Group 1 - The decline in Fiserv (FISV) following a poor Q3 2025 guidance presents an opportunity for investors to consider initiating new positions [1] - Current stock levels are influenced more by market momentum rather than fundamental performance [1] - The analysis emphasizes the importance of understanding macroeconomic trends and corporate earnings for investment decisions [1]

Core Viewpoint - Walmart Inc. will be added to the Nasdaq-100 Index and related indices, replacing AstraZeneca PLC, effective January 20, 2026 [1][2]. Group 1: Index Changes - Walmart Inc. will replace AstraZeneca PLC in the Nasdaq-100 Index, the Nasdaq-100 Equal Weighted Index, and the Nasdaq-100 Ex-Tech Sector Index [2]. - AstraZeneca PLC will also be removed from multiple other indices, including the Nasdaq-100 ESG Index and the Nasdaq-100 Low Volatility Index, prior to market open on January 20, 2026 [2]. Group 2: Nasdaq-100 Index Overview - The Nasdaq-100 Index tracks the performance of 100 of the largest non-financial companies listed on the Nasdaq Stock Market, covering various industries such as technology, retail, healthcare, and media [3]. - The index is recognized globally and reflects the dynamics of the 21st-century economy [3]. Group 3: Nasdaq Global Indexes - Nasdaq Global Indexes has been a leader in market-driven index solutions since 1971, offering a range of indexes that reflect today's dynamic markets [4]. - The mission of Nasdaq Global Indexes is to create innovative opportunities for financial product sponsors and asset managers [4]. Group 4: Nasdaq Company Overview - Nasdaq is a leading global technology company that serves various financial market participants, aiming to enhance liquidity, transparency, and integrity in the global economy [5]. - The company provides a diverse range of data, analytics, and software solutions to help clients optimize their business strategies [5].

Fiserv has launched a new analytics capability designed to help merchants and their marketing partners better understand in-store customers.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The new Unknown Shopper so ...

Core Insights - Dave Inc. (DAVE) experienced a 49% year-over-year increase in ExtraCash originations, reaching $2 billion in the third quarter of 2025, raising concerns about credit risks [1][8] Group 1: Financial Performance - The company reported a 49% year-over-year rise in ExtraCash originations, amounting to $2 billion in Q3 2025 [1][8] - DAVE's net monetization rate improved by 45 basis points compared to the previous year, indicating enhanced underwriting precision [3] - The stock price surged by 177.5% over the past year, outperforming peers Jamf (down 7.8%) and Kyndryl Holdings (down 27.8%), while the industry overall gained 16.9% [5] Group 2: Technology and Risk Management - DAVE has integrated its proprietary AI and machine learning model, CashAI v5.5, which is trained on over 7 million ExtraCash originations, resulting in a reduction of the 28-day delinquency rate to 2.33% from 2.4% in the previous quarter [2][8] - The partnership with Coastal Community Bank is crucial for maintaining high ExtraCash originations while managing credit risks, allowing for efficient customer onboarding and supporting a capital-light model [4][8] Group 3: Valuation and Estimates - DAVE's forward price-to-earnings ratio stands at 16.77, higher than Jamf's 13.08 and Kyndryl Holdings' 8.94 [9] - The Zacks Consensus Estimate for DAVE's earnings is $12.96 per share for 2025 and $14 for 2026, remaining unchanged over the past 30 days [12]

Core Insights - MercadoLibre is projected to potentially triple in value over the next decade, making it a strong investment opportunity for 2026 [1] - The company has demonstrated consistent revenue growth, achieving over 1,500% increase in revenue over the past seven years with at least 30% year-over-year growth for 27 consecutive quarters [2] Business Performance - MercadoLibre's e-commerce segment is thriving, with nearly 77 million active buyers, a 26% increase, and a 39% rise in items sold in Q3 [6] - The advertising revenue is accelerating, with growth rates of 41%, 50%, 59%, and 63% over the last four quarters, contributing positively to profit margins [7] Logistics and Efficiency - Despite concerns over profit impacts from lowering the free shipping threshold in Brazil, MercadoLibre is improving shipping efficiency, with shipping expenses per item sold dropping 8% quarter over quarter [8][9] - The company is utilizing robotics in warehouses and optimizing network utilization to reduce costs, which supports long-term growth strategies [9] Financial Services Growth - MercadoLibre's fintech services have over 72 million active monthly users, reflecting a 29% increase, and the company is expanding its offerings in credit and lending services [10] Revenue Potential - The company is expected to reach nearly $100 billion in annual revenue within a decade if it maintains low double-digit annual growth rates, indicating significant growth potential in an underpenetrated market [11] Valuation - MercadoLibre's market cap is approximately $110 billion, with a trailing-12-month cash from operations of about $7.7 billion, resulting in a valuation of around 14 times its operating cash flow, which is considered historically cheap [12] - Compared to Amazon, which trades at 20 times its cash from operations, MercadoLibre's faster growth and longer runway for expansion suggest it is undervalued [13] Future Growth Opportunities - The company is likely to explore new growth avenues, particularly in advertising, which has recently become a significant revenue source, indicating potential for further expansion beyond current business units [14]

Core Insights - PayPal is collaborating with Microsoft to launch Copilot Checkout, enhancing AI-powered shopping experiences for consumers and merchants [1][3] - The integration of PayPal's services with Copilot's platform aims to facilitate seamless transactions, marking a shift towards autonomous commerce [3][4] Group 1: Partnership Details - The partnership allows shoppers to browse and pay directly within Copilot, with PayPal providing features like merchant inventory display, branded checkout, guest checkout, and credit card payments [2] - This collaboration is part of PayPal's strategy to support merchants and consumers in evolving shopping experiences driven by AI [3] Group 2: Industry Trends - The emergence of agentic AI is transforming traditional eCommerce models, moving from assistive AI tools to systems that can autonomously execute transactions [4][5] - Recent research indicates that agentic AI is prompting retailers to reconsider how products are discovered and purchased when the decision-maker is an AI rather than a human [5] Group 3: Additional Collaborations - PayPal has also partnered with Paychex to offer employees early access to their paychecks through PayPal Direct Deposit, reflecting a growing demand for instant payroll solutions [6] - Over 80% of workers aged 18 to 44 prefer daily access to wages, highlighting the importance of flexible payment options in today's economic climate [7]

Payments/financial services technology provider Fiserv has launched an AI-focused partnership with Microsoft.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.This new collaboration is designed to further embed artif ...

Core Viewpoint - Kaskela Law LLC is investigating the proposed acquisition of Green Dot Corporation to assess the fairness of the transaction for shareholders [1][3]. Group 1: Acquisition Details - On November 24, 2025, Green Dot announced agreements to be acquired by Smith Ventures and CommerceOne Financial Corporation [2]. - Smith Ventures will acquire and privatize Green Dot's non-bank financial technology business assets and operations, while CommerceOne will acquire Green Dot Bank and its associated assets and operations [2]. - If the transaction is completed, each share of Green Dot common stock will be exchanged for $8.11 in cash and 0.2215 shares of the new publicly traded bank holding company [2]. Group 2: Investigation Findings - The investigation has revealed significant conflicts of interest, suggesting that the sales process and consideration may be unfair to the company's shareholders [3].

Group 1 - Fiserv, Inc. (NASDAQ:FISV) experienced a significant decline, with a 67% drop noted by Jim Cramer, including a 44% decrease in a single session following a disappointing quarterly report and a revised full-year forecast [1] - The new CEO, Mike Lyons, criticized previous management for focusing on short-term goals at the expense of long-term investments, indicating potential issues within the company's strategic direction [1] - Despite acknowledging Fiserv's potential, there are concerns about its current performance, leading to a recommendation to wait for a bounce before considering investment [2] Group 2 - Fiserv provides technology solutions for payments and financial services, including areas such as merchant acquiring, digital banking, fraud prevention, and payment processing [2] - The stock's ongoing decline raises questions about the company's stability, with the CEO's explanations failing to reassure investors [2] - Comparatively, certain AI stocks are viewed as having greater upside potential and lower downside risk, suggesting a shift in investment focus away from Fiserv [2]

Core Insights - Nasdaq, Inc. (NDAQ) is a technology company valued at $55.2 billion, providing various services including trading, clearing, and financial information [1] - The company is expected to announce its fiscal fourth-quarter earnings for 2025 on January 29, 2026, with analysts predicting a profit of $0.91 per share, a 19.7% increase from the previous year [2] - For the full fiscal year 2025, analysts forecast an EPS of $3.43, representing a 21.6% increase from $2.82 in fiscal 2024, with further growth expected to $3.81 in fiscal 2026 [3] Performance Metrics - NDAQ stock has outperformed the S&P 500 Index, gaining 31.5% over the past 52 weeks compared to the index's 17.1% [4] - The company's financial performance is bolstered by a strategic focus on high-growth segments in financial technology [5] - In its Q3 results, NDAQ reported an adjusted EPS of $0.88, exceeding Wall Street's expectations, with net revenue of $1.32 billion also surpassing forecasts [5] Analyst Sentiment - The consensus opinion on NDAQ stock is moderately bullish, with 11 out of 18 analysts recommending a "Strong Buy" and an average price target of $107, indicating a potential upside of 6.6% [6]