Core Viewpoint - The House of Representatives has passed the Housing for the 21st Century Act, which aims to modernize federal housing policy, increase housing supply, and improve affordability for American families [1] Group 1: Legislative Impact - The Housing for the 21st Century Act addresses structural challenges in the U.S. housing market by updating outdated regulations and promoting innovation in housing construction [1] - The Act seeks to expand access to safe and affordable housing options as housing costs rise faster than incomes in many communities [1] Group 2: Company Perspective - LendingTree commends the legislation as a step toward aligning housing policies with current economic realities, emphasizing the importance of supply growth and reducing barriers [1] - The company believes that robust competition in the housing and financial services markets leads to better outcomes for consumers, including lower costs and greater transparency [1] Group 3: Consumer Focus - The legislation is seen as a means to help consumers make informed financial decisions and achieve greater housing security [1] - LendingTree supports policies that responsibly expand housing supply and modernize frameworks to benefit consumers [1]

Core Insights - The current Q4 earnings season highlights the importance of cash flow over mere profit numbers for investors seeking to identify stocks with strong financial health [1][2] Cash Flow Importance - Cash flow is a critical indicator of a company's financial health, providing flexibility for decision-making, investment opportunities, and sustaining growth [2] - Companies with positive cash flow can meet debt obligations, cover expenses, reinvest, and return wealth to shareholders, while negative cash flow indicates declining liquidity and reduced operational flexibility [4] Growth and Management Efficiency - Positive cash flow alone does not guarantee future growth; increasing cash flow is essential as it reflects management's efficiency in cash management and reduces reliance on external financing [5] Screening Parameters - A screening process was conducted to identify stocks with increasing cash flow, focusing on those whose latest quarter cash flow met or exceeded the 5-year average per share [6] - Stocks were selected based on Zacks Rank 1, average broker ratings, current price thresholds, and VGM Scores of B or better [7] Selected Stocks - Enova International, Inc. (ENVA) shows improving cash flow trends, with a revised Zacks Consensus Estimate for 2026 earnings up by 6.2% to $15.13 per share and a VGM Score of A [8] - Cimpress plc (CMPR) benefits from rising cash flows due to increased demand for customized print and digital products, with a 1.1% improvement in the 2026 earnings estimate to $3.54 and a VGM Score of A [9] - DNOW Inc. (DNOW) is a leading provider in energy and industrial solutions, with an 8.7% upward revision in the 2026 earnings estimate to $1.00 and a VGM Score of A [10] - Pursuit Attractions and Hospitality, Inc. (PRSU) operates various hospitality destinations, with a 13.9% increase in the 2026 earnings estimate to $1.31 and a VGM Score of A [11]

Core Viewpoint - Wealthfront Corporation is under investigation for potential violations of federal securities laws, particularly concerning misleading statements made during its IPO process [1][3]. Company Overview - Wealthfront is an online financial advisor that utilizes automated tools to provide investment and financial advice [2]. IPO Details - On December 12, 2025, Wealthfront completed its IPO, offering over 34 million shares at a price of $14.00 per share [2]. Investigation Focus - The investigation by Bleichmar Fonti & Auld LLP centers on whether Wealthfront made false and misleading statements to investors, especially in the IPO offering materials [3]. Stock Performance - Wealthfront's stock experienced a significant decline following its first quarterly results as a public company, reporting net deposit outflows of $208 million, a reversal from $874 million in inflows during the same period the previous year [4]. - Following the earnings call on January 12, 2026, where CEO David Fortunato discussed the company's challenges and his personal stake in the home-lending business, the stock price dropped by $2.12, nearly 17%, from $12.59 to $10.47 per share [4].

Core Viewpoint - The article emphasizes the importance of identifying sustainable trends in short-term investing, highlighting that while price momentum can be profitable, ensuring its longevity is crucial for success [1][2]. Group 1: Stock Performance - Enova International (ENVA) has shown a solid price increase of 35.7% over the past 12 weeks, indicating strong investor interest [4]. - The stock has also maintained a price increase of 6.2% over the last four weeks, suggesting that the upward trend is still intact [5]. - ENVA is currently trading at 104.1% of its 52-week high-low range, indicating a potential breakout [5]. Group 2: Fundamental Strength - ENVA holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. - The Zacks Rank system has a strong historical performance, with Rank 1 stocks generating an average annual return of +25% since 1988 [7]. Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks with sufficient fundamental strength to maintain their upward trends [3]. - In addition to ENVA, there are other stocks that meet the criteria of the "Recent Price Strength" screen, suggesting further investment opportunities [8]. - The Zacks Research Wizard can assist investors in backtesting stock-picking strategies to ensure past profitability [9].

Core Insights - Investors favor businesses with consistent profitability, measured effectively by net profit margin, which indicates a company's efficiency in converting sales into profits [1][2] Company Analysis - **Enova International, Inc. (ENVA)**: A financial technology company providing online financial services to non-prime consumers and small businesses. It has a Zacks Rank of 1 and a VGM Score of A. The 2026 earnings estimate has been revised upward by 3.3% to $14.72 per share, with an average earnings surprise of 8.66% over the last four quarters [9][10] - **RF Industries, Ltd. (RFIL)**: Engaged in the design and manufacture of coaxial connectors for various applications. It holds a Zacks Rank of 1 and a VGM Score of B. The fiscal 2026 earnings estimate has been revised upward by $0.08 to $0.43 per share, with an average earnings surprise of 74.31% over the last four quarters [11][12] - **Interactive Brokers Group, Inc. (IBKR)**: Operates as an automated global electronic broker specializing in various financial instruments. It has a Zacks Rank of 1 and a VGM Score of B. The 2026 earnings estimate has been revised upward by $0.12 to $2.35 per share, with an average earnings surprise of 11.95% over the last four quarters [13][14] - **Remitly Global, Inc. (RELY)**: A mobile-first provider of remittances and financial services for immigrants. It carries a Zacks Rank of 2 and a VGM Score of A. The 2026 earnings estimate remains unchanged at $0.34 per share, with an average earnings surprise of 127.38% over the last four quarters [14][15] Investment Criteria - A healthy net profit margin and solid EPS growth are critical for investment attractiveness. Additional screening parameters include a net margin of at least 0%, positive EPS growth, and a strong broker rating [6][7][8]

Core Viewpoint - LendingTree, Inc. is set to release its fiscal fourth quarter 2025 results on March 2, 2026, after market close, along with a shareholder letter available on its website [1]. Group 1: Earnings Announcement - The earnings conference call will take place at 5:00 p.m. ET on the same day, with a simultaneous webcast available on the company's investor relations website [2]. Group 2: Company Overview - LendingTree, Inc. operates as the parent company of LendingTree, LLC and several other subsidiaries, collectively referred to as "LendingTree" [3]. - LendingTree is recognized as one of the largest online financial platforms in the U.S., providing consumers access to various financial products through a network of over 430 financial partners [4]. - The company has a history of assisting millions of customers in obtaining financing, saving money, and enhancing their financial health through innovative products and personalized recommendations [4].

Core Viewpoint - Enova International will release its fourth quarter and full year 2025 financial results on January 27, 2026, after market close [1] Financial Results Announcement - The financial results will be discussed in a conference call scheduled for 4 p.m. Central Time / 5 p.m. Eastern Time on the same day [2] - A live webcast of the call will be available on the Enova International Investor Relations website, along with the earnings press release and supplemental financial information [2] Conference Call Details - The U.S. dial-in number for the call is 1-855-560-2575, with a separate number for non-U.S. callers [3] - A replay of the conference call will be accessible until February 3, 2026, with the U.S. dial-in for the replay being 1-877-344-7529 [3] Company Overview - Enova International is a leading online financial services company that has provided over $65 billion in loans and financing to more than 13 million customers over the past 20 years [4] - The company focuses on serving small businesses and consumers who are underserved by traditional banks, utilizing machine learning and analytics to power its financial products [4]

Market Overview - The U.S. stock market is expected to remain volatile due to a criminal investigation into Federal Reserve Chair Jerome Powell, leading traders to favor safe-haven assets [1] - Increased market uncertainty is prompting a shift towards low-beta stocks [1] Low-Beta Stocks - Futu Holdings Limited (FUTU) is experiencing rapid growth as clients invest more through its fully digitalized financial services platform, indicating heightened trust from investors, including those outside Hong Kong [6] - J & J Snack Foods Corp. (JJSF) has a strong balance sheet with negligible debt and is focused on returning capital to shareholders, planning to accelerate stock repurchases [7][8] - Natural Gas Services Group, Inc. (NGS) benefits from rising exports of Liquefied Natural Gas (LNG), as increased demand for compression equipment is driven by the need to transport gas through pipelines [9] - The Vita Coco Company, Inc. (COCO) is thriving in the healthy drink sector, particularly with its leading coconut water brand, as demand for coconut water is booming across various regions [10]

Leadership Changes - LendingTree, Inc. has promoted Ian Smith to Chief Operating Officer, succeeding Scott Peyree, who has moved to the role of Chief Executive Officer following the passing of founder Doug Lebda [1][4] - Laura Nelson will take over as Head of Insurance, reflecting the company's focus on disciplined execution and long-term growth [2][5] Operational Focus - As COO, Smith will manage day-to-day operations across LendingTree, applying the operational rigor he established in the insurance sector to the broader organization [3][4] - Nelson, previously Senior Vice President of Sales, will lead the insurance marketplace, focusing on strategy, execution, and performance while strengthening relationships with carriers [5][6] Company Background - LendingTree is a leading online financial services marketplace, providing access to loans, credit cards, insurance, and more through a network of approximately 430 financial partners [7] - The company has helped millions of customers improve their financial health since its founding, emphasizing innovative products and personalized financial recommendations [7]

Company Overview - LendingTree, Inc. operates LendingTree.com, a leading online financial services marketplace in the U.S. [1] - The company is headquartered in Charlotte, NC, and is a parent company of LendingTree, LLC and its subsidiaries [3][5] - LendingTree connects consumers with over 430 financial partners, offering loans, credit cards, insurance, and more [4] Upcoming Events - Scott Peyree, CEO, and Andrew Wessel, SVP of Investor Relations, will participate in a fireside chat on January 13 at 12:45 p.m. ET [2] - The fireside chat will be webcast live and archived on the company's investor relations website [2]