Core Insights - Euronet Worldwide reported a mixed performance in Q4, with consolidated revenue increasing by 1% year-over-year on a constant-currency basis, while adjusted operating income declined by 6% and adjusted EBITDA remained consistent with the prior year [1][3] - Despite challenges, the company achieved double-digit earnings-per-share growth for the year and anticipates continued growth of 10% to 15% in adjusted EPS for 2026, reflecting confidence in its operational trajectory and growth initiatives [2][6] Financial Performance - For the full year, Euronet reported revenue of $4.2 billion, adjusted operating income of $550 million, adjusted EBITDA of $743 million, and adjusted EPS of $9.61, with operating margins expanding by approximately 30 basis points compared to the previous year [23][24] - The company ended the quarter with approximately $1 billion in unrestricted cash and $2 billion in debt, having repurchased $388 million in shares during 2025 [24][25] Segment Performance - The EFT segment showed strength with revenue rising by approximately 8% and adjusted EBITDA increasing by about 13%, while both epay and Money Transfer segments experienced modest declines [5][10] - Money Transfer faced pressures due to macroeconomic conditions and immigration-related dynamics, particularly affecting remittance flows to Mexico, although the average amount sent increased by 7% to 8% year-over-year [8][9] Strategic Initiatives - Euronet is focusing on rapid merchant-acquiring growth, with adjusted EBITDA in this area increasing by 32% in 2025, and the acquisition of Credia is expected to add around 20,000 merchants [4][14] - A business review initiated with an external consulting partner is expected to yield about $40 million in annual run-rate benefits, with a portion aimed at expanding Money Transfer operating margins by 50 to 75 basis points in 2026 [12][13] Digital Expansion - The company is expanding its digital offerings, including partnerships with fintechs and the launch of new products in various markets, such as the Ria app in Greece, Romania, and the Czech Republic [17][20] - Euronet's epay segment is diversifying its distribution channels and has seen strong performance in gaming-related branded payments, which constitute 37% of total branded payments margin [16][19]

Robinhood ( HOOD ) reported its 4Q25 after the bell on Tuesday. Heading into print, the stock was falling out of market favor, having shed almost 32% of its value YTD and dropping from highs of $153.86 to $76.81. The quarter's resultsWe’re a team of former technology engineers who turned our passion for the sector into an investing edge. With over 40 years of combined experience, we’ve learned that individual investors often don’t get access to the same depth of research as institutions.That’s why we create ...

Core Insights - SS&C Technologies Holdings, Inc. is recognized as the sixth best strong buy tech stock to invest in [1] - Needham has lowered its price target for SS&C from $105 to $95 while maintaining a Buy rating, highlighting the company's strong performance in revenue and earnings [2] - The company reported record Q4 results with $1.655 billion in revenue, $1.69 EPS, and $651 million EBITDA, driven by outsourcing, Calastone integration, and artificial intelligence [3] Company Overview - SS&C Technologies is a U.S. financial and healthcare technology company that provides software and software-enabled services for investment management, fund administration, accounting, reporting, and healthcare operations [4] Growth Drivers - Major growth drivers for SS&C include robust cash flow, above 100% conversion rates, and a focus on share repurchases, alongside the integration of Calastone and advancements in artificial intelligence [3]

Fourth Quarter and Full-year 2025 Earnings | | | Forward-looking Statements This presentation may contain statements that are not historical information and are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements give current expectations or forecasts of future events and are not guarantees of future performance. These forward-looking statements include, but are not limited to, projections, statements regarding the Company's exp ...

Core Insights - Fiserv has launched INDX, a real-time cash settlement platform designed for digital asset companies to securely store and transfer US dollars 24/7, benefiting from up to $25 million of FDIC insurance [1][8] Group 1: INDX Platform Features - INDX allows digital asset companies to utilize a single custodial account, enhancing security and durability for USD transactions [1] - The platform redefines fiat operations by distributing funds across the Fiserv Deposit Network, which includes over 1,100 insured US-based financial institutions, ensuring cash remains securely off-chain while enabling real-time settlement [2] - INDX provides institutional-grade accounts that allow for faster transfers, with transactions completed in milliseconds and available instantly in USD [8] Group 2: Benefits for Community Banks and Credit Unions - The diversified deposit sources managed by INDX create a new pipeline of cost-efficient, stable, and granular deposits for community banks and credit unions within the Fiserv Deposit Network [3] - The strategic acquisition of StoneCastle by Fiserv enhances its offerings for innovative deposit funding solutions, aligning with the needs of digital asset companies [5] Group 3: Strategic Vision and Market Position - Fiserv's Co-President highlighted that INDX represents a significant advancement in providing a settlement engine for digital asset companies, enabling faster, more secure, scalable, and programmable transactions [4] - The platform is designed to meet the needs of institutional traders, offering programmability through real-time API access and institutional-grade controls [8]

Group 1 - LSEG plans to develop an on-chain settlement service called the LSEG Digital Securities Depository to connect traditional and digital securities markets [1] - The service will facilitate trading and settlement of tokenized bonds, equities, and private market assets across multiple blockchain networks while remaining compatible with existing settlement platforms [1] - The first deliverable under this system is expected in 2026, pending regulatory approval [3] Group 2 - LSEG is under pressure from activist investor Elliott Management, which has acquired a stake in the company and is advocating for changes due to a more than 35% decline in the company's shares over the past year [2] - The company's stock has been affected by a broader selloff of global software stocks related to AI concerns, although it saw a slight increase of 0.9% on Thursday [2] Group 3 - Major British banks and financial institutions, including Barclays, Lloyds, NatWest Markets, Standard Chartered, and Brookfield, have expressed support for LSEG's initiative [4] - The initiative aims to create an ecosystem that allows participants to seamlessly transition between digital and traditional markets, accommodating various time zones and payment options [3]

Table of Contents As filed with the Securities and Exchange Commission on February 12, 2026 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 5 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Clear Street Group Inc. (Exact Name of Registrant as Specified in Its Charter) (State or Other Jurisdiction of Incorporation or Organization) Delaware 6211 86-2376416 (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) ...

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Core Insights - Diebold Nixdorf reported significant growth in revenue and adjusted EBITDA for the fiscal year 2025, with free cash flow more than doubling compared to the previous year [1] Financial Performance - The company executed a new $200 million share repurchase program after completing an initial $100 million program in Q4 2025, repurchasing approximately $128 million of shares, which is about 6% of the total shares outstanding for FY 2025 [1] - Adjusted EPS more than doubled year-over-year [1] - Free cash flow reached a record high, more than doubling year-over-year [1] - Order entry grew by 17%, while revenue growth was approximately 2% year-over-year [1] Future Outlook - Diebold Nixdorf established a new financial outlook for 2026, which exceeds the previous targets provided during the 2025 Investor Day [1]

Core Insights - Bill Holdings is considering a sale following pressure from activist investors for significant changes and improved profitability [1][2] Group 1: Activist Investors and Board Changes - In October, Bill Holdings agreed to add four new directors to its board, including two from activist hedge fund Starboard Value, which holds an 8.5% stake [2] - Elliott Investment Management, another activist investor, acquired at least a 5% stake last year to advocate for changes at Bill [2] - Barington Capital Group urged Bill's directors to cut costs and seek a buyer [2] Group 2: Potential Acquisition - Private equity firm Hellman & Friedman has reportedly held discussions about acquiring Bill [3] - The new board members will influence whether Bill pursues an independent strategy or opts for a sale [3] - A financial investor, likely a private equity firm, is seen as the most probable buyer due to recent interest in financial technology assets [6] Group 3: Company Performance - Bill Holdings serves approximately 498,500 businesses, including 9,500 accounting firms, and processes about 1% of the U.S. GDP annually [5] - The company reported a net loss of $2.6 million for the quarter ending December 31, contrasting with a profit of $33.5 million in the same period of 2024, while revenue increased by 14% to $414.7 million [5] Group 4: Industry Context - Recent acquisitions in the payments sector include AvidXchange's $2.2 billion deal and Melio's $2.5 billion acquisition by Xero, indicating a trend of consolidation in the financial technology space [6][7]