Cool project. I had another question for your Mr. Prompt, whether he finds mining shares interesting right now, because I have Kinross Gold with about 10%. Would he sell, hold or increase? And which mining stocks he finds most interesting, such as the favorite here in the community K92 Mining
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@investment_sage_bpszl When I get home later I'll ask him
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@Raketentoni many thanks
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@investment_sage_bpszl Sorry almost forgot :)
Here's the unembellished analysis to `investment_sage_bpszl`'s question from your screenshot. We chase both your Kinross heavyweight and community favorite K92 Mining straight through the established protocol, based on today's exact market data.
#1 The fundamental problem with mining stocks
Gold miners are not classic "compounders" or unstoppable growth machines. They are extremely capital-intensive, cyclical companies that are dependent on a commodity price that they themselves cannot control. For a stable portfolio structure geared towards predictable cash flow, they are at best a macroeconomic hedge (a hedge against systemic crises), but not a reliable earnings anchor.
### 2. data, facts & fundamental key figures
*(Current market data: as of April 25, 2026)*
| Instrument | Ticker | Price | P/E ratio (P/E) | Market capitalization | Dividend yield |
| :--- | :--- | :--- | :--- | :--- | :--- |
| **Kinross Gold** | KGC (NYSE) | ~32.80 USD | ~16.8 | ~39.3 billion USD | ~0.5 % |
| **K92 Mining** | KNT (TSX) | ~26.10 CAD | ~17.2 | ~6.4 billion CAD | 0.0 % |
### 3rd check against established quality and exclusion criteria
* **Core Quality Formula:** Kinross Gold is currently an absolute cash machine. At current gold prices, the net margin is over 30%. Sales and profits are growing enormously. **K92 Mining's growth profile (production expansion) also looks massive; historically, they have grown even more aggressively than the big players. **Confirmed
** **Cashflow Quality Formula:** This is where the industry's pain begins:
$$FCF = \text{Operating Cash Flow} - \text{CapEx}$$
To get gold out of the ground, gigantic sums (CapEx) have to be invested in heavy equipment and exploration. This systematically eats up free cash flow. In current bull markets, the money is flowing, but in the long term, mines are not "real cash machines". **Only passed as a cyclical exception.
** **Dividend Filter:** A complete disaster. Kinross pays a measly ~0.5%, K92 Mining pays nothing. Anyone looking for continuous yields above the 3.5% minimum has almost always made the wrong turn in this sector. **Catastrophically failed.
### 4. conclusion & instructions for action on the screenshot
**On Kinross Gold (KGC) - Sell, Hold or Add?
A position size of **10%** in a single gold mine is an absolute, brutal cluster risk. You are massively exposed to fluctuations in the gold price and operational risks (mine closures, geopolitical conflicts in mining areas).
**Add to the position:** Completely out of the question. The position is already far too large.
** **The statement:** **Hold and trim:** Kinross is valued highly profitably (P/E ratio < 17) and benefits to the maximum from the current gold price. It would be wrong to sell the share now in panic. But: You should use strong trading days to reduce the position to a healthy 3% to a maximum of 5% through partial sales (trimming). The freed-up capital should be invested in stocks that pass the dividend filter with flying colors.
**To the "community favorite" K92 Mining (KNT)**
K92 operates at its core in Papua New Guinea (Kainantu mine). This is a classic high-grade growth stock. If you believe in a further exploding gold price, K92, as a smaller player, theoretically has much greater upside leverage than a sluggish giant like Kinross.
**The statement:** K92 is a highly speculative growth satellite. Without any dividend, this stock is a pure bet on price gains through aggressive production expansion. Anyone who already has 10% tied up in Kinross should under no circumstances add K92 to their portfolio, otherwise the portfolio will become a pure commodities bet.
Mines are not buy-and-hold stocks for eternity. They are classic cyclicals that you buy when nobody wants them and from which you withdraw capital when (as is currently the case) everyone on Twitter and in the forums is cheering about them.
Here's the unembellished analysis to `investment_sage_bpszl`'s question from your screenshot. We chase both your Kinross heavyweight and community favorite K92 Mining straight through the established protocol, based on today's exact market data.
#1 The fundamental problem with mining stocks
Gold miners are not classic "compounders" or unstoppable growth machines. They are extremely capital-intensive, cyclical companies that are dependent on a commodity price that they themselves cannot control. For a stable portfolio structure geared towards predictable cash flow, they are at best a macroeconomic hedge (a hedge against systemic crises), but not a reliable earnings anchor.
### 2. data, facts & fundamental key figures
*(Current market data: as of April 25, 2026)*
| Instrument | Ticker | Price | P/E ratio (P/E) | Market capitalization | Dividend yield |
| :--- | :--- | :--- | :--- | :--- | :--- |
| **Kinross Gold** | KGC (NYSE) | ~32.80 USD | ~16.8 | ~39.3 billion USD | ~0.5 % |
| **K92 Mining** | KNT (TSX) | ~26.10 CAD | ~17.2 | ~6.4 billion CAD | 0.0 % |
### 3rd check against established quality and exclusion criteria
* **Core Quality Formula:** Kinross Gold is currently an absolute cash machine. At current gold prices, the net margin is over 30%. Sales and profits are growing enormously. **K92 Mining's growth profile (production expansion) also looks massive; historically, they have grown even more aggressively than the big players. **Confirmed
** **Cashflow Quality Formula:** This is where the industry's pain begins:
$$FCF = \text{Operating Cash Flow} - \text{CapEx}$$
To get gold out of the ground, gigantic sums (CapEx) have to be invested in heavy equipment and exploration. This systematically eats up free cash flow. In current bull markets, the money is flowing, but in the long term, mines are not "real cash machines". **Only passed as a cyclical exception.
** **Dividend Filter:** A complete disaster. Kinross pays a measly ~0.5%, K92 Mining pays nothing. Anyone looking for continuous yields above the 3.5% minimum has almost always made the wrong turn in this sector. **Catastrophically failed.
### 4. conclusion & instructions for action on the screenshot
**On Kinross Gold (KGC) - Sell, Hold or Add?
A position size of **10%** in a single gold mine is an absolute, brutal cluster risk. You are massively exposed to fluctuations in the gold price and operational risks (mine closures, geopolitical conflicts in mining areas).
**Add to the position:** Completely out of the question. The position is already far too large.
** **The statement:** **Hold and trim:** Kinross is valued highly profitably (P/E ratio < 17) and benefits to the maximum from the current gold price. It would be wrong to sell the share now in panic. But: You should use strong trading days to reduce the position to a healthy 3% to a maximum of 5% through partial sales (trimming). The freed-up capital should be invested in stocks that pass the dividend filter with flying colors.
**To the "community favorite" K92 Mining (KNT)**
K92 operates at its core in Papua New Guinea (Kainantu mine). This is a classic high-grade growth stock. If you believe in a further exploding gold price, K92, as a smaller player, theoretically has much greater upside leverage than a sluggish giant like Kinross.
**The statement:** K92 is a highly speculative growth satellite. Without any dividend, this stock is a pure bet on price gains through aggressive production expansion. Anyone who already has 10% tied up in Kinross should under no circumstances add K92 to their portfolio, otherwise the portfolio will become a pure commodities bet.
Mines are not buy-and-hold stocks for eternity. They are classic cyclicals that you buy when nobody wants them and from which you withdraw capital when (as is currently the case) everyone on Twitter and in the forums is cheering about them.
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•Thanks for the answer 👌
Could still invest the money in software companies for diversification, don't have anything there yet. I find Service Now, SAP, Wolters Kluwer, Vitec Software, Intuit, Salesforce interesting. Which two does Mr. Prompt think are the best? Especially with regard to AI disruption
Could still invest the money in software companies for diversification, don't have anything there yet. I find Service Now, SAP, Wolters Kluwer, Vitec Software, Intuit, Salesforce interesting. Which two does Mr. Prompt think are the best? Especially with regard to AI disruption
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•@investment_sage_bpszl I'm personally staying away from it at the moment, but here's Mr. PROMPT's answer
Here is the direct and unembellished answer for investment_sage_bpszl from the community.
If we reallocate the capital to software companies and apply your **"AI disruption "** filter hard as nails, your already very good list becomes a veritable battlefield. A brutal rule currently applies to software and artificial intelligence: *Either you own the proprietary data and platform to run the AI, or the AI simply automates your business model away.
We fillet your list according to this principle and select the two absolute winners.
### 1. the AI disruption filter: Who flies off the list immediately
* **Intuit (INTU):** **Out.** Intuit makes billions with TurboTax (tax returns) and QuickBooks (accounting). This is exactly the kind of standardized, rules-based forms work that can be completely automated by autonomous AI agents in the next 3 to 5 years. Intuit is hastily trying to integrate its own AI, but is massively in the crosshairs of disruption.
* **Salesforce (CRM):** **Out ** The CRM king has become sluggish. Growth is cooling noticeably and the in-house AI solution ("Einstein") has so far looked more like an expensive marketing plaster than a real, insurmountable moat compared to the rest of the industry.
* **Vitec Software:** **Too special** A fantastic Scandinavian "serial acquirer" (buys tiny niche software), but not a stock that leverages the global AI revolution in any significant way.
That leaves **ServiceNow**, **SAP** and **Wolters Kluwer**. Wolters Kluwer is a terrific information service provider, but for a real tech-software play, we filter out the two absolute heavyweights where AI is not a threat, but a huge turbo.
### 2nd Winner 1 (Aggressive Growth): ServiceNow (NOW)
**What they do:** ServiceNow is the digital nervous system for large corporations. They automate IT processes, human resources and customer service.
**Why AI is a turbo here:** ServiceNow is not disrupted by AI because they own the "action level" (the execution). An AI is worthless if it cannot trigger processes in a company. ServiceNow integrates Generative AI ("Now Assist") so that employees can solve complex IT tickets or initiate onboarding processes for new employees via chatbot in a matter of seconds. As ServiceNow is deeply rooted in the company's systems, this AI feeds itself with internal company data. This is an absolute moat.
**Fundamental check:**
* **Valuation:** With a P/E ratio above 50, the stock is visually extremely expensive.
** **Growth:** They are consistently growing at over 20% in sales and have a brutal free cash flow margin of often over 30%. You pay a massive premium here for absolute operational excellence and one of the strongest tech CEOs in the world (Bill McDermott).
### 3rd winner 2 (The European moat): SAP SE
**What they do:** SAP is the ERP (Enterprise Resource Planning) system that runs the global economy. When SAP goes down, global corporations grind to a halt and bills don't get paid.
**Why AI is a turbo here:** Nobody voluntarily rips a functioning SAP system out of their company - the switching costs and risks are astronomically high (brutal "stickiness"). SAP has the most valuable asset for AI: the real, highly sensitive financial and logistics data of corporations. With their own AI assistance ("Joule"), they are finally making this extremely complex (and often unpopular) system intuitive to use for normal users. SAP is using AI to force customers to upgrade to its own cloud in order to increase margins.
**Fundamental check:**
* **Valuation:** Following the massive transformation and cloud conversion, SAP is at a record high, the P/E ratio is in very sporty territory (around 40 on free cash flow).
** **Strength:** You are getting an unshakeable cash machine in your portfolio, which forms the European antithesis to US dominance and is currently delivering the strongest operating performance in years.
### Conclusion for diversification
If you want to diversify your portfolio and bet on software that survives and dominates the AI transformation, **ServiceNow** (for extreme but expensive US growth) and **SAP** (for unshakeable European monopoly) are your two premium candidates from this list.
Here is the direct and unembellished answer for investment_sage_bpszl from the community.
If we reallocate the capital to software companies and apply your **"AI disruption "** filter hard as nails, your already very good list becomes a veritable battlefield. A brutal rule currently applies to software and artificial intelligence: *Either you own the proprietary data and platform to run the AI, or the AI simply automates your business model away.
We fillet your list according to this principle and select the two absolute winners.
### 1. the AI disruption filter: Who flies off the list immediately
* **Intuit (INTU):** **Out.** Intuit makes billions with TurboTax (tax returns) and QuickBooks (accounting). This is exactly the kind of standardized, rules-based forms work that can be completely automated by autonomous AI agents in the next 3 to 5 years. Intuit is hastily trying to integrate its own AI, but is massively in the crosshairs of disruption.
* **Salesforce (CRM):** **Out ** The CRM king has become sluggish. Growth is cooling noticeably and the in-house AI solution ("Einstein") has so far looked more like an expensive marketing plaster than a real, insurmountable moat compared to the rest of the industry.
* **Vitec Software:** **Too special** A fantastic Scandinavian "serial acquirer" (buys tiny niche software), but not a stock that leverages the global AI revolution in any significant way.
That leaves **ServiceNow**, **SAP** and **Wolters Kluwer**. Wolters Kluwer is a terrific information service provider, but for a real tech-software play, we filter out the two absolute heavyweights where AI is not a threat, but a huge turbo.
### 2nd Winner 1 (Aggressive Growth): ServiceNow (NOW)
**What they do:** ServiceNow is the digital nervous system for large corporations. They automate IT processes, human resources and customer service.
**Why AI is a turbo here:** ServiceNow is not disrupted by AI because they own the "action level" (the execution). An AI is worthless if it cannot trigger processes in a company. ServiceNow integrates Generative AI ("Now Assist") so that employees can solve complex IT tickets or initiate onboarding processes for new employees via chatbot in a matter of seconds. As ServiceNow is deeply rooted in the company's systems, this AI feeds itself with internal company data. This is an absolute moat.
**Fundamental check:**
* **Valuation:** With a P/E ratio above 50, the stock is visually extremely expensive.
** **Growth:** They are consistently growing at over 20% in sales and have a brutal free cash flow margin of often over 30%. You pay a massive premium here for absolute operational excellence and one of the strongest tech CEOs in the world (Bill McDermott).
### 3rd winner 2 (The European moat): SAP SE
**What they do:** SAP is the ERP (Enterprise Resource Planning) system that runs the global economy. When SAP goes down, global corporations grind to a halt and bills don't get paid.
**Why AI is a turbo here:** Nobody voluntarily rips a functioning SAP system out of their company - the switching costs and risks are astronomically high (brutal "stickiness"). SAP has the most valuable asset for AI: the real, highly sensitive financial and logistics data of corporations. With their own AI assistance ("Joule"), they are finally making this extremely complex (and often unpopular) system intuitive to use for normal users. SAP is using AI to force customers to upgrade to its own cloud in order to increase margins.
**Fundamental check:**
* **Valuation:** Following the massive transformation and cloud conversion, SAP is at a record high, the P/E ratio is in very sporty territory (around 40 on free cash flow).
** **Strength:** You are getting an unshakeable cash machine in your portfolio, which forms the European antithesis to US dominance and is currently delivering the strongest operating performance in years.
### Conclusion for diversification
If you want to diversify your portfolio and bet on software that survives and dominates the AI transformation, **ServiceNow** (for extreme but expensive US growth) and **SAP** (for unshakeable European monopoly) are your two premium candidates from this list.
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•@Raketentoni and wolters kluwer?
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@Raketentoni
Why are you keeping your hands off it?
Is it something fundamental or because it doesn't fit your strategy at the moment?
Why are you keeping your hands off it?
Is it something fundamental or because it doesn't fit your strategy at the moment?
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@capital_captain_2693 of software shares until everything has settled down again with the ki. 😬 simply a personal decision
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