“I just bought 10,000 shares of a $5 stock…”

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A message from our friends at The Oxford Club

Dear Reader,

I just bought 10,000 shares of a little $5 company…

And I suggest you do the same.

I think it could be a fantastic opportunity (as I explain here.)

Similar to when I put $50k into a little-known mining company back in 1995…

Then cashed out 3 years later for about $1.3 million.

Get the details here… then decide for yourself.

Yours for peace, prosperity, and liberty, AEIOU,

Dr. Mark Skousen
Macroeconomic Strategist, The Oxford Club

P.S. I first developed a relationship with the President when he spoke at my FreedomFest conference.

And I quickly learned that he does not want the United States dependent on foreign nations for our resources.

That’s why I’m convinced his administration will take a stake in this one company.

It is the ONLY company in America capable of providing a crucial resource… 80% of which is controlled by Russia, China, and Indonesia.

Here’s the whole time-sensitive story.

Further Reading from MarketBeat Media

Why Mastercard and Visa Are the Definition of Forever Stocks

Written by Jordan Chussler. Article Posted: 3/14/2026. 

Tablet displays Visa and Mastercard payment logos beside credit cards.

Key Points

  • The financials sector has lagged the S&P 500 this year, but two payment processing giants continue to deliver the kind of margins and earnings consistency that define long-term holdings.
  • Despite recent sector-wide struggles, Visa and Mastercard function as a veritable duopoly, controlling over 90% of payments outside of China.
  • Visa hasn’t missed on earnings in 10 years, while Mastercard has secured 21 consecutive quarterly beats.
  • Special Report: Every morning, an AI ranks 357 stocks for you (From TradingTips)

After returning nearly 23% annually over the past two years, the financials sector has struggled this year. With a year-to-date loss of around 9%, the cohort ranks last among the S&P 500’s 11 sectors.

Zoomed out, however, many companies in the sector remain core holdings for buy-and-hold investors.

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With high-quality growth stocks harder to find, two legacy firms in global payment processing and digital payments continue to deliver profit margins and business characteristics that make them candidates for “forever” stocks.

Why Digital Payment and Payment Processors Make for Good Forever Stocks

Payment processors typically enjoy higher profit margins than many other industries because of high-volume demand, extensive automation and technology-driven models that keep marginal costs per transaction very low.

The industry is also positioned for strong growth. Industry analytics firm Grand View Research estimates the global payment processing solutions market—valued at nearly $48 billion in 2022—will grow at a compound annual growth rate (CAGR) of 14.5% through 2030, reaching nearly $140 billion. Grand View also forecasts the digital payment market, valued at more than $114 billion in 2024, will expand at a 21.4% CAGR through 2030 to exceed $361 billion.

Although that growth and attractive gross margins might suggest the space is crowded, two of the biggest names in the industry still operate in a near-duopoly, handling more than 90% of credit card and digital payments processed outside China. With roots going back to the mid-1900s, these firms control much of the payment infrastructure and standards, which helps them set fees, limit competition and preserve strong margins.

Although challengers such as Block (NYSE: XYZ), with Cash App, and PayPal (NASDAQ: PYPL), with Venmo, seek to disrupt the market, none fit the “forever stock” profile better than the two companies below.

Mastercard: The $450 Billion Market Cap Company Focusing on Tech Integration

Since Michael Miebach became CEO of Mastercard (NYSE: MA) in 2021, management has focused on expanding tech platforms, supporting cross-border commerce and developing services that help clients reduce fraud, streamline payment flows and extract insights from payments data.

That strategy helped Mastercard report record revenue and net income in 2025. Revenue of nearly $33 billion represented a year-over-year (YOY) increase of more than 16%, and net income of almost $15 billion grew by a similar margin.

That profitability was driven in large part by a 100% gross margin throughout 2025, enabled by tech integrations and a minimal cost of goods sold such that quarterly gross profit closely matched quarterly net revenue.

For investors, that has translated into consistent earnings performance. The last time Mastercard missed an earnings estimate was Q3 2020 after the onset of the COVID-19 pandemic; since then it has recorded 21 consecutive quarterly earnings beats.

Most recently, Mastercard reported Q4 2025 EPS of $4.76, roughly a 25% YOY increase. Analysts expect earnings to grow about 17% over the next year, from $15.91 to $18.61 per share.

At the same time, Mastercard has been embracing broader fintech trends, transitioning from a traditional payments network toward an AI-driven, software-focused enterprise that emphasizes enhanced security, simplified B2B transactions with virtual cards and agentic AI tools.

Additionally, Mastercard pays a dividend. While its yield is modest (currently 0.69%), the company has raised its payout for 13 consecutive years, maintains a sustainable dividend payout ratio of 21.07%, and has a five-year annualized dividend growth rate of 13.70%.

Visa: Evolving and Adapting Since 1958

Visa (NYSE: V) operates a network-based model that lets partner banks and other financial institutions issue branded payment products while Visa focuses on infrastructure, standards and technology integration.

Like Mastercard, Visa is rapidly integrating fintech capabilities, pursuing AI-driven solutions and exploring blockchain-based settlement with the aim of shifting from traditional card transactions toward more flexible, digital-first experiences.

That approach helped Visa post record revenue and net income in 2025: revenue of about $40 billion, an 11% YOY increase, and net income of nearly $20 billion.

Visa’s consistency on earnings is notable. It hasn’t missed an earnings estimate in the past 10 years—in that span it met expectations twice and beat EPS estimates 38 times.

Much of Visa’s resilience is supported by its near-83% gross profit margin in 2025, in line with its long-term average.

Like Mastercard, Visa pays a modest dividend (current yield 0.87%). Its payout ratio is a healthy 25.14%, its five-year annualized dividend growth rate is 14.48%, and the company has raised its dividend for 17 consecutive years.

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Published by RJ Hamster

I was born on 6 August 1956 in San Francisco, California to Janet and (the late) Richard Hovis. I grew up in Santa Monica, California where I attended elementary, junior high school, and high school (graduating in 1974), in addition to involvement in sports and recreation (Little League +, the Boy’s Club ++). Further, it was in elementary school – St. Augustine’s By-the -Sea Parish School that I found, and made the choice to truly journey with God. I attended Arizona State University from 1974 to 1977 – seeking to become an architect, however, I was not accepted, and, as such, I graduated with a Liberal Arts degree. Upon graduation from Arizona State University, I attended Cal Poly San Luis Obispo and studied City and Regional Planning at the Master’s level. I successfully completed one (1) year in a two (2) year program – I did not complete the Master’s degree in City and Regional Planning – due to personal reasons. I returned to Santa Monica where I started (October 1979) my career as graphic designer with Exxon Company, USA. I spent five years with Exxon Company, USA. While working with Exxon Company, USA I was accepted into architectural school – Sci-Arc in Southern California, however, I did not attend preferring to stay with Exxon.. In 1982 I married Laura Flosi and in April 1983 we had our one and only child – Lauren Alain Hovis – a gift from God. We moved to Phoenix, Arizona in 1984 from Los Angeles, where I went to work as a graphic designer with Kitchell CEM (from 1985 -1987). From 1987 – 1995 I was an independent contractor, and a registered representative in mortgage finance, financial management, graphic design, and drafting. Further, I attended the University of Phoenix and successfully obtained a Master’s in Business Administration (MBA) in 1982. I was also a member of the Scottsdale Jaycees, where I became very involved in community events and projects. In 1994, I accepted a cartography position with the Defense Mapping Agency in Reston, Virginia. As such, I relocated from Phoenix to Reston. In 1998, I was accepted and worked as a Visual Information Officer with the Central Intelligence Agency. In 2002, I worked as a Support Officer until my retirement (due to a need for shoulder surgery) in September 2018. Away from my Federal Government service, I have been involved in various organizations and activities in Northern Virginia. In November of 2011, I married Rebecca Ouellette in Santa Monica, California. I reside in San Tan Valley, AZ with my two hamster - Jess and Timothy, our fish, our lizard - RJ Lizard., and our cats - Pearl and Grey. As to hobbies, I enjoy playing sports, attending sporting events, mentoring individuals from financial management to hamsters, building models, photography, travel, multimedia design, managing partner for RJ Hamster, and jazz – smooth jazz to a samba or a bossa nova. Love and God Bless, Peter – aka RJ Hamster Jo hi

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