Core Insights - Global private equity and venture capital investments in the fintech sector increased by 43.7% year-over-year, reaching $18.54 billion in 2025, despite a decline in deal volume [2] - The volume of deals in the fintech sector fell by 34.2% from 2024, indicating a shift in investment dynamics [2] Investment Trends - The significant growth in investment value suggests strong investor confidence in the fintech sector, even as the number of deals decreases [2] - The decline in deal volume may reflect a more selective approach by investors, focusing on higher-quality opportunities rather than quantity [2]

KrakAcquisition Corp $KRAQx is launching on @xStocksFi.A publicly listed SPAC backed by Kraken, @TribeCapital, and Natural Capital, focused on regulated, revenue-generating digital asset and fintech businesses seeking public market access.Available in the Kraken app ⤵️ ...

Core Viewpoint - Affirm Holdings, Inc. (AFRM) has experienced significant volatility recently, despite reporting strong results, particularly in terms of sustained and increasing GAAP profitability [1] Group 1: Financial Performance - The company has demonstrated impressive incremental operating margins, which supports a positive outlook for its financial health [1] Group 2: Analyst Insights - Julian Lin, a financial analyst, focuses on identifying undervalued companies with long-term growth potential, emphasizing the importance of strong balance sheets and management teams [1] - Lin leads the investing group Best Of Breed Growth Stocks, which shares high-conviction stock positions expected to outperform the S&P 500 [1] - The investment strategy combines growth-oriented principles with strict valuation criteria to enhance the margin of safety [1]

SAN FRANCISCO, Feb. 12, 2026 (GLOBE NEWSWIRE) -- National shareholder rights law firm Hagens Berman is notifying investors in Klarna Group plc (NYSE: KLAR) of the upcoming February 20, 2026, lead plaintiff deadline in a pending securities class action. The firm is actively investigating the lawsuit’s claims of alleged misstatements in Klarna’s September 2025 Initial Public Offering (IPO) documents. CLICK HERE TO SUBMIT YOUR KLARNA LOSSES Investors who purchased Klarna (KLAR) shares pursuant to the company’s ...

Core Insights - Toast's stock is currently testing lower boundaries, hitting a new low due to market reactions following its earnings report [1] Financial Performance - Toast reported a Q4 revenue of $1.63 billion, slightly above estimates of $1.62 billion [5] - The company achieved a Q4 EPS of 16 cents, exceeding estimates of 13 cents [5] - The annualized recurring run-rate (ARR) grew by 26% to over $2 billion as of December 31, 2025 [2] - Gross Payment Volume (GPV) increased by 22% year-over-year to $51.4 billion [2] Business Growth - Total locations increased by 22% year-over-year to approximately 164,000, with an addition of 30,000 locations in 2025 [2] - The CEO of Toast, Aman Narang, highlighted momentum across the business, including scaling the core restaurant business and accelerating growth in new markets [3] Future Expectations - For the first quarter, Toast expects gross profit from subscription services and financial technology solutions to be in the range of $505 million to $515 million, representing growth of 22% to 24% [4] - Adjusted EBITDA for the first quarter is anticipated to be between $160 million and $170 million [4] Share Repurchase Program - Toast's board has authorized an increase of $500 million to the company's previously authorized share repurchase program [3] Market Reaction - Following the earnings report, Toast shares fell by 8.11% in after-hours trading, reaching $24.02 [5]

XP Inc. Reports Fourth Quarter 2025 Results-# XP Inc. Reports Fourth Quarter 2025 ResultsShare---SÃO PAULO--([BUSINESS WIRE])--XP Inc. (NASDAQ: XP) ("XP†or the "Company†), a leading tech-enabled platform and a trusted pioneer in providing low-fee financial products and services in Brazil, reported today its financial results for the fourth quarter of 2025.Dear Shareholders,Before reflecting on the year, I would like to thank our clients, investment advisors, employees, and partners for their trust, resili ...

Core Viewpoint - Rosen Law Firm is reminding investors who purchased securities of Klarna Group plc about the upcoming lead plaintiff deadline for a class action lawsuit related to Klarna's September 2025 IPO [1]. Group 1: Class Action Details - Investors who purchased Klarna securities may be eligible for compensation without any out-of-pocket fees through a contingency fee arrangement [2]. - A class action lawsuit has already been filed, and those wishing to serve as lead plaintiff must act by February 20, 2026 [3]. - Investors can join the class action by visiting the provided link or contacting the law firm directly for more information [6]. Group 2: Legal Representation - Rosen Law Firm emphasizes the importance of selecting qualified legal counsel with a proven track record in securities class actions, highlighting their own success in this area [4]. - The firm has achieved significant settlements for investors, including over $438 million in 2019 alone, and has been recognized for its performance in securities class action settlements [4]. Group 3: Case Allegations - The lawsuit claims that the Registration Statement issued during the IPO contained false or misleading statements, particularly regarding the risk of Klarna's loss reserves increasing shortly after the IPO [5]. - It is alleged that the defendants either knew or should have known about the risks associated with Klarna's buy now, pay later loans, leading to misleading public statements [5].

Core Insights - The company reported strong financial results for the third quarter, exceeding guidance with non-GAAP revenue of $175 million, a 13% year-over-year increase, and subscription revenue growth of 18% year-over-year [1][19] - The company achieved its previously disclosed goal of reaching the Rule of 30 on total revenue by late 2024, indicating solid operational execution and growth strategy [5][28] - Adjusted EBITDA for the quarter was $32.6 million, reflecting a 66% increase from the previous year, and free cash flow reached $35 million, significantly up from $10 million year-to-date in 2023 [25][26] Financial Performance - Non-GAAP revenue for Q3 was $175 million, up 13% year-over-year and 1% sequentially, driven primarily by subscription-based revenues [19][27] - Subscription revenue accounted for over 80% of total revenue, highlighting a strategic shift towards higher-margin recurring revenue streams [18][19] - Total annualized recurring revenue (ARR) grew to $796 million, a 15% increase year-over-year, with subscription ARR reaching $655 million, up 20% year-over-year [21][22] Sales and Market Activity - The company secured 6 enterprise and Tier 1 deals in the quarter, including significant wins with top 50 U.S. banks, showcasing strong demand for its digital banking solutions [5][30] - Notable wins included a top 50 bank selecting the digital banking platform and a Tier 2 bank adopting the entire platform for various segments, indicating a robust sales pipeline [6][7] - The company experienced its strongest quarter for cross-sell bookings, with significant contributions from its partner ecosystem [11][12] Operational Efficiency - Gross margins improved to 56%, up from 53.9% year-over-year, driven by a higher mix of subscription revenues and increased operational efficiencies [23] - Total operating expenses decreased as a percentage of revenue, reflecting improved scaling of sales and marketing expenses [24] - The company generated free cash flow as a percentage of adjusted EBITDA expected to exceed 70% for the full year of 2024, indicating strong cash flow management [26] Future Outlook - The company forecasts Q4 non-GAAP revenue between $178.1 million and $181.1 million, with full-year revenue expected to grow by 11% [27][28] - Subscription revenue growth is anticipated to reach approximately 16% year-over-year for the full year, exceeding initial projections [27][28] - The company remains optimistic about its growth trajectory, with expectations for continued strong performance in 2025 [28][41]

Core Viewpoint - Blend Labs, Inc. is enhancing its Verification of Income capability through a partnership with Truework, which will improve its offerings for banks, credit unions, and mortgage lenders [1] Group 1: Company Developments - The company announced the expansion of its Verification of Income capability [1] - Blend Labs is adding supplemental asset reports to verify borrower employment during the pre-close verification process [1] - This expansion aims to enhance the benefits of its Verification of Assets solution for mortgage lenders [1]

Core Insights - 1492 Capital Management LLC sold its entire holding of Shift4 Payments, totaling 61,345 shares, during the fourth quarter of 2025, with an estimated transaction value of $4.75 million [2][9] - Shift4 Payments' stock price as of February 9, 2026, was $58.61, reflecting a 52.1% decline over the past year, significantly underperforming the S&P 500 by 67.15 percentage points [7][8] Company Overview - Shift4 Payments, Inc. is a technology company focused on payment processing and commerce-enabling software, employing over 4,000 individuals and serving a diverse merchant base [6] - The company generates revenue primarily through transaction fees, software subscriptions, and value-added services, catering to various sectors including hospitality, retail, and eCommerce [8] Market Context - The sale of Shift4 Payments shares by 1492 Capital occurred during a transitional period for the company, following the resignation of founder Jared Isaacman as CEO to take a position at NASA [9] - The fintech industry, particularly in which Shift4 operates, is highly competitive, and many companies in this sector have faced challenges in recent years [9]