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Actionable insights — 6 Stock Update

Not which of the six to buy, but how he reads an earnings pop, prices a buyback funded by debt, and judges selling decisions after the fact.
2026-AUG-27 · Qualtrim Studio — Market Updates · Joseph Carlson (solo) · ▶ Watch on Qualtrim · full analysis · transcript
How to read this page: each insight is a reusable procedure. The boxed line shows how it played out in this update. Timestamps are positions in the login-gated Qualtrim Studio recording (the link opens the video).

4:11 1. Strip an earnings beat down to its organic core

The repeatable method
  1. Subtract acquired revenue from reported growth (use the company's own disclosure of the acquisition's contribution).
  2. Separate guidance raises into organic vs acquisition-driven.
  3. Remove non-operating gains (equity-stake mark-ups) from EPS before comparing to estimates.
Here: CRM: +11% revenue became ~8–9% ex-Informatica; the guide raise was $100M organically; $5.06 of the $5.90 EPS was equity gains, largely Anthropic.
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8:04 2. Test a debt-funded buyback per share, not in total

The repeatable method
  1. Start from underlying (unlevered) earnings.
  2. Subtract new debt × its weighted interest rate to get levered net income.
  3. Divide each case by its share count (before vs after the buyback) and compare EPS.
  4. Then weigh the durable part — interest is fixed while earnings grow — against lost balance-sheet flexibility.
Here: CRM: $12B earnings; $25B at ~5% = $1.06B interest → $10.94B net income, but on 831M instead of 960M shares EPS rises from ~$12.50 to ~$13.16.
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13:28 3. Grade your sells as a basket, not by the one that ran

The repeatable method
  1. List every stock sold over a period with realized P&L.
  2. Ask whether the sold basket still performs well (evidence of good selection) and whether the replacements did better (evidence of good high-grading).
  3. Don't read a sold stock's rally as a mistake unless the replacement underperformed on the same thesis.
Here: Sold BKNG, CMG, AAPL, INTU, CRM, EFX for +$100k net; CRM now above his sale price, but DASH +33%, TXRH +35% and a META growing 3× faster.
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24:04 4. Screen for big drawdowns with intact growth — then read both cases

The repeatable method
  1. Filter for stocks far off their highs whose TTM revenue, net income and FCF are still growing fast with modest dilution.
  2. Read an up-to-date bull and bear case written after the latest earnings.
  3. Isolate the bear's specific mechanism (here, sequential growth) and chart it before forming a view.
Here: APP: −60% ($733→$300) against +47% revenue, +81% net income, +58% FCF; bear case = sequential growth slowed to 4% and depends on model breakthroughs.
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42:09 5. When a company can't be modelled, size it as a bet

The repeatable method
  1. Check whether you can estimate a stable P/E or P/S a few years out.
  2. If not, admit the position is a thesis on optionality/management rather than valuation.
  3. Cap it as a small satellite and balance it with companies whose growth can be modelled.
Here: SPCX at $1.84T with two public quarters and capex dominated by AI compute and Starship: "very unpredictable" — acceptable as "a couple bets like this" beside an ETF of profitable compounders.
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Methods distilled from the login-gated Qualtrim Studio video for personal study. Not investment advice.