Group 1 - iREIT+HOYA Capital focuses on income-producing asset classes that provide sustainable portfolio income, diversification, and inflation hedging [1][2] - The investment strategy emphasizes value stocks that are currently unpopular in the market, aiming for larger future gains [2] - The investment group offers high-yield, dividend growth ideas, targeting dividend yields up to 10% across various asset classes including REITs, ETFs, closed-end funds, and preferred stocks [2] Group 2 - The service provides investment research to help investors achieve dependable monthly income and portfolio diversification [2] - The focus is on defensive stocks with a medium- to long-term investment horizon [2]

Core Insights - The individual has a decade of experience in a Big 4 audit firm, focusing on banking, mining, and energy sectors, which provides a strong foundation in finance and strategy [1] - Currently serves as the Head of Finance for a leading retail real estate owner and operator, overseeing complex financial operations and strategy [1] - Active investor in the U.S. stock market for 13 years, with a portfolio that reflects a balanced approach, emphasizing value stocks while maintaining exposure to growth opportunities [1] - Investment philosophy is based on thorough research and a long-term perspective, aiding in navigating various market cycles successfully [1] - Aims to uncover promising under-the-radar stocks that may not be widely recognized in the market, leveraging a background in auditing and finance [1]

Core Viewpoint - Investors in the Financial Transaction Services sector may consider Global Payments (GPN) or RB Global (RBA) as potential undervalued stocks [1] Group 1: Company Rankings and Performance - GPN has a Zacks Rank of 2 (Buy), while RBA has a Zacks Rank of 3 (Hold) [3] - GPN has shown a stronger improvement in its earnings outlook compared to RBA [3] Group 2: Valuation Metrics - GPN has a forward P/E ratio of 5.78, significantly lower than RBA's forward P/E of 25.61 [5] - GPN's PEG ratio is 0.64, while RBA's PEG ratio is 1.95, indicating GPN may be undervalued relative to its expected EPS growth [5] - GPN's P/B ratio is 0.81, compared to RBA's P/B of 3.76, suggesting GPN's market value is more favorable relative to its book value [6] Group 3: Value Grades - GPN holds a Value grade of A, while RBA has a Value grade of C, indicating GPN is viewed more favorably by value investors [6]

Core Viewpoint - Investors in the Waste Removal Services sector should consider Veolia Environnement SA (VEOEY) and Zurn Water (ZWS) to determine which stock offers better value at present [1] Group 1: Company Rankings and Performance - VEOEY has a Zacks Rank of 2 (Buy), while ZWS has a Zacks Rank of 3 (Hold) [3] - VEOEY has shown a stronger improvement in its earnings outlook compared to ZWS [3] Group 2: Valuation Metrics - VEOEY has a forward P/E ratio of 12.73, significantly lower than ZWS's forward P/E of 27.88 [5] - VEOEY's PEG ratio is 1.18, while ZWS has a PEG ratio of 1.99, indicating VEOEY may be more favorably valued considering expected EPS growth [5] - VEOEY's P/B ratio is 1.78, compared to ZWS's P/B of 4.85, suggesting VEOEY is undervalued relative to its book value [6] - Based on these metrics, VEOEY holds a Value grade of B, while ZWS has a Value grade of C, indicating VEOEY is the better option for value investors [6]

Core Insights - The article highlights the author's extensive experience in finance and strategy, particularly in the banking, mining, and energy sectors, which provides a strong foundation for investment analysis [1] - The author emphasizes a balanced investment approach, focusing on value stocks while also maintaining exposure to growth opportunities, reflecting a long-term investment philosophy [1] - The goal is to uncover promising under-the-radar stocks that may not yet be recognized by the broader market, leveraging a background in auditing and finance for unique insights [1] Company and Industry Summary - The author currently serves as the Head of Finance for a leading retail real estate owner and operator, overseeing complex financial operations and strategy [1] - The investment strategy has evolved over 13 years of active investing in the U.S. stock market, starting from the author's first paycheck [1] - The article aims to provide actionable ideas for investors, drawing from the author's hands-on investing experience and thorough research [1]

Core Viewpoint - Advanced Micro Devices, Inc. (AMD) has experienced a significant decline in share price, dropping nearly 20% since a Strong Buy rating was reiterated in late October [1]. Group 1: Company Performance - AMD's stock price has retreated notably, indicating potential challenges in maintaining investor confidence [1]. Group 2: Analyst Background - The analyst has a decade of experience in a Big 4 audit firm, specializing in banking, mining, and energy sectors, providing a strong foundation in finance and strategy [1]. - Currently, the analyst serves as the Head of Finance for a leading retail real estate operator, overseeing complex financial operations and strategy [1]. - The analyst has been an active investor in the U.S. stock market for 13 years, focusing on a balanced investment approach with an emphasis on value stocks while also seeking growth opportunities [1].

Core Viewpoint - Investors in the Insurance - Multi line sector should consider Principal Financial (PFG) and Prudential (PUK) for potential value opportunities, with PFG currently presenting a better value proposition [1] Group 1: Zacks Rank and Earnings Outlook - Principal Financial has a Zacks Rank of 2 (Buy), indicating a positive earnings outlook, while Prudential has a Zacks Rank of 3 (Hold) [3] - The Zacks Rank emphasizes companies with positive earnings estimate revisions, suggesting that PFG's earnings outlook is improving more significantly than PUK's [3] Group 2: Valuation Metrics - PFG has a forward P/E ratio of 9.75, compared to PUK's forward P/E of 13.10, indicating that PFG may be undervalued relative to PUK [5] - The PEG ratio for PFG is 0.69, while PUK's PEG ratio is 0.79, suggesting that PFG offers better value when considering expected EPS growth [5] - PFG's P/B ratio is 1.75, whereas PUK's P/B ratio is 2.15, further indicating that PFG is more attractively priced based on its book value [6] - Based on these valuation metrics, PFG holds a Value grade of A, while PUK has a Value grade of C, reinforcing the notion that PFG is the superior choice for value investors [6]

Core Insights - The stock market performed well in 2025, with the S&P 500 index achieving a total return of 17.9%, while the retail sector lagged with a return of only 5.6% [1] - Target and Kohl's are highlighted as potential value stocks due to their recent share price declines [1] Target - Target has differentiated itself by offering exclusive brands, but has recently faced sluggish sales, with fiscal third-quarter same-store sales dropping 2.7% [4] - The decline in sales is attributed to lower customer traffic and decreased spending, with inflation impacting discretionary spending [5] - The incoming CEO, Michael Fiddelke, aims to return to a differentiated merchandising strategy, update stores, and invest in technology to enhance customer experience [6] - Target's sales have also been affected by boycotts related to management's rollback of diversity, equity, and inclusion initiatives [7] - Despite a 26% decline in stock price over the past year, the current price-to-earnings (P/E) ratio of 12 presents a more attractive valuation compared to the S&P 500's P/E of 31 [9] Industry Outlook - The challenges faced by the retail sector may present long-term investment opportunities [8] - Target's new leadership is expected to steer the company back to its traditional merchandising roots after recent struggles [8]

Core Insights - The S&P 500, Nasdaq Composite, and Dow Jones Industrial Average reached record highs in 2025, while the energy sector only gained 4.4% and consumer staples lost 1.2% compared to a 16.4% increase in the S&P 500 [1][2]. Chevron - Chevron is focusing on disciplined capital management and rewarding shareholders, particularly through its acquisition of Hess, which has valuable assets in the Bakken Basin and offshore Guyana [4]. - For 2026, Chevron anticipates capital expenditures (capex) between $18 billion and $19 billion, with over half allocated to U.S. projects, including $6 billion in the Permian, DJ, and Bakken basins, and $7 billion in offshore investments [5]. - The company's strategy of emphasizing international upstream production alongside onshore U.S. production may lead to lower production costs and higher margins [6]. - Chevron has effectively reduced costs, allowing it to sustain operating expenses, long-term investments, and capital plans, including dividends and stock repurchases, even at lower oil prices, with a breakeven point below $50 per barrel of Brent Crude oil through 2030 [7]. - With a 4.5% dividend yield and a forward price-to-earnings (P/E) ratio of 20.2, Chevron is positioned as a strong buy for value and income investors in 2026, having increased its dividend for 38 consecutive years [8]. Kinder Morgan - Kinder Morgan, a midstream company, plays a crucial role in the energy sector by investing in and maintaining infrastructure assets such as pipelines and terminals, which are essential for transporting, storing, and processing hydrocarbons [11]. - The company is expected to benefit from growing U.S. energy consumption and exports, positioning it favorably in the current market environment [10]. Kimberly-Clark - Despite poor recent results, Kimberly-Clark's stock is considered undervalued and presents an attractive investment opportunity [10].

Core Viewpoint - The Vanguard S&P Small-Cap 600 Value ETF (VIOV) is a passively managed ETF that aims to provide broad exposure to the Small Cap Value segment of the US equity market, with assets exceeding $1.50 billion, positioning it as an average-sized ETF in this category [1]. Group 1: Investment Potential - Small cap companies, defined as those with market capitalizations below $2 billion, present significant investment potential but also come with higher risks [2]. - Value stocks typically exhibit lower price-to-earnings and price-to-book ratios, along with lower sales and earnings growth rates. Historically, value stocks have outperformed growth stocks in long-term performance, although growth stocks may excel in strong bull markets [3]. Group 2: Costs and Performance - The ETF has an annual operating expense ratio of 0.1%, making it one of the least expensive options in its category, and it offers a 12-month trailing dividend yield of 1.65% [4]. - VIOV aims to match the performance of the S&P SmallCap 600 Value Index, having gained approximately 2.1% year-to-date and about 8.32% over the past year, with a trading range between $71.94 and $101.69 in the last 52 weeks [7]. Group 3: Sector Exposure and Holdings - The ETF's largest allocation is to the Financials sector, comprising about 22.3% of the portfolio, followed by Consumer Discretionary and Industrials [5]. - Borgwarner Inc (BWA) represents about 1.28% of total assets, with the top 10 holdings accounting for approximately 6.26% of total assets under management [6]. Group 4: Risk and Alternatives - VIOV has a beta of 1.02 and a standard deviation of 21.68% over the trailing three-year period, categorizing it as a medium-risk investment with effective diversification across 463 holdings [8]. - The ETF holds a Zacks ETF Rank of 2 (Buy), indicating strong potential for investors seeking exposure to the Small Cap Value segment, with alternatives like the iShares Russell 2000 Value ETF (IWN) and Vanguard Small-Cap Value ETF (VBR) also available [9][10]. Group 5: Market Trends - Passively managed ETFs are gaining popularity among both institutional and retail investors due to their low costs, transparency, flexibility, and tax efficiency, making them suitable vehicles for long-term investment strategies [11].