Group 1 - Mastercard Incorporated (NYSE:MA) is considered one of the best stocks to buy in 2026 for beginners, with multiple analysts providing positive rating updates [1] - Citi reiterated a Buy rating on Mastercard and set a price target of $735, indicating strong confidence in the stock's performance [1] - Compass Point upgraded Mastercard from Neutral to Buy, raising the price target from $620 to $735, and expressed a favorable outlook for the payment networks sector [2] - TD Cowen increased the price target for Mastercard from $654 to $668 while maintaining a Buy rating, citing steady fundamentals and resilience in consumer spending [3] Group 2 - Mastercard operates as a technology company providing payment solutions, including debit, credit, prepaid, and commercial payment programs, under brands like Mastercard, Cirrus, and Maestro [3] - The company also offers intelligence and cyber solutions, enhancing its service portfolio [3]

Middle Coast Investing, an investment advisor firm, released its fourth-quarter 2025 investor letter. 2025 was a good year for the firm as well as for the broader market. A copy of the letter can be downloaded here. Stock markets tend to rise but often revert to their historical average. For the past three years, the S&P 500 has reported a 21.2% annualized return, which is above the mean. So, the signs of slowing growth have already been evident. The firm always focuses on investing in good companies at fa ...

Financial Performance & Growth Strategy - Edenred achieved €30 billion in Total Revenue in 2025[11], aiming for €5+ billion by 2030 through organic growth and M&A[73] - The company targets an annual EBITDA LFL growth of +8-12% from 2027 to 2028[77], with a rebasing year in 2026 showing +2-4% growth due to regulatory changes in Italy[374] - Edenred aims for a FCF/EBITDA conversion rate of ≥65% annually[77] Business Diversification & Market Penetration - Edenred generates 70% of its Operating Revenue in countries where it holds the 1 market position[11, 81] - The company is focused on a vastly underpenetrated market with less than 40% penetration in core markets[46, 81] - Diversification efforts have led to 40%+ of Operating Revenue coming from Beyond solutions[52] Digital Transformation & Innovation - Edenred invests >€500 million annually in product and technology[28], with ~€18 billion investment planned over the next 3 years[28, 190] - The company is increasing its focus on Data & AI, with a planned x6 increase in annual investment by 2028 compared to 2024[180, 190] Benefits & Engagement - The Benefits & Engagement sector has a Total Addressable Market of >€1100 billion, with ~35% penetration in core markets[220] - Edenred aims to increase the average number of solutions per client from 15 in 2025 to ~25 by 2028 in Benefits & Engagement[237] Mobility - Edenred's Mobility sector achieved €06 billion in Operating Revenue in 2024[267]

Core Insights - REPAY Holdings Corporation announced a new integration with Yooz, enhancing its payment solutions and financial automation capabilities [1] Group 1: Company Developments - The collaboration with Yooz aims to reduce accounting errors and mitigate the risk of delinquent or inaccurate payments [1] - This integration reflects REPAY's commitment to fostering more trusting and meaningful relationships with organizations [1]

Core Viewpoint - Berger Montague PC is investigating claims against Fiserv, Inc. following a class action lawsuit alleging that the company overstated its growth by not disclosing issues with its Clover payment platform [1][3]. Group 1: Lawsuit Details - The class action lawsuit claims that Fiserv and certain executives failed to disclose that Clover's revenue growth was artificially inflated due to the forced transition of merchants from the legacy Payeezy platform [3]. - Investors became aware of Fiserv's true financial situation after the company lowered its 2025 organic growth projections on July 23, 2025, leading to a significant decline in share price [4]. Group 2: Investor Information - Investors who purchased Fiserv securities between July 24, 2024, and July 22, 2025, have until September 22, 2025, to seek appointment as lead plaintiff representatives [2][5].

Core Insights - Zacks Premium offers various tools for investors to enhance their stock market strategies, including daily updates, research reports, and stock screens [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market in the short term [2] Zacks Style Scores Overview - The Style Scores categorize stocks based on value, growth, and momentum characteristics, assigning ratings from A to F, with A indicating the highest potential for outperformance [3] - Value Score focuses on identifying undervalued stocks using financial ratios like P/E and Price/Sales [4] - Growth Score assesses a company's financial health and future growth potential through earnings and sales projections [5] - Momentum Score identifies stocks with favorable price trends and earnings outlooks, utilizing recent price changes and earnings estimate revisions [6] Integration with Zacks Rank - The Zacks Rank is a proprietary model that uses earnings estimate revisions to aid in portfolio building, with 1 (Strong Buy) stocks achieving an average annual return of +23.75% since 1988, significantly outperforming the S&P 500 [7][8] - To maximize returns, investors should focus on stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B [9] - Stocks with lower ranks but high Style Scores may still face downward price pressure if earnings forecasts are declining [10] Company Spotlight: Corpay, Inc. - Corpay, Inc. is a global provider of commercial payment solutions, helping businesses automate and secure payments across various regions [11] - Currently rated 3 (Hold) by Zacks, Corpay has a VGM Score of A and a Value Style Score of B, supported by a forward P/E ratio of 15.42 [12] - Recent earnings estimates for fiscal 2025 have been revised upward, with the consensus estimate increasing by $0.09 to $21.09 per share, indicating a positive outlook for the company [12]

Core Insights - CompoSecure, Inc. is showcasing its Arculus direct onchain tap-to-pay capability at the Stablecoin Conference LATAM 2025, highlighting advancements in integrating crypto payments with traditional commerce [1][5] Group 1: Arculus Solution Overview - The Arculus direct onchain tap-to-pay solution bridges the crypto economy with real-world commerce, facilitating seamless transactions at traditional point-of-sale (POS) terminals [2] - This solution allows multifunctional capabilities on a single chip, enabling tap-to-pay transactions across both blockchain networks and traditional payment systems [2] Group 2: Benefits for Stakeholders - For POS providers, Arculus offers direct integration with existing systems without requiring new hardware, allowing them to accept crypto payments alongside traditional card payments [3] - Merchants can accept crypto payments instantly through existing contactless infrastructure, reducing friction at checkout and attracting a growing base of crypto users [3] - Onchain payments can lower transaction costs and settlement times compared to legacy payment networks, providing additional value to merchants [3] Group 3: Consumer and Wallet Provider Advantages - Arculus's wallet integration enables wallet providers to offer a tap-to-pay experience, allowing consumers to spend digital assets easily while maintaining self-custody and security [4] Group 4: Conference Presentation - Tom D'Eletto, Head of Arculus Products, will discuss the importance of security and user experience in the adoption of digital assets at the Stablecoin Conference LATAM [5][8]

Core Viewpoint - Berger Montague PC is investigating claims against Fiserv, Inc. following a class action lawsuit alleging that the company overstated its growth by not disclosing issues with its Clover payment platform [1][3]. Group 1: Lawsuit Details - The class action lawsuit claims that Fiserv and certain executives failed to disclose that Clover's revenue growth was artificially inflated due to the forced transition of merchants from the legacy Payeezy platform [3]. - Investors who acquired Fiserv securities between July 24, 2024, and July 22, 2025, can seek to be appointed as lead plaintiff representatives by the deadline of September 22, 2025 [2][5]. Group 2: Financial Impact - Fiserv's share price experienced a significant decline following disclosures on July 23, 2025, when the company lowered its 2025 organic growth projections and confirmed decelerated growth in its Merchant segment [4].

Core Viewpoint - Berger Montague PC is investigating claims against Fiserv, Inc. following a class action lawsuit alleging that the company overstated its growth by not disclosing issues with its Clover payment platform [1][3]. Group 1: Lawsuit Details - The class action lawsuit claims that Fiserv and certain executives failed to disclose that Clover's revenue growth was artificially boosted by forcing merchants to transition from the legacy Payeezy platform [3]. - Investors became aware of Fiserv's true financial situation after the company lowered its 2025 organic growth projections on July 23, 2025, leading to a significant decline in share price [4]. Group 2: Investor Information - Investors who purchased Fiserv securities between July 24, 2024, and July 22, 2025, have until September 22, 2025, to seek appointment as lead plaintiff representatives [2][5].

Company Overview - Global Blue is a leader in tax-free shopping, operating at the intersection of travel and luxury retail, with a simple revenue model based on a percentage of tax-free spending[12] - The company estimates its enterprise value to be approximately €1.8 billion, calculated from an equity value of ~€1.2 billion plus net debt and other debt-like items of ~€0.6 billion[12, 13] - Global Blue's Tax Free Shopping (TFS) Sales in Store (SiS) completed amounted to €20 billion in FY23/24[15] - The company has a 70% market share in Tax Free Shopping[12, 26] Financial Performance - The company achieved over €200 million in annualized Adjusted EBITDA[11, 36] - Global Blue has historically demonstrated strong cash conversion, with over 80% cash conversion rate[12] - In FY23/24, Global Blue experienced a 36% year-over-year increase in Group Revenue and a 91% year-over-year increase in Adjusted EBITDA[34, 35] - Q1 FY24/25 results show a 25% year-over-year revenue growth and a 55% year-over-year Adjusted EBITDA growth, with an Adjusted EBITDA margin of 37%[37] Growth and Future Targets - The company is targeting long-term revenue growth of 8% to 12%[49, 50] - Global Blue is aiming for a long-term capital structure with net debt to LTM EBITDA ratio of less than 25x[51, 52] - The company is guiding for more than €200 million in EBITDA for the current financial year[49, 50]