07% premium from the stock’s last close.
⚕️The deal includes a 30-day “go-shop” period ending on January 23, allowing the company to consider competing proposals.
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Stock Analysis Compilation
Curreen Capital on VF Corp $VFC US
Thesis: VF Corp’s turnaround under new leadership and its strong apparel brands create an attractive risk-reward opportunity
(Extract from their Q3 letter) https://t.co/WUgJCO7SPv
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Stock Analysis Compilation
Diamond Hill on Perma-Fix Environmental Service $PESI US
Thesis: Perma-Fix’s deep regulatory moat and long-term contracts drive significant upside in hazardous waste disposal.
(Extract from their Q3 letter) https://t.co/vBvqvor05B
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Dimitry Nakhla | Babylon Capital®
After Liverpool’s exceptional match, beating Tottenham 6-3, & a brace from both @MoSalah and @LuisFDiaz19 I can’t help but re-share this FUT themed post
If you haven’t already, take a few minutes to read this and elevate your investment decisions 🎯
Attention investors ‼️ — I am SURE this post will sharpen your investing mindset and skills. Take a couple minutes to read it in full - it'll be a game-changer for your investment journey.
Yesterday I shared a poll asking if you thought $BMY was undervalued or a value trap, given its 17.32% FCF Yield.
Before I share my opinion, I believe it’s CRITICAL to emphasize the importance of being selective when building a portfolio.
Imagine you were the manager of a fútbol club (in this case Liverpool FC 😉) and you have to choose your Starting XI.
Would you add $BMY? .. More on this later.
You can see my Starting XI in the photo below.
It’s a club of exceptional businesses that have wide moats, pristine balance sheets, excellent returns on invested capital and quality revenues & earnings.
$BMY on the other hand doesn’t really fit in this club as it fails to meet these standards.
Another way to demonstrate this is if you were building a fútbol club & you could choose ANY footballer, I’m sure your club may look something like this:
Cristiano Ronaldo, Lionel Messi, Kylian Mbappe, Vinicius Jr, Jude Bellingham, Alison Becker, Virgil Van Dyke, David Alaba, Kyle Walker, Trent Alexander Arnold, & Ilkay Gundogan.
INVESTING IS NO DIFFERENT.
You have the opportunity to build a SUPERTEAM of quality businesses & nobody is forcing you to buy “subpar players” for your club.
As Warren Buffett even said:
“I could improve your ultimate financial welfare by giving you a ticket with only 20 slots in it so that you had 20 punches—representing all the investments that you got to make in a lifetime.”
The mistake MANY investors make is NOT being SELECTIVE enough.
Why add a subpar player to your squad when you could buy Ronaldo?
You’ll become a better investor and enhance your financial welfare by focusing on buying the world’s BEST & MOST QUALITY business when they trade at a fair or better valuation. This should be your focus.
Do not let the daily noise of the market sway you into buying a subpar company just because it trades for a low multiple.
So this brings us to $BMY.
Although $BMY may “appear” undervalued due to its low multiple & high FCF Yield, it could be a value trap and does not belong in my “superteam” of companies.
In short, it lacks many of the qualities I mentioned for the other businesses & has a poor history of performance.
Just have a look at the long-term growth of $BMY Revenues, EPS, & Balance Sheet and you’ll be very unimpressed.
Sure, $BMY may “have moments of excellence” (as any footballer may have in the occasional game) with nice rallies off its lows, but this doesn’t make $BMY a consistent performer for my club.
Yes, it’s important to consider the future when investing (which isn’t even bright for $BMY at the moment). However, it doesn’t mean we should forget about the poor performances $BMY has had over the last 15 years.
I wouldn’t want to count on a player who’s been performing poorly over 15 seasons and hope that this player will finally show me moments of consistent brilliance for the next 5 seasons.
Also, we should to be wise and consider the opportunity cost of owning subpar businesses over excellent businesses over the years.
I am sure there are many investors who have owned $BMY for the last ~5 years in hopes that $BMY would eventually see it supposed “value” realized.
Meanwhile, the same investors would have been better off, owning more shares of companies like $V $MA $GOOG $META $ASML $[...]
Quiver Quantitative
Rep. Ro Khanna (D) just said:
"It is outrageous that the Department of Defense is spending $32 billion a year on consultants and the federal government $70 billion"
Khanna is one of the only congressmen who we have not seen taking corporate PAC money.
cc: @DOGE, @elonmusk https://t.co/0zUS3pf5DW
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Quiver Quantitative
RT @InsiderRadar: $FREY stock has risen another 22% this morning, and is now up over 55% since we reported this insider purchase last week https://t.co/1qu6dBD3EV
🚨BREAKING: New CFO Insider Purchase
The interim CFO of $FREY has reported the purchase of ~$900K of the company's stock, increasing his ownership stake by 421%.
The stock had fallen over 82% since its IPO in 2021.
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InsideArbitrage
First Busey Corporation $BUSE and CrossFirst Bankshares, Inc. $CFB jointly announced that both the companies' shareholders have each voted to adopt and approve their merger at the special meetings of shareholders held on December 20, 2024. https://t.co/3zrh5Q0lRV
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Stock Analysis Compilation
Royce Invest on PAR Technology $PAR US
Thesis: PAR Technology’s innovative payment solutions and SaaS model, backed by growth outside the U.S., position it for strong market share gains
(Extract from their article) https://t.co/CqiI6jOn0K
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InsideArbitrage
Nordstrom $JWN Acquired by Nordstrom Family and Liverpool in a $6.25 Billion Cash Deal -
🛍️Nordstrom common shareholders will receive $24.25 in cash for each share of Nordstrom common stock they hold, representing a discount of 1.14% from the stock’s last close.
🛍️The founding family had offered to acquire the company in September for $23 per share in cash. Reports of the family looking to take the retailer private had been making rounds since March. The company had formed a special committee in February to evaluate the proposal.
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Ahmad Jivraj
Great investment ideas are rare.
Warren Buffett's legendary investment success came from fewer than 20 key investments throughout his career.
Successful investing does not require constantly finding and acting on new opportunities.
So don't chase every apparent opportunity; instead, wait (really wait) for exceptional ones.
Easier said than done though....
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