Stock market losses highlighted the expanding threat of AI-driven disruption for financial services and the sector's white-collar professionals. ...

NEW YORK (AP) — Rent can eat up an entire paycheck at the start of the month, so a growing number of renters are turning to a financial product that promises relief by letting them split the bill — for a price. So-called “rent now, pay later” services have emerged over the past few years as housing costs climb and paychecks grow less predictable, particularly for lower-income and gig-economy workers. According to the Bureau of Labor Statistics, rents have jumped nearly 28% in past five years. Companies ...

Core Viewpoint - Jim Wyckoff has extensive experience in the stock, financial, and commodity markets, contributing to his insights and analysis in these areas [1][2]. Group 1 - Jim Wyckoff has over 25 years of involvement in the stock, financial, and commodity markets, including experience as a financial journalist [1]. - He has worked with various news and advisory services, including Dow Jones Newswires and TraderPlanet.com, enhancing his analytical capabilities [2]. - Wyckoff provides daily market updates and technical analysis on Kitco.com, indicating his active engagement in market commentary [3].

Core Viewpoint - Bread Financial Holdings, Inc. is actively participating in the UBS Financial Services Conference, highlighting its commitment to engaging with investors and stakeholders in the financial services sector [1]. Company Participation - The company will have its Executive Vice President and Chief Financial Officer, Perry Beberman, participate in a fireside chat scheduled for February 11 at 12:10 p.m. ET, which will be broadcast live [1]. - The fireside chat will also be accessible through the company's investor relations website, with a replay available for 90 days post-event [2]. Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [3]. - The company provides various payment solutions, including general-purpose credit cards and savings products, aimed at empowering customers and enhancing their lifestyles [3]. - Additionally, Bread Financial supports growth for well-known brands in sectors such as travel, entertainment, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Company Milestone - In 2026, Bread Financial celebrates 30 years of success, reflecting its long-standing presence and performance in the financial services industry [4].

🚨UPDATE: CME GROUP POSTS $6.5B REVENUE IN 2025CME Group reports full-year 2025 revenue of $6.5B, reflecting steady trading activity and sustained demand for derivatives amid market volatility. https://t.co/p0IrlFC7YN ...

Core Insights - A high salary does not guarantee financial stability, as many individuals face overwhelming debt obligations that consume their income before discretionary spending can occur [1][4] - The situation of living paycheck to paycheck is prevalent among various income levels, with a significant percentage of American workers reporting financial strain [3] - Fixed monthly obligations, particularly housing costs, significantly impact disposable income and financial flexibility, exacerbated by rising costs of living and consumer debt [2][6] Group 1: Financial Strain - A Bankrate survey indicates that 34% of American workers live paycheck to paycheck, highlighting that financial instability is not limited to low-income households [3] - Lloyd's family, despite a $200,000 salary, struggles with a $4,500 monthly mortgage and $100,000 in consumer debt, illustrating the burden of fixed payments [2][4] Group 2: Emergency Preparedness - A Federal Reserve report reveals that 63% of adults can cover a $400 emergency expense, indicating that 37% would need to borrow or sell assets to manage such costs [5] - The reliance on future income to cover past debts reduces financial flexibility, making it difficult for families to adapt to unexpected expenses [6]

Core Insights - Evercore Inc. reported its fourth quarter and full year results, showing a slight decrease in net revenues for Q4 2025 compared to Q4 2024, with figures of $1,288.3 million and $1,298.1 million respectively [1] - The adjusted net revenues for the full year 2025 were $3,855.8 million, an increase from $2,979.6 million in 2024 [1] - Operating income for Q4 2025 was $312.2 million, up from $212.6 million in Q4 2024, indicating a strong performance in profitability [1] - The full year operating income also saw a significant increase, rising to $789.9 million in 2025 from $526.9 million in 2024 [1] - Net income attributable to Evercore Inc. for Q4 2025 was reported but not fully detailed in the provided data [1]

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源：金十数据 在周三的市场交易中，软件股及其他被认为面临人工智能风险的行业表现出的抛售潮毫无减弱迹象。摩 根大通认为，投资者的悲观情绪正愈演愈烈。 摩根大通分析师奥格（Toby Ogg）表示："目前的市场环境不仅是'有罪推定'，软件行业甚至正处于'未 审先判'的境地。" 在过去两周内，奥格与欧洲及美国的50多位投资者进行了会面。他发现，这些投资者在过去12到18个月 内已大幅削减了软件股的持仓。他在客户报告中指出，即便在经历了近期的回调之后，投资者的入场意 愿普遍依然较低。 此番言论发表于周二软件、金融服务及资产管理行业的暴跌之后。引发恐慌的诱因是Anthropic发布的 一款全新AI自动化工具，这使得投资者担心许多企业的业务正面临生成式AI日益严重的威胁。 对于软件公司而言，奥格认为仅仅超出预期的业绩已不足以说服市场。除非这些公司能够无可辩驳地证 明，AI是增长的持续动力，而非长期的阻碍。 对软件企业来说，要克服这一障碍十分困难，因为投资者的担忧是多方面的。其中之一便是按账户计费 的定价模式。如果AI工具能减少所需的账户数，这种收费 ...

RT Anthony Pompliano 🌪 (@APompliano)Drop your financial advisor.Replace them with artificial intelligence.Faster and cheaper. Plus they don't judge you.Try it free: https://t.co/587F3GAhpp ...

Summary of Key Points from the Conference Call Industry Overview - **Industry**: AI-driven new economy in China - **Context**: The new economy is rapidly catching up with global standards, particularly in technology sectors, leading to a tech-heavy equity rally in the market [1][4][7]. Core Insights and Arguments - **Economic Impact**: The new economy's growth is now macro-relevant, potentially offsetting the negative impact of the property sector on GDP. AI capital expenditure (capex) was estimated at approximately RMB 435 billion in 2025, expected to reach around RMB 3.3 trillion from 2025 to 2030 [34][37]. - **Job Displacement Risks**: AI could affect 31% of jobs in China, with 9.6% (approximately 70.3 million jobs) facing direct displacement risk. The services sector and young workers are particularly vulnerable [5][64][66]. - **Policy Recommendations**: To mitigate risks, policies should prioritize augmentation over substitution, strengthen the social safety net, and improve work-life balance to translate AI productivity gains into domestic consumption [6][82][88]. Additional Important Insights - **Consumer Sentiment**: Despite positive macroeconomic indicators, consumer confidence remains low, with readings around 90, significantly below the neutral benchmark of 100 [39]. - **Youth Employment**: The youth unemployment rate was elevated at 16.5% as of the end of 2025, with younger workers facing higher risks of job displacement compared to older age groups [64][70]. - **AI Governance**: Effective governance of AI is critical for investment and socio-economic stability. Policymakers are urged to consider the socio-economic consequences of AI deployment, similar to past regulatory approaches in the internet sector [82][88]. - **Work-Life Balance**: Improving work-life balance is seen as essential for enhancing domestic consumption, with potential policy shifts towards optimizing holiday arrangements and paid leave [88][89]. Conclusion The AI-driven new economy in China presents both significant opportunities and challenges. While it has the potential to drive GDP growth and technological advancement, it also poses risks of job displacement and requires careful policy management to ensure equitable benefits across society.