Revisiting Shopify (SHOP)

I’m not sure how closely anyone here follows Shopify these days. Ever since it stopped being a board favorite here after it’s big run from 2017 to 2019 (which in retrospect pales in comparison to their subsequent runs!), I haven’t paid too much attention to them, as an investment, in recent years.

But in recent weeks, after making purchases during about a half dozen black Friday / cyber Monday sales online and seeing that almost all of them used Shop to handle checkout/payment (which is a really simple/easy convenient customer friendly experience in my opinion), I felt like I should take a closer look at Shopify again before they report results for the holiday season this year.

I’ve taken three small starter positions this week in my otherwise very concentrated portfolio 1) Alphabet (GOOG) 2) Trade Desk (TTD) which I shouldn’t really call a “starter” position since it was my largest holding for a good chunk of the past five years, but I finally sold the last of my 2019 TTD shares in October, and with the stock price down in the $30’s now, I took a small bite back in and 3) now Shopify (SHOP)

My Personal Shopify Investing History

Like many that were on this board at the time, I started buying Shopify in early 2017 when the stock price was about $6 (split adjusted, it was trading in the $60’s at the time) and I ultimately sold 2+ years later toward the end of 2019 with my largest sales around $35 ($350 at the time before the split).

More than a five-bagger in two and a half years, not too shabby.

But when I look at the chart since then….WOW….the two big subsequent runs makes what we all considered a pretty incredible run from 2017-2019 look like a mediocre blip on the radar!

If I had held on another two years and timed my sale perfectly at the 2021 peak, it would have been a more than 20-bagger in less than five years. Interesting to look back at, but market timing has hardly been one of my strengths.

So What Now?

Today, SHOP is a $200 billion+ company already

According to this list, it’s the #79 largest public company in the world right now, by market cap bigger than Citgroup, Pepsico, Walt Disney, Intel and lots of other household names

https://companiesmarketcap.com/

A five bagger from here would require them to become a $1 trillion company.

The past two full years, Shopify has grown revenue +26% (in 2023 and 2024). During the peak seasonal holiday shopping fourth quarter, revenue growth accelerated last year, from +24% (Q4 2023) to +31% (Q4 2024)

In terms of profitability, in 2023, Shopify took a $1.3 billion impairment loss on its logistics business, resulting in annual bottom line results of -$1.4 billion annual operating loss and -$1.2 billion net loss. So excluding the impairment charge, they were essentially breakeven in 2023.

In 2024 last year, they grew their gross profit almost a billion dollars from $3.51 B in ’23 to $4.47 B in ’24, while reducing their operating expenses (even excluding the ’23 impairment charge) from $3.6 B in 2023 to $3.3 B in 2024, growing their operating income (again net of the ’23 impairment) from a small loss in 2023 to almost $1.1 billion in 2024.

OK, so that’s still a $1 billion profit (last year) on a $100 billion market cap company (today) growing at 26% in 2024. Still pretty pricey.

And This Year So Far?

For the nine months YTD of 2025 through Q3, Shopify grew revenue +30% from $6.1 billion to $7.9 billion. In the same nine month period of 2024, they grew only +23% from $4.9B to $6.1B. For the most recent quarter, in Q3’25 revenue growth was even stronger at almost $32%.

Pretty solid acceleration which has helped drive the stock price up more than +50% so far this year.

Operating Income has grown +37% from $837 million for 9mos 2025 from $610 million in ’24. I haven’t dug into the details yet, but it looks like they’ve recorded about -$400m of unrealized losses on investments so far in 2025, which has caused the net income bottom line to decrease from $726m (9mos ’24) to $488m (9mos ’25)

Management guidance for the fourth quarter of 2025:

-Revenue to grow at mid-to-high twenties percentage rate YOY

-Gross profit dollars to grow at a low-to-mid twenties percentage rate YOY

-Operating expense as a percentage of revenue to be 30% to 31%

-Stock based comp $130 million

-Free cash flow margin to be slightly above Q3 2025

Assuming there is some sandbagging built into their revenue guidance (I haven’t gone back to look at recent results to see how sandbagger-ish they have been lately) and they come in, in the low 30%’s revenue growth, that would be pretty solid continued acceleration especially considering the size and scale that Shopify has grown into

I’m less crazy about seeing the range of gross profit dollars growing approx. 5% slower than the revenue growth rate guidance, so that gives me some pause unless there has been some big nonrecurring or one off operating expenses in 2025. Considering that their opex (net of impairment) decreased from ’23 to ’24 last year, I might give them the benefit of the doubt regarding their spending and cost discipline.

So………?

All told, it looks like the solid company that we know SHOP to be, moving in the right direction, and accelerating in recent years. But the price they’re selling for today, to me, makes this far from a no-brainer.

From what I’ve heard, the holiday shopping season is off to a very strong start this year, so that certainly bodes well for Shopify in the short term.

I don’t think I’ve convinced myself to take a much bigger stake going into the Q4 results (which should come out the second week of February) but I’ll probably hold onto the small tryout position I bought this week until we see those results, barring any other extraordinary looking opportunities appearing (or a big run up ahead of earnings) that make me want to sell and reallocate the funds.

Is anyone else still following Shopify? Anything I’m missing or should also be considering?

-mekong

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Astute point about seeing SHOP checkout everywhere, I can second that, even as a Brit predominantly buying from British brands.

I had a substantial position between 2016 and 2023, and it was more than a 50x for me. I finally sold the last of my position last year, concerned about their flip-flopping on logistics, and that they’d made several unforced errors and had now given up a large part of their moat vs something like a Wix or WooCommerce. But I may have been too hasty (even though this was a multi-year decision!).

One news story I caught yesterday that put $SHOP firmly back on my radar was this announcement that they now have a capability they’re calling SimGym - a system that creates “digital customers” that behave like real ones - in place of traditional A/B testing. This tweet from Tobi relates:

Thanks for putting it back on my radar. :+1:

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Hi Mekong - interesting post. Shopify remains my #1 position at ~10% and like my portfolio last month, just regained its post 2021 all time high.

You covered off their trading performance and some strategic decisions around exiting logistics (although they leverage that now in partnership which comes with an investment stake - so now they still have the offering and moat but it doesn’t weigh on their P&L which immediately flipped the whole Shopify business into profit).

There are a number of additional growth drivers they are tapped into which together with future opportunities for value creation and realisation means overall Shopify still has enormous potential ahead.

First off - and looking at the above chart, as with a number of our SaaS plays from the 2020/21 boom/bust era, Shopify has genuinely made good on trading into its valuation rather than simply experiencing a repeated cycle of speculation in its share price/valuation.

For those that used to follow Shopify once but haven’t in recent years, let me try to fill in the gap and then layout the growth drivers and potential growth/value crystallisation opportunities ahead…

Shopify’s business model combines subscription fees with merchant service and transaction fees. Back in 2020/21 alongside the rest of the SaaS universe Shopify was experiencing the inevitable revenue growth decline from hyper growth to 30%+ and 20%+ growth levels.

The motion then - which has continued, was of underlying tailwind growth vectors made up of core eCommerce demand coming from the shift from physical retail to online, combined in with the rise in mobile commerce and social commerce trends.

The Shopify Business As Usual story continued - with growth in its merchants and growth in its GMV and transaction levels and continued penetration of its customer base with its value added solutions including Shop Pay, Shop Capital, Shop fulfilment (including the logistics operations) all whilst continuing to convert more base customers to Shopify plus subscriptions.

There were a number of incremental growth opportunities and levers that helped them arrest the declining growth rates at the mid teens level in 2022/23 and secure re-acceleration back to the 30% growth rate by 2024 and increasing profitability.

1) Solution Additions… Shopify introduced via key partners (including Affirm, Global e and shipping partners), native built in solutions within the core Shopify platform for BNPL, Fulfilment, Product and Consumer sourcing which attracted new merchants, supported merchant retention and enabled incremental fees

2) Physical Retail/POS… Shopify made a decisive push into unified commerce with a physical POS solution for instore/physical retailing outlets which helped them land hybrid and traditional retail rather than just online

3) Enterprise/Components… Shopify apart from targeting larger merchants, started to offer enterprise customers the opportunities to buy elements or components of its commerce tech stack which was a way to work with Enterprise merchants to add specific value to pre-existing merchant operations.

4) International… Shopify doubled down on the under penetrated but faster nascent growth opportunity beyond simply US and Canada. They exploded the number of languages that the Shopify platform could support in full. They introduced certain solutions that were originally piloted and launched in North America but yet to globalise (Shop Pay, Shop BNPL, Shop Capital etc).

5) Cross Border Commerce… Shopify partnered with Global-e Online to build Shop Markets which allows merchants to address all cross border commerce complexities in terms of pricing and FX, tax and duties, paperwork, shipping and returns. Cross border rather than local to local commerce has exploded both in the International region and in North America.

6) B2B… Shopify is going beyond supporting Merchants just sourcing products with its B2B platform offering. This provides a whole new revenue stream in a massive new market that has been growing at very high levels.

7) Pricing… Shopify took the opportunity as many SaaS companies did to increase its subscription fee pricing and value added service pricing which yes delivered growth re-acceleration but also permanently stepped up its take rate from 1-2% to above 3%.

Ok so what lies ahead for Shopify?

Well, on top of the multi decade opportunity ahead of continued eCommerce penetration of total commerce, many of these current trends are tailwinds that Shopify continues to tap into - including International + cross border commerce, Offline to Online & unified commerce, Enterprise and B2B.

Clearly as Amazon and MercadoLibre have demonstrated, Shopify has a potential revenue opportunity in Advertising.

Emerging and future gigantic commerce opportunities that Shopify is focused on include live commerce and agentic commerce which will no doubt continue to explode in the future.

Additionally, Shopify has stakes in Affirm, Global-e Online, Flexport and Stripe which once realised could crystallise some interesting financial returns for the company.

Finally just to come back to the intrinsic opportunity and runway for Shopify beyond growth vectors playing out and reaching the eventual terminal growth rate whatever and whenever that might be, in my mind Shopify has a formidable opportunity to keep increasing pricing and raising its take rate.

I can’t think of a company that provides more of the backbone and supporting operations to any business than Shopify does for its merchants. Yet it all comes at a take rate of 3-4%. Every other eCommerce platform (from Amazon to MercadoLibre to eBay) or even eCommerce solution providers (like Globale Online) operates at double digit take rates. Credit card operators take as much as Shopify does and they are purely supporting payments alone.

Hope this helps fill in the gaps and bring folks up to speed.
Ant

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I’ve recently taken a renewed interest in SHOP based on it’s rollout with OpenAI. As a consumer, when I remember I need something, I often just get on Amazon and buy it. I might do a little price comparison offsite, but I usually just go with Amazon for convenience, free shipping, easy to track, easy to return, easy to compare products using their reviews, etc. In other words, no friction.

But with ChatGPT (and others) allowing me to easily scour the Internet more intelligently (Including Amazon’s site) might we see a shifting sales mix from Amazon to the B2C sellers? My son’s own business sells to customers directly, but won’t use Amazon as they want to “own the customer” and they are betting they will expand their marketplace with better search as promised with ChatGPT/SHOP… Comments?

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This seemed an interesting follow up deal relating to Agentic AI shopping…

If you have access to SA.

https://seekingalpha.com/news/4538217-google-expands-gemini-shopping-with-walmart-wayfair-shopify

"Google said Sunday it is broadening the shopping capabilities of its Gemini AI chatbot through partnerships with major retailers including Walmart, Shopify and Wayfair, positioning the app as both a shopping assistant and a transactional platform.

Under the expansion, Gemini will offer instant checkout for certain merchants, allowing users to complete purchases through various payment providers without leaving the chat interface used to discover products, Walmart and Google said."…

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Shopify looks like an interesting company to do a post mortem on here. Also, since they are accelerating revenue growth, up to 30% YOY and have round tripped their stock price to finally be where it was 5 years ago this seems to be a nice TMF Rule Breaker buy-and-hold company and falls short of being a “Saul” stock.

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Prior, I would either do a google search to find an item I wanted to buy, or (more likely) I’d go straight to Amazon and use product reviews to select and buy an item. Amazon is easy, where if I was going to buy the item from another source, I might have to figure out if they are charging shipping, or setup an account, type in my credit card, etc. Not so seemless. And returns? So easy to drop it off at my local Whole Foods.

Going forward, if Google (or ChatGPT) can provide a much wider search (beyond Amazon) and it becomes as seemless, then Amazon loses at least some of their advantage and independent merchants who do not want to be on Amazon, can better compete.

Besides Google and Open AI winning here at Amazon’s expense, perhaps Shopify is a big winner, along with payment folks. SHOP still sells at 16x forward EV/S and 89x Forward FCF, so perhaps not a forgotten stock beyond this board?

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Don’t let this guy’s beanie and Legos in the background confuse you - he actually knows his AI stuff really well. This video is on Shopify’s CEO’s April letter about the company and its AI push:

TL:DW; Shopify has been early with AI, and headcount has been declining long before the ChatGPT moment. However, the company is how looking to more than 10X its intern count because they see people out of college being more “AI native,” in what he calls “A U shaped hiring curve,” meaning hiring of very senior people as well as very junior people, with those in the middle getting squeezed out.

He thinks the memo from Tobias Lütke may be looked at in the future as some milestone in AI adoption. There’s also some discussion of his Red Queen attitude and other Shopify business approaches.

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OH WOW…Dude, your video link finally pushed me over the edge of trying AI. Seriously. I am like WAY old (56, lol) and I have scoffed at AI claims they can make me more efficient or better.

Literally just logged back into work to see what kinds of project notes can be collated and what Copilot would suggest. As my workplace is trying to modernize a bunch of IT stuff, my projects are getting bigger, more complex and interacting with other projects. It was getting a bit mind boggling.

What I just learned gives me a bit of hope that using AI would help me remember those many dependencies and cross project tasks…sooner and more accurately. (And probably other things like making my nagging more automated and less ‘personal’.)

Interesting.

Oh, and as for SHOP. Nothing new to add, owned it for many years but hearing the operational moves put in context helps reassure me on this holding.

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In his video today, Nate Jones pointed out that “Cursor went from a million dollars to $500 million in annual revenue faster than any SAAS company in history.”

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