It's TIME. Let's GO. Join the traders at BAD BEAT Investing! For a limited time ONLY, you can join BAD BEAT for a one-month TRIAL at a big discount. Why join? We are available all day during market hours to answer questions and help you learn and grow. Best position yourself to catch rapid-return trades while finding deep value for the long term.Today we check back in on our holdings in SoFi Technologies, Inc. ( SOFI ). Make no mistake, the fintech bank remains in longer-term growth mode but is pretty expen ...

Core Insights - Affirm Holdings Inc is currently trading at $72.31, facing resistance at the $80 level, with a recent pullback observed at the $70 level, which aligns with a historically bullish trendline [1] Price Trends - The stock has pulled back to the 126-day trendline, remaining above it 80% of the time in the past two months. Historically, similar signals have led to a 50% chance of the stock being higher one month later, with an average gain of 12.5%, potentially pushing the stock above $81 for the first time since September [2] Options Activity - There is significant bearish sentiment surrounding the stock, as indicated by a 50-day put/call volume ratio of 1.38, ranking in the 99th annual percentile. The Schaeffer's put/call open interest ratio of 1.08 also sits in the 96th percentile, suggesting that unwinding of this sentiment could provide additional support for the shares [4] Short Interest - Short interest has decreased by 18.8% over the past two reporting periods but still represents 5% of the stock's total float. At the current trading pace, it would take short sellers nearly two days to cover these positions [5] Earnings Expectations - Affirm is set to announce earnings on November 6, with a history of mixed post-earnings performances. The stock has averaged a 14.8% earnings swing over the past two years, with analysts expecting a larger-than-usual 19% move this quarter, regardless of direction [6]

Geographic Shifts in Finance - Traditional financial centers like NYC, London, and Tokyo are declining in importance due to factors like Fintech legislation and socio-economic issues [1] - Miami, Dubai, and Singapore are emerging as alternative financial hubs [1] - London has seen an outflow of over 250,000 (250 thousand+) British residents to Dubai [1] - Thousands of Chinese expats have relocated from China to Singapore [1] - New York is potentially losing financiers to Miami, accelerating an existing trend [1]

Someone’s Trian to buy Janus Henderson. Activist investor Nelson Peltz’s hedge fund company Trian Partners is seeking to buy up the 80% of outstanding shares of Janus Henderson that it doesn’t already control and take the asset manager private. Last week the company, along with venture capital firm General Catalyst, submitted an offer to pay a roughly 12% premium on the shares. It’s unclear if Janus Henderson will accept the offer, though the firm’s board assembled a committee to contemplate the proposal. ...

Regulatory Dynamics - Five banks were fined a total of over 200 million yuan for various violations, with China Bank fined 97.9 million yuan for issues in governance and loan management [1] - The Central Bank's Zhejiang branch imposed fines exceeding 16 million yuan on six banks, affecting 25 responsible individuals, with penalties ranging from 7,500 to 100,000 yuan [1] Insurance Industry - The total fines in the insurance industry exceeded 300 million yuan in the first three quarters of 2025, marking a year-on-year increase of 9.64%, with 86 individuals banned from the industry [2] - In Q3 2025, the insurance sector saw 632 penalties totaling 134 million yuan, with a significant rise in the number of penalties and institutions involved compared to the previous year [2] Industry Dynamics - The six major state-owned banks reported their Q3 results, with Industrial and Commercial Bank of China achieving a revenue of 610.97 billion yuan, a year-on-year increase of 1.98% [2] - Agricultural Bank of China reported a revenue of 550.77 billion yuan, up 1.87%, while Bank of China and China Construction Bank also showed modest growth in revenue and net profit [2] Corporate Developments - China Pacific Insurance reported a net profit of 45.7 billion yuan in the first three quarters of 2025, reflecting a year-on-year growth of 19.3% [9] - The appointment of Zhao Guid as vice president of Industrial and Commercial Bank of China was announced, highlighting his extensive experience in digital transformation and financial technology [6] - Yibin Bank announced a change in leadership, appointing Guo Hua as the new president after the resignation of Jiang Lin [7] - China Life and New China Life reported significant net profit growth rates of 91.5% and 88.2% respectively in Q3 2025, driven by substantial investment income [5]

one fintech's assets on platform = global stablecoin supplystill early https://t.co/Lh3JAOIvmNToken Terminal 📊 (@tokenterminal):The global stablecoin supply is at an all-time high of ~$300 billion, up by ~$100 billion year to date. https://t.co/cKu0N1KhdX ...

Group 1 - Man GLG holds $28.29 million worth of MercadoLibre, Inc. (NASDAQ:MELI) shares, representing 0.05% of its 13-F portfolio as of Q2 2025, and the company is included in Man GLG's list of 10 stock picks with the highest upside potential [1] - UBS reaffirmed its "Buy" rating on MercadoLibre, Inc. (NASDAQ:MELI) with a $3,000 price target, despite a 20% decline in share prices following changes to its free-shipping policy [2] - UBS noted that the decline in share prices reflects market skepticism over potential margin pressure from the free-shipping policy and higher spending on the platform [2][3] Group 2 - UBS highlighted increasing competition and economic volatility in Argentina as factors impacting margins, but pointed to continued momentum in MercadoLibre's fintech arm supporting robust performance [3] - The stock's underperformance already incorporates consensus expectations of a nearly 160-basis-point quarter-over-quarter margin decline [3] - MercadoLibre, Inc. (NASDAQ:MELI) is trading at roughly 33 times its expected 2026 earnings, which is about 20% below its one-year average, making the stock relatively cheaper compared to its previous valuations [4] Group 3 - MercadoLibre, Inc. offers marketplace, payments, and logistics solutions through its leading e-commerce and fintech platforms, operating across Brazil, Mexico, and Argentina [4]

Financial Performance & Guidance - The Bancorp's Return on Equity (ROE) reached 29% in Q3 YTD 2025[8] - The Bancorp's Return on Assets (ROA) was 2.5% in Q3 YTD 2025[8] - The Bancorp's Efficiency Ratio was 41% in Q3 YTD 2025[8] - The company lowered its 2025 earnings per share guidance to $5.10[11] - The company aims for a $1.75 earnings per share run rate by Q4 2026, equivalent to $7.00 per share annually[11] - Preliminary 2027 full-year earnings per share guidance is $8.25[11] Fintech Solutions - Fintech Solutions contribute to 26% of the total bank revenue[40] - Fintech Solutions Group average deposits reached $7.6 billion in Q3 2025[48] - Fintech Solutions deposit growth is driven by increased transactional volume and new partners[49] - Insured deposits account for 92% of the total deposits[50] Lending Portfolio - Total loan portfolio principal stands at $6.799 billion as of September 30, 2025[58]

Deloitte China plans to hire about 1,000 people in Hong Kong and invest HK$500 million (US$64 million) over the next four years, as part of a new initiative that is expected to strengthen the city's role as a regional talent and innovation hub. Called the "Hong Kong LEAP" strategy, the initiative is focused on expanding the company's capabilities in fintech, capital markets operations and artificial intelligence - areas that would be key to driving the city's next phase of economic transformation, accordin ...

Mergers & Acquisitions - Banks are acquiring each other and fintech companies [1] Regulatory Environment - US stress tests are becoming easier to pass [1]