HeyJaredBob’s Payment Stock Substack
Former analyst and portfolio manager. Fundamental buy-and-hold investor. Talking stocks and markets. Focus on Payments, Financial Technology, and Payroll and HCM.
- Indexed issues, last 90 days
- 9
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- Sep 18, 2026
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- Jul 6, 2026
Latest issues
Jack Henry Investor Day Notes (opens the original)
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Before I begin, my past article on Jack Henry is hereJack Henry (JKHY) hosted an investor day on Tuesday (September 15). Here are my notes from the presentations:Modest Organic Revenue Growth AccelerationLeading up to its investor day, JKHY hinted that recent strength in new business activity (more wins, at larger financial institutions, with more produ
Payments and FinTech Quarterly Data Review (opens the original)
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A note from the authorWhile it’s always my goal, and hope, for all my readers to gain knowledge from the articles I write, this particular report is intended for serious followers of the payments and fintech industries. It is also the output with the most amount of my input (i.e., effort). In this edition, I’ve added a (more) robust analysis of fundamentals, including organic top-line growth, profitability, and capital allocation, all in the context of valuation. Following that is a review of ke
Payments and FinTech Earnings Recap: Q2 2026 (opens the original)
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Sentiment improved for payments and fintech companies during Q2. Here are my key themes:U.S.A.! U.S.A.!: The U.S. showed out during Q2 with card PV growth nearing 10%, suggesting the secular story may have more room to play out than previously thought. On the other hand, select European markets were highlighted as being softer, including the U.K. (by GPN) and Germany (by KLAR).Big Deal(s): Stripe<spa
Shift4: Dazed and Confused (opens the original)
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Shares of Shift4 (FOUR) fell 23% in the two days following its Q2 report as better-than-expected results were more than offset by disappointing H2 guidance, which was reduced on both the top and bottom-lines due to the ongoing Middle East conflict and related anticipated travel impacts to Global Blue, a less favorable FX outlook, and the impact of FOUR’s recent debt raise. Additionally, after discussing potential bolt-on M&A as part of its capital allocation framework on the conference call (con
Global Payments: Nothing Comes Easy (opens the original)
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Synopsis: Due to sustained conflict in Iran and the broader Middle East (ME), which is impacting air travel and payment volume for some of Global Payment’s (GPN) customers (they serve the 12 largest airlines in the ME), GPN decided to temper its full-year outlook, framing it as de-risking H2 guidance to assume the Q2 ME headwind (100-bps to organic revenue growth) persists for the remainder of the year. As a result, they now expect organic revenue growth of 4-5% for the full year versus approxim
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