We have many newcomers this week and we want to welcome you to our page. The way our schedule usually works is on Sunday/Monday we release a “What to Expect” for the upcoming week were we talk about important earnings for the week and our thesis or what we are watching behind it. This week is going to be a little bit different. With Christmas this week and not many companies have earnings releases this week, we wanted to look back and share previous posts about our thesis for a stock and see how they were doing. These posts reflect how we are personally trading the stock. Please make your own decision when investing. Also we updated our site so please check it out. It should be better organized on some of our thoughts about different stocks and can read what we believe about them.

This stock has had quite a ride since we posted it on August 27th, 2025. It was trading at a high of $71.80 on this date when we did the report and it currently sits around $90 currently. That is a 25.3% return, but lets dive into that a little further. This stock has really gone up and down a lot since then. It made its way all the way up to $141 dollars in October and just last week it went back to around $79….. so lots of movement. We still are trading around Nebius as a long term stock. If you do not know about Nebius please click this post and read why we own some stock.

Nebius is a AI infrastructure company building full stack cloud and GPU computing platforms for large AI workloads. The biggest thing that we are noting is that they are rapidly expanding globally with new and upgraded data centers, including a large planned facility in New Jersey, expansions in Europe and additional GPU clusters and offices across the U.S to support their growing demand. They have secured significant financing and strategic contracts to help accelerate this build out. In September they had a stock dilution to raise around $1.5 billion which hurts them short term but helps them raise capital for expansion.

We continue to see Nebius as a leader in AI infrastructure and one thing that really drives it home for us is their management. They have experienced people on their board and they have secured major backing from accel, NVIDIA, and others. We are holding Nebius as a long term stock and we believe it has the potential to revist prior hights over time. It will take time especially if there is a AI bubble but through their backings and long term contracts they have with big companies like Microsoft, we are finding anything below $85 is something we personally monitor as attractive opportunities and continue to love the long term play.

Next one that we wanted to look at was SoFi. We posted our thesis above on August 20th, 2025 when it was $22.52 and have owned stock since then. It currently sits around $27 dollars which is a little over a 20% gain. We still love SoFi and continue to believe in it. Some of the negatives that they have faced is they had two rounds of dilution. This is for them to raise more money to expand and have strategic investment options. While this hurt in the short term, we believe they still have a lot of room to grow. SoFi went past $30 on the Friday that they were possibly going to be included in the S&P 500 but were not. We still think they may be included in 2026 which will help them have good recognition.

With interest rates possibly going down in 2026, most people with mortgages and student loans will be looking to refinance their loans. We think SOFI could be a top destination to do this. It is really easy to apply through their app and you do not have to go meet with someone in person to move a loan. SoFi’s platform lets borrowers check rates, submit applications, and upload all documents needed digitally, making refinancing much faster and simpler than traditional banks. Their customer support is available so very easy to ask questions through this process. We consider $25-26 a range we personally are watching for potential buying opportunities.

Another one of our conviction stocks that we believed in our portfolio was GRAB. With some wins you have be to able to discuss loses. When we posted about GRAB on July 30th, 2025 it was sitting at $5.29 and is currently around $4.93. A loss around 7%. The funny thing is we do not see a reason for the decline and are still holding it. They are a powerhouse in Southeast Asia. For much of 2025 there was speculation about them acquiring GoTo group which was a major rival. However GRAB states that no talks were active, so as of now, no deal has been completed. Just a reminder that UBER does not operate in this area as they were bought out by GRAB in 2018. Uber received a 27.5% stake in GRAB as apart of this deal. Something that we love that makes GRAB so different is that it is not just a ride sharing app. They do food and grocery delivery, financial services, logistics and parcel delivery, etc.

Something that they are currently doing is investing in remote driving tech, as they realize the importance to expand in this area. They invested in a company in Vay, a remote driving technology company, with the potential to increase its stake up to $350 million if milestones are met. They are backing 5 autonomous vehicle startups with potential M&A upside. This is important as the world is advancing more and more into autonomous driving. Another recent acquisition in their banking arm was them acquiring Validus Capital, a major lending platform in Southeast Asia. This was aimed at broadening financial product offerings. While GRAB has been relatively stagnant stock we think anything below $5 is a range we are keeping an eye on for potential buys in our portfolio.

One of our favorite stocks Robinhood has had quite the year. We wrote about them on June 24th, when their price was sitting at $82.01 and has since climbed to $121ish as of today… almost a 45% increase. Even with the big increase we are still so excited about this stock. We see so much more potential to growth. Our belief ties into the fact that they are a very user friendly interface and makes it really easy for an investor to put money and buy stocks. They are continuing to focus on increasing users and amount of money they put in. We think that ease and convenience is critical, especially for the younger generation, which is why we believe in this stock.

Another big thing that we see them advancing into is the prediction markets. Funny enough they are not considered a betting market. We are confused too, but the CEO has stated that it is distinct from betting market. This could be a huge advancement for Robinhood with more investment into this sector. They have also stepped into the banking industry with many people getting approved for bank accounts, credit cards, etc. We only see this expanding and will be eyeing anything under $115 to potentially portfolio opportunity.

Thanks for following our summary of these three stocks and our convictions. Feel free to check out the site for more of our thesis’s. Hope you have a great holiday break!

This newsletter is for informational and educational purposes only and reflects the personal opinions of the authors. It does not constitute financial, investment, legal, or tax advice, nor is it a recommendation or solicitation to buy, sell, or hold any securities. All views expressed are subject to change without notice. Any projections, estimates, or forward-looking statements are hypothetical in nature, based on assumptions that may not materialize, and are provided for illustrative purposes only. Actual results may differ materially. The authors may hold positions in the securities discussed and may change such positions at any time without notice. Readers should conduct their own independent research and consult with a licensed financial professional before making any investment decisions. We make no representations or warranties regarding the accuracy or completeness of the information presented and accept no liability for any losses arising from reliance on this content.

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