Core Insights - Patient Capital Management, LLC has initiated a new position in Chime Financial, acquiring approximately 2,035,112 shares valued at $51.22 million during Q4 2025 [1][6] - Chime Financial operates as a leading U.S. fintech platform specializing in digital banking, with a market capitalization of $7.38 billion and revenue of $1.67 billion for the trailing twelve months [3][5] - The company targets U.S. consumers earning under $100,000 annually, offering mobile-first, fee-free banking services [8] Company Overview - As of February 13, 2026, Chime Financial's stock price was $19.69, with a market capitalization of $7.38 billion and a net income of -$25.34 million [3][5] - The company reported a year-over-year sales growth of 29% and an increase in active members by 21% to 9.1 million during the three months ended September 2025 [10] Investment Implications - The new position in Chime Financial accounts for 1.98% of Patient Capital's reportable assets under management (AUM) as of December 31, 2025 [7] - Patient Capital also added shares of Fiserv, indicating a strategic focus on the fintech sector [9]

Core Insights - Napean Trading & Investment sold 449,981 shares of Chime Financial for approximately $9.56 million, reducing its stake significantly from 1.8% to 0.06% of assets under management [2][6][9] Company Overview - Chime Financial operates as a leading U.S. fintech platform with a market capitalization of $7.38 billion and a revenue of $2.07 billion for the trailing twelve months [4][6] - The company reported a net income loss of $984.77 million for the trailing twelve months [4] Financial Performance - As of February 13, 2026, Chime's shares were priced at $19.69, down approximately 27% from the $27 IPO price in June [6][11] - The company experienced a 29% year-over-year revenue increase to $543.5 million in the third quarter, with active members rising 21% to 9.1 million [10] - Purchase volume increased by 15% to $32.3 billion, and adjusted EBITDA turned positive at $28.8 million, although the net loss for the quarter was $54.7 million [10] Business Model - Chime offers mobile-first, fee-free banking services targeting consumers earning under $100,000 annually, focusing on underserved retail banking customers [7][8] - Revenue is primarily generated through interchange fees from debit card transactions, leveraging partnerships with FDIC-insured banks [7] Strategic Positioning - The reduction in Chime's stake by Napean Trading indicates a shift in focus towards higher concentration investments like Robinhood and Navan, suggesting a more selective approach to fintech exposure [9]

MercadoLibre, Inc. to Report Fourth Quarter 2025 Financial ResultsFeb 13, 2026 4:30 PM Eastern Standard Time# MercadoLibre, Inc. to Report Fourth Quarter 2025 Financial ResultsShare---MONTEVIDEO, Uruguay-- ([BUSINESS WIRE])--MercadoLibre, Inc. (Nasdaq: MELI) ([http://www.mercadolibre.com]) announces that it intends to release financial results for its fourth fiscal quarter ending December 31, 2025, on February 24, 2026.The Company will host its earnings results video conference, as well as a conference call ...

New York, New York--(Newsfile Corp. - February 13, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of securities of Klarna Group plc (NYSE: KLAR) pursuant and/or traceable to the registration statement and related prospectus (collectively, the "Registration Statement") issued in connection with Klarna's September 2025 initial public offering (the "IPO"), of the important February 20, 2026 lead plaintiff deadline in the securities class action first filed by the Firm.SO WH ...

MercadoLibre's (NASDAQ: MELI) stock has stayed nearly flat this year. The Latin American e-commerce and fintech giant is still growing like a weed, but concerns about the region's macro headwinds and political instability seem to be compressing its valuation. Nevertheless, I believe it will bounce back in the near future for three simple reasons. Image source: Getty Images. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you j ...

A fintech executive watches their latest customer acquisition campaign deliver thousands of signups, only for 70% to drop out before completing onboarding. A corporate client ready to move millions waits six weeks while documents shuffle between operations, compliance teams across three jurisdictions.This happens daily across UK fintech. Client Lifecycle Management (CLM), encompassing onboarding, KYC, AML, and ongoing monitoring, has become a critical chokepoint in the revenue engine. Industry data revea ...

Key Takeaways PGY stock plunged 47.7% in a month after it provided a soft early 2026 guidance.Pagaya projects 1Q26 network volume of $2.5-$2.7B and revenues of $315-$335M.PGY's tighter underwriting may boost credit quality but could curb near-term loan growth.After an impressive price performance in most of 2025, shares of Pagaya Technologies Ltd. (PGY) have plunged 47.7% in the past month, underperforming the S&P 500 Index and the industry to which it belongs.If we compare the company’s price performance t ...

Core Insights - Several companies are downsizing or postponing their U.S. IPOs in 2026 due to market volatility, valuation scrutiny, and weak peer performance [1][2] - Goldman Sachs analysts predict the number of IPOs will double to 120 this year, but caution about valuation risks highlighted by a selloff in software stocks [1] Company Actions - Clear Street has postponed its U.S. IPO, marking its second delayed listing this month due to "market conditions" [2][5] - Clear Street reduced its fundraising target by 65% before postponing the listing [3] - Agibank raised $240 million in its downsized U.S. IPO, selling 20 million shares at $12 each, down from an initial offering of approximately 43.6 million shares priced between $15 and $18 [4] - Liftoff Mobile has also postponed its planned New York listing, citing "current market conditions" amid a significant selloff in software stocks [5]

Core Viewpoint - Affirm Holdings Inc. is identified as a high-risk, high-reward growth stock, with a recent target price reduction by Mizuho to $95 from $114, while maintaining an Outperform rating, citing an unjustified selloff and two positive catalysts: a partnership with Intuit and conservative FY2026 guidance [1][2]. Group 1: Partnership with Intuit - On February 2, Affirm announced a multi-year exclusive partnership with Intuit, making Affirm the built-in pay-over-time solution in QuickBooks Payments, which provides access to millions of small and mid-market businesses with over $2 trillion in invoices annually [2]. - The integration of Affirm into QuickBooks Payments is expected to offer businesses a transparent way to provide customers with payment options while ensuring businesses receive payments upfront [2]. Group 2: Financial Performance - Affirm's Q2 FY2026 earnings report revealed a 36% year-over-year growth in gross merchandise volume, reaching $13.8 billion, and a 30% year-over-year revenue growth to $1.1 billion [2][3]. - Active consumers increased by 23% year-over-year to 25.8 million, and transactions per active customer grew by 20% year-over-year to 6.4 times [2]. Group 3: Future Revenue Guidance - For Q3 FY2026, Affirm expects revenue between $0.97 billion and $1.00 billion, indicating a year-over-year growth rate of 23.9% to 27.7% [3]. - For Q4 FY2026, the revenue guidance is set between $1.06 billion and $1.09 billion, suggesting a year-over-year growth rate of 21.0% to 24.4% [3]. Group 4: Company Overview - Affirm Holdings, Inc. operates a payment network across Canada, the United States, and internationally, offering a consumer-focused app, point-of-sale payment solutions, and merchant commerce solutions [4].

在助力国内消费的同时，微信支付在春节假期持续响应国务院关于优化支付服务、提升支付便利性的工 作部署，让境外人士来华消费更加便利。在"外卡内绑"方面，境外用户来华可在微信直接绑定VISA、 Mastercard等7大卡组织的国际信用卡至微信支付，并在中国境内数千万商户扫码消费。为进一步提升用 户体验，微信支付还推出手续费减免活动，单笔交易200元及以下的交易免手续费。"外包内用"上，微 信支付现已支持12个国家地区的29个境外钱包，境外用户来华后可使用钱包APP扫微信支付收款码完成 线下消费。境内、外人士在微信内通过钱包快付使用微众银行（微信支付）数字人民币钱包支付，还有 机会享受随机立减。同时，通过支持部分口岸城市离境退税，微信支付进一步释放了入境旅游市场的消 费潜力。 春节期间，微信支付还积极配合财政部、商务部、税务总局等部门开展的"有奖发票试点"工作。通过微 信"发票助手"与"卡包"能力，微信支付即日起在北京、上海两地实现了在微信支付卡包里摇奖的便捷体 验，让提振消费的政策红利通过数字渠道"秒到账"。此外，微信支付与商务部联合，将在春节前限量推 出"乐购新春"主题红包封面，通过群众喜闻乐见的社交互动方式， ...