IESC IESC

September 21, 2016 - 1:08pm EST by

member

						2016	2017
Price:		15.42		EPS		1.32	1.69
Shares Out. (in M):		21		P/E		11.7	9.1
Market Cap (in $M):		331		P/FCF		10	8
Net Debt (in $M):		7		EBIT		29	37
TEV (in $M):		338		TEV/EBIT		11.6	9

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#	AUTHOR DATE SUBJECT
16	member 12/17/23 11:12PM Any update? Thoughts here?
Thank you view available tags
15	member 12/16/21 12:52PM BNPL now in the regulatory headlights
CFPB now officially investigating BNPL. Certainly a negative to the narrative that BNPL is going to meaningfully disrupt existing payments structures/rails. Has now reached a size where it can no longer escape regulatory scrutiny...welcome to 6 view available tags
14	member 12/03/21 5:00PM Re: Re: RTP in other markets 13
I don't want to understate the risk. However, IMO FedNow is much more of a risk to Venmo/Zelle and other P2P providers than it is to V/MA. It is a real-time settlement system/mechanism, and for... login to read the rest 3 view available tags
13	member 12/03/21 4:19PM Re: RTP in other markets 1
Want to love V/MA for the thesis you outlined. Some of the best opportunities are when cyclical fears are extrapolated as structural challenges. I think the BNPL, crytpo and amazon stuff is just cyclical noise.... login to read the rest view available tags
7	member 12/03/21 6:34AM Re: Re: BNPL Threat 5
In addition, keep in mind that V is generating 4x the fixed fees over the life of a BNPL transaction (assuming 4 monthly payments) given that they get paid every time a transaction hits their view available tags
6	member 12/03/21 6:33AM Re: Re: Re: RTP in other markets 3
lightspot, Those are valid concerns. Not to be glib, but I don't know that I've ever entered an investment with a 10-year horizon because I simply don't think I have the skill/foresight to look that far... login to read the rest view available tags
5	member 12/03/21 3:52AM Re: BNPL Threat 4
@ rookie964. I looked at the credit vs. debit economics question recently. So below my two cents, zzz0007 has probably more to say on this topic: 1. Merchant discount rates are higher for credit cards than debit... login to read the rest 1 view available tags
3	member 12/02/21 5:20PM Re: Re: RTP in other markets 2
Yes, Visa does look cheap realtive to its own historical multiples. But if we take a step back, and look at where we will be in 10 years... don't you feel that Visa's importance would be... login to read the rest 2 view available tags
2	member 12/02/21 12:57PM Re: RTP in other markets 1
First of all, apologies for some of the formatting in the writeup. I just pulled it up and noticed that the hierarchy in a lot of the bullets got completely screwed up when I hit... login to read the rest 1 view available tags

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