@b_cap21 profile picture
BCap21 @b_cap21

Equity analyst tweeting mostly about high quality companies

Joined July 2021
  • Tweets 1,927
  • Following 972
  • Followers 3,887
734 Photos and videos
WRB vs. BRK this century. RIP Bill Berkley
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Tread lightly around Mark Miller if you have an ugly baby
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$PPG 5% as investors remember coatings companies have ridiculous pricing power.
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Bullish Texas data center activity
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The strengths and weaknesses of key data center states
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How many imposters sitting in people's portfolios right now?
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Is there any synergy at all in this $ECL deal or is this just straight buying into data center growth? Didn’t they push into upstream energy a year before the shale revolution imploded?
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$FICO thought exercise: Assume they 'didn't get greedy' and straight-line HSD scores revenue growth since 2018. You have way lower (50% ) profits and a lot more coming from software which we all know is worthless these days. Where's the stock price in that scenario?
BuccoCapital Bloke
@buccocapital
Mar 12
Biggest own goal of all time $FICO
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Easy to dunk on them after the last 10 months, I get it. But for better or worse they have a view on what their IP is worth / their importance to the ecosystem, and the actions they are taking suggest the business will endure and thrive.
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Live look at me managing my portfolio

ALT Balthazar Sideshow Bob GIF
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$FICO whacked yesterday & down today as $TRU CEO said yesterday that one of the GSEs was 'experimenting' with VS4.0, accepting loans and securitizing those loans based on VS. Would love context here as securitizations are public record yet no one seems aware of this.
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My understanding is the GSEs and the securitization market can't accept VS4.0 loans until pricing is established. I also would have expected this news to be trumpeted from everywhere by the bureaus/VantageScore instead of briefly mentioned during hour 4 of an investor day.
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FICO also soft on $TRU/$EFX taking VS pricing from ~$4 to $1 per score. My gut is this takes VS4.0 mortgage revenue at the Credit Bureaus from ~$0 before this cut to ~$0 afterwards because they are already giving away VS4.0 for free for anyone that buys FICO. Good PR though
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Pretty cool table highlighting the benefits of $LB's active land management strategy across different vintages.
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BCap21 retweeted
Pulte
@pulte
Feb 24
White Paper Argues FICO Score 10 T Outshines VantageScore 4.0: nationalmortgageprofessional…

FICO Fires Back: White Paper Argues FICO Score 10 T Outshines VantageScore 4.0

As the Federal Housing Finance Agency (FHFA) opens the gates for lenders to use VantageScore 4.0 alongside, or in place of, FICO scores for mortgages sold to Fannie Mae and

nationalmortgageprofessional.com
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If all software moats are being destroyed by AI and they are all screwed, then isn't $NVDA - whose moat is its CUDA software - also screwed?
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Why is $TER slightly red when every other semi cap equipment company is lighting it up today?
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P&C insurance pricing outlook 1H26 - property softness persists, casualty still resilient
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BCap21@b_cap21
24 Oct 2025
$FIX highlighting increased tech weighting in their work b/c of superior margins. Can non-data center or power construction grow when the majority of $s and workers are getting reallocated to AI-related infrastructure? What gets left in the dust?
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BCap21@b_cap21
6 Nov 2025
$APD noting that data center activity impacting projects in the chemical industry
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BCap21@b_cap21
5 Nov 2025
$SRAD on all things prediction markets
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