Intuit

$INTU (+2,99%) | Intuit Q1 Earnings Highlights:

🔹 Adjusted EPS: $2.50 (Est. $2.35) 🟢

🔹 Revenue: $3.28B (Est. $3.14B) 🟢; UP +10% YoY

Q2 Guidance:

🔹 Revenue: $3.81B-$3.85B (Est. $3.88B) 🔴; UP +13-14% YoY

🔹 Adjusted EPS: $2.55-$2.61 (Est. $3.25) 🔴

FY25 Guidance:

🔹 Revenue: $18.16B-$18.35B (Est. $18.26B) 🟡; UP +12-13% YoY

🔹 Non-GAAP Operating Income: $7.24B-$7.32B; UP +13-14% YoY

🔹 Non-GAAP EPS: $19.16-$19.36; UP +13-14% YoY

OTHER Q1 METRICS:

🔹 Service Revenue: $2.89B

🔹 Product/Other Revenue: $394M

🔹 GAAP Net Income: $197M; DOWN -18% YoY

🔹 Non-GAAP Operating Income: $953M; DOWN -1% YoY

🔹 R&D Expenses: $704M (Est. $722.6M) 🟡

Q1 SEGMENTS:

Global Business Solutions Group:

🔹 Revenue: $2.50B; UP +9% YoY

🔹 Online Ecosystem Revenue: $1.90B (Est. $1.97B) 🔴; UP +20% YoY

🔹 Desktop Ecosystem Revenue: $480M (Est. $580.7M) 🔴; DOWN -17% YoY

🔸 Credit Karma Revenue: $524M (Est. $430M) 🟢; UP +29% YoY

🔸 Consumer Group Revenue: $176M (Est. $168.6M) 🟢; DOWN -6% YoY

🔸 ProTax Group Revenue: $39M (Est. $37.6M) 🟡; DOWN -7% YoY

Profitability Metrics:

🔹 GAAP Operating Income: $271M; DOWN -12% YoY

🔹 GAAP EPS: $0.70; DOWN -18% YoY

🔹 Non-GAAP Operating Margin: 29.0% (Est. 28.6%) 🟡

Cash Flow and Balance Sheet:

🔹 Cash & Investments: $3.4B

🔹 Total Debt: $6.1B

🔹 Share Repurchases: $570M

🔹 Quarterly Dividend: $1.04 per share (+16% YoY)

Management Commentary:

🔸 CEO Sasan Goodarzi:

"We've had a strong start to the year as we demonstrate the power of Intuit's AI-driven expert platform strategy. By delivering 'done-for-you' experiences enabled by AI, we continue to fuel the success of consumers and businesses."

Road to 40k by 21

Focus 99.99% on dividend growth 

Hi everyone today’s market looks kinda sad so far, I just wanted to share my new entry position of $INTU (+2,99%) stock, bc the current price looks reasonable for me and also add more shares of $MSFT (+0,55%) , $MRK (+0,63%)

Sold out 50 shares of $PLTR (+0,87%) and took a profit of around 50% ( it’s never wrong to take profit I guess) 

Any thoughts on it

Intuit Earnings $INTU (+2,99%)

🔵$PYPL (+0,49%) ANALYSIS - PART 1

1) COMPANY OVERVIEW

PayPal $PYPL (+0,49%) is a globally recognized financial technology company that revolutionized online payments, enabling secure and convenient transactions between individuals and businesses. Serving as a digital alternative to traditional methods, PayPal facilitates online money transfers, eliminating the hassle of checks and money orders. With over 400 million active accounts worldwide, PayPal has become an integral part of the digital commerce ecosystem.

2) SERVICES

PayPal's Payment Solutions include P2P (Included PayPal App and Venmo), Branded and Unbranded Checkout (Braintree) and other small business divisions (figure 1).

Figure 2 represents revenue segments for $PYPL (+0,49%) in 2021 and 2022, in particular Branded Checkout is becoming less important while Unbranded checkout is growing strong and double digit.

3) MARKET ANALYSIS

- Digital Payments: based on a Polaris Market Research "The global digital payment market" was valued at USD 88.50 billion in 2021 and is expected to grow at a CAGR of 15.7% during the 2021-2030 period (Figure 3).

- Unbranded Checkout: data of Bridge Market Research analysis show that the self-checkout systems market, valued at USD 3.91 billion in 2022, will reach USD 7.43 billion by 2030, growing at a CAGR of 8.37% during the forecast period of 2023 to 2030 (Figure 4).

4) COMPETITORS

- Stripe: a popular payment processing platform, it is a good choice for businesses of all sizes.

- Adyen: $ADYEN (+2,48%) operates the most used unbranded checkout (direct competitors of Braintree)

- Square: $SQ (+1,22%) is another popular payment processing platform that is particularly well-suited for small businesses. Square offers a variety of point-of-sale (POS) systems.

- Google Pay $GOOG (+0,73%) and Apple pay $AAPL: (+0,91%) mobile payment platforms that can be used to make in-store and online purchases.

5) RISKS

-Cybersecurity risk: Paypal stores sensibile data for more than 400 million users.

-Competitors risk: as I said before PayPal has lot of competitors and if they are not able to upgrade the technology of payments while maintain high quality services they'll surely lose market shares.

Company like Adyen are currently growing faster than PayPal and that's a big threat for the future.

6) OPPORTUNITIES

- New CEO: Alex Chriss @acce became the new CEO in September 2023 after leaving his important position in Intuit $INTU (+2,99%).

- Expanding in new markets can be a potential growth opportunity for capturing new users and increase revenue.

- Focus on the quality of their products and increase the revenue per users.

- Selling to business other secondary services as the new CEO said during Q3