What kind of company is $Visa(V)$?Visa Inc. operates as a payments technology company worldwide. They operate a network that enables authorization, clearing, and settlement of payment transactions. To simplify it, every time you swipe your Debit or Credit Card, Visa earns a few cents. While it may just be a few cents, there is 7 billion people in the world, and we swipe our cards a few times everyday. This has made Visa into a Free Cash Flow Giant. How are the Earnings?Earnings has grown at a rate of 13.6% since inception. Revenue for FY2020 was 22B and earnings was 11B. That makes it have a 50% profit margin. Visa is also a free cash flow cow, as they dont have much operating expenses. FCF for FY20 was 15B. How sustainable is the business?Vis

Many of you think Warren Buffet, Bill Ackman or even Gorge Soros is the best investor. But you are wrong! The best investor is actually Nancy Pelosi, speaker of The House, who has beaten the S&P500 constantly. Her portfolio has returned 69% Per Annum for the past decade.Is it insider Trading or is it actual talent? You be the judge of that. But whatever it is, politicians who trade stocks tend to know more than the commoners, it does not take a fool to know that. According to a report by BusinessInsider, more than 220 members of Congress own individual stocks in 2020, with tech stocks being the most popular. In this article, lets look at the top stocks traded by members of congress. $Apple(AAPL)$Apple is the most held stock with 79 inve

In 2008, $Berkshire Hathaway(BRK.B)$ Warren Buffett issued a challenge to the hedge fund industry, which in his view charged exorbitant fees that the funds' performances couldn't justify. Protégé Partners LLC accepted, and the two parties placed a million-dollar bet.The bet is that is any Hedge fund could beat the S&P500 for a period of 10 years, they will win $1M. Its safe to say, in 2017, Buffett has won the bet.Buffet has always been vocal and an advocator of low cost index fund. He mentions that anyone who invest in a low cost index fund will always outperform the market.Why should you invest in Index-Fund?Low CostIndex fund have expense ratio as low as 0.03%. Compared to picking Individual Stocks and hedge fund

I was doing my research to find undervalued stocks with great moat & earnings, and I stumbled upon $Diageo PLC(DEO)$$Diageo plc(DGEAF)$Here are my key analysis on this company:●Diageo own a portfolio of 200 brands of alcohol and sells in 180 countries worldwide. The most notable brands are Smirnoff Vodka, Johnnie Walker Whisky, Baileys, Guinness, and even a 34% joint-venture stake in Moet-Henessy Champagne brands. ●Diageo has a high moat, as alcohol production is an extremely high barrier to entry. No one can replicate their business easily, and the portfolio of brands that they own are very high quality and always sought after.●Earnings have grown at a rate of 6% PA since 2015, while free cash fl

The House of Representatives on Friday passed the largest expansion of the social safety net in decades, a $1.75 trillion bill that funds universal pre-K, Medicare expansion, renewable energy credits, affordable housing, a year of expanded Child Tax Credits and major Obamacare subsidies.Now that it has cleared the House, President Joe Bidens Build Back Better Act goes to the Senate, where it is likely to be revised in the coming weeks. Senate Majority Leader Chuck Schumer said he aims to have the chamber pass the bill before Christmas. The big question is, which stocks will be benefit from this bill?-Manufacturing and Industrial companies will benefit greatly. Company like $Berkshire Hathaway(BRK.B)$who is widely into producing industrial

Long awaited earnings season of $Alibaba(BABA)$$Alibaba(09988)$ finally released, and boy was it a disaster. The stock plunge 10% the moment earnings were announced. But is the earnings really that bad? Lets take a deeper look at it:●Revenue was RMB200,690 million (US$31,147 million)from 155B, an increase of 29% YoY.●Aggregate revenue of our international commerce retail and international commerce wholesale was RMB15,092 million (US$2,342 million), an increase of 34% year-over-year.●Cloud computing revenue was RMB20,007 million (US$3,105 million), an increase of 33% year-over-year. ●Income from operations was RMB15,006 million (US$2,329 million), an increase of 10% YoY.●Net income attributable t

In the E-commerce industry, both this 2 companies, $Amazon.com(AMZN)$ & $Alibaba(BABA)$$Alibaba(09988)$ are the strongest among all. With that being said, which company would be the best investment of the next decade?Lets look at the key takeaways: Both this company operate internationally. However, 92% of Alibaba's revenue comes from China. While for Amazon, only 64% comes from United States, while the rest comes from other countries. This shows that Amazon's revenue is more diversified and not just contributed from one country. Amazon's revenue is extremely high compared to Alibaba. For 12 months ended Q1 FY2020, Amaz

Valuation is very important aspect in stock investing, as u must understand how much an asset is worth before purchasing it. As Buffet says, "Price is what you pay, value is what you get."There is currently more than 10 methods to value a business. However, the best valuation formula in the world is Discounted Cash Flow method.Why this method? When you value a business, you are finding out how much cash flow can the business produce for you between now and judgement day, and you discount it back to its Present Value using a appropriate discount rate. "Earnings" "EPS" "Net Income" are all inaccurate. All this metrics are manipulated to include things like depreciation and unrealized capital gains, which actually does not affect the actual earnings of the company. Cash Flow is the best way

Pheww such long awaited and most anticipated company earnings release today: $Berkshire Hathaway(BRK.B)$ Lets dive right in into the key-takeaways: Berkshire Hathaway saw another double-digit increase in its operating profit thanks to a continuous rebound in it railroad, utilities and energy businesses from the pandemic, while the company’s cash pile hit a record high as Warren Buffett continued to sit on the sidelines. Operating income of $6.47 billion in the third quarter, rising 18% from $5.48 billion in the same quarter a year ago. Berkshire said its myriad of businesses has benefited from the economic reopening as demand started to return to pre-pandemic levels. Operating earnings from its railroad, utilities and energy seg

$Axa Equitable Holdings(EQH)$ is one of America's leading financial services companies, preparing clients for their financial future since 1859 through two principal franchises, Equitable Life and AllianceBernstein.Driven by solid performance across our retirement and asset management businesses, we reported strong third quarter results, with non-GAAP operating earnings of $1.94 per share, a 56% year-over-year increase and up 13% sequentially over the prior quarter. Sustained growth of our capital-light businesses, positive net inflows and favorable equity markets propelled AUM up 17% to reach $871 billion, a record high. We remain uniquely positioned through our leading insurance offerings, affiliated distribution model and premi

The Federal Bank Reserve has announce today at 2pm that the well expecter Tapering will commenced. The Fed announce that The Federal Reserve will reduce its purchases of Treasurys and mortgage-backed securities later this month to not let the economy overheat and hyperinflation to take place.The goals of the commitee through this QE has been achieved, which is to reach max employment and continued gains in the economic activity. In livht of the inflation rate, the feds will proceed to Taper by reducing is net asset purchase by $10 Billion for Treasury securities and $5Billion for mortgage backed securities.  Target rate of federal funds rate will be at 0 to 1/4. The feds want the inflation rate to be below 2% on the long run. Now, what does this mean for the <

Lets look at this new growth company today:$SoFi Technologies Inc.(SOFI)$Sofi Tech is a new company which went public through a SPAC merger on June 1. Sofi is a disruptive player in the fintech industry. Sofi operates an online platfoem that offer all types of Loans (Mortgage, Student, Personal, Home Loans) as well as insurancr products  it also has a investment platform for investors and offers many ETF.Here are the key takeaways for this company:-Currently the company is unprofitable due to high Operating Expense. However, I believe the company will be able to cover the operating expense in 2 years to come once their revenue and earnings are steadily increasing.-Revenue is forecasted to grow more than 20% annualy in the next 5 years, and

Restaurant Brand Internasional Q3 earnings:$Restaurant(QSR)$For those who dont know this company, they are the owner of Burger King, Tim Hortons, Popeyes.They have 27000 restaurant in 100 countries. Here are my key takeaways for Q3 Earnings:1. In 3 months ending 30th September, revenue has reached a record of $1.5Bn. The figure was $1.34Bn last year Q3.2. Net income has increased to $353M uo frok the recorded Q3 2020 net incoke of $320M. Adjusted diluted earnings per share has increased from 0.68 to $0.76 this year. 3. Reason for this good result is contributed bby Burger King's system wide sales grewing 12.3% while Tim hortons increased 11.1%. Popeye achieved a 4.4% increased in sales growth as well. 4. CEO of RBI, Jose Cil said they a

Lets discuss the Financial report for Q3/ 9M 2021$Ping An Insurance (Group) Company Of China, Ltd.(601318)$$PING AN(02318)$Here are my key takeaways from the report:1. Operating Profit of the company is up 9.2% YOY and they company have achieved 20.3% ROE2. PING AN retail customer grew 3.1% to 225 million. And 39% of the customers has contracts with multiple different subsidary.3. Leta look at each business:L&H insurance: Ping An life and health insurance contributed 61.2% of overall profit. It decreased 2.8% YOY, however it is still strong and their agent force is still stable. P&C Insurance: Ping An Property and Casualty Insurance rose 20.2% to 13.221 RMB million. Banking: Ping An bank pr

Right stock, Right Time?$Ping An Insurance (Group) Company Of China, Ltd.(601318)$Is it the right time to buy Ping An?-Ping An is an incredible company whos growth has been at a CAGR 20% in the past 5 years. -Ping An should not be viewed as a insurance company, but a tech company and should be given a higher valuation.-Ping An has Solid Earnings, Good Share buyback programme and is has launched so much new initiative to ensure earnings are growing.-Current Dividend Yield is about 5%. Very good!-Based on Technical Analysis, Ping An's chart is rebounding and should be heading on a uptrend soon. Conclusion:It is a very good time to buy this company. Everyone should buy this strong company.Target Price: CNH 100 (100% upside)

Heres how to profit in high inflation enviroment:$Berkshire Hathaway(BRK.B)$The INFLATION RATE this year is 5.4%. Many consumer product price has increased and reach an alarming price.There is 2 reason for this inflation rate:1. The central bank a.k.a. Federal Reserve is stimulating the economy post-pandemic. They printed alot od money to inject into the economy, a process known as Quantitative Easing (QE)2. US debt has reach 28.9Trillion. They budget deficit is posing a huge risk as they are not able to payback the debt, but only able to constantly raise the debt ceiling. Keep in mind they raise more debt by issuing more bonds. One way to payback for this bonds is to print more money, which leads to inflation. What happens to the economy

Which rival is the better buy today?$Coca-Cola(KO)$$Pepsi(PEP)$Here are the key takeaways:1. KO mainly produces beverages (CocaCola,MinuteMaid, Schweppes) whereas PEP produces food and beverages (Cheetos, Lays, Gatorade).2. Valuation:KO ia fairly valued at 55-60USD with 6% Discount rate and 3% Growth rate (In line with Inflation)PEP is undervalued at 190-200USD with 6% discount rate and 3% Growth rate.3. Financial healthBoth companie have HUGE debt. KO D/E ratio is 173.4% while PEP D/E ratio is 258%. However, both companies are able to pay their bill. Debt coverage for PEP is 27% of operating cash flow and 29.9% for KO. 4. Share buybackBoth companies have good b

Lets talk about a grossly overvalued company today:$Tesla Motors(TSLA)$Here are my key takeaways:●Based on FY2020 Free cash Flow Valuation, 6.8% Discount Rate and Growth Rate of 15%, Tesla stock is worth USD 133.80 (483% Overvalued).●Tesla has been running at a net loss since 2014. The only year it closed with a positive profit was 2020. The EPS for 2020 was 2.23, which means PE ratio is 350!!●Tesla has been actively diluting shareholders since 2014. Average Basic Outstanding Shares grew at a CAGR rate of 6.97% for the past 6 years. ●Tesla Revenue mainly comes from selling "Green Credits" to other automative makers, and not because they profit from selling cars. ●With alot of automakers going green, lesser car companies are buying energy cr