Presentation Title in Title Case Presentation subtitle in sentence case Fourth Quarter 2025 Earnings Supplement Presenter Name Event name xx Month 201x © 201X Virtu Financial. All rights reserved. Not to be reproduced or retransmitted without permission. Compliance #XXXX-XXXX Performance Highlights Normalized Adj. EPS1 $1.85 4Q 2025 Key Financials Summary Recent Results Adj. NTI1 $613M Adj. NTI/day1 $9.7M Adj. EBITDA1 $442M Adj. EBITDA Margin1,2 72% Debt to LTM Adj. EBITDA1 1.5x $5.5M $6.4M $7.3M $5.4M $7.8 ...

This presentation contains certain non-GAAP financial measures that our management believes best reflects the underlying performance of our operations. Reconciliations of such non-GAAP financial measures to the most directly comparable GAAP financial measure have been provided along with the presentation and can be found on our website at www.ir.ameriprise.com. © 2026 Ameriprise Financial, Inc. All rights reserved. 2 Consolidated Results Ameriprise Financial Fourth Quarter 2025 Conference Call January 29, 2 ...

Core Insights - Alpha Modus Financial Services has entered into a commercial agreement with Prepay Nation to enhance its Alpha Cash app and digital wallet offerings, providing a comprehensive suite of prepaid services [1][4] Group 1: Partnership and Services - The agreement allows Alpha Cash users to access Prepay Nation's global digital value distribution network, facilitating secure delivery of prepaid mobile top-ups and digital gift cards [2] - These services are designed to support communication and everyday needs, particularly in situations where traditional banking options are inadequate [2] - The integration aims for real-time delivery of prepaid value while ensuring transaction transparency within Prepay Nation's compliance and data security frameworks [4] Group 2: Strategic Goals and Market Position - Chris Chumas, Chief Strategy Officer, emphasized that the agreement is intended to accelerate revenue and cash flow while strengthening the ecosystem for delivering value to consumers [4] - The partnership follows a pilot program with a national retailer and an agreement with SurgePays, positioning Alpha Cash to offer a full suite of services for the underbanked [4] - The rollout of kiosks in Q1-2026 is expected to enhance distribution networks and drive immediate value for investors [4] Group 3: Company Overview - Alpha Modus Holdings, Inc. is a vertical AI company focused on real-time shopper engagement and attribution through its patented retail AI framework [5] - The company aims to merge artificial intelligence, retail media, and financial access across the physical retail landscape through its subsidiaries [5]

SoFi Technologies, Inc. (NASDAQ:SOFI) is among the Growth Stock Portfolio: 12 Stock Picks By Cathie Wood. GoTu and SoFi at Work Collaborate to Provide Resources for Financial Well-being On January 20, 2026, TheFly reported that GoTu Technology has formed a private agreement with SoFi Technologies, Inc. (NASDAQ:SOFI) to give GoTu professionals access to SoFi at Work financial well-being tools. Eligible GoTu users will be able to benefit from new tools for debt management, long-term financial stability, an ...

Last year, most Americans believed you needed $1.26 million to retire comfortably, according to Northwestern Mutual. But can you retire with less? And what if you have only your Social Security benefits? For many retirees, Social Security accounts for the bulk, or even the entirety, of their retirement income. According to experts, here’s what a realistic budget would look like for retirees who depend solely on Social Security. Can You Retire on Social Security Alone in 2026? “Retiring exclusively on S ...

Robinhood Markets, Inc. (NASDAQ:HOOD) is among the Growth Stock Portfolio: 12 Stock Picks By Cathie Wood. Argus is Bullish on Robinhood Markets, Inc. (HOOD) Argus started reporting on Robinhood Markets, Inc. (NASDAQ:HOOD) with a $145 price target and a buy rating. Based on theFly, the firm formally commenced coverage of the stock on January 9, 2026. Barclays also reduced the price target for Robinhood Markets, Inc. (NASDAQ:HOOD) from $171 to $159 on January 8, 2026, and kept its Overweight rating. Ahead ...

Core Insights - The age of Social Security eligibility is just one factor in determining retirement success, with financial sustainability, health care, and longevity being critical considerations [1] Group 1: Retirement Preparedness - 35% of pre-retirees report insufficient retirement savings to retire comfortably at their ideal age, while 34% fear outliving their savings [2] - Generation X, aged 45 to 60, is notably unprepared for retirement, with average savings of $6,000 for women and $13,000 for men, and only 14% having access to traditional pensions [3] - The ideal retirement age is considered to be 63, with the average retirement age currently at 62, which aligns with the earliest age for claiming Social Security benefits [4] Group 2: Social Security Concerns - Nearly 50% of Americans may be making significant mistakes regarding Social Security, which could lead to reduced benefits if they retire early [5][6] - The AARP indicates that 12% of men and 15% of women rely solely on Social Security for retirement income, raising concerns about the system's sustainability as the trust fund may deplete by 2033 [7] - The Social Security Administration warns that the OASI trust fund could be depleted by late 2032, earlier than previous estimates [8] Group 3: Longevity and Retirement Timing - The average life expectancy in the U.S. is 78.4 years, with many Americans living into their 80s and 90s, necessitating a larger nest egg for those retiring at 62 [9] - The ideal retirement window is suggested to be between 65 and 67 years old, allowing for additional savings and eligibility for Medicare, which reduces health care costs [21] - Retirement planning is not one-size-fits-all; individual circumstances such as health and savings levels can justify early retirement [22][23]

Core Insights - Bread Financial Holdings, Inc. reported a net loss rate of 7.4% and a delinquency rate of 5.8% as of December 31, 2025, showing stability compared to the previous year [1] - The company has a total of $18.805 billion in end-of-period credit card and other loans, with a year-over-year change in average loans of -1% [1] Financial Performance - For the three months ended December 31, 2025, the average credit card and other loans were $18.474 billion, slightly down from $17.961 billion [1] - Net principal losses for the period were reported at $116 million, with total net losses amounting to $336 million [1] - The delinquency rate decreased from 5.9% in December 2024 to 5.8% in December 2025, indicating a slight improvement in credit performance [1] 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 [2] - The company has been operational for 30 years, focusing on empowering customers through its financial products [3]

Group 1 - The "Lujiazui Financial Salon" 2026 series has commenced, focusing on empowering financial services to stimulate new consumption engines in Pudong [1][3] - Pudong New Area is a core area for Shanghai's international financial center, housing 3,800 financial institutions, contributing significantly to Shanghai's financial value-added [1] - The salon will host 40 events throughout the year, gathering insights from over 200 guests, including international representatives from countries such as the US, UK, France, Switzerland, Italy, South Korea, and Singapore [3] Group 2 - Future activities of the "Lujiazui Financial Salon" will leverage global resources to create a professional exchange platform that supports Pudong's development and promotes innovation in the financial industry [4] - The salon aims to continuously output financial reform insights from Pudong, enhancing the high-quality development of the Pudong economy and contributing to the advancement of Shanghai's international financial center [4]

Core Viewpoint - Virtu Financial, Inc. reported strong financial results for the fourth quarter and full year of 2025, showcasing significant revenue growth and improved profitability metrics. Financial Results Fourth Quarter 2025 - Total revenues increased by 16.3% to $969.9 million compared to $834.3 million in Q4 2024 [3] - Trading income, net, rose by 22.2% to $664.9 million from $544.0 million in the same quarter of the previous year [3] - Net income for the quarter was $280.6 million, up from $176.1 million in Q4 2024 [3] - Basic and diluted earnings per share were $1.54, compared to $1.03 for the same period in 2024 [4] Full Year 2025 - Total revenues increased by 26.2% to $3,632.1 million from $2,876.9 million in 2024 [7] - Trading income, net, grew by 33.7% to $2,436.7 million compared to $1,822.4 million in 2024 [7] - Net income for the year was $912.3 million, up from $534.5 million in 2024 [7] - Basic and diluted earnings per share were $5.14 and $5.13, respectively, compared to $2.98 and $2.97 in 2024 [7] Adjusted Financial Metrics Fourth Quarter 2025 - Adjusted Net Trading Income increased by 34.0% to $613.4 million from $457.7 million in Q4 2024 [5] - Adjusted EBITDA rose by 55.9% to $442.0 million compared to $283.5 million in the same quarter of 2024 [5] - Normalized Adjusted Net Income increased by 61.6% to $294.5 million from $182.2 million in Q4 2024 [5] Full Year 2025 - Adjusted Net Trading Income increased by 34.3% to $2,145.3 million from $1,597.7 million in 2024 [9] - Adjusted EBITDA increased by 52.3% to $1,399.2 million compared to $918.7 million in 2024 [9] - Normalized Adjusted Net Income rose by 59.2% to $913.5 million from $573.9 million in 2024 [9] Dividend Declaration - The Board of Directors declared a quarterly cash dividend of $0.24 per share, payable on March 16, 2026, to shareholders of record as of February 27, 2026 [2] Financial Condition - As of December 31, 2025, the company had $1,126.4 million in cash, cash equivalents, and restricted cash, with total long-term debt of $2,067.3 million [16]