Key Points Upstart is approving more loans as interest rates decline. Nu’s growth is cooling off and its near-term expenses are rising. Both companies are well-managed, but one stock has more room to run. 10 stocks we like better than Upstart › Upstart Holdings (NASDAQ: UPST) and Nu Holdings (NYSE: NU) are both innovative fintech companies that are shaking up traditional financial institutions. Upstart uses AI to analyze non-traditional data points (like GPAs, standardized test scores, and previo ...

Fiserv (NYSE:FI) Q3 2025 Earnings Call October 29, 2025 08:00 AM ET Speaker0Welcome to the Fiserv third quarter 2025 earnings conference call. All participants will be in a listen only mode until the question and answer session begins following the presentation. As a reminder, today's call is being recorded. At this time, I will turn the call over to Julie Chariell, Senior Vice President of Investor Relations at Fiserv. Thank you and good morning. With me on the call today are Mike Lyons, our Chief Executiv ...

By Arasu Kannagi Basil (Reuters) -Fiserv's shares plummeted nearly 42% on Wednesday and were set for a record single-day drop after the payments software company reported results below estimates and cut its growth forecast for the second consecutive quarter, with analysts calling the earnings "shockingly bad". The disappointing earnings highlight growing pressure on the fintech's core payments and merchant business, which has struggled to maintain momentum amid fierce competition and a slowdown in consum ...

Oct 29, 2025 7:01 AM Eastern Daylight Time Fiserv Reports Third Quarter 2025 Results Share GAAP revenue growth of 1% in the quarter and 5% year to date;GAAP EPS increased 49% in the quarter and 29% year to date;Organic revenue growth of 1% in the quarter and 5% year to date;Adjusted EPS decreased 11% in the quarter and increased 6% year to date;Company now expects 2025 organic revenue growth of 3.5 to 4%and adjusted EPS of $8.50 to $8.60Launches One Fiserv action plan to prioritize and enhance client focusa ...

This story was originally published on Payments Dive. To receive daily news and insights, subscribe to our free daily Payments Dive newsletter. Buy now, pay later providers Klarna Group, Affirm Holdings and Afterpay are encroaching on some of the services traditionally offered by banks, such as debit cards and deposit accounts. The companies are using BNPL as a gateway to offer more products to customers and make themselves a one-stop shop for payments and financial services. This strategy widens their con ...

Core Insights - SoFi Technologies reported record adjusted net revenue of nearly $950 million for the third quarter, alongside significant membership and product growth, with shares increasing by 40% over the last three months [1][2] Membership and Product Growth - SoFi added 95,000 new members in the last quarter, bringing the total membership to 12.6 million, and recorded new products reaching a total of 18.6 million [2][4] - The growth in product usage is outpacing member growth, indicating that members are utilizing multiple products [5] Loan Origination and Consumer Sentiment - Total loan origination reached a record high of $9.9 billion, up 57% year-over-year, with personal loan originations also hitting an all-time high of $7.5 billion [6][8] - The company targets prime and super-prime customers, and current members are performing well with improved payment behaviors and declining net charge-offs [9] Economic Outlook - The CEO expressed confidence in consumer strength, suggesting that significant economic deterioration would be required to impact consumer sentiment negatively [13][15] - Current trends indicate strong consumer spending, with no signs of credit deterioration observed [10][12] Product Innovations - SoFi launched SoFi Pay, enabling international money transfers via a layer 2 blockchain, with plans to expand to more regions [17][18] - The company will re-enter the cryptocurrency market by offering buy, sell, and hold services for cryptocurrencies by the end of the year, becoming the first national bank in the U.S. to do so [19][20] Investment Offerings - SoFi introduced options level one for members, allowing them to engage in covered calls and cash-secured puts, enhancing their investment strategies [21][24] - The company aims to provide a diversified investment experience, including single stocks, fractional shares, and various ETFs, catering to member requests for new products [22][24]

Core Viewpoint - Financial stocks have generally performed well this year, but some companies face specific challenges that may lead to further declines in their stock prices [1][2]. Group 1: Chime Financial - Chime Financial went public in June with an IPO price of $27 per share, debuting at $43, but has since fallen to around $19 per share [4][5]. - The company is expected to reach near-breakeven by 2026, with losses per share projected to decrease from $4.24 to $0.28 [5]. - Chime's current market cap is $7 billion, and failure to meet profitability expectations could lead to a significant de-rating of its shares [7]. Group 2: Progressive - Progressive's shares dropped after reporting lower-than-expected earnings due to a mandated rebate to Florida customers, stemming from excess underwriting profits [8][9]. - Increased competition in the insurance market may further pressure Progressive's pricing and economic moat, leading to a potential valuation drop [9][11]. - Currently, Progressive trades at around 15 times forward earnings, which is higher compared to peers like Allstate, trading at less than 10 times [11]. Group 3: Upstart Holdings - Upstart Holdings has seen a decline in its stock price, primarily due to concerns following the bankruptcy of Tricolor, a subprime auto lender, raising fears about consumer lending performance [12][13]. - Although Upstart licenses AI-based loan underwriting technology and originates loans for resale, a downturn in the consumer lending market could negatively impact its revenue [13][15]. - Trading at 39 times forward earnings, any downward revision of growth expectations could lead to further declines in Upstart's stock price [15].

Group 1 - Fintech companies are revolutionizing consumer finance by enabling the movement of large sums of money without the need for traditional bank branches [1] - These companies have significantly reduced the historical barriers to entry in the financial services sector, allowing for greater accessibility and efficiency [1] Group 2 - The article highlights the author's extensive experience in investment analysis, particularly focusing on deep-discount value plays and underappreciated companies [1] - The author's investment philosophy is influenced by contrarian strategies, aiming to identify companies that can return value to investors [1]

【环球网财经综合报道】日前，韩国央行表示，鉴于稳定币存在各种风险因素，应在国家监管下通过传统银行发行； 韩国政府正考虑推出与韩元挂钩的稳定币，以实现金融体系现代化，遏制资本外流。 另一方面，日本初创公司JPYC宣布正式发行日本首个以日元计价的稳定币"JPYC"，可完全兑换为日元并由国内储蓄 和日本国债作为支持。 美联社日前报道称，作为全球领先的金融科技展览和金融科技交易的中心，FXC Intelligence近日发布报告提出，行业 领导者预计未来将更快、更复杂，且融入稳定币，稳定币将推动全球资金流动发生"重大变化"。 FXC Intelligence的首席执行官Daniel Weber说："数据明确显示行业正在拥抱互操作性，80%的人认为这非常重要，在 这个新时代的赢家将是那些掌握API驱动的连接和协作，以无缝整合传统、实时和稳定币轨道的公司。" ...

Core Insights - PayPal is experiencing significant growth in transactions and customer base, indicating a shift from traditional credit card companies and banks [2][3] - The integration of Open AI with PayPal presents a substantial opportunity, potentially accessing around 200 million users on ChatGPT [9] - The buy now pay later (BNPL) model is expanding into various sectors such as travel, dental, and medical services, reflecting consumer demand for flexible payment options [4][5] Company Performance - PayPal's stock performance has been mixed, with a decline of approximately 7% over the past year, while SoFi has seen a dramatic increase of over 100% year-to-date [6][10] - Despite the recent positive news, PayPal's stock has not performed well historically, suggesting potential contrarian investment opportunities [7] Consumer Behavior - Consumers are increasingly utilizing BNPL services as a response to inflation, high interest rates, and credit card debt, providing predictability in payments [4][5] - Credit card delinquencies have leveled off, with banks not overly concerned about repayment issues, indicating a stable job market despite high average interest rates around 20% [12][13] Industry Trends - The fintech space, particularly BNPL, is witnessing aggressive competition and growth, with companies like PayPal and SoFi positioning themselves as super apps to cater to diverse consumer needs [15][18] - There remains a significant amount of commerce still conducted through traditional payment methods, suggesting further growth potential for digital payment solutions [19]