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CPI CARD GROUP INC

CPI Card

CPI Card Group Inc is a payment technology company engaged in providing financial payment card solutions and services. It offers credit, debit, and prepaid cards. The business segments of the group are Debit and Credit, which produces Financial Payment Cards and provides integrated card services to card-issuing banks in the United States, and Prepaid Debit, which provides integrated card services to Prepaid Debit Card program managers in the United States and Others. It derives key revenue from the Debit and Credit segment.

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Mercati in movimento e analisi tecnica: i segnali che potrebbero aprire nuove prospettive per il settore azionario.

3 titoli tech ipervenduti: un&#39;opportunità per gli investitori?

CPI Card Group Inc

Everyone makes <a href="https://www.reddit.com/r/HENRYfinance/comments/1m8bt3d/what_is_your_biggest_money_mistake/">money mistakes</a>, and if you learn from enough people, you can avoid common pitfalls on the path to wealth. Financial blunders aren't limited to people who don't have enough money to cover their expenses. Many high earners have also made mistakes with their money, and many of them turned to Reddit to share things they did wrong.
"Two high growth years of compound interest lost because I wasn't paying attention to my accounts," one high earner said.
These are some of the other expensive money mistakes that came up.
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<h2 class="wp-block-heading">Thinking You Can Beat The Market</h2>
Many Redditors regret trying to beat the market. One of the top comments came from someone who said they used to buy individual stocks but now stick with ETFs. While it's possible to beat the stock market, ETFs make it easier to achieve market returns. A fund manager handles everything for you, and you only have to pay a small expense ratio.
Investors can choose from many ETFs that track popular benchmarks like the S&amp;P 500 and Nasdaq Composite. You can save time and generate higher returns with an ETF.&nbsp;
Many high earners mentioned this money mistake, but individual stocks weren't the only culprit. Options trading, special purpose acquisition companies, and angel investing are some of the ways people have tried to beat the market. Several high earners regretted dabbling in those areas.
Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can <a href="https://www.benzinga.com/money/mode-mobile-2">invest today for just $0.30/share.</a>
<h2 class="wp-block-heading">Divorces Are Costly</h2>
Divorces came up a lot in this Reddit thread. Some people were grateful that their spouse was able to communicate how they wanted to divvy up assets without getting lawyers involved. However, others mentioned that both spouses were paying lawyers $500 per hour because they couldn't have a conversation about it.
Marriage is a wonderful thing if you find the right partner. These divorce stories shouldn't deter people from seeking marriage, but they should make them extra careful about who they marry. Knowing the financial devastation that can take place if you choose the wrong partner is healthy.&nbsp;
It may also be beneficial to sign a prenuptial agreement before getting married. That way, there is a clear framework for what happens in the worst-case scenario. Very few people marry with the intent of getting divorced, but people can change a lot in a few years. That's why a prenuptial agreement can be valuable.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Not Taking Money Seriously Right Away</h2>
One of the most common money mistakes that came up was people who regretted not taking money seriously earlier. A few high earners lamented about not taking money seriously until their late 20s. Other people commented by saying they didn't take money seriously until their 30s and 40s.
Compound growth is one of the best resources for people who want to build long-term wealth and retire on big nest eggs. Your portfolio can compound over time and eventually outpace your salary. For instance, a $5 million portfolio with a 4% yield brings in $200,000 per year. That's more than what most people make.
A $5 million portfolio doesn't come overnight. It takes many years of diligently saving and investing money. Many high earners encouraged people to start investing now instead of putting it off.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
Image: Shutterstock

Personal Finance

Even High Earners Mess Up: Their Most Expensive Money Mistakes Revealed

WIIM

HST stock has given up its prior gain. Host Hotels & Resorts shares were trading higher after the company reported better-than-expected Q2 financial results and raised its FY25 guidance above estimates.

Trading Halt: Halted at 7:50:00 p.m. ET - Trading Halt: Halt News Pending

FGIWW

BDRX

Wall Street analysts rerated Spotify Technology (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPOT#NYSE">SPOT</a>) after the company&#8217;s quarterly results. The stock gained on Wednesday.
Spotify posted a loss of 48 cents per share <a target="_blank" href="https://www.benzinga.com/markets/earnings/25/07/46684547/spotify-user-base-grows-but-profitability-concerns-linger" rel="noreferrer noopener">for the second quarter</a>, a considerable deviation from the analyst&nbsp;consensus estimate of a $2.11 profit.
Missed revenue projections compounded this earnings shortfall. Quarterly sales&nbsp;reached $4.75 billion&nbsp;(4.19 billion euros), marking a 10% year-over-year increase but falling short of the analyst projection of $4.84 billion.
Also Read: <a target="_blank" href="https://www.benzinga.com/analyst-stock-ratings/reiteration/25/07/46699654/why-spotifys-latest-results-look-worse-than-they-are" rel="noreferrer noopener">Why Spotify&#8217;s Latest Results Look Worse Than They Are</a>
Despite these operational successes, Spotify&#8217;s third-quarter 2025 revenue outlook fell short of market expectations. The company forecasts revenue of $4.95 billion (4.2 billion euros), below the&nbsp;analyst consensus of $5.15 billion.
<h2 class="wp-block-heading">Analyst Reaction</h2>
<ul class="wp-block-list">
<li>Rosenblatt analyst Barton Crockett maintained Spotify <a href="https://www.benzinga.com/quote/SPOT/analyst-ratings" target="_blank" rel="noreferrer noopener">with a Neutral</a> rating and lowered the price target from $703 to $679.</li>
<li>Keybanc analyst Justin Patterson maintained Spotify with an Overweight rating and lowered the price target from $860 to $830.</li>
<li>Benchmark analyst Mark Zgutowicz maintained Spotify with a Buy and lowered the price target from $840 to $800.</li>
<li>Bank of America Securities analyst Jessica Reif Ehrlich maintained Spotify with a Buy and a price target of $900.</li>
</ul>
Rosenblatt: Crockett saw Spotify&#8217;s second-quarter 2025 results as mixed. On the positive side, the platform added 8 million Premium Subscribers (to 276 million) and 18 million Monthly Active Users (to 696 million), both well ahead of expectations.
However, revenue of 4.19 billion euros fell short of the 4.3 billion euros guidance, mainly due to foreign exchange impacts and higher-than-expected social charges tied to stock appreciation.
Operating income reached 406 million euros, below the 539 million euros forecast.
ARPU growth was softer than expected and is projected to remain flat in the third quarter as Spotify&#8217;s subscriber mix shifts toward lower-priced markets.
The analyst trimmed estimates slightly and lowered the price target based on a 35 times 2026 EV/EBITDA multiple.
Spotify guided for 5 million new subscribers and 4.2 billion euros in third-quarter revenue, again below consensus. Ad revenue grew 4.6% Y/Y in constant currency, missing estimates, but management noted ad growth could have reached 10% if not for cuts to unprofitable podcast deals.
Despite current softness, Crockett remained optimistic about long-term ad potential and expected pricing power, new content formats (like video podcasts and audiobooks), and share buybacks ($1.9 billion authorized) to support growth ahead.
Keybanc: Patterson stated Spotify as an increasingly attractive stock heading into 2026, supported by strong Premium Subscriber (+12% Y/Y) and MAU growth (+11% Y/Y), healthy pricing power, and the potential for ad revenue normalization.
While second-quarter revenue (4.19 billion euros) fell short due to FX headwinds and higher-than-expected social charges, core user metrics exceeded estimates, signaling solid product engagement, he noted.
The analyst trimmed 2025–2027 revenue and profit estimates due to weaker ad trends and FX, lowering the price target.
Still, Spotify&#8217;s large addressable market, expanding content portfolio (including audiobooks and video), and growing free cash flow—projected to double by 2027—support a favorable long-term outlook, Patterson noted.
While ad-supported execution remains a concern in 2025, the analyst expects reacceleration by 2026 as product upgrades gain traction.
Benchmark: Zgutowicz attributed Spotify&#8217;s recent stock dip to weak implied ARPU guidance and soft ad performance in the second-quarter.
While third-quarter premium ARPU is expected to be flat Y/Y due to lapping prior price hikes and geographic/product mix shifts, the analyst noted that modest sequential ARPU gains are anticipated in fourth-quarter.
He said that gross margin guidance (31.1%) came in slightly below consensus but aligned with expectations due to a known regulatory charge.
Ad-supported revenue declined 0.7% Y/Y, but adjusting for FX and the shift away from exclusive podcasts, growth was closer to 10%, Zgutowicz noted. Management acknowledged the need to accelerate ad monetization efforts, particularly through its Spotify Ad Exchange (SAX), which is expected to drive gains starting in 2026, he said.
The analyst lowered the 2025 revenue and earnings estimates, primarily due to FX and cautious ad outlooks, and trimmed the price target. Still, he remained bullish on long-term upside driven by pricing levers, podcast margin expansion, and a future Supremium tier.
Bank of America Securities: Spotify delivered a solid second-quarter, with monthly active users and subscribers exceeding forecasts and gross margin aligning with expectations, though revenue slightly missed due to FX headwinds, Ehrlich stated.
The analyst noted the stock&#8217;s pullback was driven by soft third-quarter gross margin guidance (31.1%), flat constant-currency ARPU growth, and ongoing ad monetization challenges.
Despite this, she remained bullish on Spotify&#8217;s long-term outlook, citing strong engagement, significant pricing power, and multiple monetization levers including new pricing tiers, better ad infrastructure, and growing audiobook and video businesses.
While 2025 is expected to be a transitional year for advertising, Ehrlich anticipated a reacceleration in 2026. Forecasts were modestly lowered for revenue and operating income, but free cash flow projections were raised to 2.88 billion euros. Ehrlich viewed the dip as a buying opportunity.
Price Action: SPOT stock traded higher by 5.06% to $651.40 on Wednesday.
Read Next:
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<li><a href="https://www.benzinga.com/markets/tech/25/07/46687494/on-semiconductor-jumps-after-nvidia-deal-is-this-the-next-big-ai-power-play" target="_blank" rel="noreferrer noopener">ON Semiconductor Jumps After Nvidia Deal—Is This The Next Big AI Power Play?</a></li>
</ul>
Photo Courtesy: Shutterstock

Analyst Color

Price Target

Reiteration

Analyst Ratings

Movers

SPOT

Spotify's Subscriber Boom Can't Hide Ad Woes: Analyst

RTX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTX#NYSE">RTX</a>) has outperformed the market over the past 5 years by 8.5% on an annualized basis producing an average annual return of 22.46%. Currently, RTX has a market capitalization of $210.49 billion. 
Buying $100 In RTX: If an investor had bought $100 of RTX stock 5 years ago, it would be worth $275.43 today based on a price of $157.25 for RTX at the time of writing.
<h3>RTX's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1753917312_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.

$100 Invested In RTX 5 Years Ago Would Be Worth This Much Today

Cryptocurrency trading company Coinbase Global (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>) reports second-quarter financial results<a href="https://www.benzinga.com/earnings"> after market close Thursday.</a>
COIN shares are trending up modestly. <a href="https://www.benzinga.com/quote/COIN" target="_blank" rel="noreferrer noopener">See real-time price here.</a>
Here are the earnings estimates and key items to watch.
Earnings Estimates: Analysts expect Coinbase to report second-quarter revenue of $1.69 billion, up from $1.45 billion in last year's second quarter according to data<a href="https://www.benzinga.com/pro/register?utm_adType=bzprocontent&amp;utm_campaign=14daytrial&amp;utm_ad=0730"> from Benzinga Pro.</a>
The company missed analyst estimates in the first quarter but has beaten estimates in nine of the last 10 quarters overall.
Analysts expect Coinbase to report second quarter earnings per share of $1.35, up from $1.07 in last year's second quarter. The company missed analyst estimates in the first quarter, but has beaten analyst estimates in eight of the past 10 quarters.
Read Also: <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46721901/jpmorgan-partners-with-coinbase-to-expand-crypto-access-for-80m-customers">JPMorgan Partners With Coinbase To Expand Crypto Access For 80M Customers</a>
Key Items to Watch: Analysts have been raising their<a href="https://www.benzinga.com/quote/COIN/analyst-ratings"> price targets on Coinbase </a>stock with optimism for the cryptocurrency sector as Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) hit all-time highs and Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>) gained momentum in recent weeks.
Bills in Congress as part of "Crypto Week" are likely to be a key topic as the cryptocurrency sector moves forward and Coinbase has been pushing for regulation in the sector.
Another key area to watch is stablecoin USDC (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">USDC</a>), which is part of a partnership between Coinbase and Circle (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CRCL#NYSE">CRCL</a>).
JPMorgan analyst Kenneth B. Worthington<a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46690257/forget-bitcoin-coinbases-secret-weapon-fuels-growth-for-free"> recently said</a> that the USDC unit of Coinbase could be underestimated by investors.
&#8220;We see USDC economics as particularly attractive,&#8221; Worthington said, pointing to high margins and future growth.
Stablecoins have become a key talking point of bills in Congress for cryptocurrency.
Partnerships signed by Coinbase with major banks like JPMorgan and PNC could also be a talking point in the company's earnings results and guidance. The company continues to sign partnerships with key names in the financial world as companies explore more use cases for cryptocurrency.
Cryptocurrencies outside of Bitcoin and Ethereum could also be worth watching in Coinbase's report. In <a href="https://www.benzinga.com/news/earnings/25/05/45302422/coinbase-q1-earnings-highlights-revenue-eps-miss-2025">the first quarter, </a>the company highlighted Solana (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/sol/usd">SOL</a>) and XRP Token (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/xrp/usd">XRP</a>) as seeing increased trading volume.
Subscription and services revenue will be a key area to watch as this high-margin revenue has helped offset quarters with lower crypto trading revenue. The company is guiding for this revenue to be in a range of $600 million to $680 million, versus a total of $698.1 million in the first quarter.
After growing quarter-over-quarter, Coinbase's guidance forecasts a drop in the second quarter.
Coinbase's report comes a day after Robinhood Markets, which highlighted crypto trading growth in <a href="https://www.benzinga.com/markets/earnings/25/07/46739502/robinhood-q2-double-beat-crypto-revenue-nearly-doubles">its recent quarter</a> results. Robinhood saw its cryptocurrency trading revenue up 98% year-over-year and its cryptocurrency trading volume up 32% year-over-year in its fourth fiscal quarter.
While Robinhood and Coinbase don't offer all of the same products, both have high usage among retail traders and likely see similar growth in the crypto sector during bull markets like parts of 2025 have been.
COIN Price Action: Coinbase stock closed Wednesday up 1.63% to $377.48 versus a 52-week trading range of $142.58 to $444.65. Coinbase stock is up 50% year-to-date in 2025.
Read Next: 
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/insights/options/25/07/46725185/what-the-options-market-tells-us-about-coinbase-global">What the Options Market Tells Us About Coinbase Global</a></li>
</ul>
Photo: Shutterstock

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

Earnings

Previews

$BTC

$ETH

$SOL

$USDC

$XRP

COIN

CRCL

Coinbase Q2 Preview: Can White House Momentum, Bitcoin All-Time Highs Help?

NorthWestern (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NWE#NASDAQ">NWE</a>) reported quarterly earnings of $0.40 per share which beat the analyst consensus estimate of $0.38 by 6.1 percent. This is a 24.53 percent decrease over earnings of $0.53 per share from the same period last year. The company reported quarterly sales of $342.700 million which beat the analyst consensus estimate of $334.930 million by 2.32 percent. This is a 7.13 percent increase over sales of $319.900 million the same period last year.

Earnings Beats

NorthWestern Q2 Adj. EPS $0.40 Beats $0.38 Estimate, Sales $342.700M Beat $334.930M Estimate

Din Bisevac was once a YouTube <a href="https://www.benzinga.com/news/topics/25/06/46052898/all-grown-up-the-80s-child-star-thats-now-co-owner-of-the-nbas-atlanta-hawks">child star</a>. At 26, he just pulled off a $58 million comeback, rescuing a failing real estate startup and convincing Google Ventures to lead its Series A round.
Buena, the Berlin-based property technology startup Bisevac now leads, has attracted backing from top investors including <a href="https://www.benzinga.com/news/topics/25/06/45872579/billionaire-marc-lores-7b-food-startup-wonder-backed-by-google-ventures-eyes-2028-ipo-with-5b-revenue-goal-and-ai-powered-superapp-plans">Google Ventures</a>, 20VC, Stride, and Capnamic. The fresh $58 million Series A raise Buena <a href="https://www.buena.com/en/blog/press-release">announced</a> on July 23 marks a turning point for the company after years of struggling under its original business model. The raise marks the startup's first funding round since Bisevac took over in 2021 and pivoted the business from a failed rental arbitrage model,<a href="https://www.forbes.com/sites/zoyahasan/2025/07/25/how-this-26-year-old-rescued-a-failing-real-estate-startup-and-landed-58-million-from-google-ventures/"> Forbes</a> reports.
Buena had previously burned through $14 million while attempting to lease apartments below market rates and rent them out for a profit, a strategy that ultimately stalled growth. According to Forbes, Bisevac restructured the company, negotiated new terms with investors, and repositioned Buena as an AI-powered property management platform.
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<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
</ul>
<h2 class="wp-block-heading">AI Property Management Platform Expands With Rollup Strategy and 20 Acquisitions</h2>
Buena manages more than 60,000 apartments across Germany, and Forbes says it has achieved roughly $25 million in annual recurring revenue, a sign of rapid post-pivot growth. Buena says it automates property listings, tenant vetting, viewings, and maintenance coordination through its software, which also integrates new AI features to handle repetitive accounting and reporting tasks.
Alongside software development, Buena has pursued an AI-led rollup strategy, acquiring over 20 property management firms since 2023 in a fragmented German market valued at approximately €16 billion, or $17 billion. According to Buena, the property management sector in Germany is notorious for inefficiency, with 96.3% of managers still using outdated systems and struggling with low customer satisfaction scores.
&#8220;Property management just has a terrible, terrible brand in Germany. No matter which owner or tenant you ask, everyone will tell you they hate their property manager,&#8221; Bisevac told Forbes. &#8220;We wouldn't position ourselves as this mainly technology company in front of our customers because it&#8217;s a bit too abstract for them, and frankly just doesn&#8217;t matter too much.&#8221;
Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can <a href="https://www.benzinga.com/money/mode-mobile-2">invest today for just $0.30/share.</a>
<h2 class="wp-block-heading">Google Ventures Sees Global Potential in Buena's Platform</h2>
Google Ventures Partner Vidu Shanmugarajah said in Buena&#8217;s statement that the startup&#8217;s mix of an AI-driven acquisition strategy and product-focused execution creates a strong opportunity to modernize property management globally.
&#8220;This is just the start, and we look forward to supporting Buena in changing how people own real estate across Germany and beyond,&#8221; Shanmugarajah added.
Buena says it intends to expand across Germany and then into the U.S. housing market, which is valued at around $50 trillion, offering significant growth potential.
According to Forbes, Bisevac's long-term vision is to build an end-to-end platform for real estate investment, allowing individuals to find, finance, purchase, and manage properties within one ecosystem. The goal is to make property ownership more accessible to younger generations, who often invest in stocks and crypto but lack clear pathways to real estate investment.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Din Bisevac's Vision for Real Estate Investment and U.S. Market Expansion</h2>
Bisevac's entrepreneurial journey began long before Buena's turnaround. As one of Germany's first YouTube child stars, he launched a clothing brand and Shopify (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SHOP#NASDAQ">SHOP</a>) store before working as a product designer at age 13, Forbes says. After joining Buena as a designer, he rose to CEO, leading the restructuring that attracted high-profile investors.
The Series A funding underscores the growing investor interest in AI-enabled service industry rollups, a strategy gaining traction among private equity and venture funds worldwide. With fresh capital, an AI‑powered strategy, and a vision for property ownership, Buena is preparing to expand far beyond Germany.
Read Next: How do billionaires pay less in income tax than you?<a href="https://www.benzinga.com/money/tax-deferring-adv"> Tax deferring is their number one strategy</a>.
 Image: Shutterstock

SHOP

How 26‑Year‑Old Din Bisevac Turned A Burned‑Out Startup Into A $58M Google Ventures Success Story

Oracle (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ORCL#NYSE">ORCL</a>) has outperformed the market over the past 5 years by 20.98% on an annualized basis producing an average annual return of 34.95%. Currently, Oracle has a market capitalization of $721.03 billion. 
Buying $100 In ORCL: If an investor had bought $100 of ORCL stock 5 years ago, it would be worth $447.66 today based on a price of $256.70 for ORCL at the time of writing.
<h3>Oracle's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1753916426_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.

ORCL

Here's How Much $100 Invested In Oracle 5 Years Ago Would Be Worth Today

HCA Healthcare (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HCA#NYSE">HCA</a>) has outperformed the market over the past 5 years by 8.6% on an annualized basis producing an average annual return of 22.56%. Currently, HCA Healthcare has a market capitalization of $88.18 billion. 
Buying $1000 In HCA: If an investor had bought $1000 of HCA stock 5 years ago, it would be worth $2,820.85 today based on a price of $355.06 for HCA at the time of writing.
<h3>HCA Healthcare's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1753915515_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.

Here's How Much $1000 Invested In HCA Healthcare 5 Years Ago Would Be Worth Today

Western Digital Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>) shares are rising in extended trading Wednesday after the company reported better-than-expected financial results and <a href="https://www.benzinga.com/pressreleases/25/07/b46737364/western-digital-reports-fiscal-fourth-quarter-and-fiscal-year-2025-financial-results">issued strong guidance</a>.
<ul class="wp-block-list">
<li>Q4 Revenue: $2.612 billion, versus <a href="http://benzinga.com/quote/WDC/earnings">estimates</a> of $2.45 billion</li>
</ul>
<ul class="wp-block-list">
<li>Q4 Adjusted EPS: $1.66, versus estimates of $1.47</li>
</ul>
WDC stock is on the move. <a href="https://www.benzinga.com/quote/WDC" target="_blank" rel="noreferrer noopener">Check the price action here.</a>
Total revenue climbed 30% on a year-over-year basis, driven by continued strong momentum in Cloud. Western Digital generated $746 million in cash flow from operations and $675 million of free cash flow.
The company ended the quarter with approximately $2.11 billion in cash and cash equivalents. Western Digital&#8217;s board approved a cash dividend of 10 cents per share to be paid on Sept. 18 to shareholders of record as of Sept. 4.
&#8220;We are confident that HDDs will continue to remain the foundation of the world&#8217;s data infrastructure, delivering unmatched value for mass storage in an AI-driven future,&#8221; said Irving Tan, CEO of Western Digital. 
Guidance: Western Digital expects first-quarter revenue to be between $2.6 billion and $2.8 billion versus estimates of $2.51 billion, per <a href="http://pro.benzinga.com">Benzinga Pro</a>. The company anticipates first-quarter adjusted earnings of $1.54 to $1.69 per share versus estimates of $1.35 per share.
WDC Price Action: <a href="http://benzinga.com/quote/WDC">Western Digital shares</a> were up 7.04% in after-hours, trading at $76.46 at the time of publication Wednesday, according to <a href="http://pro.benzinga.com">Benzinga Pro</a>.
Read Next:
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<li><a href="https://www.benzinga.com/markets/earnings/25/07/46738585/microsoft-q4-earnings-highlights-double-beat-ceo-says-cloud-and-ai-is-the-driving-force">Microsoft Q4 Earnings Highlights: Double Beat, CEO Says &#8216;Cloud And AI Is The Driving Force&#8217;</a></li>
</ul>
Photo: Shutterstock.

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When Tracy from Billings, Montana called into "The Ramsey Show," he was looking for advice. What he got was a full-blown Social Security takedown.
"I'm 61 years old, and I keep getting these <a href="https://youtu.be/b78vxgEg-_A?si=u9suoWxIJ6j9LEs2">letters from Social Security</a> wanting to know what I want to do," he said. "I'm still working, I'm on Baby Step 7, I am married — and I don't know when is the best time to take advantage of that fantastic program."
Ramsey, catching the sarcasm, smirked: "I sense sarcasm, Tracy."
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Tracy clarified that he didn't actually need the money. His plan? Take Social Security early and invest 100% of the checks. But he hesitated after realizing he'd receive a reduced amount before full retirement age.
"You don't [get the full amount]," Ramsey confirmed. "The later you start—whether it's 62 all the way up to 70—every year you would get more."
But then Ramsey delivered the part he'd been waiting to say:
"If you run the numbers out… almost every time you can run the numbers on it by taking every dollar from 62 to 66 that you get and put it in a good investment. The investment returns will give you greater than the difference for the rest of your life — almost every time. So it usually makes sense to take it early if you're going to do what you're going to do, which is invest."
Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can <a href="https://www.benzinga.com/money/mode-mobile-2">invest today for just $0.30/share.</a>
Ramsey reinforced his mathematical case, now set against a backdrop where the full retirement age has <a href="https://www.benzinga.com/25/05/45534539/social-security-full-retirement-age-shift-means-filing-at-62-could-chop-your-check-by-30-what-every-worker-born-in-1960-or-later-must-know">shifted to 67 for anyone born in 1960</a> or later.
"You can get a better rate of return than they will pay you by waiting," he said.
He even brought up the estate factor, adding, "When you die, that money that's in that mutual fund is part of your estate. When you die with Social Security? Nothing. That's what you get."
Then he let loose.
"You will discover it's about a negative 4% rate of return in your life," Ramsey said. "Only the government can figure out a way to talk everyone into having something removed from their check that they make a negative 4% on — and everybody fights to keep it in place."
The rant escalated fast.
"I've been paying into it for almost 40 years. You could keep all that — I'll still come out ahead in the next 20 years not putting money in the stupid thing," he said. "Just putting that amount of money — the amount of money you robbed from me in my check — into a mutual fund."
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
And finally: "Your program's so freakin' awesome, you can just keep it."
So should you take Social Security early or wait for a bigger check at 70? It's a hotly debated question. Some experts, <a href="https://www.benzinga.com/personal-finance/25/03/44552100/i-have-no-doubt-theyre-going-to-raise-the-full-retirement-age-possibly-to-70-suze-orman-weighs-in-on-social-security-fears">like Suze Orman</a>, encourage healthy adults to delay as long as possible. Ramsey takes the numbers-first approach: if you're still working and willing to invest every dollar, it "usually makes sense to take it early."
There's no one-size-fits-all answer. It depends on your health, financial habits, <a href="https://www.benzinga.com/money/smartasset">retirement timeline</a> — and who you ask. But in Ramsey's math, the earlier check plus a smart investment beats the bigger check later — almost every time.
Read Next: 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>.
Image: Shutterstock

Dave Ramsey Says 'Almost Every Time It Makes Sense To Take It Early' —Tells 61-Year-Old To Claim Social Security At 62 And Invest 'Every Dollar'

<a href="https://trumpstruth.org/statuses/32285">https://trumpstruth.org/statuses/32285</a>

Macro Economic Events

Politics

Economics

General

President Trump Posts On Truth Social: "I am pleased to announce that the United States of America has agreed to a Full and Complete Trade Deal with the Republic of Korea. The Deal is that South Korea will give to the United States $350 Billion Dollars for Investments owned and controlled by the United States, and selected by myself, as President. Additionally, South Korea will purchase $100 Billion Dollars of LNG, or other Energy products and, further.."

Eaton Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ETN#NYSE">ETN</a>) has outperformed the market over the past 20 years by 4.59% on an annualized basis producing an average annual return of 13.15%. Currently, Eaton Corp has a market capitalization of $154.15 billion. 
Buying $100 In ETN: If an investor had bought $100 of ETN stock 20 years ago, it would be worth $1,192.39 today based on a price of $390.06 for ETN at the time of writing.
<h3>Eaton Corp's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1753914614_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.

$100 Invested In This Stock 20 Years Ago Would Be Worth This Much Today

Independence Realty Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IRT#NYSE">IRT</a>) reported quarterly earnings of $0.28 per share which met the analyst consensus estimate. This is unchanged from the same period last year. The company reported quarterly sales of $161.891 million which missed the analyst consensus estimate of $165.213 million by 2.01 percent. This is a 2.40 percent increase over sales of $158.104 million the same period last year.

Earnings Misses

CORRECTION: Independence Realty Trust Q2 FFO $0.28, Inline, Sales $161.891M Miss $165.213M Estimate

Align Technology Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALGN#NASDAQ">ALGN</a>) shares are tumbling in Wednesday&#8217;s after-hours session after the company reported worse-than-expected results for the second quarter and issued soft guidance. Here&#8217;s a rundown <a href="https://www.benzinga.com/pressreleases/25/07/b46737999/align-technology-announces-second-quarter-2025-financial-results">of the report</a>.
<ul class="wp-block-list">
<li>Q2 Revenue: 1.01 billion, versus <a href="http://benzinga.com/quote/ALGN/earnings">estimates</a> of $1.06 billion</li>
</ul>
<ul class="wp-block-list">
<li>Q2 Adjusted EPS: $2.49, versus estimates of $2.57</li>
</ul>
<a href="https://www.benzinga.com/quote/ALGN" target="_blank" rel="noreferrer noopener">Track ALGN stock live prices here.</a>
Total revenue was down 1.6% on a year-over-year basis. Clear Aligner revenue of $804.6 million was down 3.3% year-over-year, while Imaging Systems and CAD/CAM Services revenue increased 5.6% year-over-year to $207.8 million.
Align ended the second quarter with $901.2 million in total cash and cash equivalents.
&#8220;During Q2, we continued to see strong consumer interest in Invisalign treatment, as reflected by iTero scans and Invisalign doctor case submissions. However, we experienced uneven patient case conversion, which led to a lower than typical seasonal uptick in case starts, which historically occurs late in the quarter,&#8221; said Joe Hogan, president and CEO of Align.
Align said it repurchased 585,100 shares of its common stock during the quarter at an average price of $164.14 per share.
Outlook: Align expects third-quarter revenue to be between $965 million and $985 million versus estimates of approximately $1.04 billion, according to <a href="http://pro.benzinga.com">Benzinga Pro</a>.
&#8220;We are evaluating actions to reduce costs and thoughtfully manage our investments while we continue to drive engagement and effectiveness of commercial and marketing programs that leverage our innovation and new product cycle across our clear aligners and scanners,&#8221; Hogan added.
ALGN Price Action: <a href="http://benzinga.com/quote/ALGN">Align shares</a> were down 36.78% in after-hours, trading at $128.50 at the time of publication on Wednesday, according to <a href="http://pro.benzinga.com">Benzinga Pro</a>.
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Photo: <a href="https://www.shutterstock.com/g/REDPIXELPL">REDPIXEL.PL</a>/Shutterstock.com

Health Care

ALGN

Align Technology Stock Tumbles Wednesday: What's Going On?

VAL stock has given up its prior gain. Valaris shares were trading higher after the company reported better-than-expected Q2 financial results.

TransMedics Group Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TMDX#NASDAQ">TMDX</a>) shares are rising in Wednesday&#8217;s after-hours session after the company reported financial results <a href="https://www.benzinga.com/pressreleases/25/07/n46737408/transmedics-reports-second-quarter-2025-financial-results">for the second quarter</a>.
TMDX stock is surging after hours on strong momentum. <a href="https://www.benzinga.com/quote/TMDX" target="_blank" rel="noreferrer noopener">Track it now here.</a>
What Happened: TransMedics reported second-quarter revenue of $157.37 million, up 38% year-over-year. The number came in above analyst expectations of $146.74 million, according to <a href="http://pro.benzinga.com">Benzinga Pro</a>.
The company reported second-quarter earnings of 92 cents per share, beating analyst estimates of 44 cents per share.
TransMedics ended the quarter with $400.6 million in cash.
&#8220;Our consistent performance across all areas of the business reflects the successful execution of our strategy, the differentiated value our OCS&nbsp;and NOP platforms, and our unique leadership position in the transplant market,&#8221; said Waleed Hassanein, president and&nbsp;CEO of TransMedics.
&#8220;Looking ahead, we are confident in our strategy and remain laser focused on achieving and surpassing the target of 10,000 US NOP transplants in 2028, while ramping up investments to drive the next several waves of growth aimed at delivering significant top-and bottom-line growth for our business,&#8221; Hassanein added.
Outlook: TransMedics raised its full-year 2025 revenue guidance from a range of $565 million to $585 million to a new range of $585 million to $605 million versus estimates of $580.37 million. 
TMDX Price Action: <a href="http://benzinga.com/quote/TMDX">TransMedics shares</a> were up 8.80% in after-hours, trading at $117.17 at the time of publication on Wednesday, according to <a href="http://pro.benzinga.com">Benzinga Pro</a>.
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</ul>
Photo: <a href="https://www.shutterstock.com/g/Tigarto">Tigarto</a>/Shutterstock.com

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