I am a graduate student and equity research contributor focused on fundamental analysis, valuation, and financial statements. My main areas of interest include banks, financial services, utilities, and fintech, with a particular emphasis on understanding earnings quality, balance sheet strength, and long-term business sustainability. I am currently pursuing a Master’s degree in Finance and have passed CFA Level I, with ongoing preparation for Level II. In parallel with my academic path, I previously served in the Brazilian Navy, where I developed a disciplined, analytical approach to decision-making, risk assessment, and operational accountability. This background has shaped my preference for structured analysis and conservative assumptions when evaluating companies. My experience is primarily academic and research-oriented, with extensive practice analyzing public companies through coursework, independent research, and financial modeling. I focus on building a clear understanding of how businesses generate returns, how leverage and capital structure influence risk, and whether current market prices reflect underlying fundamentals. My investment approach is bottom-up and valuation-driven. I rely on company filings, earnings releases, and consensus estimates to form independent views, with an emphasis on cash flow sustainability, return metrics, and downside protection rather than short-term market narratives. I write on Seeking Alpha to share clear, data-driven investment perspectives and to continuously refine my analytical framework. My goal is to present balanced theses that highlight both opportunities and risks, helping readers better assess valuation relative to fundamentals.Closely associated with GT Research
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.
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