Core Insights - Both Meta and Microsoft emphasize the need for significant capital spending in the AI sector, which is seen as disciplined and demand-driven rather than reckless [1][8]. Meta - Meta's CFO highlighted a trade-off between increased infrastructure investment and profitability, expecting 2026 operating income to exceed 2025 levels despite potential pressure on operating margins [2]. - The company projects 2026 capital expenditures of approximately $115–$135 billion, a significant increase from $72 billion in 2025, positioning it among the largest capex spenders in the AI and hyperscaler sectors [3]. - Meta's confidence is primarily based on its advertising business, which generated $59.89 billion in revenue for Q4, surpassing estimates and contributing to over $200 billion in annual revenue [4]. Microsoft - Microsoft reported a capital expenditure of about $37.5 billion in Q2 FY26, an increase from $34.9 billion in the previous quarter, reflecting a focus on AI and data-center build-outs [5][6]. - The investment strategy is centered on meeting sustained demand and optimizing asset capacity, with a strong cloud demand indicated by Microsoft Cloud exceeding $50 billion in quarterly revenue and Azure growing approximately 39% year-over-year [6][7]. - Microsoft achieved $81.3 billion in revenue for the quarter, a 17% year-over-year increase, although there were concerns about Azure's growth rate compared to previous quarters [7]. Overall Industry Perspective - The combined messages from Meta and Microsoft suggest that while AI-driven capital expenditures are increasing, a disciplined investment approach focused on monetization is expected to support sustainable growth and profitability [8].

4% from the current share price.| Year | Est. Revenue ($B) | Est. Net Income ($B) | Est. EPS Normalized | Price to Sales Multiple | Est. Market Cap ($B) || --- | --- | --- | --- | --- | --- || 2025 | $2.84 | $0.32 | $0.21 | 9.3 | $9.94 || 2026 | $3.45 | $0.584 | $0.43 | 9.3 | $12.08 || 2027 | $3.79 | $0.707 | $0.62 | 9.3 | $13.27 || 2028 | $4.33 | $0.902 | $0.83 | 9.3 | $15.16 || 2029 | $4.84 | $1.096 | $1.02 | 9.3 | $16.94 || 2030 | $5.34 | $1.279 | $1.10 | 9.3 | $18.69 |SoFi's current price-to-sales valua ...

SoFi Technologies reported a rise in fourth-quarter profit on Friday, lifted by strong loan demand and rapid growth in its feebased businesses. ...

Core Insights - Embedded finance is expected to grow significantly as various players integrate financial services into mobile applications, enhancing user experience and accessibility [1][2] Group 1: Embedded Finance Trends - Embedded finance will become a common aspect of daily life, with financial activities integrated into social media and other frequently used applications [2] - This integration allows brands to engage customers in their financial activities directly within the platforms they use [2][3] Group 2: Fintech Banking Charters - Several fintech companies, including Affirm Holdings, Checkout.com, Fiserv, PayPal Holdings, and Stripe, have pursued banking charters recently, indicating a trend towards fintechs becoming banks [4] - The process of obtaining a banking charter is selective, and not all companies will receive approval, as it depends on specific circumstances and regulatory considerations [5] Group 3: Agentic Finance - There is an anticipated increase in agentic finance, which will provide consumers with guidance on personal finance, including account management and financial product recommendations [6]

Innovation has been a key part of SoFi Technologies' incredible success. The thriving fintech enterprise is always thinking ahead in an effort to provide its 12.6 million members with new ways to handle their finances. That philosophy has driven huge revenue growth over the years. The digital banking powerhouse recently proved its product development prowess. In a related way, that move might demonstrate that the ultimate cryptocurrency has a clear use case. Where to invest $1,000 right now? Our analyst te ...

Paytm reported a third straight profitable quarter, helped by rising sales and cost cuts that have helped the Indian fintech pioneer rebound from regulatory troubles.Consolidated net income was ₹225 crore ($24.5 million) in the quarter through December, Paytm said Thursday in a disclosure to stock exchanges. Analysts expected ₹197 crore on average. Sales climbed 20% to ₹2,200 crore , in line with estimates.Founder Vijay Shekhar Sharma has reduced expenses, sold off units and deepened partnerships with India ...

Core Viewpoint - LendingClub (LC) is experiencing a pre- and post-earnings dip after trading at multi-year highs above $20, indicating a need to assess its growth prospects and cash flow strategy [1]. Company Overview - LendingClub is positioned in the fintech sector and is noted for its conservative growth approach, focusing on generating substantial cash flow rather than aggressive expansion [1]. Analyst Background - The analysis is led by Mark Holder, a CPA with extensive experience in investing and portfolio management, who provides insights through the investing group Out Fox The Street [1].

Hello and welcome to Market Domination. I'm Josh Lipton live from our New York headquarters. There's just an hour to go now until the closing bell and stocks are lower as Microsoft's plunge weighs on the S&P 500 and NASDAQ.Jared Blickery standing by with all the headlines. Jared, thank you. Josh, if you're just looking at the quotes right now, it doesn't look that bad, but it was kind of scary in the morning.Here's the Dow. And by the way, the Dow wasn't doing too bad. It was really centered in tech, the se ...

The U.S. government is considering selecting fintech Robinhood Markets for a key role in overseeing "Trump accounts" it is creating for millions of children, Bloomberg News reported on Thursday, citing people familiar with the matter. ...

Core Insights - Sezzle Inc. has appointed Lee Brading as the new Chief Financial Officer, effective February 1, 2026, succeeding Karen Hartje, who is retiring after nearly eight years in the role [1][2] - Brading has been with Sezzle since April 2020 and has played a significant role in the company's strategy and capital allocation, contributing to its transition to profitability in 2021 and its uplisting to NASDAQ in 2023 [2][3] Company Overview - Sezzle is a fintech company focused on empowering consumers through its digital payment platform, which offers point-of-sale financing options and digital payment services [5] - The company emphasizes transparency, inclusivity, and ease of use, aiming to help consumers manage their spending and achieve financial independence [5] Leadership Transition - Karen Hartje has been recognized for her instrumental role in Sezzle's growth from a private startup to a profitable public company, and she will continue to assist as a consultant during the transition [2] - Lee Brading's extensive experience in banking and his deep understanding of Sezzle's operations position him well to lead the company into its next growth phase [2][3] Background of New CFO - Lee Brading has over 30 years of experience in investment banking, previously serving as Managing Director and Global Head of Credit Research at Wells Fargo Securities [3] - He holds an MBA from The University of North Carolina and a BS in Business Administration and Accounting from Washington & Lee University, and is a Chartered Financial Analyst [3]