Core Insights - Robinhood Markets Inc (NASDAQ:HOOD) is identified as one of the best S&P 500 stocks with significant upside potential following its earnings report on February 10, which revealed record revenue for both Q4 and the full year of 2025 [1] Financial Performance - Revenue for Q4 increased by 27% year-over-year (YoY) to $1.28 billion, driven by a remarkable 109% YoY growth in the Other Revenues segment, which includes the Robinhood Gold subscription service that reached 4.18 million subscribers, an increase of 1.5 million YoY [2] - The Transaction-Based Revenues segment experienced a decline due to a 38% YoY drop in crypto revenues, while diluted earnings per share (EPS) were reported at $0.66, down from $1.01 in the same period the previous year, with the prior year's EPS benefiting from tax advantages [3] Cash Position and Shareholder Returns - At the end of the quarter, Robinhood held $4.3 billion in cash and cash equivalents after executing $100 million in share repurchases, totaling $910 million returned to shareholders since the initiation of the buyback program in Q3 2024, which involved repurchasing 22 million shares [4] Analyst Outlook - Bernstein SocGen Group maintained an Outperform rating on Robinhood stock with a price target of $160, citing optimism about the future of the crypto and prediction markets businesses, predicting a recovery in the crypto sector by Q2 2026 and potential for the prediction markets to become a billion-dollar annual business this year [5] Company Overview - Robinhood Markets Inc operates a financial services platform that allows millions to trade stocks, options, crypto, and various investment products, in addition to offering banking services, credit cards, and wealth management, with its headquarters located in Menlo Park, California [6]

Core Insights - Marivic Dar, a financial advisor with Prudential Advisors, received the ThinkAdvisor 2025 Luminaries Award in the Luminaries with Heart category, recognizing her contributions to financial empowerment and community resilience [1][1][1] Company Overview - Prudential Advisors is the retail arm of Prudential Financial, Inc., supporting over 3,000 financial advisors across the United States [1][1] - Prudential Financial, Inc. manages approximately $1.6 trillion in assets as of December 31, 2025, and operates globally in the United States, Asia, Europe, and Latin America [1][1][1] Industry Recognition - The ThinkAdvisor Luminaries Awards program, now in its fifth year, highlights excellence in financial services and encourages innovation and community engagement within the industry [1][1] - The 2025 Luminaries Awards ceremony took place at the New York Hilton Midtown on December 4, showcasing honorees who demonstrate leadership and commitment to community strengthening [1][1][1]

Goldman Sachs plans to remove diversity criteria from factors considered in identifying potential board candidates, the WSJ reports https://t.co/6c0fRlFzNq ...

Core Insights - Bread Financial is experiencing a resilient middle-America consumer base, with gradual improvement in credit trends and an anticipated inflection toward loan growth as new partner programs scale [4] Credit Metrics - January credit results were described as "good numbers" and aligned with expectations, with a seasonal increase expected in February and metrics projected to move "near 8" [1] - Customers have adjusted their household budgets due to compounded inflation of 30% to 35% post-COVID, leading to a cautious approach in spending [2] - The company expects continued improvement in credit quality and a resumption of spending as inflation moderates and the labor market remains stable [2] Customer Demographics - Bread primarily serves near-prime to prime customers, with new vintages underwritten having an average income of approximately $95,000, while the overall portfolio is just under $80,000 [3] Loan Growth and Partner Programs - Loan growth is expected to inflect as partner programs like Raymour & Flanigan, Cricket Wireless, and Vivint scale, with guidance for low single-digit average loan growth and higher ending loans later in the year [6][7] - The company reported flat year-over-year growth in January, which is viewed as an early sign of an expected inflection to growth [6] Pricing and Margin - Pricing changes implemented since early 2024 are expected to protect net interest margin (NIM), which is projected to remain flat to slightly higher [5][11] - Operational savings are being reinvested into technology and AI initiatives, supporting the goal of positive operating leverage as revenue grows [11] Capital Management - The company plans to issue up to $300 million in preferred stock and is pursuing a merger of its two legacy banks to enhance funding flexibility [5][13] - Bread has reduced its debt from $900 million at the start of last year to $500 million at year-end and has $240 million remaining in share repurchase authorization [14] Product Offerings - Bread Pay and buy now, pay later (BNPL) services are expanding, catering to consumers who prefer to pay over time but may not qualify for traditional credit [9][10] - The existing portfolio is expected to see gradual improvement due to credit strategies and consumer adaptation, with new vintages carrying lower loss rates [9]

Core Insights - Bread Financial has made significant progress in strengthening its balance sheet, including debt reduction and improving tangible value, marking a successful transformation post-COVID [1][5] - The company reported that January performance showed favorable credit trends, with losses and delinquencies improving, while loan growth remained flat, indicating potential stabilization [2][6] - Bread Financial has diversified its product offerings beyond private-label cards to include co-brand, direct-to-consumer, and buy now, pay later (BNPL) products, enhancing its market position [4][8] Financial Performance - Non-interest expenses for the fourth quarter were reported at $500 million, with expectations for a slight decrease in the first quarter [1] - The company ended the year with approximately $8.5 billion in direct-to-consumer deposits, aiming for deposits to constitute 50% of total funding [5][17] - Management anticipates long-term loss rates around 6% and reserves near 10%, with expectations for low single-digit loan growth over time [6][14] Customer Targeting - Bread Financial targets "Middle America" consumers, with an average income of about $94,000, who have shown resilience in adapting their spending behavior amid economic challenges [7] - The company emphasizes that its customer base does not primarily include superprime or subprime consumers, focusing instead on a more stable middle-income demographic [7] Product and Market Expansion - The company has expanded its product set to include multiple offerings, providing partners with more choices and increasing the pool of eligible consumers [9] - Bread Financial operates across various verticals, including travel and entertainment, home improvement, and electronics, enhancing its market reach [16] Strategic Initiatives - The management is focused on responsible growth, maintaining positive operating leverage, and continuing technology transformation, including cloud migration and AI applications [18] - The partner pipeline is described as robust, with top 10 partners locked through 2028, indicating strong future collaboration opportunities [15][17]

Core Viewpoint - The CFTC supports Crypto.com in its appeal against a lawsuit, emphasizing its role as the legitimate regulator of financial instruments in the cryptocurrency sector [1] Group 1 - The CFTC's backing indicates a significant regulatory endorsement for Crypto.com, which may influence the outcome of the legal proceedings [1] - This support could enhance Crypto.com's credibility and operational stability within the cryptocurrency market [1] - The case highlights the ongoing regulatory scrutiny and legal challenges faced by cryptocurrency exchanges [1]

Core Viewpoint - MarketGauge aims to empower investors by providing strategic and actionable information through educational courses, proprietary trading tools, and quant-based models [1] Group 1: Company Overview - MarketGauge was founded 25 years ago by former floor traders who became hedge fund managers [1] - The company boasts over 100 years of combined experience among its experts in trading, technology, and education [1] - MarketGauge has a mission to help both novice and professional investors achieve their financial goals [1] Group 2: Investment Philosophy - The core philosophy of MarketGauge is to identify major macro trends and emerging trends using proprietary tools and indicators [1] - The company employs short-term trading tactics derived from successful floor trading to maximize profits and minimize risks [1] - Price action is the primary driver of their trading strategies, supplemented by fundamental analysis [1] - MarketGauge advocates for a methodical, systematic, and repeatable approach to trading, contrasting with passive management strategies [1] Group 3: Performance and Transparency - All investing models at MarketGauge include track records with daily and weekly updates, ensuring transparency in performance [1] - The company has provided market analytics to major financial institutions such as Barron's and Fidelity, as well as to individual investors and active traders [1] - MarketGauge's insights are featured in various financial platforms, including Benzinga and CBS MarketWatch, which rated their Twitter feed among the top 50 for financial information [1] Group 4: Team and Expertise - Each expert at MarketGauge has a specific focus and domain, with their unique skills interconnected through shared experience and a commitment to risk management [1] - All team members utilize the same indicators and tools, fostering a cohesive approach to trading [1]

Core Viewpoint - Rosen Law Firm is reminding investors who purchased SLM Corporation securities between July 25, 2025, and August 14, 2025, of the February 17, 2026, lead plaintiff deadline for a class action lawsuit [1]. Group 1: Class Action Details - Investors who bought SLM securities during the specified Class Period 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 17, 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: Law Firm Credentials - Rosen Law Firm emphasizes the importance of selecting qualified legal counsel with a proven track record in securities class actions, highlighting their success in recovering hundreds of millions for investors [4]. - The firm has been recognized for its achievements, including the largest securities class action settlement against a Chinese company and being ranked highly for the number of settlements [4]. Group 3: Case Allegations - The lawsuit alleges that during the Class Period, SLM made false or misleading statements regarding its financial health, specifically concerning early-stage delinquencies and the effectiveness of its loss mitigation programs [5]. - It is claimed that these misrepresentations led to a materially false impression of SLM's business operations and prospects, resulting in investor damages when the truth was revealed [5].

LATEST: 💰 South Korean financial giant Mirae Asset has agreed to buy a 92% stake in crypto exchange Korbit for $93 million in cash to secure digital asset growth drivers. https://t.co/WyLHPOC19M ...

Geopolitical Developments - The "Trump Trade" has transformed into a complex scenario involving Arctic land acquisitions, Middle Eastern reconstruction, and digital currency ETFs as of February 16, 2026 [1] - Danish Prime Minister Mette Frederiksen confirmed that Donald Trump is serious about acquiring Greenland, despite the Danish government's stance that it is not for sale [2] Market Reactions - Investors in NEM and FCX are showing interest in Greenland's mineral reserves, with NEM up 0.8% and FCX up 1.4% [2] - Defense contractors LMT and NOC experienced minor dips of 0.4% and 0.2% respectively as the market assessed the implications of Arctic defense [3] - The Danish Krone increased by 0.3% against the dollar amid speculation about a potential Greenland deal [4] Infrastructure and Investment - The formation of a "Board of Peace" has led to $5 billion in pledges for Gaza reconstruction, positively impacting shares of CAT and VMC, which rose by 2.1% and 1.8% respectively [5] - The announcement of the Board of Peace has generated optimism in the VGK ETF, which tracks European stocks, as it represents a significant international investment [6] Cryptocurrency Developments - Truth Social has filed for Bitcoin, Ether, and Cronos ETF listings, causing Bitcoin to rise by 2.5% and briefly reach $72,000 [7] - DJT shares fell by 4.2% as investors recognized the challenges of ETF approval despite the positive market reaction to the filing [8] Trade Policy Changes - The House of Representatives voted to eliminate punitive tariffs on Canada, leading to a 3.1% increase in GM shares and a 2.7% increase in Ford shares [9] - The Canadian Dollar rose by 0.8% against the USD following the tariff vote, indicating a temporary easing of trade tensions [10] Market Sentiment - The DOW increased by 0.2% while the NASDAQ decreased by 0.1%, reflecting a cautious market attitude amid ongoing geopolitical and economic developments [12]