I would like to know your opinion on the 3 stocks in the title, as they are all at the top of my watchlist. I have briefly summarized my most important reasons for buying below, but this is not intended to be an analysis of 0, so you should definitely have heard of the companies before in order to get added value from the article.

$PYPL (-3,06 %) Will not manage the complete turnaround towards 300 $ for the time being. Nevertheless, a P/E ratio of less than 14 is quite reasonable for a company whose earnings per share are growing by a double-digit percentage every year.

Although there is competition that never sleeps (Apple Pay, Google Pay, Adyen, Stripe, Zelle, Block), the pie in online shopping is huge and continues to grow.

In my opinion, the most dangerous competition comes from the possible introduction of the digital euro or stablecoins (even if PayPal itself is already active here). I would like your opinion on this.

If you look at some figures, it actually looks very good:

Although PayPal's transaction margin has fallen since 2023, it has remained stable.

The number of active accounts fell in 2023, but has also remained stable since then.

Nevertheless, PayPal has managed to increase its Total Payment Volume (TPV) every single year.

As mentioned, earnings per share are growing at double-digit rates.

The cooperation with OpenAI provides scope for further growth in TPV. PayPal could also gain new users who could also use PayPal services outside of ChatGPT in the future.

$NOVO B (-1,37 %) Without going into specific figures too much, this company has become extremely cheap.

In Europe and especially in the US, the percentage of obese and overweight people is very high (even in the upper middle and upper class in the US, more than a third of men and about a third of women are obese - which is important to me as this is where most of the money can be made).

I had initially thought that these weight loss injections were drugs that patients could take for a year, for example, and then stop. This is not the case. Studies show that most patients are back to their previous weight one year after stopping the injections.

So this is a market where customers remain loyal for decades - and a disease that often affects even the wealthiest.

The figures will be out tomorrow morning. The last quarterly figures have surprised positively in earnings every single time, but have never led to a real, sustainable and long-term turnaround. It remains to be seen whether that will change this time.

$META (-1,77 %) I have actually always been largely spared the social media addiction and only know it from many of the young people around me.

But unfortunately, I also occasionally spend several hours scrolling through Instagram reels and can hardly stop. Meta's algorithm is really extremely good at finding out exactly what you're interested in.

In my case, for example, it was mostly just memes that were displayed at first.

Then at some point I got hungry and suddenly, out of nowhere, only food creation videos appeared (it may well be that the causality here was the other way around, but you get what I mean).

I also saw how much this algorithm binds you in Meta's extremely strong growth figures.

The valuation is accordingly very high, but I still think there is a lot of potential here.

Meta continues to invest billions in AI in order to place even more targeted advertising, increase the click-through rate of advertisers and thus be able to charge even more money per ad.

These investments are - at least according to ChatGPT - also one of the reasons for the drop in Meta's share price that we have seen recently, as many investors have concerns about whether these investments are justified.

I'm not yet as deeply invested in Meta as I am in Novo and PayPal, so I'd like to know your opinion.

I'm also interested in whether you have any moral concerns about investing in Meta - after all, millions of young people are wasting half their lives in front of a screen due to the ever-improving algorithm.

(It's a shame that I can't add a vote, is it just me or does it just stop working after a certain number of words?)

Kind regards

$NOVO B (-1,37 %) - 40 shares as an initial purchase. Leave it and wait.

$HIMS (-10,15 %)

• Revenue: USD 599.0 million (estimated USD 580.4 million) ✅ ; increase of +49 % compared to the previous year
• Earnings per share: $0.06 (forecast: $0.10) 🟥
• Subscribers: 2.47 million; +21 % compared to the previous year
• Monthly online revenue per average subscriber: USD 80; +19 % compared to the previous year
• Online revenue: USD 589.1 million; +50% compared to the previous year
• Wholesale sales: USD 9.9 million; +10% compared to the previous year

Guidance:

• Q4 revenue: USD 605m to USD 625m (estimated USD 629.7m)
• Q4 Adj. EBITDA: USD 55-65 million; margin 9-10%
• Sales in financial year 2025: USD 2.335 billion - USD 2.355 billion; margin 13%
• Adjusted EBITDA for the financial year 2025: USD 307 million - USD 317 million
• Outlook for the adjusted EBITDA margin in the financial year 2025: approx. 13%

Further key figures:

• Net income: USD 15.8 million; decrease of 79% compared to the previous year (previous year included tax benefit of USD 60.8 million)
• Adjusted EBITDA: USD 78.4 million (forecast: USD 51.1 million compared to the previous year); +53% compared to the previous year
• Gross profit margin: 74% (compared to 79% in the previous year)
• Free cash flow: USD 79.4 million; unchanged from the previous year
• Cash flow from operating activities: USD 148.7 million; +74% compared to the previous year
• Cash and cash equivalents: solid balance sheet maintained

CEO commentary - Andrew Dudum:

🔸 "We're building a platform that becomes more personalized and proactive as it grows and appeals to more and more people."

🔸 "We are launching new specialties, partnering with leading healthcare companies and making significant progress in building Hims & Hers into a global brand."

CFO comment - Yemi Okupe:

🔸 "We delivered another quarter of strong, profitable growth - sales up 49% and adjusted EBITDA up 53% year-on-year."

🔸 "We are confident that we will exceed the ambitious targets for 2030 that we set ourselves at the beginning of this year."

Strategic update:

🔸 Active discussions are ongoing with Novo Nordisk on offering Wegovy injections and future oral versions via the Hims & Hers platform (subject to agreement).

CEO Comment - Andrew Dudum:

The third quarter results are in and here are the key points:

We are growing quickly and efficiently. Sales have increased by 49 % compared to the previous year. Adjusted EBITDA has increased by 53%. We are increasingly confident that we can achieve and even exceed our 2030 targets of USD 6.5 billion in sales and USD 1.3 billion in adjusted EBITDA.

Growth is becoming increasingly diversified. Hims is recording annual growth of 40 %, not including the generic PRN business, from which we are withdrawing. Hers is targeting high double-digit to triple-digit growth and is expected to achieve sales of over USD 1 billion next year.

- The scale of our customer platform allows us to bring you the best offerings in healthcare. From advanced diagnostics to early-stage biotechnology. We are committed to bringing you the best products at affordable prices.

As we grow, we pass the savings on to the consumer. We started the year with approximately 400,000 square feet of vertically integrated manufacturing space and expect to end the year with over 1 million square feet. Consumers will benefit the most from our expansion. State-of-the-art infrastructure, FDA-registered production facilities and GreenList-certified suppliers for GLP-1 products mean real benefits for consumers.

New categories such as testosterone and menopause are expected to be growth drivers next year. Excellent initial signals and a good product-market fit. Now we are focusing on optimizing business processes.

The comprehensive laboratory tests are on schedule to be launched by the end of the year at a fraction of the cost of comparable sophisticated tests today. We are talking about hundreds, not thousands. Over time, we will continue to expand this laboratory infrastructure vertically to keep costs as low as possible.

Longevity will start next year. The plan is to integrate peptides, coenzymes, GLP/GIP, supplements and tracking capabilities. If celebrities have access to these cutting-edge precision therapies, we want you to benefit too. Our California facilities are working hard to develop core peptides.

International expansion is imminent. Canada will follow shortly and we are in intensive discussions with leading generic manufacturers to offer semaglutide as a generic in Canada and Brazil from 2026. We continue to invest in the UK and Germany and are exploring other international markets such as Australia and other Latin American and Asian countries.

Our goal has not changed: We want to help make the world feel great.

#earnings
#quartalszahlen

$NOVO B (-1,37 %)
$NVO (-1,52 %)

The bad news for $NOVO B (-1,37 %) will not stop - a zombie apocalypse of "biblical proportions" threatens

https://m.bild.de/leben-wissen/ozempic-gesicht-haessliche-nebenwirkung-bei-abnehmspritzen-6902343c5afbdf36c840cce6

Ps. Sorry for my late Halloween post 😂

After a volatile September with +6,2% the stabilization continued in October. My portfolio rose to 40.233 € and increased by +2,80 % slightly weaker than the NASDAQ 100 (+6.95 %)but still solidly in the green. While the major indices were driven by big tech, my portfolio once again showed strength in niche and future themes. ⚙️

1. performance & comparison 🚀

There was a moderate recovery over the course of the month: while the markets initially fluctuated, momentum returned towards the end.

With +2,8 % my portfolio remained below the NASDAQ 100, but performed better than broader indices such as the FTSE All World (+4.45 %) and DAX (+4.11 %) stable.

Particularly positive: the continued consolidation following the tech rallies of the previous months.

2. my savings plans & allocation 💶

My focus remains clear: managing liquidity and making targeted use of opportunities.

Since October, my new savings plan has been running on the Euro Overnight Rate Swap ETF (€ 500 per month) - as a flexible, interest-bearing "cash parking space" with daily liquidity and currently over 3.9 % return p.a. This allows me to keep capital ready to invest in quality shares in the event of setbacks.

3rd top mover in October 🟢

The month was led by IREN $IREN (-4,02 %)
(+25,8 %)which once again benefited from the massive demand for computing power for AI. Also Snowflake $SNOW (-4,24 %)
(+22,8 %) also made strong gains as investors increasingly focused on data-driven platforms again. The VanEck Uranium & Nuclear Energy ETF (+18.5 %) $NUKL (-4,12 %) rose significantly, driven by the ongoing global reassessment of nuclear energy as a stable and low-carbon energy source. Geopolitical tensions and supply bottlenecks provided an additional boost. While American Lithium (+15.4 %) was supported by positive industry news. Also CrowdStrike $CRWD (-2,89 %)
(+14 %) also impressed with strong demand in the cybersecurity segment and Datadog $DDOG (-2,25 %)
(+12,2 %) benefited from robust cloud spending by large companies.

4th flop mover in October 🔴

On the losing side was Ferrari $RACE (+1,82 %)
(-17,1 %)which was burdened by profit-taking and a more cautious outlook after a strong summer quarter. Tomra Systems $TOM (-1,26 %)
(-15 %) corrected after weaker volume growth, while Rheinmetall $RHM (-2,34 %)
(-14,1 %) suffered from geopolitical uncertainty despite a high order situation. Also Novo Nordisk $NOVO B (-1,37 %)
(-6,8 %) also fell further as regulatory risks surrounding GLP-1 once again came into focus. BYD $1211 (-2,19 %)
(-5,9 %) was volatile, weighed down by price pressure in China, while even Berkshire Hathaway $BRK.B (+2,69 %)
(-2,7 %) closed slightly in the red.

5. conclusion 💡

October showed: Rotation instead of rally. Techs with real profitability are gaining momentum again, while overheated stocks are consolidating.

With the overnight ETF, I am deliberately building up a strategic "interest rate anchor" in order to remain flexible in the coming months.

My focus remains clear: Quality, liquidity and long-term scaling.

❓ Question for the community:

Which stock surprised you the most in October - positive or negative?

👇 Write it in the comments!

October marks the end of one of the most turbulent months for my portfolio. My portfolio reached a new ATH and I had the highest absolute daily gain (approx. 50,000 euros) and the highest daily loss (also approx. 50,000 euros) within a few days.

Start: 1,116,452 euros

End: 1,152,698 euros

Deposit: 26,034 euros

Profit: + 10,212 euros (+0.89%)

Anyone who has ever looked at my portfolio will know that I am significantly overweighted in gold, or more precisely in gold mines. This quickly explains the reason for the volatility. 🎢

In the shadow of the gold price, mines have of course also risen disproportionately. With the slump in the gold price by 10% in places in just a few days, the good performance of the mines also came to an end. Some of the junior mines recorded price falls of over 50% in just one week (fortunately not mine).

While gold $4GLD (-1,4 %) still rose by +3.8% in October, the October performance of K92 Mining (my largest position) was $KNT (-4,51 %) (my largest position) was +5.5% and Equinox Gold $EQX (-4,35 %) was +0.8%. I assume that gold will continue to perform well, as none of the problems (geopolitical tensions, inflation, etc.) have been solved. For this reason, I have also taken another small position $SCZ (-5,93 %) (SantaCruz Silver Mining) in the portfolio. The crash offered a very good opportunity! 📈

Novo-Nordirsk performed less well this month $NOVO B (-1,37 %) with -15% and PayPal $PYPL (-3,06 %) with +3.9%. PayPal is particularly disappointing here, as the quarterly figures were excellent. This sent the share up almost 18% intraday. Unfortunately, it was subsequently sold off completely. But this confirms my belief that you just have to be patient with PayPal. The day of truth for Novo-Nordirsk will come next week... 📉

Otherwise, I received around 700 euros in dividends this month and realized around 3,000 euros in gains on Mercedes and Alibaba, among others. 💵

➡️🆓: On my way towards 4 million total assets, the target achievement rate is now 39.9%. 😊

Let's see how November turns out. As always, it remains exciting!