Shares of Fiserv plunged Wednesday after the Milwaukee-based fintech firm reported weaker-than-expected earnings, slashed its guidance and announced a leadership overhaul. https://t.co/Lj41xM80As ...

Core Insights - Mercado Libre reported a net revenue growth of 39% year-over-year, reaching US$7.4 billion in Q3 2025, marking the 27th consecutive quarter of growth above 30% year-over-year [1] Financial Performance - The company achieved a net revenue of US$7.4 billion, reflecting a 39% increase compared to the same quarter last year [1] - This growth represents the 27th consecutive quarter where the company has maintained growth rates exceeding 30% year-over-year [1] Competitive Position - Market share and Net Promoter Score (NPS) data indicate that the company has significantly strengthened its competitive position during the same period [1] - The company has made further investments in the expansion of free shipping to enhance its market presence [1]

TORONTO--(BUSINESS WIRE)---- $PAID #Fintech--XTM Inc. ("XTM†or the "Company†) (CSE: PAID / OTCQB: XTMIF / FSE: 7XT), a fintech company providing automated tip calculation, instant payout and earned wage access ("EWA†) solutions through its AnyDayâ"¢ platform, today announced that it has elected to satisfy accrued interest payable on its outstanding convertible debentures as at September 30, 2025 through the issuance of common shares. ...

Core Insights - Fiserv's stock experienced a significant decline of 43.8% following a disappointing quarterly report, with the market reacting negatively to the company's underperformance [1][3]. Financial Performance - For Q3, Fiserv reported non-GAAP earnings per share of $2.04 on revenues of $4.92 billion, which fell short of Wall Street expectations of $2.65 EPS and $5.35 billion in revenue [3]. - Revenue growth was minimal at 0.8% year-over-year, while adjusted operating income decreased by 7% to $1.8 billion [3]. Future Outlook - The company revised its full-year forecasts, now expecting organic revenue growth between 3.5% and 4%, down from a previous estimate of approximately 10% [4]. - Adjusted earnings per share are now projected to be between $8.50 and $8.60, a decrease from the earlier guidance of $10.15 to $10.30 [4][5]. - This shift indicates a potential year-over-year decline in profits, contrasting with earlier expectations of a 16% growth [5].

Core Insights - CPI Card Group has formed a strategic partnership with Karta to enhance digital security for prepaid cards, aiming to prevent gift card fraud by integrating Karta's SafeToBuy technology with CPI's prepaid solutions [1][3][4] Company Overview - CPI Card Group is a payments technology company that offers a wide range of payment cards and digital solutions, focusing on building relationships and trust with clients [5][6] - Karta, an Australian FinTech founded in 2021, is backed by the Commonwealth Bank of Australia and CPI Card Group, aiming to redefine payment cards to be smarter and safer [7][8] Technology and Innovation - The SafeToBuy technology eliminates printed card numbers from gift card packaging, embedding data and security in an EMV chip to reduce the risk of fraud [2][8] - The partnership allows CPI to produce and personalize contactless gift cards with EMV chips that include Karta's SafeToBuy applet, enhancing the security of transactions [3][4] Market Position and Future Plans - CPI is positioned as Karta's exclusive supplier in the U.S., with plans to adapt Karta's prepaid program management platform for a U.S. launch targeted for early 2026 [4] - The collaboration aims to create a new standard of security and trust in the payment card industry, enabling retailers and financial institutions to reduce fraud and connect physical cards with digital use [4][8]

Core Insights - Both Futu Holdings Limited (FUTU) and Nu Holdings (NU) are significant players in the fintech sector, with FUTU focusing on digital brokerage in Hong Kong and internationally, while NU serves the Latin American market with banking and financial services [1] Futu Holdings (FUTU) - FUTU achieved a remarkable 69.7% year-over-year revenue growth in Q2 2025, driven by its integration of AI into operations [2] - The company expanded its client base by adding 262,000 funded accounts in Q2 2025, totaling 2.7 million, reflecting a 42% year-over-year increase [3] - Total assets under management for FUTU surged 104.4% year-over-year as of Q2 2025, supported by partnerships with over 80 fund companies [4] - FUTU's strategy includes leveraging AI in its products, with offerings like Futubull AI and moomoo AI enhancing its global reach [6] Nu Holdings (NU) - NU added over 4.1 million customers in Q2 2025, bringing the total to 122.7 million, which represents a 17% year-over-year growth [7] - The company reported $3.7 billion in revenue for Q2 2025, a 29% increase year-over-year, with average revenue per active customer rising 18% to $12 [8] - NU's digital-first model, particularly through its NuBank, has disrupted traditional banking in Brazil and is expanding into Colombia and Mexico [9] - The company demonstrated effective risk management, with a 30-basis point decline in the 15-90-day non-performing loan ratio, indicating improved asset quality [11] Financial Estimates - The Zacks Consensus Estimate for FUTU indicates a 42.9% growth in sales and a 66.9% increase in EPS for 2025 [12] - For NU, the estimates suggest a 32.2% growth in sales and a 24.4% increase in EPS for 2025 [13] Valuation Comparison - NU is trading at a forward price-to-sales multiple of 4.13, lower than its 12-month median of 3.65, while FUTU's forward earnings multiple is 9.82, above its median of 7.24 [15] Conclusion - Both FUTU and NU are strong contenders in the fintech space, but NU is positioned as a more attractive investment due to its rapid customer base expansion and efficient business model [18] - Despite both companies being fundamentally strong, NU's lower valuation compared to FUTU suggests it may offer better long-term returns for investors [19]

Core Insights - Fiserv shares are experiencing significant declines, with nearly two-thirds of their value lost since the beginning of the year, following a disappointing earnings report and leadership changes [1][3]. Financial Performance - Fiserv reported adjusted earnings of $2.04 per share, with revenue growth of 1% year-over-year to $5.26 billion, falling short of analyst expectations of $2.63 and $5.69 billion respectively [2]. - The company has lowered its 2025 organic revenue growth target to a range of 3.5% to 4%, and adjusted EPS target to $8.50-$8.60, down from a previous projection of about 10% organic revenue growth and adjusted EPS of $10.15 to $10.30 [2]. Leadership Changes - Fiserv is undergoing a leadership shakeup under new CEO Mike Lyons, who took over in May. The company has appointed Paul Todd as the new CFO, effective Friday, succeeding Robert Hau [4][8]. - The board will see changes with Gordon Nixon, Céline Dufétel, and Gary Shedlin replacing three members on January 1, with Nixon becoming Independent Chairman [8]. Strategic Initiatives - The company has launched an action plan called "One Fiserv," focusing on client service, technology solutions, and innovation, with a key component being the Clover point-of-sale payments system [5]. - Fiserv has also announced the acquisition of part of TD Bank's merchant processing business in Canada and a deal with the bank group's Merchant Solutions unit [5]. Stock Market Activity - Following the earnings report and guidance reset, Fiserv's shares dropped more than 40%, reaching their lowest level since late 2018 [3][7]. - The company plans to transfer its stock listing to Nasdaq from the New York Stock Exchange on November 11, changing its ticker symbol to "FISV" from "FI" [9].

Core Insights - Fiserv's shares dropped over 40% following disappointing earnings and a lowered growth forecast for the second consecutive quarter, with analysts describing the results as "shockingly bad" [1][5][10] - The company's core payments and merchant business is under increasing pressure due to intense competition and a slowdown in consumer spending [1][12] Financial Performance - Fiserv reported third-quarter adjusted EPS of $2.04, significantly below Wall Street's estimate of $2.64, and adjusted revenue of $4.92 billion, missing expectations of $5.36 billion [13] - The company now expects annual revenue growth of 3.5% to 4%, down from a previous forecast of 10%, and adjusted profit per share is projected between $8.50 and $8.60, reduced from $10.15 to $10.30 [10] Leadership Changes - Fiserv announced a major overhaul of its senior leadership, appointing a new finance chief and two co-presidents, indicating potential internal challenges or a strategic shift [2][4] - Paul Todd has been named the new chief financial officer, succeeding Robert Hau, who will transition to a senior adviser role [18] Market Reaction - The disappointing results have negatively impacted investor sentiment, with analysts expressing concerns about the company's near-term outlook and the broader fintech sector also experiencing declines [6][7] - Fiserv's stock has lost nearly 64% of its value this year, potentially erasing around $29 billion from its market capitalization [20]

Financial Performance - Fiserv's new leadership indicated the company would not meet financial forecasts previously established [1]

Group 1 - Nu Holdings Cl A has shown market leadership with a jump to an 83 Relative Strength (RS) Rating, indicating strong performance compared to peers [4] - The stock has a composite rating of 95 out of 99, suggesting it is among the top performers in its industry [1] - Analysts have noted that Nu Holdings is actionable on a rebound from its 50-day line, which is a positive technical indicator [1] Group 2 - The stock market is experiencing fresh highs, with Nu Holdings, MongoDB, and SoFi Technologies being highlighted as key stocks to watch [1][2] - Nu Holdings has earned an RS Rating of 71, reflecting its rising market leadership [4] - The stock is part of a flat base pattern, which is one of three positive chart patterns to look for in technical analysis [1]