Opera wants you to pay $20 a month to use its AI-powered browser Neon https://t.co/3KP0vLNROE ...

Company Overview - Opera (OPRA) is an AI-powered technology company primarily recognized for its web browser solutions and related services [1] - The stock has experienced a decline of 27% year-to-date, despite the management delivering steady and stable performance [1] Performance Analysis - The company has shown consistent operational performance, which contrasts with the significant drop in stock price [1]

Opera, Celo Scale Up Partnership to 'Make Stablecoins Useful' For Millions of Users► https://t.co/ozQGOcTj0E https://t.co/ozQGOcTj0E ...

RT Celo.eth/acc 🦇 🌳 (@Celo)BREAKING NEWS: Today, the Celo Foundation & @Opera announce an extended partnership to accelerate @MiniPay growth with global expansion, real-time merchant payments & cards 🎉Let's explore what this means ↓ https://t.co/uiO7lcv9hR ...

Partnerships & Expansion - Celo and Opera are extending their partnership to scale stablecoin payments to 1 billion people by 2030 [1] - MiniPay has reached 11 million wallets and over 300 million transactions [1] - Global expansion of MiniPay is planned to commence in 2026 [1]

Core Insights - Opera (OPRA) is launching new AI capabilities across its web browsers, including Opera One, Opera GX, and Neon, in response to increasing competition in the tech industry to enhance user browsing experiences [1] Group 1 - The new AI features aim to make browsing more agentic, indicating a shift towards more interactive and personalized user experiences [1]

Core Insights - Opera is enhancing its browser capabilities by integrating advanced AI features, providing over 80 million users with free access to the latest Opera browser AI through its Opera One, Opera GX, and Opera Neon browsers [1][2][3] AI Integration and Features - The new Opera AI functions as a side panel, allowing users to interact with it in relation to any webpage, enabling tasks such as research, content summaries, and comparisons across tabs [2] - The AI engine has been redesigned for improved speed, delivering responses 20% faster, and includes features for voice input/output and file analysis across various formats [2] - Privacy features are emphasized, giving users control over the context shared with Opera AI [2] Partnership with Google - The partnership with Google is crucial for Opera, allowing the integration of the latest Gemini models into its browser AI, enhancing user experience with native search and AI features [3][4] - This collaboration is seen as a step towards setting new standards for AI-powered user experiences in browsing [4] Market Performance and User Engagement - Opera reported a 17% annual increase in query revenue, indicating successful monetization of user-initiated actions beyond traditional search, reflecting the growing use of AI tools [3] - The browser is positioned as a key interface for AI, leveraging real-time context from users' browsing activities to provide more relevant assistance [5] Future Outlook - The shift towards AI-powered search is expected to drive deeper user engagement, aligning with Opera's long-term strategy to enhance user experience through innovative products [6]

Core Insights - MiniPay, a stablecoin wallet developed by Opera, is enhancing payment capabilities in Latin America by connecting USD (Tether) to local payment methods, starting with popular platforms like Mercado Pago and PIX [1][2][5] - The "Pay like a local" feature, powered by Noah, allows users to make direct payments using their stablecoin balance, facilitating seamless transactions in local currencies [4][6] - MiniPay has achieved over 10 million activated wallets since its launch in 2023, making it one of the fastest-growing stablecoin wallets globally [1][10] Company Overview - MiniPay is a non-custodial stablecoin wallet built on the Celo blockchain, designed to make digital finance accessible and user-friendly, particularly in emerging markets [9][10] - The wallet is available as a standalone app for Android and iOS, or integrated into the Opera Mini browser, allowing users to send, receive, and save stablecoins with minimal fees [10] Market Position - In Brazil, PIX is used by over 76% of the population and processes 80% more transactions than credit and debit cards combined, while Mercado Pago in Argentina has over 72 million active users and a 68% market share [5] - By integrating with these leading payment systems, MiniPay provides a bridge for travelers and digital dollar holders to transact locally, addressing challenges faced by foreign cards [5][6] Strategic Partnerships - MiniPay is expanding its on- and off-ramp coverage in Latin America by onboarding partners like El Dorado and Alfred, enhancing the ability to convert local currency to USD and facilitating cross-border transfers [3][7] - The integration with local payment systems and ramp partners strengthens the platform's resilience and offers users consistent options for moving value between currencies [7] Event Context - The rollout of these new payment methods coincides with DevConnect, a major Ethereum ecosystem conference, allowing crypto users to experience seamless local payments in Argentina [8]

Summary of Opera's Conference Call Company Overview - **Company**: Opera - **Industry**: Internet Browsers - **Headquarters**: Norway - **User Base**: Approximately 300 million monthly users - **Public Since**: 2018 - **CAGR Growth**: Over 20% since going public - **Profitability**: The company is profitable and pays a dividend with a recurring yield exceeding 5% [3][30][29] Core Business and Monetization - **Primary Product**: Opera browser, with a focus on driving traffic to partners such as search engines and advertisers [3][4] - **New Product**: Neon browser, which offers advanced agentic capabilities for a monthly subscription, targeting enthusiasts who want more control and automation in their browsing experience [11][12] Competitive Landscape - **Emerging Competitors**: AI-native companies like Perplexity and OpenAI are entering the browser space, which Opera views as an opportunity rather than a threat [4][5] - **Differentiation Strategy**: Opera aims to remain agnostic and independent, allowing users to utilize multiple AI platforms without being locked into one [6][30] Technological Advancements - **AI Integration**: Opera uses a combination of models, including Gemini and ChatGPT, to enhance user experience and browser capabilities [7][10] - **Agentic Capabilities**: The browser is designed to assist users in tasks such as research and e-commerce, with the goal of improving efficiency and user satisfaction [13][24] Revenue Streams - **Query Revenue**: Approximately one-third of revenue comes from query revenue, which has seen a tripling in growth over the past year [16][18] - **Advertising Revenue**: Roughly two-thirds of revenue, with e-commerce advertising growing rapidly, expected to represent half of advertising revenue by Q4 [19][21] - **Performance-Based Advertising**: Opera focuses on performance-based advertising, which is seen as more beneficial for partners compared to traditional display advertising [20][21] E-commerce Strategy - **Key Partners**: Major e-commerce partners include Amazon, Booking, Temu, and Shein, with a focus on driving traffic to these platforms [22][21] - **User Engagement**: The browser aims to present users with options while allowing agents to facilitate transactions, ensuring that advertising opportunities remain intact [23][25] Financial Discipline and Future Outlook - **Profitability**: Opera maintains a strong EBITDA margin of 24% and has returned approximately $500 million to shareholders since 2020 through buybacks and dividends [33][47] - **Opay Stake**: Opera holds a 9.4% stake in Opay, a successful mobile wallet in Nigeria, which is expected to go public, potentially generating significant gains for Opera [40][42] New Initiatives - **MiniPay**: A non-custodial wallet focused on stablecoins, aimed at emerging markets, which has quickly grown to 10 million wallets [34][35] - **Market Positioning**: Opera positions MiniPay as a trusted solution in regions where it has established a long-standing presence [36][38] Misunderstandings in the Market - **Market Perception**: Opera is not a direct competitor to large language models (LLMs) but rather aims to integrate and enhance user experiences through its browser [28][30] - **Partnerships**: The company emphasizes the importance of long-term partnerships, particularly with Google, which have been beneficial for its business model [31][32] This summary encapsulates the key points discussed during the conference call, highlighting Opera's strategic positioning, technological advancements, revenue generation, and future outlook in the competitive landscape of internet browsers.

Core Insights - Opera has experienced significant growth in daily active iOS users in Europe, nearly tripling over the past two years, with France seeing a fivefold increase in the same period, highlighting the impact of the Digital Markets Act (DMA) on browser competition in the EU [1][2][5] User Growth - The growth rate of daily active users in Europe accelerated from 57% in the first 12 months to 88% in the last 12 months ending October 2025, making iOS Opera's fastest-growing platform [2][6] - Opera's unique features and design have resonated well with users, contributing to the increase in daily active users [3][4] Product Innovations - Opera has introduced several unique features, such as a free VPN and integrated browser AI, which have enhanced its appeal in the iOS ecosystem [4][8] - The launch of Opera One for iOS marked a complete redesign aimed at improving the browsing experience on iPhones, addressing user frustrations with tab management [4][8] Market Opportunities - The implementation of the DMA has provided a browser choice ballot screen for nearly 400 million smartphone users in the EU, with a survey indicating that 80% of Europeans are open to trying new browsers [5][10] - The combination of unique products and increased awareness efforts has fueled Opera's growth on iOS [5] Financial Performance - Opera reported $152 million in revenue for the most recent quarter, reflecting a 23% year-over-year increase, with a 17% growth in browser-based query revenue [6] - The company has maintained a 24% adjusted EBITDA margin, marking its 18th consecutive quarter as a Rule-of-40 company, indicating strong business fundamentals [6]