Bitcoin is struggling to turn recent good news into a substantive rebound, highlighting the ongoing weakness and thin liquidity in digital asset markets that have played a role in keeping prices subdued https://t.co/27MOTBJuTu ...

Core Insights - American Express Company (AmEx) operates a unique business model by carrying loans on its own balance sheet, unlike Visa and Mastercard, which utilize asset-light networks. This allows AmEx to leverage borrowed capital to enhance earnings while maintaining a significant liquidity reserve for protection during tighter credit conditions [1][2] Financial Metrics - AmEx's long-term debt-to-capital ratio is 64.1%, exceeding the industry average of 43.5%. As of September 30, 2025, long-term debt was $57.8 billion, with short-term borrowings of $1.4 billion. Cash and cash equivalents increased to $54.7 billion from $40.6 billion at the end of 2024, indicating a strong liquidity position [2] - The forward price-to-earnings ratio for AmEx is 20.80X, lower than the industry average of 24.32X. The Zacks Consensus Estimate for AmEx's 2025 earnings is $15.43 per share, reflecting a 15.6% increase from the previous year [9][10] Customer Acquisition Strategy - AmEx is focusing on acquiring Gen Z and Millennial customers, issuing 3.2 million new proprietary cards in the third quarter, with 64% of these going to younger demographics. This strategy aims to cultivate future premium cohorts with higher lifetime values rather than pursuing mass volume [3][7] Risk Management - The company employs a risk management strategy that includes lower initial credit limits, leveraging behavioral data from its closed-loop network, and gradual underwriting processes. This approach allows AmEx to treat slightly higher seasoning losses as investments in long-term customer value [4] Competitive Advantage - AmEx differentiates itself from Visa and Mastercard by deeply integrating into the hospitality journey, enhancing customer experiences through partnerships and curated services. This strategy fosters emotional loyalty among consumers, particularly younger ones, strengthening AmEx's premium brand identity [5][7] Stock Performance - AmEx shares have increased by 22.1% year-to-date, contrasting with a 3.7% decline in the industry [6]

Wall Street banks are bracing for money market pressures to rise as the year end is approaching, which analysts say may prompt the Federal Reserve to weigh steps to rebuild liquidity buffers in the $12.6 trillion market https://t.co/TiLKhmIGFw ...

as certain ecosystems try to con retailremember this: a quote shown to you on a UI is not the actual trade, it is merely a guessthe only way to know the quality of the swap is to execute it and see the resultsdo not fall for quotes on UIs being gamedNitesh (@niteshnath):DFlow can "improve" the quotes we show by literally tweaking a parameter in our system that adjusts how thin the liquidity we consider when routing is.Even though we would start winning more flow and it would help with "marketing", we don't ...

How price is determined:🔹 Prices are tracked as a range, not a single number.🔹 Outlier movements are restricted to deter manipulation.🔹 Liquidity based limits ensure positions can be safely closed. ...

⚡️ LATEST: Circle and Bybit are partnering to expand USDC use and liquidity across Bybit’s ecosystem. https://t.co/I9p6hrctMp ...

RT Bitcoin Magazine Pro (@BitcoinMagPro)Coinbase is bullish on BTC for December! With rising liquidity, potential Fed cuts, and easing seller pressure, a Santa rally could be coming. ETFs rebounding too! 🚀👉 Get your weekly alpha here: https://t.co/RR97wfJChy 👀 https://t.co/wLJGCD7zln ...

Market Bubble & Potential Weakness - The market may experience pressure as wealth is sold to provide necessary funds, regardless of a bubble [1] - Dislocations are expected in private equity and venture capital due to firms needing to support existing positions that may no longer be feasible [3] - Weakness may emerge in SAS and other software companies if their functions are replaced by AI or other technologies [4] - Issues have already surfaced in the private credit space [4] Earnings Growth & Market Safety - Strong double-digit earnings growth could safeguard the market [4] - The peak impact of physical and monetary stimulus from the previous year is expected to continue through the end of next year, potentially driving double-digit earnings growth into 2026 and beyond [4] - Continued strong tailwinds behind topline and double-digit earnings growth could mitigate the impact of dislocations [5] - The firm has a bullish S&P price target of 7,500, indicating confidence in strong earnings [6] Consumer & Consumption Dynamics - The firm is bullish on consumption but mixed on the consumer [7] - The top 10% of earners account for 50% of consumption [8] - The bottom third of earners account for only 15% of consumption [9] Inflation & Political Issues - Inflation is anticipated to be more of a political issue than an economic one in 2026 [9][11] - The affordability crisis will be intertwined with inflation and will be a central issue as the midterms approach [11] - The affordability crisis affects a plurality of people, particularly the bottom half of earners, making it a key political concern [12]

bob just crossed $300m tvl with 92% surge in 24 hours. token launched november 20 at $165m fdv already on binance coinbase kraken. 60% apr staking no lockup. 50% tokens unlocked so no cliff coming. bitcoin has $1.9t market cap and under $500m total defi tvl. bob connecting btc to 11 chains with 15,000 dapps ready to absorb that liquidity. circle deployed usdc on stacks but bob already has the bridges built ...

All eyes on Powell. Bitcoin chops sideways. DATs collapse. Liquidity turns. This week’s live stream breaks down the biggest stories driving the crypto markets and what to watch heading into the FOMC meeting. We look at the market’s reaction to macro data, why Digital Asset Treasuries are collapsing, and the single biggest factor that could decide next year’s market direction: global liquidity. Plus: Louis with TA, portfolio competition, tweets of the week, top performers, and major dates for your diary. ~~~ ...