Core Insights - CVS Health and UnitedHealth have contrasting first-quarter results, with CVS showing strong growth and raising its full-year EPS guidance, while UnitedHealth missed earnings and revenue expectations, leading to a significant cut in its 2025 EPS outlook [1][19] Group 1: CVS Health Performance - CVS Health's Health Care Benefits segment reported an 8% year-over-year revenue growth in Q1, with medical membership stable at approximately 27.1 million [4] - The adjusted operating income for CVS Health surged to $1.99 billion from $732 million a year ago, driven by the strength in commercial insurance [4][8] - CVS's medical benefit ratio (MBR) improved to 87.3% from 90.4% year-over-year, aided by reserve releases and better Medicare Advantage star ratings [6] Group 2: UnitedHealth Challenges - UnitedHealth's medical care ratio (MCR) increased to 84.8%, up from 84.3% in 2024, due to elevated Medicare Advantage utilization, prompting a cut in 2025 adjusted earnings guidance to $26.00-$26.50 per share [10] - The company is facing significant cost pressures, particularly in outpatient and professional services, which are expected to continue affecting earnings throughout 2025 [10][19] - UnitedHealth's Optum segment saw a 14% year-over-year revenue increase, driven by rising script volumes and specialty pharmacy strength [9] Group 3: Valuation Comparison - CVS is trading at a forward P/E of 8.88X, below its 5-year median of 9.55X, while UnitedHealth is at 11.98X, also below its 5-year median of 19.20X, indicating that CVS is more attractively valued relative to UnitedHealth [16][17] - The Zacks Consensus Estimate for CVS's Q2 2025 EPS suggests a 19.7% decline year-over-year, while UnitedHealth's estimate implies a 28.8% decline [11][14] Group 4: Strategic Initiatives - CVS is conducting a strategic review of Oak Street Health, which it acquired for $10.6 billion, focusing on capital allocation towards higher-return investments [5] - Despite pressures in Medicare Advantage, CVS is positioned as a stronger investment option ahead of Q2 earnings due to its stable commercial insurance performance and disciplined capital management [19]

streaming on CNBC plus. >> All right. Some news in college sports.This one out of the white House around paying players in both revenue and non-revenue sports. The issue is complicated. So let's try to make sense of it and bring in Brandon Copeland.He played in the NFL for ten years. He's the founder of Copeland Media. He's a member of our Financial Wellness Advisory Board, also graduated from the Wharton School University of Business.So nose business money in sports. And Brandon, as our viewers probably kn ...

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Well, just arithmetically, uh, Tom, if, um, real estate flattens out, uh, and actually I think the risk is that, uh, real estate prices are going to be going down as opposed to up. When you look at the latest unsold inventory numbers, uh, in the new and existing market, uh, you know, when you look at the CPI, you know, a third of the index is related to residential real estate, 40% of the core is related to residential real estate. So, it is actually very important and I think it's going to act as a very po ...

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Ameriprise Financial (AMP 1.08%), a leading wealth management and asset management firm, released its second quarter 2025 results on July 24, 2025. The company reported adjusted operating earnings per share (Non-GAAP) of $9.11 for Q2 2025, exceeding analyst expectations of $9.00 (non-GAAP). However, revenue (non-GAAP) came in at $4.30 billion for Q2 2025, just below the consensus non-GAAP estimate. The company’s overall performance signaled continued strength in profitability and capital management, despite ...

Welcome to NBC News Daily. Today we start with breaking news out of Boston's Fenway Park. Right now, about a thousand concession workers there and at the nearby MGM Hall are walking off the job after no new contract was reached with their union. What do we want? Contract. When do we want it? Now. What if we don't get it? The workers are urging fans to avoid buying any concessions at the bar park while this strike is in effect. And all of this, of course, comes as the Red Sox are set to take on the LA Dodger ...

ServiceNow TodayNOWServiceNow$969.24 -26.94 (-2.70%) 52-Week Range$678.66▼$1,198.09P/E Ratio122.16Price Target$1,114.87Add to WatchlistServiceNow’s NYSE: NOW Q2 results and guidance update are a wow moment for investors and an eye-opener for those waiting on AI’s second wave. The second wave, the rise of agentic services and the application of AI, is expected to be a larger, faster-growing, and longer-sustained rally than infrastructure, which has been a rocket-ship of gains for technology investors. The t ...

MONTEREY, Calif., July 25, 2025 (GLOBE NEWSWIRE) -- A Media Snippet accompanying this announcement is available by clicking on this link. SEGG Media Corporation (NASDAQ: SEGG, LTRYW) (“SEGG Media” or the “Company”), a leading technology company transforming the global intersection of sports, entertainment and gaming today announced that all three Lottery.com and Sports.com-sponsored drivers, Callum Ilott, Louis Foster, and Sebastian Murray, will be competing at the Java House Grand Prix of Monterey on one ...

Financial Data and Key Metrics Changes - The company reported net income of $10 million or 48 cents per diluted common share, with net interest income increasing by $2.5 million to $50 million compared to the linked quarter [13][14] - The tax equivalent net interest margin expanded by 13 basis points to 3.57% in the second quarter, driven by higher earning asset volumes and yields [14] - The consolidated CET1 ratio was 11.02% at June 30, 2025, up five basis points from March 31, 2025 [13] Business Line Data and Key Metrics Changes - Solid loan growth of 7.4% was reported, with commercial loan production reaching $215 million, the highest in the last six quarters [5][11] - Wealth management revenues increased by 5% linked quarter, and SBA fee income doubled compared to the same period last year [6][11] - Noninterest income was $10.2 million, slightly up from $10.1 million in the linked quarter, driven by increases in wealth management, card revenue, and mortgage origination fees [15] Market Data and Key Metrics Changes - Average deposits remained flat, while end-of-period deposits decreased slightly; however, noninterest-bearing balances were ahead of both the linked quarter and the year-ago quarter [10] - The loan pipeline showed strength, particularly in commercial and industrial lending, offsetting small declines in agricultural and commercial real estate lending [10][11] Company Strategy and Development Direction - The company continues to execute its 2025 strategic initiatives, focusing on disciplined balance sheet management and building a high-performing team [5][6] - There is a commitment to expanding talent in key markets, with significant new hires in commercial banking and wealth management [6][12] - The company is exploring M&A opportunities, focusing on geographic expansion and enhancing business lines that can add value [66] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the strength of the balance sheet and underlying earnings momentum, positioning the company well for the remainder of 2025 [8][73] - The expectation for mid-single-digit loan growth remains for the second half of 2025, with a focus on organic growth [5][11] - Management anticipates that credit loss expenses will normalize in the back half of the year, reflecting a more historical level [36] Other Important Information - A significant impact on asset quality and net income was noted due to a single $24 million nonaccrual loan, which has been classified and is undergoing resolution [7] - The company revised its 2025 annual expense guidance to a range of $146 million to $148 million due to recent talent investments [16] Q&A Session Summary Question: Can you unpack the C&I growth for the quarter? - Management noted strong contributions across various regions and industries, with a mix of existing and new clients driving growth [18][19] Question: What are the expectations for net interest margin in the second half of the year? - Management expects continued margin expansion, albeit at a slower pace of 4 to 5 basis points per quarter [48] Question: What happened with the large CRE loan that impacted asset quality? - Management explained that the loan was a non-owner occupied office in suburban Minneapolis that moved to nonaccrual due to payment issues, but it is currently cash flowing [26][28] Question: How do you see the impact of recent hires on long-term growth? - Management indicated that seasoned bankers are expected to contribute immediately, with a more significant impact anticipated in 2026 [44][45] Question: What are the priorities for potential M&A targets? - The focus is on geographic expansion and enhancing business lines that can add value, with a preference for digestible-sized transactions [66]