Verse of the Day – Romans 5:3-4

February 10, 2026Verse of the DayWe can rejoice, too, when we run into problems and trials, for we know that they help us develop endurance. And endurance develops strength of character, and character strengthens our confident hope of salvation. Romans 5:3-4 NLTREAD ON THE BIBLE APPRELATED PLANSWhen God Says No3 DaysWhy I Didn’t Rebel3 DaysPersonal Development 3 DaysDespair To Hope3 DaysSupport DonateYou are receiving this email because you are currently subscribed to YouVersion notifications.© Life.Church / YouVersion 4600 East Second Street, Edmond, OK 73034Privacy Policy | Terms of Use | Unsubscribe

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Quiz of the day! 60 PTSGENERALIn the first aid initialism “ABC,” what does the “A” signify? Airway Ambulance Aid AnalgesicPlay Classic mode

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Today’s Blessing

Today’s Blessing
February 10, 2026

True friendship means showing up, not just when it’s convenient, but especially when it’s hard. Be that friend, and seek that friend.SHOW UP FOR EACH OTHER 

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Today’s Blessing is here to guide you through life’s twists and turns, helping you become the best version of yourself and fulfill your destiny.✨Angel NumbersAngel numbers are divine affirmations from the universe, giving us signs we’re on the right track and that we’re not alone.CONTINUE →🙏Faith MessagesHear stories from around the world that will help motivate and bring positivity to your life’s journey.CONTINUE →💫InspirationEmpowering and inspirational stories. See some of these tips from our friends to set you on the pathway to success.CONTINUE →

You’re always one blessing away from a brighter day… and a bigger life. May these stories, affirmations, prayers, and insights lift your spirits and inspire you to lift others.

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If You Didn’t See This Morning’s Data, Read This…

While Wall Street holds its breath for tomorrow’s jobs report, something more important just dropped at 8:30 AM this morning.

And nobody’s paying attention.

December retail sales came in FLAT. Zero growth. 0.0%.

Economists expected +0.4%. They got nothing.

Excluding autos? Also flat. 0.0%. Expected +0.3%.

Translation: Americans stopped spending during the biggest shopping month of the year.

Let That Sink In

December is Christmas. Black Friday. Cyber Monday. Holiday bonuses. Gift cards. The month retailers live for all year.

And consumers spent… the exact same amount they spent in November.

The Commerce Department blamed “rough weather” and “persistently higher inflation.” The same excuse they use every time the data is terrible.

But here’s what they’re NOT telling you:

This isn’t about weather. This is about money. Or rather, the lack of it.

Why This Matters More Than Tomorrow’s Jobs Report

Everyone’s obsessing over Wednesday’s employment data. Will we add 55,000 jobs? 60,000? Will unemployment hold at 4.4%?

Those are backward-looking numbers. They tell you what happened in January.

Retail sales tell you what’s happening RIGHT NOW.

And right now, the American consumer is tapped out.

Retail spending represents roughly 70% of U.S. GDP. If consumers aren’t spending, the economy isn’t growing. It’s that simple.

You can have low unemployment and strong job creation. But if nobody has money left to spend, the economy grinds to a halt anyway.

The Consumer Is Broken

This morning also brought earnings from CVS Health. They beat on earnings. Beat on revenue. Stock fell 3%.

Why? Because they cut their cash flow guidance from $10 billion to $9 billion for 2026. A $1 billion reduction.

CVS doesn’t sell luxury goods. They sell prescriptions. Medicine. Basic health products. Things people NEED, not want.

If consumers are cutting back at CVS, they’re really broke.

Coca-Cola reported this morning too. Their exact words: “North America and Latin America beginning to show signs of improvement.”

Translation: Sales have been BAD. They’re just now stabilizing from terrible.

When Americans are cutting back on Coke and CVS, you know discretionary spending is dead.

The Math That Doesn’t Work

Here’s the reality Wall Street doesn’t want to face:

• Credit card debt: Record highs
• Savings rate: Near record lows
• Real wages: Haven’t kept up with inflation
• Retail sales: Flat in the peak shopping month

This isn’t “softness.” This is consumers hitting a wall.

For three years, Americans kept spending by:

1. Draining savings built up during COVID
2. Maxing out credit cards
3. Tapping home equity

All three of those wells are now dry.

December proved it. When Americans HAD to spend — Christmas gifts, holiday parties, year-end celebrations — they couldn’t.

What Happens Next

If consumers stopped spending in December when they had EVERY reason to spend, what happens in January and February when there’s NO reason to spend?

Here’s the timeline:

December: Retail sales flat (confirmed today)

January/February: Companies see revenue miss expectations

March/April: Layoffs begin

Q2 2026: Recession becomes official

Tomorrow’s jobs report might show hiring held steady at 55,000-60,000. Wall Street will breathe a sigh of relief. “See? The labor market is fine!”

But it won’t matter.

Because if nobody’s buying, companies won’t need workers. Layoffs don’t show up in the data for 2-3 months. By the time tomorrow’s jobs report reflects consumer weakness, it’ll be too late.

The Market Hasn’t Figured This Out Yet

Futures are barely moving this morning. S&P futures up 0.1%. Nasdaq basically flat.

The market is waiting for tomorrow’s jobs data to tell it what to think.

But the answer is already here. It dropped at 8:30 AM today.

Consumer spending drives 70% of GDP. Consumer spending just went to ZERO growth in the peak month. And all the excuses in the world won’t change that math.

The Bottom Line

Everyone’s focused on tomorrow’s jobs report. Will we add 55,000 jobs or 70,000? Will unemployment hold or tick up?

Those are the wrong questions.

The RIGHT question is: If consumers stopped spending in December, how long before companies stop hiring in March?

Retail sales just gave you the answer. The recession timeline just accelerated.

And Wall Street is too busy looking at tomorrow’s data to notice.

Good luck out there.

P.S. Ford reports earnings later today. They sell the second-biggest purchase Americans make after homes. If you thought December retail sales were bad, wait until you see what’s happening to auto demand.

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Just For You

Is Take-Two Interactive the Last Pure-Play Gaming Stock?

Authored by Dan Schmidt. Publication Date: 1/29/2026. 

Article Highlights

• EA’s privatization and Ubisoft’s troubled release schedule have created an opportunity for Take-Two Interactive.
• Take-Two’s three-point business strategy drove the company to record booking revenue in its previous quarter, and it’s quickly becoming the best pure-play video game stock on U.S. markets.
• However, the release of Grand Theft Auto 6 looms in November, and Take-Two needs smooth sailing and a flawless launch to maintain momentum.

European video game developer Ubisoft Entertainment (OTCMKTS: UBSFY) saw its stock plummet last week following a wave of cancellations, most notably the “Prince of Persia: Sands of Time Remake.”

Ubisoft canceled six games in total and announced a major business reset to trim its studio count, sending the stock down more than 30% in just three days. With Ubisoft in trouble and Electronic Arts Inc. (NASDAQ: EA) poised to go private under the Saudi Public Investment Fund (PIF), Take-Two Interactive Software Inc. (NASDAQ: TTWO) may be the last pure-play gaming stock left on U.S. exchanges. But does that make it a buy?

A Bifurcated and Shrinking Video Game Industry

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The gaming industry has split into two distinct segments: mobile and console/PC. Mobile is the fastest-growing area, but console and PC gaming remain important markets and are increasingly dominated by large-scale intellectual property (IP) franchises.

In the early days of the console wars, independent developers had specialties — for example, Squaresoft’s role-playing games such as Final Fantasy. Today, publishers like Ubisoft, EA, and Take-Two own multiple studios that produce a wide variety of games, from sports titles to first-person shooters and action RPGs.

With Ubisoft reducing its footprint to five studios and EA going private while aligning more closely with sports properties like the NFL and WWE-parent TKO Group Holdings Inc. (NYSE: TKO), Take-Two is increasingly the pure-play option for investors seeking direct exposure to the industry.

There is, however, a major near-term risk: the long-awaited arrival of “Grand Theft Auto VI” (GTA6), scheduled for release on Nov. 19. GTA6 has faced delays and setbacks, and Take-Two’s prospects now hinge in part on a smooth launch.

Take-Two’s 3 Pillar Strategy

Take-Two has grown into a roughly $45 billion company using a multi-pronged approach that combines blockbuster, high-risk world-building titles with steadier revenue drivers across console and mobile platforms. The company focuses on three main pillars:

Prestige Games: Take-Two’s biggest hits come from Rockstar Games, the studio behind series like “Grand Theft Auto,” “Red Dead Redemption,” and “Max Payne.” These titles often take years (or, in GTA6’s case, much longer) to develop, but they frequently become cultural touchstones that generate massive revenue. GTA5, released in 2013, has sold roughly 220 million units and still posts annual sales of more than a million despite being on the market for over a decade.

Reliable Revenue: Rockstar projects are multi-year investments, so Take-Two relies on recurring sellers to steady cash flow. The 2K roster — including NBA 2K and WWE 2K — delivers annual releases similar to EA’s Madden franchise. NBA 2K25 sold more than 7 million copies in its fiscal release year, and NBA 2K26 had already sold 5 million units as of fiscal Q2 2026.

Zynga Mobile Games: Take-Two’s 2022 acquisition of Zynga added a significant mobile business. Mobile titles provide in-app purchase opportunities (commonly referred to as microtransactions) and advertising revenue, which helped the company generate more than $1.96 billion in fiscal Q2 2026 revenue — the best second quarter in company history. Mobile games Toon Blast and Match Factory each grew more than 20% year-over-year, and the mobile WWE 2K has exceeded 38 million lifetime downloads. The key Recurring Consumer Spending metric also rose 20% in the quarter.

TTWO Stock Consolidating Around Technical Turning Points

In its most recent earnings release, Take-Two raised its full-year 2026 net bookings guidance to $6.5 billion after a record Q2, citing expected outperformance across its slate of titles. The company’s fiscal year closes before GTA6’s November release, but investors will be watching closely for updates on that marquee franchise. In the near term, the stock faces several catalysts, including fiscal Q3 2026 earnings after the market closes on Feb. 3.

The daily chart shows TTWO at a crossroads, with the 50-day and 200-day simple moving averages (SMAs) converging ahead of the Q3 2026 report. The 200-day SMA has served as reliable support while the stock consolidates, forming higher lows and lower highs. The Relative Strength Index (RSI) has begun to turn bullish after approaching oversold territory, but many investors are likely to wait for Q3 earnings before making larger bets on TTWO shares.

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FEBRUARY 10TH, 2026

Trump’s Final Shocking Act Begins February 24 (ad)After signing more than 220 Executive Orders… more than any president in American history… Donald Trump is preparing for one final move.

On February 24th — I have every reason to believe he will sign his Final Executive Order.

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2 Subscription Economy Winners That Still Dominate Their Niches

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Quick Links

Analyst RatingsMy MarketBeatAccount SettingsMarketBeat All AccessStock ListsStock ScreenerCalculatorsPremium ReportsBest Stocks to Buy in FebruaryTwo AI Stocks Getting Quiet Attention (ad)Market volatility hasn’t disappeared — but investor behavior has changed.

Instead of chasing broad rallies, capital is increasingly flowing toward areas showing clear demand, real-world adoption, and long-term relevance. Artificial intelligence continues to stand out on all three fronts.

Across earnings calls and corporate spending plans, AI investment is no longer theoretical. It’s being deployed, measured, and expanded — even as other sectors lose momentum.

That shift is creating selective opportunities for investors paying attention.

2 AI STOCKS POSITIONED FOR THE NEXT PHASE OF GROWTH

Your Watchlist

MANAGE YOUR WATCHLIST AND MONITOR YOUR PORTFOLIO

  Apple Inc. (AAPL)

$274.32 -0.30 (-0.11%)  As of 2/10/2026 9:42 AM ET

• Apple and Google agree app store changes to appease UK regulator 2/10 – REUTERS
• Apple Inc. $AAPL is Houlihan Financial Resource Group Ltd.’s 9th Largest Position2/10 – MARKETBEAT
• Apple Inc. $AAPL Shares Sold by Cairn Investment Group Inc. 2/10 – MARKETBEAT
• 1 Unstoppable Stock To Buy Before It Joins Nvidia, Apple, Alphabet, and Microsoft in the $3 Trillion Club 2/10 – FOOL
• Ferrari Unveils Its First Electric Car, Designed by Former Apple Design Head2/10 – BENZINGA

  Amazon.com, Inc. (AMZN)

$207.13 -1.59 (-0.76%)  As of 2/10/2026 9:42 AM ET

• Amazon.com was the recipient of some unusual options trading activity on Monday. Traders acquired 855,197 call options on the stock. This represents an increase of 21% compared to the average daily volume of 706,487 call options.
• DA Davidson thinks Amazon.com (AMZN) is losing the lead – here’s why 2/10 – MSN
• ELCOME Expands Global Maritime Connectivity Leadership with Amazon Leo Agreement 2/10 – BUSINESSWIRE
• DA Davidson Thinks Amazon.com (AMZN) is “Losing the Lead” – Here’s Why2/10 – INSIDERMONKEY
• Amazon (AMZN) Stock: Company Develops AI Content Marketplace for Publishers2/10 – BLOCKONOMI
• Trump Set to Shield Tech Titans Amazon, Microsoft and Google From AI Chip Tariffs2/10 – TIPRANKS

  Alphabet Inc. (GOOGL)

$315.60 -8.72 (-2.69%)  As of 2/10/2026 9:42 AM ET

• European Publishers Council files EU antitrust complaint about Google’s AI Overviews 2/10 – REUTERS
• Coca-Cola earnings, Google’s AI risks, Target layoffs and more in Morning Squawk2/10 – CNBC
• Alphabet Inc. $GOOGL Shares Purchased by Belpointe Asset Management LLC2/10 – MARKETBEAT
• Nicola Wealth Management LTD. Sells 65,400 Shares of Alphabet Inc. $GOOGL2/10 – MARKETBEAT
• Alphabet sells bonds worth $20 billion to fund AI spending 2/10 – REUTERS

  Meta Platforms, Inc. (META)

$676.48 -0.74 (-0.11%)  As of 2/10/2026 9:42 AM ET

• Meta subsidiary loses appeal against Deutsche Telekom over network services2/10 – REUTERS
• Thrivent Financial for Lutherans Grows Holdings in Meta Platforms, Inc. $META2/10 – MARKETBEAT
• Meta Platforms, Inc. $META Stake Lifted by Mediolanum International Funds Ltd2/10 – MARKETBEAT
• Jury told that Meta, Google ‘engineered addiction’ at landmark US trial2/10 – TECHXPLORE
• 1 Top Growth Stock to Buy in February2/9 – FOOL

  Microsoft Corporation (MSFT)

$416.40 +2.80 (+0.68%)  As of 2/10/2026 9:42 AM ET

• Melius Downgrades Microsoft (MSFT) to Hold, Flags AI Capex and Cash Flow Risks2/10 – YAHOO
• Hartline Investment Corp Sells 2,339 Shares of Microsoft Corporation $MSFT2/10 – MARKETBEAT
• Software Bear Market: 2 AI Stocks With 50% and 83% Upside to Buy Now, According to Wall Street 2/10 – FOOL
• Microsoft Corporation $MSFT Stake Trimmed by Howland Capital Management LLC 2/10 – MARKETBEAT
• Microsoft’s stock is cheaper than IBM’s for the first time in a decade. What that says about the AI trade. 2/10 – MSN

MANAGE YOUR WATCHLIST

Analysts’ Upgrades

Booking (NASDAQ:BKNG) was upgraded by analysts at Gordon Haskett from a “hold” rating to a “buy” rating. They now have a $5,440.00 price target on the stock. This represents a 26.4% upside from the current price of $4,302.75.Graham (NYSE:GHM) was upgraded by analysts at Northland Securities from a “market perform” rating to an “outperform” rating.The current price is $88.06.Ichor (NASDAQ:ICHR) was upgraded by analysts at B. Riley Securities from a “neutral” rating to a “buy” rating. They now have a $52.00 price target on the stock, up previously from $30.00. This represents a 15.7% upside from the current price of $44.94.Palantir Technologies (NASDAQ:PLTR) was upgraded by analysts at Daiwa Securities Group Inc. from a “neutral” rating to a “buy” rating. They now have a $180.00 price target on the stock. This represents a 25.1% upside from the current price of $143.90.Sirius XM (NASDAQ:SIRI) was upgraded by analysts at JPMorgan Chase & Co. from an “underweight” rating to a “neutral” rating. They now have a $24.00 price target on the stock. This represents a 12.8% upside from the current price of $21.27.Take-Two Interactive Software(NASDAQ:TTWO) was upgraded by analysts at Raymond James Financial, Inc. from an “outperform” rating to a “strong-buy” rating. They now have a $285.00 price target on the stock. This represents a 34.8% upside from the current price of $211.40.Unity Software (NYSE:U) was upgraded by analysts at Oppenheimer Holdings, Inc. from a “market perform” rating to an “outperform” rating. They now have a $38.00 price target on the stock. This represents a 34.6% upside from the current price of $28.23.
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Analysts’ Downgrades

Allied Gold (NYSE:AAUC) was downgraded by analysts at Stifel Nicolaus from a “buy” rating to a “hold” rating.The current price is $31.64.Estee Lauder Companies (NYSE:EL) was downgraded by analysts at HSBC Holdings plc from a “buy” rating to a “hold” rating. They now have a $106.00 price target on the stock. This represents a 6.4% upside from the current price of $99.66.E.On (OTCMKTS:EONGY) was downgraded by analysts at Berenberg Bank from a “buy” rating to a “hold” rating.The current price is $21.47.ZoomInfo Technologies (NASDAQ:GTM) was downgraded by analysts at Citizens Jmp from a “market perform” rating to a “mkt underperform” rating. They now have a $6.00 price target on the stock. This represents a 18.0% downside from the current price of $7.32.Linde (NASDAQ:LIN) was downgraded by analysts at DZ Bank AG from a “buy” rating to a “hold” rating. They now have a $460.00 price target on the stock. This represents a 0.5% upside from the current price of $457.66.ON Semiconductor (NASDAQ:ON) was downgraded by analysts at Benchmark Co. from a “buy” rating to a “hold” rating.The current price is $66.69.Peloton Interactive (NASDAQ:PTON) was downgraded by analysts at Argus from a “buy” rating to a “hold” rating.The current price is $4.36.Frontier Group (NASDAQ:ULCC) was downgraded by analysts at Deutsche Bank Aktiengesellschaft from a “buy” rating to a “hold” rating. They now have a $6.00 price target on the stock. This represents a 0.7% upside from the current price of $5.96.
VIEW MORE DOWNGRADES
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Analysts’ New Coverage

Becton, Dickinson and Company(NYSE:BDX) is now covered by analysts at Barclays PLC. They set an “overweight” rating and a $202.00 price target on the stock. This represents a 20.3% upside from the current price of $167.96.Ceva (NASDAQ:CEVA) is now covered by analysts at Stifel Nicolaus. They set a “buy” rating and a $30.00 price target on the stock. This represents a 30.7% upside from the current price of $22.95.Microbot Medical (NASDAQ:MBOT) is now covered by analysts at B. Riley Securities. They set a “buy” rating and a $5.00 price target on the stock. This represents a 159.7% upside from the current price of $1.93.Passage Bio (NASDAQ:PASG) is now covered by analysts at Chardan Capital. They set a “buy” rating and a $21.00 price target on the stock. This represents a 132.9% upside from the current price of $9.02.Remitly Global (NASDAQ:RELY) is now covered by analysts at Bank of America Corporation. They set a “buy” rating and a $18.00 price target on the stock. This represents a 30.6% upside from the current price of $13.79.Somnigroup International (NYSE:SGI) is now covered by analysts at Stephens. They set an “equal weight” rating and a $89.00 price target on the stock. This represents a 8.8% downside from the current price of $97.56.Waters (NYSE:WAT) is now covered by analysts at Citigroup Inc.. They set a “buy” rating and a $425.00 price target on the stock. This represents a 28.0% upside from the current price of $332.08.Waters (NYSE:WAT) is now covered by analysts at Evercore ISI. They set an “in-line” rating and a $360.00 price target on the stock. This represents a 8.4% upside from the current price of $332.08.
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See Also: Paper assets fail first when systems reset(From Reagan Gold Group)

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FEBRUARY 10TH, 2026

Trump’s Final Shocking Act Begins February 24 (ad)After signing more than 220 Executive Orders… more than any president in American history… Donald Trump is preparing for one final move.

On February 24th — I have every reason to believe he will sign his Final Executive Order.

When I say that it’s his FINAL executive order…

CLICK HERE OR BELOW FOR THIS UNBELIEVABLE STORY…

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2 Subscription Economy Winners That Still Dominate Their Niches

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Analyst RatingsMy MarketBeatAccount SettingsMarketBeat All AccessStock ListsStock ScreenerCalculatorsPremium ReportsBest Stocks to Buy in FebruaryTwo AI Stocks Getting Quiet Attention (ad)Market volatility hasn’t disappeared — but investor behavior has changed.

Instead of chasing broad rallies, capital is increasingly flowing toward areas showing clear demand, real-world adoption, and long-term relevance. Artificial intelligence continues to stand out on all three fronts.

Across earnings calls and corporate spending plans, AI investment is no longer theoretical. It’s being deployed, measured, and expanded — even as other sectors lose momentum.

That shift is creating selective opportunities for investors paying attention.

2 AI STOCKS POSITIONED FOR THE NEXT PHASE OF GROWTH

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  Apple Inc. (AAPL)

$274.32 -0.30 (-0.11%)  As of 2/10/2026 9:42 AM ET

• Apple and Google agree app store changes to appease UK regulator 2/10 – REUTERS
• Apple Inc. $AAPL is Houlihan Financial Resource Group Ltd.’s 9th Largest Position2/10 – MARKETBEAT
• Apple Inc. $AAPL Shares Sold by Cairn Investment Group Inc. 2/10 – MARKETBEAT
• 1 Unstoppable Stock To Buy Before It Joins Nvidia, Apple, Alphabet, and Microsoft in the $3 Trillion Club 2/10 – FOOL
• Ferrari Unveils Its First Electric Car, Designed by Former Apple Design Head2/10 – BENZINGA

  Amazon.com, Inc. (AMZN)

$207.13 -1.59 (-0.76%)  As of 2/10/2026 9:42 AM ET

• Amazon.com was the recipient of some unusual options trading activity on Monday. Traders acquired 855,197 call options on the stock. This represents an increase of 21% compared to the average daily volume of 706,487 call options.
• DA Davidson thinks Amazon.com (AMZN) is losing the lead – here’s why 2/10 – MSN
• ELCOME Expands Global Maritime Connectivity Leadership with Amazon Leo Agreement 2/10 – BUSINESSWIRE
• DA Davidson Thinks Amazon.com (AMZN) is “Losing the Lead” – Here’s Why2/10 – INSIDERMONKEY
• Amazon (AMZN) Stock: Company Develops AI Content Marketplace for Publishers2/10 – BLOCKONOMI
• Trump Set to Shield Tech Titans Amazon, Microsoft and Google From AI Chip Tariffs2/10 – TIPRANKS

  Alphabet Inc. (GOOGL)

$315.60 -8.72 (-2.69%)  As of 2/10/2026 9:42 AM ET

• European Publishers Council files EU antitrust complaint about Google’s AI Overviews 2/10 – REUTERS
• Coca-Cola earnings, Google’s AI risks, Target layoffs and more in Morning Squawk2/10 – CNBC
• Alphabet Inc. $GOOGL Shares Purchased by Belpointe Asset Management LLC2/10 – MARKETBEAT
• Nicola Wealth Management LTD. Sells 65,400 Shares of Alphabet Inc. $GOOGL2/10 – MARKETBEAT
• Alphabet sells bonds worth $20 billion to fund AI spending 2/10 – REUTERS

  Meta Platforms, Inc. (META)

$676.48 -0.74 (-0.11%)  As of 2/10/2026 9:42 AM ET

• Meta subsidiary loses appeal against Deutsche Telekom over network services2/10 – REUTERS
• Thrivent Financial for Lutherans Grows Holdings in Meta Platforms, Inc. $META2/10 – MARKETBEAT
• Meta Platforms, Inc. $META Stake Lifted by Mediolanum International Funds Ltd2/10 – MARKETBEAT
• Jury told that Meta, Google ‘engineered addiction’ at landmark US trial2/10 – TECHXPLORE
• 1 Top Growth Stock to Buy in February2/9 – FOOL

  Microsoft Corporation (MSFT)

$416.40 +2.80 (+0.68%)  As of 2/10/2026 9:42 AM ET

• Melius Downgrades Microsoft (MSFT) to Hold, Flags AI Capex and Cash Flow Risks2/10 – YAHOO
• Hartline Investment Corp Sells 2,339 Shares of Microsoft Corporation $MSFT2/10 – MARKETBEAT
• Software Bear Market: 2 AI Stocks With 50% and 83% Upside to Buy Now, According to Wall Street 2/10 – FOOL
• Microsoft Corporation $MSFT Stake Trimmed by Howland Capital Management LLC 2/10 – MARKETBEAT
• Microsoft’s stock is cheaper than IBM’s for the first time in a decade. What that says about the AI trade. 2/10 – MSN

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Analysts’ Upgrades

Booking (NASDAQ:BKNG) was upgraded by analysts at Gordon Haskett from a “hold” rating to a “buy” rating. They now have a $5,440.00 price target on the stock. This represents a 26.4% upside from the current price of $4,302.75.Graham (NYSE:GHM) was upgraded by analysts at Northland Securities from a “market perform” rating to an “outperform” rating.The current price is $88.06.Ichor (NASDAQ:ICHR) was upgraded by analysts at B. Riley Securities from a “neutral” rating to a “buy” rating. They now have a $52.00 price target on the stock, up previously from $30.00. This represents a 15.7% upside from the current price of $44.94.Palantir Technologies (NASDAQ:PLTR) was upgraded by analysts at Daiwa Securities Group Inc. from a “neutral” rating to a “buy” rating. They now have a $180.00 price target on the stock. This represents a 25.1% upside from the current price of $143.90.Sirius XM (NASDAQ:SIRI) was upgraded by analysts at JPMorgan Chase & Co. from an “underweight” rating to a “neutral” rating. They now have a $24.00 price target on the stock. This represents a 12.8% upside from the current price of $21.27.Take-Two Interactive Software(NASDAQ:TTWO) was upgraded by analysts at Raymond James Financial, Inc. from an “outperform” rating to a “strong-buy” rating. They now have a $285.00 price target on the stock. This represents a 34.8% upside from the current price of $211.40.Unity Software (NYSE:U) was upgraded by analysts at Oppenheimer Holdings, Inc. from a “market perform” rating to an “outperform” rating. They now have a $38.00 price target on the stock. This represents a 34.6% upside from the current price of $28.23.
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Analysts’ Downgrades

Allied Gold (NYSE:AAUC) was downgraded by analysts at Stifel Nicolaus from a “buy” rating to a “hold” rating.The current price is $31.64.Estee Lauder Companies (NYSE:EL) was downgraded by analysts at HSBC Holdings plc from a “buy” rating to a “hold” rating. They now have a $106.00 price target on the stock. This represents a 6.4% upside from the current price of $99.66.E.On (OTCMKTS:EONGY) was downgraded by analysts at Berenberg Bank from a “buy” rating to a “hold” rating.The current price is $21.47.ZoomInfo Technologies (NASDAQ:GTM) was downgraded by analysts at Citizens Jmp from a “market perform” rating to a “mkt underperform” rating. They now have a $6.00 price target on the stock. This represents a 18.0% downside from the current price of $7.32.Linde (NASDAQ:LIN) was downgraded by analysts at DZ Bank AG from a “buy” rating to a “hold” rating. They now have a $460.00 price target on the stock. This represents a 0.5% upside from the current price of $457.66.ON Semiconductor (NASDAQ:ON) was downgraded by analysts at Benchmark Co. from a “buy” rating to a “hold” rating.The current price is $66.69.Peloton Interactive (NASDAQ:PTON) was downgraded by analysts at Argus from a “buy” rating to a “hold” rating.The current price is $4.36.Frontier Group (NASDAQ:ULCC) was downgraded by analysts at Deutsche Bank Aktiengesellschaft from a “buy” rating to a “hold” rating. They now have a $6.00 price target on the stock. This represents a 0.7% upside from the current price of $5.96.
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Analysts’ New Coverage

Becton, Dickinson and Company(NYSE:BDX) is now covered by analysts at Barclays PLC. They set an “overweight” rating and a $202.00 price target on the stock. This represents a 20.3% upside from the current price of $167.96.Ceva (NASDAQ:CEVA) is now covered by analysts at Stifel Nicolaus. They set a “buy” rating and a $30.00 price target on the stock. This represents a 30.7% upside from the current price of $22.95.Microbot Medical (NASDAQ:MBOT) is now covered by analysts at B. Riley Securities. They set a “buy” rating and a $5.00 price target on the stock. This represents a 159.7% upside from the current price of $1.93.Passage Bio (NASDAQ:PASG) is now covered by analysts at Chardan Capital. They set a “buy” rating and a $21.00 price target on the stock. This represents a 132.9% upside from the current price of $9.02.Remitly Global (NASDAQ:RELY) is now covered by analysts at Bank of America Corporation. They set a “buy” rating and a $18.00 price target on the stock. This represents a 30.6% upside from the current price of $13.79.Somnigroup International (NYSE:SGI) is now covered by analysts at Stephens. They set an “equal weight” rating and a $89.00 price target on the stock. This represents a 8.8% downside from the current price of $97.56.Waters (NYSE:WAT) is now covered by analysts at Citigroup Inc.. They set a “buy” rating and a $425.00 price target on the stock. This represents a 28.0% upside from the current price of $332.08.Waters (NYSE:WAT) is now covered by analysts at Evercore ISI. They set an “in-line” rating and a $360.00 price target on the stock. This represents a 8.4% upside from the current price of $332.08.
VIEW MORE NEW COVERAGE

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See Also: Paper assets fail first when systems reset(From Reagan Gold Group)

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© 2026 Stansberry Research. All rights reserved. Any reproduction, copying, or redistribution, in whole or in part, is prohibited without written permission from Stansberry Research, 1125 N Charles St, Baltimore, MD 21201stansberryresearch.com.

Dow 50K and Gold $5K Anchor Massive Market Recovery

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Hello Peter Anthony Hovis,

Dow 50K and Gold $5K Anchor Massive Market Recovery

Once again, Wall Street shook off the shock from a recent artificial intelligence-driven rout with another green day during yesterday’s session, defined by “dip-buying” and historic milestones.

The S&P 500 climbed 0.5% to 6,964.82, which is within striking distance of its all-time high. Meanwhile, the Dow Jones Industrial Average secured a fresh record close above the 50,000 mark at 50,135.87.

The primary narrative of the day was a fierce tech rebound.

After fears that advanced autonomous agents might cannibalize traditional software models, investors pivoted back to the “infrastructure” thesis. Oracle led the charge with a nearly 10% surge after analysts at D.A. Davidson suggested that the “AI landscape uncertainty” was finally receding.

(Photo: MDart10 / Shutterstock)

The sentiment was echoed across the sector, with Alphabet Inc. embarking on a massive global bond spree, including a rare 100-year “century bond,” to fund its multi-billion dollar AI ambitions.

Does this mean that the coast is clear for the stock market?

Maybe, maybe not.

The recent bounce was typical for stocks that saw sudden drops like last week. It remains too early to tell if it is a real recovery or a brief bounce before resuming the downtrend. Traders should be prepared for both scenarios.

• “When markets sell off like certain areas in tech have, there’s often knee-jerk rallies,” noted Sameer Samana, Senior Global Market Strategist at Wells Fargo Investment Institute. “Time will tell if we need a retest or if enough value was created.”

The commodities market also staged a monster recovery.

Gold reclaimed and held the psychologically critical $5,000 per ounce level, trading near $5,033. The bull run, a staggering 95% gain over the last year, has been fueled by a weakening dollar and relentless buying from central banks—particularly China, which is now in its 15th consecutive month of gold acquisition.

While gold glittered, the U.S. Dollar retreated 0.6%, pressured by simmering geopolitical tensions and a “Goldilocks” expectation for the domestic economy. In the energy sector, Oil prices edged higher following U.S. advisories for shipping to avoid Iranian waters in the Strait of Hormuz, adding a layer of risk premium to the barrel.

(Photo: REUTERS/Eli Hartman)

The day’s optimism remains tethered to high-stakes data releases that will arrive later this week. Traders are bracing for a delayed January Jobs Report on Wednesday, which is expected to show a modest gain of 68,000 to 70,000 payrolls.

Perhaps more critically, the report will include historical revisions that may reveal the labor market was softer in 2025 than previously thought.

Economists are also keeping an eye on Friday’s Consumer Price Index (CPI).

These two reports are important. Suppose that the jobs report comes in light. Traders would hope for inflation to be cooler-than-expected, so it would create a perfect storm for the Federal Reserve to cut interest rates again.

Why? The labor market is weakening, while inflation is cooling.

It’d be difficult for Fed officials to argue against rate cuts, which would be extremely positive for stocks in an accelerating economy.

• “A so-so jobs report probably won’t have much of an impact, but traders expecting stocks to bounce on weak numbers have to consider the possibility that a choppy stock market may simply treat good news as good and bad news as bad,” warned Chris Larkin, Managing Director of Trading and Investing for E*TRADE from Morgan Stanley.

So, this week’s economic reports may dictate the market’s short-term direction over the next few weeks.

Wall Street May Fall In Love With This Stock Soon

Today’s Stock Pick: Dave Inc. (DAVE)

Dave is one of the fastest-growing companies in the stock market right now, and it may be considered the anti-bank for the everyday person.

Most traditional banks basically penalize people for running low on cash and make a killing on overdraft fees. But Dave turned that model on its head. Their big draw is a product called ExtraCash, which gives users a small, interest-free advance to bridge the gap between paychecks so they don’t get hit with those $35 bank fees.

Dave is completely plugged into its customer’s pain points with marketing.

Namely, it focuses on the need for liquidity.

(Source: Dave)

It is working.

In the third quarter, it acquired 843K new members (up 17% QoQ) while Customer Acquisition Cost was flat at $19. Its payback period was reduced by nearly a month to less than four months. Gross profit per Monthly Transacting Members (MTM) is $150.

These are insane metrics.

While the economy is relatively strong, it is no secret that lower-income consumers are struggling right now.

This presents an opportunity for Dave to take market share from traditional banks as a fintech innovator. The company believes its TAM is 180 million customers who have trouble managing cash flow and experienced paying overdraft fees.

They also need access to affordable short-term liquidity.

(Source: Dave)

Dave’s value proposition is compelling.

It charges zero annual bank account maintenance fees and requires zero minimum balance to avoid account maintenance fees. Its overdraft cost to access $100 is only $5 while other banks are more than $30.

In fact, financially struggling Americans pay $300 to $400 on average to legacy banks.

(Source: Dave)

How is it possible that Dave offers these attractive value propositions?

It has an unique business model. Its cost to serve is 84% lower than legacy banks. Its savvy marketing delivered a 97% lower in customer acquisition cost.

(Source: Dave)

Not only that, Dave has a modern infrastructure. Legacy banks use outdated IT that costs more to operate. Dave leverages CashAI underwriting engine that uses real-time transaction data while legacy banks use antiquated models based on FICO.

Its total employees? Less than 300.

It doesn’t own any branch location.

And so on.

(Source: Dave)

Its customer acquisition strategy is smart.

First, it begins with members’ most crucial need — liquidity. CashAI offers cash to customers using its AI-driven underwriting model. ExtraCash also provides short-term liquidity to replace overdraft fees.

Eventually, Dave wants to translate it into a long-term banking relationship.

(Source: Dave)

Sure enough, its total members jumped 17% year-over-year in the recent quarter. The growth has been steady. So, Dave is one of those growth stocks that have been delivering results. 

(Source: Dave)

Its total revenue skyrocketed 63% year-over-year, Its adjusted EBITDA was profitable with a 137% year-over-year growth. ExtraCash origination volume jumped 49% year-over-year.

(Source: Dave)

Not only that, the company raised its revenue and adjusted EBITDA guidance by a mile. Revenue growth increased from ~46% to ~57%. Adjusted EBITDA is projected to post a ~150% growth from a year ago.

(Source: Dave)

Bottom line: Dave’s products are perfect for the current economy. Its growth is accelerating. The stock looks like it may run because of Wall Street’s love for accelerating growth rates along with strong EBITDA growth.

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