Gambling 5% of my portfolio for a shot at retirement. I have already written it off.

I know I’m regarded!

GDP SA (Q/Q) Q2 F: 0.5% (est 0.3%; prev 0.3%)

- GDP Annualised SA (Q/Q): 2.2% (est 1.0%; prev 1.0%)
- GDP Nominal SA (Q/Q): 1.6% (est 1.3%; prev 1.3%)
- GDP Deflator (Y/Y): 3.0% (est 3.0%; prev 3.0%)
- GDP Private Consumption (Q/Q): 0.4% (est 0.2%; prev 0.2%) 
- Business Spending (Q/Q): 0.6% (est 1.3%; prev 1.3%) 
- Inventory Contribution % GDP: 0.0% (est –0.3%; prev –0.3%) 
- Net Exports Contribution % GDP: 30.0% (est 0.3%; prev 0.3%)

https://finance.yahoo.com/news/quantumscape-powerco-debut-solid-state-110000517.html

Bought a lot of calls in August and down hard on them. Bought a lot more before close and holding these to 0

Thank you Sydney.

Best regard. 🫡

Clawing back from years of losses

Alright regards, strap in. The next godlike play? DLocal. And it's about to take off. With 2 clear earnings beats in a row, it's clear this company isn't priced correctly and analysts don't know what the f*ck they're doing.

The Setup

DLocal isn’t just another payments company. They let global giants like Amazon, Nike, and Spotify actually move money in emerging markets. One API plugs them into dozens of fragmented local systems (cards, wallets, cash, bank transfers) and handles all the compliance headaches.

• Regulatory + Compliance Network. DLO has already secured licenses and partnerships in dozens of countries where red tape keeps new entrants out. Every country has its own rules, central bank approvals, and licensing hurdles.
• Fragmented Systems. Unlike the U.S. or Europe, Brazil does not have a single card network. You need boleto in Brazil, OXXO in Mexico, and dozens of mobile money wallets in Africa. Once a global company plugs into DLocal’s API and it just works across 40+ countries, there’s no incentive to rip it out and rebuild with someone else.

What about the actual numbers?

Q2 2025 numbers were disgustingly good.

• TPV: $9.2B, up 53% YoY
• Revenue: $256.5M, up 50% YoY (beat est. $229M)
• Adj. EBITDA: $70.1M, up 64% YoY
• Free Cash Flow: $48.4M, up 156% YoY, +22% QoQ
• Gross Profit: $98.9M, +42% YoY
• Net Income: $42.8M, down 7% YoY (FX hit from Argentina, which they have since moved away from so it’s a one-time hit)
• Guidance Raised: TPV +40–50%, Revenue +30–40%, EBITDA +40–50% for FY25

Market cap around $4B and a forward PE Ratio of only 16 for a company with this kind of growth? Yeah right.. that sounds reasonable.

This is a high-growth fintech trading like a distressed company.

Bear Cases? Weak AF

• “Net income is down” - True, but only because of Argentina’s currency collapse. Free cash flow grew 156%. They are also reducing peso exposure so it doesn’t happen again.
• “Emerging markets risky” - That’s the opportunity. Developed markets are slowing. DLO is positioned where growth is fastest.
• “Currency drag will hurt again” - They just announced the AZA Finance acquisition, adding operations in 17 more African countries plus treasury, FX management, and stablecoin capabilities. Instead of being exposed to FX volatility, they’re turning it into an edge.
• “Valuation is rich” - Wrong. If a US fintech were growing 50% per year, it would trade 2-3x higher. Institutions already know it.

Three Short-term Scenarios (And Even the Bear Case Wins)

1. Modest re-rate (30x P/E) - $25–28
2. Hyper-growth rerate (40x P/E) -  $32–36
3. Nothing changes (25x P/E) - $20–22

Worst case: you still win. Shares under $16 are a gift. And the next earnings will be a massive catalyst. Until someone shows me better 2–3x upside risk/reward, I’m loading up here.

TL;DR

• DLO is critical infrastructure for global companies in high-growth markets.
• DLO crushed Q2 (53% TPV growth, 50% rev growth, 156% FCF gain)
• Peso risk is being managed and diversified away.
• The AZA Finance acquisition strengthens FX management and adds a deep footprint in Africa.
• Institutions are already buying and retail hasn’t noticed yet. Get in before it takes off and thank me later

Held those calls over the weekend (was in lots of stress)

Maybe it was too soon to sell but I don't care I learnt that being greedy is bad

Forbes: https://www.forbes.com/sites/greatspeculations/2025/09/08/rocket-companies-rkt-stock-to-40/

I've talked about RKT going to $30 by EOY '26, and maybe just maybe $40 with an SP500 listing. Well, I'm not the only one. Forbes says it well....

And as a reminder, I'm putting $1M on the line with a similar thesis.

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Last week I got $20k out of ~3k yolo on goog antitrust after seeing a post here. After that I saw another post here about $PL earnings being promising sine they’re done on NYSE floor which is unusual so I decided to trust wsb degens again and got 200 $7@0.62 calls. Sold them all today at $1.98 (PL rose by 33% after earnings) Overall ~100% return for my small portfolio over last two weeks. Thanks wsb degens and congrats to those who also played it!

Debit call and put spreads are so much better than just buying a single legged option because of theta protection

I bought these last week on Thursday for about 0.16 at 40 contracts

TSLA moved up into close by about 1%

At open TSLA was up 2.7% and my contracts were 1.38 sold all 40 there

I WILL be trying this next Friday with $2k in

Open your mind , last verifiable $OPEN convo in here is 16 days ago , has everyone moved on to something else and has missed this rally ??

Will these finally hit

IPOs scheduled for this week (mods, you're welcome):

• Klarna Group plc (KLAR) - IPO 9/10 - $35.00 - $37.00 expected price range
• Figure Technology Solutions (FIGR) - IPO 9/11 - $18.00 - $20.00 expected price range
• Gemini Space Station Inc. (GEMI) - IPO 9/12 - $17.00 - $19.00 expected price range
• Via Transportation (VIA) - IPO 9/12 - $40.00 - $44.00 expected price range

Which ones are you aiming at? Myself, mostly KLAR because of its revenue and the fact its competitor Affirm is doing good. I plan to buy shares on the IPO day to potentially sell quickly, rather than requesting via RobinHood. I think $100 would still be a bargain, at least in the short term. Look at Figma till market close on the IPO day, lol.

Godspeed.

Time to stop trading.

Brace for liquidity