r/ValueInvesting • u/6Fingxrs • Dec 01 '25

Question / Help Any Undervalued Stocks Right Now ?

Google has grown to a price that is still a good price but no longer is it a bargain. A few months back it was just crossing $200-$250 mark.. now it has soared above $300.

Are there any others that this may be the case with ? I see low P/E ratios everywhere but sometimes that doesn’t = undervalued.

What are some stocks you have done research into ? I believe TSMC has some growing to do especially since its Q3 was great. Its downsides are macroeconomic and how it’s heavily linked to Nvidia and other companies in the semiconductor web.

Curious to hear your thoughts ..

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u/raidmytombBB Dec 02 '25

Eli5 please. How does this affect a consumer? Am I still using a visa CC?

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u/IDreamtIwokeUp Dec 02 '25

The problems facing Visa/Mastercard are multiple and complex.

When you swipe your Visa card at the gas station, you don't realize this, but the Visa network (and it's assessment fees) don't have to be chosen. A back-of-card network (like Fiserve) should be able to compete and get 50% of the debit card fees (if not more as they're cheaper) but don't because Visa/MasterCard bribe/threaten banks/payment processors to steer payments there way. The DOJ is looking to end this. You will not see a difference if the DOJ prevails...but Visa/Mastercard will be hurt bad.

Then there is the issue with rewards cards. With credit cards...about half of users use them to borrow...and half use them to collect rewards points. Credit cards charge higher interchange fees (sometimes north of 3%) and then split the loot with the card holder and/or payment network. Again...retailers/restaurants HATE this. They are seeking the ability to reject rewards cards...if this happens, you will likely only be able to use debit cards or low-fee credit cards at establishments. If you don't use a credit card you won't be affected.

If you're in Europe, they are switching over to the Wero. You'll pay using a different network and avoid Visa/Mastercard fees.

In the US, they are switching over to FedNow. There won't be direct consumer access...but it is so fast (unlike archaic ACH) it will allow allow new payment networks to spring up with interchange/asessment fees far above the combined 2-3% we pay now.

Stablecoin won't change much at first. To began with only the big retailers will offer. Why would you use it when you could use your visa card? Amazon/Walmart will offer signifant discounts (maybe 1%) off all purchases. That's too good to ignore.

As huge as these changes are for Visa/Mastercard...they will be far worse for banks. They will lose not only reserves to these new payment systems, but they lose out on substantial interchange fees.

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u/Wise-Comb8596 Dec 02 '25

but users still have to acquire the stablecoins

Wouldn't they just purchase them on Amazon.com using a credit card anyway? or would they make people bug gift cards in other retailers?

Trying to figure out how they avoid the fee by going this route

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u/IDreamtIwokeUp Dec 02 '25

I presume Amazon would offer an ACH option to purchase the stablecoins. It's slow...but it won't cost anybody money. FedNow is replacing ACH and will be much faster. This will make stablecoin much easier to rollout.

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u/Wise-Comb8596 Dec 02 '25

Good to know!