（来源：新华日报） 图为招聘现场。 林宁 摄 □ 本报记者 黄红芳 南京市人才服务中心市场发展部副部长陈伟表示，老门东人才夜市是南京常态化开展夜间就业服务的开 局之举，该市接下来将每月定期在市本级、各区公共就业服务场所举办常规夜市，同时把人才夜市开 到"家门口"就业服务站、零工驿站、人力资源市场、街道便民服务中心等老百姓身边，确保这一就业服 务模式持续稳定供给，释放南京人才夜市品牌溢出效应。 记者从省人社厅了解到，为了方便求职，人社部门将按月发布活动月历，巧借知名赛事等顶级流量IP， 抢抓节假日和春夏季等夜间人流量高峰时段，贴合文旅项目、夜经济消费、音乐节等流量入口，提供人 才政策答疑、就业创业政策解读、社保补贴咨询、劳动权益维护等就业全领域服务。 为提升劳动者就业技能，常态化推出"技能夜校"服务——聚焦数字职业、人工智能、制造产业、平台经 济以及非遗和创业项目等，为劳动者量身打造技能培训课程。在企业集聚地举办"产业赋能型技能夜 校"，在居民社区举办"民生服务型技能夜校"，在非遗传承地举办"文化传承型技能夜校"，让劳动者利 用晚上、休息日或碎片化时间学习新知识、新技能，实现技能提升和日常工作"两不误、两促进" ...

Core Insights - Frontdoor (FTDR) has experienced a significant stock decline of 21.8%, dropping from $68.84 on October 27, 2025, to approximately $53.84 [2] - The potential for a rebound towards $70 is considered meaningful, given the company's historical performance after sharp dips [2] - Historically, after notable declines, FTDR has delivered a median 12-month return of 59% and a median peak rebound of 75% [2][8] Historical Performance - FTDR has encountered four events since January 1, 2010, where the stock experienced a dip of 30% or more within 30 days [4] - The median duration to peak return following a dip event is 306 days [8] - The median maximum drawdown within one year of a dip event is -5.6% [8] Financial Quality Assessment - To evaluate the likelihood of a dip indicating a declining business, it is essential to review revenue growth, profitability, cash flow, and balance sheet robustness [5]

Financial Data and Key Metrics Changes - EverCommerce reported revenue of $147.5 million for Q3 2025, reflecting a 5.3% year-over-year growth, consistent with previous guidance [5][18] - Adjusted EBITDA for the quarter was $46.5 million, representing a margin of 31.5%, which is an expansion of 140 basis points year-over-year [5][18] - Payments revenue grew by 6% year-over-year, accounting for approximately 21% of overall revenue [10][11] Business Line Data and Key Metrics Changes - Subscription and transaction revenue totaled $142.2 million, with core SaaS revenue growing over 8% in the quarter [18] - Adjusted gross profit was $114 million, yielding a gross profit margin of 77.3%, slightly down from 78.1% in Q3 2024 [18] - The annualized total payments volume (TPV) reached approximately $13 billion, marking a 5.2% year-over-year growth [11] Market Data and Key Metrics Changes - EverCommerce serves over 725,000 customers across three major verticals: EverPro, EverHealth, and Everwell, with the first two accounting for about 95% of consolidated revenue [8] - The company achieved a net revenue retention (NRR) of 97%, with customers using multiple solutions showing an NRR of over 100% [10] Company Strategy and Development Direction - The strategic acquisition of Zyratok, an AI agentic platform, aims to enhance AI capabilities within the service-based industries, particularly in home and field services [6][12] - The company is focusing on providing AI-powered vertical software to maximize long-term growth and shareholder value [6][8] - EverCommerce plans to continue its transformation and optimization programs to improve customer satisfaction and operational efficiency [19][46] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the resilience of the core SaaS business despite some macroeconomic headwinds affecting the rebate program [28][35] - The company has narrowed its revenue and adjusted EBITDA guidance for 2025, expecting total revenue of $584 to $592 million and adjusted EBITDA of $174.5 to $179.5 million [22][23] Other Important Information - The company ended the quarter with $107 million in cash and cash equivalents and $155 million of undrawn capacity on its revolver [21] - EverCommerce repurchased approximately 2.6 million shares for $29.1 million at an average price of $11.10 per share [21][22] Q&A Session Summary Question: Can you elaborate on the Zyratok acquisition and its business model? - Management indicated that Zyratok's product is focused on the home service sector and will be integrated into EverCommerce's systems, enhancing capabilities across the board [25][26] Question: What were the impacts of the rebate program on guidance? - Management noted a small impact from the rebate program due to macroeconomic factors, but emphasized that the core SaaS business remains strong [28][29] Question: What changes to guidance have occurred due to macro trends? - Management confirmed that there were no significant macroeconomic impacts other than those related to the rebate program, maintaining a positive outlook for the core SaaS business [35][36] Question: How is the pricing for Zyratok structured? - The pricing model for Zyratok includes both subscription and usage-based components, with plans to integrate these into EverCommerce's broader SaaS offerings [39][40] Question: How is the spending optimization program progressing? - Management reported successful cost reductions exceeding $10 million in 2025, with ongoing efforts to enhance operational efficiency and margin expansion [46][47]

Financial Data and Key Metrics Changes - Revenue increased by 14% year-over-year to $618 million, driven by higher volume and pricing [4][18] - Gross profit margin improved by 60 basis points to 57% [4][18] - Net income grew by 5% to $106 million, while adjusted EBITDA increased by 18% to $195 million [4][19] - Free cash flow rose by 64% to $296 million, with total cash position reaching $563 million [21] Business Line Data and Key Metrics Changes - Direct-to-consumer (DTC) member count grew by 8%, marking five consecutive quarters of organic growth [4][9] - Real estate revenue increased by 21%, primarily due to contributions from the 2-10 acquisition [18] - Non-warranty revenue surged by 73% year-over-year, driven by new HVAC and mowing programs [18][16] Market Data and Key Metrics Changes - The real estate channel saw sequential member count growth for the first time since 2020, indicating a shift towards a buyer's market [12][13] - Existing home sales increased by 4.1% in September, although overall sales remain at a 30-year low [12] - Total housing inventory rose by 14% year-over-year, reaching a five-year high [12] Company Strategy and Development Direction - The company is focused on operational excellence, leveraging pricing actions and operational efficiencies to improve margins [5][8] - Plans to expand non-warranty offerings into other trades, with significant growth potential identified in appliance replacement and other categories [16] - The company is committed to enhancing member experience through technology and continuous innovation [5][14] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving record financial results for 2025, with a strong outlook for revenue and adjusted EBITDA [4][25] - The macro environment is improving, which is expected to support the company's strategic initiatives [33] - Management highlighted the importance of member retention and the effectiveness of marketing strategies targeting younger demographics [10][34] Other Important Information - Jessica Ross, the CFO, announced her resignation, effective November 10, with Jason Bailey set to succeed her [25][26] - The company is increasing its marketing spend in Q4 to drive growth, particularly in the DTC channel [22][34] Q&A Session Summary Question: What drove the increase in cost inflation? - Management clarified that inflation was closer to 4%, primarily due to rising appliance costs, but they are managing through it with dynamic pricing strategies [28][29] Question: What promotional strategies were implemented in the real estate channel? - The company ran specific promotions, including a $100 discount, which helped them outpace the real estate market [30] Question: What are the early observations from the non-warranty pilot program? - The company plans to expand the program nationwide in 2026, with initial feedback being positive [31] Question: What is driving the expected decline in DTC revenue? - The decline is attributed to pricing strategies and seasonal adjustments, but retention rates remain strong [32] Question: How much of the real estate channel's success is due to market conditions versus company initiatives? - Management noted that both the improving macro environment and their promotional strategies contributed to the success [33] Question: What is the outlook for long-term margin targets? - Management indicated that they are reevaluating long-term margin targets due to improved execution and pricing capabilities [36][38]

Core Insights - Vulcan Materials (VMC) reported quarterly earnings of $2.84 per share, exceeding the Zacks Consensus Estimate of $2.68 per share, and showing an increase from $2.22 per share a year ago, resulting in an earnings surprise of +5.97% [1][2] - The company achieved revenues of $2.29 billion for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.67%, compared to $2 billion in the same quarter last year [2] - Vulcan has surpassed consensus EPS estimates three times over the last four quarters and topped revenue estimates two times in the same period [2] Earnings Outlook - The sustainability of Vulcan's stock price movement will depend on management's commentary during the earnings call and future earnings expectations [3][4] - The current consensus EPS estimate for the upcoming quarter is $2.39 on revenues of $2.06 billion, and for the current fiscal year, it is $8.50 on revenues of $8.05 billion [7] Industry Context - The Building Products - Concrete and Aggregates industry, to which Vulcan belongs, is currently ranked in the top 22% of over 250 Zacks industries, indicating a favorable outlook [8] - Empirical research suggests a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Vulcan's stock performance [5][6]

Core Insights - Snabbit, an on-demand home-help startup in India, has raised $30 million in funding, increasing its valuation from $80 million to $180 million in just five months [1][2] - The startup has experienced significant growth, with daily job bookings rising from approximately 1,000 in May to over 10,000 [3] - Snabbit aims to expand its services beyond its current markets and plans to enter additional cities soon [5] Funding and Valuation - The recent Series C funding round was led by Bertelsmann India Investments, with participation from existing investors including Lightspeed, Elevation Capital, and Nexus Venture Partners [2] - Total funding for Snabbit has now reached $55 million [2] Business Growth - Snabbit has grown its total orders to over 300,000 as of October, up from 25,000 in May [5] - The startup has a retention rate of 30% to 35% and projects an annual recurring revenue of $11 million [7] Service Offering - Founded in 2024, Snabbit provides various on-demand home services, including cleaning, dishwashing, laundry, and kitchen prep, through a fleet of 5,000 women experts [4] - The services are priced at around ₹150 (approximately $2) per hour, with an average ticket size of ₹240 (about $3) [8] Market Presence - Snabbit currently operates in 40 micro markets across five major cities: Mumbai, Bengaluru, Gurugram, Noida, and Pune [5] - The company plans to expand into Hyderabad, Chennai, Delhi, and Calcutta [5] Customer Demographics - Most users of Snabbit's services are between 30 and 40 years old, including bachelors and working professionals [5] - The startup targets customers who prefer ad hoc solutions rather than full-time house help [6]

Core Insights - Service Nation is hosting the 10th annual Service World Expo, a significant event for residential service business leaders, taking place from October 26-30 at Caesars Forum & Harrah's Las Vegas [1][3] - The expo will focus on education and training for residential contractors, emphasizing seven key pillars: business design, financials, human resources, leadership, marketing, operations, and sales [2] Event Highlights - The event will feature keynote speakers including Danica Patrick, Jeff Civillico, Jade Simmons, Darren LaCroix, and sessions on maximizing AI for automation and business leads [5] - Attendees will have access to general sessions, panels, and workshops led by industry experts, providing actionable insights and strategies [5] - Networking opportunities will be available through curated events such as mixers, costume parties, and business coaching happy hours [5] Company Overview - EverCommerce is a leading service commerce platform that supports over 725,000 global service-based businesses with integrated SaaS solutions [4] - The company specializes in providing end-to-end business management software, payment acceptance, marketing technology, and customer experience applications across various service industries [4]

Core Insights - Investors should consider adding stocks with strong liquidity to their portfolios, as these stocks are associated with business growth and potential maximum returns [1][2] - Four top-ranked stocks identified for potential investment are Remitly Global, Inc. (RELY), Frontdoor, Inc. (FTDR), Pagaya Technologies Ltd. (PGY), and Willdan Group, Inc. (WLDN) [1][9] Liquidity Measures - Current Ratio: Measures current assets against current liabilities; a ratio below 1 indicates more liabilities than assets, while a range of 1-3 is ideal [4] - Quick Ratio: Indicates ability to pay short-term obligations, with a desirable ratio of more than 1 [5] - Cash Ratio: The most conservative measure, focusing on cash and equivalents relative to current liabilities; a ratio greater than 1 is desirable but may indicate inefficiency [6] Screening Parameters - Asset Utilization: A measure of efficiency, calculated as total sales over the last 12 months divided by the average total assets; companies with a ratio higher than their industry average are considered efficient [7][8] - Growth Score: A proprietary metric added to ensure that liquid and efficient stocks also have solid growth potential [8] Company Highlights - **Remitly Global, Inc. (RELY)**: Specializes in digital financial and remittance services, with revenues of $411.9 million for Q2 2025, up 34% year over year; active customers grew 24% to over 8.5 million [12][10] - **Frontdoor, Inc. (FTDR)**: Parent company of home service plan brands, reported revenues of $617 million for Q2 2025, up 14% year over year; DTC member count increased by 9% [15][14] - **Pagaya Technologies Ltd. (PGY)**: Focuses on AI infrastructure for finance, with total revenues of $326 million for Q2 2025, a 30% increase year over year; annualized run-rate for POS and Auto segments reached $1.2 billion and $2 billion, respectively [17][18] - **Willdan Group, Inc. (WLDN)**: Provides consulting services to government and private sectors, with net revenues expected between $340 million and $350 million for 2025; contract revenues jumped 23% year over year [20][21]

Core Viewpoint - Investors are increasingly seeking growth stocks that demonstrate above-average growth potential, with Frontdoor (FTDR) identified as a promising candidate due to its favorable growth metrics and strong Zacks Rank [1][2]. Group 1: Earnings Growth - Frontdoor has a historical EPS growth rate of 17.1%, with projected EPS growth of 8.8% for the current year, surpassing the industry average of 8.5% [4]. - Double-digit earnings growth is preferred by growth investors as it indicates strong future prospects and potential stock price gains [3]. Group 2: Asset Utilization - Frontdoor's asset utilization ratio (sales-to-total-assets ratio) stands at 1.03, indicating that the company generates $1.03 in sales for every dollar in assets, which is higher than the industry average of 0.82 [5]. Group 3: Sales Growth - The company's sales are projected to grow by 11.9% this year, significantly outpacing the industry average growth of 0.3% [6]. Group 4: Earnings Estimate Revisions - There has been a positive trend in earnings estimate revisions for Frontdoor, with the Zacks Consensus Estimate for the current year increasing by 5.3% over the past month [8][7]. Group 5: Overall Assessment - Frontdoor has achieved a Growth Score of A and holds a Zacks Rank 1, indicating it is a potential outperformer and a solid choice for growth investors [10].

Core Insights - Frontdoor (FTDR) is expected to report quarterly earnings of $1.44 per share, reflecting a 13.4% increase year-over-year, with revenues projected at $602.1 million, an 11.1% increase compared to the previous year [1] - The consensus EPS estimate has remained unchanged over the past 30 days, indicating analysts' reassessment of their projections [1][2] - Analysts predict specific revenue metrics for Frontdoor, including $458.90 million from 'Revenue by Customer Channel- Renewals', a 9% year-over-year increase [3] Revenue Projections - 'Revenue by Customer Channel- Other' is expected to reach $47.45 million, indicating a significant year-over-year change of 35.6% [4] - 'Revenue by Customer Channel- Direct-to-consumer (First-Year)' is projected at $55.00 million, reflecting a 10% increase year-over-year [4] - 'Revenue by Customer Channel- Real estate (First-Year)' is anticipated to be $41.40 million, suggesting a 15% year-over-year change [5] Stock Performance - Frontdoor's shares have decreased by 3.1% over the past month, contrasting with a 0.6% increase in the Zacks S&P 500 composite [5] - The company holds a Zacks Rank 3 (Hold), indicating expectations to mirror overall market performance in the near future [5]