Core Viewpoint - Block, Inc. (NYSE:XYZ) is experiencing strong momentum in its Square and Cash App segments, leading to a bullish outlook from UBS analyst Timothy Chiodo, who has set a price target of $90 and reiterated a "Buy" rating [2]. Group 1: Financial Performance and Projections - Despite seasonal trends indicating a potential deceleration in Gross Payment Volume (GPV), Block, Inc. has maintained its Q4 2025 outlook, which suggests robust growth in gross profit and adjusted operating income [3]. - The company projects mid-teens annual gross profit growth through 2028, aiming to reach $15.8 billion, alongside approximately 30% annual growth in adjusted operating income and adjusted EPS [5]. - By 2028, non-GAAP cash flow is expected to reach 25% of gross profit, translating to over $4.0 billion on a non-GAAP cash flow basis [5]. Group 2: Growth Drivers - The Cash App ecosystem is identified as a key growth driver, with management projecting a mid-teen gross profit CAGR over the next three years, supported by rising active users and enhanced monetization strategies [4]. - The Square ecosystem is also expected to scale further domestically and internationally, driven by investments in telesales and field sales [3]. Group 3: Strategic Initiatives - Block, Inc. has increased its share repurchase program by $5 billion, reflecting management's confidence in the company's financial trajectory [6]. - The company is leveraging Artificial Intelligence (AI) to enhance its technology offerings across various platforms, including Square, Cash App, Afterpay, Bitkey, and Proto, thereby supporting global commerce and financial services [6].

Core Insights - Dave Inc.'s shares have surged 126.6% year-to-date, significantly outperforming the industry growth of 25.2% and the Zacks S&P 500 Composite's 20.1% rise [1] - Over the past year, Dave's stock has increased by 129%, while its peers Parsons and VerifyMe have seen declines of 30.9% and 15.7%, respectively [4] Financial Performance - The company's average 28-day delinquency rate decreased by 7 basis points to 2.33%, indicating improved financial health [5] - Revenue increased by 63% year-over-year, driven by effective credit risk mitigation through the CashAI engine [5] - Adjusted net income surged by 193% year-over-year, with customer acquisition costs maintained at $19 [6] - Revenue guidance for the full year was raised to $544-$547 million from $505-$515 million, and adjusted EBITDA guidance was increased to $215-$218 million from $180-$190 million [6] Profitability and Liquidity - Dave's return on equity (ROE) stands at 77.8%, significantly higher than the industry average of 15.3% [8] - The return on capital invested (ROIC) is 48.8%, compared to the industry average of 7.6% [8] - The current ratio improved to 8.7 from 6.81 year-over-year, well above the industry average of 1.58, indicating strong liquidity [10] Valuation Metrics - Dave trades at 14.13 times forward 12-month EPS, below the industry average of 27.2 times [12] - The trailing 12-month EV-to-EBITDA ratio is 17.56, also below the industry average of 18.86, suggesting undervaluation [12] Growth Prospects - The Zacks Consensus Estimate for 2025 revenues is $546.1 million, reflecting a 57.3% increase from the previous year [14] - Earnings per share for 2025 are estimated at $12.96, indicating a 147.3% increase from the prior year [14] - Analysts have revised EPS estimates upward for both 2025 and 2026, with a 24.7% increase for 2025 and a 12% increase for 2026 [15]

absorbed or delayed a significant share of arbitrage opportunities over the past year.†LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz announces that a class action lawsuit has been filed on behalf of shareholders who purchased DeFi Technologies Inc. ("DeFi†or the "Company†) (NASDAQ: DEFT) securities between May 12, 2025 and November 14, 2025, inclusive (the "Class Period†). DeFi investors have until January 30, 2026 to file a lead plaintiff motion. Law Offices of Frank R. Cruz Encourag ...

Core Insights - The Federal Reserve has reduced the benchmark interest rate by 25 basis points to a range of 3.5-3.75%, marking a total reduction of 75 basis points in 2025 after a 1% cut in 2024, and will begin purchasing $40 billion in Treasury Bills [1] Group 1: Fintech Sector Performance - The fintech sector's performance is inversely related to interest rate movements, benefiting from a low-interest-rate environment which supports technological improvement and product innovation [2] - The expansion of mobile and broadband networks, along with advancements in AI and machine learning, positions fintech for significant growth, enhancing banking, payments, and investment solutions [3] Group 2: Recommended Fintech Stocks - Five mid-cap fintech stocks are recommended for investment: EVERTEC Inc. (EVTC), Enova International Inc. (ENVA), LendingClub Corp. (LC), OppFi Inc. (OPFI), and Bread Financial Holdings Inc. (BFH), all of which have favorable Zacks Ranks [4][9] - These stocks are expected to benefit from the Fed's rate cut, with improved earnings estimates for the upcoming year amid growing fintech demand [9] Group 3: Company-Specific Insights - **EVERTEC Inc. (EVTC)**: Engaged in transaction processing primarily in Latin America and the Caribbean, with expected revenue and earnings growth rates of 5.3% and 4% respectively for next year [7][10] - **Enova International Inc. (ENVA)**: Provides online financial services with expected revenue and earnings growth rates of 15.8% and 10.5% respectively for next year [11][12] - **LendingClub Corp. (LC)**: Offers an online marketplace for loans, with expected revenue and earnings growth rates of 13.2% and 35.7% respectively for next year [13] - **OppFi Inc. (OPFI)**: Provides a financial technology platform for consumer credit access, with expected revenue and earnings growth rates of 9.1% and 8.6% respectively for next year [14] - **Bread Financial Holdings Inc. (BFH)**: Focuses on personalized financial solutions, with expected revenue growth of 3.3% and a decline in earnings of -9.6% for next year [15][17]

Mairs & Power, an investment advisor, released the third-quarter 2025 investor letter for the “Mairs & Power Balanced Fund.” A copy of the letter can be downloaded here. As we move into 2025, the market’s concentration persists, with a few dominant mega-cap stocks tied to artificial intelligence (AI) driving most of the favorable outcomes. The fund returned 6.47% in the first nine months of 2025. The fund underperformed the benchmark composite indexes (60% S&P 500 Total Return Index and 40% Bloomberg U.S. G ...

Industry Recognition - The company has won 'Best Blockchain-Based Solution' at the MENA Fintech Awards [1] Strategic Partnership - The company has a world-first agreement with Dubai Finance [1] - The agreement facilitates government service fee payments using digital assets [1] Technological Advancement - This represents the first comprehensive and holistic Government-wide implementation of payment digitization [1] Regional Leadership - The UAE is reinforced as a global leader in financial innovation [1]

DENVER, Dec. 10, 2025 (GLOBE NEWSWIRE) -- Ovanti US Inc, a subsidiary of Ovanti Limited (ASX: OVT), announced the upcoming United States launch of Flote. Flote uses verified income and real cashflow insights rather than credit scores to determine eligibility for deferred payments. Flote allows shoppers to pay over time with no interest, no hidden fees and no revolving balances. The product is built for debit first households who are typically left without safe flexibility at checkout because financial ident ...

Core Insights - Atlanticus Holdings Corporation has successfully refinanced a $750 million term securitization, achieving a reduction of over 200 basis points in the coupon rate compared to the previous bonds [1][2] - The refinancing is part of Atlanticus's strategy to reduce costs and enhance the reach of its Mercury brand, aiming to empower more everyday Americans [2] - The company has a strong operational history, having serviced over 20 million customers and managed $48 billion in consumer loans over 25 years [3] Company Overview - Atlanticus is a financial technology company that partners with banks, retailers, and healthcare providers to offer inclusive financial services [3] - The company utilizes proprietary technology and analytics to support a range of consumer loan products, including private label credit and general-purpose credit cards [3] - Atlanticus also operates an Auto Finance subsidiary that caters to automotive dealers and non-prime financial organizations with various financing and service programs [3]

calls of the day. We start today with Regeneron. Top pick for 2026.800 bucks is the price target at Wolf. Jenny, you own the stock. >> We sure do.We've owned it for a long time. And it's interesting that this is their top pick because it really like follows on what Joe was saying about what's outperforming today. It follows on what Liz was saying about what about value doing well into 2026.So here you've got a company that trades at 16 1.5% times earnings, has a 5% free cash flow yield. They've got 20% earn ...

Summary of Gen Digital FY Conference Call Company Overview - **Company**: Gen Digital (NasdaqGS:GEN) - **Industry**: Cybersecurity and Financial Wellness - **Key Brands**: Norton, Avast, LifeLock, Moneyline Core Points and Arguments 1. **Business Model and Customer Base**: Gen Digital is a leader in cybersafety with approximately 77 million paid customers and 200 million active users on its platform, protecting 500 million endpoints [11][12][14] 2. **Strategic Shift**: The company is transitioning from a focus solely on cybersafety to include financial wellness, addressing the needs of consumers who want to protect and improve their financial positions [13][14] 3. **Market Insights**: About two-thirds of U.S. consumers live paycheck to paycheck, and half of financial products are purchased outside their primary bank, indicating a significant market opportunity for embedded financial wellness solutions [13][14] 4. **Acquisition of Moneyline**: The acquisition of Moneyline, which has seen nearly 50% growth in the first half post-acquisition, is a strategic move to enhance Gen's offerings in financial wellness [19][20][26] 5. **Financial Performance**: In Q2, Gen Digital reported a 25%-27% growth in bookings and revenue, with strong margins and eight consecutive quarters of double-digit EPS growth [19][20][54] 6. **Future Growth Projections**: The company expects to maintain a 30% growth rate for Moneyline, leveraging its existing customer base to drive further growth [41][54] Additional Important Insights 1. **Integration of Services**: Gen Digital is integrating financial wellness into its existing cybersecurity services, creating a comprehensive platform that addresses both security and financial needs [34][43] 2. **Marketplace Growth**: The Engine, a marketplace for financial products, has been growing over 50% for three consecutive quarters, indicating strong demand for integrated financial solutions [26][27] 3. **Customer Engagement**: The company is focused on enhancing customer experience through AI-driven insights and personalized offerings, which are expected to drive higher engagement and retention [44][45] 4. **Cost Synergies**: Gen Digital has successfully integrated Moneyline, improving its operating margins from 14%-15% to 20%-22% in recent quarters, showcasing effective cost management post-acquisition [62][63] 5. **Revenue Synergies**: The company is exploring cross-selling opportunities within its existing customer base, aiming to enhance overall revenue through bundled offerings [58][61] Conclusion Gen Digital is strategically positioning itself at the intersection of cybersecurity and financial wellness, leveraging its extensive customer base and recent acquisitions to drive growth and enhance shareholder value. The company is optimistic about future performance, with a strong focus on integrating services and improving customer engagement.