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Enigmatig Ltd is an international consultancy firm providing one-stop cross-border licensing solutions and related services. Its services range from assisting clients in incorporating companies in overseas jurisdictions and related corporate secretarial services to a wide range of licensing and regulatory maintenance services. Its clients consist of small and medium-sized corporations setting up contracts for different brokerage businesses, in particular foreign exchange brokerage businesses in overseas jurisdictions. Its corporate services income is mainly generated from fees received assisting its clients to obtain, renew and comply with a range of business licenses (including brokerage licenses and other financial licenses) in a variety of jurisdictions (in London, Cyprus and Belize).

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Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) has been a rare laggard among the tech giants in 2025, down 15% year-to-date and underperforming peers like Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and Microsoft Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NYSE">MSFT</a>). 
But a powerful mix of seasonal strength, rising App Store revenue and improving sentiment could set up the stock for a rare comeback—and Bank of America thinks the recent data might mark <a href="https://www.benzinga.com/trading-ideas/short-ideas/25/07/46251589/sp500-technical-analysis-rsi-july-2025">a potential turning point.</a>
<h3 class="wp-block-heading">Apple's Revenue Engine Is Revving</h3>
"The App Store saw strong +12% year-over-year revenue growth in June," the bank&#8217;s analyst Wamsi Mohan said in a note dated July 2, citing SensorTower data. 
Fiscal third-quarter App Store sales jumped to $8.4 billion, up from $7.5 billion in the same period last year, while downloads grew 4.3%. Notably, dollars spent per download rose nearly 7% to $0.98—a sign that Apple's monetization per user is improving.
Gaming, which once accounted for more than half of all App Store revenue, has seen its share fall to 45% in fiscal third quarter. Meanwhile, other categories like productivity, utilities, lifestyle, education, and photo &amp; video apps are steadily gaining traction.
Productivity apps alone saw their revenue share climb by 200 basis points year-over-year, the largest gain of any category, while books, education and lifestyle apps each gained around 100 basis points. 
This suggests consumer spending is diversifying across the ecosystem, and Apple may be less reliant on volatile gaming trends than in the past.
Another trend in Apple's App Store performance is who's driving the revenue. The top 10 developers now account for nearly 25% of total revenue year-to-date, split between studios with single hit apps like Tinder and ChatGPT, and larger firms like Tencent and Google that operate multiple apps.
With the company now capturing more value from non-gaming categories like productivity, lifestyle and utilities—and maintaining resilience despite regulatory changes—Mohan reiterated a Buy rating with a price objective of $235, implying a nearly 10% upside from the July 3 close at $213.55.
<h3 class="wp-block-heading">Why July Could Be Apple's Golden Month</h3>
History shows July is far and away Apple's strongest month. Over the last 20 years, the stock has ended July in positive territory 17 times, averaging a 7.6% gain. 
Since 2016, Apple has won every single July—marking a nine-year winning streak. Standout gains include 18.9% in 2022 and 18.6% in 2006.
Going further back, the trend holds: Apple has finished July higher in 23 of the past 30 years, with an average return of 7.3%. Just as striking, its performance relative to the S&amp;P 500 has been positive in 77% of those years, beating the benchmark by an average of 5.8%.
No other stock in the S&amp;P 500 has matched that level of consistency or magnitude in July.
There have been some rare drawdowns—namely in 2001, 2002 and 2008—when Apple fell 19.2%, 13.9% and 5.1%, respectively. But those declines coincided with broader market collapses, not company-specific weakness. In recent history, any red July prints have been shallow: down 3.3% in 2015 and less than 1% in 2004.
That makes July something of a seasonal floor for Apple stock, especially when paired with strong fundamentals like rising services revenue and growing diversification outside gaming within the App Store ecosystem.
<figure class="wp-block-table is-style-stripes"> 
<table class="has-fixed-layout">
<thead>
<tr>
<th>Year</th>
<th>AAPL July Return (%)</th>
</tr>
</thead>
<tbody>
<tr>
<td>1994</td>
<td>27.12</td>
</tr>
<tr>
<td>1995</td>
<td>-3.10</td>
</tr>
<tr>
<td>1996</td>
<td>4.76</td>
</tr>
<tr>
<td>1997</td>
<td>22.81</td>
</tr>
<tr>
<td>1998</td>
<td>20.70</td>
</tr>
<tr>
<td>1999</td>
<td>20.24</td>
</tr>
<tr>
<td>2000</td>
<td>-2.98</td>
</tr>
<tr>
<td>2001</td>
<td>-19.18</td>
</tr>
<tr>
<td>2002</td>
<td>-13.88</td>
</tr>
<tr>
<td>2003</td>
<td>10.60</td>
</tr>
<tr>
<td>2004</td>
<td>-0.61</td>
</tr>
<tr>
<td>2005</td>
<td>15.87</td>
</tr>
<tr>
<td>2006</td>
<td>18.67</td>
</tr>
<tr>
<td>2007</td>
<td>7.96</td>
</tr>
<tr>
<td>2008</td>
<td>-5.07</td>
</tr>
<tr>
<td>2009</td>
<td>14.72</td>
</tr>
<tr>
<td>2010</td>
<td>2.27</td>
</tr>
<tr>
<td>2011</td>
<td>16.33</td>
</tr>
<tr>
<td>2012</td>
<td>4.58</td>
</tr>
<tr>
<td>2013</td>
<td>14.12</td>
</tr>
<tr>
<td>2014</td>
<td>2.87</td>
</tr>
<tr>
<td>2015</td>
<td>-3.29</td>
</tr>
<tr>
<td>2016</td>
<td>9.01</td>
</tr>
<tr>
<td>2017</td>
<td>3.27</td>
</tr>
<tr>
<td>2018</td>
<td>2.80</td>
</tr>
<tr>
<td>2019</td>
<td>7.64</td>
</tr>
<tr>
<td>2020</td>
<td>16.51</td>
</tr>
<tr>
<td>2021</td>
<td>6.50</td>
</tr>
<tr>
<td>2022</td>
<td>18.86</td>
</tr>
<tr>
<td>2023</td>
<td>1.28</td>
</tr>
<tr>
<td>2024</td>
<td>5.44</td>
</tr>
</tbody>
<tfoot>
<tr>
<td>Average&nbsp;gain</td>
<td>7.3%</td>
</tr>
<tr>
<td>Win ratio</td>
<td>77%</td>
</tr>
</tfoot>
</table>
<figcaption class="wp-element-caption">Source: Author's own elaboration based on TradingView data</figcaption></figure>
Read now: 
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/economic-data/25/07/46253377/warren-buffett-trading-indicator-sp500-valuations">This Indicator Made Warren Buffett Famous — But It&#8217;s Been Wrong About The Market For Years </a></li>
</ul>
 Image: Shutterstock

Tech

AAPL

MSFT

NVDA

Apple's App Store Just Had A Blowout Quarter—And That Might Be The Signal Bulls Needed

Investors today back more than ideas—they back execution speed and proof of concept. But traditional software builds are slow, expensive, and unpredictable, raising risk for startup backers. That's why emerging founders are using AI development services in USA to create your free prototype, letting them validate product-market fit in weeks, not months—and dramatically reducing time-to-market.
AI-powered prototyping not only helps entrepreneurs refine their products—it gives investors confidence. Within the competitive arena of fintech, SaaS, and AI, having a working prototype is the difference between "maybe" and "funded." Today's investors care less about slides and more about seeing a living demonstration.
This post explores how AI development services in the USA streamline the journey from free prototype to investor‑ready MVP and ultimately profitable companies.
<h4 class="wp-block-heading">1. Why Free Prototypes Matter to Investors</h4>
In lean startup methodology, building a minimal viable product (MVP) is essential—but when limited by budgets, even an MVP can become a burden. Enter the concept of free prototype: a proof-of-concept build, often funded or accelerated through AI-powered services, designed to validate core hypotheses before raising serious capital.
<ul class="wp-block-list">
<li>De‑risking is the secret sauce: Investors aim to minimize risk. A free prototype answers key questions—Does the tech work? Are users engaged?—accelerating due diligence and increasing their confidence.</li>
<li>Tangibility trumps abstraction: Dragon-in-the-mirror pitch decks don't inspire trust. Working prototypes do.</li>
<li>Faster feedback = better valuations: Founders can iterate quickly based on early user results, refining product direction and strengthening investment terms.</li>
</ul>
By partnering with AI development services in USA, startups can create your free prototype without committing large internal dev resources. This agile approach reduces development risk and increases appeal to early-stage investors.
<h4 class="wp-block-heading">2. US AI Development Services: A Competitive Edge</h4>
Why turn to American-based AI firms? The USA leads in generative AI and enterprise innovation:
<ul class="wp-block-list">
<li>Top-tier talent and infrastructure: From Silicon Valley to Boston, US centers offer deep AI expertise and access to infrastructure suited for rapid development.</li>
<li>Regulatory clarity and investor networks: US-based services bring compliance readiness and are trusted by domestic and global VCs.</li>
<li>Cost-effective access models: Many providers include free prototype offerings, enabling founders to test faster without upfront costs while building pipelines for larger projects later.</li>
</ul>
These services act like accelerators, delivering both IP and advisory support to transform concepts into demo-ready prototypes.
<h4 class="wp-block-heading">3. How AI Prototyping Works in Practice</h4>
AI development services harness foundation models and pre-trained systems to generate interfaces, user flows, backend logic, and even UI components:
<ul class="wp-block-list">
<li>Foundation models cut dev time: Tools like GPT‑4 or vision models can generate boilerplate code, UX copy, and test cases—faster and cheaper than manual work.</li>
<li>Lean teams become super teams: A small team—a PM, a designer, and a developer—plus AI tools can build a full-stack prototype in days .</li>
<li>Budget‑friendly iteration: Rapid prototyping cycles cost less than $1k in cloud spend, allowing inexpensive pivots without sweetening cap tables.</li>
</ul>
Stage breakdown:
<ol class="wp-block-list">
<li>Define core hypothesis — What problem does the AI solve?</li>
<li>Engage AI dev service — Partner to build your free prototype.</li>
<li>Sprint and gather feedback — Test with users or advisors.</li>
<li>Iterate toward MVP — Use data to shape product direction.</li>
<li>Pitch with evidence — Demonstrate traction with working software.</li>
</ol>
<h4 class="wp-block-heading">4. Strong Market Indicators for AI‑Powered Prototyping</h4>
Several data points highlight demand:
<ul class="wp-block-list">
<li>Enterprise ROI in multiples: Businesses integrating AI report 3.5× average returns, reaching up to 8× for industry leaders.</li>
<li>Speed-to-market gains: AI reduces dev timelines by 20–50%, slashing costs and boosting competitive positioning.</li>
<li>Lean validation accelerated: Startups using AI for user feedback can prototype weeks faster, accelerating fundraising timelines.</li>
</ul>
For Benzinga's audience—financiers and founders—these figures signal that <a href="https://www.weblineglobal.com/ai-development-company-usa.html">AI development services in USA</a> are not buzz—they're delivering measurable value.
<h4 class="wp-block-heading">5. Real-World Example: Seed‑Stage Fintech Startup</h4>
Scenario: A team wants to launch an AI-powered debt-collection assistant targeting SMBs.
<ol class="wp-block-list">
<li>Hypothesis: Automated reminders reduce late payments.</li>
<li>Approach: Engage a US-based AI development service offering free prototyping.</li>
<li>Execution: In two weeks, a working dashboard with basic ChatGPT integrations is live.</li>
<li>Testing: Early testers report 30% reduction in late notices.</li>
<li>Pivot: Add analytics based on user behavior.</li>
<li>Pitch: With validated results and working software, founders secured $500k in seed funding.</li>
</ol>
Investor lens: Prototype showed early traction, justified a higher valuation, and reduced investor risk—creating a strong path to profit.
<h4 class="wp-block-heading">6. From Prototype to Profits: Scaling Strategies</h4>
Once a prototype proves product viability, AI dev services guide scale-up:
<ul class="wp-block-list">
<li>Building MVP: Add robust features and polish UI.</li>
<li>Custom backend services: Transition from prototype to production-grade systems.</li>
<li>Ongoing support: Inject AI continuously to improve UX and performance.</li>
<li>Compliance and scalability: US providers ensure regulatory readiness and technical stability for launching in new markets.</li>
</ul>
The result: a cost-efficient path from proof-of-concept to scalable, revenue-generating software.
<h4 class="wp-block-heading">7. How Investors Evaluate AI‑Built Products</h4>
Intelligent investors assess:
<ul class="wp-block-list">
<li>Tech readiness: Is the product functional and user-tested?</li>
<li>Path to revenue: Clear monetization strategy with demand validated.</li>
<li>Team augmentation: Are skilled founders backed by scalable development partners?</li>
<li>Market clarity: Does the prototype target a well-defined problem?</li>
</ul>
Partnering with AI dev firms in the USA shows founders know how to leverage teams, infrastructure, and compliance—a huge signal to investors of professionalism and trajectory.
<h4 class="wp-block-heading">8. Tips for Founders to Maximize This Approach</h4>
<ul class="wp-block-list">
<li>Choose a clear problem — Center on tangible outcomes (e.g., "reduce late payments by 20% within 4 weeks").</li>
<li>Leverage free prototype offers — Many US AI firms offer early validation builds for free or low risk.</li>
<li>Optimize sprint cycles — Structure short, focused sprints with rapid feedback.</li>
<li>Track metrics early — Present hard numbers to investors: adoption rates, retention, conversions.</li>
<li> Have startup levers ready — Include revenue tools: subscriptions, transaction fees, or freemium models.</li>
</ul>
Startup resources like ChatGPT, AWS, and managed AI services help founders iterate rapidly, feedback fast, and pivot smart—while preserving limited runway.
<h4 class="wp-block-heading">9. Common Concerns (and How to Address Them)</h4>
<ul class="wp-block-list">
<li>&#8220;Free prototype&#8221; is too good to be true: Providers offer free pilots to attract long-term clients.</li>
<li>Is outsourcing versus in-house a compromise? It's a trade-off—founders remain in control and scale hiring later.</li>
<li>Will AI-built prototypes hold up under investor scrutiny? Yes—especially if backed with usage data and user testimonials.</li>
<li>Data and compliance risk: US-based AI services invest in security and regulatory frameworks to support finance clients.</li>
</ul>
<h4 class="wp-block-heading">Conclusion: Profit Starts Before the Pitch</h4>
The path from idea to funded venture no longer starts with polished slide decks—it starts with function. AI-powered free prototypes become powerful tools for investor conversations.
For founders: Tap AI development services in USA to accelerate validation, reduce risk, and maximize your fundraising leverage. For investors: Watch for startups with real, testable prototypes—they're the new benchmark for discipline, speed, and potential.
<h4 class="wp-block-heading">&#x2A;&#x2A;</h4>
<h4 class="wp-block-heading">The Road Ahead for Founders &amp; Investors</h4>
Investors will increasingly look for early validation via AI-built products. Founders who <a href="https://wpe.weblineindia.com/idea-prototype">create your free prototype</a> sharply improve funding odds and valuations. AI development services in USA give them the tools to test fast, iterate smart, and scale securely.

Opinion

General

From Prototype To Profit: How AI Development Services In USA Turn Ideas Into Investor‑Ready Products

American Water Works Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AWK#NYSE">AWK</a>) has outperformed the market over the past 15 years by 1.04% on an annualized basis producing an average annual return of 13.46%. Currently, American Water Works Co has a market capitalization of $27.31 billion. 
Buying $1000 In AWK: If an investor had bought $1000 of AWK stock 15 years ago, it would be worth $6,596.80 today based on a price of $140.05 for AWK at the time of writing.
<h3>American Water Works Co's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751639412_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

News

Trading Ideas

Here's How Much You Would Have Made Owning American Water Works Co Stock In The Last 15 Years

Corcept Therapeutics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CORT#NASDAQ">CORT</a>) has outperformed the market over the past 20 years by 4.93% on an annualized basis producing an average annual return of 13.43%. Currently, Corcept Therapeutics has a market capitalization of $7.66 billion. 
Buying $100 In CORT: If an investor had bought $100 of CORT stock 20 years ago, it would be worth $1,222.84 today based on a price of $72.27 for CORT at the time of writing.
<h3>Corcept Therapeutics's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751638511_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

CORT

Here's How Much $100 Invested In Corcept Therapeutics 20 Years Ago Would Be Worth Today

Cava Group's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CAVA#NYSE">CAVA</a>) short percent of float has risen 9.13% since its last report. The company recently reported that it has 10.96 million shares sold short, which is 10.04% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.14 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Cava Group Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751637631_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Cava Group has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Cava Group's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Cava Group's peer group average for short interest as a percentage of float is 9.77%, which means the company has more short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

CAVA

How Do Investors Really Feel About Cava Group?

Valero Energy (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VLO#NYSE">VLO</a>) has outperformed the market over the past 5 years by 7.38% on an annualized basis producing an average annual return of 22.17%. Currently, Valero Energy has a market capitalization of $45.28 billion. 
Buying $1000 In VLO: If an investor had bought $1000 of VLO stock 5 years ago, it would be worth $2,560.30 today based on a price of $144.58 for VLO at the time of writing.
<h3>Valero Energy's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751637625_0_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In Valero Energy 5 Years Ago Would Be Worth This Much Today

MercadoLibre's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MELI#NYSE">MELI</a>) short percent of float has risen 5.8% since its last report. The company recently reported that it has 736 thousand shares sold short, which is 1.46% of all regular shares that are available for trading. Based on its trading volume, it would take traders 1.95 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>MercadoLibre Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751637625_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for MercadoLibre has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing MercadoLibre's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, MercadoLibre's peer group average for short interest as a percentage of float is 11.16%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

MELI

How Is The Market Feeling About MercadoLibre?

Analog Devices's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADI#NYSE">ADI</a>) short percent of float has risen 4.11% since its last report. The company recently reported that it has 7.52 million shares sold short, which is 1.52% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.25 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Analog Devices Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751637620_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Analog Devices has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Analog Devices's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Analog Devices's peer group average for short interest as a percentage of float is 5.33%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

How Do Investors Really Feel About Analog Devices?

Sanmai Technologies, a stealthy neurotechnology startup, has raised $12 million in a Series A round led by LinkedIn co‑founder <a href="https://www.benzinga.com/25/03/44369839/linkedin-co-founder-reid-hoffman-tells-stephen-colbert-why-elon-musk-running-the-doge-department-like-a-business-should-worry-us-all-government-and-companies-are-not-the-same">Reid Hoffman</a>, who will also join its board of directors,<a href="https://www.bloomberg.com/news/articles/2025-06-23/reid-hoffman-invests-in-ultrasound-and-ai-powered-brain-startup-sanmai"> Bloomberg</a> reports.
Sanmai is developing a non‑invasive, AI‑guided focused ultrasound headset to treat mental health disorders and improve cognitive function. The device is designed to sell for under $500, making clinic‑grade brain stimulation accessible at home. According to Bloomberg, this funding aligns with growing interest from billionaire investors in cutting‑edge brain science, such as Coinbase co‑founder Fred Ehrsam's Nudge and <a href="https://www.benzinga.com/25/05/45156364/elon-musks-100m-climate-gamble-houstons-mati-carbon-wins-50m-with-rock-dust-hack-to-save-100m-farmers-across-3-continents">Elon Musk</a>'s Neuralink.
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<h2 class="wp-block-heading">Sanmai's Precision Treatment is Powered by AI and Ultrasound</h2>
Sanmai's headset uses low-intensity transcranial-focused ultrasound to target specific brain regions associated with conditions such as anxiety, depression, pain, epilepsy, and tremors, Bloomberg says. According to a<a href="https://www.linkedin.com/posts/sharenarice_billionaire-hoffman-backs-brain-startup-using-activity-7343277168245862400-yFhF/"> LinkedIn post</a> by neurotechnology research scientist and first employee at Sanmai Sharena Rice, an integrated AI companion guides treatment and helps determine which protocols are most effective, adapting the stimulation to each user&#8217;s skull structure and brain activity.
The system compensates for skull variations and dynamically adjusts ultrasound parameters to maximize efficacy and safety. Rice confirmed in the LinkedIn post that combining AI with focused ultrasound enables precise deep‑brain stimulation without surgery.
Sanmai has developed an early clinical prototype of its device for generalized anxiety disorder. Bloomberg says that the company is also in discussions with the Food and Drug Administration as it prepares for formal clinical trials and regulatory review. Sanmai aims to validate its technology in clinical settings before expanding toward broader consumer availability.
"I thought it was very cool that it gives you a new instrument for dealing with a whole wide variety of brain things which are otherwise very difficult to deal with," Hoffman told Bloomberg. "Your toolset for dealing with things that are going wrong in the brain is very limited."
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<h2 class="wp-block-heading">A Decade of Research Moves From Lab to Clinic</h2>
Sanmai's low-intensity focused ultrasound system is designed to deliver energy through the skull, reaching precise areas of brain tissue without breaking the skin. According to Bloomberg, the technology, which stimulates neural activity by directing sound waves to specific targets, reflects more than ten years of academic research now transitioning into regulated clinical testing.
Sanmai founder Jay Sanguinetti began exploring brain stimulation as a graduate student, observing its effects on Parkinson's patients during invasive procedures. That experience laid the foundation for his pursuit of a safer, scalable alternative. "I saw every patient's life changed," he told Bloomberg. "But I got kind of bit by the bug of like, ‘How do you do this but non-invasively and at scale?'"
The company's eight-person team, operating largely in stealth until now, is preparing for broader trials after initial testing began at a Sunnyvale, California clinic for patients with generalized anxiety disorder. While Sanmai's goal is to create a home-use device priced below $500, Bloomberg says that the path forward requires individualized calibration, including magnetic resonance imaging scans and real-time adjustments to ultrasound dosage, before moving beyond clinical settings.
"The way to do this safely and at scale is to first go through the clinics," Sanguinetti told Bloomberg. "Then leverage that data to go out to the consumer."
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<h2 class="wp-block-heading">Private Capital Steps in as Federal Research Support Declines</h2>
Hoffman's investment in Sanmai comes at a time when private funding is playing an increasingly critical role in neuroscience innovation. With the U.S. government reducing its support for biomedical research, wealthy individuals like Hoffman are stepping in to advance technologies aimed at treating mental health disorders and neurological conditions,<a href="https://www.bloomberg.com/news/newsletters/2025-06-25/brain-implant-field-gains-billionaire-investors-as-federal-grants-dry-up"> Bloomberg</a> reports.
At a recent neuromodulation conference near Washington, dozens of scientists and clinicians voiced concern over federal funding cuts, including proposed reductions to the National Institutes of Health and the departure of more than 143 staffers from its neurological division. In this tightening environment, Bloomberg says that investors like Hoffman, who previously backed OpenAI, are becoming central to the development of next-generation brain technologies.
"Non-invasive is a much less risky approach for a significant benefit," Hoffman told Bloomberg. "The risk and difficulties in invasive strike me as very difficult to navigate and will take years, decades maybe."
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Billionaire Reid Hoffman Bets $12M On This AI Brain Scanner To Rival Neuralink — Without Surgery Or Drugs

Looking into the current session, Bristol-Myers Squibb Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BMY#NYSE">BMY</a>) shares are trading at $47.05, after a 1.22% drop. Over the past month, the stock decreased by 3.08%, but over the past year, it actually went up by 17.33%. With questionable short-term performance like this, and great long-term performance, long-term shareholders might want to start looking into the company's price-to-earnings ratio. 

<img src="https://www.benzinga.com/files/images/story/2025/1751637615_0.png" alt="Past Year Chart" />

<h3>Bristol-Myers Squibb P/E Ratio Analysis in Relation to Industry Peers</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of the 29.41 in the Pharmaceuticals industry, Bristol-Myers Squibb Inc. has a lower P/E ratio of 17.77. Shareholders might be inclined to think that the stock might perform worse than it's industry peers. It's also possible that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2025/1751637615_1.png" alt="Guage" />

In summary, while the price-to-earnings ratio is a valuable tool for investors to evaluate a company's market performance, it should be used with caution. A low P/E ratio can be an indication of undervaluation, but it can also suggest weak growth prospects or financial instability. Moreover, the P/E ratio is just one of many metrics that investors should consider when making investment decisions, and it should be evaluated alongside other financial ratios, industry trends, and qualitative factors. By taking a comprehensive approach to analyzing a company's financial health, investors can make well-informed decisions that are more likely to lead to successful outcomes.

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Markets

Price Over Earnings Overview: Bristol-Myers Squibb

Ripple's (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/xrp/usd">XRP</a>) bid for a U.S. national banking license has been described by industry experts as a potential turning point for the company and the broader stablecoin ecosystem, as it positions Ripple to issue and move stablecoins under federal oversight without <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46230381/xrp-spikes-3-as-ripple-applies-for-us-banking-license">reliance on traditional banks</a>.
In a statement sent to Benzinga, Chris Perkins, President of crypto-focused venture firm CoinFund, said Ripple's aggressive licensing strategy is building a formidable foundation for (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">RLUSD</a>), its stablecoin. 
&#8220;They're assembling a scalable and compliant infrastructure,&#8221; Perkins noted. 
&#8220;With the bank license, Ripple is setting itself up to issue RLUSD in line with GENIUS Act requirements. Their recent moves, including the acquisition of Hidden Road and investment in Bitnomial, strengthen their ability to serve institutional clients efficiently. For the XRP community, RLUSD is shaping up to be the preferred stablecoin.&#8221;
Arthur Azizov, founder of B2 Ventures, told Benzinga that Ripple is no longer just collaborating with banks, it's positioning to operate as one. 
&#8220;Ripple's timing is strategic, aligning its application with the Senate's progress on the GENIUS Act, which will define stablecoin regulation. By bringing RLUSD, the XRP ledger, and its liquidity services under one banking entity, Ripple could effectively cut out traditional intermediaries like SWIFT and correspondent banks,&#8221; Azizov explained. 
&#8220;This isn't an isolated move. We're seeing fintechs like Stripe and SoFi move into regulated banking territory. Ripple is now part of this shift, aiming to connect directly to core payment rails like Fedwire.&#8221;
Ryan Lee, Chief Analyst at Bitget Research, highlighted the regulatory and market implications of Ripple's latest step. 
&#8220;Applying for a banking license shows Ripple's intent to deepen its regulatory compliance and expand its institutional credibility. On the same day, Grayscale's multi-asset ETF, which includes XRP, received SEC approval. This signals growing acceptance of XRP in traditional finance circles,&#8221; Lee said. 
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&#8220;A federally regulated stablecoin could reinforce XRP's role in global payments. However, regulatory hurdles remain, and how quickly approvals come will be crucial for Ripple's momentum,&#8221; he added.
Lee added that XRP's inclusion in regulated investment products could improve liquidity and attract more institutional investors. 
However, he cautioned that ongoing legal uncertainties may affect XRP's near-term adoption pace.
Ripple's application comes shortly after stablecoin issuer Circle (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CRCL#NYSE">CRCL</a>) made a similar move, as crypto firms increasingly seek regulatory clarity to strengthen ties with the traditional financial system. 
Ripple CEO Brad Garlinghouse confirmed the application on social platform X, stating that the license, if granted, would place Ripple under both federal and New York state oversight, setting what he called &#8220;a new benchmark for trust in the stablecoin market.&#8221;
The banking license would give Ripple a unique position: issuing RLUSD directly, with full regulatory backing, while continuing to use the XRP ledger as the transaction layer and XRP itself as a liquidity tool. 
This move could further streamline Ripple's cross-border payment services, which are already moving significant volumes through on-demand liquidity corridors.
As crypto and fintech companies increasingly compete for territory historically dominated by legacy banks, Ripple's next steps may test how regulators approach the evolving intersection of crypto and traditional finance.
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Former hedge fund manager Martin Shkreli has issued a stark warning on the near-term trajectory of a biotech startup, just days after it witnessed a surge. 
What Happened: On Saturday, in a post on X, Shkreli forecasted a potential 90% drop in the shares of biotech startup, Inmune Bio Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INMB#NASDAQ">INMB</a>), a clinical-stage biotechnology company that is focused on using a patient&#8217;s immune system to fight cancers.
According to Shkreli, there&#8217;s a &#8220;very good chance $INMB will be at 0.50 on Monday,&#8221; a 90.61% drop from its closing price of $5.33 per share on Friday. 
This comes just days after the company&#8217;s shares surged 44% following a <a href="https://www.benzinga.com/news/health-care/25/06/46142036/inmune-bio-stock-soars-friday-on-alzheimers-treatment-hopes">burst of investor enthusiasm</a> surrounding its neuroinflammation candidate, XPro1595, which targets alzheimer&#8217;s disease and other central nervous system disorders. 
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While the former CEO of Retrophin and Turing Pharmaceuticals, popularly referred to as &#8220;Pharma Bro,&#8221; has failed to elaborate on his predictions in the post, he did do a comprehensive video takedown of the stock nearly two weeks ago, clearly outlining his critique of the company, its science and disclosures.
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<iframe loading="lazy" title="Martin Shkreli Exposes The HUGE Red Flags in This Biotech Stock INMB" width="500" height="281" src="https://www.youtube.com/embed/Xu5RWAWv2Jk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>
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Among Shkreli's key concerns was the lack of robust Phase 1 trial data and the absence of any peer-reviewed publication supporting the candidate's efficacy. 
He also criticized the study design for not including a placebo arm, which means there was no control group to compare outcomes against, making it difficult to determine whether any observed improvements were actually due to the drug or simply a placebo effect.
Inmune Bio did not immediately respond to Benzinga&#8217;s requests for a comment on this matter. This story will be updated as soon as we hear back.
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">very good chance <a href="https://twitter.com/search?q=%24INMB&amp;src=ctag&amp;ref_src=twsrc%5Etfw">$INMB</a> will be at 0.50 on Monday
&mdash; Martin Shkreli (@MartinShkreli) <a href="https://twitter.com/MartinShkreli/status/1938576339247726848?ref_src=twsrc%5Etfw">June 27, 2025</a></blockquote>
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Why It Matters: Last week, Shkreli&#8217;s claims received the backing of BMF Reports, an activist short-seller, which reiterated similar concerns in <a href="https://bmfreports.com/articles/inmb">its</a> short report, such as the flawed science, dubious trial designs, and even accounting improprieties, with millions having been paid to &#8220;ghost consultants.&#8221;
While <a href="https://www.benzinga.com/general/biotech/24/01/36754161/pharma-bro-martin-shkreli-cannot-return-to-drug-industry-ever-court-upholds-lifetime-ban">banned from returning</a> to the pharmaceuticals industry ever again due to his antitrust violations, Shkreli regularly comments on stocks on his X account alongside his YouTube channel.
Over a month ago, Shkreli shared similar views on <a href="https://www.benzinga.com/markets/equities/25/05/45367829/pharma-bro-martin-shkreli-rips-into-quantum-stocks-nothing-is-happening-accuses-ionq-d-wave-quantum-and-others-of-revenue-gimmicks">quantum computing stocks</a>, forecasting 90% downsides while accusing them of inflating their financial narratives to mislead investors. He believed that a quantum computing revolution was at least 50 years away.
&#8220;[The] Global Risk Institute interviewed 24 quantum computing experts who agreed it&#8217;s 20-30 years before we see RSA2048 broken. 20-30 years before quantum works. I say 50,&#8221; he said.
Price Action: Shares of Inmune Bio were down 15.13% on Friday, closing at $5.33 per share, and are down another 16.32% after hours.
<figure class="wp-block-image size-large"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="1024" height="146" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/30015941/Screenshot-2025-06-30-at-11.29.21-AM-1024x146.png" alt="" class="wp-image-966267" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/30015941/Screenshot-2025-06-30-at-11.29.21-AM-1024x146.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/30015941/Screenshot-2025-06-30-at-11.29.21-AM-300x43.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/30015941/Screenshot-2025-06-30-at-11.29.21-AM-768x110.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/30015941/Screenshot-2025-06-30-at-11.29.21-AM.png 1526w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
The stock scores low on Benzinga&#8217;s Edge Stock Rankings, but has a favorable price trend in the short, medium and long terms. Click <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">here</a> for more insights on the stock. 
Photo Courtesy: Martin Gregor on Shutterstock.com
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'Pharma Bro' Martin Shkreli Says 'Good Chance' Inmune Bio Stock Will Slip 90% On Monday

<a href="https://www.benzinga.com/personal-finance/25/04/44937340/im-a-nepo-baby-phoebe-gates-opens-up-on-privilege-pressure-and-her-billionaire-dads-college-warning">Phoebe Gates</a>, co-founder of AI-powered shopping assistant <a href="https://www.benzinga.com/news/25/05/45184302/bill-gates-daughter-launches-phia-a-850k-ai-powered-fashion-app-with-backing-from-kris-jenner-and-desiree-gruber">Phia</a>, is building a fashion-tech platform designed to change how people shop online by using smart data and a clean browser interface. Created with Sophia Kianni while they were roommates at Stanford, Phia compares prices, tracks resale value, and makes personalized product suggestions based on user behavior.
During an<a href="https://www.youtube.com/watch?v=IvP_wF1JBJo&amp;list=WL&amp;index=3&amp;ab_channel=Guyset"> interview</a> with Josh Felgoise on the "Guyset" podcast, Gates explained how she and Kianni made early mistakes, like designing only for desktop. &#8220;We first developed it, we frankly developed it only for desktop. And we spent months and months building this. Perfecting it, making the pixels perfect, making it look pretty, which now looking back, was a complete waste of time,&#8221; she said.
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<h2 class="wp-block-heading">Building a Startup as a ‘Nepo Baby' and the &#8216;Aha&#8217; Moment that Created Phia</h2>
Gates also opened up about the backlash she received after being labeled a &#8220;nepo baby.&#8221; &#8220;I think the issue that a lot of people have is just like not addressing it. I am a nepo baby—saying that, owning it. I have a lot of privilege because of where my family is, and I think it&#8217;s funny because people don&#8217;t address that and try to avoid it,&#8221; she said.&nbsp;
Phia was born out of a common but frustrating problem: finding the right outfit without wasting time or compromising values. What started as scrolling sessions on a Stanford dorm couch turned into a product designed to automate what traditional tools couldn't touch.
"We would spend hours sitting on our little couch looking for the perfect spring dress, the perfect pants or jeans for the first day of school," Gates said. "And we found that a lot of times, the things we wanted to buy just really didn't align with our morals. And also, it was just really freaking hard to find the item you wanted at a good price."
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What followed was a multi-platform scavenger hunt that quickly became routine. "We'd look it up on Depop. We'd look it up on RealReal. We'd look it up on Vestiaire. We'd look it up on eBay. Then we'd go check the Outnet. Let's see if it's on sale," Gates explained. "And it just didn't really make sense to us."
Some browser tools could flag discounts but none could answer the question of whether a product is worth it, or whether there is a smarter place to buy it. "There's nothing that's going to say, hey, this item holds value and we found it for you used on a secondhand site," she said.&nbsp;
Initially, the two co-founders assumed the problem might be personal, but once they started reaching out to other women, especially those who shopped regularly, their suspicion was confirmed. &#8220;We're talking 20 minutes when you're really searching for that item and you get to the bottom of that decision funnel," Gates said.
That insight sparked the concept for Phia. The decision funnel could be compressed, automated, and restructured around what Gates and Kianni believed actually mattered to today's shopper: speed, ethics, personalization, and secondhand visibility. "I was like, okay, well, that doesn't make any sense," Gates told Felgoise. "Why can't we just build a tool to automate that?"
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<h2 class="wp-block-heading">How Phia is Building a Smarter Shopping Engine</h2>
Phia's edge lies in the behavioral data it collects. "You download us from the app store and you&#8217;re going to toggle Phia on in your Safari extensions. And then it&#8217;s going to pop up and say, &#8216;Hey, can we follow you around while you shop?&#8217;" Gates explained. By operating in the browser instead of an app, the tool sees what users click, what they skip, and what patterns shape their choices.
When you&#8217;re browsing a product page, a small &#8216;P&#8217; icon appears asking, &#8216;Should I buy this?&#8217; Gates explained that clicking the icon activates Phia&#8217;s engine. &#8220;Within two seconds, we&#8217;re gonna tell you, this is how much value the item is gonna hold over time, and boom, we&#8217;re gonna show you if we found better deals,&#8221; she added.
If no better deal exists, Phia shows what other users who viewed that item ended up shopping for, or what might pair well with it. Gates mentioned that features like real-time price alerts, resale value trackers, and curated resale alternatives are designed to help shoppers make faster, smarter decisions.
Phia's product decisions are shaped by a strict consumer validation filter. Gates only considers feedback from users who align with their core demographic: women who genuinely love fashion and shop frequently. "If it&#8217;s a girl who I can tell from her Instagram loves to shop and she&#8217;s criticizing it&#8230; I&#8217;m listening," Gates said. &#8220;But if it&#8217;s a man who&#8217;s older, who I know doesn&#8217;t like to shop, I&#8217;m throwing that out the window.&#8221;
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<h2 class="wp-block-heading">Inside Phia's Growth Playbook</h2>
To keep up with the chaos of early-stage growth, Gates said she leans hard on structure. She also shared a framework she uses, inspired by Bumble (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BMBL#NASDAQ">BMBL</a>) CEO Whitney Wolfe Herd. &#8220;She talks about this idea of you wake up every morning and you have like a water pitcher that you can pour out and you can water plants. And that&#8217;s your energy for the day,&#8221; Gates said.
&#8220;When you&#8217;re thinking about &#8216;What does Josh think of me? Did I say something wrong on this podcast? Did I look ugly? Was my hair messed up?&#8217; You&#8217;re just standing there pouring out water and you&#8217;re watering plastic plants. Are you watering a plastic plant? Or are you dumping your water on things that are actually going to grow?&#8221; Gates said.
Phia now operates with a lean team of seven. According to its <a href="https://phia.com/">website</a>, Phia&#8217;s browser extension helps users instantly compare new and secondhand options across 40,000+ stores, saving hours of manual price checking and revealing which items are worth the spend.
Read Next: Tired of Grid Failures and Charging Deserts? This Startup Has a Solar Fix and $25M+ in Sales — <a href="https://www.benzinga.com/money/meet-the-company-seeking-to-give-americans-energy-independence-and-learn-how-you-can-become-an-early-investor">Now Raising at $3/Share</a>
Image: Shutterstock

BMBL

Phoebe Gates Opens Up About Being A 'Nepo Baby' And Reveals Dorm Room 'Aha' Moment That Sparked Fashion Startup Phia

At just 52 years old, a woman has been diagnosed with Stage 4 lung cancer. A non-smoker who had worked full-time since age 22, she now faces a terminal illness while trying to support her husband and three children — including one still in middle school. Although she's still working, she knows that may not last much longer.&nbsp;
She recently <a href="https://www.reddit.com/r/SocialSecurity/comments/1lfdyik/52_with_stage_4_cancer/">shared her story</a> on Reddit's r/SocialSecurity forum. She wrote, "Trying to figure out what program(s) I can qualify for through SS… I have tried to research this but it never feels complete."
Her post drew helpful replies, and her situation shines a light on what others facing a similar diagnosis might expect from <a href="https://www.benzinga.com/personal-finance/tax/25/06/46067538/i-assumed-it-was-a-scam-letter-at-first-social-security-claims-woman-was-overpaid-by-20491-after-making-275k-last-year">Social Security</a> — and how to navigate the process.
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</ul>
<h2 class="wp-block-heading">Compassionate Allowance Could Help Fast-Track Benefits</h2>
The Social Security Administration includes several types of lung cancer — including Stage 4 non-small cell and small cell lung cancer — on its <a href="https://www.ssa.gov/compassionateallowances/conditions.htm">Compassionate Allowances list</a>. This program fast-tracks claims for people with certain serious conditions that clearly meet SSA's disability standards.
That means someone like the Reddit poster can often get a quicker decision — sometimes in just a few weeks — once medical records are submitted. But there's a catch: To qualify, she needs to stop working or reduce her income below the limit.
As one commenter noted, "If you're still working, you cannot earn gross wages over $1,620 per month," referring to the 2025 threshold for <a href="https://www.ssa.gov/oact/cola/sga.html">Substantial Gainful Activity</a>. If someone earns more than that, SSA may deny the claim — regardless of the diagnosis.
Trending: Invest early in CancerVax's breakthrough tech aiming to disrupt a $231B market. <a href="https://www.benzinga.com/money/this-company-may-have-found-a-way-to-treat-cancer-by-tricking-the-bodys-immune-system-and-early-studies-show-some-promise-find-out-how-you-can-invest-in-the-future-of-cancer-treatment">Back a bold new approach to cancer treatment with high-growth potential.</a>
<h2 class="wp-block-heading">The TERI Flag: What It Means for Terminal Illness Cases</h2>
Because her illness is considered terminal, her application could be flagged as a TERI, or terminal illness, case. These are also processed quickly and tracked closely by Social Security staff.
The SSA <a href="https://secure.ssa.gov/poms.nsf/lnx/0423020045">defines</a> terminal illness as a condition that is untreatable and expected to result in death. A Stage 4 metastatic cancer diagnosis meets this standard. But to activate TERI processing, applicants must clearly state this on the phone or application, or provide medical records that confirm it.
One Reddit user urged strongly against filing a TERI claim online, stating that "all SSA offices have Teri appointment time slots that's available within a few days or a couple weeks."0 Instead, they recommend calling your local SSA office directly and scheduling a phone interview. This approach allows SSA staff to walk applicants through the forms and ensure a TERI flag is added.
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<h2 class="wp-block-heading">Support for Children and Families</h2>
If approved for disability, this woman's 13-year-old child would also be eligible for <a href="https://www.benzinga.com/personal-finance/management/25/06/45970768/single-mom-discovers-care-facility-continued-receiving-her-sons-30-month-ssdi-payment">benefits</a>. SSA provides dependent benefits to minor children of disabled workers — typically 50% of the parent's monthly benefit, subject to a family maximum.
Her adult children in college may not qualify, but the youngest child's support could help with ongoing expenses during such a difficult time.
<h2 class="wp-block-heading">The Bottom Line</h2>
For people facing a <a href="https://www.benzinga.com/news/25/03/44449440/if-i-die-a-redditor-lived-frugally-for-20-years-to-secure-their-future-now-a-cancer-diagnosis-is-making-them-question-everything">terminal diagnosis</a> like the Reddit poster, time matters. Getting a fast and accurate Social Security claim on file could ease financial stress for their family — but knowing the right steps makes all the difference.
That means calling the local SSA office, asking for a TERI claim interview, and reducing work hours if needed to stay below income thresholds. While it's an overwhelming time, help is available — and the system has processes in place to respond quickly when serious illness occurs.
Read Next: The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?
Image: Shutterstock

Personal Finance

Facing Stage 4 Cancer At 52, She's Still Working — But Needs Answers On Social Security For Her Family

Social Security's retirement and survivor benefits are projected to face a funding shortfall as early as 2033, at which point the program would only be able to pay about 77% of scheduled benefits unless Congress intervenes.&nbsp;
The combined reserves of the Old-Age and Survivors Insurance and Federal Disability Insurance trust funds are now expected to be depleted by 2034 — one year sooner than previously estimated, according to the latest <a href="https://www.ssa.gov/OACT/TR/2025/tr2025.pdf">Social Security Trustees Report</a>. While the DI Trust Fund remains stable over the 75-year projection period, the earlier depletion of combined funds signals growing urgency for policymakers to act.
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Social Security Administration Commissioner Frank Bisignano said in a <a href="https://www.ssa.gov/news/press/releases/2025/#2025-06-18">statement</a> that maintaining the trust funds&#8217; solvency is a key concern for the White House. "The financial status of the trust funds remains a top priority for the Trump administration," Bisignano said. He also called on Congress and federal agencies to work together to strengthen the program for future generations.
<h2 class="wp-block-heading">Tariffs, Deportations May Undermine the System</h2>
While the administration says Social Security is a priority, some policy experts argue that its recent actions are moving in the opposite direction. A <a href="https://www.cbpp.org/blog/social-security-trust-funds-would-be-on-stronger-footing-if-not-for-trump-economic-immigration">blog post</a> by the Center on Budget and Policy Priorities raises red flags about the Trump Administration's economic and immigration strategies.
The report's economic assumptions were finalized in December, before the Trump Administration implemented widespread tariffs and an aggressive deportation policy. According to the CBPP, these moves could harm Social Security in several ways:
<ul class="wp-block-list">
<li>Tariffs could drive up consumer prices, leading to higher cost-of-living adjustments for Social Security beneficiaries and increasing the program's costs.</li>
<li>Economic uncertainty caused by inconsistent tariff policies may slow job growth and wages — two key sources of payroll tax revenue that fund Social Security.</li>
<li>Immigration restrictions reduce the number of workers paying into the system, further weakening its long-term outlook.</li>
</ul>
Trending: Invest early in CancerVax's breakthrough tech aiming to disrupt a $231B market. <a href="https://www.benzinga.com/money/this-company-may-have-found-a-way-to-treat-cancer-by-tricking-the-bodys-immune-system-and-early-studies-show-some-promise-find-out-how-you-can-invest-in-the-future-of-cancer-treatment">Back a bold new approach to cancer treatment with high-growth potential.</a>
Experts also warn that deporting working immigrants — who pay payroll taxes even if they never receive benefits — shrinks the tax base that supports the trust funds.
<h2 class="wp-block-heading">Benefit Expansions and Tax Cuts Add to the Strain</h2>
The trustees&#8217; report does account for one recent policy change: a 2024 law that repealed the Windfall Elimination Provision and Government Pension Offset, boosting benefits for some public sector workers. According to the CBPP, this change alone is expected to cost the trust funds $200 billion over the next decade and reduce the projected depletion timeline by about six months.
In addition, tax cuts passed as part of the "One Big Beautiful Bill" could reduce revenues by lowering the number of Social Security beneficiaries who pay taxes on their benefits.
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<h2 class="wp-block-heading">A Growing Gap, and Limited Time</h2>
According to the Trustees report, Social Security's total costs will outpace total income beginning this year and continue to do so over the 75-year projection period. In 2024, total income was $1.42 trillion, while expenditures reached $1.48 trillion. Administrative costs remained low, at just 0.5% of total spending.
The projected actuarial deficit over the long term is now 3.82% of taxable payroll — up from 3.50% last year.
With less than a decade left until the combined trust funds run dry, lawmakers face growing pressure to act. But whether current policies are helping or hurting that goal is a question many experts are still debating.
Read Next: Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a>
Image: Shutterstock

Social Security Trust Fund 'Remains A Top Priority For The Trump Administration,' Assures Commissioner Bisignano – Experts Aren't So Sure

Gen Z <a href="https://www.benzinga.com/startups/25/02/43681931/googles-ai-ambitions-spark-cost-cuts-over-25000-employees-offered-buyouts-as-company-focuses-on-speed-and-efficiency">employees</a> often stream TV shows or movies during the workday, with 84 % saying it helps them focus, according to a recent Tubi–Harris Poll <a href="https://corporate.tubitv.com/press/tubi-unveils-insights-on-how-marketers-can-navigate-the-shifting-entertainment-landscape-in-the-stream-2025/">survey</a>.&nbsp;
The survey found that more than half, 53%, slowed assignments to finish an episode, and 48% admitted to lying to supervisors about their on-screen habits.
<h2 class="wp-block-heading">Focus Drives The Stream</h2>
Remote work, born of pandemic necessity, turned homes into hybrid offices and mini screening rooms. As virtual meetings increased, background TV morphed from guilty pleasure to workflow tactic.&nbsp;
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Tubi's parent, Fox Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FOX#NASDAQ">FOX</a>, FOXA)), said the platform reaches<a href="https://corporate.tubitv.com/press/tubi-surpasses-97-million-monthly-active-users-and-10-billion-streaming-hours-in-2024/"> 97 million monthly viewers</a> in 2024, underscoring how entertainment infiltrates the workday. The same Harris dataset indicated that 81% say that watching ads is a fair trade-off for access to free content on streaming.
Demand carries a <a href="https://corporate.tubitv.com/press/tubi-unveils-insights-on-how-marketers-can-navigate-the-shifting-entertainment-landscape-in-the-stream-2025/">price tag</a>. According to Tubi and The Harris Poll, U.S. viewers shell out a combined $129 monthly on streaming and pay-TV bundles. In fact, 44% of young adults even cling to an ex-partner's login even after they broke up.
Workhuman, a human capital management software provider, defines a growing trend called "fauxductivity." In an<a href="https://www.workhuman.com/blog/the-faux-productivity-problem/"> August 2024 research brief</a>, Meisha-ann Martin, Ph.D., senior director of people analytics and research at Workhuman, said employees feel "expected to immediately respond to all messages," pushing some to stage activity—mouse jigglers, fake status lights—rather than confront burnout.&nbsp;
Trending: Maximize saving for your retirement and cut down on taxes: <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Schedule your free call with a financial advisor to start your financial journey – no cost, no obligation.&nbsp;</a>
The Global Human Workplace Index, conducted by Workhuman, surveyed 3,000 full-time staff in the U.S., U.K., and Ireland and found 48% of executives admitted faking output is common on their team.
Gallup's "<a href="https://www.gallup.com/workplace/349484/state-of-the-global-workplace.aspx">State of the Global Workplace</a>," published last month, reported that fully remote employees show higher engagement yet greater stress and loneliness than on-site peers. The firm said 45% of remote staff felt "a lot of stress yesterday," implying many turn to background shows for relief during solitary stretches.
"You can't learn working from your basement," JPMorgan Chase &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) CEO&nbsp; Jamie Dimon <a href="https://www.bloomberg.com/news/articles/2025-05-15/jpmorgan-s-dimon-on-work-from-home-rant-i-emoted-a-little-bit">told </a>Bloomberg in May, defending the bank's five-day office mandate for most employees.&nbsp;&nbsp;
Streaming platforms see an opportunity in changing work habits. According to the Tubi and The Harris Poll survey, 52% of Gen Z remote workers said they don't want to return to the office because they'd miss streaming during the day—a trend that appeals to advertisers targeting daytime audiences.
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<li>Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.</li>
</ul>
Image: Shutterstock

Gen Z Is Streaming Through The Workday — 84% Say It Boosts Focus, While Half Admit They've Delayed Tasks To Finish A Show

<h3>Gainers</h3>
<table>
<thead>
<tr>
<th>Symbol</th>
<th>Name</th>
<th align="right">Price</th>
<th align="right">Change ($)</th>
<th align="right">Change (%)</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLK#NYSE">XLK</a>)</td>
<td>SPDR Select Sector Fund - Technology</td>
<td align="right">254.9400</td>
<td align="right">1.320</td>
<td align="right">0.52</td>
<td>14.9K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLI#NYSE">XLI</a>)</td>
<td>SPDR Select Sector Fund - Industrial</td>
<td align="right">148.7804</td>
<td align="right">0.620</td>
<td align="right">0.41</td>
<td>3.4K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>)</td>
<td>SPDR Select Sector Fund - Utilities</td>
<td align="right">81.5271</td>
<td align="right">0.297</td>
<td align="right">0.36</td>
<td>5.4K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLY#NYSE">XLY</a>)</td>
<td>SPDR Select Sector Fund - Consumer Discretionary</td>
<td align="right">220.7500</td>
<td align="right">0.740</td>
<td align="right">0.33</td>
<td>4.8K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>)</td>
<td>SPDR Select Sector Fund - Financial</td>
<td align="right">52.7700</td>
<td align="right">0.150</td>
<td align="right">0.28</td>
<td>358.6K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLB#NYSE">XLB</a>)</td>
<td>Materials Select Sector SPDR</td>
<td align="right">91.5900</td>
<td align="right">0.160</td>
<td align="right">0.17</td>
<td>2.9K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLV#NYSE">XLV</a>)</td>
<td>SPDR Select Sector Fund - Health Care</td>
<td align="right">135.6000</td>
<td align="right">0.240</td>
<td align="right">0.17</td>
<td>10.3K</td>
</tr>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLC#NYSE">XLC</a>)</td>
<td>The Communication Services Select Sector SPDR Fund</td>
<td align="right">107.5800</td>
<td align="right">0.130</td>
<td align="right">0.12</td>
<td>3.6K</td>
</tr>
</tbody>
</table>
<h3>Losers</h3>
<table>
<thead>
<tr>
<th>Symbol</th>
<th>Name</th>
<th align="right">Price</th>
<th align="right">Change ($)</th>
<th align="right">Change (%)</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLE#NYSE">XLE</a>)</td>
<td>SPDR Select Sector Fund - Energy Select Sector</td>
<td align="right">86.853</td>
<td align="right">-0.077</td>
<td align="right">-0.09</td>
<td>40.2K</td>
</tr>
</tbody>
</table>
<a href="https://pro.benzinga.com/?utm_source=insights">Pulled from Benzinga Pro data</a> the above sector movers alert assists traders in understanding macro-level trends and market variations. Traders will look for sector movers providing information on sectors that are over- or under-performing, deriving these results into investing decisions on exchange-traded funds (ETFs) or individual tickers in those sectors. 
To read more about sector movers, <a href="https://www.benzinga.com/movers">click here</a>.

Sector ETFs

Pre-Market Outlook

Movers

ETFs

Select Sector SPDR-Consumer Discretionary

Leading And Lagging Sectors For July 4, 2025

Financial guru&nbsp;Robert Kiyosaki&nbsp;said Wednesday that George Washington would have been a Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) advocate, citing the U.S.&#8217;s founding father&#8217;s views on &#8220;paper money.&#8221;
What Happened: Kiyosaki, author of the best-selling book &#8220;Rich Dad Poor Dad,&#8221; remembered the words of the first U.S. president.
"We may one day become a great commercial and flourishing nation. But if, in the pursuit of the means, we should unfortunately stumble again on unfunded paper money or any similar species of fraud, we shall assuredly give a fatal stab to our national credit in its infancy. &#8220;
&#8220;Paper money has had the effect in your state that it will ever have, to ruin commerce, oppress the honest, and open the door to every species of fraud and injustice."
Citing these views, Kiyosaki said, &#8220;America's 1st President George Washington would have been into Bitcoin.&#8221; 
Bitcoin supporters have consistently <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46238410/bitcoin-gets-bigger-the-more-money-central-banks-print-says-popular-crypto-analyst-its-a-beautiful-thing">backed the idea</a> that high money printing could lead to inflation, devaluing the dollar, and sending Bitcoin, which they deem as an inflation hedge, soaring.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">America's 1st President George Washington would have been into Bitcoin. This is what he said about Fiat ( Fake) Money: "We may one day become a great commercial and flourishing nation. But if, in the pursuit of the means, we should unfortunately stumble again on unfunded paper…
&mdash; Robert Kiyosaki (@theRealKiyosaki) <a href="https://twitter.com/theRealKiyosaki/status/1940540446167511353?ref_src=twsrc%5Etfw">July 2, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
The second quote appears in a <a href="https://founders.archives.gov/GEWN-04-04-02-0428">letter </a>Washington wrote to Jabez Bowen, the then-deputy governor of Rhode Island, according to the U.S. National Archives.
While the source of the first quote was not immediately clear, Washington expressed alarm about the &#8220;emission of paper currency&#8221; in a <a href="https://founders.archives.gov/documents/Washington/04-04-02-0174">letter </a>to Thomas Jefferson, the third president of the U.S., in 1786.
See Also:&nbsp;<a href="https://benzinga.com/crypto/cryptocurrency/25/07/46231186/bitcoin-ethereum-xrp-dogecoin-surge-as-big-beautiful-bill-house-vote-nears" target="_blank" rel="noreferrer noopener">Bitcoin, Ethereum, XRP, Dogecoin Surge As &#8216;Big Beautiful Bill&#8217; House Vote Nears</a>
Why It Matters: Kiyosaki&#8217;s views on Bitcoin and other forms of hard money have been consistent. He has repeatedly warned of a <a href="https://www.benzinga.com/crypto/cryptocurrency/25/06/46045741/rich-dad-poor-dad-author-robert-kiyosaki-warns-of-global-debt-collapse-urges-buying-gold-silver-bitcoin">potential global monetary collapse</a> and advised his followers to invest in gold, silver, and Bitcoin. 
He has been vocal about his skepticism towards traditional cash savings and that current market conditions are ripe for investments in <a href="https://www.benzinga.com/markets/cryptocurrency/25/03/44550875/robert-kiyosaki-thinks-saving-in-cash-is-a-bad-idea-heres-why">secure and cost-effective assets</a>.
Kiyosaki has been vocal about his skepticism towards traditional cash savings, having shifted his focus to Bitcoin, gold and silver, He has predicted that silver prices could potentially reach $200 within the next two years.
However, several of his previous predictions have proven to be extremely inaccurate. He predicted Bitcoin would reach $100,000 in June 2024. Needless to say, the forecast was well off target. He even set an unrealistic price target of <a href="https://www.benzinga.com/markets/cryptocurrency/24/06/39198509/rich-dad-poor-dad-author-robert-kiyosaki-comes-up-with-another-bold-projection-bitcoin-wil">$350,000</a> for August 2024.
Price Action:&nbsp; At the time of writing, BTC was exchanging hands at $108,816.37, up 2.45% in the last 24 hours, according to&nbsp;<a href="https://pro.benzinga.com/dashboard?_gl=1&#x2A;380nj0&#x2A;_ga&#x2A;MTEyOTAyOTcxMy4xNzEzMzY0NTYy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDk4MzIzMi42LjEuMTcxNDk4OTE0Ni4wLjAuMA.." target="_blank" rel="noreferrer noopener">data from Benzinga Pro</a>. Year-to-date, the coin has surged 17%.
Photo Courtesy: William Potter on Shutterstock.com
Read Next:&nbsp;
<ul class="wp-block-list">
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Microsoft Corp. co-founder Bill Gates warned on Thursday that U.S. foreign aid cuts could trigger a catastrophic global health crisis, citing new research projecting millions of additional deaths by 2040.
What Happened: &#8220;The facts are simple and devastating: Aid cuts have already cost lives, and the number of deaths will continue to rise,&#8221; Gates wrote on X, referencing multiple studies documenting the impact of reduced American assistance.
A preprint study published in The Lancet analyzed the cumulative effects of U.S. aid reductions across 80 countries. The research projects 8 million additional child deaths before age five by 2040, while warning of 15.2 million excess AIDS deaths and 2.2 million additional tuberculosis deaths between 2025-2040.
The Trump administration&#8217;s decision to withdraw funding from Gavi, the vaccine alliance, particularly concerns health experts. Since 2000, Gavi has delivered vaccines to 1.1 billion children globally. The organization estimates that without continued U.S. support, 75 million children will miss vaccinations over five years, resulting in 1.2 million preventable deaths.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">The facts are simple and devastating: Aid cuts have already cost lives, and the number of deaths will continue to rise. Here's the evidence.
&mdash; Bill Gates (@BillGates) <a href="https://twitter.com/BillGates/status/1940915900460552200?ref_src=twsrc%5Etfw">July 3, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
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UNAIDS analysis indicates that ending the President&#8217;s Emergency Plan for AIDS Relief (PEPFAR) programs could cause 4.2 million additional HIV-related deaths by 2029. PEPFAR, launched in 2003, has saved over 26 million lives and enabled 7.8 million HIV-free births.
Gates emphasized the cost-effectiveness of global health investments, noting that lifesaving vaccines cost as little as 30 cents. &#8220;With a relatively small amount of money, you can do a great deal of good for a great many people,&#8221; he stated.
See Also: <a href="https://www.benzinga.com/news/politics/25/07/46255065/trumps-3-3-trillion-bill-passes-will-vulnerable-americans-pay-the-price">Trump&#8217;s $3.3 Trillion Bill Passes: Will Vulnerable Americans Pay The Price?</a>
Why It Matters: U.S. global health spending represents less than 1% of the federal budget, according to KFF budget tracking data. The Gates Foundation recently pledged $1.6 billion over five years to Gavi, attempting to offset some funding shortfalls.
The research used established mathematical models across HIV, tuberculosis, family planning, and maternal health sectors. Multiple modeling approaches consistently projected severe health impacts if U.S. funding cuts continue without alternative support.
Sen. Susan Collins (R-ME) called PEPFAR &#8220;a bipartisan priority of Congress,&#8221; warning that <a href="https://www.benzinga.com/news/health-care/25/06/46159226/bill-gates-warns-us-its-not-too-late-to-change-course-as-trump-team-targets-hiv-funding-cuts">cutting disease prevention</a> funding would be &#8220;extraordinarily ill-advised and short-sighted.&#8221;
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Disclaimer: This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: Alexandros Michailidis / Shutterstock.com

Health Care

Bill Gates Warns US Aid Cuts Could Kill Millions Of Children, End HIV Programs, Leave 75 Million Unvaccinated: 'Devastating' Lancet Study, Gavi, UNAIDS Sound Alarm

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