Core Insights - Investors are comparing PagSeguro Digital Ltd. (PAGS) and Corpay (CPAY) to determine which stock offers better value opportunities [1] Valuation Metrics - PAGS has a Zacks Rank of 1 (Strong Buy), indicating a positive earnings outlook, while CPAY has a Zacks Rank of 3 (Hold) [3] - PAGS has a forward P/E ratio of 6.47, significantly lower than CPAY's forward P/E of 15.72 [5] - The PEG ratio for PAGS is 0.57, while CPAY's PEG ratio is 1.19, suggesting PAGS is more favorably valued in terms of expected earnings growth [5] - PAGS has a P/B ratio of 1.03, compared to CPAY's P/B of 6.65, indicating PAGS is undervalued relative to its book value [6] - Overall, PAGS has a Value grade of A, while CPAY has a Value grade of C, highlighting PAGS as the superior value option [6]

Core Insights - PayPal is expanding its cryptocurrency services, including the addition of Chainlink (LINK) and Solana (SOL) to its platforms, aiming to become a key player in tokenized finance [1][8] - The launch of PayPal USD (PYUSD) in August 2023 is central to its crypto strategy, with recent expansions to Layer-2 blockchains like Arbitrum and plans for Stellar integration [2][3] - A partnership with Coinbase allows fee-free PYUSD purchases and enhances its use in decentralized finance (DeFi) and on-chain platforms [4][8] Company Developments - PayPal has deepened its involvement in the crypto space since 2020, now offering major tokens and stablecoin services [1] - The integration of PYUSD into Arbitrum provides a low-cost, high-speed option for developers, enhancing transaction capabilities [2] - The planned expansion of PYUSD to the Stellar blockchain aims to improve payment capabilities with faster transactions and lower fees [3] Strategic Partnerships - The collaboration with Coinbase enables fee-free access to PYUSD, promoting its adoption among consumers, merchants, and institutions [4] - PayPal's rollout of crypto services for business accounts allows merchants to manage crypto assets directly [4] Market Position - PayPal shares have declined 13.1% year to date, underperforming the broader industry and the S&P 500 Index [7] - The stock is trading at a forward 12-month P/E of 13.70X, significantly lower than the industry average of 21.96X, indicating a potentially undervalued position [10] Earnings Estimates - Recent revisions to earnings estimates show a positive trend, with a projected 9.46% growth in EPS for 2025 and 11.46% for 2026 [12] - Current estimates for the upcoming quarters indicate slight upward adjustments, reflecting improved expectations [13]

Core Insights - PagSeguro Digital Ltd. has consistently surpassed earnings estimates, averaging a 12.07% beat over the last two quarters [1][5] - The company reported earnings of $0.29 per share for the most recent quarter, missing the expectation of $0.31 per share, but still achieving a surprise of 6.90% [2] - In the previous quarter, PagSeguro exceeded the consensus estimate of $0.29 per share by reporting $0.34 per share, resulting in a surprise of 17.24% [2] Earnings Estimates and Predictions - Recent changes in earnings estimates for PagSeguro Digital have been favorable, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [5][8] - The current Earnings ESP for PagSeguro is +9.09%, suggesting that analysts are optimistic about the company's earnings prospects [8] - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise [6][8] Importance of Earnings ESP - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [7] - A positive Earnings ESP combined with a strong Zacks Rank indicates a higher probability of an earnings beat, while a negative Earnings ESP may reduce predictive power but does not necessarily indicate a miss [8][10]

Core Insights - Evertec (EVTC) has a strong track record of beating earnings estimates, particularly in the last two quarters with an average surprise of 14.12% [1] - The company reported earnings of $0.81 per share for the most recent quarter, falling short of the expected $0.87, resulting in a surprise of 7.41% [2] - In the previous quarter, Evertec exceeded expectations by reporting $0.87 per share against a consensus estimate of $0.72, achieving a surprise of 20.83% [2] Earnings Estimates and Predictions - Earnings estimates for Evertec have been trending higher, supported by its history of earnings surprises [5] - The stock currently has a positive Zacks Earnings ESP of +1.16%, indicating bullish sentiment among analysts regarding its near-term earnings potential [8] - The combination of a positive Earnings ESP and a Zacks Rank of 3 (Hold) suggests a high likelihood of another earnings beat in the upcoming report [8] Earnings ESP and Market Behavior - Research indicates that stocks with a positive Earnings ESP and a Zacks Rank of 3 or better have a nearly 70% chance of producing a positive surprise [6] - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, reflecting the latest analyst revisions [7] - A negative Earnings ESP can diminish predictive power but does not necessarily indicate an earnings miss [9]

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for FirstCash Holdings despite lower revenues, with a focus on how actual results compare to estimates impacting stock price [1][2]. Earnings Expectations - FirstCash is expected to report quarterly earnings of $1.66 per share, reflecting a year-over-year increase of +21.2% [3]. - Revenues are projected to be $824.3 million, a decrease of 0.8% from the previous year [3]. Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analyst expectations [4]. - The Most Accurate Estimate for FirstCash is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +2.41% [12]. Earnings Surprise Prediction - A positive Earnings ESP reading suggests a potential earnings beat, particularly when combined with a strong Zacks Rank [10]. - FirstCash currently holds a Zacks Rank of 4, which complicates the prediction of an earnings beat despite the positive Earnings ESP [12]. Historical Performance - In the last reported quarter, FirstCash exceeded expectations by delivering earnings of $2.07 per share against an expected $1.75, resulting in a surprise of +18.29% [13]. - The company has beaten consensus EPS estimates in all of the last four quarters [14]. Industry Comparison - Another player in the financial transaction services industry, Wex, is expected to report earnings of $3.69 per share, indicating a year-over-year decline of -5.6% [18]. - Wex's revenues are anticipated to be $653.38 million, down 3% from the previous year, with a higher Most Accurate Estimate leading to an Earnings ESP of +0.88% and a Zacks Rank of 2 [19].

Company Performance - PagSeguro Digital Ltd. closed at $8.43, reflecting a -1.86% change from the previous day, underperforming the S&P 500 which gained 0.32% [1] - Over the past month, shares of PagSeguro Digital Ltd. have decreased by 7.24%, compared to a loss of 1.01% in the Business Services sector and a gain of 4.51% in the S&P 500 [1] Upcoming Earnings - The upcoming earnings release is expected to show an EPS of $0.3, which represents a 6.25% decline from the same quarter last year [2] - Revenue is projected to be $913.21 million, indicating a 4.44% increase from the previous year [2] Full Year Estimates - For the full year, analysts expect earnings of $1.22 per share and revenue of $3.7 billion, reflecting changes of +0.83% and +5.98% respectively from last year [3] - Recent revisions in analyst estimates suggest a positive outlook for the business [3] Valuation Metrics - PagSeguro Digital Ltd. is currently trading at a Forward P/E ratio of 7.06, significantly lower than the industry average of 16.08, indicating a discount [6] - The company has a PEG ratio of 0.63, compared to the Financial Transaction Services industry's average PEG ratio of 1.27 [7] Industry Context - The Financial Transaction Services industry is part of the Business Services sector, which holds a Zacks Industry Rank of 91, placing it in the top 37% of over 250 industries [7] - The Zacks Rank system indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

Core Viewpoint - Fidelity National Information Services (FIS) is positioned well to potentially beat earnings estimates in its upcoming quarterly report, supported by a solid history of performance in this regard [1]. Company Performance - Fidelity National has a strong track record of exceeding earnings estimates, particularly in the last two quarters, with an average surprise of 2.27% [2]. - In the last reported quarter, the company achieved earnings of $1.21 per share, surpassing the Zacks Consensus Estimate of $1.20 per share, resulting in a surprise of 0.83% [3]. - In the previous quarter, Fidelity National was expected to report earnings of $1.35 per share but delivered $1.40 per share, yielding a surprise of 3.70% [3]. Earnings Estimates - Recent changes in earnings estimates for Fidelity National have been favorable, with a positive Zacks Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [6]. - The current Earnings ESP for Fidelity National is +0.94%, suggesting that analysts have recently become more optimistic about the company's earnings prospects [8]. Predictive Metrics - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise [7]. - The Earnings ESP metric is crucial for predicting earnings performance, as it compares the Most Accurate Estimate to the Zacks Consensus Estimate, reflecting the latest analyst revisions [8].

Investors in Fiserv, Inc. (FI) need to pay close attention to the stock based on moves in the options market lately. That is because the Sept 19, 2025 $90.00 Call had some of the highest implied volatility of all equity options today.What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean ...

Company Performance - Paypal (PYPL) closed at $72.96, reflecting a -1.26% change from the previous day, underperforming the S&P 500's daily loss of 0.4% [1] - Over the past month, Paypal shares gained 2.26%, outperforming the Business Services sector's gain of 0.01% but lagging behind the S&P 500's gain of 4.97% [1] Upcoming Earnings - Paypal's earnings report is scheduled for July 29, 2025, with expected earnings of $1.29 per share, indicating a year-over-year growth of 8.4% [2] - The consensus estimate projects revenue of $8.09 billion, reflecting a 2.55% increase from the same quarter last year [2] Annual Estimates - For the annual period, the Zacks Consensus Estimates predict earnings of $5.09 per share and revenue of $32.73 billion, representing year-over-year changes of +9.46% and +2.92%, respectively [3] Analyst Forecast Revisions - Recent revisions to analyst forecasts for Paypal are important as they reflect short-term business trends and analysts' confidence in performance and profit potential [4] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has shown a strong track record, with 1 stocks averaging an annual return of +25% since 1988 [6] - Paypal currently holds a Zacks Rank of 3 (Hold), with the consensus EPS estimate moving 0.04% higher over the last 30 days [6] Valuation Metrics - Paypal's Forward P/E ratio is 14.53, which is lower than the industry average Forward P/E of 16.33 [7] - The company has a PEG ratio of 1.21, compared to the Financial Transaction Services industry's average PEG ratio of 1.3 [7] Industry Overview - The Financial Transaction Services industry is part of the Business Services sector, holding a Zacks Industry Rank of 93, placing it in the top 38% of over 250 industries [8] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

Company Overview - Paymentus (PAY) shares increased by 5.8% to $30.05, following a significant trading volume, contrasting with a 13.1% loss over the past four weeks [1] - The stock received a rating upgrade from Market Perform to Outperform by Raymond James, with a price target set at $37.00 [2] - Paymentus has a competitive edge due to its scalable, cloud-native platform that supports omnichannel, real-time bill payments [2] Technology and Integration - The company’s integration with billing and ERP systems, along with its proprietary Instant Payment Network (IPN), connects thousands of billers and partners, including PayPal and Walmart, enhancing its market reach [3] - AI-powered features facilitate smart engagement, while flexible APIs and secure infrastructure contribute to efficiency and reliability, positioning Paymentus as a leader in modern bill payment solutions [3] Financial Performance Expectations - Paymentus is projected to report quarterly earnings of $0.14 per share, reflecting a year-over-year increase of 16.7%, with revenues expected to reach $257.95 million, up 30.7% from the previous year [4] - The consensus EPS estimate has remained unchanged over the last 30 days, indicating that stock price movements may not sustain without trends in earnings estimate revisions [5] Industry Context - Paymentus operates within the Zacks Financial Transaction Services industry, which includes other companies like MasterCard (MA) [6] - MasterCard's consensus EPS estimate for its upcoming report has increased by 0.2% to $4.05, representing a 12.8% change from the previous year [7]