Wpr101's November 2024 portfolio review

Zen Mind. Beginner Mind.

My portfolio at the end of November 2024 is,

AppLovin (APP) - 21.7%
Astera Labs (ALAB) - 19.2%
Reddit (RDDT) - 19.2%
Hims & Hers Health (HIMS) - 15.1%
Paymentus (PAY) - 9.2%
Micron (MU) - 9.1%
Natera (NTRA) - 2.5%
ACV Auctions (ACVA) - 2.0%
The Real Brokerage (REAX) - 2.0%

My portfolio is up 145% YTD, and that is with no options, margin, or leverage of any kind. Driving the huge results were APP, ALAB, RDDT, and HIMS which were my top positions going into November and each delivered stellar earnings report.

However, I sold out of five positions from last month which were Powell Industries (POWL), Castle Biosciences (CSTL), Harrow (HROW), EverQuote (EVER), Nvidia (NVDA). Additionally, I had a position for most of the month in Argan (AGX) but sold that company towards the end of the month.

I sold out of these positions before finding any new companies. Actually I was on a bit of a drought finding companies at the beginning of the month, but the end of the was extremely fruitful, finding four new companies to invest in: Paymentus (PAY), The Real Brokerage (REAX), ACV Auctions (ACV), Natera (NTRA).


Reviewing the companies I own,

AppLovin (APP) - 21.7%
The company had a good quarter, but I was surprised by how much the stock price rallied on the report. The market finally seems to be waking up to the opportunity here as this company was a laggard in my portfolio for six months. There is a lot of enthusiasm from the web pilot and I typed up some thoughts on the earnings report here.

There was also a really interesting thread diving into the early results on the web pilot. The CEO mentioned there was a lot of buzz on Twitter about the web pilot, and looking at some of those tweets it’s incredibly encouraging. From what I gather, their web pilot is getting better ROI on ad spend than META achieves. If that turns out to be true and the product is automated and self service, I don’t see any reason why AppLovin couldn’t reach a trillion dollar market cap.

Astera Labs (ALAB) - 19.2%
Despite being my second highest allocation, Astera Labs is my top conviction stock. I wrote about how the company surpassed their guidance significantly. Revenue was up 47% quarter over quarter which is crazy. With their biggest competitor being Broadcom at nearly 50x the size and still growing, I see Astera as the company with the most potential for multi-bagger results.

Reddit (RDDT) - 19.2%
Reddit delivered a really nice quarter, also exceeding the guidance by a wide margin. I wrote about the results in this thread. The biggest upside I see is that the entire Reddit corpus is being translated into the world’s languages. It cost the company only 1M to translate the language through an LLM. In turn, they get tons more pages searchable and indexable by Google, or more real estate to sell ads on. The company has barely started putting ads into the comment section on Reddit and there is a lot of greenfield ad space.

Hims & Hers Health (HIMS) - 15.1%
HIMS had a great report which I wrote up here. The company is guiding for 90% revenue growth and getting more profitable.

The big news of the month was Amazon getting more involved in their pharmacy business. The stock dropped from $30 to $20 in a couple days which I felt was an overreaction. Despite that I was a bit panicked at the story and the stock drop and I trimmed some of my position. Previously my thesis around HIMS was that they just had some low tier, low cost competitors who were not providing anything interesting. I do believe that Amazon can potentially chew away at that lower end of the market on the low costs generics. In retrospect, I wish I had taken a little more time before trimming a third of my position because the big drop already priced in a lot of negativity.

Paymentus (PAY) - 9.2%
This fascinating SaaS company flew under the radar in the 2021 IPO class of companies, and they just put up their best result ever. There is a starter thread detailing the prospects for this company. The price/sales is very attractive along with being GAAP profitable already. I believe this stock has the potential to deliver results very quickly as the market learns about the company. This last quarter was 232M of revenue, +52% yoy and that includes 14M of GAAP net income. Yet the company market cap is less than 5B making it attractive from a value standpoint.

Micron (MU) - 9.1%
Micron has been the biggest laggard in my portfolio for companies I am holding, and I’ve trimmed a little bit of the position. I bought into them last time after a phenomenal earnings but the market has trended down on them since. The all time high for this company comes earlier this year getting up to $160 a share and it now sits at less than $100 a share. The market cap is already 110B which is big but the company had 7.75B of revenue, 3.43B of EBITDA, and 0.87B of net income last quarter.

There seems to be a lot of pessimism on Micron from reports coming out about the memory situation. I haven’t done much digging into the South Korean competitors recently to see if that is driving it. However, Micron has a more energy efficient system than their competitors so they could be taking market share. I’ll wait for the results on December 18 to see how they report before making any big moves here.

Natera (NTRA) - 2.5%
Natera does DNA testing and last quarter came at 440M revenue and 64% revenue growth. The company is still unprofitable but I believe they can reach break even soon as cash flows are improving. I’ve had this company on my radar a few times before but written them off because of profitability concerns. However, this is probably the strongest quarter they have ever had as public company and business is booming. My biggest concern is that the market cap of this company is already 20B, so the market is pricing in a lot of optimism already. However, there is enough for me to be interested in a starter position.

ACV Auctions (ACVA) - 2.0%
This wholesale car auction company is firing on all cylinders. Revenue growth got up to 44% this past quarter and the commentary from the last earnings call is strong. The company is also trending towards profitability as they see more leverage as they scale. Currently the company deals with retail cars, some 10M or so standard driver cars, but they are also entering the commercial market which presents some upside.

The company has a system to auto inspect cars and provide a detailed report. It goes as deep as recording the engine sound, running it through AI to see what problems the car may have. The bidders in the wholesale auction then have a lot more complete idea of the value of the car as opposed to the old fashioned method of “kicking the tires” or just visually inspecting the car. This also allows dealerships of different types to be able to buy virtually any car, even if it is not the same brand.

The Real Brokerage (REAX) - 2.0%
This real estate brokerage is the only one in the industry that is growing, and agent growth is above 70%. This is a fairly unusual business model as I discussed in this thread. Much of the commission for real estate transactions is a pass through to the agents, where REAX keeps maybe ~10% overall when all things are accounted for. This makes the gross margin on the company low, and if that was all there was to the company I would not be investing. However, they have a number other initiatives which are higher margin and gaining traction. This is my lowest confidence position simply because I’d want to see the company prove their transition to a fintech is working before adding more to my position.


Companies I sold this month are,

Nvidia (NVDA)
The company has been delivering between 4-5B of net new revenue for over the past year. On the first quarter of AI sales, the company added 6B of net new revenue and the quarter over quarter increase in revenue was nearly 90%. Now when the company goes from 30B → 35B in revenue it is not moving the needle as much. They guided to 37.5B in revenue which would be an even smaller increase, and even if they beat by the same amount of 2.5B and land at 40B, going from 35 → 40 is smaller than going 30 → 35.

Additionally, the company has had some concerns raised with heating for their designs of the NVL72 system. Jensen was asked about this on the call directly and instead of answering talked about the miracle that is Blackwell. That was not reassuring to me as an investor taking a close look at this issue. If there is even a slight delay and a miss on deliveries on their bigger system it could mean a missing reaching that 40B in revenue next quarter.

Lastly, when the company Astera came up, some on the board mentioned Astera’s solutions could be useless since Nvidia is building the next generation of networking solutions and Ethernet standards that will be a monopoly. Nvidia mentioned this quarter that networking revenue was down quarter over quarter and did not explain why. To me this indicates that their standards are not taking over, and hyperscalers are opting for their own solution. While networking is not a huge portion of Nvidia’s revenue, as investor I would really like to see these new opportunities for a TAM increase to be taking off.

Powell Industries (POWL)
Revenue came in at 275M (+32%) and was down from 288M last quarter. That definitely was not the headline number I wanted, and I had previously thought the company may hit a wall on capacity as they only have some many engineers to build physically. Additionally, the companies revenues are coming from sales that were booked over a year ago so they company is still churning through less data center type projects. I believe this company will do well but probably is not growing fast enough to be interested anymore. It would be smart to check back in on them again once they are processing those data center orders as I believe it will boost growth.

Argan (AGX)
I sold Argan in tandem with POWL. While not competitors they companies both benefit from increasing energy needs of data centers. They are build agnostic among nuclear, solar, gas, or wind. Their backlog is huge, but similar to POWL they are processing projects from a year+ ago. Again, this is probably a great company to invest in, but I am looking for slightly more consistent growth over the long term.

Castle Biosciences (CSTL)
The company beat the analyst estimates but revenue declined sequentially which turned me off from wanting to own anything here. For those still interesting there was a thread discussing the company over here.

Harrow (HROW)
On the previous quarter revenue had gone from 35M to 49M on some stunning metrics. However, this quarter saw revenue again come in at 49M which was in my opinion a very poor result. I was fine with getting out a ~20% loss on a result which I thought the share price could have lost more. The company mid quarter reorganized how they do some sales and this impacted revenue in a strange way. Additionally, something which was a yellow/red flag to me on this company is that the CFO is non-present on talks and earnings calls, it’s a one man show. I have seen this before with companies like BEEM and AEHR where the one man show is a warning sign. It’s simply not possible to one person to handle all aspects of a business, and a good leader recruits a team.

EverQuote (EVER)
This company actually beat their impressive guidance, landing at 163% yoy growth but they guided down significantly. There was some seasonality in the business I did not know about. I researched into why insurance is doing so well as a sector recently. Apparently legacy providers in both car and home insurance jacked up rates and consumers are scrambling to switch. It seems like a game of musical chairs to me, and companies like EverQuote won’t be getting the same number of referrals once the music stops.

In one of the most bizarre situations I’ve seen in the market, there are two almost identical companies to EverQuote which are MediaAlpha (MAX) and QuinStreet (QNST). It simply was not worth the time deep diving on these other companies after writing off the business model for EverQuote.


Companies I researched this month were,

Innodata (INOD)
They provide a range of services focused on AI and data management, even doing some nitty gritty things like fine tuning of LLMs for company specific projects. Revenue had a huge jump up from 33M → 52M this past quarter and they are profitable. However the company is very heavy on consulting, and has an enormous 5,000 employees for their market cap.

Tempus AI (TEM)
They use AI to advance medicine with genetic information, and clinical trail data. It is one of the largest sequencers of cancer patients in the world, creating intelligent diagnostics. The company is growing 33% but still deeply unprofitable with -76M of net income the last quarter. They made an acquisition recently too. I’d want to see them digest the acquisition and get closer to profitability before looking again.

PowerFleet (AIOT)
They are a competitor with Samsara (IOT) and GeoTab. Hilariously they seem to have practically copied IOT’s stock symbol too. It’s the same marketing apparently, improving driver safety using trackers and AI. They’ve been public awhile though since 1999 and used to be called “I.D. Systems”. There are also two acquisitions on record which is why revenue shot up so big two quarters ago from 34M → 77M. I would really want to see them take market share from competitors before having any more interest.

SiTime (SITM)
They make some semiconductor components and I don’t quite understand their market. Revenue is up 64% yoy which is promising but past revenue bumps seem lumpy. What is holding me back here is the company was not only growing more in 2022 but was more profitable. That is a very different story than most of the other hardware players who have seen accelerations since 2022, leading me to believe there are some negative aspects to the business that I do not understand.

Krystal Biotech (KRYS)
They make genetic medicines for rare and serious diseases in the fields of dermatology, respiratory, and oncology. VYJUVEK is their first FDA approved product which is a re-dosable topical for DEB, a rare skin condition. I decided against investing after learning the company has only 460 patients on their key product. They say they can get up to 700 patients, but this is nearly $187k in revenue per patient if I calculated correctly. The product seems way overpriced and the TAM of patients is tiny. My biggest concern is some therapeutic could treat the underlying condition at some point, although I know next to nothing about this rare skin condition.


Overall I a thrilled with the results my strategy has been producing gaining 145% year to date. I believe the strategy of reallocating to the best risk/reward opportunities for growing companies works far superior to just buying good long term companies.

Surprisingly I looked back at my portfolio since the beginning of the year and discovered I do not hold a single one of those companies any more. Not getting attached to companies is a key part of my philosophy, and I believe that bunkering down on a company which underdelivered on results is going to underperform. I try and make sure that each company I am owning has amazing prospects for the next quarter as a basis for what I own.

98 Likes

Hi @wpr101 as I’m sure you know, I have a lot of respect for your investment decisions - anyone that can turn in 145% portfolio improvement in less than a year deserves a lot of respect for their investment decisions.

Anyway, I wanted to question the sale of your Nvidia position. I see the situation somewhat differently so I was wondering if you had some other motivations that you didn’t document.

First off, your comment about the effects of the law of large numbers can’t be denied. It is what it is. The larger the base, the smaller the percentage gain from the same numerical increment. It’s math, not esoteric investment analysis. But, a not too different argument could be made about your (and my) largest position, Applovin. If measured by enterprise value, they are in the top 125 largest US publicly traded companies. How much future growth is already priced into the stock? Like you, I believe that the stock price still has quite a way to go before it levels off. But, there’s lot of uncertainty in the market at present, they could be hit pretty hard by correction, rampant inflation, elimination of trillions in discretionary spending, war with Mexico, or who knows what? Of course, any of those would be pretty devastating for all equities. My point is, both NVDA and APP are up against some very large numbers. The risk for both companies isn’t the same, but significant nonetheless. I just don’t find this argument very compelling.

Then you mentioned that an analyst mentioned the reported Blackwell overheating issue and that Jensen was evasive. I didn’t recall that from my reading of CC transcript so I went back to look for it.

What I found was this from Goldman Sachs analyst, Toshiya Hari, “There were some reports over the weekend about some heating issues.” Not even a question, just a statement at the beginning of a fairly long multi-question comment. True, Jensen did not address the reported heating issue, but he wasn’t really asked about it.

Rather, he responded, “The Blackwell systems go in air-cooled or liquid-cooled, NVLink 8 or NVLink 72 or NVLink 8, NVLink 36, NVLink 72. We have x86 or Grace. And the integration of all of those systems into the world’s data centers is nothing short of a miracle. And so the component supply chain necessary to ramp at this scale, you have to go back and take a look at how much Blackwell we shipped last quarter, which was 0. And in terms of how much Blackwell total systems will ship this quarter, which is measured in billions, the ramp is incredible.” It seems to me that going from zero in one quarter to billions in the next is indeed and incredible ramp. A ramp that does not seem to be impaired by overheating issues - and note, Jensen went out of his way to say that Blackwell systems go into air cooled and water cooled systems.

Nvidia is no longer my largest position, I’ve taken some profits and other positions have recently grown faster. But it’s still a fairly large position and the comment that you sold your entire position made me go back and take a second look. After doing so, I still don’t feel like I should sell my position. Obviously, we each make our own decisions for our own reasons, but this decision of yours made me wonder if you were holding anything back.

26 Likes

Haven’t they already defied the law of large numbers? I mean, quarter after quarter? And once Blackwell is out, I think we’re into another growth surge. AND, if there’s any leader who deserves faith, it’s Jensen. Leadership is something I put near the top of my priorities. I started investing in NVDA in 2021 because I considered them an aggressive QQQ, investing in every part of tech: EV, AI, Data Centers, Gaming, Crypto, etc… I didn’t think AI would take off like it did, but I’m glad I’ve kept my shares. They’ve offset a lot of bad investments.

13 Likes

@brittlerock
I wasn’t holding back in my reasoning for selling Nvidia but there are definitely some points I could expand upon.

When we zoom out a bit on Nvidia’s revenue growth it goes like,

5.9B → 6.1 → 7.2 → 13.5 → 18.1 → 22.1 → 26 → 30 → 35.1

The quarter over quarter changes for these numbers are,

3.39% → 18 → 87.5 → 34.1 → 22.1 → 17.7 → 15.4 → 17

The real buy signal for this company was when the revenue jumped from going to +18% to reaching +87.5% quarter over quarter. I missed that first opportunity though simply because I usually write off investing in companies of Nvidia’s size back then which was already over 500B. Also I had not seen hardware companies really outperforming like this before and thought it was cyclical per usual.

Checking how much the return is since holding after buying in on that earnings report it’s returned +188% which is the type of return I am targeting. To put it in more simple terms, I’m really looking for a company which can triple in two years or less.

Here something from the Knowledge Base that I find very accurate,

When I look at Nvidia’s current prospects right now where they just landed at 35B and are guiding for 37.5B I do not see how it is enough where the company can triple again that easily. Let’s say they land at 40B next quarter, what do we expect the stock to do, maybe be up 5-10%, or even flat? Let’s assume it’s more of a blowout, revenue at 45B with strong profitability, then maybe it could be up 20% or so?

Meanwhile there are companies I am investing in such as Paymentus, where if their next quarterly report is a blowout, I could see the company doubling in value. Looking back at Supermicro I was fortunate to get in early on their growth ramp up where some shares were a 12-bagger in less than a year. Nvidia as I see it, currently does not have anywhere close to the level of potential upside.


With regards to APP there are still clear accelerations in their numbers. For example net income went from 310M → 434M this last quarter, that is a 40% increase quarter over quarter in profitability. It has slightly more net income than ServiceNow, which is a 217B company. I have never heard anybody say, asking if we are sure ServiceNow, a company most people outside of tech or investing have never heard of, should really be valued as the 52nd most valuable company in the world.

Why should ServiceNow have double the P/E and valuation that AppLovin does? Simply because it is SaaS? AppLovin’s revenue has no seasonality at all, requires no contracts, has more demand than they can handle, and has practically all revenue falls straight through to EBITDA. Their business model is objectively more profitable to any SaaS company by a wide margin. AppLovin’s business requires no marketing, no salesforce, and therefore it has much less operating expenses.

With AppLovin entering e-commerce advertising, this wildly expands their TAM. The early reports on the pilot show it outperforming META on e-commerce ads. Meta is fourteen times the size of AppLovin, but if AppLovin now had a better ROI for doing ads, they can take a lot of that business away from Meta.

Comparing AppLovin to Nvidia, one potential avenue I saw to Nvidia expanding their TAM was with their Infiniband and SpectrumX products that could be the next proprietary form of ethernet. Adding one more proprietary standard to their wheelhouse would keep driving the TAM increase. I was kind of expecting these standards to be already taking hold if the bull case is playing out but instead they reported networking revenue is down quarter over quarter. The market is already well aware that Nvidia has a huge TAM in the data center area, so there is less chance to surprise the market to the upside.

AppLovin has nearly zero competition in the gaming space. Nvidia has had this advantage for a long time as well, however there is a scenario where they may be leaving the door wide open to the competition catching up and that is with this heating issue on the NVL72. Let’s assume the reports are true, and building the NVL72 systems sometimes experiences a heating issue. These systems cost about 3-4M a piece so it’s a pricey piece of hardware to replace if it gets fried. Just having a tiny percentage of the machines overheat can have a big impact on this business. It could delay future release cycles and allow the competition to build superior thermal solutions. My take is that many bull investors are vastly underappreciating this bear case potential outcome.

39 Likes

No doubt that Nvidia seems to have defied the law of large numbers already as practically nobody prior to 2022 with generative AI expected a hardware company to be able to accelerate like this. It is an incredible accomplishment, but that accomplishment is looking back now, or in the past. Can they beat the law of large numbers once again is really what I am wondering. To me that would mean reaching a 10T market cap in a couple years on a road to 30-50T in market cap. It is possible that can happen since the data centers need to be rebuilt. However, there are other companies I see having a easier path to getting these types of percentage gains.

To give a couple examples, there was a company Sezzle (SEZL) I was looking at back in my August write up and the market cap was ~750M then, currently the company is valued at 2.4B or has more than tripled in four months. I saw a few drawbacks with the company, specifically a metric the executives were looking to obscure so I sold the small starter position I had there. There is another company ROOT which had a one day 200% return which board members identified.

I would really rather be looking to find the next Sezzle or Root to drive returns, rather than be invested in the top market cap company which has virtually no chance to get this huge type of return in the near term. I do believe Nvidia will do well in the long term, so I don’t think it’s a bad stock but I like the risk/reward better from other companies. I currently see Nvidia as low risk, medium/low reward while I am targeting companies that are more medium or high risk with high reward.


AND, if there’s any leader who deserves faith, it’s Jensen. Leadership is something I put near the top of my priorities.

Jensen is no doubt a great leader and I doubt the company would have gotten anywhere close to this far without his visionary leadership.

One unusual aspect to my investing style is that I don’t place a whole lot of emphasis on leadership profiles. I believe that when a public company gets above 40% revenue growth it basically self selects for good leadership. It usually means the CEO knows how to grow the company and run it effectively.

I want to compare and contrast Jensen with the CEO of AppLovin Adam Foroughi who is not nearly as public a person. Most people on the board just refer to him as the “AppLovin CEO” rather than by name. Foroughi is an Iranian-American whose family emigrated the US in 1980s, studied economics, and was a derivatives trader before founding AppLovin. His Wikipedia under the section Personal Life only says, “Adam is married and has 5 kids”. This is the opposite to Jensen, who does a lot of marketing and self-promotion.

It is a bit curious to me that when the other main AdTech company The Trade Desk is mentioned a bull case on the leadership of Jeff Green is almost always mentioned. Is Jeff Green a better leader than Adam Foroughi? Why is Jeff Green so much better known than Foroughi?

I am making those points because all the publicity goes to the CEOs who self promote. However, there are many different effective leadership styles with some like Foroughi who just deliver results and stay quiet behind the scenes. Is Jensen a great asset for Nivida to have? I’d agree, but I don’t think it sets the company apart from my other holdings who also have solid leadership, it’s just not as public.

45 Likes

@wpr101 Thanks for the very incisive reply. It goes a pretty long way to explaining why your up 145% and I’m only up 60%. Another part of the explanation is that I’ve made some embarrassingly bad decisions this past year. Maybe my age is showing.

Interesting that you mentioned Paymentus. I took a cursory look at that company and too quickly decided that they didn’t possess much of a moat in a field with too many competitors. I’ll take another, deeper look. Maybe passing on that company so quickly was another bad decision.

19 Likes

Regarding $PAY competitors; here are some facts and an anecdotal / speculative conclusion:

  1. A big percentage of $PAY’s cusotmers are Utilities companies
  2. Oracle’s product “Oracle Utilities” is a competitor and has more than 50% of the market
  3. $PAY is growing rapidly and so presumably is taking market share

Candidate conclusion:
$PAY is taking business away from the mighty $ORCL

18 Likes