Core Insights - FICO's October 2025 credit card data indicates a decline in credit card spending compared to both the previous month and the previous year, with average balances falling for the first time since May, although they remain higher than in October 2024 [1][3][8] Spending Trends - Average UK credit card spend decreased by 4.7% month-on-month and 3% year-on-year, reaching £765 [7][8] - The average card balance fell by 0.7% month-on-month to £1,900, yet is still 4.7% higher than the same month in 2024 [7][8] - The percentage of total balance paid dropped by 0.8% month-on-month to 34.36%, which is 7.6% lower than October 2024 [7][8] Payment Behavior - The percentage of customers missing one payment increased by 7.5% month-on-month, while those missing two payments rose by 2.6% [7][8] - The percentage of accounts with three missed payments decreased by 2.3% [7][8] Credit Limits and Overlimit Accounts - Average credit limits saw a modest increase of 0.2% month-on-month to £5,910, remaining 2.5% higher year-on-year [5][7] - The number of overlimit accounts decreased by 6.0% month-on-month to 1.35%, although this figure is still 3.3% higher than last year [5][6] Financial Vulnerabilities - The increase in missed payments and the high delinquent average balance raise concerns about financial vulnerabilities among consumers, particularly as the Christmas spending peak approaches [3][4][6]

WILMINGTON, Mass.--(BUSINESS WIRE)---- $ONTO--Onto Innovation Inc. (NYSE: ONTO) today announced the Company has received the "Excellent Production Support†award from Taiwan Semiconductor Manufacturing Co., Ltd (TSMC) as part of its initiative recognizing the outstanding contributions of its global suppliers. Onto Innovation achieves ongoing success in integrating machine learning and predictive analytics into its metrology and inspection systems, which increases productivity for its customers. TSMC salu. ...

WESTPORT, Conn., Dec. 18, 2025 /PRNewswire/ -- Maplewood Senior Living, a trailblazer in transforming the senior living landscape, is poised for an exciting future as it continues to embrace innovation and exceed resident expectations. With a rich history of providing upscale senior living experiences, Maplewood has consistently pushed the boundaries of what's possible in senior care. As the company looks ahead, it is making strategic leadership changes, addressing industry challenges, and embracing cuttin ...

STAMFORD, Conn.--(BUSINESS WIRE)--Insurance enterprises are increasingly integrating AI into their operations to increase agility, personalization and operational excellence as they face multiple business challenges, according to a new research report published today by Information Services Group (ISG) (Nasdaq: III), a global AI-centered technology research and advisory firm. Insurers around the world are rethinking how they deliver value amid rising uncertainty. They are turning to AI and other intelligent ...

Core Insights - Colgate-Palmolive Company (NYSE:CL) is recognized as one of the 15 Best Blue-Chip Stocks with Growing Dividends [1] Financial Performance and Outlook - Argus analyst downgraded Colgate-Palmolive from Buy to Hold due to rising raw material costs and tariff pressures impacting profitability, suggesting a less compelling risk-reward scenario [2] - During Q3 2025 earnings, the company reaffirmed its long-term 2030 Strategy, emphasizing the strength of its core brands and their positions in expanding global categories [3] - Colgate updated its organic sales growth outlook, projecting approximately 1.2% growth for the full year, which includes a 70 basis point headwind from exiting private-label operations [5] Innovation and Strategy - The company is focusing on a revamped innovation approach, allocating more resources to science-based product development across various price points [4] - Investments in AI, predictive analytics, and automation are highlighted as key tools to enhance efficiency and enable personalized offerings at scale [4] Market Position - Colgate-Palmolive operates as a global consumer products company, specializing in oral, personal, and home care products, with nearly half of its business linked to faster-growing emerging markets [6]

PRINCETON, N. J., Dec. 16, 2025 (GLOBE NEWSWIRE) -- MISTRAS Group, Inc. (NYSE: MG), a global leader in technology-enabled industrial asset integrity and testing solutions, announced today that Bechtel has selected the Company to deliver Non-Destructive Testing (NDT) services for the Woodside Louisiana LNG terminal, a multibillion-dollar LNG production and export facility under construction in Sulphur, Louisiana.  The project, which is permitted up to 27.6 million tonnes per annum of LNG production, is one o ...

Market Overview - The Law Enforcement Software Market was valued at USD 18.86 billion in 2025 and is projected to reach USD 40.82 billion by 2033, growing at a CAGR of 10.13% from 2026 to 2033 [1]. Growth Drivers - The expanding use of digital tools for public safety management, crime prevention, and investigation is driving growth in the law enforcement software market [2]. - The adoption of automated platforms and digital technologies is enhancing operational efficiency in police and public safety organizations [4]. Market Segmentation By Component - The solutions segment dominated the market with over 68.25% market share in 2025, driven by the need for operational efficiency and advanced tools [5]. - The services segment is expected to grow at the highest CAGR of 10.57% during the forecast period due to the demand for continuous support and training [5]. By Deployment - The cloud segment represented more than 71.48% of the market share in 2025, favored for its scalability, cost-efficiency, and accessibility [7]. - The on-premises segment is anticipated to grow at a CAGR of over 10.63%, offering customizable solutions for agencies [7]. Regional Insights - North America accounted for more than 36.23% of the law enforcement software market in 2023, integrating advanced technologies like AI and Big Data analytics [8]. - The Asia Pacific region is experiencing the highest growth rate with a CAGR of over 12.25% from 2026 to 2033, driven by urbanization and demand for advanced public safety solutions [9]. Key Players and Developments - Notable companies in the market include Axon, Motorola Solutions, Tyler Technologies, IBM, and Oracle, among others [12]. - Recent developments include Axon's introduction of new AI-powered tools and Oracle's enhancements to its Public Safety Suite with officer-worn cameras and real-time analytics [12].

Core Insights - UnitedHealth Group Inc. (UNH) is transforming its business model by integrating insurance coverage with health services and technology, focusing on efficiency and proactive care management [1][8] Business Strategy - A significant aspect of UNH's strategy is the expansion of Optum in pharmacy services, care delivery, and analytics, moving towards a value-driven approach that enhances competitive advantage [2][8] - The integration of clinical insights with insurance operations allows UNH to offer tailored solutions, improving efficiency for members and providers [2] Technological Advancements - Technology, including AI and predictive analytics, is central to UNH's transformation, streamlining claims processes and reducing administrative waste while enhancing member engagement [3] - These technological improvements also aid in managing chronic conditions and optimizing care pathways, ultimately improving healthcare quality [3] Financial Performance - In the first nine months of 2025, UNH's total revenues increased by 11.6% year over year, with Optum growing by 6.6% and UnitedHealthcare by 15% [4][8] - The Zacks Consensus Estimate for UNH's 2025 earnings is $16.29 per share, indicating a 41.1% decline from the previous year [11] Competitive Landscape - Competitors like Elevance Health, Inc. (ELV) and Humana Inc. (HUM) are also adapting their strategies, with ELV reporting a 13.5% revenue increase and HUM's CenterWell segment growing by 11.5% year over year in the same period [5][6] Valuation Metrics - UNH trades at a forward price-to-earnings ratio of 18.5, above the industry average of 15.2, and holds a Value Score of A [9] - The stock has seen a decline of 36% year-to-date, compared to a 30.4% drop in the industry [7]

Core Insights - The latest credit card data from FICO for September 2025 indicates that households are facing financial challenges, with signs of increased delinquency among cardholders with accumulated debt [1][2] - There is a notable decline in average credit card spending, reflecting subdued consumer confidence [3][9] Spending and Balances - Average UK credit card spend in September 2025 was £805, marking a 3.8% year-on-year decline, the most significant drop in recent months [3][9] - Average active balances increased to £1,915, which is 4.5% higher than September 2024, indicating ongoing financial pressure on households [4][9] Payment Trends - The percentage of total balance paid fell to 34.6%, a decrease of 6.5% year-on-year, suggesting that customers are struggling to pay down their balances [4][9][10] - Payments to balance saw a slight increase of 1% month-on-month, but remain significantly lower than the previous year [4][10] Delinquency Rates - There has been a 3.7% month-on-month increase in customers missing three payments, which is also 1.7% higher than September 2024, indicating a trend towards deeper delinquency [5][9][10] - Customers who have held their credit cards for five years or more exhibit the highest delinquent balances, with their delinquent balance being twice as high compared to their overall balance [6][7] Key Metrics Summary - Key metrics for September 2025 include: - Average credit card spend: £805, down 3.8% year-on-year [8][9] - Average card balance: £1,915, up 4.5% year-on-year [8][9] - Percentage of customers missing three payments: 0.21%, up 3.7% month-on-month [10] - Average credit limit: £5,900, up 2.5% year-on-year [10]

Accessibility StatementSkip Navigation SAN DIEGO, Dec. 2, 2025 /PRNewswire/ -- For an unprecedented 20th year in a row, San Diego Gas & Electric (SDG&E) has been awarded the ReliabilityOne Award for Outstanding Reliability Performance in the Western Region by PA Consulting. This milestone achievement underscores the company's long-term commitment to critical investments that enhance grid resilience and reliability for millions of consumers.SDG&E's reliability performance has outpaced that of its western pe ...