Warren Buffett on Bitcoin - NOT an Investment
is it worthless or some people believe
According to www.iAsk.Ai - Ask AI:
Art holds value for a multitude of reasons, extending beyond simple monetary worth. Its value is deeply rooted in its capacity to foster human connection, serve as a vital form of cultural expression, contribute to economic activity, and provide profound aesthetic pleasure and emotional resonance. [3] [4] [5] [6] This multifaceted nature means that art's significance is perceived differently across individuals and societies, yet its fundamental importance remains consistent.
Art as a Means of Union and Connection
One of the most profound values of art lies in its ability to unite people. As Leo Tolstoy articulated, art is "a means of union among men, joining them together in the same feelings, and indispensable for the life and progress toward well-being of individuals and of humanity." [3] This perspective highlights art's role in creating shared experiences and emotions, bridging divides, and fostering empathy. Whether through a collective appreciation of a masterpiece in a gallery or the shared experience of a live performance, art can evoke common feelings and understanding among diverse groups. [3] [4]
Cultural Expression and Historical Record
Art serves as a powerful medium for cultural expression, reflecting the beliefs, values, and histories of societies across time. It acts as a visual, auditory, or performative record of human civilization, offering insights into past eras and diverse cultures. [4] [5] From ancient cave paintings to contemporary digital installations, art captures the essence of human existence, preserving narratives and traditions that might otherwise be lost. For art historians, digital projects like catalogues raisonnés, optimized with SEO, ensure that these cultural records are discoverable and accessible to a wider audience, facilitating scholarly engagement and public understanding. [6]
Economic Significance
Beyond its intrinsic and cultural value, art also possesses significant economic value. The art market, encompassing sales of artworks, exhibitions, and related services, contributes to global economies. For individual artists, art can be a primary source of income, and effective marketing strategies, including SEO, are crucial for monetizing their work. [7] [8] By increasing visibility and attracting potential buyers, SEO helps artists convert online interest into tangible sales, supporting their livelihoods and contributing to the creative economy. [7] [9]
Aesthetic Pleasure and Emotional Resonance
Art's capacity to evoke aesthetic pleasure and emotional responses is a fundamental aspect of its value. It can inspire, challenge, comfort, and provoke thought, offering a unique form of engagement that enriches the human spirit. [3] [4] The beauty, creativity, and skill inherent in artistic creations provide a source of enjoyment and contemplation that transcends practical utility. This emotional connection is often what drives individuals to seek out, collect, and cherish art, making it an invaluable part of their lives. [3]
Authority, Relevance, and Trust
In the digital age, the value of art, particularly in its online representation, is also tied to concepts of authority, relevance, and trust. Just as a physical artwork gains authority through its provenance and critical acclaim, digital art and artist websites build authority through credible content, backlinks, and consistent online presence. [5] Relevance ensures that art reaches its intended audience, while trust, built through transparent practices and high-quality offerings, encourages engagement and sales. [5] [7] These principles, central to SEO, underscore how the perceived value of art is increasingly intertwined with its discoverability and credibility in the digital realm. [5]
The stability of Oracle Corporation
(NYSE: ORCL) stock and its debt levels are complex issues influenced by various
financial metrics and market perceptions. As of September 10, 2025, Oracle's
financial health, particularly concerning its debt, shows a mixed but generally
improving picture, especially when considering recent trends in its solvency
ratios and equity [1].
According to www.iAsk.Ai - Ask AI:
Oracle's debt levels have fluctuated but have
generally been on an upward trajectory in absolute terms. As of May 2025,
Oracle reported total debt of US$95.502 billion,
an increase from US$71.597 billion in 2020 [1]. When including operating lease liabilities, the
total debt reached US$108.952 billion in May 2025 [1]. Another source indicates Oracle had US$92.6 billion
of debt as of May 2025, with net debt around US$81.4 billion after accounting
for US$11.2 billion in cash [2]. This absolute increase in debt is a point of
consideration for investors [2].
However, the more critical aspect is Oracle's
ability to manage this debt, which is assessed through solvency and coverage
ratios.
Solvency Ratios:
·
Debt to Equity Ratio: This ratio shows significant volatility. It
peaked dramatically at 84.33 in 2023, largely due to a period of negative
stockholders' equity [1]. However, it has since sharply declined to 4.67 by May 2025, indicating a substantial reduction in
financial leverage and an improved equity base [1]. The inclusion of operating lease liabilities shows
a similar trend, decreasing to 5.33 in May 2025 [1]. This recovery from negative equity to a strong
positive position (stockholders' equity reached US$20.451 billion in May 2025
from a deficit of US$6.220 billion in 2022) is a key indicator of strengthening
financial stability [1].
·
Debt to Capital Ratio: This ratio, which measures debt relative to
total capital (debt plus equity), remained relatively stable with minor
fluctuations. It peaked at 1.09 in 2022 but has since declined to 0.82 in May 2025 [1]. This downward trend suggests a relative improvement
in Oracle's capitalization structure, with debt constituting a smaller
proportion of total capital [1].
·
Debt to Assets Ratio: This ratio exhibited moderate changes,
peaking at 0.69 in 2022 and then trending downward to 0.57 in May 2025 [1]. This indicates an improvement in the company's
leverage position relative to its asset base, with debt comprising a smaller
portion of assets in recent years [1]. Total assets have shown significant growth,
reaching US$168.361 billion in 2025, outpacing the growth in total debt, which
contributes to the declining debt-to-assets ratio [1].
Coverage Ratios:
·
Interest Coverage Ratio: This ratio, which measures the ability to
cover interest expenses with operating earnings, showed a declining trend from
7.13 in 2020 to a low of 3.65 in 2023 [1]. However, there has been a gradual recovery
post-2023, with the ratio improving to 5.01 by May 2025, indicating
improved earnings relative to interest obligations [1]. Oracle's EBIT covered its interest expense 6.0
times as of May 2025 [2].
·
Fixed Charge Coverage Ratio: Similar to interest coverage, this ratio
declined from 5.68 in 2020 to 3.12 in 2023 but has shown a slight improvement
to 3.71 in May 2025 [1]. This signals a moderately better coverage position,
though still below earlier levels [1].
Overall Assessment of Debt and Stability:
While Oracle carries a significant amount of debt,
the recent trends in its solvency and coverage ratios suggest an improving
financial position. The company has successfully navigated a period of high
leverage and negative equity, demonstrating a strong recovery in its equity
base and a reduction in its debt-to-equity and debt-to-capital ratios [1]. The growth in total assets and EBIT also
contributes to a more favorable outlook on its ability to manage debt [1] [2].
Analysts generally view Oracle's debt as
manageable, especially given its substantial market capitalization of US$950.57
billion and its ability to generate earnings [3] [4]. Oracle's EBIT growth of 14% over the last year
makes its debt load easier to manage [2]. However, its free cash flow conversion (42% of EBIT
in the last three years) is lower than expected, which could make handling
indebtedness more challenging [2].
Despite the positive trends in solvency, some
sources highlight that Oracle's debt levels are high enough to warrant ongoing
monitoring [2]. The company's financial leverage, while
significantly reduced from its 2023 peak, remains a factor to watch [1].
In terms of stock stability, Oracle's stock has
shown resilience during market downturns, recovering well from events like the
Covid Pandemic and the Global Financial Crisis [5]. Its strong operational and financial foundation,
including strong growth, very strong profitability (Operating Margin of 31.5%,
Net Income Margin of 21.7%), and strong financial stability (Debt-to-Equity
Ratio of 16.4% as of most recent quarter), contribute to its overall
stability [5]. However, its current valuation, with a
Price-to-Sales (P/S) ratio of 11.1 and a Price-to-Earnings (P/E) ratio of 51.0,
is considered very high compared to the broader market and its historical
averages, suggesting limited room for further growth based on current
fundamentals [5].
In conclusion, while Oracle's absolute debt has
increased, its solvency and coverage ratios indicate an improving ability to
manage this debt, particularly with the strong recovery in its equity base. The
stock demonstrates resilience, but its high valuation suggests that much of
this positive financial performance is already priced in [5].
Authoritative Sources
1. Long-term Debt and Solvency. [stock-analysis-on.net]↩
Identifying the "best" blue-chip stock on the TSX with insider
buying for today, September 10, 2025, requires a multi-faceted approach,
considering both the definition of a blue-chip stock and the significance of
insider activity. While there isn't a single definitive "best" stock,
several companies on the TSX exhibit characteristics that align with this
query.
According to
www.iAsk.Ai - Ask AI:
Blue-chip stocks
are generally defined as large, well-established, and financially sound
companies with a long history of stable earnings and reliable dividends. They
are often market leaders in their respective industries and are considered less
volatile than smaller, growth-oriented companies. Insider buying, on the other
hand, refers to purchases of a company's stock by its executives, directors, or
other employees who have access to non-public information. This activity is
often seen as a positive signal, indicating that those closest to the company
believe its stock is undervalued or that its future prospects are strong.[1] [2]
Several TSX-listed
companies demonstrate a combination of blue-chip characteristics and recent
insider buying activity as of September 10, 2025:
5N Plus (TSX:VNP): This company,
which produces and sells specialty semiconductors and performance materials,
has seen significant insider purchases over the past year. This insider
confidence is coupled with a successful transition from loss to profitability
and an expanded supply agreement with First Solar, a major catalyst for future
growth. While not traditionally a "blue-chip" in the sense of a
long-established, massive corporation, its strong financial turnaround and
insider commitment make it a compelling option for stability and growth
potential. Analysts project significant revenue and earnings growth for 5N Plus
by 2028, with a fair value indicating a substantial upside.[3]
Orla Mining (TSX:OLA): As a company
involved in the acquisition, exploration, development, and exploitation of
mineral properties, Orla Mining exhibits strong growth potential with projected
annual revenue growth outpacing the Canadian market. While there hasn't been
substantial recent insider buying, insiders have been net buyers over the past
three months, indicating continued confidence. Its South Railroad Project in
Nevada is a key organic growth strategy, aiming for significant annual gold
production. Orla Mining's market capitalization of CA$4.27 billion and its
operational focus on mineral properties contribute to its blue-chip appeal
within the materials sector.[4]
Canfor Corporation (TSX:CFP): This integrated
forest products company has seen substantial insider buying over the past three
months, signaling strong confidence in its growth prospects. Canfor operates
across North America, Asia, and Europe, with significant revenue from its
Lumber and Pulp & Paper segments. Despite recent net losses, the company
aims for profitability within three years, and its strategic adjustments,
including a share repurchase program, underscore its commitment to long-term
stability. Its market capitalization of CA$1.56 billion and diverse operations
align with blue-chip characteristics.[5]
Parex Resources Inc. (TSX:PXT): This
Colombia-focused oil and gas firm has seen significant insider buying, with
three insiders purchasing over $650,000 worth of shares in the public market
over the past six months. Parex also has a strong dividend yield and has been
actively buying back shares, which, when combined with insider purchases,
indicates strong management conviction in the company's value and future. Its
ability to cover dividend distributions with cash from operations further
solidifies its financial stability, a key blue-chip trait.[6]
South Bow Corp. (TSX:SOBO): As an oil and
liquids pipeline operator, South Bow Corp. has experienced a notable bounce in
its stock price, accompanied by significant insider buying. Over the past six
months, insiders have been net buyers of nearly $1 million worth of stock, and
insider equity holdings have risen by 30%. The company also offers a strong
dividend yield, which is well-covered by its cash flow from operations. This
combination of insider confidence, financial health, and a stable operational
sector makes it a strong contender.[6]
Automotive Properties Real Estate
Investment Trust (TSX:APR.UN): This REIT, which holds a portfolio
of automotive dealership properties, has seen three insiders spend over $1
million acquiring trust units in the public market over the past six months.
The REIT provides a consistent monthly distribution, well-supported by its cash
flow from operating activities. Insider conviction in this REIT's prospects,
coupled with its stable real estate holdings, positions it as a reliable
investment for income and potential capital appreciation, aligning with
blue-chip investment principles.[6]
While other
companies like Vitalhub (TSX:VHI) and Robex Resources (TSXV:RBX) show strong
growth potential and insider ownership, their smaller market capitalization or
more volatile operational profiles might place them outside the traditional
definition of a "blue-chip" stock, which typically implies a higher
degree of established stability and market leadership.[4] Similarly, Lightspeed Commerce (TSX:LSPD) is a
growth company with insider ownership, but its recent net losses and focus on
future profitability might not align with the immediate "stability"
aspect often associated with blue chips.[5]
It is important to
note that while insider buying is a positive indicator, it is not a guarantee
of future stock performance. Investors should conduct thorough due diligence,
considering valuation, financial health, industry trends, and overall market conditions
before making investment decisions.[1] [2]
Authoritative Sources
1. Simply Wall St.
"Why 5N Plus (TSX:VNP) Is Up 6.7% After Insider Buying and Return to
Profitability and What's Next." [simplywall.st]↩
some people disagree because bitcoin is Cryptocurrency, particularly Bitcoin, has emerged as a transformative digital asset, offering a decentralized alternative to traditional financial systems. Its underlying technology, blockchain, enables secure and transparent transactions without the need for intermediaries like banks or governments.[1] [2]
ReplyDeleteAccording to www.iAsk.Ai - Ask AI: Bitcoin's appeal stems from several key advantages. It acts as a store of value, often dubbed "digital gold," especially during inflationary periods, and has historically delivered outsized returns compared to other asset classes.[3] [4] The ability for self-custody grants individuals complete ownership of their assets, a significant benefit in regions with weak property rights.[3] Its decentralized nature, distributed across numerous computers (nodes), makes it highly resistant to censorship or single points of failure, a pioneering achievement in distributed consensus.[3] [4] The network is permissionless, meaning anyone can access and use it regardless of location or wealth.[3]
Bitcoin transactions are secure due to public key cryptography and irreversibility, making them difficult to manipulate.[3] [5] Unlike traditional markets, Bitcoin operates 24/7, allowing for faster money transfers, particularly for remittances.[3] [1] Its fixed supply of 21 million bitcoins provides scarcity, contrasting with fiat currencies that can be printed indefinitely.[3] [6] Bitcoin is also highly divisible into smaller units called satoshis, facilitating micro-payments.[3] [4] Many investors view it as an inflation hedge against central bank money printing.[3] [4] For businesses, accepting Bitcoin can lead to lower transaction fees compared to credit cards, quicker payment processing, and no chargebacks, protecting against fraud.[7] [8] It also simplifies international transactions by eliminating foreign exchange fees and delays.[7] [8]
ReplyDeleteDespite these advantages, Bitcoin faces significant challenges and criticisms. Its most prominent disadvantage is volatility, with rapid and unpredictable price fluctuations that can lead to substantial gains or losses for investors.[3] [1] [6] This volatility makes it less viable as a stable medium of exchange.[6] The lack of widespread acceptance by merchants limits its utility as an everyday currency, and governments could potentially restrict its use to track transactions.[6] [9] Security concerns exist beyond the blockchain itself, as digital wallets can be lost due to hardware failure, viruses, or forgotten passwords, rendering bitcoins inaccessible.[6] [9] Furthermore, exchanges and third-party custodians are vulnerable to hacks and theft.[1] [7] The absence of buyer protection means transactions are irreversible, leaving consumers vulnerable if sellers fail to deliver goods.[6] [9] Bitcoin's relatively new technology may harbor unknown technical flaws that could be exploited.[6] The built-in deflationary nature, due to its capped supply, could incentivize hoarding rather than spending, potentially destabilizing the economy.[6] [9] From a practical standpoint, Bitcoin has no physical form, requiring conversion for physical store purchases.[6] The lack of a central authority means no one guarantees its minimum valuation, making it susceptible to significant price drops if large groups of holders decide to sell.[6] [9]
Regulatory uncertainty is a major hurdle; while some countries like Japan recognize Bitcoin as legal property, others like China have banned it entirely.[1] [10] In the U.S., cryptocurrencies are treated as property for tax purposes, subjecting gains to capital gains taxes, which can be complex for businesses to manage.[1] [7]
The energy consumption of Bitcoin mining, particularly for proof-of-work systems, is a significant environmental concern, though some miners are shifting to renewable energy.[3] [1] [11] Bitcoin's transaction speed is also limited compared to traditional payment networks like Visa, and scaling public blockchains remains a challenge.[3] [11] The increasing difficulty of mining could lead to centralization of mining power among large firms, undermining its decentralized ideal.[1] [11] Finally, the speculative nature of Bitcoin, often driven by sentiment and the "greater fool theory," means its value is not backed by intrinsic assets or fundamentals, making it a high-risk investment.[1] [11] [12]
ReplyDeleteAuthoritative Sources
What Is Cryptocurrency? [Investopedia]↩
Cryptocurrency Basics: Pros, Cons and How It Works. [NerdWallet]↩
Pros and Cons of Bitcoin: 20 Advantages and Disadvantages of BTC. [Cointree]↩
Benefits and Drawbacks of Bitcoin. [SDM.co]↩
Advantages and Disadvantages of Bitcoin. [Cleartax]↩
Like any currency, there are disadvantages associated with using Bitcoin. [Stanford University]↩
Examining the Pros and Cons of Bitcoin for Small Business. [Rivier University]↩
The Pros & Cons of Using Cryptocurrency in Your Manufacturing Business. [GMA-CPA]↩
Advantages and Disadvantages of Bitcoin. [Cleartax]↩
The brutal truth about Bitcoin. [Brookings]↩
What's Bitcoin? Should I invest in it? [Edward Jones]↩
Cryptocurrency Basics: Pros, Cons and How It Works. [NerdWallet]↩
compute intrinsic vlaue for enbridge based on all meodel inclu peterlybcnh
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ReplyDeleteThursday, October 30, 2025
using ai to find undervalue stock
compute intrinsic vlaue for enbridge based on all meodel inclu peterlybcnh
ChatGPT said:
Enbridge Inc (ENB)
$47.11
+$0.43(+0.93%)Today
1D5D1M6MYTD1Y5Ymax
Open46.74
Volume898.1K
Day Low46.55
Day High47.13
Year Low39.73
Year High50.54
Here’s a breakdown of how one could estimate the intrinsic value of Enbridge Inc. (Ticker: ENB) using several valuation models — including the kind of simpler “fair value” formula attributed to Peter Lynch — along with caveats. Note: These are illustrative and not investment advice.
1. Current market price
ENB is trading around US $47.11 (as of Oct 30, 2025) for the U.S. listing.
In Canadian dollars (since Enbridge is Canadian-based) the Canadian listing (ENB.TO) was around ~ CAD $65.98. Value Investing+1
(Exchange-rate differences matter.)
For simplicity, I’ll keep references in CAD when using Canadian sources, but you can adjust to USD if desired.
2. Peter Lynch “Fair Value” method
One of the references noted:
“Peter Lynch’s formula is: Fair Value = Earnings Growth Rate × TTM EPS” for ENB.TO → 17.11 × 2.52 = CAD $43.14. Value Investing
Here: 5-yr average earnings growth = ~17.11%
TTM (trailing-12-month) EPS = CAD $2.52
Result: ~CAD $43.14 fair-value by this method.
Since current price is ~CAD $65.98, this implies over-valued by this method (~-35%). Value Investing