TIP750: GENERATING ALPHA, DIGITAL PAYMENTS, & AI

W/ DEIYA PERNAS

TIP750: GENERATING ALPHA, DIGITAL PAYMENTS, & AI W/ DEIYA PERNAS

04 September 2025

On today’s episode, Clay is joined by Deiya Pernas to discuss his investing philosophy, why he sees opportunity for investors in the digital payments space, and why he is closely following developments in AI.

After a decade of experience in the investment industry, Deiya co-founded Pernas Research with his brother in 2023. Since January 2017, the Pernas portfolio has published audited net returns of 27.1% versus the S&P 500’s average annualized return of 14.7%.

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IN THIS EPISODE, YOU’LL LEARN:

  • Pernas’ overall investing philosophy that has enabled them to crush the market.
  • How we as investors can go about making predictions about an uncertain future.
  • What poker taught Deiya about effective portfolio management.
  • The importance of understanding working capital.
  • Why Deiya is attracted to the digital payments space.
  • An overview of why Deiya is long Remitly.
  • Why Wise PLC isn’t a major threat to Remitly.
  • Why Deiya is closely following developments in AI.
  • And so much more!

TRANSCRIPT

Disclaimer: The transcript that follows has been generated using artificial intelligence. We strive to be as accurate as possible, but minor errors and slightly off timestamps may be present due to platform differences.

[00:00:00] Clay Finck: On today’s episode. I’m joined by Deiya Pernas. After a decade of experience in the investment industry, Deiya co-founded Pernas Research with his brother. Since January, 2017, they’ve published audited net returns of 27.1% versus the S&P 500’s averaged annualized return of 14.7% over that same time period.

[00:00:21] Clay Finck: In this episode, we discuss their overall investing philosophy that has enabled them to crush the market. How we as investors can go about making predictions about an uncertain future. What poker taught Deiya about effective portfolio management, the importance of understanding working capital, why Deiya is attracted to the digital payment space, and why he’s long Remitly and Wise PLC, the developments that Deiya is following in AI and much more.

[00:00:45] Clay Finck: I’m really happy that we could get Deiya on the show as he puts together top-notch research and takes a unique approach to really understanding businesses. And the value they generate for shareholders, which has led to vastly superior returns relative to his peers. So with that, I really hope you enjoy today’s conversation with Deiya Pernas.

[00:01:08] Intro: Since 2014, and through more than 180 million downloads, we’ve studied the financial markets and read the books that influenced self-made billionaires the most. We keep you informed and prepared for the unexpected. Now for your host, Clay Finck.

[00:01:32] Clay Finck: Welcome to The Investor’s Podcast. I’m your host, Clay Finck, and today I’m happy to be joined by Deiya Pernas. Deiya. So great to have you here.

[00:01:40] Deiya Pernas: Very happy to be here and looking forward to the discussion.

[00:01:44] Clay Finck: So I’ve been really enjoying diving into your research in recent months, and I’ve just been eager to bring you on the show here to discuss a few different themes.

[00:01:51] Clay Finck: Being a host of the show, I’ve looked at and reviewed the investment track record of several investors, and when I saw the track record that your team publishes, I was quite impressed to say the least. Since January of 2017, you guys achieved a net return of 27.1% versus 14.7% for the S&P 500. So really looking forward to hopefully learning a thing or two from you here today.

[00:02:14] Clay Finck: Before we get into some of the themes we’re going to discuss. How about you just talk a little bit about your approach to markets and how you guys take a differentiated view to investing?

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