>> ALL RIGHT. JP MORGAN RESEARCH NUMBER ONE BY EXTEL. CONGRATULATIONS ON THAT.>> THANK YOU SCOTT. >> IT'S GOOD TO HAVE YOUR VIEWS AND GET YOUR OUTLOOK DUBRAVKA. WE'LL SEE YOU SOON.ALL RIGHT NOW TO OUR PANEL. LET'S BRING IN SOPHIE ZILLIZ THOMAS NEW YORK LIFE INVESTMENTS LAUREN GOODWIN MORGAN STANLEY WEALTH MANAGEMENT ELLEN ZENTNER IT'S GREAT TO HAVE EVERYBODY HERE ON THE DESK WITH US. ALL RIGHT, LIZ, YOU FIRST.WHAT DO YOU THINK ABOUT WHAT MR. LAKOS HAD TO SAY. BASE CASE 7500, BULL CASE 8000.>> SO WHEN I LOOK ...

Core Insights - MANTL has formed a strategic partnership with Method Financial to integrate real-time liability data into its Loan Origination platform, enhancing the refinancing and debt consolidation experience for financial institutions [1][3][4] Group 1: MANTL's Offerings - MANTL has expanded its deposit account opening platform to include loan origination, allowing financial institutions to manage both sides of the balance sheet and meet the demand for integrated digital lending solutions [2] - The MANTL Loan Origination platform modernizes lending processes with advanced tooling and automation across KYC, underwriting, and booking, addressing legacy refinancing challenges [2][5] Group 2: Integration Benefits - The integration of Method's real-time liability data will streamline the application workflow, improving efficiencies in origination, underwriting, and funding, while eliminating the need for manual payoff letters [3][4] - This partnership enables banks and credit unions to make instant, accurate decisions and fund loans more efficiently, enhancing the overall borrower experience [4][6] Group 3: Company Backgrounds - MANTL, founded in 2016 and acquired by Alkami Technology in March 2025, offers unified account origination technology that allows banks and credit unions to open accounts in real time [5] - Method Financial provides APIs for real-time financial connectivity, serving over 60 fintechs and lenders, and is backed by notable investors including Andreessen Horowitz and Emergence Capital [6]

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Core Insights - Emerson Electric has maintained a dividend payment for 68 consecutive years, with a current yield of 1.54% and recent earnings volatility prompting a deeper analysis of its dividend sustainability [1][9] Dividend Overview - The annual dividend is $2.11 per share, with a recent increase of 5.2% in November 2025, marking the company's status as a Dividend Aristocrat for over 25 years [2][9] - The dividend yield stands at 1.54%, reflecting a conservative approach to payout increases with a five-year compound annual growth rate (CAGR) of 1.1% [2][10] Payout Ratios and Cash Flow - The earnings payout ratio for fiscal year 2025 is 35.2%, indicating a healthy level of earnings retained for growth [3][4] - The free cash flow (FCF) payout ratio is 44.7%, with $1.19 billion paid in dividends against $2.67 billion in FCF, leaving $1.48 billion for other uses such as debt reduction and share buybacks [3][4] - Operating cash flow coverage is strong at 2.60 times the dividend, providing a substantial cushion even after accounting for capital expenditures [3][4] Historical Performance and Anomalies - Fiscal year 2023 saw a significant drop in operating cash flow to $637 million and FCF to $274 million, with the dividend exceeding FCF by more than four times due to a strategic spinoff [6][8] - The company managed to maintain its $1.2 billion dividend commitment during this transition year, demonstrating management's resolve [8][9] Future Outlook - Cash flow has normalized in fiscal years 2024 and 2025, with both years generating over $2.6 billion in FCF and healthy coverage ratios between 2.2x and 2.4x [8][9] - The overall assessment indicates that the dividend appears secure, supported by a free cash flow payout ratio of 44.7% and a resilient balance sheet [9]

Core Insights - Peter Schiff acknowledges that focusing on high-performing stocks, specifically the "Magnificent Seven," would have significantly increased his wealth over the past decade [1][2][4] - The "Magnificent Seven" includes major companies such as Apple, Microsoft, Amazon, Alphabet, Nvidia, Tesla, and Meta, all of which have outperformed the S&P 500 [2][4] - Schiff's investment philosophy, heavily centered on gold, has limited his wealth growth compared to the stock market's performance [3][4] Investment Performance - The total net worth of the wealthiest 1% in the U.S. reached $51.9 trillion in Q2 2025, indicating substantial wealth accumulation among top earners [3] - Schiff's net worth, reported to be over $80 million, places him within the top 1% bracket, but his growth has been constrained by his focus on gold investments [3] Market Dynamics - Schiff describes the wealth generated in the stock market as "artificial" and primarily based on perceived stock valuations, suggesting skepticism about the sustainability of such wealth [6]

Core Insights - The importance of saving and investing for retirement is emphasized, highlighting the need for a diverse portfolio to achieve steady growth over time [1][2] Investment Strategies - For those overwhelmed by tracking multiple stocks, focusing on ETFs (exchange-traded funds) is recommended as they provide diversification with a single investment [2] - The Vanguard S&P 500 ETF (VOO) tracks the performance of the S&P 500 index, which includes the 500 largest publicly traded companies by market cap, making it a solid choice for everyday investors [4][5] - The Invesco QQQ Trust (QQQ) tracks the Nasdaq-100 index, focusing on growth-oriented sectors like technology, and has historically delivered strong returns, albeit with higher risk due to concentration in growth stocks [6][7] Combination Benefits - Combining VOO and QQQ can provide a balanced investment strategy, offering stability from VOO and growth potential from QQQ, which may lead to stronger overall returns [8] - This combination simplifies portfolio management compared to investing in individual stocks, reducing the need for frequent rebalancing [9]

Group 1: Market Performance - Israel's stock market has outperformed the U.S. market since October 7, 2023, with significant gains in U.S.-traded companies such as Teva Pharmaceutical, Elbit Systems, and Tower Semiconductor [5] - Carvana (CVNA), Comfort Systems (FIX), and CRH (CRH) will be added to the S&P 500 index, with Carvana's stock rising nearly 10% after hours and CRH increasing over 6% [6] Group 2: Investment Trends - A top money manager emphasizes the need for investors to return to reality, highlighting a shift in focus towards AI-related stocks [8] - The bullish market trend continues, with notable attention on companies like Penumbra, Vertiv, and JPMorgan [9]

You certainly know how to get attention and you certainly got my attention when I saw this partnership that you have with so far. And I should point out you've had a partnership with them for some time, but I guess a little bit more formalized. Talk a little bit about exactly what type of content or advice, if you will, you think some of these folks need.You know, I think the basics are oftentimes overlooked. It's making sure that your savings are working incredibly hard for you in a high yield savings acco ...

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Core Viewpoint - SoFi's stock price experienced a significant decline of over 6% in after-hours trading due to concerns regarding increased dilution, falling to $27.7 from a closing price of $30, which is 15% below its highest point this year [1] Company Summary - SoFi's stock price dropped to $27.7, indicating a loss of investor confidence [1] - The decline in stock price reflects ongoing concerns about potential dilution affecting shareholder value [1] - The current stock price is notably 15% lower than its peak for the year, suggesting a challenging market environment for the company [1]