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Research library · Software & Internet

Software & Internet: the moats, the numbers, the verdicts.

68 companies covered. Every report re-run after the latest earnings.

Accenture plc ACN

It also stopped reporting the artificial intelligence bookings figure it had published every quarter through last August, and the shares are 36% below their high.

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Adobe Inc. ADBE

Adobe's revenue growth has accelerated three quarters running, to 13%, and the market pays sixteen times earnings for it.

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Adyen N.V. ADYEY

Adyen's take rate rose from 16.25 to 17.05 basis points across 2025 and then fell to 16.21 in the first half of 2026.

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Agilysys, Inc. AGYS

Agilysys grew subscription revenue 26.1% last quarter and raised its full-year guidance to at least 32% subscription growth.

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AppLovin Corporation APP

AppLovin grew revenue 52.8% last quarter at an 83.9% adjusted margin, and the shares sit at $298.59 against a 52-week high of $745.61.

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Big Digital Energy, Inc. BGDE

Big Digital Energy is the rebranded shell of Mawson Infrastructure (former MIGI, same SEC CIK 0001218683), a sub-scale Bitcoin-hosting operator with negative equity, a working-capi

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Baidu, Inc. BIDU

At $132 a share you're paying $44.9B for roughly $26B of net cash and investments plus an $18B-EV operating business, where AI Cloud revenue compounded 79% YoY and GPU Cloud 184% Y

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Bill.com Holdings, Inc. BILL

BILL's customer count peaked at 498,500 in December and has fallen every quarter since, to 479,300.

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Box, Inc. BOX

Box's net retention rate has risen for six consecutive quarters, from 102% to 105%.

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Cheche Group Inc. CCG

Cheche Group is a Chinese online auto-insurance broker whose stock has run from $0.35 to $13 in a year on a real inflection: FY2025 revenue fell 13% to RMB 3.0B (≈$415M) while the

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CDW Corporation CDW

CDW's gross margin rose from 19.7% to 21.8% in one year and has sat between 21.7% and 21.9% ever since.

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Corpay, Inc. CPAY

Corpay's debt reached $10.6B against $3.5B of book equity, three times over, after buying Alpha Group for about $2.4B in October.

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Salesforce, Inc. CRM

Salesforce just reported its first accelerating quarter in three years, raised the full-year guide, and the stock jumped about 10% overnight, and even after the jump it costs rough

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CrowdStrike Holdings, Inc. CRWD

CrowdStrike's free cash flow margin reached 33.7%, its highest ever, two years after an update it shipped crashed millions of computers worldwide.

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CoreWeave, Inc. Class A Common Stock CRWV

CoreWeave paid $640M of interest last quarter, against $2.58B of revenue and $5.02B of total equity.

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DoorDash, Inc. DASH

DoorDash grew revenue 36% last quarter and its profit fell 30%, and the market cap is $103B against $2.13 of trailing earnings per share.

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The Walt Disney Company DIS

Disney's Entertainment segment grew operating income 64% last quarter and Sports fell 17%.

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Dlocal Limited DLO

dLocal's take rate fell from 2.79% to 2.26% over five quarters, and the gross profit it keeps per dollar processed fell from 1.07% to 0.72%.

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Euronet Worldwide, Inc. EEFT

Euronet's processing revenue per transaction fell from 14 cents to 8 cents over four years.

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Fiserv, Inc. FI

You're paying about 7.5 times depressed 2026 consensus earnings, roughly $34 billion, for one of the two dominant US bank-and-merchant processing platforms whose stock has fallen a

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Fair Isaac Corporation FICO

The wholesale royalty on a FICO score used in a mortgage went from 60 cents to $10.00 over five years, including a doubling from $4.95 in 2026.

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Figma, Inc. FIG

Figma has accelerated revenue growth three quarters running, 48% in the latest, and the stock has fallen 63% from its post-IPO high anyway, because the sellers are the people who b

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Fidelity National Information Services, Inc. FIS

In January FIS handed Global Payments its remaining 45% of Worldpay plus $7.7B in cash, and took back a card-issuing business.

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Fiserv, Inc. FISV

Fiserv shares are $52.56 against a 52-week high of $238.59, and both the Securities and Exchange Commission's enforcement division and the United States Attorney for the Southern D

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Shift4 Payments, Inc. FOUR

Shift4's blended spread dipped to 57 basis points in December and has recovered to 65, a five-quarter high.

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Fortinet, Inc. FTNT

Fortinet builds the network security boxes (FortiGate firewalls) and the software that runs on them, plus an expanding SASE and security operations layer on top, monetized through

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GoDaddy Inc. GDDY

GoDaddy's customer count was falling, so at the start of this year it stopped publishing the number.

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Gen Digital Inc. GEN

Gen Digital is the consumer cyber-safety cash machine behind Norton, LifeLock, and Avast, now bolted to MoneyLion, a consumer-fintech business meant to graft a growth engine onto a

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Alphabet Inc. GOOG

Alphabet sits at 28x trailing earnings and about 34x forward, a market multiple for a business whose Cloud arm is now growing 30%-plus into a structural compute shortage while Sear

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Alphabet Inc. GOOGL

Alphabet reported $112.1B of net income in a single quarter. Ninety-nine billion of it was writing up private shareholdings, mostly SpaceX.

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GitLab Inc. GTLB

Every forward indicator GitLab publishes has fallen for five consecutive quarters, in lockstep, while revenue still grows 23%.

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International Business Machines Corporation IBM

It also stopped publishing the artificial intelligence number it had been leading with, which was $12.5B cumulative the last time anyone saw it.

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Intuit Inc. INTU

Intuit just guided its small-business half to grow 13% to 14% and its TurboTax half to grow 2% to 3%, and the stock is priced at 11 times free cash flow as though both halves were

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Jack Henry & Associates, Inc. JKHY

Jack Henry grew earnings per share 20% over nine months on 8% revenue growth, and roughly a quarter of the extra profit came from customers leaving.

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Meta Platforms, Inc. META

Meta raised its capital spending guidance three times in eight months, from $115B to $145B, and the shares fell from $790.80 to $559.02.

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Microsoft Corporation MSFT

Microsoft spent $115.95B on property and equipment last fiscal year, up 80%, and its finance lease obligations grew 44% to $66.59B.

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Strategy Inc MSTR

Strategy owns 846,000 bitcoin that cost $63.9B and are carried at $49.7B, so the position is roughly $14.3B underwater.

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Nebius Group N.V. NBIS

Nebius has reported net income twice in six quarters, and both times it came from revaluing a stake in a private database company rather than from operations.

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Cloudflare, Inc. NET

Cloudflare sits near a 52-week high at ≈42x trailing sales and roughly 270x trailing free cash flow, a price the underlying content-delivery and Zero-Trust business cannot carry on

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Netflix, Inc. NFLX

Netflix stopped reporting subscriber counts and average revenue per member after the December 2024 quarter, at a record 301.6 million members.

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NICE Ltd. NICE

NICE has de-rated roughly 45% from its $175 high to ≈$96.81 on a single fear: that conversational-AI agents deflect calls, shrink the human-seat count its contact-center software i

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ServiceNow, Inc. NOW

ServiceNow grew subscriptions 24% and beat every number it guided last quarter, and the stock still sits 35% below its high because GAAP earnings are a third of the adjusted ones.

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Oracle Corporation ORCL

Oracle's contracted future revenue went from $138B to $638B in one year, and the stock fell 59% from its high while that happened.

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Payoneer Global Inc. PAYO

Payoneer's take rate fell from 126 to 116 basis points over five quarters while its revenue per customer rose from $452 to $533.

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Palantir Technologies Inc. PLTR

Palantir's revenue grew 93% last quarter, and its contracted future business doubled from $5.4B to $11.2B in a year.

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PTC Inc. PTC

PTC's design software business has grown at exactly 8% in constant currency for six consecutive quarters.

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Qualys, Inc. QLYS

Qualys prints a 39% EBITDA margin, an 83% gross margin, a 5.2% FCF yield on TTM cash flow, and holds ≈$467M net cash on a $5.6B market cap, yet trades at 29x TTM earnings after a 1

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Q2 Holdings, Inc. QTWO

Q2's net revenue retention has risen three years running, from 108% to 113%, meaning every cohort of banks spends more each year than the last.

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Reddit, Inc. RDDT

Reddit's revenue per user in the United States went from $7.04 to $10.79 in a year, a 53% increase, on a user base growing 19%.

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Remitly Global, Inc. RELY

Remitly's active customers grew from 8.9 million to 10.2 million in four quarters while its take rate held near 2.1%.

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Roku, Inc. ROKU

Roku just printed its first full year of GAAP net income ($88M in 2025) and doubled free cash flow to $478M, and the stock has re-rated ≈1.8x off its 52-week low to $142 as the mar

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Roper Technologies, Inc. ROP

Roper Technologies is a serial acquirer of niche vertical software and medical product franchises, running 28 businesses across Application Software, Network Software, and Technolo

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Shopify Inc. SHOP

Shopify processed $115.6B of merchandise last quarter and grew revenue 34%, its fifth consecutive quarter above 30%.

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Snap Inc. SNAP

Snap's daily users in North America have declined for seven straight quarters, and the rate of decline is getting worse: down 1%, then 2%, 3%, 5%, and now 7%.

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Snowflake Inc. SNOW

Snowflake's revenue growth went 25.7%, 31.8%, 28.7%, 30.1%, then 33.5%. Software companies this size are supposed to decelerate.

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Spotify Technology S.A. SPOT

The argument over Spotify is no longer whether it can make money, it made a record 33.4% gross margin and €655M of quarterly operating profit, but whether a business now growing by

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SS&C Technologies Holdings, Inc. SSNC

A hedge fund that outsources its books to SS&C is not buying software, it is handing over the function, and taking it back means rehiring the department.

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StoneCo Ltd. STNE

StoneCo's loans more than ninety days overdue went from 3.61% of its credit book to 8.60% in six quarters.

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Teradata Corporation TDC

Teradata is the legacy enterprise data-warehouse incumbent re-platforming onto the cloud, and at roughly 1.7 times revenue with a 9% free-cash-flow yield it is priced as a melting

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Atlassian Corporation TEAM

Atlassian is the default operating system for software and IT teams, charging per-seat subscriptions on Jira, Confluence, and Service Management, a business compounding TTM revenue

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TKO Group Holdings, Inc. TKO

TKO owns the two highest-margin franchises in live sports, UFC and WWE, and just walked into a media-rights step-up cycle that drops almost entirely to a 60%-plus-margin EBITDA lin

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Toast, Inc. TOST

Toast added a record 9,500 restaurant locations last quarter and its take rate has not moved from about 2.6% in six quarters.

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Twilio Inc. TWLO

Twilio's net expansion rate has risen in every one of the last seven quarters, from 106% to 116%.

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Uber Technologies, Inc. UBER

Uber's mobility take rate held between 29.9% and 30.7% for five straight quarters and then broke to 25.4%.

Moat Dive · Back of Napkin · Proxy Report

Verisk Analytics, Inc. VRSK

Every property insurer in America hands Verisk its claims and premium data, and Verisk sells the pooled result back to all of them.

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WEX Inc. WEX

WEX's fleet payment transactions have been flat or falling for six consecutive quarters, from 134.5 million to 139.3 million with four declines in between.

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Block, Inc. XYZ

Square's take rate bottomed at 1.18% in December and has risen for two quarters since, while its payment volume growth accelerated from 7.2% to 13%.

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Clear Secure, Inc. YOU

You're paying about 5.3 times revenue and roughly 19 times EBITDA, near $5.2 billion enterprise value, for the CLEAR identity network: a debt-free, FCF-rich subscription business w

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