分期商城：年化利率"隐身" 放贷行为"异化"，被包装成"商品分期+平台回收"的交易，再通过商品溢价和回收折扣，变相收取高额 利息。"我在小象优品平台'回收'的黄金，说好一个工作日内完成打款，但好几天都没打款，询问客服 也只说让等待。现在还款账单都出了，难道要到还款日才能打款吗？"近日，读者李琪（化名）向北京 商报记者反映称。 李琪介绍，2025年12月26日，其在小象优品下单的黄金商品共计4707元，分为12期还款。分期完成后， 由小象优品官方"一键回收"，回收价为3016.5元。这一过程中，李琪本人并未接触对应商品。同年12月 29日，平台显示已完成回收质检。 小象优品的"一出一进"之间，原本的分期消费变成了套现，贷款成本也远超24%的监管要求。按照IRR 标准口径计算，李琪这一黄金分期年化利率高达146.8%。 北京商报记者在小象优品平台注意到，一款售价为14029元的水贝黄金手镯，分12期计算，每期还款 1312.17元，分期总额为15746.02元。该款产品克重约为8.71克，按购买售价计算，单克黄金价格超过 1610元。而同日知名黄金品牌金饰售价集中在1400元/克左右，回收价则集中在970—100 ...

Glendale, CA, Jan. 09, 2026 (GLOBE NEWSWIRE) -- The update strengthens RadCred’s loan-matching process, supporting faster loan decision timelines through licensed lenders. RadCred announced an update to its online loan-matching platform that enables borrowers with bad or limited credit to access same-day loan approval options through licensed lenders. The update comes at a time when many Americans are facing rising living costs, limited savings, and fewer approvals from traditional banks. RadCred uses a sim ...

此前2025年9月，其母公司北京云掣科技有限公司（下称"云掣科技"）注册资本大增10亿元，从12.55亿 元壮大至22.55亿元。 ▲图源：天眼查 通常来讲，小贷公司增资，除了满足监管杠杆率的要求，更重要的是扩大资金池，提高贷款投放能力， 抢占市场份额。 按照相关规定，小贷公司融资杠杠上限为"1+4"，10亿元注册资本理论上可撬动50亿元的放贷资金池， 即快手小贷的放贷资金池将较增资前翻倍。 01 来源：柒财经 短视频巨头——快手，毫不掩饰它的放贷野心。 天眼查信息显示，2025年底，广州快手小额贷款有限公司（简称"快手小贷"）注册资本发生变更，从5 亿元增至10亿元。 无缝金融：刷视频—借钱—下单 梳理快手在金融领域的足履，虽然步步为营，却早已织就大网。 快手涉水金融，始于2020年。当年，快手以近3亿元现金+部分股票的方式，收购易联支付超50%的股 份，间接获得了这张重磅牌照。 之后三年，快手凭借资金和流量的对接通道这一支点，双管齐下促成转化（抽佣），也暗暗培育自己的 金融生态：一边为助贷平台导流，赚取佣金；一边上架"贷超"，把第三方平台的现金贷产品集合起来， 供用户筛选、比较。 据业内人士称，截至202 ...

LendingClub Corporation (NYSE:LC) is one of the best financial pure plays under $100 according to Hedge Funds. JPMorgan analyst Reginald Smith reaffirmed his stance on LendingClub Corporation (NYSE:LC) on December 4. The analyst reiterated an Overweight rating for the stock and raised his price target from $22 to $25. According to Smith’s revised estimates, the stock offers over 19% upside from the current level. conejota/Shutterstock.com Smith raised his price target for LendingClub Corporation (NYSE: ...

The long-awaited return of IPO activity this year minted 21 new billionaires, but what came after many companies’ eye-popping debuts was often a different story. Insiders whose stakes ballooned to at least $1 billion on the first trading day have since seen the value of those holdings plunge by an average of 23% in the following weeks or months. “Hype and momentum can only take you so far,’” said Steve Sosnick, chief strategist at Interactive Brokers. “We saw no shortage of stocks and other speculative ass ...

Chris Ruddy — a former New York Post journalist and the founder of conservative cable news network Newsmax — became an improbable billionaire in late March when Newsmax’s shares soared more than 2,200% in its first two days of trading, valuing his stake at more than $9.1 billion on paper. That was short-lived: a day later, Newsmax’s shares fell by nearly 80%, and Ruddy’s net worth is currently hovering at about $339 million, according to Bloomberg’s calculations. In early October, Newsmax’s stock gained 11% ...

This story was originally published on Banking Dive. To receive daily news and insights, subscribe to our free daily Banking Dive newsletter. Dive Brief: Fintech Enova International has agreed to buy Grasshopper Bancorp and its digital bank subsidiary, Grasshopper Bank, for $369 million in cash and stock, the companies said Thursday. Pairing Chicago-based Enova’s online lending platform with Grasshopper’s national bank charter and deposit-gathering capabilities will allow the combined company to access ...

Core Insights - The article emphasizes a holistic investment approach in healthcare equities, integrating both top-down and bottom-up valuation techniques [1] Group 1 - The importance of detailed analysis of companies, including capital structure and debt covenants, is highlighted as a significant factor in equity valuation [1]

Glendale, CA, Nov. 29, 2025 (GLOBE NEWSWIRE) -- RadCred, an AI-based loan matching platform specializing in alternative credit access, today announced the expansion of its payday loans online service across 120+ cities throughout California. As the holiday season approaches, many face unexpected expenses ranging from last-minute gifts and travel to urgent home repairs and medical bills. For individuals with poor credit histories or limited credit profiles, traditional lenders remain inaccessible precisely w ...

Core Insights - Pagaya Technologies Ltd. (PGY) has demonstrated strong growth in network volume, achieving a year-over-year increase of 10.5% for the nine months ending September 30, 2025 [1][11] Business Model and Expansion - PGY has diversified its business model beyond personal loans, expanding into auto lending and point-of-sale financing, which has been a key driver of network volume growth [2][11] - The company has improved its credit trends and diversified its funding sources, including more forward flow deals and asset-backed securities (ABS) issuance, which enhances flexibility and reduces reliance on a single funding source [3][11] Financial Performance - The increase in network volume has led to a 26.7% year-over-year rise in network AI fees during the first nine months of 2025, contributing to a total revenue growth of 28.4% year-over-year [4][11] - For the full year 2025, PGY anticipates network volume to reach between $10.5 billion and $10.75 billion, supported by advancements in AI credit models and a scalable ABS platform [5] Market Position and Valuation - PGY's stock has surged by 132.8% this year, contrasting with a 10.1% decline in the industry, indicating strong investor confidence [10] - Currently, PGY trades at a 12-month forward price-to-sales (P/S) ratio of 1.13X, significantly below the industry average of 2.92X over the past three years [12] Earnings Estimates - The Zacks Consensus Estimate for PGY's earnings has increased to $3.10 for 2025 and $3.41 for 2026, reflecting year-over-year growth projections of 273.5% and 10%, respectively [13]