Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

We've literally halved the wealth held by the middle and lower class each generation since boomers. Millenials hold about 10% and Z is expected to have no more than 5%.

The year that buying power tips toward Gen Z it will be big news. This isn’t the year. I think it was 2019-2020 where millennials became the top spenders in the market. I don’t remember what this excludes I just remember doing a huge campaign for one of the top 5 oil and gas companies that was all about millennial buying power reaching a precipice, and I suspect it will be another 10 before z has spending money

Glad I took profits. Still holding my basis cuz well, Gen Z needs a hand

yeah something like that. I used to be a banker, I know Fair Isaac is a tool for companies not consumers (and is loaded with errors they give no fccks about correcting) and while my number is high, my three reporting agency accounts are locked and I have no need to worry about credit utilization ratio.
I have a couple cc's (including fidelity's) that I just run money through for points and money back and pay to a zero balance.
I'm not running out buying high dollar items, on credit cards, ever.
And (which I advise for everyone) I have pet insurance and emergency funds. Anyone who thinks CCs are for emergencies is nutz.

So no, I have emergency funds and jumbos and things that are set aside for saving for urgent needs or even fun, but I am not stupid enough to let free money slip away and if ccs are handing it out, I am letting them add it to my Z account on Fidelity.

Plus a cc is a safer way to transact. The rules in fraud are similar between debit and credit cards, but the fact that it's the cc's money if fraud happens rather than my money in my bank, is a lot easier to handle. Especially in that window immediately after fraud when people are waiting for the money to be temporarily returned while they research the situation. Again, not my personal experience, but with clients.
jmho, ymmv

Best time to plant a tree is 30 years ago. Second best time is today
You're doing great, fam, over half of Gen Z and Millennials have no significant savings, let alone investments.

A few days ago, Coinbase dropped $16M on a Super Bowl ad, and the internet still can't decide if it was genius or cringe.
Their play was 60 seconds of Backstreet Boys karaoke, no QR code and no CTA, only "Crypto. For Everybody." at the end.
The reaction? A room full of people singing along, then erupting in boos when the Coinbase logo appeared (at least from a viral TikTok video).
But here's what I think people are missing:
Crypto is still polarizing because most people don't understand what it actually does for them. The "utility" conversation hasn't been won yet. For a lot of people, their only exposure to crypto is headlines about scams, crashes, or high-level marketing.
Yet every cycle, more people come in:
* 30% of American adults now own crypto, up from 27% in 2024 (Security dotorg)
* 562 million global users, up 33% from 2023 (Triple-A)
* Asian-Pacific grew 69% year over year in on-chain activity (Chainalysis 2025 Global Adoption Index)
* Half of American Gen Z and Millennials have owned crypto at some point (Gemini 2025 State of Crypto)
Why? Because every cycle, the tech gets easier. On-ramps improve. Use cases get more tangible.
Think about 2022. FTX, Crypto dot com, and half a dozen other companies ran Super Bowl ads. Most of them are gone now. FTX collapsed and executives went to prison.
2026? Coinbase is the only one left standing.
Whether you loved the ad or hated it, that's the real story. The survivors are the ones who kept building. Same pattern as the dot com bubble. Amazon and Google made it through. Pets dot com didn't.
Curious what this sub thinks. Was the ad a miss, or does it matter less than the fact that they're still here and still swinging?

Hit CTRL + Z repeatedly 😜

# Today is Tuesday, the 10th of February
## Upcoming events for Tuesday, February 10th
- Stock splits:
- ATPC @ **1:50**
- FGL @ **1:100**
- HCTI @ **1:60**
- RGBPP @ **2:1**
- ANY @ **1:10**
- Expected earnings:
ACRE, ADC, AEIS, AIG, AII, AIZ, AKR, ALAB, ALSN, ANGI, ARI, ARMK, ARVN, AXTA, AZN, BHF, BIOX, BL, BLKB, BP, BRCB, CAN, CCSI, CPBI, CRSP, CTS, CVS, DD, DDOG, DEI, DGX, DIOD, DUK, ECL, ELMD, ENTG, EPM, EW, EXEL, F, FIS, FISV, FRSH, FSP, GCMG, GILD, GILT, GNSS, GXO, HAS, HIHO, HIVE, HIW, HNGE, HOG, HOOD, INCY, INMD, IRMD, IVT, JHX, JMIA, KFFB, KO, KVYO, LEE, LEU, LSCC, LUXE, LVWR, LYFT, MAR, MAS, MAT, MBC, MIR, MNTN, NET, NMIH, NSP, NTST, OGI, OI, OMC, OSCR, PAMT, PEGA, PETS, PGC, PLUR, RACE, RPD, RRR, SAIA, SPGI, SPOT, SQNS, SSII, STAA, SUZ, TDC, TELO, TIMB, TRMB, TYGO, UFCS, UPST, UPXI, VREX, VSTS, WCC, WELL, WPC, WSBF, XIFR, XYL, Z, ZBH, ZG
- Ex-div:
AEP, ARCB, ASML, BWFG, CIVB, FCCO, FIBK, GABC, JVA, ORRF
- Economic events and announcements:
- 3-Month Bill Auction (actual: 3.600%, previous: 3.600%)
- 6-Month Bill Auction (actual: 3.500%, previous: 3.525%)
- FOMC Member Bostic Speaks
- Fed Waller Speaks
- NY Fed 1-Year Consumer Inflation Expectations (actual: 3.1%, previous: 3.4%)
- OPEC Crude Oil Production Algeria (Barrel) (actual: 0.96M, previous: 0.96M)
- OPEC Crude Oil Production Congo (Barrel) (actual: 0.25M, previous: 0.25M)
- OPEC Crude Oil Production Gabon (Barrel) (actual: 0.23M, previous: 0.23M)
- OPEC Crude Oil Production Kuwait (Barrel) (actual: 2.55M, previous: 2.55M)
- OPEC Crude Oil Production Libya (Barrel) (actual: 1.25M, previous: 1.30M)
- OPEC Crude Oil Production Nigeria (Barrel) (actual: 1.47M, previous: 1.53M)
- OPEC Crude oil Production Iran (Barrel) (actual: 3.20M, previous: 3.24M)
- OPEC Crude oil Production Iraq (Barrel) (actual: 4.10M, previous: 4.05M)
- OPEC Crude oil Production UAE (Barrel) (actual: 3.37M, previous: 3.38M)
## Upcoming events for Wednesday, February 11th
- Expected earnings:
ADGM, AEE, AIRT, ALB, ALKS, ALMU, AM, AMCX, AMX, APP, AR, ARR, ARX, ASND, ATEX, AUR, AVTR, BBOT, BDL, BLFY, BWA, BXMT, CAI, CFLT, CGNX, CHEF, CIM, CLBT, CMRE, CPA, CPHI, CRK, CRTO, CRWS, CSCO, CUB, CW, CXT, CXW, DAO, DAR, DDI, EPRT, EQIX, ESP, FAF, FBRT, FCPT, FLNG, FMAO, FMST, FSLY, GFL, GFS, GLIBA, GLIBK, GNRC, GPMT, GROW, GTY, HCSG, HI, HLT, HTFL, HUBS, HUM, IFF, IFS, INM, INSP, IRT, KAI, KHC, KRNT, LAD, LEG, LINK, LITS, LPTH, MCD, MFC, MH, MIAX, MLM, MLYS, MSA, MSI, NBIX, NBR, NE, NEU, NI, NMTC, NNN, NP, NTES, NWE, OM, OPRT, OPXS, OTLY, PAG, PAYC, PCSC, PDM, PDS, PLMR, PODC, PPC, PRCH, PRI, PSN, PURR, PX, PYPD, PZG, QDEL, QMCO, QS, QTWO, R, RDCM, RDWR, RDZN, ROL, RPRX, RWT, RYN, RZLT, SAFE, SBXD, SCI, SFL, SHOP, SITE, SKM, SLF, SN, SNOA, SOLS, SPMC, STAG, SW, TBN, TEX, THC, TMHC, TMUS, TR, TSE, TSEM, TTD, TTE, TYL, U, UE, VCIC, VECO, VERU, VERX, VKTX, VNDA, VPG, VRT, WAB, WCN, WFG, WMB, WTS, YTRA, ZBIO, ZTEK
- Ex-div:
AROW, BCBP, JMSB, KINS, NBN, PCAR, SIMO, SIRI, UVSP, WINA, WLFC, WNEB, WTBA
- Economic events and announcements:
- 3-Year Note Auction (previous: 3.609%)
- ADP Employment Change Weekly (previous: 7.75K)
- API Weekly Crude Oil Stock (previous: -11.100M)
- Atlanta Fed GDPNow (consensus: 4.2%, previous: 4.2%)
- Business Inventories (consensus: 0.2%, previous: 0.3%)
- CB Employment Trends Index (previous: 104.27)
- Core Retail Sales (consensus: 0.3%, previous: 0.5%)
- EIA Short-Term Energy Outlook
- Employment Benefits (previous: 0.80%)
- Employment Cost Index (consensus: 0.8%, previous: 0.8%)
- Employment Wages (previous: 0.80%)
- Export Price Index (consensus: 0.1%, previous: 0.5%)
- Export Price Index (previous: 3.3%)
- Fed Logan Speaks
- Import Price Index (consensus: 0.1%, previous: 0.4%)
- Import Price Index (consensus: 0.2%, previous: 0.1%)
- NFIB Small Business Optimism (consensus: 99.8, previous: 99.5)
- Redbook (previous: 6.7%)
- Retail Control (consensus: 0.4%, previous: 0.4%)
- Retail Inventories Ex Auto (previous: 0.3%)
- Retail Sales (consensus: 0.4%, previous: 0.6%)
- Retail Sales (previous: 3.33%)
- Retail Sales Ex Gas/Autos (previous: 0.4%)
## Upcoming events for Thursday, February 12th
- Stock splits:
- KXIAY @ **10:1**
- Expected earnings:
ABNB, AEM, AEMD, AENT, AEP, AGIO, AHL, AIP, AL, ALH, ALNY, AMAT, AMG, AMIX, AMWL, ANET, ANGX, AORT, ASC, ATOM, AVNT, BAP, BAX, BCS, BDC, BENF, BFAM, BGC, BIO, BIO.B, BIRK, BLIN, BLX, BN, BNBX, BNT, BRKR, BROS, BTDR, BTI, BUD, CAE, CALY, CART, CBIO, CBRE, CHKP, CMRC, CNCK, CNDT, CNR, CNVS, COHU, COIN, CPAC, CPS, CROX, CRSR, CSAI, CSPI, CTRE, CV, CVRX, DBD, DKNG, DNOW, DRUG, DTSS, DXCM, ECX, EEFT, ELME, ELVA, ES, ETR, EXC, EXPE, FBIN, FEAM, FGBI, FLO, FLUX, FORR, FROG, FRT, FTS, FWDI, GAU, GEL, GEO, GGR, GRCE, GREE, GTES, GVA, H, HASI, HCC, HIMX, HMC, HR, HTGC, HWM, IDYA, IMPP, INBS, INV, IPGP, IPW, IR, IRDM, IRM, ISSC, ITIC, JCAP, JOB, KELYA, KELYB, KIDZ, KIM, KNSL, KPTI, LECO, LGCY, LIMN, LIVE, LNC, LVO, LXP, MARPS, MBCN, MERC, MHK, MITQ, MLCI, MLCO, MODD, MOFG, MORN, MSC, MTRN, MVBF, NBIS, NEXM, NIQ, NMAX, NMM, NNE, NOEM, NTWK, NUS, NVMI, OGN, ONIT, OPTU, PACB, PBF, PBFS, PCG, PCOR, PDFS, PEW, PHIN, PINS, PMNT, POCI, PSA, PTN, QSR, RAIN, RARE, RBNE, RCEL, RELX, RIVN, ROKU, RPT, RSSS, RYAN, SBRA, SEB, SLVM, SOC, SPSC, SRTS, STNG, STUB, TCX, TNET, TOST, TRIP, TRN, TRT, TRU, TRUP, TSLX, TTRX, TU, TWLO, TXG, UL, USFD, UTZ, VNT, VRAR, VRTX, VTGN, WAT, WST, WYFI, WYNN, YCBD, YELP, ZBRA, ZTS
- Ex-div:
FMBH, HNVR, LARK, MGYR, NFBK, PGC, PROV, STBA, TBLD, TTEK, ZION
- Economic events and announcements:
- 10-Year Note Auction (previous: 4.173%)
- Average Hourly Earnings (YoY) (consensus: 3.6%, previous: 3.8%)
- Average Hourly Earnings (consensus: 0.3%, previous: 0.3%)
- Average Weekly Hours (consensus: 34.2, previous: 34.2)
- Crude Oil Imports (previous: 1.101M)
- Crude Oil Inventories (previous: -3.455M)
- Cushing Crude Oil Inventories (previous: -0.743M)
- Distillate Fuel Production (previous: -0.005M)
- EIA Refinery Crude Runs (previous: -0.180M)
- EIA Weekly Distillates Stocks (previous: -5.553M)
- EIA Weekly Refinery Utilization Rates (previous: -0.4%)
- FOMC Member Bowman Speaks
- Fed Logan Speaks
- Fed Schmid Speaks
- Federal Budget Balance (consensus: -92.3B, previous: -145.0B)
- Gasoline Inventories (previous: 0.685M)
- Gasoline Production (previous: -0.565M)
- Government Payrolls (previous: 13.0K)
- Heating Oil Stockpiles (previous: -0.160M)
- MBA 30-Year Mortgage Rate (previous: 6.21%)
- MBA Mortgage Applications (previous: -8.9%)
- MBA Purchase Index (previous: 165.4)
- Manufacturing Payrolls (consensus: -5K, previous: -8K)
- Mortgage Market Index (previous: 330.8)
- Mortgage Refinance Index (previous: 1,269.7)
- Nonfarm Payrolls (consensus: 66K, previous: 50K)
- Participation Rate (previous: 62.4%)
- Payrolls Benchmark (previous: -589.00)
- Payrolls Benchmark, n.s.a. (previous: -911.00K)
- Private Nonfarm Payrolls (consensus: 70K, previous: 37K)
- Thomson Reuters IPSOS PCSI (previous: 53.81)
- U6 Unemployment Rate (previous: 8.4%)
- Unemployment Rate (consensus: 4.4%, previous: 4.4%)
## Upcoming events for Friday, February 13th
- Expected earnings:
AAP, AERT, AIHS, AIRO, ALBT, ANEB, APVO, ARAI, ASTC, ATMU, ATXG, BNTC, BRN, BSBK, BTOC, CBL, CCJ, CEPO, CETX, CIGI, CLPR, CMDB, CTOR, CTXR, CVM, DCH, DFSC, EDSA, ENB, ESNT, FGNX, FKWL, FORA, GIG, GP, IGC, INTG, IQST, IXHL, LSH, MGA, MMI, MRNA, MSN, NAII, NEUP, NNVC, NTHI, NUTR, NWG, OTLK, PPCB, RR, RVYL, SAFX, SBLX, SCLX, SEV, SGRP, SIF, SONM, SUUN, SXT, TGL, THS, TMQ, TRNR, TRP, USBC, UUU, WEN, WHG, XAIR, XXI, ZONE
- Ex-div:
AIRTP, AMGN, ARTNA, BFST, BHRB, BPOPM, BRKRP, BSET, BUSEP, BWBBP, CBFV, CCD, CCNEP, CG, CGO, CHI, CHW, CHY, CMCO, CNOB, CNOBP, CPZ, CSQ, CSWC, CTAS, EBMT, EML, ESQ, FBIZ, FCBC, FDBC, FHB, FMNB, FRST, GCBC, GEN, GWRS, HBANM, HWKN, IBOC, JRSH, MSBI, NXST, OCCI, OCCIM, OCCIN, OCCIO, OTTR, OXLC, OXLCN, OXLCO, OXLCP, OXSQ, PCB, REYN, SBFG, SBRA, SBUX, SGC, SIGI, SMBC, STRC, TECH, TER, TRIN, TSBK, VABK, WAFD, WSFS
- Economic events and announcements:
- 30-Year Bond Auction (previous: 4.825%)
- 4-Week Bill Auction (previous: 3.630%)
- 8-Week Bill Auction (previous: 3.630%)
- Continuing Jobless Claims (previous: 1,844K)
- Existing Home Sales (consensus: 4.22M, previous: 4.35M)
- Existing Home Sales (previous: 5.1%)
- Fed's Balance Sheet (previous: 6,606B)
- IEA Monthly Report
- Initial Jobless Claims (consensus: 222K, previous: 231K)
- Jobless Claims 4-Week Avg. (previous: 212.25K)
- Natural Gas Storage (previous: -360B)
- Reserve Balances with Federal Reserve Banks (previous: 2.937T)
^^^^2026-02-10

Congrats on getting started at 18, that's awesome timing. I went down a bit of a rabbit hole on this when I was comparing different platforms last year and there's honestly a ton of options depending on what you're prioritizing. For the Roth IRA, you can't really go wrong with the big names like Fidelity or Vanguard.
They've got zero account minimums now and pretty much every fund you'd want. Interface can feel a bit clunky if you're used to modern apps but they're rock solid and have been around forever. On the taxable side, if you're really new to picking stocks and want something more beginner-friendly, I came across Alinea Invest recently and it looks like it could work well for someone just starting out.
It's designed specifically for beginners and Gen Z investors, with a chat interface that explains stuff as you go instead of throwing a bunch of charts and jargon at you. You can start small and it basically helps automate picks while teaching you why it's doing what it's doing, which seemed pretty useful for getting over that initial learning curve without feeling overwhelmed. I also looked at Robinhood which obviously has the simple interface going for it, but they've had some controversey over the years.
Webull is another one that gets mentioned alot for active traders but might be overkill if you're just building a long-term portfolio. Main thing is just to start somewhere and not let analysis paralysis stop you from getting that first dollar invested. The difference between platforms matters way less than the difference between investing and not investing at your age.

What’s the thought process behind investing in these companies? You should be picking stocks based on research you’ve undertaken so in hindsight you should be telling us these stocks are a good pick because of X, Y & Z. I think you’ve just picked stocks based on their name rather than doing research. Always do research and if you haven’t got the time or effort to do that then invest in ETF’s instead would be my advice. It’s hard to beat the market so ETF’s are your best bet based on the assumption you’ve done no research when it comes to individual stock picking

Z lord!

This is part of it but you don't even have to get all doom and gloom to see why BTC for trade makes sense. If Country X wants to trade with Country Y the only option is the EuroDollar. Trading in BTC completely eliminates that as you can trade in BTC and convert to your local currency immediately without a middleman. Today the EuroDollar handles that, you go from X currency, to Y, then to Z, then do Euro or Dollar, the other trading partner does the same. What BTC changes for trade is immense.

MrBeast buys Gen Z bank just weeks after BitMine's $200M bet

Also I didn’t understand any of what you said, and I’m not sure if it is because I didn’t get enough vaccines or if it’s one of those things where Gen Z talks and I don’t know what they are saying because they talk stupid.

Punkt Nummer 1: Du scheinst die Börse als reines Spielcasino zu betrachten, was sie sowohl auf sehr tiefer wie auch sehr oberflächlicher Ebene auch ist. Aber genau wie man "den Kapitalismus" als Mechanismus verstehen kann Ressourcen innerhalb einer Gesellschaft zu verteilen (sprich: Brot wird knapp in Stadt X, Preis steigt, es wird mehr Brot gebacken), so kann man die Börse als Verteilungsmechanismus von Kapital verstehen. Die Leute vergessen oft, dass man \*eigentlich\* an die Börse geht um Kapital einzusammeln. Das heißt man kann ein (hoffentlich produktives) Unternehmen auch ohne viel eigenes Kapital gründen. Diese Grundidee ist erstmal per se eine *gute Sache* und sie funktioniert auch im Großen und Ganzen. Vor allem ist uns leider bisher keine bessere Alternative eingefallen.
Punkt Numero 2: "KI wird nicht die Rendite erhöhen". Ich glaube nicht, dass irgendein Prozess der es ermöglicht viele Arbeitskräfte zu einem gewissen Teil durch eine Maschine zu ersetzen, die Rendite \*nicht\* erhöhen wird. Klar, viele KI-Firmen werden bankrott gehen aber in Summe wird KI ermöglichen bestimmte Prozesse zu automatisieren, bei denen das vorher nicht ging.
"Vermehrt Krieg auf der Welt": Das stimmt nicht. Es gibt weniger Krieg auf der Welt. Oder sagen wir lieber: Die Kriege werden im Großen und Ganzen eher kleiner und regionaler. Wir haben halt seit 1945 keinen "richtigen" Krieg mehr gesehen. Ich meine einen Krieg, wo jeder Mann eingezogen wird und Millionen sterben.
"kein Fortschritt beim Klimawandel" Auch hier würde ich für das Gegenteil argumentieren: Wir treten gerade in die Phase ein, wo wir sehr viel erreicht haben und in Zukunft sehr, sehr viel mehr erreichen werden. Z.B. hat Solarenergie endgültig den Sprung zur Massentechnologie gemacht. Es ist inzwischen für quasi jeden Menschen i.d.R. billiger eine Solaranlage zu benutzen als einen Generator. Moral ist das eine, aber inzwischen ist schlicht und einfach billiger erneuerbare Energien zu nutzen.
"begrenzte Ressourcen auf der Erde" Okay, na klar rein theoretisch könnte das mal ein Problem sein. Aber es gibt ja außerhalb der Erde auch noch eine Menge Ressourcen, die man anzapfen könnte. (Hoffen wir nur, dass nicht Musk III ihren Abbau kontrollieren wird.)
"Insgesamt, rein logisch, kann es zumindest nicht mehr endlos so weiter gehen."
Ich würde diese These herausfordern. Bisher ist es doch "immer endlos so weitergegangen"! Ich habe ja dargelegt, warum ich deinen Pessimismus nicht teile, aber gehen wir mal davon aus ich liege falsch und es läuft genau andersherum:
Selbst wenn sich KI (bzw. die LLMs um die sich gerade alles dreht) als komplette Sackgasse entpuppt und eine generelle Finanzkrise auslöst...
Und der Dritte Weltkrieg bricht los. Deutschland wird schwer zerstört...
Und der Klimawandel gerät auch völlig außer Kontrolle. Große Dürren und steigender Meeresspiegel sorgt für Millionen Flüchtlinge...
...in all diesen Fällen wirst du mit weltweiten ETF als Otto-Normalverbraucher am besten vorsorgen oder zumindest Risiken minimieren. Gilt doppelt und dreifach, wenn man komplett überzeugt ist, dass wirklich ein weltenender Crash auf uns wartet. Sollte es tatsächlich wider alle Logik einfach mehr oder weniger so weitergehen wie bisher, na ja dann ist ein ETF die beste Anlagestrategie (nach heutigem Wissensstand).
Letzendlich ist dein Post eigentlich gar nicht über eine "ETF-Blase", sondern über eine "Kapitalismus-Blase" :D

$CROX Deep Dive:
The market currently treats $CROX like a dying fad, but the cash flow tells a different story. As of February 2026, the stock is trading at a Forward P/E of \~7x, while generating nearly $700M in Free Cash Flow. Here is the bull/bear breakdown on the most polarizing footwear stock in the world.
1. The Business Model: Software-Like Margins for Rubber Shoes
Crocs doesn't sell shoes; it sells a high-margin platform.
\* The Moat: Their proprietary Croslite™ material is dirt cheap to manufacture but carries massive perceived value.
\* Margins: Gross margins sit at \~59-61%. For context, that’s better than Nike and closer to some tech companies.
\* The "Jibbitz" Effect: Charms are high-margin accessories that turn a $50 shoe into a collectible hobby. It’s the closest thing to "recurring revenue" in footwear.
\* Efficiency: They are injection-molded. No complex stitching, no expensive labor. One machine, one mold, thousands of shoes.
2. The Elephant in the Room: The HEYDUDE Disaster
In 2022, management bought HEYDUDE for $2.5B. It’s been a rocky road.
\* The Bad: Revenue for HEYDUDE is down \~20% YoY. Management overpaid, and they’ve had to write down nearly $700M in non-cash impairment charges recently.
\* The Good: They are aggressively "cleaning the channel"—cutting off small, messy wholesalers to move toward a higher-margin Direct-to-Consumer (DTC) model.
\* The Bottom Line: Even if HEYDUDE stays flat, the core Crocs brand is carrying the entire company.
3. Financial Health (TTM Feb 2026)
The stock price ($85) vs. the actual earnings is a massive disconnect:
\* Forward P/E: 7.1x (Industry average is 16x+).
\* Free Cash Flow: \~$700M.
\* Share Buybacks: Management has retired over 30% of the float in the last decade. They are basically cannibalizing their own shares at these depressed prices.
\* Debt: They’ve paid down over $1B in debt since the acquisition. The "debt burden" thesis is dying.
4. Pre-Mortem: What Could Kill This?
If $CROX drops another 50%, it won't be because of debt. It will be:
\* Fashion Irrelevance: If Gen Z decides clogs are "out," the high margins collapse.
\* Tariff Exposure: Huge reliance on Vietnam/China. If trade wars heat up in 2026, those 60% margins could shrink to 45%.
\* DTC Failure: If they can't pivot away from wholesale, they lose pricing power to retailers like Amazon/Walmart.
5. The Valuation: What Is It Actually Worth?
I ran a Reverse DCF using the current $85 price point:
\* Market Expectation: The market is pricing in a 3% annual decline in cash flow forever.
\* Reality: Core Crocs International is growing low double-digits (especially in China/India).
\* Intrinsic Value: Even with 0% growth, the stock is worth \~$120. If they manage just 4% growth, the fair value jumps to $150+.
The TL;DR
$CROX is a free cash flow machine disguised as an ugly shoe company. Management made a bad bet on HEYDUDE, and the market is punishing them with a "permanent" discount. If you believe the core brand is a staple (like Vans or Converse) and not a fad, this is a massive margin-of-safety play.
Current Sentiment: 📉 Market Hates it | 📊 Fundamentals Love it.

If you have a large portfolio, US listed ETFs are only better in RRSP which avoids US withholding tax on dividends. Otherwise use Canada listed ETFs like (V/X/Z)EQT to avoid currency exchange.

Z.B. der Global X Nasdaq 100 Covered Call UCITS ETF D A2QR39
"Aktuelle Ausschüttungsrendite 11,78%"
[https://www.justetf.com/de/etf-profile.html?isin=IE00BM8R0J59#rendite](https://www.justetf.com/de/etf-profile.html?isin=IE00BM8R0J59#rendite)
Es geht mir um eine ausschüttende Option zusätzlich zum FTS All World, wo mein Hauptanteil liegt.

As Gen Z slowly takes over being main Olympic competitors are they having to buy less condoms for Olympic village? I keep hearing these youngin’ ain’t fucking no more these days.

The biggest headline was Snap turning a $45 million net profit.
Free Cash Flow: They generated $206 million in free
500 million share buy back
Perplexity is paying Snap $400 million in 2026. 
• The Goal: Perplexity is essentially paying for access to Snap’s nearly 1 billion monthly users to gain massive brand awareness among Gen Z. 
• Snap's Revenue: This $400 million will start hitting Snap’s balance sheet throughout 2026,