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Strategy Expands Bitcoin-Backed Credit Globally, Beats Q3 Estimates

Strategy Plans Global Expansion for Bitcoin-Backed ‘Credit Factory’ as MSTR Stock Climbs Despite Lowered Analyst Targets

  • Strategy plans to grow its digital credit business internationally, focusing on Bitcoin-backed credit products.
  • The company ended the third quarter with 640,031 Bitcoin, valued at $73.2 billion.
  • October Bitcoin purchases totaled 778, marking the slowest monthly accumulation in over a year.
  • Wall Street firms lowered their price targets for Strategy but maintained positive ratings.
  • Third-quarter revenue reached $129 million, surpassing Wall Street estimates.

Strategy announced new international plans for its digital credit operations following the release of its third-quarter results. The company intends to expand beyond the United States and become a major issuer of Bitcoin-backed credit products globally.

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At the end of Q3, Strategy reported holdings of 640,031 Bitcoin, translating to $73.2 billion in value. October saw the acquisition of 778 Bitcoin, the slowest pace in more than a year. Revenue for the quarter reached $129 million, exceeding analyst expectations of $117 million. Adjusted earnings per share were reported at $31.27, matching forecasts.

Phong Le, President and CEO, stated the firm is “actively laying the groundwork for credit securities in international jurisdictions.” The goal is to position Strategy as a leading global issuer, leveraging Bitcoin as digital capital to secure and issue new structured credit products for investors.

During the earnings call, Executive Chairman Michael Saylor described Bitcoin as “digital capital” and said the company’s model aims to generate U.S. dollar yields for credit investors through Bitcoin-backed instruments. “This digital treasury model allows us to create a digital credit factory. If you look at the company, what we’re doing is we’re manufacturing USD yield for credit investors, and we’re delivering them that yield in the form of ROC dividend,” Saylor explained.

Wall Street firms responded by trimming price targets while maintaining favorable outlooks for the stock. BTIG reduced its target to $630 from $700 but kept a ‘Buy’ rating, citing the importance of the credit business expansion. Cantor Fitzgerald lowered its target from $697 to $560 with an ‘Overweight’ rating, noting the slower pace of Bitcoin accumulation could limit the growth potential of the company’s capital strategy.

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Reporting included outside criticism, with Peter Schiff arguing that the positive results rely on Bitcoin gains rather than operational growth.

Strategy plans to prioritize further Bitcoin purchases and introduce credit products in regions such as Europe, Asia, and the Middle East. Saylor emphasized that the company views Bitcoin-backed credit as a scalable, instant, and tax-efficient alternative to more traditional finance instruments.

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