STRATEGYmonths82% confidence

Guarantee the High Watermark

Win incumbent rights by guaranteeing the counterparty their peak earnings, then cut them into the ancillary markets they never monetized.

Problem it solves

Taking over category rights from incumbents who fear the boom that inflated the category is about to revert.

Best for

Operators consolidating a fragmented, under-innovated category with strong brand trust and capital.

Not ideal for

Markets where the boom is genuinely permanent (the counterparty will not over-value a guarantee).

Overview

Why this framework exists

When Rubin moved on trading-card rights in late 2020-2022, the COVID card bump had inflated league/player earnings and everyone expected it to revert. Rubin's offer: guarantee the league its current high-watermark earnings (e.g. lift a $10M guarantee to $40M/year), AND cut them into the secondary-market, live-commerce and other ancillary revenue streams they had never participated in (those flowed to eBay, Whatnot, distributors). A counterparty bracing for a fall is delighted to lock in the top. Paired with disintermediating the distributor — selling hobby shops, breakers and retailers direct ('any good brand — LVMH, Nike, Adidas — would never sell through a distributor'), so the channel makes more money and consumer prices stay lower.

Core principles

4 total
  1. Find the counterparty who is bracing for their market to fall, and let them lock in the top.
  2. Pay above the current high watermark when you believe you can grow the pie they cannot see.
  3. Cut the incumbent into the ancillary/secondary markets they were never monetizing — it is found money to them.
  4. Disintermediate the distributor: sell the end-channel direct so margin and consumer price both improve.

Origin story

How this framework came to be

Came up with the trading-card idea in November 2020 and within hours was calling league heads. 'I had them at hello' — the leagues thought the business would revert, so a long-dated guarantee above their peak looked like Fanatics being the suckers. Bought Topps January 1, 2022 ($500M).

Source

Traced to primary
Source · VIDEO
Michael Rubin on Building Fanatics Into a Billion-Dollar Empire (Boardroom cover story)
Boardroom (Rich Kleiman) · 2025
Open source →

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