Money Psyche

  🧠 CAMS: The Hidden Backbone of India’s Mutual Fund Boom — A Long-Term Gem When you think of investing in India's growth story, you probably think banks, digital apps, or UPI. But few investors look at the quiet giants building the financial infrastructure beneath it all. One such giant? CAMS (Computer Age Management Services Ltd). 🚀 What is CAMS? CAMS is India's largest Registrar and Transfer Agent (RTA) — the backbone tech that powers 68% of all mutual fund transactions in India. It works with 10 of the top 15 AMCs and processes billions in SIPs, redemptions, and fund operations monthly. This isn’t a mutual fund. It’s the one operating behind the scenes of all of them. 📊 The Financial Story: Steady, Scalable, Profitable FY25 Revenue: ₹1,424 Cr (+25% YoY) FY25 PAT: ₹470 Cr (+33% YoY) EBITDA Margin: 46% ROE: ~40% Debt: Zero As shown in the chart above, CAMS’s revenue and PAT growth closely follow India’s mutual fund AUM — which surged from ₹3...

Find out why Duolingo (DUOL) stock can provide 3x–5x returns over a few years. A detailed analysis of its AI-driven growth, user base, financial strength, and future prospects in the global EdTech market. DUOLINGO (DUOL): The AI-Powered Learning Giant Wall Street Is Ignoring No longer is Duolingo merely a language-learning app — it’s fast becoming a global AI-based education platform. Now that its stock price has fallen 30% in recent days, should you buy Duolingo's stock? Let's examine its business model, finances, growth prospects, and risks. 1. It's no Longer Just a Language App It started with languages like French and Spanish but is today scaling across education. It's a profitable gamified AI-native learning platform hugely underrated by nearly every investor. 2. Duolingo’s Growth Flywheel Defined What's distinctive about Duolingo is its product-led, low-CAC growth model: 90%+ of users acquire organically The free plan attracts individuals by streaks...