Tyler Crowe: Anthropic beats OpenAI to this one major milestone. This is Motley Fool Money. Welcome to Motley Fool Money. My name is Tyler Crowe. Today, I'm joined by longtime Fool contributors, Matt Frankel and Jon Quast. Today, we're going to cover our typical smattering of topics. We're going to go looking at the buy now pay later space because of some recent news from Klarna. We're going to do our typical Thursday stocks on our radar. But first, we're going to start with news coming out of Anthropic. Op ...

got my first credit card on campus at college at at 18. Didn't fully understand what I was signing up for. Certainly didn't read the fine print where it said 0% asterisk.Don't worry about it. Borrowed a bunch of money, financed my first startup from that very same credit card. Promptly got into more that I could afford to pay for.Startup failed. Eventually got some nasty calls from collectors. paid it off and four years later or five years later took this little company PayPal public was basically independe ...

Max Levchin was part of the original PayPal mafia. Now he's the co-founder and CEO of Affirm, the $22 billion player in the Buy Now Pay Later industry.On this episode of the Odd Lots podcast, @mlevchin joins @‌tracyalloway and @‌thestalwart to discuss how his company is using AI to disrupt the incumbent credit card companies https://t.co/qoGXjc1GMM ...

Group 1: Nvidia Earnings and Market Reaction - Nvidia reported strong earnings with a 66% growth in data center revenue, exceeding expectations [4][5] - Despite initial gains, Nvidia's shares finished lower, reflecting market concerns about the economic situation and potential AI bubble [5] - The Bitcoin market is experiencing a downturn, with Bitcoin dropping below $83,000, marking a 33% decline from its peak [6] Group 2: Retail Earnings Overview - Home Depot's shares fell 6% after missing earnings expectations and cutting guidance due to a cautious outlook on consumer spending and a soft housing market [8] - Lowe's initially dropped in sympathy with Home Depot but later rebounded after beating earnings expectations, although it remains cautious about the economic environment [9][10] - Walmart's shares rose 6% following strong earnings driven by e-commerce and international sales, while Target's shares declined due to a third consecutive quarter of declining comparable store sales, down 2.7% [11][12][13] Group 3: Fintech and Consumer Lending Sector - The buy now pay later fintech sector is under pressure, with Klarna reporting a loss and a significant increase in provisions for credit losses, leading to a 16% decline in its stock [14][15] - Competitors like Affirm and SoFi also saw declines of 13% and 10% respectively, indicating concerns about consumer delinquencies [15][16] Group 4: Economic Data and Job Market - September jobs data showed an addition of 119,000 jobs, but the unemployment rate rose to 4.4%, primarily due to more people re-entering the job market [17][18] - Revisions to previous months' job data raised recession concerns, with August now showing a loss of 4,000 jobs [18][19] Group 5: Tariff Rollbacks and Federal Reserve Signals - Recent tariff rollbacks are seen as a response to economic pressures, with the Fed's stance on potential rate cuts becoming increasingly mixed [21][25] - Market expectations for December rate cuts have fluctuated significantly, reflecting uncertainty in economic conditions [25][27] Group 6: Upcoming Economic Events - The upcoming Thanksgiving week is expected to bring lower market volume and potential volatility, with a flood of economic data and earnings reports anticipated [28][29] - Black Friday will provide crucial insights into consumer spending behavior and retailer performance as the holiday season approaches [33][34]

Core Insights - A firm’s shares surged 11% after hours due to earnings and revenues surpassing Wall Street estimates [1] - The company reported a 42% increase in transaction volume for the quarter, indicating strong business performance [1][2] - A significant highlight was the new 5-year partnership with Amazon, which CEO Max Lechin emphasized as a major achievement [1] Financial Performance - Earnings more than doubled expectations, showcasing a strong revenue beat [3] - Transaction volume reached a new high despite limited seasonal lift, reflecting robust demand [3] - Card volume increased by 135% year-over-year, indicating effective growth strategies [3] User Engagement - Active users have now reached 2.8 million, demonstrating an expanding customer base [3] - The demand for 0% loans has become the fastest-growing product for the company, suggesting a shift in consumer preferences [2]

Market Overview - The stock market is mixed, with the Dow down about 70 points, the S&P 500 up approximately 0.4%, and the NASDAQ up nearly 0.9% [1][4][3] - The tech sector is leading the market, particularly driven by AMD's significant AI deal [5][6] AMD and OpenAI Deal - AMD announced a multi-billion dollar deal with OpenAI, marking a significant win for AMD in the AI chip market [10][11] - The deal involves supplying MI450 GPUs for data centers, positioning AMD to better compete with Nvidia [11][12] - OpenAI will receive a 10% stake in AMD contingent on AMD meeting certain milestones [13] - The deal has the potential to generate tens of billions in revenue for AMD over the coming years, with an initial deployment expected in the second half of next year [37][36] Market Reactions - AMD shares surged by 25% following the announcement of the deal, reflecting strong investor sentiment [19] - Nvidia's stock experienced a slight decline due to the competitive implications of AMD's new partnership [12][19] - The chip index (Socks) is up 3.7%, indicating a broader bullish sentiment in the semiconductor sector [8] Broader Industry Context - The AI sector is experiencing a surge in partnerships and investments, with companies like Microsoft, Google, and Amazon also involved [18][12] - The overall market is seeing a shift towards tech and AI-related stocks, with healthcare and real estate sectors lagging behind [5][9][86] Future Outlook - AMD's partnership with OpenAI is seen as a critical step in building AI infrastructure, with expectations of significant future revenue from AI compute capabilities [36][55] - The AI market is projected to be a long-term growth area, with AMD's deal potentially marking the beginning of a "super cycle" in AI investments [55][56]

Michael Kramer's Mad Dash as we count down to the bell. >> Yeah, I don't want to lose sight this buy now pay later IPO CLA. Uh very good company.Most of the analysts do like it. I think that's a a uh a sense that we can't lose we can't lose sight that there's these deals that happen then they sell off and then suddenly the analysts really do like it. This is very different from say Circle where they just the public just took it up.I like the company very much, but it's crowded field now. They have a huge fo ...

Group 1: AI Market Developments - NVIDIA signed a deal with OpenAI to invest up to $100 billion, with an initial $10 billion investment valuing OpenAI at $500 billion [5][6] - The investment will be used to build OpenAI's AI infrastructure, with NVIDIA benefiting from chip sales as part of the agreement [6][7] - NVIDIA's cash on hand was reported at $57 billion, indicating strong financial positioning to pursue strategic investments [7] Group 2: Company Earnings and Market Reactions - Micron reported a 46% year-over-year revenue increase, with a 69% growth in its DRAM memory chip market, but the stock fell post-earnings [9][10] - Alibaba announced aggressive AI spending, resulting in an 8% stock increase, contrasting with Micron's stock performance [11][12] - The market is currently in a "promise versus execution" phase, where investor sentiment is cautious despite positive earnings reports [12] Group 3: Buy Now Pay Later Sector - Klarna and Affirm stocks have seen declines, with Klarna trading just above its IPO price of $40, indicating market volatility in the sector [17][18] - PayPal sold $7 billion in buy now, pay later receivables to Blue Owl Capital, suggesting a strategy to reduce exposure in a potentially risky market [19][22] - The buy now, pay later industry faces challenges as it has not yet been tested in a tough economic environment [20] Group 4: Retail Sector Insights - Starbucks is closing stores and laying off staff as part of a turnaround strategy, indicating a shift in its operational model [24][30] - The closures may reflect a response to underperforming locations or a rebranding effort to align with the company's coffee shop vibe [29][30] - The retail sector is experiencing a psychological impact from layoffs and store closures, which could influence investor sentiment [31] Group 5: Economic Indicators - Upcoming jobs data is anticipated to be a key focus, with recent PCE data showing elevated inflation levels [33][34] - There are signs of potential stabilization in the labor market, with positive revisions to GDP data and manageable jobless claims [35]

Company Overview - Clara, a buy now pay later company, had a successful IPO, pricing its shares at $40 and raising approximately $1.4 billion, with a market valuation of about $17 billion at the close of its first trading day [1] - The stock opened at $52, reflecting a 15% increase from its IPO price [1] Customer Growth - Clara has reported signing up 700,000 customers for its new debit card, with an additional 5 million people on the waiting list [1] Market Sentiment - There is significant excitement surrounding Clara's market debut, with discussions on the potential for sustained growth and valuation stability [2] - The company's valuation has decreased from $46 billion a couple of years ago to its current $17 billion, indicating a shift in market perception [3]

Group 1: Oracle's Strong Performance - Oracle shares surged by 40%, marking the largest one-day increase since the 1990s, driven by a robust forecast for its cloud infrastructure business [5][10][27] - The company expects cloud infrastructure revenue to grow by 77% this fiscal year, reaching $18 billion, with projections of $32 billion next year and $144 billion by fiscal year 2030 [19][27] - Analysts have raised price targets for Oracle, with estimates reaching as high as $400, reflecting confidence in the company's long-term competitive position in the AI infrastructure market [47] Group 2: Market Reactions and Economic Indicators - The Dow Jones Industrial Average saw a slight decline of about 73 points, while the S&P 500 and Nasdaq Composite reached new record highs, indicating mixed market reactions [2][3] - Wholesale inflation unexpectedly declined, reinforcing expectations that the Federal Reserve may cut interest rates in the upcoming meeting [3][27] - The technology sector, particularly driven by Oracle's performance, emerged as the best-performing group, with the XLK sector index up 2.3% [4][3] Group 3: Competitive Landscape and Future Outlook - Oracle's focus on performance and speed in cloud services is seen as a competitive advantage, allowing it to potentially undercut rivals on costs [15][16] - The company is positioning itself as a disruptor in the AI and GPU market, which could lead to a larger book of business than competitors like Google in the future [17][18] - The demand for AI infrastructure is expected to remain strong, with no signs of slowdown, indicating a robust growth trajectory for Oracle and similar companies [20][22] Group 4: Tariff Developments and Market Implications - President Trump is advocating for new tariffs on China and India, with the Supreme Court agreeing to fast-track a case regarding the legality of these tariffs [51][52] - The potential for tariff refunds has raised questions among investors, with implications for Treasury markets if significant refunds are issued [54][56] - The ongoing trade dynamics between the U.S. and China are expected to remain stable in the near term, as the U.S. administration seeks to balance its trade strategies [65][66]