To The Moon

Buy and Hold Stocks for the Next Decade

1/ $SoFi Technologies Inc.(SOFI)$

SoFi has built a One Stop Shop financial services platform that is difficult to replicate.

The company’s member base has scaled rapidly, surpassing 13.6M members, driven by a flywheel of cross-selling across lending, financial services, and investing. Each incremental product deepens engagement, lowers acquisition costs, and increases lifetime value, reinforcing SoFi’s ecosystem advantage.

From its growing member base, the company originated $36.4B in loans.

SoFi’s financial services segment has emerged as a core growth engine, delivering triple-digit revenue growth at scale. Products such as SoFi Money, Invest, Credit Card, and Relay are driving high-margin, recurring revenue while expanding user engagement.

The Tech platform provides SoFi with a powerful B2B infrastructure moat, forming a modern banking technology stack serving hundreds of financial institutions globally, enabling embedded finance, real-time payments, and digital core modernization.

With its bank charter, SoFi benefits from a structurally lower cost of capital compared to other fintechs, allowing it to price loans more competitively. This advantage has driven consistent profitability expansion, with ADJ EBITDA margins improving rapidly, reaching 31% in Q4 2025.

Furthermore, AI is becoming a meaningful differentiator across the platform. Automated underwriting, fraud prevention, and personalized financial guidance, SoFi is using AI to enhance member outcomes while improving efficiency and scalability across operations.

As a fully integrated, tech-driven financial institution with expanding margins, diversified revenue streams, and a growing ecosystem, SoFi is positioning itself as a long-term compounder in digital finance, capable of taking meaningful share from traditional banks while scaling profitably over time.

2/ $IREN Ltd(IREN)$

IREN is a next-generation data center platform purpose-built for power-intensive compute, combining large-scale infrastructure with direct access to low-cost renewable energy.

Its integrated strategy (energy + data centers + compute) is scaling Texas, British Colombia and Oklahoma with abundant power supply and growing demand for AI computing.

With 4.5GW of secured capacity, the company is positioning itself as an early mover in AI and HPC infrastructure by repurposing and expanding sites originally built for Bitcoin mining, enabling rapid deployment of high-density compute with significantly lower build times and capital intensity.

AI and HPC hosting are becoming an increasingly meaningful growth driver, offering longer-term contracts, higher returns on capital, and more stable cash flows compared to mining alone.

Following disciplined balance-sheet management using GPU financing and large pre-payments, IREN is entering an inflection point where operating leverage and asset reuse can drive rapid earnings expansion as AI demand accelerates through the decade.

3/ $Grab Holdings(GRAB)$

Grab’s unified super-app platform allows the 700M people of Southeast Asia to access ride-hailing, food delivery, groceries, payments, and financial services within a single ecosystem, creating seamless engagement across daily use cases.

Built on a scalable, asset-light technology infrastructure, Grab leverages its marketplace model to grow efficiently across multiple verticals, avoiding the heavy fixed costs associated with owning fleets, inventory, or bank branches.

The company is positioned to lead the digital consumer economy in Southeast Asia with over 50M monthly active users, a region characterized by fragmented services, rapid urbanization, and rising smartphone penetration, where Grab acts as the default operating layer for everyday commerce.

Trust and reliability are core differentiators. Grab integrates identity, payments, fraud prevention, and safety features directly into its platform, improving transaction success rates, reducing disputes, and strengthening retention among both users and merchants.

Despite operating across diverse and complex regulatory environments, Grab has demonstrated consistent execution, achieving a GAAP profitability milestone in 2025 and sustaining 20%+ revenue growth, a trajectory expected to continue as operating leverage expands through the decade.

4/ $Alphabet(GOOGL)$

Google’s unified platform spans search, YouTube, Android, Maps, Gmail, Waymo, and cloud services, allowing billions of users to access information, entertainment, and navigation within a single ecosystem that anchors daily digital life.

Built on one of the world’s most scalable technology infrastructures, Google operates an asset-light, software-driven model that compounds efficiency across products, leveraging shared data, AI, and global distribution rather than physical assets or inventory.

The company is positioned as the default operating layer of the internet globally, benefiting from continued digitalization, mobile-first usage, and AI-driven content creation, where Google intermediates intent, discovery, and monetization across consumers and businesses.

Trust, relevance, and performance are core differentiators. Google integrates identity, payments, security, and AI-powered ranking directly into its platforms, delivering high-quality results, reducing fraud, and maximizing advertiser ROI, which drives exceptional user and advertiser retention.

Despite increased regulatory scrutiny across regions, Google has maintained consistent execution, generating durable double-digit revenue growth and strong free cash flow, with operating leverage expected to expand further as AI-driven products and cloud services scale through the decade.

5/ $ $MercadoLibre(MELI)$

Mercado Libre’s Latin American platform spans e-commerce, logistics, payments, credit, and advertising, allowing hundreds of millions of consumers to buy, pay, and order easily.

Built on a highly scalable, asset-heavy technology foundation, Mercado Libre combines marketplace economics with proprietary logistics and payments infrastructure, enabling efficient growth while using the heavy fixed cost load as a moat.

With $59.6B in platform sales and $253B in payment volumes, the company is the default operating layer for digital commerce in Latin America, benefiting from long-term trends in e-commerce adoption, digital payments, and financial adoption.

Mercado Libre integrates payments, fraud prevention, credit scoring, and buyer protection directly into its platforms, improving transaction success, reducing risk, and driving high retention among both consumers and merchants.

Despite operating in volatile macro and regulatory environments, Mercado Libre has delivered consistent execution, sustaining 40%+ revenue CAGR and expanding EBITDA margin to 15%.

Operating leverage is expected to increase further as scale deepens through the decade.

6/ $Rubrik Inc.(RBRK)$

Rubrik is emerging as a category leader in an overlooked segment of the cybersecurity industry.

Data security, backup, and ransomware recovery.

Its cloud-native platform continues to gain traction across large enterprises and government agencies, with ARR scaling rapidly, reaching $1.35B, growing 34% Y/Y in Q4 2025.

Rubrik integrates backup, cyber recovery, and data monitoring into one platform, enabling faster detection, immutable backups, and near-instant recovery in ransomware events.

AI-driven threat analytics are gaining momentum across the platform. Rubrik use AI to detect anomalous behavior, identify compromised data, and prioritize recovery, significantly reducing downtime and limiting financial damage for customers during attacks.

Cloud and SaaS protection are accelerating growth. Rubrik is deeply integrated with hyperscalers and protects modern workloads across AWS, Azure, Google Cloud, and Microsoft 365, positioning it as a foundational security layer as enterprises migrate critical data to the cloud.

Furthermore, Rubrik is demonstrating strong operating leverage, with Gross Margin improving to 80%+, FCF of 23%, and GAAP EBIT losses falling from -80% to -20%.

As ransomware becomes a board-level risk and data resilience shifts from optional to mandatory, Rubrik is well-positioned for long-term growth.

7/ $DLocal Limited(DLO)$

The Uruguayan fintech connects global businesses with emerging markets through seamless cross-border payments. Their unified payments platform enables companies to transact locally in over 40 countries.

In the last 12 months, the company procesed $35.4B in payments, growing with a CAGR of 60% since 2021.

Their AI-powered infrastructure optimizes transaction routing, fraud prevention, and currency conversion in real time. This ensures faster, cheaper, and more reliable payments between global merchants and local consumers, regardless of market or regulatory barriers.

For Dlocal customers, this means instant access to new markets, higher conversion rates, and lower operational friction.

For the end user, it provides convenient and cheap, localized payment options such as mobile wallets.

By combining regional on-the-ground expertise, advanced data analytics, and automations, DLocal is enabling global merchants to effortlessly expand to emerging markets.

With continued expansion across Asia, Africa, and Latin America, $DLO is positioned to capture massive growth as the bridge between global platforms and the next billion digital consumers.

8/ $Zeta Global Holdings Corp.(ZETA)$

Zeta is emerging as a category leader in AI marketing and advertising software.

Their cloud-native platform continues to gain traction among large brands and agencies, with ARR scaling steadily as customers consolidate fragmented martech tools into a unified data and AI activation stack.

The number of $1M ARR customers has more than tripled since 2019 to 180.

The company’s identity-first architecture is a core differentiator. Zeta integrates customer data, identity resolution, orchestration, and activation into a single platform, enabling marketers to deliver personalized experiences across channels.

Zeta uses AI to predict consumer intent, optimize messaging, and automate campaign execution, driving higher measurable performance improvements for customers.

Data cloud and omnichannel activation are accelerating growth. Zeta supports email, web, mobile, connected TV, and paid media, positioning the platform as a foundational layer for enterprises seeking consistent customer engagement across touchpoints.

The company is demonstrating strong operating leverage, with EBIT margin now at 2%, while FCF margin has reached 16%.

As marketing shifts toward AI-driven, first-party data ecosystems, Zeta is positioned to combine sustained growth with increasingly defensible profitability.

9/ $Nu Holdings Ltd.(NU)$

$NU is a technology-first, low-cost fintech with 127M customers.

Revenues per customer keep growing 📈

Costs per customer are declining 📉

Their AI platform empowers customers with seamless financial services without the friction of traditional banks. Advanced data models and AI insights enhance credit decisions, reduce risk, and expand financial inclusion across Latin America, leading to tens of millions of unbanked people joining modern banking.

For consumers, this means easier access to credit, faster transactions, and a transparent, mobile-first experience.

For $NU, it fuels rapid adoption, higher engagement, and scalable growth.

By combining AI, data, and digital finance, Nubank is positioned to reshape banking across emerging markets, making financial services more accessible, affordable, and ubiquitous.

Their expansion to the US is taking the TAM further by tackling the largest banking market in the world.

10/ $NEBIUS(NBIS)$

Nebius is emerging as a specialized cloud infrastructure provider for AI and high-performance computing.

Nebius’s cloud-native platform is gaining traction among AI developers, startups, enterprises and Hyperscallers such as $MSFT

ARR is scaling rapidly with a 2026 target of $7-9B

Nebius combines GPU clusters, high-speed networking, proprietary orchestration software, and energy-efficient data center design into a single stack, enabling predictable performance, faster scaling, and lower total cost of ownership for customers training and deploying models.

The company supports large-scale model training, inference, and fine-tuning, with strong utilization rates as customers expand workloads once onboarded.

Its recent $400M acquisition of the Agentic Search start-up Tavily is a clear signal that Nebius wants to move beyond a pure bare metal provider and build an ecosystem of AI services.

Cloud adoption for AI-native workloads is accelerating growth. Nebius is expanding capacity across regions and announcing 9 new data centers under construction.

Despite heavy upfront investment in infrastructure and platform buildout, Nebius is beginning to demonstrate operating leverage, with improving unit economics and strong core AI ADJ EBITDA margins in the 20s.

As AI compute demand continues to scale globally, Nebius is positioned to combine long-term growth with increasingly defensible economics as a pure-play AI cloud provider.

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