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The Finance Corner

Kostadin Ristovski, ACCA

Independent Equity Research

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Substack
PricingFreemiumPublishesWeekly
Issues93Founded4 years agoLast Issuea month ago
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thefinancecorner.substack.com
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Latest Issues

I cloned my voice for $1

I am a curious person. I want to figure out how things work.

I also want to start with an admission: I had no idea what I was doing.

A few days ago, I was looking into the latest open-source AI models, specifically text-to-speech. One th...

a month ago
3
2

Not All SaaS Will Survive.

When ChatGPT was introduced, a number of companies were disrupted.

  • Chegg’s share price decreased by 99%.

  • Stack Overflow’s number of monthly questions decreased from 200k+ in 2014 to less than 4,000 in December 2025.

  • I’ve argu...

a month ago
3

Zoom has something in common with Yahoo

Zoom had its popularity during COVID, when everyone was working at home, and its share price went up 8x in less than a year. Of course, the correction followed.

Now, it is barely mentioned, and I think that is a mistake.

But before we ge...

a month ago
9
2

Crocs - The "fashion fad" is still around

1.0 Introduction

About a year ago, I wrote a deep dive on Crocs, and if you’re interested in understanding the company, I’d recommend reading that one first.

In this post, I want to break down what has happened over the last year and...

2 months ago
13

The discount rate trap

1.0 Introduction

In school, we’re taught to solve equations to get to the right answer. This accumulates over time, and we’re trained to search for “the right answer”.

In valuation and investing, “the right answer” is known only in h...

2 months ago
9
1

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  • Kostadin Ristovski, ACCA

    A curious human being, interested in a lot of stuff, one of them being finance.

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