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Patient Capital’s Q1 Letter Details Underperformance, Backs Chime, Adds Adobe as Energy Bets Rally

The update points to stock selection effects as the main drag.

Overview

  • Patient Capital Management released its Q1 2026 investor letter Monday, reporting a -5.96% net return versus the S&P 500’s -4.33%.
  • The firm attributed the gap to stock selection and interaction effects after a quarter when investors dumped software over AI and cloud spending fears and many private‑credit funds curbed withdrawals.
  • Offshore drillers led gains as higher crude prices tied to conflict in the Middle East boosted the group, with Noble up 75.8% and Seadrill up 31.5% in the first quarter.
  • The fund initiated a position in Adobe, arguing AI disruption fears are overstated and pointing to durable revenue from Document and Experience Cloud, early Firefly monetization, and a 10% free‑cash‑flow yield.
  • Chime Financial fell 25.5% in Q1, yet the manager maintained conviction, citing a direct‑deposit user base that limits credit risk, a large cross‑sell runway, and a path to GAAP profitability.