Core Insights - loanDepot, Inc. has appointed Nikul Patel as its Chief Growth Officer, indicating a strategic move to enhance growth opportunities and customer engagement [1] Company Developments - The appointment of Nikul Patel is seen as a significant addition to the leadership team, with expectations for transformational impact on the company's growth strategy [1] - Founder and CEO Anthony Hsieh emphasized Patel's impressive background and potential contributions to the company [1]

Core Insights - Enova International, a leading financial services company, will have its CFO, Steve Cunningham, present at the Stephens Investment NASH2025 Conference on November 19, 2025 [1] - The company has provided over $65 billion in loans and financing to more than 13 million customers over the past 20 years [3] Company Overview - Enova International (NYSE: ENVA) specializes in online financial services for small businesses and consumers underserved by traditional banks [3] - The company utilizes machine learning and advanced analytics to power its financial products [3] Event Details - The presentation will be in a fireside chat format and will take place at 11:00 a.m. Central Time / 12:00 p.m. Eastern Time [1] - A live audio webcast and an archive of the presentation will be available on Enova's website [2]

Core Insights - Paramount Skydance Corporation (PSKY) is set to report its third-quarter 2025 results on November 10, with revenue expectations of $6.79 billion, reflecting a 0.83% year-over-year increase, and earnings per share (EPS) estimated at 49 cents, unchanged from the previous year [1][9] Group 1: Earnings and Revenue Expectations - The Zacks Consensus Estimate for PSKY's third-quarter revenues is currently pegged at $6.79 billion, indicating a 0.83% increase from the year-ago quarter's reported figure [1] - The consensus mark for earnings is pegged at 49 cents per share, the same as the figure reported in the year-ago quarter, with the estimate remaining unchanged over the past 30 days [1] Group 2: Recent Performance and Trends - PSKY surpassed the Zacks Consensus Estimate for earnings in three of the trailing four quarters, while missing once, with an average negative surprise of 21.56% [2] - The Direct-to-Consumer segment is expected to have continued its positive trajectory, supported by the domestic debut of South Park and the finale of Dexter: Resurrection, which attracted 3.1 million global viewers [4] - The TV Media segment is anticipated to have maintained CBS' leadership position as the most-watched U.S. broadcast network, aided by the NFL season kickoff and live sports coverage [5] Group 3: Challenges and Costs - Integration and restructuring costs related to the merger with Skydance Media likely impacted profitability as PSKY pursued its $2 billion synergy target [6] - Ongoing linear subscriber declines continued to pressure affiliate and advertising revenues, while the Filmed Entertainment segment may have experienced weaker year-over-year comparisons due to fewer major theatrical releases [6][9] Group 4: Earnings Model Insights - According to the Zacks model, PSKY currently has an Earnings ESP of 0.00% and a Zacks Rank 3, indicating that the odds of an earnings beat are not favorable [7]

Core Insights - The company is expected to expand its scale, margins, and cash conversion through a pending credit issuer acquisition and AI-driven digital investments into 2026 [1] - FIS reported a 6.3% increase in revenue for the third quarter, reaching $2.7 billion, primarily driven by strong performance in banking and payments [2][3] Payments and Card Issuer Expansion - Payments remain a crucial growth engine for FIS, operating in a $53 billion U.S. market growing at 5% annually, with debit transactions increasing by 6% [4] - The company has achieved 50% recurring sales growth year-to-date and a 5% improvement in win rates [4] - The Money Movement Hub has signed 40 new clients, and the NYCE Network has seen sales more than double, with pipeline growth three times higher than a year ago [5] Digital Growth and AI Enablement - FIS' Digital One platform has experienced over 30% user growth as banks invest in digital integration and open banking capabilities [7] - The acquisition of Amount, an AI-based account opening platform, is accelerating digital growth, with seven new deals signed [7] - AI is integrated throughout the company, enhancing operations, client service, risk management, and product development [8] Core Modernization and Client Retention - Strong banking technology spending is noted, particularly in digital solutions and payments innovation, leading to higher renewal rates and expanding sales pipelines [11] - Annual contract value has increased by 13% since 2023, with renewal retention improving by 3% over two years [11] AI and the Next Phase of Growth - The company is leveraging AI across its operations, with over 75% of banks actively launching or piloting generative AI solutions [12] - FIS is investing in digital asset enablement through a partnership with Circle, connecting stablecoin payments to the Money Movement Hub [12] - The company aims to provide technology capabilities to financial services clients without competing directly in stablecoin issuance [13]

Core Insights - Dinari is collaborating with Chainlink to launch the S&P Digital Markets 50 Index, which will focus on blockchain-related equities and is expected to be operational by the end of the year [1][2]. Group 1: Index Details - The S&P Digital Markets 50 Index will consist of 35 U.S. listed firms connected to blockchain and 15 major digital assets, although the official asset list has not yet been released [3]. - After the index is established, Dinari will tokenize it using its dShares platform, ensuring a 1:1 tokenization ratio with shares held by a regulated custodian [3]. Group 2: Technology and Data Integration - Chainlink will provide real-time pricing and performance data for the index, creating a transparent on-chain benchmark that aligns with the off-chain index [4]. - The collaboration aims to enhance the reliability and integrity of tokenized benchmarks, reflecting a growing trend of integrating traditional financial systems with blockchain technology [4]. Group 3: Industry Context - The tokenization of equities has gained traction this year, with other firms like Backed and Robinhood also launching tokenized equity offerings [5]. - FTSE Russell has announced its partnership with Chainlink to publish market index data on blockchain networks, indicating a broader industry movement towards blockchain integration [6].

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Core Viewpoint - Fiserv, Inc. is facing a class action lawsuit due to misleading statements made during the Class Period from July 23, 2025, to October 9, 2025, which resulted in investors purchasing securities at inflated prices [1][3]. Summary by Relevant Sections Class Action Details - The class action is on behalf of investors who bought Fiserv securities during the specified Class Period, with a deadline of January 5, 2026, for filing a lead plaintiff motion [1]. - Investors are encouraged to contact the Portnoy Law Firm for legal rights discussions and case evaluations [2]. Allegations Against Fiserv - The lawsuit alleges that Fiserv made misleading statements regarding its initiatives and projects, particularly during a guidance revision in July 2025 [3]. - Fiserv claimed that despite delays in certain initiatives, they were fundamentally sound, which was later revealed to be false [3]. - The company's guidance was based on assumptions that were difficult to achieve, leading to artificially inflated security prices and subsequent damages when the truth was disclosed [3]. Legal Representation - The Portnoy Law Firm specializes in representing investors affected by corporate wrongdoing and has a history of recovering over $5.5 billion for clients [4].

Group 1 - Fidelity National Information Services, Inc. (FIS) has experienced a significant decline in share value, losing 30% over the past year [1] - Concerns regarding long-term growth in the payments sector are prevalent, particularly due to competition from fintech companies [1] - The sentiment around FIS has been negatively impacted by these ongoing growth concerns [1]

Financial Data and Key Metrics Changes - The company reported record first-quarter non-GAAP revenue of $636 million, an increase of 8.7% compared to the same quarter last year, exceeding the anticipated growth of 7-7.5% [4][19] - Non-GAAP operating margin improved to 27.2%, reflecting a margin expansion of 227 basis points year-over-year [4][19] - GAAP revenue increased by 7%, while non-GAAP revenue rose by 9%, with a notable impact from the timing of the Connect client conference [19][20] Business Line Data and Key Metrics Changes - The core segment saw non-GAAP revenue growth of 6%, with operating margins increasing by 114 basis points [24] - The payment segment experienced an 8% increase in non-GAAP revenue, with a 170 basis points improvement in operating margins [24] - The complementary segment achieved a 9% increase in non-GAAP revenue, along with a 75 basis points margin expansion [24][16] Market Data and Key Metrics Changes - The number of financial institutions using faster payment solutions like Zelle, RTP, and FedNow increased by 20%, 25%, and 32% respectively over the past year [15] - Payment transaction volume through these channels surged by 55% compared to the previous year [15] - The Banno digital platform registered 14.7 million users, a 15% increase from 12.7 million users a year ago [17] Company Strategy and Development Direction - The company is focusing on migrating clients to its private cloud, with 77% of core clients now operating in this environment, which generates approximately twice the revenue compared to on-premise clients [5] - The acquisition of Victor Technologies is aimed at enhancing payment capabilities and creating new revenue streams [9][10] - The company is actively developing solutions for stablecoin and has completed a proof of concept for USDC transactions [10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the overall performance and future growth, citing strong demand for technology solutions among clients [19][28] - The company anticipates continued investment in technology by clients, with 71% of banks reporting increased technology budgets for fiscal year 2025 [17] - Management noted that the competitive landscape remains stable, with no significant increase in pricing pressure [32] Other Important Information - The company ended the quarter with minimal debt and plans to remain debt-free barring any acquisitions [25] - The updated fiscal 2026 guidance includes an increase in GAAP revenue growth to a range of 4.9%-5.9% and non-GAAP revenue growth to 6%-7% [26][27] - The company is celebrating the 40th anniversary of its IPO with a bell ringing at NASDAQ [18] Q&A Session Summary Question: Sustainability of Margin Expansion - Management indicated that margin expansion is expected to continue due to disciplined spending and efficiencies from AI [30] Question: Competitive Environment and Core Conversions - Management noted that while there is ongoing core consolidation in the market, they do not see a significant increase in competitive pressure [32] Question: Sales Momentum and Private Cloud Conversions - Management confirmed that they expect to maintain a strong pipeline for private cloud migrations, with continued focus on selling outside the core [34][36] Question: Impact of M&A on Recurring Revenue - Management expects the number of core activity to remain stable despite M&A activity, with a strong pipeline supporting this outlook [38][40] Question: Trends in Customer Demand for Deposits and Lending - Management highlighted that maintaining deposit growth is currently a priority for clients, alongside increasing lending opportunities [44][46] Question: Revenue Growth and Pricing Compression - Management acknowledged that pricing compression has been a headwind but noted stabilization in pricing and improved sales processes [47][49] Question: Performance of New Payment Solutions - Management expressed optimism about the long-term growth potential of new payment solutions like Tap-to-Local and Rapid Transfers [55][57]

Accessibility StatementSkip Navigation LAS VEGAS, Nov. 5, 2025 /PRNewswire/ -- Grow Capital, Inc. (OTCID: GRWC) ("Grow Capital" or the "Company") a Nevada-based fintech company, today announced the appointment of Aaron Bradford ("Bradford") as the Company's Chief Technology Officer (CTO). In this role, Bradford will lead the Company's technology strategy, platform development, and innovation initiatives across an expanding portfolio of financial and retirement-technology products. "Aaron Bradford's appoint ...