BEIJING, Aug. 13, 2025 /PRNewswire/ -- Jianpu Technology Inc. ("Jianpu," or the "Company") (OTCQB: AIJTY), a leading open financial technology platform in China, today announced that FINRA has set September 9, 2025 as the ex-dividend date for the Company's special cash dividend to be paid in September 2025 that was announced on August 7, 2025. As the cash dividend of US$0.0995 per ordinary share, or US$1.99 per American depositary share ("ADS"), exceeds 25% of the Company's ADS price, FINRA has determined t ...

Unlike many AI stocks, these companies overcame the stock sell-off in the first few months of the year. Although many artificial intelligence (AI) stocks have performed well since "Liberation Day" on April 2, the rough start to the year has weighed on many of them. So severe was the drop in some stocks that many continue to lag the performance of the S&P 500 in 2025 despite dramatic recoveries. Fortunately, a few have managed to outperform the index. Moreover, some even remain solid buys. Investors looking ...

Core Viewpoint - Qudian Inc. has decided to wind down its last-mile delivery business to focus on sustainable growth and shareholder value, resulting in significant changes in its financial performance for the second quarter of 2025 [2][3]. Financial Performance - Sales income and other revenues decreased by 93.5% to RMB3.5 million (US$0.5 million) from RMB53.3 million in the same quarter of 2024, primarily due to the decline in the last-mile delivery business [3]. - Total operating costs and expenses increased to RMB117.7 million (US$16.4 million) from RMB110.8 million in the second quarter of 2024 [4]. - Cost of revenues decreased by 93.6% to RMB3.0 million (US$0.4 million) from RMB46.2 million in the same quarter of 2024, reflecting the winding down of the last-mile delivery business [4]. - General and administrative expenses rose by 39.6% to RMB65.9 million (US$9.2 million) from RMB47.2 million in the second quarter of 2024, mainly due to increased depreciation and property tax expenses [5]. - Research and development expenses decreased by 25.5% to RMB11.3 million (US$1.6 million) from RMB15.2 million in the same quarter of 2024, attributed to a reduction in staff headcount [6]. - Loss from operations was RMB113.9 million (US$15.9 million), compared to RMB57.4 million in the second quarter of 2024, primarily due to the business wind-down and increased expenses [7]. Investment Income - Interest and investment income, net increased by 392.3% to RMB440.5 million (US$61.5 million) from RMB89.5 million in the same quarter of 2024, driven by higher investment income [8]. Net Income - Net income attributable to Qudian's shareholders was RMB311.8 million (US$43.5 million), compared to RMB99.8 million in the second quarter of 2024, with net income per diluted ADS at RMB1.86 (US$0.26) [9][11]. Cash Flow and Assets - As of June 30, 2025, the company had cash and cash equivalents of RMB4,029.0 million (US$562.4 million) and restricted cash of RMB782.3 million (US$109.2 million) [10]. - Net cash used in operating activities was RMB1.1 million (US$0.2 million), while net cash used in investing activities was RMB698.2 million (US$97.5 million) [11][12]. Share Repurchase Program - The Board approved a share repurchase program in March 2024, allowing the purchase of up to US$300 million worth of Class A ordinary shares or ADSs over 36 months, with approximately US$54.6 million spent on repurchasing 22.7 million ADSs by August 12, 2025 [13][14].

Core Insights - The article evaluates several popular financial apps, highlighting their strengths and weaknesses in terms of speed, depth, and interactivity in the financial community [1]. Group 1: App Comparisons - Tonghuashun excels in real-time market updates for A-shares and Hong Kong stocks, making it suitable for investors needing quick trades, but lacks coverage of international news [1]. - Eastmoney offers a large volume of information and a lively forum atmosphere, focusing primarily on domestic investments, with limited tracking of overseas macroeconomic and cross-market information [1]. - Xueqiu provides in-depth discussions, particularly on individual stocks, but is primarily geared towards long-term investors, lacking in real-time updates and diversity [1]. - Sina Finance Community stands out for its rapid updates on international financial news, aligning closely with foreign media on topics like Federal Reserve policies and global commodity price fluctuations [1]. Group 2: Community Features - The community discussions on Sina Finance are diverse, covering macroeconomic analysis, futures, forex, and practical experiences in both US and A-shares [5]. - The platform combines professional insights with everyday observations from regular investors, offering both depth and relatability [8]. - Interactive activities such as polls, Q&A sessions, and online sharing events enhance user engagement, allowing for active participation rather than passive news consumption [10]. Group 3: User Experience - The author finds that 80% of their time spent on international financial news and investment discussions is on the Sina Finance Community, which provides timely global updates and facilitates direct communication with other investors [10]. - The article emphasizes the importance of having a timely, comprehensive, and interactive financial community as a significant advantage for investors in a rapidly changing market [10].

Core Viewpoint - Robbins LLP has filed a class action on behalf of investors who acquired Fiserv, Inc. common stock during a specified period, alleging that the company misled investors regarding the growth prospects of its Clover platform [1][2]. Allegations - Fiserv allegedly forced Payeezy merchants to migrate to its Clover platform due to cost issues and problems with Payeezy, which temporarily boosted Clover's revenue and GPV growth, concealing a slowdown in new merchant business [2]. - Following the forced conversions, many former Payeezy merchants switched to competing solutions due to Clover's high pricing and inadequate customer service, leading to a significant slowdown in Clover's GPV growth and unsustainable revenue growth [2]. - The positive statements made by Fiserv regarding Clover's growth strategies and business prospects during the class period were claimed to be materially false and misleading [2]. Impact on Stock - The truth regarding these issues was revealed through a series of disclosures, resulting in a decline in Fiserv, Inc.'s stock and harming investors [3]. Next Steps for Shareholders - Shareholders interested in serving as lead plaintiffs must file their motions by September 22, 2025, while those who choose not to participate can remain as absent class members [4]. Company Background - Robbins LLP has been dedicated to helping shareholders recover losses and improve corporate governance since 2002, operating on a contingency fee basis where shareholders pay no fees or expenses [5].

Summary of OppFi (OPFI) FY Conference Call - August 12, 2025 Company Overview - OppFi is a tech-enabled digital finance platform that partners with banks to provide financial products and services to everyday Americans [2][3] - The company has facilitated over $7.8 billion in gross loan issuance, covering more than 4.3 million loans since its inception in 2012 [3] - OppFi has maintained ten consecutive years of positive net income and profitability across various business cycles [3][4] Market Opportunity - There are approximately 60 million U.S. consumers facing credit insecurity with limited access to credit [4][5] - 43% of these consumers experience difficulties in paying bills, and 42% have less than a month of savings [5] Customer Profile - OppFi's typical customer is described as the "everyday American," often facing financial hardships [5][6] - 33% of customers are college-educated, and 28% own homes [7] Product Offering - The primary product is a simple interest amortizing installment loan with no balloon payments or fees [8][9] - Customers can receive same-day funding, and the company reports to three major credit bureaus, allowing customers to improve their credit scores [10][11] Underwriting and Risk Management - OppFi employs a cash flow underwriting model to assess borrowers' ability to repay loans [12] - The company has developed a machine learning model (Model Six) to enhance credit risk assessment and target creditworthy borrowers [18][19] - The new model has led to a 3.3% increase in originations without escalating charge-offs [20] Financial Performance - Q2 2025 total revenue was $142 million, reflecting a 13% year-over-year growth [37] - Adjusted net income for FY 2023 was $41 million, increasing to $83 million in 2024, representing a 99% increase [38] - Adjusted EPS rose from $0.49 to $0.95 per share [39] Growth Strategy - The company is focused on operational efficiencies, new partnerships, and strategic acquisitions to enhance market potential [23][24] - OppFi has invested in Bitty, a small business financing company, to diversify its product offerings [25][26] - Future product extensions may include retail installment loans, point-of-sale financing, and mobile banking solutions [25] Financial Health and Guidance - OppFi has a total funding capacity of $603.3 million, with $219 million in undrawn debt and $78.3 million in cash [41] - The company raised its revenue guidance for 2025 to a range of $578 million to $605 million, with adjusted net income guidance of $125 million to $130 million [41][42] Customer Satisfaction - OppFi boasts a high Net Promoter Score (NPS) of 79, indicating strong customer satisfaction [3][17] - 61% of customers return for additional funding due to positive past experiences [17] Conclusion - OppFi is well-positioned for growth in the digital finance space, with a strong focus on serving credit-marginalized consumers and leveraging technology for underwriting and customer service [2][4][18]

Core Viewpoint - Clearwater Analytics Holdings (CWAN) shares have risen as investors focus on long-term growth potential despite recent acquisition concerns, with Goldman Sachs upgrading the stock to Buy and setting a price target of $27 [1][2]. Group 1: Stock Performance and Analyst Insights - The stock has experienced a 30% decline over the past six months, contrasting with a 9% gain in the Nasdaq, indicating investor apprehension regarding the quality of acquired assets and integration capabilities [2]. - Analyst Gabriela Borges believes that the risks associated with acquisitions are now reflected in the stock price and identifies a clear catalyst for growth, including an upcoming Analyst Day on September 3 [3]. Group 2: Growth Projections and Business Strategy - Clearwater's core business is expected to maintain annual growth of over 20% for the next three to five years, driven by its automation platform, strong network effects, and cross-selling opportunities [3]. - The company is set to release approximately five new products each year, which could enhance net revenue retention (NRR) and support growth in alternative investments through partnerships with Blackstone and PIMCO [4]. Group 3: Market Conditions and Revenue Drivers - Macro factors, such as anticipated rate cuts by Goldman Sachs, could positively impact fixed-income asset prices, which constitute about 80% of Clearwater's client assets under management (AUM), thereby supporting revenue through an AUM-linked pricing model [5]. - Increased capital market activity and IPO volume may contribute an additional 1-2 percentage points of growth in the corporate segment, which represents around 16% of total revenue [5]. Group 4: Acquisition Execution and Future Outlook - While there are concerns regarding the execution of acquisitions, particularly with Enfusion, which accounts for about 13% of run-rate sales, growth for Enfusion is projected to improve from 13% to 15% by 2027 [6]. - Clearwater aims to develop a comprehensive platform for institutional investors, which could achieve a Rule of 40 profile, indicating strong long-term potential even before the full vision is realized [7].

The market expects PagSeguro Digital Ltd. (PAGS) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if t ...

Core Insights - Payoneer has partnered with Citi to launch real-time, blockchain-enabled treasury transfers, enhancing the speed, automation, and transparency of fund transfers across its global accounts [1][2][3] Group 1: Collaboration and Technology - The collaboration with Citi utilizes blockchain technology to modernize Payoneer's financial operations, reducing reliance on traditional payment methods and minimizing delays caused by banking cut-off times, holidays, and weekends [2][3] - Citi Token Services, launched in 2024, facilitates multimillion-dollar transactions and has processed billions in transaction value, providing 24/7 cross-border liquidity and payments [3] Group 2: Benefits and Efficiency - The new infrastructure is expected to simplify cross-border payments, offering real-time access and significantly improving efficiency for global clients [3] - Payoneer's integration of modern APIs and blockchain protocols allows for easy incorporation with existing treasury and payment systems, streamlining cash management and FX risk mitigation [5]

Core Insights - GOBankingRates, in collaboration with MoneyLion, has released the Top 100 Money Experts of 2025, providing readers with access to expert advice on personal finance issues [1][4] - The initiative features a new money expert each day for 100 days, addressing the most searched personal finance questions identified through AI research [2][5] Expert Contributions - Notable experts include Dave Ramsey, who emphasizes a behavior-based approach to debt management, and Barbara Corcoran, who advises on long-term real estate investment strategies [3] - Other prominent figures in the list include Mark Cuban, Suze Orman, Kevin O'Leary, Tony Robbins, Rachel Cruze, Robert Kiyosaki, and Vivian Tu, offering guidance for various financial stages [3] Research Methodology - The selection of the Top 100 Money Experts was based on criteria such as recognition in major publications, social media presence, professional credentials, and the ability to provide practical advice [4] - A survey of over 1,000 Americans was conducted to understand their preferences for financial advice sources [4][5] Survey Findings - The survey revealed that Generation Z has the highest trust in financial experts, while Baby Boomers exhibit the least trust [5] - Women are more inclined to pay for financial advice despite having lower savings, and TikTok is identified as the least trusted platform for financial advice, even among Gen Z [5]