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Voya Financial, Inc. Message Board

topinvestgun1 133 posts  |  Last Activity: 19 hours ago Member since: Oct 12, 2010
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  • Reply to

    Buy Before Warren Buffett does (READ)

    by bigghowie Jul 2, 2015 10:43 AM
    topinvestgun1 topinvestgun1 Jul 19, 2015 6:24 PM Flag

    I agree that DFS could be a takeout target. e.g. Paypal, Banks, Payment company, Unionpay, the banks need to grow their business without the tradiing using client money. So, wealth management and credit card are two areas of expansion. DFS benefit the most in US with US recovery , and less currency headwind as V, Mastercard. Perhaps, Alibaba & its sister company can benefit from the global network and align with its global vision. It will be taken out in 1 to 2 years. Sales grow will accelerate as US recovers. It is a over $100 stock with its current cash machine.

  • Reply to

    Fund is secretly buying IBM now

    by topinvestgun1 Jul 19, 2015 3:26 PM
    topinvestgun1 topinvestgun1 Jul 19, 2015 3:29 PM Flag

    Holly cow, the volume surged, the move is real. .

    Sentiment: Strong Buy

  • topinvestgun1 by topinvestgun1 Jul 19, 2015 3:26 PM Flag

    Great momentum and change in sentiment towards this under value gem. Expect 210 - 220 by Jan, to catch up with the broader market and Google. Happy IBM investor!

    Sentiment: Strong Buy

  • From its balance sheet , the excess 19 billions is poised to make another acquisition in US. Who will be the next target. I guess Regional Financial could be a candidate to blend in with Carolina and the south. What is your thoughts of the next candidates?

    Sentiment: Buy

  • topinvestgun1 topinvestgun1 Jul 18, 2015 8:51 PM Flag

    The CEO has stated the dividend is safe and has slowed down cap ex. and laying off ppl. Tons of assets, below book value, and continuous cash from retail and refinery to offset decline in oil price. The kicker is the it is offered a buyout. The downside risk is small and upside is high as eco. recoverys. It is on a growth path since the liability penalty is peanet over 20 years. 1 billion before tax dollar is just publicity money. It is a safer and risk control co. now than before. I will add more in this low interest rate environment. for the dividend.

  • Reply to

    reasonable evaluation

    by wixiewaxy Jul 17, 2015 2:24 PM
    topinvestgun1 topinvestgun1 Jul 18, 2015 6:39 AM Flag

    I like Oracle as well. IT projects uptick are strong. Just talk to IT folks and agency, you will have the big picture. The transition of big tech to subscription model means long steady revenue stream spread out over months. The trend of subscription revenue is the indicator. IBM breakthrough in chip set, storage capacity, Watson for Internet of things are just some of the writing on the walls. It is not like small cap growth, but the growth in the teens per year for new initiatives can be achieved. Summer rally is coming and a repeat of 2013. The money in the side line is realizing the growth ahead of big tech. I stick with the enterprise market for than higher profit margin and return on equity. As the eco. recovers, investment in big tech. is guaranteed. $210-220 at year end is still undervalued for a strong franchise with global moat.

  • RF has much heather balance sheet. Smaller means faster growth.

  • Its smaller size will have bigger jump and quicker growth.

    Sentiment: Strong Buy

  • topinvestgun1 topinvestgun1 Jul 16, 2015 10:31 PM Flag

    I guess that the earning is leaking in the print based on the continuous rise. I like IBM and Oracle, both will benefit from the many IT projects that I have seen in many companies. One time software sales are amortized to yearly subscription. Expect cloud revenue to rise again. It is like banks giving client a mortgage for life. Client will keep paying the ransom to IBM and Oracle, like it or not, no other options - they are just damn good in raking in money from clients. You have to pay up to the services with global support.

  • Accumulating any Macau stocks will benefit from the influx of gamblers from China once the bridge , airports , pier are completed 2016.Now is the time to accumulate.

  • Reply to

    Buffett was wrong on this one.

    by gwjones83 Jul 8, 2015 11:19 AM
    topinvestgun1 topinvestgun1 Jul 14, 2015 9:32 PM Flag

    I like CBI much better, earn money regardless of oil price. P/E is cheaper than SU. Growth rate is faster , Cash Flow is increasing regardless of oil industry activities. Much faster growth. SU is too hard to valuation. I think the oil sand is losing money but offset by retail. Too capital intensive. CBI return on investment and equity is much less. SU is too capital intensive. Everyelse equal , CBI is a much stronger play.

  • Reply to

    What will be the takeover price for IBM?

    by ned_digger Jul 9, 2015 8:23 AM
    topinvestgun1 topinvestgun1 Jul 12, 2015 9:21 PM Flag

    I do think Warren can make an offer and take it private with his warchest. Let us see. I am happy with is proven dividend increase ability..

    Sentiment: Strong Buy

  • Reply to

    What will be the takeover price for IBM?

    by ned_digger Jul 9, 2015 8:23 AM
    topinvestgun1 topinvestgun1 Jul 12, 2015 9:17 PM Flag

    THe cheap money is making all kinds of acquisitions possible. I do not see Fed will raise rate more than 0.5 % in a year. Any bold co. can pursuit an aggressive reverse buyout using 5 to 6 times leverage. As long as it can sustain the payment, then sell IBM bit by bit, it will be profitiable. Imagine IBM got the valuation as Accenture for the Services, Chip business as Broadcom, Security as Fireeye, ETL as Informatica, Analytic as Tableau. , big Data as ..... , Yes. 500 billion is about right.

  • Not to mention the long speculation of being taken out or merger of equal with a partner. Let keeps collecting the juicy dividend vowed to keep the CEO. The penalty amount removed the last hurdle.

    Sentiment: Strong Buy

  • topinvestgun1 by topinvestgun1 Jul 11, 2015 5:47 PM Flag

    TCK is a bargain with its strong Chinese partner. and selling below book value by a big discount.

    Sentiment: Strong Buy

  • Reply to

    Aces in the Hole

    by here2test Jul 10, 2015 4:05 PM
    topinvestgun1 topinvestgun1 Jul 11, 2015 3:57 PM Flag

    The game plan was there. I am sure Warren's had a great chat with the folks with the roadmap. Some CEO is poor in capital allocation and execution. IBM has been proven walk the talk years in a row increasing EPS. The IT headhunting phone is ringing off the hock with lots of IT projects. I know few of them involving IBM services and consulting. That come along the IBM stack with Power machine, etc. It would be interesting to see IBM pop over 190 on one go. The squeeze will be painful. Warren is not selling, I am not selling and the float is limited. It is definitely a great candidate for short squeeze. The post Greeze saga money will pour in to the fuel. Happy summer rally for all! .

    Sentiment: Strong Buy

  • Another round of short squeeze again. IBM high profit margin strategy is showing its result every day. The commercialization of quantum leap of storage is another one. I do know if there is a company with better R&D and generate new patents every month. It shows the competitive edge and I can see IBM outperforms the market in the next while. Warren Buffet ard the board are right to give Ginny a raise. Next breakout will be over 190 and dirt cheap take over target by private equity flushed with cheap money. CHina is taking the baton to pump money to stock market after US QE, Sales will be up in US and China. .

    Sentiment: Strong Buy

  • Reply to

    PE ratios: DFS=12, V=30, MA=29, AXP=14

    by watsonbell54 Jun 21, 2015 7:03 PM
    topinvestgun1 topinvestgun1 Jul 7, 2015 10:52 PM Flag

    V customer spends 1000, whereas AXP customer spends 4000. That shows the quality of card holder and earning. AXP is the Nike of running shoes. The travael club and facility is second to none. The quality is important than quatity. Viss only earn 1 dollar or 2 of a $67 stock, crazy price multiple comparing to AXP and DFS. I guess V and Mastercard cannot get into China with Union Pay, but AXP can differentiate itself in Asia. If it announces the entering to China market, AXP will pop.

    Sentiment: Strong Buy

  • Reply to

    PE ratios: DFS=12, V=30, MA=29, AXP=14

    by watsonbell54 Jun 21, 2015 7:03 PM
    topinvestgun1 topinvestgun1 Jul 5, 2015 1:20 AM Flag

    Look at the money AXP and MA makes per year vs. V and Master card. AXP at $79 earns $5.7 a year. V earn how much per year? V is good but at this multiple, I feel more safe to buy AXP that Warren Buffet holds since 1991. Great profit margin and elite membership with very little delinquency rate Same for DFS.

  • Reply to

    Summer rally is coming

    by topinvestgun1 Jul 4, 2015 2:37 PM
    topinvestgun1 topinvestgun1 Jul 4, 2015 2:55 PM Flag

    IBM strategic move away from commodity business segment and low margin business are a brilliant move. The statistic shows the profit margin is up, new initiatives growth is up, # of alliance is up , # of backlog is up, all in all, Warren Buffet beating the street should not be a surprise. He is in for the best company with the best fundamental moat and return. The commercialization of storage quantum leap will put it in the growth trajectory again with leading storage/memory science. I figure IBM is making at least 1 to 1.33 dollar per share per month based on their recurring revenue and services. The longer it goes sideway, the bigger the jump. If you backout the one time writ off of 4 billions from selling the hardware, its EPS is 1.41 per share per month. I am happy with its result.

    Sentiment: Strong Buy

VOYA
46.55-0.18(-0.39%)Aug 4 4:01 PMEDT