OMA SAVINGS BANK PLC, STOCK EXCHANGE RELEASE 30 OCTOBER 2025 AT 15.15 P.M., FINANCIAL CALENDAR Oma Savings Bank Plc's financial reporting and Annual General Meeting in 2026 Oma Savings Bank Plc (OmaSp) will publish financial information in 2026 as follows: 12 February 2026 Financial Statements Release for 20257 May 2026 Interim Report January-March 202613 August 2026 Interim Report January-June 20265 November 2026 Interim Report January-September 2026 The Financial Statements, Annual Report, Sustainability ...

OMA SAVINGS BANK PLC, INVESTOR NEWS 27.10.2025 Oma Savings Bank Plc to publish its January-September 2025 interim report on 3 November 2025 Oma Savings Bank Plc will publish its interim report for January-September 2025 on 3 November 2025. The announcement will be available on the company's website after publication at https://www.omasp.fi/en/investors OmaSp will hold a Finnish-language webcast on 3 November 2025 at 11.00 EET, and the link to the webcast can be accessed from here. The results will be prese ...

Core Insights - Visa Inc. is a leading payment technology company with a market cap of $614.7 billion, operating VisaNet for transaction processing and offering various payment products and services [1] Financial Performance - Analysts anticipate Visa to report a profit of $2.96 per share for fiscal Q4 2025, reflecting a 9.2% increase from $2.71 per share in the same quarter last year [2] - For fiscal 2025, the expected profit is $11.43 per share, a 13.7% rise from $10.05 per share in fiscal 2024, with further growth projected to $12.84 per share in fiscal 2026, representing a 12.3% year-over-year increase [3] Stock Performance - Visa's stock has increased by 17.7% over the past 52 weeks, outperforming the S&P 500 Index's 13.8% gain and the Financial Select Sector SPDR Fund's 9.6% rise during the same period [4] Recent Earnings Report - In Q3, Visa reported net revenue of $10.2 billion, a 14.3% year-over-year increase, exceeding consensus estimates by 3%. The adjusted EPS of $2.98 was up 23.1% from the previous year and 4.2% above Wall Street estimates [5] Analyst Ratings - Wall Street analysts maintain a "Strong Buy" rating for Visa, with 25 out of 36 analysts recommending "Strong Buy," four suggesting "Moderate Buy," and seven indicating "Hold." The average price target is $398.16, suggesting a potential upside of 16.4% from current levels [6]

Core Thesis - Nu Holdings Ltd. (NU) presents a compelling long-term growth opportunity driven by its under-monetized user base and substantial ARPAC upside [2][4] User Base and ARPAC - The bank currently serves 122.7 million users with a weighted-average ARPAC of $12.2, while mature cohorts generate $27–$28 per month, compared to incumbents at approximately $45 [2] - Management anticipates ARPAC to rise steadily toward incumbent levels while maintaining a low $1 cost to serve, creating significant operating leverage as cohorts mature [2] Revenue Projections - Under a conservative scenario, assuming flat user growth for the next five years and ARPAC rising to only $20, Nubank's revenue could reach $29.45 billion, translating to $5.89 billion in net income [2][3] - Modest assumptions of 5% user CAGR could lift revenue to $37.6 billion and net income to $7.5 billion, implying a market cap of $150 billion and approximately 17.5% annualized return [3] Market Capitalization and Upside Potential - Applying simple P/E multiples suggests a year-five market cap between $88 billion and $147 billion, indicating 31%–119% upside from the current valuation of $67.2 billion [3] - This analysis does not account for potential upside from user expansion, cross-sell opportunities, margin improvement, or international growth [3] Risk Factors - Risks include higher credit costs from macroeconomic shocks, ARPAC compression from mass-market pricing pressure, FX translation exposure, and execution challenges in scaling credit and payroll products [3] Investment Case - Nubank's combination of under-penetrated users, strong ARPAC growth potential, and low operating costs positions the stock for meaningful upside, making it a highly attractive investment case over the medium term [4] - The stock has appreciated approximately 20% since a previous bullish thesis in May 2025, which highlighted strong revenue and customer growth, high net income margins, and upside from underpenetrated financial services in Latin America [5]

Core Viewpoint - Citigroup Inc. is recognized as one of the best bank dividend stocks to buy, highlighting its strong position in the financial sector and consistent dividend payments [1][4]. Company Overview - Citigroup Inc. is one of the largest financial institutions globally, providing a diverse range of services including consumer banking, credit, investment banking, and Treasury solutions. Its operations are divided into three main segments: Global Consumer Banking, Institutional Clients Group, and Treasury and Trade Solutions [2]. - The company leverages its extensive global presence and broad client network to maintain a competitive advantage in the financial services industry [2]. Recent Developments - Citigroup has been focusing on digital transformation and enhancing operational efficiency to adapt to the changing financial landscape. The company's success is contingent upon effectively navigating economic challenges, ensuring regulatory compliance, managing risks, and investing in technology to improve customer experience and operational performance [3]. Dividend Information - Citigroup has a strong track record of distributing regular dividends to shareholders for the past 34 years, making it one of the best dividend stocks in the banking sector. The current quarterly dividend is $0.60 per share, with a dividend yield of 2.36% as of September 24 [4].

Group 1 - Visa Inc. is a payment technology company that processes transactions through VisaNet and offers various payment products and services, including credit, debit, and prepaid options [2] - Jim Cramer highlighted the recent stock decline of Visa and mentioned that the emergence of stablecoins and blockchain competition presents an investment opportunity to buy Visa at a favorable price [1] - Cramer compared Visa with other major players like MasterCard and American Express, noting that Visa and MasterCard are valued higher than American Express in terms of price-to-earnings (PE) multiples, but he expressed a preference for American Express due to its appeal to a younger demographic [2] Group 2 - Cramer emphasized that owning shares in Visa, MasterCard, or American Express is a sound investment decision, as they are considered some of the best companies in America [2] - The article suggests that while Visa has investment potential, certain AI stocks may offer greater upside potential and less downside risk [2]

Core Insights - Bank of America has been ranked as the number one small business lender in the U.S. for 17 consecutive quarters, maintaining this position since Q2 2021, with total small business loan balances reaching $46.7 billion [1][2]. Group 1: Company Performance - The company serves nearly 4 million small business households across the U.S., providing tailored solutions to meet their unique challenges [2][3]. - Bank of America has a network of local bankers in over 200 communities, offering a single point of contact for business owners to access a wide range of financial products and services [3]. Group 2: Industry Recognition - Bank of America has been recognized as the "World's Best Bank for Small and Medium-Sized Enterprises" and has received the title of "North America's Best Bank for Small and Medium-Sized Enterprises" for ten consecutive years by Euromoney [4]. Group 3: Company Overview - Bank of America is a leading financial institution, serving approximately 69 million clients with a comprehensive range of banking, investing, and asset management services [5]. - The company operates approximately 3,700 retail financial centers and around 15,000 ATMs, with about 59 million verified digital users [5].

Core Insights - The global fintech market is projected to reach $1.12 trillion by 2032, attracting investor interest in disruptors like StoneCo and Upstart that can scale profitably amid changing regulatory and macroeconomic conditions [1] Company Overview: StoneCo - StoneCo is focused on Brazil's micro, small, and medium business (MSMB) market, offering a full-stack payments, banking, and credit solution [2] - The company reported a 17% year-over-year increase in MSMB total payment volume (TPV) to R$119.5 billion and a 17% rise in active clients to 4.3 million in Q1 2025 [4] - Retail deposits grew by 38% year over year to R$8.3 billion, with R$6.3 billion in time deposits, enhancing funding diversification [5] - StoneCo's credit portfolio stands at R$1.4 billion with non-performing loans (NPLs) at 4.57%, indicating effective risk management [5] - A strategic divestiture of its software segment, including the R$3.41 billion sale of Linx, is expected to improve margins and operational focus [6] - The company has seen an increase in "heavy users" of its services, rising from 26% to 38% [6] Company Overview: Upstart - Upstart utilizes an AI-driven underwriting platform, automating 92% of loans in Q1 2025, with conversion rates improving to 19% [8] - The company is expanding into new verticals such as auto refinancing and HELOCs, with auto originations increasing by 42% sequentially and HELOC volumes growing by 52% [9] - Over 50% of Upstart's loan volume is now backed by committed capital, with 32% of originations coming from super-prime borrowers, indicating improved credit quality [9] Valuation and Performance Comparison - StoneCo trades at a forward Price/Sales (P/S) ratio of 1.39, while Upstart's P/S ratio is 6.64, suggesting StoneCo is more attractively valued [10][15] - StoneCo's sales and EPS estimates for 2025 imply year-over-year increases of 7.6% and 10.4%, respectively [12] - Upstart's sales estimates for 2025 indicate a significant year-over-year rise of 59.5% [14] - Year-to-date, StoneCo shares have outperformed both Upstart and the S&P 500 composite [16] Conclusion - StoneCo presents a compelling investment opportunity with its focus on profitable growth in an emerging market, while Upstart is recognized for its innovative approach in credit underwriting [18] - Despite both companies holding a Zacks Rank of 3 (Hold), StoneCo's valuation appears more favorable at this time [19]