Core Viewpoint - RYVYL Inc. is repositioning its business to focus on crypto treasury management, with a core strategy aimed at building a crypto treasury to support long-term growth [1][2]. Company Leadership Changes - Ben Errez, Chairman and Co-founder of RYVYL, will retire effective August 31, 2025, but will continue to advise the company independently through the end of the year [1][2]. Strategic Business Shift - The company announced a digital asset acquisition strategy on June 16, 2025, planning to accumulate crypto as a reserve asset, viewing it as a long-term store of value and a means to enhance financial resilience [2][3]. - The decision to shift the business reflects a long-term approach to integrating digital assets into the treasury, aiming to enhance balance sheet strength and position the company for future financial innovation [3]. Company Background - RYVYL Inc. was founded in 2017 as GreenBox POS and focuses on empowering various payment transactions globally through electronic payment technology [3]. - The company has developed applications that provide an end-to-end suite of financial products with enhanced security, data privacy, and rapid settlement speed [3].

Core Viewpoint - The complaint against Fiserv alleges violations of federal securities laws due to misleading statements regarding the performance and growth of its Clover platform, particularly following the forced migration of Payeezy merchants [2]. Group 1: Allegations Against Fiserv - Fiserv allegedly forced Payeezy merchants to migrate to its Clover platform due to issues with the older Payeezy platform [2]. - The revenue growth and gross payment volume (GPV) of Clover were temporarily inflated by these forced conversions, masking a slowdown in new merchant business [2]. - A significant number of former Payeezy merchants reportedly switched to competitors due to Clover's high pricing and compatibility issues, leading to a slowdown in Clover's GPV growth [2]. Group 2: Market Reaction and Stock Performance - On April 24, 2025, Fiserv reported Clover GPV growth of only 8% for Q1 2025, a decline from 14-17% in 2024, resulting in an 18.5% drop in stock price to $176.90 [3]. - On May 15, 2025, Fiserv disclosed that GPV growth deceleration would persist throughout 2025, causing a further 16.2% decline in stock price to $159.13 [3]. - On July 23, 2025, Fiserv lowered its full-year organic growth guidance and reported a deceleration in quarterly organic revenue growth to 9% year-over-year, leading to a 13.9% drop in stock price to $143.00 [3].

Cloud-native merchant acquiring solution is part of Jack Henry's SMB strategy MONETT, Mo., Aug. 14, 2025 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) today announced the initial launch of Tap2Local™, a new digital payments solution that enables banks and credit unions to meet the evolving needs of their small and medium-sized business (SMB) customers. Developed in collaboration with Moov, a modern digital payments processor, the cloud-native Tap2Local solution offers merchants many distinguishing features. Th ...

Summary of Paymentus Conference Call Company Overview - **Company**: Paymentus - **Industry**: Fintech, Payment Processing Key Points Financial Performance - **Q2 Revenue Growth**: Revenue increased by 42% year-over-year [3] - **Transaction Volume**: Transactions rose by 25% [4] Business Model and Strategy - **Platform Design**: Paymentus has a vertically agnostic, horizontally scalable platform designed to serve a wide range of customers, regardless of size [4][5] - **Focus on Nondiscretionary Spending**: The company targets essential bills, which positions it favorably against economic downturns [6][19] - **Operating Leverage**: Strong operating leverage allows for margin improvement while serving large enterprise customers [7][31] Market Opportunities - **Verticals with Strong Momentum**: Key verticals include utilities, insurance, government services, and telecommunications, all showing strong growth [5][6] - **AI Integration**: The introduction of AgenTiC AI is expected to enhance customer experience and internal processes, driving future revenue growth [10][12] Competitive Advantage - **Unique Instant Payment Network**: Paymentus offers a proprietary network that allows businesses to reach all customers, not just those on its platform [13][16] - **Customer Acquisition Strategy**: The company has improved its onboarding process, making it easier for clients to transition from legacy systems [23][24] Macroeconomic Resilience - **Diversification**: Expanding into multiple verticals has reduced the company's exposure to macroeconomic risks [21][22] - **Historical Resilience**: Paymentus has successfully navigated past economic challenges, including the 2008 financial crisis and COVID-19 [19][20] Financial Outlook - **Sustainable Margins**: Incremental adjusted EBITDA margin is at 54%, with expectations for continued improvement [31] - **Long-term Growth Projections**: The company anticipates a 20% CAGR in top-line growth and 30% growth in adjusted EBITDA over the long term [34] Capital Allocation and M&A Strategy - **Focus on Organic Growth**: Paymentus prioritizes organic growth and maintains a strong balance sheet with approximately $300 million in working capital [35][36] - **Opportunistic M&A**: While not actively pursuing M&A, the company remains open to opportunities that may arise [36][37] Future Outlook - **Market Potential**: The company sees a significant market opportunity, with trillions of dollars in potential revenue as digital payments continue to grow [40][41] - **Excitement for Growth**: Management expresses confidence in the company's ability to capitalize on its market position and operational strengths [42][44] Additional Insights - **Customer-Centric Approach**: Paymentus emphasizes the importance of customer satisfaction and adaptability in its service offerings [9][25] - **Technological Advancements**: The company is committed to leveraging technology to enhance its platform and service delivery [11][12] This summary encapsulates the key insights from the Paymentus conference call, highlighting the company's financial performance, strategic initiatives, market opportunities, and future outlook.

Financial Performance - Q2 2025 - Revenue reached $428 million[5], a 3% decrease year-over-year[21, 45] - Organic revenue grew by 5% year-over-year[21, 45] - Adjusted EBITDA was $105 million[5], a 12% decrease year-over-year[21] - Unlevered Free Cash Flow (uFCF) was $53.869 million[54] - Adjusted net income was $0.46 million[5] Segment Performance - Merchant Solutions revenue was $232.2 million[39] - Digital Wallets revenue was $201.2 million[39] - Merchant Solutions organic revenue growth was 6%[25, 47] - Digital Wallets volume increased by 15%[26] Financial Position - The company has a net leverage ratio of 5.4x[5] - Total debt is $2.551 billion[27] - Net debt is $2.285 billion[27] - Available liquidity is $414 million[27]

Core Viewpoint - PayPal is identified as a top investment pick due to its profitable growth trajectory and consistent stock repurchase strategy, despite market pessimism regarding its growth prospects [1]. Company Analysis - PayPal continues to demonstrate profitable growth while engaging in stock buybacks, indicating strong financial health and shareholder return strategies [1]. - The management has indicated that unbranded processing is a key area of focus, suggesting potential for future growth despite current market skepticism [1]. Analyst Insights - The analyst emphasizes a strategy of identifying undervalued companies with long-term growth potential, focusing on those with robust balance sheets and effective management teams [1].

Financial Performance - Q2 2025 - Revenue increased by 1% year-over-year, from $74.9 million in Q2 2024 to $75.6 million in Q2 2025 [13] - Gross profit decreased by 2% year-over-year, from $58.6 million in Q2 2024 to $57.2 million in Q2 2025 [13] - Adjusted EBITDA decreased by 6% year-over-year, from $33.7 million in Q2 2024 to $31.8 million in Q2 2025 [13] - Free cash flow increased by 17% year-over-year, from $19.3 million in Q2 2024 to $22.6 million in Q2 2025 [13] - Free Cash Flow conversion increased from 57% to 71% [13] Segment Performance - Consumer Payments revenue increased by 2% year-over-year, from $69.3 million in Q2 2024 to $70.5 million in Q2 2025 [18] - Business Payments revenue increased by 9% year-over-year excluding political media, but decreased by 3% as reported [21] Liquidity and Debt - Total liquidity was $413 million as of June 30, 2025 [25, 49] - Net leverage ratio was 2.5x as of June 30, 2025, with net debt of $345 million and LTM Adjusted EBITDA of $137 million [27] Outlook - The company reiterates its previously provided financial outlook and expects sequential quarterly acceleration in normalized growth year-over-year [32]

Core Viewpoint - A class action securities lawsuit has been filed against Flywire Corporation, alleging securities fraud that affected investors between February 28, 2024, and February 25, 2025 [1][2]. Group 1: Allegations - The lawsuit claims that Flywire's revenue growth was overstated, and the negative impact of permit and visa-related restrictions on its business was understated [2]. - Defendants' public statements regarding Flywire were allegedly materially false and misleading throughout the relevant period [2]. Group 2: Legal Process - Investors who suffered losses during the specified timeframe have until September 23, 2025, to request appointment as lead plaintiff [3]. - Participation in the lawsuit does not require serving as a lead plaintiff, and there are no out-of-pocket costs for class members [3]. Group 3: Law Firm Background - Levi & Korsinsky has a history of securing hundreds of millions of dollars for shareholders and is recognized as one of the top securities litigation firms in the United States [4].

https://securitiesclasslaw.com/securities/flywire-corporation-loss-submission-form/?id=160436&from=4 CLASS PERIOD: February 28, 2024 to February 25, 2025 NEW YORK, Aug. 11, 2025 /PRNewswire/ -- The Gross Law Firm issues the following notice to shareholders of Flywire Corporation (NASDAQ: FLYW). Shareholders who purchased shares of FLYW during the class period listed are encouraged to contact the firm regarding possible lead plaintiff appointment. Appointment as lead plaintiff is not required to partake in a ...

Core Insights - The article discusses the investment outlook for Visa (NYSE: V), suggesting a potential sell position until a more favorable buying opportunity arises [1]. Company Analysis - The author has a long-standing investment strategy focused on US equities since 2018, emphasizing a conservative approach to investing [1]. - The analysis model used is a combination of quantitative and fundamental analysis, which allows for an objective assessment of public companies, excluding banks, insurance companies, and REITs [1]. - The focus is on comprehensive analysis of financial statements for mega and large-cap companies, with updates conducted quarterly [1]. Investment Strategy - The primary investment strategy involves regularly purchasing shares with a portion of income intended for long-term holding [1]. - The goal is to provide private investors with an independent perspective on large, well-known companies through factual analysis [1].