Core Insights - Investors are encouraged to focus on companies that deliver strong returns after accounting for all operating and non-operating expenses, emphasizing the importance of profitability over loss-making firms [1] Company Analysis - Intuit Inc. (INTU), Dave Inc. (DAVE), and Nova Ltd. (NVMI) are highlighted as top investment picks for the second half of the year due to their high net income ratios [2] - The net income ratio is a critical measure of a company's profitability, indicating the percentage of net income relative to total sales revenues, with higher ratios suggesting better revenue generation and expense management [3] - The 12-month net profit margins for the selected companies are as follows: NVMI at 28.5%, INTU at 19.1%, and DAVE at 13.8%, all demonstrating strong sales and income growth compared to industry averages [9][10] Screening Criteria - Additional screening parameters include: - Zacks Rank of 1, indicating a strong buy recommendation based on historical performance [4] - Trailing 12-month sales and net income growth exceeding industry averages [5] - A net income ratio higher than the industry average, reflecting solid profitability [5] - A strong buy percentage rating greater than 70%, indicating a majority of broker recommendations are positive [5]

Core Insights - Dave Inc.'s ExtraCash service is crucial for the underbanked, representing 14.2% of U.S. households in 2023 [1][2] - The underbanked prefer neobanks due to limited access to affordable credit and high fees from traditional banks [2] - ExtraCash provides interest-free cash advances up to $500 without traditional credit checks, utilizing alternative data underwriting [3] - The new fee structure for ExtraCash, with a 5% fee capped at $15, enhances transparency and affordability for users [4] - Mobile banking is on the rise, with over 79% of the population expected to use online banking by 2029, positioning Dave's mobile-first platform favorably [5] - ExtraCash helps users avoid costly traditional banking fees, promoting financial resilience and inclusion [6] Financial Performance - DAVE's stock has increased by 657.6% over the past year, outperforming the industry average of 45.8% and competitors CoreCard and Qifu Technology [7] - DAVE trades at a forward price-to-earnings ratio of 25.69, higher than the industry average and Qifu Technology's 23.15 [11] - The Zacks Consensus Estimate for DAVE's earnings in 2025 is $8.74 per share, reflecting a 66.8% increase from the previous year [14]

Core Viewpoint - Barstool Sports founder Dave Portnoy has invested $10 million in Tesla stock, aiming for a quick profit amid a sell-off, with Tesla shares trading at $293.76 and down 6.85% at the time of purchase [1][4]. Group 1: Investment Strategy - Portnoy's strategy is characterized as "buying the dip," with an expectation to turn the investment into a $1 million profit within a few weeks [4]. - The investment comes during a period of sustained pressure on Tesla's stock due to various headwinds [4]. Group 2: Company Leadership and Political Activities - Portnoy has publicly questioned CEO Elon Musk's ability to effectively lead Tesla while engaging in political roles, particularly his involvement with the U.S. government [5][6]. - Musk's political activities, including endorsing Trump and forming a new "America Party," have contributed to negative sentiment around Tesla's stock [6][7]. Group 3: Sales Performance - Tesla's sales have significantly declined, with second-quarter deliveries falling 11% year-over-year to 394,380 vehicles, following a 13% decline in the first quarter [8]. - Demand in key European markets, such as France, Germany, and Norway, has seen steep declines [8].

Core Viewpoint - The article emphasizes the importance of identifying and sustaining trends in short-term investing, highlighting that sound fundamentals and positive earnings estimates are crucial for maintaining momentum in stock prices [1]. Group 1: Stock Performance - Dave Inc. has shown a significant price increase of 252.2% over the past 12 weeks, indicating strong investor interest and potential upside [3]. - The stock has also experienced a price increase of 28.4% over the last four weeks, suggesting that the upward trend is still intact [4]. - Currently, Dave Inc. is trading at 103.8% of its 52-week high-low range, indicating a potential breakout [4]. Group 2: Fundamental Strength - Dave Inc. holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [5]. - The stock's Average Broker Recommendation is also 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [6]. Group 3: Investment Strategy - The article suggests that investors can utilize the "Recent Price Strength" screen to identify stocks like Dave Inc. that are on an upward trend supported by strong fundamentals [2]. - There are over 45 Zacks Premium Screens available for investors to find stocks that align with their personal investing styles [7].

Core Insights - Nu Holdings (NU) and Dave (DAVE) are significant players in the digital financial services sector, with NU serving over 118 million customers in Latin America and DAVE focusing on the U.S. market [2][9]. Group 1: Nu Holdings (NU) - NU experienced a 19% year-over-year growth in new customers in Q1 2025, reaching nearly 100 million active users, primarily driven by its expansion in Brazil [4][9]. - Financially, NU's revenue grew by 40% year-over-year, with net income increasing by 74%, and average revenues per active customer rose by 17% year-over-year on a foreign exchange-neutral basis [5][9]. - The company’s non-performing loan (NPL) ratio increased by 60 basis points, indicating strong underwriting and risk management [6]. - Regulatory approval for its banking license in April enhances NU's product capabilities and growth potential in both Brazil and Mexico, with expectations of an 8% CAGR in the Latin American fintech market from 2025 to 2030 [7]. Group 2: Dave (DAVE) - DAVE reported a 46% growth in ExtraCash originations in Q1 2025, contributing to a 47% increase in revenues and a remarkable 235% rise in adjusted EBITDA year-over-year [8][9]. - The member base grew by 15% year-over-year, with 569,000 new members added, reflecting strong demand for its services [8]. - DAVE's proprietary underwriting engine, CashAI, improved credit performance, resulting in an 18% year-over-year enhancement in the 28-day delinquency rate and a reduction in credit loss provisions [10]. - The company’s non-GAAP variable profit surged by 67% year-over-year, with a significant increase in variable margin [11]. - DAVE's focus on the U.S. market presents opportunities for expansion as the global fintech market is expected to grow at a 15.3% CAGR from 2025 to 2030 [12]. Group 3: Financial Estimates and Valuation - The Zacks Consensus Estimate for NU's 2025 sales is $14.8 billion, indicating a 28.5% year-over-year growth, while earnings are expected to rise by 20% [13]. - For DAVE, the 2025 sales estimate is $474.4 million, suggesting a 36.7% year-over-year growth, with earnings projected to surge by 66.8% [13]. - NU is trading at a forward P/E ratio of 20.21X, slightly below its median, while DAVE is at 24.64X, lower than its median of 33.74X, indicating that NU appears cheaper compared to DAVE [16].

Company Overview - Cap Gemini SA (CGEMY) is a member of the Business Services sector, which includes 271 individual stocks and currently holds a Zacks Sector Rank of 2 [2] - Cap Gemini SA belongs to the Outsourcing industry, which consists of 9 individual stocks and is currently ranked 96 in the Zacks Industry Rank [5] Performance Analysis - Year-to-date, Cap Gemini SA has returned 4.7%, outperforming the average gain of 1.5% for Business Services stocks [4] - In contrast, another stock in the Business Services sector, Dave Inc. (DAVE), has significantly outperformed with a year-to-date return of 187.2% [4] - The Outsourcing industry, which includes Cap Gemini SA, has lost an average of 14.2% so far this year, indicating that CGEMY is performing better than its peers in this specific area [5] Earnings Outlook - Cap Gemini SA currently has a Zacks Rank of 2 (Buy), with the consensus estimate for its full-year earnings having increased by 4.5% over the past quarter, reflecting improved analyst sentiment [3] - In comparison, Dave Inc. has a Zacks Rank of 1 (Strong Buy), with its consensus EPS estimate increasing by 90.6% over the past three months [5] Industry Context - The Technology Services industry, which includes Dave Inc., is ranked 40 and has gained 4.3% so far this year [6] - Investors interested in Business Services stocks should continue to monitor both Cap Gemini SA and Dave Inc. for their solid performance [6]

Core Insights - First Horizon Corporation has been recognized for the 17th consecutive year as one of the 100 Best Adoption-Friendly Workplaces by the Dave Thomas Foundation, highlighting its commitment to supporting employees in expanding their families [1] - The recognition reflects First Horizon's mission to be a revered employer of choice, as stated by Tanya Hart, Senior Executive Vice President and Chief Human Resources Officer [1] Company Overview - First Horizon Corp. has $81.5 billion in assets as of March 31, 2025, and operates as a leading regional financial services company [2] - The company is headquartered in Memphis, TN, and its banking subsidiary, First Horizon Bank, operates in 12 states across the southern U.S. [2] - First Horizon offers a range of services including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [2] - The company has received accolades as one of the nation's best employers from Fortune and Forbes magazines and is recognized as a Top 10 Most Reputable U.S. Bank [2]

Core Points - Dave & Buster's Entertainment has promoted Les Lehner to Chief Development Officer, succeeding John Mulleady who will retire on October 23, 2025 [1][2] - Mulleady will transition to an advisory role effective June 30, 2025, and will provide consulting services until January 31, 2026 [2] - The company has a pipeline of approximately 40 new stores expected to open over the next three years, indicating ongoing growth in development efforts [3] Company Overview - Dave & Buster's Entertainment, Inc. operates 236 venues across North America, including 175 Dave & Buster's stores and 61 Main Event stores [5] - The company offers a combination of dining and entertainment experiences, allowing guests to "Eat Drink Play and Watch" in one location [5] - The venues feature a full menu, a variety of beverages, and numerous entertainment attractions such as arcade games and live sports viewing [5] Leadership Background - Les Lehner has been with the company since August 2022 as Chief Procurement Officer and Head of Main Event Development [4] - He has prior experience as Executive Vice President at Main Event Entertainment and Senior Vice President at Red Robin Gourmet Burgers [4] - Mulleady has served nearly 15 years at Dave & Buster's, leading the construction of over 100 new stores during his tenure [3]

Core Insights - Dave Inc. (DAVE) ended Q1 2025 with 12.4 million members, adding 569,000 new members, reflecting a 15% year-over-year growth [1][8] - Monthly transacting members increased by 13% year-over-year to a record 2.5 million, indicating deeper user engagement [1][8] - The average revenue per user (ARPU) rose by 29% year-over-year, and ExtraCash originations grew by 46%, suggesting successful marketing and product-market fit [3][8] User Acquisition and Marketing - Marketing expenses increased by 13% year-over-year, leading to a rise in customer acquisition costs (CAC) to $18, a $2 increase from the previous year [2] - The company focuses on acquiring high-value users, which may lead to a sacrifice in optimal CAC trends [2] - The new fee structure, consisting of a flat 5% fee on ExtraCash transactions, has improved monetization and conversion rates while maintaining strong member retention [4] Competitive Landscape - Despite impressive user growth, DAVE's performance is outpaced by competitors Nu and SoFi Technologies, which added 4 million and 800,000 customers respectively in the same period [5] Stock Performance and Valuation - DAVE's stock has increased by 539.9% over the past year, significantly outperforming the industry growth of 52.8% and the S&P 500's rise of 12.3% [6] - The company trades at a forward price-to-earnings ratio of 23.82, which is below the industry's 24.34 [10] - The Zacks Consensus Estimate for DAVE's earnings for 2025 has increased by 20.7% over the past 30 days [12]

Core Insights - Dave Inc. (DAVE) stock has experienced remarkable growth, increasing by 540.5% over the past year, significantly outperforming the industry average of 51.6% and the S&P 500's growth of 12.3% [1] - In the last six months, DAVE shares rose by 152.6%, while the industry saw only a 3.1% increase, with competitors Katapult Holdings (KPLT) and MediaAlpha (MAX) gaining 38.5% and 3.2%, respectively [4] Financial Performance - DAVE's proprietary underwriting engine, CashAI, contributed to a 67% year-over-year increase in Q1 variable profit and a 950 basis point improvement in variable margin [6][9] - ExtraCash originations rose by 46% year-over-year to $1.5 billion, aided by CashAI's effective underwriting capabilities [10] - The 28-day delinquency rate improved by 33 basis points year-over-year, with provisions for credit losses decreasing from 0.94% to 0.69% [11] Profitability and Growth Estimates - DAVE's return on equity (ROE) stands at 59.2%, far exceeding the industry average of 6.6% [13] - The Zacks Consensus Estimate for 2025 revenues is $474.4 billion, indicating a 36.7% increase from the previous year, with earnings per share (EPS) expected to grow by 66.8% to $8.74 [15][16] - Analysts have revised EPS estimates upward for both 2025 and 2026, reflecting increased confidence in DAVE's financial performance [16] Liquidity and Capital Returns - DAVE's current ratio in Q1 2025 was 8.59, significantly higher than the industry average of 1.84, indicating strong liquidity and the ability to meet short-term obligations [17] - The company's robust capital return and strong liquidity position are favorable indicators for investors [19] Competitive Position - DAVE's CashAI technology enhances credit quality and financial performance, positioning the company favorably against traditional fintech competitors [12][18] - The combination of strong financial metrics and innovative technology supports a recommendation to buy DAVE stocks for investors interested in the fintech sector [19][20]