Barclays agreed to buy Best Egg, betting on consumer finance in the U.S. as part of CEO C.S. Venkatakrishnan’s bid to boost the British bank’s stock https://t.co/YljKj7ujsU ...

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We've had a nice turn in the markets. We are green. We do have the first day of the shutdown. ADP's worst print since March of 23. Lisa Cook is staying on the Fed for now. Bitcoin and gold keep rallying. And here's where we begin Q4. We got a 13.5% gain in the S&P 500 year to date. NASDAQ up 17, the Dow up nine, the Russell up nine as well. Joe Teranova, actually, you know what? Not Joe Teranova. Liz Thomas, I just felt like switching it up on the fly. Sorry. All right, you were about ready to go. >> I feel ...

Market Positioning - Polygon is the preferred platform for payments, apps, and consumer finance in emerging markets due to fees, liquidity, integrations, and ecosystem depth [1] - Ethereum is used for high value settlement, while Tron is used for low cost USDT transfers [1] Stablecoin and Payment Ecosystem - Polygon is where regional stablecoins (BRLA, BRZ) settle [1] - Exchanges use Polygon to bridge stablecoins into local systems [1] - Apps like @blindpaylabs integrate with real-time payment systems (Pix, SPEI, PSE) on Polygon [1]

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Project Overview - Tabichain is working to onboard the masses to crypto [1] - Tabichain is backed by @cz_binance's @yzilabs [1] Industry Focus - The project is related to consumer finance [1] - The project is positioned as the future of consumer finance [1]

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Core Insights - Ally Financial reported strong Q2 2025 earnings, with adjusted EPS of $0.99 exceeding estimates of $0.81 and revenue of $2,064 million surpassing the consensus of $2,038 million, reflecting a 36% increase in adjusted EPS year-over-year [1][2] - The sale of its credit card business in April 2025 allowed the company to enhance its capital ratios and focus on core strengths, resulting in a net income attributable to common shareholders of $324 million, up from $191 million in Q2 2024, marking a 69.6% increase [1][2][5] Financial Performance Metrics - Adjusted EPS (Non-GAAP) reached $0.99, a 35.6% increase from $0.73 in Q2 2024 [2] - GAAP EPS was reported at $1.04, up 67.7% from $0.62 in the previous year [2] - Revenue (GAAP) was $2.1 billion, a 4.0% increase from $2.02 billion in Q2 2024 [2] - Adjusted tangible book value per share increased by 13.0% to $37.30 from $33.01 a year ago [2] Business Strategy and Focus - Ally Financial has shifted its strategy to concentrate on core areas such as Dealer Financial Services, Corporate Finance, and Deposits, following the divestiture of non-core businesses [4] - The company aims to maintain prudent credit standards, leverage technology for customer acquisition, manage costs effectively, and preserve capital buffers to remain competitive [4] Segment Performance Highlights - In the Auto Finance segment, GAAP pre-tax income fell by $112 million year-over-year to $472 million, attributed to lower lease gains, while consumer auto loan originations increased to $11.0 billion from a record 3.9 million applications [6] - The Insurance segment reported a GAAP pre-tax profit of $28 million, an improvement of $68 million from the previous year, with written premiums rising to $349 million, a 2% increase [7] - Corporate Finance pre-tax income was $96 million, down $13 million from last year, with a focus on secured lending to mid-sized businesses [8] Digital Banking Growth - Retail deposits totaled $143.2 billion, up $1.1 billion year-over-year, with 92% of retail deposits insured by the federal government [9] - The company added 30,000 net new customers, bringing the total to 3.4 million, marking 65 consecutive quarters of retail deposit customer growth [10] - The net interest margin (non-GAAP) rose by 10 basis points to 3.45%, aided by successful deposit repricing and a favorable funding mix [11] Cost Management and Provisions - Provision for credit losses decreased by $73 million to $384 million, driven by the sale of the credit card business and lower retail auto net charge-offs [12] - Controllable expenses have declined for the seventh consecutive year-over-year quarter, indicating effective cost management [12] Future Outlook - The company expects to offset headwinds from the sale of the credit card business through strategic deposit repricing and funding improvements [15] - No changes to the forward dividend policy were announced, maintaining a quarterly payout of $0.30 per share [16]

General Overview - The document originates from @consumerfi [1]