分组1 - MoneyHero Limited reported a quarterly loss of $0.1 per share, which was worse than the Zacks Consensus Estimate of a loss of $0.02, marking an earnings surprise of -400.00% [1] - The company posted revenues of $21.12 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 1.46% and showing a year-over-year increase from $20.94 million [2] - The stock has increased approximately 42.9% since the beginning of the year, outperforming the S&P 500's gain of 16.6% [3] 分组2 - The earnings outlook for MoneyHero Limited is uncertain, with current consensus EPS estimates of -$0.01 on revenues of $21.82 million for the coming quarter and -$0.08 on revenues of $74.98 million for the current fiscal year [7] - The Zacks Industry Rank for Financial - Miscellaneous Services is in the top 26% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - The estimate revisions trend for MoneyHero Limited was unfavorable prior to the earnings release, resulting in a Zacks Rank 4 (Sell) for the stock, suggesting expected underperformance in the near future [6]

Market Overview - The CNN Money Fear and Greed index showed some easing in the overall fear level, remaining in the "Fear" zone with a current reading of 38.9, up from 36.7 [1][6] - U.S. stocks settled mixed, with the Nasdaq Composite gaining around 50 points ahead of a widely expected Federal Reserve rate cut, which has a nearly 90% probability of being a 25-basis-point reduction [1] Company Performance - Dollar General Corp. led S&P 500 gainers, soaring 14% after posting stronger-than-expected earnings and upbeat guidance, reaching its highest level since August 2024 [2] - Salesforce Inc. added around 4% following positive results [2] - Kroger Co. stock fell around 5% after posting mixed quarterly results with softer-than-expected revenue [2] Economic Data - U.S. initial jobless claims declined by 27,000 to 191,000 during the last week of November [3] - U.S.-based employers announced job cuts of 71,321 in November, up from 57,727 in the year-ago period [3] - New orders for U.S.-manufactured goods increased by 0.2% month-over-month in September, compared to a revised 1.3% rise in August [3] Sector Performance - Most sectors on the S&P 500 closed negatively, with consumer staples, health care, and consumer discretionary stocks recording the biggest losses [4] - Industrials and information technology stocks bucked the overall market trend, closing higher [4] - The Dow Jones closed lower by around 32 points to 47,850.94, while the S&P 500 gained 0.11% to 6,857.12, and the Nasdaq Composite climbed 0.22% to 23,505.14 during Thursday's session [4] Upcoming Earnings - Investors are awaiting earnings results from Victoria's Secret & Co. and MoneyHero Ltd. today [5]

Earnings Reports - Victoria's Secret & Co. (NYSE:VSCO) is expected to report a quarterly loss of 59 cents per share on revenue of $1.41 billion [2] - Hewlett Packard Enterprise Co. (NYSE:HPE) reported a 14% year-over-year revenue increase to $9.68 billion, below estimates of $9.94 billion, with adjusted earnings of 62 cents per share, exceeding estimates of 58 cents per share [2] - MoneyHero Ltd. (NASDAQ:MNY) is anticipated to post a quarterly loss of 2 cents per share on revenue of $20.82 million [2] - Cooper Companies Inc. (NASDAQ:COO) reported better-than-expected fourth-quarter results and provided FY26 guidance above estimates [2] - Zumiez Inc. (NASDAQ:ZUMZ) reported quarterly earnings of 55 cents per share, surpassing the analyst consensus estimate of 24 cents per share, with quarterly sales of $239.132 million, exceeding the consensus estimate of $233.544 million [2] Stock Performance - Victoria's Secret shares rose 2.2% to $42.50 in after-hours trading [2] - Hewlett Packard Enterprise shares dipped 9.3% to $20.77 in after-hours trading [2] - MoneyHero shares increased by 1.3% to $1.62 in after-hours trading [2] - Cooper Companies shares jumped 13% to $87.01 in after-hours trading [2] - Zumiez shares climbed 14.1% to $31.10 in after-hours trading [2]

Core Insights - Bank of Montreal (BMO) reported quarterly earnings of $2.36 per share, exceeding the Zacks Consensus Estimate of $2.16 per share, and showing a significant increase from $1.39 per share a year ago, resulting in an earnings surprise of +9.26% [1] - The bank's revenues for the quarter ended October 2025 were $6.73 billion, surpassing the Zacks Consensus Estimate by 5.24% and up from $6.56 billion year-over-year [2] - BMO's stock has increased approximately 30.6% since the beginning of the year, outperforming the S&P 500's gain of 16.5% [3] Earnings Outlook - The future performance of BMO's stock will largely depend on management's commentary during the earnings call and the company's earnings outlook [4] - The current consensus EPS estimate for the upcoming quarter is $2.36 on revenues of $6.63 billion, and for the current fiscal year, it is $9.50 on revenues of $26.53 billion [7] Estimate Revisions - Prior to the earnings release, the estimate revisions trend for BMO was unfavorable, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which investors can track [5] Industry Context - The Zacks Industry Rank places the Banks - Foreign sector in the top 30% of over 250 Zacks industries, suggesting that companies in this category are likely to outperform those in the bottom 50% [8]

Core Insights - The Pulse of Crypto — Singapore 2025 survey indicates a growing maturity in Singapore's cryptocurrency market, with increased ownership and cautious allocations among retail investors [2][4][10] Survey Findings - The survey involved 3,513 active retail investors and crypto-curious individuals in Singapore, conducted from August 15 to 19, 2025 [2] - 61% of respondents reported holding cryptocurrency, suggesting that crypto is becoming a mainstream component of retail finance in Singapore [7][8] - The average portfolio allocation to crypto was reported to be between 6% and 12%, indicating a moderate risk appetite [8] - A significant 58% of respondents identified as "long-term holders," while only 22% considered themselves "active traders," reflecting a preference for longer holding periods [8] Trust and Education - Trust emerged as the primary factor in selecting cryptocurrency exchanges, with 65% of respondents prioritizing it over fees, which were considered by 42% [8] - Most respondents (62%) learned about cryptocurrency through social media, highlighting both accessibility and the risk of misinformation [8][9] Recommendations for Growth - The report outlines three key priorities for the development of Singapore's financial and crypto ecosystem: 1. Education: Initiatives to close knowledge gaps and reduce reliance on social media for information [9] 2. Trust: Emphasizing security, transparency, and regulatory compliance to enhance consumer confidence [9] 3. Growth: Focusing on inclusive access and responsible long-term allocation aligned with individual risk tolerance [9] Company Collaboration - MoneyHero Limited collaborated with Coinbase to produce the survey, aiming to provide data-driven insights into consumer sentiment regarding digital assets [6][10] - The partnership reflects a commitment to financial literacy and transparency in the evolving cryptocurrency landscape [6][10]

Core Viewpoint - Oaktree Specialty Lending (OCSL) reported quarterly earnings of $0.4 per share, exceeding the Zacks Consensus Estimate of $0.38 per share, but down from $0.55 per share a year ago, indicating a mixed performance in earnings despite a positive surprise this quarter [1][2]. Financial Performance - The company posted revenues of $77.32 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.22%, but down from $94.68 million year-over-year [2]. - Over the last four quarters, OCSL has only surpassed consensus EPS estimates once and has topped consensus revenue estimates just once as well [2]. Stock Performance - Oaktree Specialty Lending shares have declined approximately 12.8% since the beginning of the year, contrasting with the S&P 500's gain of 13.4% [3]. - The stock's immediate price movement will largely depend on management's commentary during the earnings call and future earnings expectations [3][4]. Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.38 on revenues of $78.42 million, and for the current fiscal year, it is $1.55 on revenues of $312.74 million [7]. - The estimate revisions trend for OCSL was favorable ahead of the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, suggesting expected outperformance in the near future [6]. Industry Context - The Financial - Miscellaneous Services industry, to which OCSL belongs, is currently ranked in the top 33% of over 250 Zacks industries, indicating a favorable outlook for stocks within this sector [8].

Core Insights - LM Funding America, Inc. reported a quarterly loss of $0.49 per share, consistent with the Zacks Consensus Estimate, compared to a loss of $1.54 per share a year ago [1] - The company posted revenues of $2.18 million for the quarter ended September 2025, missing the Zacks Consensus Estimate by 5.3%, but showing an increase from $1.25 million year-over-year [2] - The stock has underperformed, losing approximately 49.3% since the beginning of the year, while the S&P 500 gained 14.6% [3] Financial Performance - The company has surpassed consensus EPS estimates two times over the last four quarters [1] - Revenue estimates for the upcoming quarter are projected at $2 million, with a consensus EPS estimate of -$0.60, and for the current fiscal year, the estimate is -$1.84 on revenues of $8.4 million [7] Market Outlook - The current Zacks Rank for LM Funding America is 3 (Hold), indicating expected performance in line with the market in the near future [6] - The outlook for the Financial - Miscellaneous Services industry is positive, ranking in the top 31% of over 250 Zacks industries, suggesting that stocks in the top 50% outperform those in the bottom 50% by more than 2 to 1 [8]

Core Insights - Credicorp (BAP) reported quarterly earnings of $6.17 per share, exceeding the Zacks Consensus Estimate of $6.05 per share, and up from $5.08 per share a year ago, representing an earnings surprise of +1.98% [1] - The company posted revenues of $1.65 billion for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.02%, and an increase from $1.39 billion year-over-year [2] - Credicorp shares have appreciated approximately 43.2% year-to-date, significantly outperforming the S&P 500's gain of 16.5% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $5.98 on revenues of $1.71 billion, and for the current fiscal year, it is $23.85 on revenues of $6.47 billion [7] - The estimate revisions trend for Credicorp was favorable ahead of the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - Foreign industry, to which Credicorp belongs, is currently ranked in the top 31% of over 250 Zacks industries, suggesting a positive outlook for stocks within this sector [8]

Core Viewpoint - The article highlights MoneyHero's strategic focus on high-margin insurance and wealth management sectors, resulting in a significant improvement in gross margin by 16 percentage points in Q2 [1][10]. Financial Performance - Adjusted EBITDA showed a notable improvement quarter-over-quarter, driven by a focus on high-margin products and enhanced operational efficiency [3]. - The company achieved a turnaround in net profit, moving from a loss of $12.2 million in the previous year to a net profit of $216,000 in Q2 [10]. - Despite a year-over-year revenue decline of 13%, the company experienced a quarter-over-quarter revenue increase of approximately 26% [8][10]. Business Strategy - Under the leadership of the new CEO, MoneyHero has undergone significant financial restructuring, leading to improved investor confidence and a rising stock price [3]. - The integration of artificial intelligence (AI) into business processes has automated 70%-80% of consultation processes, reducing customer acquisition costs and improving service efficiency [5]. - The company is expanding into virtual asset trading and personal credit scoring, with plans to launch new products in Hong Kong by the end of the year [6][7]. Market Dynamics - Hong Kong has emerged as the fastest-growing market for MoneyHero, contributing significantly to revenue, with its share rising to 43% compared to 35% in the previous year [10]. - The insurance business revenue increased by 18% year-over-year, while wealth management revenue remained stable, contributing to a combined revenue share of 27% [9][10]. Cost Management - The company's focus on high-margin products led to a 34% year-over-year reduction in revenue costs, significantly outpacing the revenue decline [10]. - Operating costs were reduced by 37% year-over-year, contributing to the substantial narrowing of adjusted EBITDA losses [10].

Company Overview - Dave's Hot Chicken started as a $900 pop-up in 2017 and has expanded to over 345 stores worldwide, up from seven locations in early 2020 [1] - The company entered the billion-dollar club after being acquired by Roark Capital for $1 billion in the summer of 2023 [2] Leadership and Management - The company was founded by childhood friends and is currently led by CEO Bill Phelps, who has a background in the restaurant industry [3] - CFO James McGehee joined in 2019 and has extensive experience in accounting and finance [3][4] - The management team emphasizes a strong work ethic and cultural fit among employees, contributing to the company's success [4] Growth and Financial Performance - Dave's U.S. sales increased by 57% in 2024, surpassing $600 million, driven by a compound annual growth rate (CAGR) of around 40% over five years [6] - The company expects to reach 400 stores by the end of the year [2] Market Trends and Consumer Engagement - Gen Z is a significant driver of fast-food trends, particularly for crispy chicken and bold flavors, which aligns with Dave's offerings [7] - The brand has a strong social media presence with 2 million Instagram followers and over 4 million TikTok followers, aided by celebrity endorsements [7] M&A Process and Financial Structuring - The acquisition process involved thirteen groups submitting offers, with a hybrid asset and stock sale structure that saved shareholders $32 million in taxes [8][9] - The management team ensured that the financial benefits of the sale were shared broadly among employees, enhancing their quality of life [10]