"We see a lot of demand for L2s from banks, fintechs and enterprises but most can't built on a public chain due to privacy and compliance reasons"@gluk64, at the recent @EFDevcon, commenting on Ethereum's L2 roadmap and the PMF signs of specialized chains. https://t.co/IKmFYcJS4z ...

Core Insights - Michael Burry, known for his bearish investment approach, has recently identified four stocks he believes could be beneficial for long-term investors, including Lululemon and Fannie Mae, as well as a notable fintech company, Shift4 Payments [2] Company Overview - Shift4 Payments, founded in 1999, is an integrated payments and commerce technology company that offers payment processing, point-of-sale and commerce software/hardware, payment gateway services, and vertical solutions for various sectors [3] - The company has a market capitalization of $6.5 billion and has experienced a year-to-date stock decline of 29.5% [3] Financial Performance - Despite a challenging 2025 in terms of share price, Shift4 Payments' stock has more than doubled since its listing in June 2020 [5] - The company has reported revenue and earnings compound annual growth rates (CAGRs) of 27.86% and 89.10%, respectively, over the past three years [5] - In Q3 2025, Shift4 Payments reported gross revenues of $1.18 billion, reflecting a year-over-year growth rate of 29.4%, although this was below market expectations [6] - Earnings per share (EPS) for the same period were $1.47, which exceeded the consensus estimate of $1.45, marking a slower growth of 5.8% year-over-year [6] Revenue Breakdown - Payments-based revenue, which constitutes nearly 90% of Shift4's overall revenues, reached $1.06 billion, representing a 31.1% increase from the previous year [7] - Subscription revenues increased to $118.9 million from $102.4 million in the year-ago period [7]

Core Insights - SoFi Technologies has experienced a significant share price increase of over 118% in the past six months, driven by strong financial performance and rapid member growth [1][4] - The company is diversifying its revenue streams towards capital-light sources, reducing reliance on interest income and credit risk, while maintaining a healthy lending division [2][4] - Despite the positive momentum, SoFi's stock is currently trading above the average analyst price target of $27, indicating high expectations that may be difficult to sustain [3] Financial Performance - SoFi added 905,000 new members in the most recent quarter, resulting in a 35% year-over-year increase to a total of 12.6 million members [5] - The number of financial products used by customers rose by 36% year-over-year to 18.6 million, with approximately 40% of new products coming from existing members, indicating strong cross-buying [5] - The increase in product density is expected to enhance lifetime revenue per member and reduce customer acquisition costs [5] Revenue Diversification - The company is shifting towards technology platform fees and financial services income, which are less capital-intensive and lower credit risk [2] - SoFi's strong deposit base supports its lending division, helping to keep funding costs lower [2] Growth Outlook - The company has multiple growth catalysts and a solid funding structure, but maintaining the current growth momentum may become challenging as year-over-year comparisons become tougher [3][4]

Core Insights - Klarna Group plc has launched Tap to Pay in 14 European markets, enhancing its flexible-payment ecosystem in physical retail, addressing the fact that over 80% of European shopping occurs in stores [1][3] - The Klarna Card has gained significant traction, with over 4 million users and acceptance at more than 150 million merchant locations globally, indicating strong customer engagement [2] - Klarna's user base has reached 114 million active users, with 3.4 million daily transactions, showcasing the effectiveness of its product innovations [2] Expansion and Performance - The 14 European countries where Tap to Pay has been introduced include Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Spain, and Sweden [3] - In the U.S., Klarna reported a record Black Friday performance, with gross merchandise volume increasing by 45% year-over-year from November 1 to November 28, driven by strong sales in footwear, technology, beauty, and home goods [4] - Klarna is facing increasing competition from companies like Affirm and PayPal, which are expanding their offerings and market presence [5][6] Financial Metrics and Valuation - Klarna's stock has seen a decline of 19.6% over the past month, underperforming the broader industry, which fell by 0.4% [7] - The company trades at a forward price-to-earnings ratio of 72.22X, significantly higher than the industry average of 20.37X, and has a Value Score of D [9] - The Zacks Consensus Estimate predicts a loss of 57 cents per share for Klarna in 2025, with an expected improvement of 188.5% in the following year [9][10]

Core Insights - Aether Holdings, Inc. is participating in Benchmark's 14th Annual Discovery One-on-One Conference to engage with institutional investors and showcase its expanding product ecosystem [1][2][4] - The company aims to highlight its AI-powered market-sentiment platform SentimenTrader, advanced charting and analytics suites, and its digital media network Alpha Edge Media [2][3] - Aether's CEO emphasized the importance of the conference for sharing progress in AI and automation capabilities across analytics and media [3] Company Overview - Aether Holdings, Inc. is a financial technology holding company focused on enhancing how investors access, analyze, and act on market information [5] - The company combines advanced analytics, data science, and user-centric design to provide solutions for both individual and institutional investors [5] - Aether's platforms deliver real-time insights and comprehensive trend analysis, helping investors identify opportunities and manage risks [6] Strategic Initiatives - Participation in the Benchmark Conference aligns with Aether's initiatives to broaden investor engagement and strengthen capital-markets visibility [4] - The company is positioning itself as an emerging leader in AI-driven financial technology [4] - Aether is dedicated to enhancing the investing experience through innovation, transparency, and thought leadership [7]

Core Insights - Aether Holdings, Inc. is participating in Benchmark's 14th Annual Discovery One-on-One Conference to engage with institutional investors and showcase its expanding product ecosystem [1][2][4] Company Overview - Aether Holdings, Inc. is a financial technology holding company focused on enhancing how investors access, analyze, and act on market information through advanced analytics and user-centric design [5] - The company aims to provide solutions that empower both individual and institutional investors to make informed decisions [5] Product Ecosystem - Aether's product offerings include: - SentimenTrader, an AI-powered market-sentiment platform - Aether Grid, advanced charting and analytics suites - Alpha Edge Media, a digital media network delivering real-time insights and trend analysis [2][3] - These platforms are designed to convert complex financial data into practical guidance, helping investors identify opportunities and manage risks [6] Strategic Goals - The participation in the Benchmark Conference aligns with Aether's initiatives to broaden investor engagement and enhance capital-markets visibility [4] - The company is focused on scaling its AI and automation capabilities across analytics and media, aiming to reinforce its position as a leader in AI-driven financial technology [3][4]

Core Viewpoint - LexinFintech Holdings (LX) reported a mixed quarter, reflecting ongoing impacts from recent regulatory changes [1] Financial Performance - The company has maintained a bullish outlook despite the challenges faced in the current quarter [1] Regulatory Environment - Recent regulatory changes have had lingering effects on the company's performance [1]

Core Insights - Block, Inc. processed over 124 million transactions during the Black Friday to Cyber Monday shopping period, marking a 10% increase year-over-year as consumers shifted towards supporting local businesses [1][2][4] Transaction Data - The total volume of transactions during the Black Friday and Cyber Monday weekend reached $13 million, with 469,000 transactions recorded [5] - Approximately 49.8 million unique consumers engaged with Block's platforms, including Square, Cash App, and Afterpay, serving over 1.3 million businesses [4][11] Consumer Behavior Trends - Midtown Atlanta emerged as a key area for local loyalty, with 57,900 repeat customers and 469,000 local transactions [4] - Gift card spending reached $33.5 million, driven by consumers seeking a less stressful shopping experience [4] - Social media purchases via Cash App Card increased by 13% among younger consumers [4] Economic Impact - Cash App Card holders increased their local spending by 25%, indicating stronger engagement with neighborhood businesses [11] - The average buy now, pay later (BNPL) basket size grew by 10%, suggesting consumers are purchasing more items per transaction [11] - Year-over-year growth in spending categories included services at 91%, home and garden at 23%, and travel and experiences at 13% [11] Company Strategy - Block's integrated ecosystem of Square, Cash App, and Afterpay is designed to connect local businesses with digital-first consumers, fostering local economic growth [3][6]

Group 1: Klarna Group PLC - Klarna reported third-quarter losses of 25 cents per share, beating the market estimate of a 33-cent loss [1] - The company reported quarterly revenue of $903 million, exceeding the market estimate of $881.898 million [1] - For the fourth quarter, Klarna set revenue guidance of $1.065 billion to $1.08 billion, compared to the $1.058 billion estimate [2] - Klarna shares fell 4.6% to settle at $30.04 on Monday [5] Group 2: Affirm Holdings Inc - Jim Cramer recommended buying Affirm Holdings Inc [1] - Affirm shares declined 2.7% to close at $69.06 [5] Group 3: Newmont Corporation - Newmont posted third-quarter revenue of $5.52 billion, beating analyst estimates of $5.18 billion [3] - The company reported third-quarter adjusted earnings of $1.71 per share, surpassing analyst estimates of $1.42 per share [3] - UBS analyst Daniel Major maintained a Buy rating for Newmont and raised the price target from $105.5 to $125 [2] - Newmont shares gained 1.2% to settle at $91.83 on Monday [5]

RT Bloomberg em Português (@BBGEmPortugues)CINCO ASSUNTOS - Tarcísio de Freitas reduz distância contra Lula em eventual segundo turno de 2026, movimento que ocorre enquanto a aprovação do presidente recua, segundo nova pesquisa AtlasIntel. Senado discute aumento de tributos sobre bets e fintechs https://t.co/j76LRKiEuH ...