🚨JUST IN: ANIMOCA BRANDS, STANDARD CHARTERED BANK (HK), AND HKT LAUNCH ANCHORPOINT FINANCIAL TO PURSUE HKMA STABLECOIN ISSUER LICENSE ...

周五（8月8日）亚盘早盘，英镑兑美元暂报1.3440，涨幅0.01%，昨日收盘报1.3439。英国央行最新宣 布将利率下调至4%，但市场反应剧烈，英镑兑美元跳涨约半美分，同时英国国债收益率上涨、股市下 跌。 阻力位：1.3450-1.3460区间为英镑兑美元关键阻力，该区域不仅是近期反弹的高点附近，还叠加了下行 趋势线和50%斐波那契回撤位（自7月23日高点1.3585至8月1日低点1.3140的回撤），多头需突破此区域 才能打开进一步上行空间。若突破，下一阻力看向1.3500整数关口及7月23日高点1.3585。 这一看似矛盾的市场走势源于英国央行货币政策委员会内部的严重分歧，降息决议以窄于预期的5比4票 数通过，四名委员坚持维持利率不变。尽管就业市场疲软，但英国央行上调了通胀预测，预计通胀峰值 将达到其2%目标的两倍，即4%，且直到2027年第二季度才能回落至目标。KPMG首席经济学家评论 称，这种分歧反映了通胀前景面临的双重风险和政策制定者的不确定性。尽管英国央行重申将采取"渐 进和谨慎"的降息方式，但其声明暗示本轮降息周期可能即将结束，这进一步推高了市场的鹰派预期。 ...

Financial Performance - Ready Capital reported $16.9 million in revenue for the quarter ended June 2025, a year-over-year decline of 66.8% [1] - The EPS for the same period was -$0.14, compared to $0.07 a year ago, indicating a significant drop [1] - The reported revenue was a surprise of -55.9% compared to the Zacks Consensus Estimate of $38.32 million [1] - The EPS surprise was -1300% against the consensus estimate of -$0.01 [1] Key Metrics - Net interest income before provision for loan losses was $16.9 million, significantly below the average estimate of $38.32 million [4] - Total non-interest income (loss) was reported at $29.07 million, a change of -135.3% year-over-year, compared to the average estimate of $28.01 million [4] - Interest income was $152.74 million, down 34.8% from the year-ago quarter and below the estimated $173.19 million [4] - Net realized gain (loss) on financial instruments and real estate owned was $18.21 million, representing a +151.2% change year-over-year, exceeding the estimate of $14.45 million [4] - Servicing income, net was reported at -$0.3 million, a change of -109.3% year-over-year, compared to the average estimate of $5.82 million [4] Stock Performance - Shares of Ready Capital have returned -6.4% over the past month, while the Zacks S&P 500 composite increased by +1.2% [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance in the near term [3]

Core Viewpoint - Etoiles Capital Group Co., Ltd has successfully priced its initial public offering (IPO) of 1,400,000 Class A ordinary shares at $4.00 per share, aiming to raise approximately $5.6 million in gross proceeds before expenses [1][2]. Group 1: Offering Details - The IPO is set to commence trading on the Nasdaq Capital Market under the ticker symbol "EFTY" on August 8, 2025 [1]. - The company has granted underwriters a 45-day option to purchase an additional 210,000 Class A ordinary shares at the public offering price [1]. - The expected closing date for the Offering is around August 11, 2025, pending customary closing conditions [1]. Group 2: Use of Proceeds - Proceeds from the Offering will be allocated towards business expansion, technology infrastructure, strategic marketing, and general corporate purposes [2]. Group 3: Underwriting and Legal Counsel - The Offering was conducted on a firm commitment basis, with Prime Number Capital, LLC serving as the representative underwriter and sole book-runner [3]. - Legal counsel for the company includes Loeb & Loeb LLP for U.S. matters and Ogier for Cayman Islands matters, while Ye & Associates, P.C. provided counsel to the underwriting syndicate [3]. Group 4: Regulatory Filings - A registration statement on Form F-1 was filed with the U.S. Securities and Exchange Commission (SEC) and was declared effective on August 7, 2025 [4]. - The final prospectus related to the Offering was also filed with the SEC on the same date and is available through various channels [4]. Group 5: Company Overview - Etoiles Capital Group Co., Ltd is a Cayman Islands holding company operating through its Hong Kong subsidiary, Etoiles Consultancy Limited, providing comprehensive financial advisory and capital markets services [7].

Core Viewpoint - Atlanticus Holdings Corporation reported significant growth in its financial results for the second quarter of 2025, achieving a net margin growth of 35.8% compared to the previous year, with a total of 4 million accounts served [1][3][6]. Financial and Operating Highlights - Total operating revenue and other income increased by 24.8% to $393.8 million compared to the second quarter of 2024 [6][11]. - Managed receivables rose by 26.1% to $3.0 billion, driven by growth in private label credit and general purpose credit card products [6][8]. - The company originated a record 590,000 new accounts and funded a record $998 million in purchase volume during the quarter [3][6]. - Net income attributable to common shareholders increased by 57.8% to $28.4 million, or $1.51 per diluted share [21][29]. Management Commentary - The company emphasized that its growth was achieved without taking on additional risk, focusing instead on expanding access to its credit-as-a-service platform through marketing initiatives and partnerships [4][5]. - Management expressed optimism about future growth opportunities across all channels, aiming for consistent, profitable results [5][6]. Revenue Breakdown - The revenue sources included interest income, finance charges, late fees on consumer loans, and other fees related to credit products [9][11]. - The company expects continued growth in interest income and related fees throughout 2025, particularly in private label credit receivables [10][11]. Expense Analysis - Total operating expenses increased by 33.7% compared to the same period in 2024, primarily due to higher marketing costs and variable servicing costs associated with growth in receivables [17][19]. - Interest expense for the quarter was $53.7 million, up from $37.9 million in the prior year, driven by increased outstanding debt and borrowing costs [12][14]. Shareholder Returns - The company repurchased and retired 41,381 shares of common stock at a cost of $1.92 million during the quarter, indicating a commitment to enhancing shareholder value [22].

RT BSCN (@BSCNews)RIPPLE BOLSTERS ECOSYSTEM WITH A $200 MILLION PURCHASE OF TORONTO-BASED STABLECOIN PAYMENT FIRM, RAIL- @Ripple, the enterprise blockchain and crypto solutions giant, has announced its $200 million acquisition of Toronto-based@RailFinancial, a stablecoin-powered global payments platform.- This strategic move significantly boosts Ripple’s capabilities in providing compliant and scalable digital asset payment services worldwide.Key Details:- The acquisition, which is expected to close in Q4 2 ...

Core Insights - Oportun Financial Corporation reported a revenue of $234.3 million for the quarter ended June 2025, reflecting a year-over-year decline of 6.4% [1] - The earnings per share (EPS) for the same period was $0.31, compared to $0.08 a year ago, indicating a significant increase [1] - The revenue fell short of the Zacks Consensus Estimate of $239.43 million by 2.14%, while the EPS exceeded the consensus estimate of $0.22 by 40.91% [1] Revenue Breakdown - Non-interest income was reported at $16.1 million, surpassing the average estimate of $14.94 million, but showing a year-over-year decline of 15.3% [4] - Interest income amounted to $218.3 million, which was below the estimated $224.51 million, representing a 5.7% decrease compared to the previous year [4] - Non-interest income from servicing fees reached $3.6 million, exceeding the average estimate of $2.96 million, and showing a year-over-year increase of 4.1% [4] Stock Performance - Oportun Financial's shares have returned -11.5% over the past month, contrasting with the Zacks S&P 500 composite's increase of 1.2% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]

Core Insights - The article emphasizes the importance of evaluating a company's cash position over mere profit numbers, as cash is considered the lifeblood of a company and a true indicator of financial health [2][4][5] Company Analysis - Stocks such as Marubeni Corporation (MARUY), Materion Corporation (MTRN), Betterware de México, S.A.P.I. de C.V. (BWMX), Euroseas Ltd. (ESEA), and Shinhan Financial Group Co., Ltd. (SHG) are highlighted as potential investment opportunities due to their rising cash flows [3][10] - Marubeni Corporation has seen an 18.8% increase in its earnings estimate for FY March 2026 over the past week and holds a VGM Score of A [10][12] - Materion Corporation's earnings estimate has improved by 3.9% over the past week, with a current VGM Score of B [13] - Betterware de México's earnings estimate rose by 11.3% in the past month, and it has a VGM Score of A [14] - Euroseas Ltd. has experienced a 2.8% increase in its earnings estimate for the current year, holding a VGM Score of B [15] - Shinhan Financial Group's earnings estimate improved by 7.1% over the last month, and it has a VGM Score of A [16] Cash Flow Analysis - Positive cash flow indicates an increase in liquid assets, allowing companies to meet obligations, reinvest, and return wealth to shareholders, while negative cash flow suggests declining liquidity [6] - Companies must not only maintain positive cash flow but also ensure it is increasing to demonstrate management efficiency and reduced dependency on external financing [7] - A screening process was employed to identify stocks with increasing cash flow, focusing on those whose latest cash flow was at least equal to or greater than the 5-year average cash flow per share [8]

Core Insights - CNH Industrial reported second-quarter 2025 adjusted earnings per share (EPS) of 17 cents, down from 38 cents in the prior-year quarter, but above the Zacks Consensus Estimate of 16 cents [1][10] - Consolidated revenues for the second quarter declined nearly 14% year-over-year to $4.71 billion, exceeding the Zacks Consensus Estimate of $4.53 billion [2] Segment Performance - Agriculture segment net sales fell 17% year-over-year to $3.25 billion due to lower shipment volume, but exceeded the estimate of $3 billion; adjusted EBIT decreased 48% to $263 million, surpassing the estimate of $235.9 million [3] - Construction segment sales declined 13% year-over-year to $773 million, missing the estimate of $803.5 million; adjusted EBIT fell 42% to $35 million, beating the estimate of $23.2 million [4] - Financial Services segment revenues decreased 0.3% to $685 million, surpassing the estimate of $657.7 million; net income from this segment dropped from $91 million to $87 million [5] Financial Overview - As of June 30, 2025, CNH Industrial had cash and cash equivalents of $2.51 billion, down from $3.19 billion at the end of 2024; total debt increased to $27.41 billion from $26.9 billion [6] - The company reported net cash provided by operating activities of $934 million, compared to a net cash used of $515 million in the prior year [6] - Free cash flow from industrial activities was $451 million, up from $140 million in the second quarter of 2024 [7] Guidance for 2025 - CNH Industrial expects Agriculture sales to decrease by 12-20% year-over-year, with adjusted EBIT margin projected between 7-9%; Construction sales are anticipated to decline by 4-15%, with adjusted EBIT margin expected between 2-4% [8] - The company forecasts free cash flow from industrial activities in the range of $100-$500 million and adjusted EPS between 50 cents and 70 cents for 2025 [8][10]

RT Rail (@RailFinancial)Big news: Rail is joining @Ripple!A huge milestone in our mission to build trusted, enterprise-grade infrastructure for global payments.We power 10%+ of all B2B stablecoin volume. Now, with Ripple’s backing, we’re scaling even faster. 🌍Thank you to our team, clients, partners, and investors — more to come.🔗https://t.co/CXKx5HVkj5 ...