Core Viewpoint - Yiren Digital Ltd. reported a strong recovery in its financial performance for the second quarter of 2025, driven by AI-powered strategies and a focus on financial services, despite a decline in its insurance brokerage business. Financial Services Business - Gross written premiums in Q2 2025 were RMB850.1 million (US$118.7 million), a 6% increase from RMB801.8 million in Q1 2025 but a 20% decrease from RMB1,060.9 million in Q2 2024, attributed to a recovery in sales post-regulatory changes [2][4] - Revenue from the financial services business was RMB1,489.6 million (US$207.9 million), a 75% increase from RMB851.0 million in Q2 2024, driven by demand for small revolving loan products [4][28] - The financial services revenue accounted for 90% of total net revenue in Q2 2025 [4] Operational Highlights - Total net revenue for Q2 2025 was RMB1,652.1 million (US$230.6 million), a 10% increase from RMB1,496.5 million in Q2 2024 [4] - The company reported a return to profitability growth after five consecutive quarters of decline, with robust revenue and profit expansion in technology and international operations [3][4] Expenses and Costs - Sales and marketing expenses increased to RMB345.2 million (US$48.2 million) in Q2 2025 from RMB285.1 million in Q2 2024, due to higher loan facilitation volume [5] - Research and development expenses rose to RMB107.7 million (US$15.0 million) in Q2 2025, reflecting increased AI spending and capital investment in technology [7] - General and administrative expenses were RMB78.9 million (US$11.0 million), up from RMB68.7 million in Q2 2024, primarily due to higher personnel costs [8] Profitability Metrics - Net income for Q2 2025 was RMB357.5 million (US$49.9 million), down from RMB409.5 million in Q2 2024, mainly due to upfront provisions required by accounting principles [10] - Adjusted EBITDA for Q2 2025 was RMB351.4 million (US$49.1 million), compared to RMB484.7 million in Q2 2024 [11] Cash Flow and Financing - Net cash generated from operating activities was RMB411.2 million (US$57.4 million) in Q2 2025, compared to RMB368.9 million in Q2 2024 [12] - Net cash used in investing activities was RMB752.2 million (US$105.0 million) in Q2 2025, up from RMB536.9 million in Q2 2024 [12] - Net cash provided by financing activities was RMB447.6 million (US$62.5 million) in Q2 2025, compared to RMB125.9 million used in financing activities in Q2 2024 [13] Business Outlook - The company projects total revenue for Q3 2025 to be between RMB1.4 billion and RMB1.6 billion, driven by loan growth in domestic and international markets [19]

能够激发市场避险情绪的事件越来越少。以色列和伊朗，6月24日正式结束冲突；泰国和柬埔寨7月28日结束冲突。现如今，持续三年多时间的 俄罗斯和乌克兰冲突，也面临偃旗息鼓的局面。 本周一，美国总统在与乌克兰总统泽连斯基会晤后表示，已经开始计划俄罗斯总统普京与泽连斯基的会晤，地点尚未确定。此次会晤后，特朗 普还将举行包括普京、泽连斯基和他本人的三方会晤。已经有政府官员声称，俄罗斯和乌克兰的会晤将会在未来两周内进行，地点有可能在匈 牙利。 从媒体报道来看，俄罗斯和乌克兰签署和平协议，已经是大概率事件。或者说，已经是市场的主流预期。延续三年多时间的避险情绪，在面对 和平协议大概率签署的局面时，将会彻底丧失对国际金价的提振作用。 黄金的最新报价在3338美元上下，距离历史最高点3499美元仅有161美元差距，金价依旧处于相对历史高位区间。但是，这种抗跌的属性并不主 要来自于避险属性，而是主要来自于美元指数的下跌。 特朗普入主白宫以来，各项激进的对内和对外措施，令华尔街以及全球金融机构无比紧张和失望。资金纷纷出逃美国，导致美元指数持续重 挫。今年1月份，美元指数最高触及110.18高点，现如今，美元指数最低跌至96.37， ...

Core Viewpoint - LianLian Digital (02598.HK) has announced that its wholly-owned subsidiary, LianLian Planet Limited, has obtained a Type 3 license from the Hong Kong Securities and Futures Commission, allowing it to conduct regulated activities related to leveraged foreign exchange trading in Hong Kong [1] Group 1 - The Type 3 license enables LianLian Planet to engage in regulated activities under the Securities and Futures Ordinance [1] - This development signifies a strategic expansion for the company into the leveraged foreign exchange trading market in Hong Kong [1]

Partnerships - CME announces a significant new partnership with FanDuel [1] - Partnership enables event contracts for various assets including stock prices, oil & gas, and crypto [1] Market Trends - Prediction market boom is just beginning [1] Product Offering - Event contracts available for basically anything [1] - Bet sizing starts as low as $1 [1]

Core Insights - Enova International will have its CFO, Steve Cunningham, present at the Jefferies Fintech Conference on September 3, 2025 [1] - The presentation will be in a fireside chat format and will be available via live audio webcast on the company's website [1] Company Overview - Enova International is a leading online financial services company that has provided over $63 billion in loans and financing to more than 13 million customers over the past 20 years [2] - The company focuses on serving small businesses and consumers who are underserved by traditional banks [2] - Enova utilizes machine learning algorithms, world-class analytics, and proprietary technology to offer a suite of market-leading financial products [2]

Core Insights - Credit Acceptance Corporation has been recognized as one of PEOPLE Magazine's 100 Companies That Care for the fourth consecutive year, ranking 44th, which is an improvement of 15 spots from the previous year [1] - The recognition reflects the company's commitment to a culture of compassion and support for team members, customers, and communities, which is believed to drive long-term success [2] - The company has received six workplace awards this year, including 34 on Fortune's 2025 100 Best Companies to Work For list and 2 on the 2025 Top Workplaces USA list [3] Company Overview - Credit Acceptance provides innovative financing solutions that enable automobile dealers to sell vehicles to consumers regardless of their credit history, thus facilitating vehicle ownership [5] - The company reports to three national credit reporting agencies, allowing consumers to improve their credit scores and access more traditional financing options [6] Recognition Process - The PEOPLE Magazine's 100 Companies That Care list is based on over 1.3 million employee survey responses and data from companies representing more than 8.4 million employees [4][7] - Rankings are derived from 60 employee experience questions within the Great Place To Work Trust Index Survey and validated essays submitted by participating companies [7] Community Impact - Credit Acceptance has delivered automobile financing to hundreds of thousands of underserved Americans and has engaged in various community initiatives, such as packing over 106,000 meals for local food banks and granting wishes through Make-A-Wish [8]

And welcome back to halftime with your we have your ETF edge. We're seeing two big pushes in the industry this week getting very different receptions. Let's jump right into it.Joining me now is independent ETF expert Dave Natig. Dave, thanks for joining us. Thanks for having me.All right, let's start off first. I get back to those two big players diving into the active management arena. We got billionaire investor Ron Baron launching his own fund and lowcost king Vanguard filing for a new fundamentals fund ...

St. Petersburg, Fla., Aug. 20, 2025 (GLOBE NEWSWIRE) -- Raymond James (NYSE: RJF) recently welcomed financial advisors Charlene Dolan, CFP®, AIF®, Danielle Holmes, CRPC®, AIF®, and John MacDonald, ChFC®, AIF®, to Raymond James Financial Services (RJFS) – the firm’s independent advisor channel – according to Alex David, Northeast divisional director for RJFS. The team arrives from Commonwealth Financial Network, where they managed over $120 million in client assets. As Linden Financial Group, based in Amesbu ...

Group 1 - Jim Wyckoff has over 25 years of experience in stock, financial, and commodity markets [1] - He has worked as a financial journalist and covered various futures markets in the U.S. [1] - Jim is the proprietor of an analytical, educational, and trading advisory service [2] Group 2 - He has held positions as a technical analyst for Dow Jones Newswires and as a senior market analyst with TraderPlanet.com [2] - Jim is also a consultant for the "Pro Farmer" agricultural advisory service [2] - He was the head equities analyst at CapitalistEdge.com [2] Group 3 - Jim provides daily market roundups and technical analysis on Kitco.com [3]

Core Viewpoint - Momentum investing focuses on "buying high and selling higher," contrasting with traditional strategies of "buying low and selling high" [1] Group 1: Momentum Investing Strategy - Momentum investing can be risky as stocks may lose momentum if future growth does not justify high valuations [1] - Identifying the right entry point for fast-moving stocks is challenging, and traditional momentum parameters may not always be reliable [1] Group 2: Bargain Stocks with Momentum - Investing in bargain stocks that have recently shown price momentum may be a safer strategy [2] - The Zacks Momentum Style Score is useful for identifying strong momentum stocks, while the 'Fast-Paced Momentum at a Bargain' screen helps find attractively priced stocks [2] Group 3: Jackson Financial (JXN) Analysis - Jackson Financial (JXN) has shown a four-week price change of 8.2%, indicating growing investor interest [3] - Over the past 12 weeks, JXN's stock gained 13.7%, and it has a beta of 1.46, suggesting it moves 46% more than the market [4] - JXN has a Momentum Score of B, indicating a favorable time to invest [5] - The stock has a Zacks Rank 2 (Buy) due to upward revisions in earnings estimates, which attract more investors [6] - JXN is trading at a Price-to-Sales ratio of 0.91, suggesting it is undervalued at 91 cents for each dollar of sales [6] Group 4: Additional Investment Opportunities - Besides JXN, there are other stocks that meet the 'Fast-Paced Momentum at a Bargain' criteria, presenting further investment opportunities [7] - Zacks offers over 45 Premium Screens to help investors find winning stock picks based on their investing style [8]