AMN Healthcare Services (AMN) came out with quarterly earnings of $0.22 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.75 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -1.12%. A quarter ago, it was expected that this health care staffing company would post earnings of $0.19 per share when it actually produced earnings of $0.39, delivering a surprise of +105.26%.Over the last four quart ...

Core Insights - The article discusses various side hustles that can be pursued from home, highlighting the growing trend of remote work and the potential for earning additional income through flexible arrangements [2]. Group 1: Work-from-Home Opportunities - A Robert Half survey indicates that 88% of U.S. employers now offer hybrid or fully remote work options, making it easier for individuals to start side hustles from home [2]. - Transcriptionists can earn between $9.38 and $30.05 per hour, with a national average of $20 per hour, while medical transcriptionists have a median pay of $18.05 per hour in 2024 [3][11]. - Online tutors can charge rates starting from $10 per hour, with potential earnings of $50 to $90 per hour for in-demand subjects [5]. - Social media management is a growing field, requiring a bachelor's degree and marketing knowledge, with median pay for professional managers in this field at $76.76 per hour in 2024 [6][9]. - Freelance writers earn an average of $23 per hour, with higher rates for those with expertise in niche topics [11]. - Dropshipping can be initiated with as little as $100, with potential earnings of $1,000 to $2,000 per month for full-time beginners [12][13]. - Consulting can yield average hourly pay around $30, with potential earnings exceeding $150 per hour for specialized expertise [18].

Market Overview - The Australian sharemarket closed flat on February 10, 2026, with the S&P/ASX 200 ending 2.7 points lower at 8,867.40 after a 1.9% rally the previous day [1][9] - The index is currently 2.72% below its 52-week high and has shown virtually no change over the last five days [2][9] Sector Performance - Financials sector declined by 1.1%, primarily due to significant losses in insurance companies [2][9] - 8 out of 11 sectors ended higher, with Information Technology being the best-performing sector, gaining 2.14% [5][9] - Miners advanced by 1% on the back of higher iron ore prices, with BHP Group rising 1.1% and Rio Tinto gaining 1.4% [5][9] Top Gainers - Silex Systems Limited (SLX) led the day's gains, closing at $7.240, up $0.560 or 8.383% [3][9] - Other notable gainers included DroneShield Limited (DRO) up 7.301%, Deep Yellow Limited (DYL) up 7.142%, Zip Co Limited (ZIP) up 6.072%, and Superloop Limited (SLC) up 5.579% [3][9] Bottom Performers - Steadfast Group Limited (SDF) and Insurance Australia Group Limited (IAG) were the bottom performers, down 9.46% and 6.19% respectively [2][9] - AUB Group Limited (AUB) fell by 6.115%, while CSL Limited (CSL) and Suncorp Group Limited (SUN) also experienced declines of 4.979% and 4.237% respectively [2][9] Individual Stock Highlights - Treasury Wine Estates shares rose by 8.1% after resolving a dispute with U.S. distributor Republic National Distributing Company [7][9] - Gold stocks increased by 1.3%, with Genesis Minerals up 2.8% and St Barbara rising 4.4% [6][9] - Energy stocks advanced by 0.6%, with uranium miners Deep Yellow and Paladin Energy up 7.1% and 5.5% respectively [7][9]

Core Insights - The rise of rent now, pay later services indicates the increasing unmanageability of housing costs for many Americans [4][9] - Affirm has launched a pilot program allowing renters to split their payments into two installments, partnering with Esusu for credit score reporting [2][5] - Monthly service fees and potential finance charges can make these services more expensive than traditional payment methods [6][9] Company-Specific Insights - Affirm's new service does not charge interest but involves monthly fees, accessible only through Esusu's Plus and Premium services [3][5] - Other companies like Zip and Livble offer similar services, with Zip advertising an annual interest rate of 31.11% and Livble charging monthly finance charges of $30 to $40 [6][7] - Flex provides a rent-splitting option that may require landlord participation, with a monthly fee of $14.99 and additional charges [7] Industry Trends - The growth of rent now, pay later services reflects broader economic challenges, as turning rent into installment debt can increase household debt and reduce overall consumer spending [4] - Many of these services are reported to be more costly than using credit cards for rent payments, highlighting the financial strain on renters [6][9]

Core Viewpoint - The S&P/ASX 200 index has shown minimal change over the past five days, currently sitting 4.24% below its 52-week high, indicating a stable market environment despite fluctuations in individual stocks [1]. Group 1: Top Gainers - Silex Systems Limited (SLX) led the gains, closing at $9.800, up $0.890 or 9.988% [2][5]. - NexGen Energy (Canada) Ltd (NXG) also performed well, ending at $15.510, an increase of $1.210 or 8.461% [2][5]. - Paladin Energy Ltd (PDN) saw a rise to $10.865, gaining $0.735 or 7.255% [2][5]. - Iluka Resources Limited (ILU) finished at $6.255, up $0.385 or 6.558% [2][5]. - Lynas Rare Earths Limited (LYC) rounded out the top five gainers, closing at $13.015, an increase of $0.795 or 6.505% [2][5]. Group 2: Top Losers - Temple & Webster Group Ltd (TPW) led the declines, closing at $12.900 after falling $0.850 or 6.182% [3][6]. - Magellan Financial Group Limited (MFG) ended at $9.330, down $0.580 or 5.853% [3][6]. - Zip Co Limited (ZIP) slipped to $3.170, shedding $0.180 or 5.374% [3][6]. - Aristocrat Leisure Limited (ALL) declined to $54.875, losing $2.345 or 4.099% [3][6]. - Superloop Limited (SLC) closed at $2.450, down $0.100 or 3.922% [3][6].

Summary of Key Points from J.P. Morgan's US Internet 2026 Outlook Industry Overview - The report focuses on the **US Internet** sector, providing insights into market performance, macroeconomic factors, and company-specific forecasts for 2026. Core Insights and Arguments 1. **2025 Performance Recap**: - The internet sector outperformed the S&P 500 by 17% in 2025, with average performance across market caps showing significant variation: - Large Cap: +19% - Mid-Cap: +42% - Small Cap: +21% - Smaller Cap (<$2B): -16% [12][13] 2. **2026 Macro Outlook**: - J.P. Morgan economists estimate a **35% risk of recession** in 2026, with expectations of resilient global growth driven by fiscal stimulus and capital expenditure [19][23]. - Key economic indicators include: - GDP Growth: 1.8% in 2026 - Inflation: Expected to remain above 3% CPI - Unemployment: Projected to peak at 4.5% in Q1 2026 [21][19]. 3. **Investment Recommendations**: - **Top Picks for 2026** include: - Alphabet (Overweight, $385 PT): Growth driven by AI and cloud services [46]. - Amazon (Overweight, $305 PT): Expected growth in AWS and retail segments [51]. - DoorDash (Overweight, $300 PT): Anticipated GOV growth of 18% CAGR from 2025-2028 [57]. - Spotify (Overweight, $805 PT): Projected revenue growth driven by premium subscriptions [66]. 4. **AI and Cloud Growth**: - AI is expected to significantly drive cloud growth, with Google Cloud projected to grow in the mid-40% range and AWS adding the highest estimated revenue in 2026 [101][102]. - The report highlights the importance of AI in enhancing operational efficiencies and driving revenue growth across various sectors [78]. 5. **Valuation Metrics**: - The S&P 500 is projected to have a price target of **$7,500** by the end of 2026, suggesting a 9% upside [26]. - Internet companies are trading at an average of **10.2x 2027E EV/EBITDA**, with expected revenue growth of approximately **13% CAGR** from 2025 to 2027 [40]. Additional Important Insights 1. **Market Dynamics**: - The report discusses the competitive landscape in the AI space, noting that leading model developers like Google and OpenAI are pushing the frontier, but competition remains intense [89][94]. - The potential for AI-driven advertising and e-commerce growth is highlighted, with expectations for significant market share shifts in the online ad market [112]. 2. **Company-Specific Catalysts**: - Alphabet's AI tools are expected to enhance productivity and revenue, while Amazon's AWS is set to double its capacity by 2027 [56][88]. - DoorDash is focusing on expanding its marketplace and improving unit economics, while Spotify is ramping up its free cash flow and operating margins [60][68]. 3. **Key Questions for 2026**: - The report raises critical questions regarding AI monetization, the impact of AI on cloud growth, and the potential for disruption in various sectors, including travel and e-commerce [76][124]. This summary encapsulates the essential insights and projections for the US Internet sector as outlined in the J.P. Morgan report, providing a comprehensive overview of the anticipated trends and investment opportunities for 2026.

Core Insights - Seven state Democratic attorneys general are investigating Buy Now, Pay Later (BNPL) services, requesting details on loan costs, structures, and consumer repayment abilities [1][2][3] Group 1: Regulatory Actions - Companies such as Klarna Group Plc, Affirm Holdings Inc., and Afterpay Ltd. received letters from state attorneys general, requiring them to provide detailed information about their loan products and customer interactions within 30 days [2] - The inquiry is a response to a reduction in federal regulation, as the Consumer Financial Protection Bureau previously revoked a rule that classified many BNPL services under the same regulations as credit cards [5][6] Group 2: Consumer Protection Concerns - Connecticut Attorney General William Tong expressed concerns that aggressive marketing of BNPL services may lead consumers into expensive debt traps, especially during the holiday season [3][4] - The state officials are seeking information on how companies assess delinquencies and borrowers' repayment capabilities, as well as their compliance with the federal Truth in Lending Act [7] Group 3: Market Growth Projections - The volume of BNPL transactions is projected to reach $687 billion by 2028, a significant increase from $334 billion in the previous year, indicating rapid growth in the sector [6]

Core Insights - The article discusses the growing popularity of Buy Now, Pay Later (BNPL) services, especially during the holiday shopping season, with 50% of consumers planning to use BNPL for their holiday purchases according to PayPal's survey [2] - While BNPL offers interest-free payment options, it also poses risks such as late fees and potential impacts on credit scores, with 41% of BNPL users reporting late payments [3][6] What is BNPL? - BNPL services provide short-term loans that allow consumers to split purchases into multiple payments, typically interest-free, with popular providers including Affirm, Afterpay, Klarna, and PayPal [4][5] - The "Pay in 4" model is common, where purchases are divided into four equal payments due every two weeks [4] How BNPL Works - BNPL loans are often approved instantly at checkout, allowing consumers to complete transactions quickly [7] - For example, a $2,000 purchase could be split into four payments of $500, with the first payment due immediately [8][9] Benefits of BNPL - BNPL can help manage budgets by breaking down larger expenses into smaller, more manageable payments [11] - It typically does not require a hard credit check, minimizing the impact on credit scores [11] Risks of BNPL - Consumers may overspend due to the perception of lower upfront costs, leading to inflated holiday budgets [11] - Late fees can be significant, with some services charging fees that are disproportionately high relative to the purchase price [11] - The incorporation of BNPL data into credit scores by FICO could negatively impact users who miss payments [11] Alternatives to BNPL - Alternatives include 0% APR credit cards, personal loans, personal lines of credit, and Payday Alternative Loans (PAL), which may offer better terms in certain situations [12] Responsible Management of BNPL - Recommendations for responsible use of BNPL include avoiding discretionary purchases, not taking out multiple loans simultaneously, checking overall budget compatibility, understanding terms and fees, and choosing services with no fees or interest [13]

Market Performance - On November 7, 2025, the Australian stock market experienced a decline, with all major indices ending in negative territory. The S&P/ASX 200 fell to 8,769.70 from 8,828.30, a decrease of 0.7% [1][6] - The S&P/ASX 20 also dropped to 4,863.80 from 4,900.00, marking a 0.7% decline [1][6] - Broader indices such as the S&P/ASX 50 and S&P/ASX 100 saw declines of 0.6%, closing at 8,451.90 and 7,308.00 respectively [6] Futures Market - The S&P/ASX 200 futures for December 2025 declined by 0.62%, trading at 8,788.5, down 54.5 points [2][6] Top Gainers - AUB Group Limited (AUB) led the gainers, increasing by $2.30 or 6.285% to close at $38.890 [4][6] - ASX Limited (ASX) rose by $2.17, representing a 3.773% increase to $59.680 [4][6] - News Corporation (NWS) gained $1.36 or 3.022%, finishing at $46.350 [4][6] - GPT Group (GPT) added $0.16, lifting its share price by 2.996% to $5.500 [4][6] - Lynas Rare Earths Limited (LYC) rounded out the top five performers, up $0.38 or 2.891% to $13.520 [4][6] Top Decliners - Block, Inc. (XYZ) recorded the steepest decline, tumbling $17.79 or 15.756% to $95.120 [5][6] - Zip Co Limited (ZIP) dropped $0.24, a 6.649% decline to $3.370 [5][6] - Qantas Airways Limited (QAN) lost $0.67, down 6.582% to $9.510 [5][6] - Domino's Pizza Enterprises Limited (DMP) slipped $1.17 or 5.839% to close at $18.870 [5][6] - Macquarie Group Limited (MQG) fell $12.48, a 5.745% decrease to $204.770 [5][6]

Core Insights - UL Solutions Inc. reported quarterly earnings of $0.56 per share, exceeding the Zacks Consensus Estimate of $0.47 per share, and up from $0.49 per share a year ago, representing an earnings surprise of +19.15% [1][2] - The company achieved revenues of $783 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.98% and increasing from $731 million year-over-year [2] - UL Solutions Inc. shares have appreciated approximately 57.6% year-to-date, significantly outperforming the S&P 500's gain of 16.5% [3] Earnings Outlook - The future performance of UL Solutions Inc. stock will largely depend on management's commentary during the earnings call and the company's earnings outlook [4][6] - The current consensus EPS estimate for the upcoming quarter is $0.43 on revenues of $779.09 million, and for the current fiscal year, it is $1.80 on revenues of $3.03 billion [7] Industry Context - The Business - Services industry, to which UL Solutions Inc. belongs, is currently ranked in the bottom 36% of over 250 Zacks industries, indicating potential challenges ahead [8] - The performance of UL Solutions Inc. may be influenced by the overall outlook for the industry, as research indicates that the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]