Visa Inc. (NYSE:V) is one of the stocks Jim Cramer Recently Discussed. A caller mentioned that they initiated a significant position in the stock when it was at $68 and asked for Cramer’s opinion. In response, he said: Okay, right now, there are people who are actually, there was a piece that came out on Monday talking about how Visa’s going to be in huge trouble, Visa! Alright, here’s the way I feel. I like both Visa. I like MasterCard a little bit more. These are terrific growth companies. Periodically, ...

Earnings Presentation Q4 2025 February 26, 2026 Private Securities Litigation Reform Act of 1995 Safe Harbor for Forward-Looking Statements This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Adiscussion of these forward-looking statements and risk factors that may affect them is set forth at the ...

Global Payments Inc. (NYSE:GPN) is one of the 12 Cheap Technology Stocks to Invest In According to Hedge Funds. On February 19, TD Cowen analyst Bryan Bergin increased the price target on Global Payments Inc. (NYSE:GPN) from $90 to $91, keeping a Hold rating on the stock. According to TheFly, Bergin believes that consistent Q4 standalone execution capped off a healthy 2025 and 2026 outlook. TD Cowen Raises PT on Global Payments Inc. (GPN) to $91, Keeps Hold Rating On February 18, Global Payments posted ...

Madison Investments, an investment advisor, released its fourth-quarter 2025 investor letter for the “Madison Large Cap Fund”. A copy of the letter can be downloaded here. In the fourth quarter, the S&P 500 returned 2.65%, resulting in a full-year return of 17.9% for 2025. Over the last three years, the Index has achieved annual growth of over 21%. Following the recent trends, market leadership was defined by High Beta and Momentum factors, with narrow participation. However, in the fourth quarter, the mark ...

Core Insights - Global Payments reported a rise in fourth-quarter profit and forecasted annual earnings above Wall Street estimates, leading to an over 8% increase in its shares [1] Financial Performance - The company expects adjusted earnings per share for fiscal year 2026 to be between $13.80 and $14, surpassing Wall Street's estimate of $13.64 [1] - Quarterly net profit attributable to Global Payments rose to $754.7 million, or $3.18 per share, on an adjusted basis, compared to $717.9 million, or $2.85 per share, a year earlier [1] - The merchant solutions segment, the largest for the company, saw a nearly 3% increase in adjusted operating income to $877.1 million in the fourth quarter year-over-year [1] - Adjusted operating income from the issuer solutions business increased to $267.8 million in the fourth quarter from $253.6 million the previous year [1] Market Dynamics - Consumer spending among higher-income shoppers remains strong, while middle and lower-income households are reducing expenditures due to macroeconomic pressures [1] - The diversified nature of Global Payments' merchant business across sectors and regions provides a buffer against economic downturns [1] Capital Management - CEO Cameron Bready stated the company expects to return $7.5 billion of capital to shareholders through the end of 2027 following the completion of major transactions [1]

Financial Data and Key Metrics Changes - The company reported total sales of $809 million for Q4 2025, reflecting a core growth of 5% and an adjusted EPS of $0.86, which is an 8% increase year-over-year [14][15] - For the full year, organic sales grew nearly 4% and EPS finished up 11% [4][5] - Adjusted free cash flow for 2025 was over $460 million, equating to about 15% of annual sales [4][15] Business Line Data and Key Metrics Changes - Environmental and Fueling Solutions (EFS) segment delivered 6% core growth for the full year, with dispenser sales increasing high single digits in Q4 [16] - Mobility Technologies saw core sales increase by 8.5% in Q4, with Invenco achieving a revenue base of nearly $650 million, up 22% organically [9][17] - Repair Solutions experienced a sequential sales increase in Q4, although overall sales declined by 2% due to lower volumes [18] Market Data and Key Metrics Changes - The fueling market has shown a broad-based growth with a 6% organic CAGR over the last two years, driven by increased capital investment in fueling equipment, particularly in North America [8] - Environmental sales finished the year with growth in the low teens, supported by strong upgrade activity for connected automatic tank gauges [9] - The convenience retail end market is growing at a mid-single-digit CAGR, fueled by strategic investments in food service and technology [10] Company Strategy and Development Direction - The company is focused on a connected mobility strategy that enables profitable growth and innovation across its portfolio [5] - Simplification efforts are expected to yield $15 million in incremental cost savings, enhancing operational efficiency [6][20] - The unified payment solution is a strategic priority, addressing payment complexity and driving additional revenue opportunities for customers [12][13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in entering 2026 with strong momentum and a healthier portfolio, expecting core growth of about 3% and operating margin expansion of 80 basis points [6][20] - The company anticipates challenges in the first half of 2026 due to tougher comparisons but expects stronger growth in the second half [22] - Management highlighted the importance of innovation and product vitality in driving customer engagement and commercial momentum [25] Other Important Information - The company ended the year with nearly $500 million in cash and a net leverage ratio of 2.3 times, down from 2.6 times at the start of the year [19] - Share repurchases totaled $300 million for the year, equating to over 5% of shares outstanding [19] Q&A Session Summary Question: Insights on MobilityTech growth - Management noted that innovation-driven growth in MobilityTech exceeded expectations, with strong uptake on new products like FlexPay 6 and NFX [29][31] - There was a $4 million inventory reserve adjustment at Invenco due to legacy inventory prior to acquisition [33] Question: Longevity of retail fueling cycle - Management expressed confidence in the retail fueling cycle, citing positive feedback from convenience store customers and ongoing capital investments [35][37] Question: Q1 core growth expectations across segments - EFS is expected to grow in the low single-digit range, while Mobility Technologies and Repair Solutions are anticipated to be relatively flat [42] Question: Operating margins and cost drivers - Q1 margins are expected to be flat year-over-year, with significant savings from simplification efforts ramping up in the second half of the year [44][46] Question: Dynamics of payment terminals - Management clarified that their payment terminals are not below average products; they provide significant advantages in managing payment complexity and lifecycle costs [70][72]

Group 1 - Zanaga Iron Ore Co Ltd has signed a binding term sheet with Red Arc Minerals worth up to $25 million to fund engineering work at the Zanaga project in the Republic of Congo, potentially leading to a final investment decision without diluting shareholders [1] - Sunda Energy PLC has secured up to £1.5 million in unsecured funding from its chief executive while pursuing a potential acquisition and working to advance its Timor-Leste gas project [1] - AFC Energy PLC has entered a joint development deal with Komatsu valued at around $2 million to test ammonia as a cleaner alternative to diesel for powering heavy industrial engines [1] Group 2 - accesso Technology Group PLC has expanded its partnership with Adyen, enabling embedded payments across its global platform, which will handle over $5 billion annually in transactions [1] - Gaming Realms PLC anticipates a 10% increase in full-year revenue to £31.4 million, driven by growth in the US market, with strong trading starting in early 2026 [1] - S&U PLC is expecting strong full-year results following rapid lending growth and has raised its interim dividend to 35p due to improved collections and margins [1]

Core Insights - XYRA Corp. has appointed Maria Medvedeva as Chairwoman of the Board of Advisors to guide the company's expansion in AI-driven payments infrastructure across the Americas [1][2] Company Overview - XYRA Corp. is an AI-driven, quantum-secure payment network that integrates remittances, fintech, and crypto assets under a compliant infrastructure [1][9] - The company is a subsidiary of Cavitation Technologies, Inc. and focuses on opportunities within the crypto and digital technologies markets [9] Leadership Experience - Maria Medvedeva has over 25 years of experience in payment technology and financial services, including significant roles at Mastercard and Skyro [3][4] - At Mastercard, she was the first female Country Manager for Saudi Arabia and Bahrain, leading major market expansions [3] - Most recently, she served as Vice Chairwoman at Skyro, overseeing corporate governance and fintech innovation [4] Recognition and Qualifications - Medvedeva was named among the Top 100 Women Business Leaders in the Middle East in 2026 and received the Woman Leader in Finance Award in 2025 [5] - She holds an EMBA from London Business School and is a candidate for Certified Board Director through the GCC Board of Directors Institute [6] Strategic Goals - Medvedeva's leadership is expected to support XYRA's mission to provide faster, lower-cost alternatives to traditional remittance and lending systems through blockchain technology [2][7] - The company is preparing for its initial revenue phase in the second half of 2026 and is pursuing institutional capital to accelerate growth [7]

Core Viewpoint - Mastercard is a leading player in payment technology, providing a variety of transaction processing and payment-related services, and competes with major players like Visa in the financial sector [1] Group 1: Stock Performance and Analyst Outlook - The consensus price target for Mastercard's stock has been on an upward trend, increasing from $668.18 last quarter to $669.75 last month, and from $656.78 last year, indicating a positive outlook from analysts [2][5] - Analysts project Mastercard's forward earnings per share (EPS) growth to be between 13% and 16.5% annually through 2028, supporting an estimated fair value of $616 per share [3][5] Group 2: Financial Metrics and Strategic Initiatives - Despite a modest dividend yield of 0.6%, Mastercard's dividend has compounded at an impressive rate of 13.9% annually, reflecting strong financial health [3] - The launch of the Mastercard Agent Suite is among the strategic initiatives that enhance the company's growth potential [3] Group 3: Market Indicators and Valuation - As Mastercard approaches its Q4 earnings announcement, strong transaction volumes and gains in cross-border activities are seen as positive indicators, although the company's valuation is considered stretched [4]

Core Insights - MagTek has launched a new service enabling U.S. customers to accept contactless payments using only an iPhone and a supporting iOS app, eliminating the need for additional hardware [1][2] - The Tap to Pay on iPhone feature allows merchants to accept various forms of contactless payments, including credit and debit cards, Apple Pay, and other digital wallets [2][3] Company Overview - MagTek, founded in 1972, specializes in secure payment technology and security solutions, providing a range of products including card readers, secure cards, and transaction processing services [6] - The company emphasizes innovation and engineering excellence, with all operations based in the USA, including engineering, production, and sales [6] Technology and Security - The Tap to Pay on iPhone technology leverages the built-in security features of the iPhone to protect business and customer data, ensuring that card numbers and transaction information are not stored on the device or Apple servers [3][5] - Developers can integrate the MagTek iOS Virtual Reader SDK into their payment applications, which is available for free and compatible with iPhone XS or later running the latest iOS [3][4] Market Application - MagTek collaborates with developers across various industries, including restaurant, retail, hospitality, healthcare, transportation, OEM, and banking, to enhance payment application security and compliance [3][4]