RJ Hamster
RJ Hamster
RJ Hamster
RJ Hamster
Nancy Guthrie “still out there,” sheriff says, as FBI…
News for you, Peter
Today’s game
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Pakistani Court Awards Christian Girl to Abductor
Pakistani Court Awards Christian Girl to Abductor
Finding Real Discipleship in Community
Devotion Over Discipline: Faith That Endures
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RJ Hamster
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💬 New thread from MaxDividends
 MaxDividends just started a threadJoin the chat for MaxDividends now in the Substack app or web reader. From MaxDividends’ subscriber chatMaxDividends Is T. Rowe Price a dividend stock for 2026? 40+ years of dividend raises, fee-based business, ultra-low debt, Financial Score 97. Breaking down how asset managers generate income — and when they work best. 🎥📊Join chat© 2026 BeatMarket Oy – MaxDividendsPL 764 00101 Helsinki Finland / 3315192-1 Unsubscribe |
RJ Hamster
New gold price target
New gold price target
Most investment banks now predict gold will cross $6,000 an ounce this year.
Some analysts expect it to soar as high as $10,000.
But if you ‘re thinking of buying gold this year, do this first.
In short: There ‘s no question 2026 will be a year of great uncertainty, especially as we get closer to the midterm elections.
And there ‘s no question gold could skyrocket as a result.
But I have an unfortunate truth to tell you…
Most folks will likely run out and buy bullion or mining stocks.
Sadly, these folks will likely miss out on the biggest gains.
That’s because there’s a much, much better way to invest in gold right now.
Most people know nothing about it.
But as I’ll show you, if you follow this simple approach, which has nothing to do with bullion, ETFs, or mining stocks, the gains can be absolutely incredible.
In one period, it turned every $5,000 invested into more than $1.6 million.
Which is why we ‘re sounding the alarm on gold in 2026.
And why it ‘s critical for you to see our top gold recommendation immediately.
Regards,
Matt Weinschenk
Director of Research, Stansberry Research
Exclusive Story
Uber in the Buy Zone: Can It Take Investors for a Ride They Like?
Submitted by Thomas Hughes. Publication Date: 2/5/2026.
Article Highlights
- Uber’s mixed results and tepid guidance led price action to long-term lows, where buyers were waiting.
- The company’s cash flow is solid, and capital return reliably reduces the share count.
- Analysts and institutional data indicate accumulation in early 2026 and a price floor.
Uber (NYSE: UBER) stock retreated into the buy zone in early Q1 2026, and signs indicate it can take investors on a potentially rewarding ride. Boosted by recent earnings, analyst trends, and institutional buying, the company looks like a profitably growing tech business that matters today and for the future.
Focused on ride-sharing and final-mile services, Uber’s future is tied to autonomous driving and the application of physical AI. Partnerships include NVIDIA (NASDAQ: NVDA) for infrastructure and platform support, as well as major AV developers such as Waymo and Aurora, which already operate autonomous vehicles.
Uber Drives Away With Record Free Cash Flow in 2025
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Uber’s Q4 earnings were mixed: adjusted earnings per share (EPS) missed estimates, but the overall results were strong. Revenue of $14.73 billion was up 20.2% year-over-year, maintaining its roughly 20% growth pace for another quarter and narrowly beating analyst consensus.
Growth was driven by an 18% increase in active users and a 3% rise in trips per user. Trips were up 22%, bookings rose 22%, and margins expanded. Mobility grew 20% while Delivery jumped 26%, supporting the longer-term outlook.
The earnings picture was nuanced. The EPS miss prompted a post-release pullback even though the quarter showed meaningful year-over-year improvement, margin expansion and record cash flow.
Key metrics included a 35% increase in adjusted EBITDA, a 46% rise in adjusted operating income, a 25% increase in net income, and a 65% jump in free cash flow (FCF) to $2.8 billion.
Guidance was another sticking point. Uber expects a typical seasonal step-down from Q4, but the 2026 guidance still implies roughly 19% growth versus the same quarter last year, with adjusted earnings of $0.68.
The $0.68 outlook was below consensus; however, it likely reflects conservative assumptions and wider margins. Momentum from Q4 could carry into the current quarter and potentially strengthen as the year progresses. Recent developments in Washington point to de‑escalation in trade tensions, moderating inflation, and accelerating global economic activity.
Free Cash Flow Drives Analysts and Institutional Interest
Revenue growth matters for the stock, but cash flow may matter more. Uber’s 2025 pivot to improving free cash flow funded a robust share buyback program that has reduced the share count by roughly 1.5% on average for both the quarter and the year. That pace appears likely to continue in 2026, which would boost per‑share results.
Institutional interest reinforces Uber’s investment case. Institutions own more than 80% of UBER shares and were net buyers throughout 2025, providing a support base and tailwind for the stock.
The trend continued in early Q1 2026, with trading activity skewed to buying—about $2 bought for every $1 sold—suggesting strong support at levels that align with technical targets.
On the analyst front, some price targets were moderated after the guidance update, but the overall outlook did not change materially.
There is some concern about near-term margin pressure, but strong bookings, operational leadership, pricing power, and longer-term forecasts outweigh that worry.
Analyst consensus remains a Moderate Buy and sentiment is firming. The consensus price target has risen roughly 20% over the past 12 months and implies about 40% upside toward new all‑time highs.
Uber Points to Hard Bottom After Guidance Update
At first glance UBER’s price action doesn’t look bullish—shares fell a modest amount—but a closer look shows support at critical levels.
Both the daily and week‑to‑date candles show support with long lower wicks—the daily lower wick is notably longer than the upper one. That pattern suggests the market is uncertain but reluctant to accept lower prices. The stock can rebound quickly from here, though it also risks breaking its trend and becoming range‑bound until stronger catalysts emerge.
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Just For You: AI tech that predicts heart failure learns to forecast stocks (From TradeSmith)
RJ Hamster
When Should You Consider Changing Advisors?
| 3 Signs You May Want to SwitchFinancial Advisors Is your financial advisor working in your best interest?Take Matching QuizFind financial advisors who serve your area, free!For many people, switching financial advisors may seem like an expensive headache, and may put it off, indefinitely. But working with a financial advisor with your best interests in mind could potentially help you find ways to build wealth, safeguard your nest egg against volatile markets, avoid costly tax mistakes and plan your financial legacy for your heirs. If you feel your current advisor is not effectively helping you work toward achieving your financial goals, it may be time to look for someone who can. Whether you are considering switching financial advisors, or working with one for the first time, it’s important to note the potential value an advisor can provide, which may potentially outweigh the costs of their services. SmartAsset’s latest proprietary model reveals that working with a financial advisor could potentially add from 36% to 212% more dollar value to investors’ portfolios over a lifetime, depending on multiple unique, individual factors.¹Final lifetime net worth with and without a financial advisor. Disclaimer: This example demonstrates the potential final lifetime portfolio value, accounting forestimated investment returns, tax savings and inflation over different life stages for an individualstarting with $500,000 at age 45, through age 77. Under a set of core assumptions, this consumerprofile is projected to have a final lifetime portfolio value of approximately $3.24 million ifretaining the services of a financial advisor – not accounting for additional savings or portfoliowithdrawals – versus a final estimated lifetime portfolio value of $1.56 million without the servicesof a financial advisor. This example is based on the valuation framework presented in SmartAsset’swhitepaper “The Value of a Financial Advisor: What’s It Really Worth?” (Nov. 2024). The value ofprofessional financial advice is only an illustrative estimate and varies with each unique client’sindividual circumstances and portfolio composition. Carefully consider your investmentobjectives, risk factors, and perform your own due diligence before choosing a financial advisor.Replacing your advisor doesn’t have to be a hassle or come with high costs. SmartAsset’s no-cost tool can help you find and compare vetted fiduciary advisors who serve your area, each legally bound to work in your best interest. It’s never too late to plan to work toward a comfortable retirement. Get your financial advisor matches today.Take Matching QuizThis is a hypothetical example and is not representative of any specific security. Actual results whenworking with a financial advisor will vary. This scenario is for illustrative purposes only and does not represent an actual client. Results mayvary. This is not an offer to buy or sell any security or interest. All investing involves risk, including loss ofprincipal. Working with an adviser may come with potential downsides such as payment of fees (whichwill reduce returns). Past performance is not a guarantee of future results. There are no guaranteesthat working with an adviser will yield positive returns. The existence of a fiduciary duty does notprevent the rise of potential conflicts of interest. SmartAsset.com is not intended to provide legal advice, tax advice, accounting advice or financialadvice (Other than referring users to third party advisers registered or chartered as fiduciaries(“Adviser(s)”) with a regulatory body in the United States). The article and opinions in this publicationare for general information only and are not intended to provide specific advice or recommendationsfor any individual. We suggest that you consult your accountant, tax, or legal advisor with regard toyour individual situation. SmartAsset Advisors, LLC (“SmartAsset”), a wholly owned subsidiary of Financial Insight Technology,is registered with the U.S. Securities and Exchange Commission as an investment adviser. SmartAsset’s services are limited to referring users to third party advisers registered or chartered asfiduciaries (“Adviser(s)”) with a regulatory body in the United States that have elected to participate inour matching platform based on information gathered from users through our online questionnaire.SmartAsset receives compensation from Advisers for our services. SmartAsset does not review theongoing performance of any Adviser, participate in the management of any user’s account by anAdviser or provide advice regarding specific investments. We do not manage client funds or hold custody of assets, we help users connect with relevantfinancial advisors. Sources:1. “The Value of a Financial Advisor: What’s It Really Worth?” SmartAsset (Nov. 2024) |
Friday’s Featured Story
Ally Financial Pops on Q4 Earnings Beat and $2 Billion Buyback
Authored by Jordan Chussler. Article Posted: 1/23/2026.
Summary
- The financials sector has been the S&P 500’s worst performer over the past month, posting a loss of 2.99%.
- Shares of financial services firm Ally jumped 7% on Wednesday after the company reported record EPS growth.
- The company also announced that it has authorized a $2 billion stock buyback program.
Over the past month, the financial services sector has been the worst performer in the S&P 500, declining 2.99%. Over the past six months, its modest 1.26% gain ranks second-worst.
But as Q4 earnings season begins in earnest, bank stocks are already showing the sector’s long-term value as earnings beats and stronger forward guidance aim to restore investor confidence.
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That dynamic was evident when online bank Ally Financial (NYSE: ALLY) reported Q4 and full-year results on Wednesday, Jan. 21, and the market reacted positively, sending shares nearly 7% higher.
Ally Reports Record Q4 Earnings Growth
When Ally posted Q4 earnings, it reported earnings per share (EPS) of $1.09, beating the consensus estimate of $1.02. Quarterly revenue came in at $2.17 billion—a 4.8% year-over-year increase—versus analyst expectations of $2.15 billion.
Ally’s 2025 full-year results included adjusted total net revenue of $8.5 billion and core pre-tax income of $1.6 billion.
On the company’s earnings call, CEO Michael Rhodes said the firm generated $1.5 billion in written insurance premiums—a record for Ally—alongside year-over-year EPS growth of 62%, also a record.
The EPS improvement was welcome after annualized earnings contractions of -38.81%, -44.93%, and -35.02% in 2022, 2023, and 2024, respectively.
Part of 2025’s strong EPS performance was driven by record consumer auto applications. Ally processed 3.8 million applications in Q4, equating to $10.8 billion in loan originations in the quarter and roughly $43.7 billion for the year—an 11% increase year over year.
Ally also authorized a $2 billion share buyback program and issued 2026 guidance that includes roughly 5% revenue growth.
Rhodes added that Ally “ended the year with $144 billion in retail deposit balances, reinforcing our position as the largest all-digital direct bank in the United States.” He noted the bank “now serve[s] 3.5 million customers as 2025 marked our 17th consecutive year of customer growth.”
Ally has a trailing EPS of $1.66 and a trailing 12-month price-to-earnings (P/E) ratio of 25.52. Analysts expect earnings to rise sharply next year—about 53.2%—from $3.57 to $5.47 per share.
Ally’s Dividend Pays Investors to Patiently Wait for the Upside
The average 12-month price target of $49.44 for ALLY implies nearly 17% potential upside. With a forward P/E of just 11.88, the stock is increasingly being viewed as a value opportunity.
As with most financial institutions, Ally pays a dividend to patient shareholders.
Currently, that dividend pays $1.20 per share annually, representing a 2.83% yield at today’s price. While Ally’s dividend payout ratio of more than 72% may give some investors pause, the company has a five-year annualized dividend growth rate of 12.03%, which supports the case for a reliable payment.
The next quarterly payment of $0.30 per share is scheduled for Tuesday, Feb. 17, to investors of record before the ex-dividend date of Monday, Feb. 2.
What Wall Street Thinks About Ally Financial?
So far in January, Ally Financial has been upgraded by Evercore, Wells Fargo, and Bank of America to Outperform, Overweight, and Buy, respectively.
Those investment banks cited improving credit trends and greater confidence in Ally’s net interest margin—the difference between interest earned on investments and loans and interest paid on deposits and debt.
Of the 18 analysts covering ALLY, 13 give it a Buy rating, five give it a Hold, and none give it a Sell. Overall, it carries a Moderate Buy rating.
According to TradeSmith, the stock’s financial health sits in the Green Zone, where it has been for more than three months. Meanwhile, institutional ownership remains above average at nearly 89%, with inflows of $2.46 billion outpacing outflows of $1.62 billion over the past 12 months.
Current short interest stands at 3.5%, or just over 308,000 shares out of 10.7 million shares outstanding.
Notably, Ally Financial scores higher than 99% of companies evaluated by MarketBeat and ranks 25th out of 907 stocks in the finance sector.
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Just For You: AI tech that predicts heart failure learns to forecast stocks (From TradeSmith)
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Trump Devises the Death of the IRS ☠️
Something historic is unfolding in Washington — and it could change your financial future FOREVER.
Trump has just signed an executive order creating America’s first-ever National Investment Fund — a game-changing system designed to replace income taxes and send direct payouts to everyday Americans.
More than $1 TRILLION is expected to be distributed… and YOU could be eligible to claim a massive check.
Here’s how to be first in line to collect up to $21,307 — BEFORE the first checks to the public go out.
But you must act fast…
Click here to claim your stake before it’s too late.
To your wealth,
Brian Hicks
Founder and President, Angel Investment Research
Bonus Article from MarketBeat Media
Ally Financial Pops on Q4 Earnings Beat and $2 Billion Buyback
Authored by Jordan Chussler. Date Posted: 1/23/2026.
What You Need to Know
- The financials sector has been the S&P 500’s worst performer over the past month, posting a loss of 2.99%.
- Shares of financial services firm Ally jumped 7% on Wednesday after the company reported record EPS growth.
- The company also announced that it has authorized a $2 billion stock buyback program.
Over the past month, the financial services sector has been the worst performer in the S&P 500, declining 2.99%. Over the past six months, its modest 1.26% gain ranks second-worst.
But as Q4 earnings season begins in earnest, bank stocks are already showing the sector’s long-term value as earnings beats and stronger forward guidance aim to restore investor confidence.
This Isn’t a Portfolio. It’s an AI Engine. (Ad)
First comes real enterprise traction. Then comes structural leverage. Then comes compounding.
RAD Intel is an AI company already past step one. With $60M+ raised, 14,000+ investors, and a reserved Nasdaq ticker $RADI, the foundation is in place.This is typically where repricing begins. Invest now at $0.85 per share.
That dynamic was evident when online bank Ally Financial (NYSE: ALLY) reported Q4 and full-year results on Wednesday, Jan. 21, and the market reacted positively, sending shares nearly 7% higher.
Ally Reports Record Q4 Earnings Growth
When Ally posted Q4 earnings, it reported earnings per share (EPS) of $1.09, beating the consensus estimate of $1.02. Quarterly revenue came in at $2.17 billion—a 4.8% year-over-year increase—versus analyst expectations of $2.15 billion.
Ally’s 2025 full-year results included adjusted total net revenue of $8.5 billion and core pre-tax income of $1.6 billion.
On the company’s earnings call, CEO Michael Rhodes said the firm generated $1.5 billion in written insurance premiums—a record for Ally—alongside year-over-year EPS growth of 62%, also a record.
The EPS improvement was welcome after annualized earnings contractions of -38.81%, -44.93%, and -35.02% in 2022, 2023, and 2024, respectively.
Part of 2025’s strong EPS performance was driven by record consumer auto applications. Ally processed 3.8 million applications in Q4, equating to $10.8 billion in loan originations in the quarter and roughly $43.7 billion for the year—an 11% increase year over year.
Ally also authorized a $2 billion share buyback program and issued 2026 guidance that includes roughly 5% revenue growth.
Rhodes added that Ally “ended the year with $144 billion in retail deposit balances, reinforcing our position as the largest all-digital direct bank in the United States.” He noted the bank “now serve[s] 3.5 million customers as 2025 marked our 17th consecutive year of customer growth.”
Ally has a trailing EPS of $1.66 and a trailing 12-month price-to-earnings (P/E) ratio of 25.52. Analysts expect earnings to rise sharply next year—about 53.2%—from $3.57 to $5.47 per share.
Ally’s Dividend Pays Investors to Patiently Wait for the Upside
The average 12-month price target of $49.44 for ALLY implies nearly 17% potential upside. With a forward P/E of just 11.88, the stock is increasingly being viewed as a value opportunity.
As with most financial institutions, Ally pays a dividend to patient shareholders.
Currently, that dividend pays $1.20 per share annually, representing a 2.83% yield at today’s price. While Ally’s dividend payout ratio of more than 72% may give some investors pause, the company has a five-year annualized dividend growth rate of 12.03%, which supports the case for a reliable payment.
The next quarterly payment of $0.30 per share is scheduled for Tuesday, Feb. 17, to investors of record before the ex-dividend date of Monday, Feb. 2.
What Wall Street Thinks About Ally Financial?
So far in January, Ally Financial has been upgraded by Evercore, Wells Fargo, and Bank of America to Outperform, Overweight, and Buy, respectively.
Those investment banks cited improving credit trends and greater confidence in Ally’s net interest margin—the difference between interest earned on investments and loans and interest paid on deposits and debt.
Of the 18 analysts covering ALLY, 13 give it a Buy rating, five give it a Hold, and none give it a Sell. Overall, it carries a Moderate Buy rating.
According to TradeSmith, the stock’s financial health sits in the Green Zone, where it has been for more than three months. Meanwhile, institutional ownership remains above average at nearly 89%, with inflows of $2.46 billion outpacing outflows of $1.62 billion over the past 12 months.
Current short interest stands at 3.5%, or just over 308,000 shares out of 10.7 million shares outstanding.
Notably, Ally Financial scores higher than 99% of companies evaluated by MarketBeat and ranks 25th out of 907 stocks in the finance sector.
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Just For You: AI tech that predicts heart failure learns to forecast stocks (From TradeSmith)
RJ Hamster