Core Viewpoint - Shift4 Payments (FOUR) is showing a significantly improving earnings outlook, making it an attractive option for investors as analysts continue to raise their earnings estimates for the company [1][2]. Earnings Estimate Revisions - Analysts' optimism regarding Shift4 Payments' earnings prospects is leading to higher estimates, which is expected to positively impact the stock price [2]. - The Zacks Rank system indicates a strong correlation between earnings estimate revisions and stock price movements, with Zacks 1 Ranked stocks averaging a +25% annual return since 2008 [3]. - For the current quarter, the earnings estimate is $1.33 per share, reflecting a +38.54% change from the previous year, with a 12.77% increase in the Zacks Consensus Estimate over the last 30 days [5]. - For the full year, the expected earnings are $5.46 per share, representing a +40.36% change from the prior year, with a 17.27% increase in the consensus estimate due to seven upward revisions against one downward revision [6][7]. Zacks Rank and Performance - Shift4 Payments has achieved a Zacks Rank 2 (Buy) due to favorable estimate revisions, indicating strong potential for stock performance [8]. - Stocks with Zacks Rank 1 (Strong Buy) and 2 (Buy) have been shown to significantly outperform the S&P 500 [8]. Stock Performance - The stock has gained 13.6% over the past four weeks, driven by solid estimate revisions, suggesting that its earnings growth prospects may lead to further increases in stock value [9].

Group 1: Mastercard - Mastercard has delivered significant returns, more than doubling investors' money in five years and generating 6x returns in ten years [4] - The company processed transactions worth $9.8 trillion in 2024 and has 1.1 billion cards in circulation worldwide [5] - In Q1, Mastercard's revenue grew by 14% year over year, driven by cross-border volume growth of 15%, with an operating margin of 57.2% [7] - The company is innovating with technologies like artificial intelligence, positioning itself well in the shift from cash to digital payments [8] Group 2: Waste Management - Waste Management has generated nearly 50% in total returns over three years, 160% over five years, and 470% over ten years [9] - The company expanded its business by acquiring Stericycle, expecting $250 million in synergies through 2027, which is double its original expectations [11] - Waste Management is focusing on scaling its core operations through acquisitions and has a robust pipeline of opportunities [12] - The company has increased its dividend for 22 consecutive years, demonstrating a commitment to shareholder returns [13] Group 3: BYD - BYD has surpassed Tesla in sales volumes and revenue, becoming the world's largest EV maker with over $100 billion in revenue in 2024 [15] - The company's net income jumped 100% year over year in Q1, indicating strong financial performance [15] - BYD is one of the largest battery manufacturers globally, providing a competitive advantage in costs and supply [17] - The company is expanding rapidly, entering new markets and opening showrooms, which positions it for continued growth [17][18]

今天分享的是：2024年放眼支付之外：跨境结账变革数字化趋势研究报告（英文版） 报告共计：32页 《2024年放眼支付之外：跨境结账变革数字化趋势研究报告（英文版）》探讨了亚太地区数字支付领域的新趋势。核心观点 为：亚太地区在数字支付领域处于全球领先地位，支付创新推动了经济的包容性增长和数字化转型，公私合作对于支付互联互 通至关重要，数字钱包正朝着提供多元化服务的方向发展。 1. 数字支付变革：数字钱包在全球迅速发展，亚太地区支出占全球近三分之二，数字钱包渗透率最高。2023年，亚太地区数字 钱包在电商和线下交易中均占主导地位，其便捷性和安全性受消费者青睐。此外，数字钱包市场吸引众多行业参与者，推动支 付创新。 2. 公私合作推动支付互联互通：随着跨境商务和旅游的发展，支付互联互通成为关键。公私部门合作升级数字支付基础设施， 如推出开放银行法规、实时支付系统和标准化二维码。东南亚地区建立了二维码支付生态系统，促进了区域内的支付互联互 通。 3. 数字钱包拓展服务：为适应全渠道购物趋势，数字钱包演变为超级应用，集成多种第三方服务。超级应用简化购物流程，通 过数据分析提供个性化体验，推动零售行业的全渠道转型。像印 ...

Core Viewpoint - Mastercard reported strong first-quarter 2025 results, with adjusted earnings per share of $3.73, exceeding estimates by 4.5% and showing a 13% year-over-year improvement [1][2]. Financial Performance - Net revenues increased by 14% year over year to $7.3 billion, surpassing the consensus estimate by 1.8% [1][2]. - Adjusted operating income grew 15% year over year to $4.3 billion, beating estimates of $4.1 billion, with an adjusted operating margin improvement of 50 basis points to 59.3% [7]. Operational Metrics - Gross dollar volume rose 9% on a local-currency basis to $2.4 trillion, although it missed the consensus estimate by 2.6% [3]. - Cross-border volumes increased by 15% on a local currency basis, while switched transactions improved 9% year over year to 40.1 billion, missing the consensus mark of 40.3 billion [4]. Value-Added Services - Net revenues from value-added services and solutions reached $2.8 billion, a 16% year-over-year increase, but fell short of estimates by 1.4% [5]. Expenses and Incentives - Adjusted operating expenses rose 13% year over year to $3 billion, driven by higher general, administrative, and marketing costs [6]. - Payment network rebates and incentives increased by 12% year over year due to new and renewed deals [6]. Cash Flow and Capital Deployment - Cash flows from operations were $2.4 billion in Q1 2025, up from $1.7 billion in the prior year [9]. - The company repurchased 4.7 million shares for $2.5 billion in the first quarter and paid out $694 million in dividends [10]. Financial Position - As of March 31, 2025, cash and cash equivalents were $7.6 billion, down from $8.4 billion at the end of 2024, while total assets increased to $48.5 billion [8]. Future Guidance - Management projects mid-teens growth in adjusted net revenues for Q2 2025 and low-teens growth for the full year [11][12].

Wall Street analysts expect Corpay (CPAY) to post quarterly earnings of $4.49 per share in its upcoming report, which indicates a year-over-year increase of 9.5%. Revenues are expected to be $1.01 billion, up 8% from the year-ago quarter.The consensus EPS estimate for the quarter has been revised 0.5% higher over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.Before a company announces its e ...

Financial Performance - Net revenues increased by 17% year-over-year, with adjusted net income up 13% on a non-GAAP currency neutral basis [5][30] - Operating expenses rose by 14%, including a 4 percentage point increase from acquisitions, while operating income grew by 19% [30] - Net income and EPS increased by 13% and 16% respectively, with EPS at $3.73, benefiting from share repurchases [30][31] Business Line Performance - Payment Network net revenue increased by 16%, driven by domestic and cross-border transaction growth [34] - Value-added services and solutions net revenue rose by 18%, with a 4 percentage point contribution from acquisitions [35] - Switched transactions grew by 9% year-over-year, with card present transactions benefiting from increased contactless penetration [33][34] Market Performance - Worldwide gross dollar volume (GDV) increased by 9%, with U.S. GDV up by 7% and international GDV up by 10% [31][32] - Cross-border volume increased by 15%, reflecting growth in both travel and non-travel related spending [32][41] - In April, cross-border travel growth remained strong, although some moderation was noted in select markets in the Middle East and Africa [41][42] Company Strategy and Industry Competition - The company is focused on executing against short, medium, and long-term objectives, with a strong emphasis on consumer payments, commercial new payment flows, and value-added services [8][29] - Innovations such as contactless capabilities and tokenization are central to the company's strategy in the digital economy [8][9] - The company is actively pursuing partnerships to enhance customer acquisition and experiences, particularly in high-growth markets like Africa and Asia [15][16] Management Commentary on Operating Environment and Future Outlook - Management noted that consumer and business sentiment has weakened due to geopolitical tensions, but fundamentals supporting consumer spending remain solid [6][42] - The company expects net revenue growth at the high end of a low double digits to low teens range for 2025, with acquisitions contributing an additional 1 to 1.5 percentage points [44][45] - Management remains vigilant regarding external economic factors and is prepared to adjust strategies as necessary [42][43] Other Important Information - The company repurchased $2.5 billion worth of stock during the quarter, with an additional $884 million repurchased through late April [31] - The effective tax rate is expected to be in the range of 20% to 20.5% for both Q2 and the full year [47] Q&A Session Summary Question: Can you provide more details on the composition of your cross-border business? - Management highlighted that no cross-border corridor pair exceeds 3% of total volume, indicating a diversified portfolio [51][52] Question: What is the economic outlook for your tokenized offerings? - Management stated that 35% of switched transactions are now tokenized, with plans to scale this further and capture additional value [57][58] Question: What are the expectations for operating expenses moving forward? - Management indicated that operating expenses were lower than anticipated in Q1, with expectations for an increase in the second half of the year due to planned investments [61][66] Question: Are there any concerns regarding consumer spending habits? - Management expressed confidence in consumer engagement and spending, noting stable trends across various regions [71][78] Question: What is the potential impact of the Capital One Discover deal? - Management acknowledged the uncertainty surrounding the timing of the transition but indicated that the impact has been factored into the full-year outlook [89][90] Question: How does China factor into revenue projections? - Management noted that while the impact from China is currently small, there is potential for growth as the market develops [92][94]

Financial Performance - Net revenues increased by 17% year-over-year, with adjusted net income up 13% on a non-GAAP currency neutral basis [6][33] - Operating expenses rose by 14%, including a 4 percentage point increase from acquisitions, while operating income grew by 19% [33] - Net income and EPS increased by 13% and 16% respectively, with EPS at $3.73, benefiting from share repurchases [34] Business Line Performance - Payment Network net revenue grew by 16%, driven by domestic and cross-border transaction growth [38] - Value-added services and solutions net revenue increased by 18%, with a 4 percentage point contribution from acquisitions [39] - Switched transactions grew by 9% year-over-year, with card present transactions benefiting from increased contactless penetration [36][37] Market Performance - Worldwide gross dollar volume (GDV) increased by 9%, with U.S. GDV up by 7% and international GDV up by 10% [34][35] - Cross-border volume increased by 15%, reflecting growth in both travel and non-travel related spending [34][44] - In April, cross-border travel growth remained strong, although some moderation was noted in select markets in the Middle East and Africa [44][45] Company Strategy and Industry Competition - The company is focused on executing its growth strategy across consumer payments, commercial new payment flows, and value-added services [10][31] - Innovations such as contactless capabilities and tokenization are central to the company's strategy in the digital economy [10][11] - The company is expanding partnerships globally to drive growth in consumer payments, including collaborations in emerging markets like Africa and Asia [15][16] Management Commentary on Operating Environment and Future Outlook - Management noted that consumer and business sentiment has weakened due to geopolitical tensions, but fundamentals supporting consumer spending remain solid [8][45] - The company expects net revenue growth to be at the high end of a low double digits to low teens range for 2025, with acquisitions contributing an additional 1 to 1.5 percentage points [47][48] - Management remains vigilant regarding external economic factors and is prepared to adjust operations as necessary [46][89] Other Important Information - The company repurchased $2.5 billion worth of stock during the quarter, with an additional $884 million repurchased through April 28, 2025 [34] - The effective tax rate increased due to the global minimum tax rules, impacting net income [34][50] Q&A Session Summary Question: Can you provide more details on the composition of your cross-border business? - Management highlighted that no cross-border corridor pair exceeds 3% of total volume, indicating a diversified portfolio [55][56] Question: What is the economic outlook for your tokenized offerings? - Management stated that 35% of switched transactions are now tokenized, with plans to scale this further, emphasizing the value created through tokenization [61][62] Question: Can you elaborate on operating expenses and their growth? - Management indicated that operating expenses were slightly lower than expected in Q1, with an anticipated increase in the second half of the year due to planned investments [66][70] Question: Are there any concerns regarding consumer spending habits? - Management expressed confidence in consumer engagement and spending stability, despite some moderation in specific markets [75][81] Question: What impact will the Capital One Discover deal have on financials? - Management noted that the impact of the Capital One transition is already factored into the full-year guidance, with ongoing monitoring of the situation [92][93] Question: How does China factor into revenue projections? - Management indicated that while the impact of China is currently small, cross-border travel volume is recovering, with inbound travel exceeding pre-COVID levels [95][98]

Newark, NJ, May 01, 2025 (GLOBE NEWSWIRE) -- BOSS Money, the remittance and payments brand of IDT Corporation (NYSE: IDT), today announced promotional $0-fee international money transfers for new and existing customers on Mother’s Day. “BOSS Money has removed money transfer fees for Mother’s Day to make celebrating Moms everywhere easy and economical,” said Michelle Rendo, VP Marketing for BOSS Money. “Mother’s Day is a celebration of connection, love, and appreciation that transcends borders. A transfer on ...

Mastercard Incorporated First Quarter 2025 Financial Results Conference Call May 1, 2025 Business Update Business Highlights Financial Overview May 1, 2025 2 ©2025 Mastercard Michael Miebach: 1st Quarter Selected Financial Performance ($ in millions, except per share data) | | 1Q 25 | | 1Q 24 | | YOY Growth | | | --- | --- | --- | --- | --- | --- | --- | | | Non-GAAP | | Non-GAAP | | As adjusted | Currency-neutral | | Net revenue | $ | 7,250 | $ | 6,348 | 14% | 17% | | Adjusted operating expenses | | 2,950 ...

Integrated solution enables Flywire to unlock new payment flows from India to academic destinations worldwide Flywire further expands footprint in India, capitalizes on the billions of dollars of payment volume from education loans BOSTON and MUMBAI, India, April 30, 2025 (GLOBE NEWSWIRE) -- Flywire Corporation (Nasdaq: FLYW) (Flywire), a global payments and enablement and software company, today announced its strategic partnership with Avanse Financial Services, India's second-largest education-focused non ...