Let’s face it — life can throw some serious curveballs, and sometimes keeping your head above water financially feels like a full-time job. Rising prices are pushing Americans into what Zety calls “survival debt.” According to its Survival Debt Report, nearly half of workers (48%) have borrowed money in the last year to cover groceries or utilities, while 71% carry credit card balances and 21% can make only minimum payments. Plus, 22% have delayed saving for retirement in order to stay financially afloat. ...

Core Insights - Mercer, a business of Marsh McLennan, released its inaugural annual survey titled "Voice of the Plan Sponsor: 2025 Defined Contribution (DC) Practices" [1] - The survey indicates that DC plan sponsors are increasingly focusing on financial wellness and cost efficiency [1] Summary by Categories Financial Wellness - There is a growing emphasis among DC plan sponsors on enhancing financial wellness for participants [1] Cost Efficiency - DC plan sponsors are prioritizing cost efficiency in their plans, reflecting a trend towards more sustainable financial practices [1]

Financial Data and Key Metrics Changes - The company generated just over $1.2 billion in revenue, up 25% year-over-year [8][20] - Non-GAAP operating margin was maintained above 50%, with non-GAAP EPS at $0.62, reflecting a 15% increase year-over-year [9][26] - Q2 bookings and revenue were over $1.2 billion, up 27% and 25% year-over-year, respectively [20] Business Line Data and Key Metrics Changes - The consumer fintech business, MoneyLion, grew by 50% [8] - The cybersafety segment saw bookings grow by 5% year-over-year, with a robust operating margin of 61% [9][21] - The trust-based solution segment's revenue increased over 25% on a pro forma basis, with an operating margin of 30% [11][22] Market Data and Key Metrics Changes - The company serves over 77 million customers, with a sequential increase of approximately 1 million [24] - The employee benefits channel continues to grow in double digits, reflecting strong demand for bundled solutions [21] Company Strategy and Development Direction - The company aims to be a leader in consumer cybersafety and fintech, focusing on secure financial wellness [8][14] - There is a strategic emphasis on integrating AI across products and enhancing customer engagement through personalized offerings [15][16] - The company is raising its annual guidance to $4.92 to $4.97 billion, reflecting strong momentum and a commitment to innovation [17][29] Management's Comments on Operating Environment and Future Outlook - Management noted the increasing complexity of the threat landscape and the importance of consumer trust in financial wellness [6][7] - The company has not observed significant changes in consumer behavior despite economic fluctuations, indicating resilience in its subscription and security revenue streams [39][40] Other Important Information - The company is focused on disciplined growth investments in AI, data, and platform architecture to enhance customer value [9][15] - The integration of MoneyLion is progressing smoothly, unlocking revenue synergies and enhancing the customer experience [12][41] Q&A Session Summary Question: What is the view on the macro environment and consumer health? - Management indicated that there is no significant correlation between economic downturns and subscription revenue, and consumer demand for financial wellness remains strong [37][39] Question: Can you discuss the trajectory of partner revenue? - Management expects partner revenue to continue growing faster than direct revenue, driven by embedded services and marketplace expansion [49][50] Question: What are the keys to momentum in upselling Norton 360 memberships? - The introduction of new features like Norton Genie and Norton Money is enhancing customer engagement and driving upsell opportunities [58][60] Question: How does the company view the profitability of the MoneyLion business? - Management highlighted that MoneyLion's operating margin is currently around 20%, with a focus on balancing subscription and transaction-based revenue [72][73] Question: What drove the sequential growth in cybersafety customers? - Management attributed the growth to increased engagement, improved retention, and effective customer acquisition strategies [61][62]

Q2 FY26 Earnings November 6, 2025 Forward-Looking Statements This presentation contains statements which may be considered forward-looking within the meaning of the U.S. federal securities laws. In some cases, you can identify these forward-looking statements by the use of terms such as "expect," "will," "continue," or similar expressions, and variations or negatives of these words, but the absence of these words does not mean that a statement is not forward-looking. All statements other than statements of ...

Accessibility StatementSkip Navigation Q2 Non-GAAP Results "Gen's record Q2 performance demonstrates the strength of our playbook and scalability of our business," said Natalie Derse, CFO of Gen. "Eight straight quarters of EPS growth at or above our 12 - 15% target underscores our consistent execution and financial discipline. As we accelerate innovation and deepen our leadership in secure financial wellness, we're amplifying our growth potential and driving lasting shareholder value." Non-GAAP Q3 Fiscal Y ...

Being aware of your credit score is an essential part of modern financial wellness, and it also helps to know how you compare to others in the U.S. and in your state. https://t.co/WmgHJVoJNe ...

Core Thesis - Sezzle Inc. is positioned as a strong player in the buy-now, pay-later (BNPL) sector, with a share price of $86.33 as of October 6th, and trailing and forward P/E ratios of 28.35 and 15.60 respectively [1][2] Company Overview - Sezzle operates as a North American BNPL platform, focusing on empowering smarter spending through access, transparency, and trust [2] - Revenue is primarily generated from merchant fees on transactions, supplemented by consumer fees for reschedules or missed payments, affiliate revenue, and merchant analytics [2] Growth Drivers - The company's growth is driven by network effects, where each transaction enhances both merchant and shopper engagement, leading to low defaults and steady cash flow [3] - Short repayment cycles and repeat usage foster habitual engagement, making Sezzle a preferred payment solution [3] Differentiation and Ethical Positioning - Sezzle differentiates itself with transparent, zero-interest payments and tools like Sezzle Up, which help users build credit responsibly [4] - The company emphasizes a mission-driven approach, focusing on empowering consumers rather than creating indebtedness, and is recognized as a certified B Corp [4] Market Impact - Sezzle enhances financial access for younger and underserved consumers while boosting merchant sales through trust and flexibility [5] - The platform merges fintech innovation with financial wellness, redefining payment methods and strengthening consumer-merchant relationships [5] Future Outlook - The combination of network effects, ethical positioning, and scalable infrastructure positions Sezzle for continued expansion, presenting a compelling risk/reward profile for investors in the evolving BNPL sector [6] - Previous analyses highlighted Sezzle's evolution into a profitable fintech with strong insider alignment, despite a recent stock price depreciation of approximately 4.18% [7]

Core Insights - FinWise Bancorp has entered a strategic program agreement with DreamFi, a fintech company focused on serving underserved communities through financial wellness initiatives [1][2] - The partnership aims to provide essential financial products and services, including a DreamFi Debit Card, checking accounts, and access to over 40,000 surcharge-free ATMs in the U.S. [2] - Both companies emphasize their commitment to improving financial access and literacy, aligning their missions to empower individuals and families [3][4] Company Overview - FinWise Bancorp provides banking and payments solutions to fintech brands, with a focus on scalable API-driven infrastructure for deposit, lending, and payments programs [5] - The company is expanding its business model to include Payments (MoneyRails™) and BIN Sponsorship offerings, enhancing its ability to support fintechs in regulatory compliance [5] DreamFi Overview - DreamFi, co-founded by civil rights attorney Ben Crump, aims to transform financial access and empower users to build financial stability and generational wealth [4] - The company plans to leverage mobile banking and financial literacy tools to help users take control of their financial futures [4]

Core Insights - The report "The Cost of Fandom" by Ally Bank reveals that sports fans are driven by passion rather than financial planning, with 57% admitting to overspending and 85% having no dedicated savings for fandom [1][2] - Millennials lead in spending on fan-related activities, averaging $2,050 annually, while Gen Z spends about $1,550 [1][2] - There is a notable increase in spending on women's sports, with 67% of fans indicating their spending has either increased (22%) or remained the same (45%) [14] Spending Behavior - On average, sports fans spend $1,600 per year, with "fanatical" fans spending nearly $2,200 [7] - The primary areas of overspending include tickets (60%), food & drink (54%), apparel (47%), and travel (36%) [7] - Millennials are less likely to have a firm budget for sports spending, with 43% lacking one, while Gen Z is slightly more responsible at 37% [7] Gender Differences in Fandom - Spending patterns differ between men and women, with women favoring social fandom activities and men leaning towards high-spend, experiential fandom [2][7] - Women are more likely to gather at friends' houses (52% vs. 46%) and host watch parties (31% vs. 26%), while men are more inclined to travel for games (31% vs. 25%) [7] Community and Values - Approximately 33% of millennials and 31% of Gen Z feel connected through their sports spending, highlighting the community aspect of fandom [2] - Gen Z fans show a strong commitment to women's sports, with 31% emphasizing the importance of being a women's sports fan and 40% viewing it as a form of supporting equality and empowerment [3][14] Financial Wellness Initiatives - Ally Bank promotes a values-based spending plan to help fans align their finances with their passions, enhancing both financial health and community connection [4][10] - The introduction of the Money Roots program aims to improve financial habits and decision-making among fans [10]

Core Insights - Flex and AppFolio have formed a partnership aimed at enhancing the rental payment experience for residents across the U.S. [1] - The collaboration allows AppFolio customers to access Flex's flexible rent payment options, enabling residents to split their rent into smaller payments while ensuring property managers receive full payments on time [2][3] Company Overview - Flex is a leading financial wellness company that facilitates over $16 billion in on-time rent payments annually for property management companies in the U.S. [4] - The company aims to improve renters' financial wellness by providing flexible payment options that integrate seamlessly with property management systems [5] Market Demand - According to the AppFolio 2025 Renter Preferences Report, 69% of renters consider flexible rent payment options important when choosing their next home [3] - Today's renters are seeking financial empowerment and greater control over their monthly budgets, which the partnership addresses [4]