#debt

It’s not like this is the best company to work for, and most of us don’t even like our jobs. I’d love to switch myself. But honestly, I’m terrified of what’s out there right now. Jobs feel scarce, the cost of living keeps climbing, and so many of us are drowning in debt. I hate feeling shackled to a job I don’t even enjoy, and I hate even more having to stress about losing a job I don’t like to begin with.

It is truly amazing how fast the market may have gone from:
Yay, greatly reduced costs from layoffs of aging workers and huge new CAPEX to enter the shiny new field of AI

to:
Wow, you released many loyal and very knowledgeable workers because you thought AI would capably take up their workload? Who do you think generates the knowledge where AI extracts it supposed intelligence from?
Also, dilution and especially debt is favorable, and oh my, a lot of debt is very bad. If that debt is going to generate low margin revenue, you really have to wonder what management was thinking.

Don't even get me started discussing whether Open AI is going to generate enough revenue to fulfill their contractual obligations.

ORCL was last in double digits in Dec 2023, but we could be headed back there very soon in my opinion.

Bell Canada says it's cutting approximately 690 employees, mostly managers, to help reduce debt and drive growth. The cuts follow thousands of company layoffs last year.

https://www.cbc.ca/news/business/bell-jobs-layoffs-9.6986533

Here are the 3 reasons why Verizon will
never live up to its rivals or its own best years from the past.

1. Outsourcing CS, IT and other depts
2. Everyone wants to be a manager, attend meaningless meetings to say the right things, pointing out all the wrong things that need fixing BUT NOBODY WANTS TO DO THE WORK!! Managers aren’t doing any actual work.
3. Nasty debt problem. Execs and board put us in a position impossible to get out of

Sell off company assets, assume lots of debt, the board pulls out tons of money in special payouts and destroys the company. Verizon is right on track. Get out before the real crazy begins.

Between $50B in spectrum, and billions more in buildout, we flushed money down the toilet to be able to say we had “Real 5G”. Users didn’t care. A rose by any other name.

Incremental speed increases to keep networks delivering richer content within user expectations is sufficient. Aside from that, they want USABLE, contiguous signal.

Not full bars at a busy lunch spot and all your apps are saying “No Internet Connection”. Not SOS at the same cabin in the mountains from 3 years ago when you still had 3G service.

When a brand has substance, your reputation precedes you and you can ki-l it each quarter with cheesy or basic advertising. When a brand is commoditized, and differentiators are all removed, the GLUE that kept that 1% churn rate is gone.

Are we riffing 15000 employees to pay for Frontier? Does the deal make financial sense with Verizon’s debt burden?

The debt that Dell has will not allow the company to hire new employees.

https://investors.xerox.com/static-files/adf78906-cdf0-4fef-b8ce-21264d06bd9b

Debt servicing on the interest is up to around $1.1 million a DAY! Each and every day, this is not going away. Not principal, just the interest. Under 'Total Interest expense.'

That''s 400 million a year, just on the vig.

Lawsuit settlement + 28 billion debt + loss of key clients = ????

A. Bankruptcy
B. Breakup and sale

Is Alvind purposely trying to pork up the balance sheet so much , he wants more obligations ?

I was told the company needs to be leaner and they need to bring down costs but what the he11 are these acquisitions for ?

Just good press? Bragging rights ?

Make it make sense

...so that he can watch the financial disaster unfold from the debt incurred for the boondoggle of AI.

9 more off 5th gone... That chain is looked at as weak..just like our last call was .meanwhile Nordstrom and Bloomingdale's increasing outlets .credit customers. and locations..
Slowly but surely it and the debt gonna eat us allive

https://www.spglobal.com/ratings/en/regulatory/article/-/view/type/HTML/id/3473445

I guess Wall Street didn't care for the Clown's pep rally today. This is why you pay your bills.

Layoffs will be bigger than the 15% wave a year ago. The goodwill write down will be in excess of 1 billion, and that will lower the EV and push Debt to Equity to over 1000%. Access to debt markets will effectively cease, and vendors that aren't getting paid in a timely fashion will Dun XRX. Also, the fact that the patent sale hasn't produced any dollar amounts, or hype from SB, means it is probably a terrible deal. Those patents are part of the EV of XRX and will further degrade the value of the company on the next call.

Elliott made a play at $1.2 billion new debt at over 10% interest nielsen has to pay. New debt mean more ways to cut cost to show profit. Sign Elliott is ready to cash out and move on. When do we think the IPO will be?

If you see some headline about Microsoft's CEO making claims about hirings, look away

https://techrights.org/n/2025/11/04/A_Lot_of_Fake_News_About_Microsoft_Headcount_Also_Microsoft_s_D.shtml

Verizon reported $33.8 billion in total operating revenue for the third quarter of 2025, not $34 billion in profit. Its consolidated net income (profit) for the quarter was $5.1 billion.
Verizon is currently in the process of reducing its workforce as part of a voluntary separation program and wider cost-cutting initiatives:
Job Reductions: In September 2024, Verizon announced a voluntary separation program for approximately 4,800 U.S.-based management positions as part of a cost-saving plan aiming to save up to $3 billion by 2025. Over half of these employees were expected to leave by September 2024, with the remainder departing by March 2025.
Technician Layoffs: The recent job cuts primarily targeted management positions, not specifically technicians, although overall headcount has been shrinking across the company and industry due to automation and digitization.
Financial Context: Despite strong quarterly revenue and profit, which actually increased year-over-year, the company has significant long-term debt (net unsecured debt of $112 billion as of Q3 2025) and operates in a highly competitive market. The cost-cutting measures are part of a broader strategy to manage debt, improve operational efficiency, and remain competitive.
The decision to cut jobs despite high revenue is a strategic business move aimed at long-term financial health, operational efficiency (partially through automation and AI), and managing a large debt load, rather than a reflection of immediate financial distress.
What a bunch of Dou--e Bags!!!

News travels fast, as it should...

https://www.hodinkee.com/articles/fossil-is-restructuring-as-debt-and-tariffs-take-toll

up from 112.2 billion to 120.4 billion in the past 3 months

https://finbox.com/NASDAQGS:MSFT/explorer/total_debt/

Risk of Chapter 11 or sale
Given the above:
The heavy debt load (several billions) and relatively small cash cushion raise risk if business continues to decline or cash flow weakens.
A sale or restructuring becomes more likely if they cannot reverse margin declines, stabilise revenue, and free up meaningful cash flow.
If nothing materially changes, the company may find itself pressured within 12-18 months, but this is highly dependent on actual cash flows, debt covenants, market conditions, interest rates, etc.
A sale (or strategic merger) may be a more likely outcome than full Chapter 11 if assets/brand can still attract buyers and if management acts proactively.

Plus A220 has problems too
https://www.youtube.com/watch?v=SYgAVCQmSLQ

Airbus "FINISHED" Boeing: 60 Years of Boeing Aviation History Ends, Handing Airbus The Crown!
https://www.youtube.com/watch?v=1OgHjmWOWec

Boeing is recognized the world over as a
Idіocracy based circus, managed by farcical MBA clowns supervising
a largely inept and inexperienced workforce of their own making.

This is not a groundless opinion by any means.
it’s a factual conclusion based in empirical data.

@isw+1u7qpocZ
@1ddx+1u88Z7xg
@lzx+1tUwviNA

https://oig.nasa.gov/wp-content/uploads/2024/08/ig-24-015.pdf?emrc=66b617078a773)

couldn’t hold 220 and we gap down again.
Anybody notice the debt numbers Honeywell is reporting?
2020 : $23B
2021: $20.6B
2022: $20.5B
2023: $21.5B
2024: $31.1B

Wait .. $31B. ?

AI spending -

Is driving the stock market (for now) but be aware.

The (7) Major Debt bubbles.

U.S. economic-financial system.

Debt bubbles (ultimately) lead to crashes (especially in the stock market).

Total household debt - $18.4 Trillion, and (rising) as of 2025 2nd quarter (a record).

It has been proven time-and-time again in U.S. history.

All of these are at (record) levels.

List of (current) U.S. debt bubbles -

U.S. National debt - $37.9 Trillion, and (rising) exponentially per usdebtclock (add another $3.74 Trillion (minimum) from the Trump Tax bill). Financed by outside Investors (a record).

U.S. mortgage debt - $12.94 Trillion, and (rising) as of 2025 2nd quarter (a record).

U.S. credit card debt - $1.33 Trillion, and (rising) as of 2025 3rd quarter (a record).

U.S. automotive debt - $1.66 Trillion, and (rising) as of 2025 3rd quarter (a record).

U.S. student loan debt - $1.81 Trillion, and (rising) as of 2025 3rd quarter (a record).

There is also (record) debt ($1.13 Trillion, September 2025 per FINRA) in the stock market by Investors financing purchases.

The U.S. Government shutdown (still ongoing) proves the U.S. National debt part (even more).

These are the facts.

AT&T just launched a shiny new ad campaign trashing tmobile – because nothing screams confidence like obsessing over your competitor's success.

They're bragging about "300,000 square miles of coverage" and the " AT&T Guarantee" Meanwhile, real customers on Truspilot are handing out 1-star reviews like Halloween candy. MAYBE fix your OWN moral and coverage before worrying about someone else's.

It's wild watching a 100-year-old company, drowning in debt and bad PR, act like a jealous ex. TMOBILE over there sitting comfortably at a $200 stock price, while AT&T's bragging about fiber and posting apology ads.

When your own employees are miserable, your customers are furious, and your stock is flatlined – maybe stop worrying about T-Mobile and start reconnecting with reality.

Even with stock buy backs!

https://seekingalpha.com/article/4831605-altice-usa-debt-challenges-will-be-difficult-to-solve

underperformed the S&P 500 since my previous Sell rating was published.

ATUS continues to lose broadband customers and is expected to see revenue declines in the coming years, despite aggressive network investments.

The company's leverage ratio and weighted average cost of debt have increased, making meaningful debt reduction or a non-dilutive restructuring very challenging.

The stock buyback plan seems to be working in reverse. Instead of creating shareholder value or paying down debt, billions have been poured into buybacks with nothing to show for it. The stock is sliding, the debt remains sky-high, and the company continues to cut jobs and force 5-day RTO as if that’s the solution.

It’s the same story we’ve seen time and again — billions wasted on DirecTV, Time Warner, Mexico, and now buybacks that do the exact opposite of what they were supposed to. Employees are the ones who pay the price while leadership keeps pretending this is all part of a “long-term strategy.”

How many more bad bets do we have to live through before someone is held accountable?

Share price continues to decline after earnings and sales misses. Fiber deployment might be necessary for survival but its not a growth strategy. Fiber is mostly business related - with the economy slowing expect less growth or decline in fiber related revenues. Mobility sales might be a bit better with consumer segment holding up better.

There is no growth driver other than HC reduction in the near term so expect no significant increase in share price even after this sell off. The 16% share price decline since 9-15, which accounts for about four years of dividends, will not be reversed in the near future which is reflected in analyst downgrades. Given the very large decline in share prie prior to the earnings annoucement it is likely the word got out to selected individuals inside and outside the company. The share buyback program has also been a bust having little impact on the share price decline.

What does the future hold? - flat revenues, flat earnings per share, no recovery in share price, no increase in the dividend, a very slow reduction in long term debt (maybe), and a significant reduction in HC.

To be sure AT&T is a slow growth dividend stock that because of technology needs fewer employees over time but just think how much better it would be without $200 billion in long term debt, more spectrum, and better outside management. When Stephenson became CEO the share price was $39.47. When he left it was under $30. Now its under $25. Unfortunately, there is no hope of a change in top management and the BOD. No hope.

The hole gets deeper.

U.S. economic-financial system -

Debt bubbles (ultimately) lead to crashes (especially in the stock market).

It has been proven time-and-time again in U.S. history.

All of these are at (record) levels.

List of (current) U.S. debt bubbles -

U.S. National debt - $37.8 Trillion, and (rising) exponentially per usdebtclock (add another $3.74 Trillion (minimum) from the Trump Tax bill). Financed by outside Investors (a record).

U.S. mortgage debt - $12.94 Trillion, and (rising) as of 2025 2nd quarter (a record).

U.S. credit card debt - $1.21 Trillion, and (rising) as of 2025 2nd quarter (a record).

U.S. automotive debt - $1.66 Trillion, and (rising) as of 2025 3rd quarter (a record).

U.S. student loan debt - $1.81 Trillion, and (rising) as of 2025 2nd quarter (a record).

There is also (record) debt ($1.06 Trillion, August 2025 per FINRA) in the stock market by Investors financing purchases.

These are the facts.

The geniuses leading us led to this:

Auditing firm BDO USA has conducted layoffs and suspended non essential travel to cut costs while managing a $1.3 billion ESOP related loan from Apollo Global Management.

Bloomberg reporting cited by Yahoo Finance says the roughly 9 percent interest debt, reduced by 100 basis points after a June 30 refinancing, is pressuring multiple departments including tax, audit, and advisory. BDO declined comment on client matters.

The firm also faces scrutiny from a proposed ESOP class action alleging workers overpaid to join the plan, and reputational fallout from First Brands Group’s bankruptcy after BDO provided a clean audit opinion.

Despite headwinds, a source said the firm remains financially stable and continues to optimize operations. BDO reported $2.89 billion in revenue for the year ended December 31 and in September announced plans to hire more than 1,300 people from HORNE.

BDO USA - Chicago IL

https://finance.yahoo.com/news/bdo-usa-lays-off-employees-100153492.html

With everything that is happening and on the horizon everyone should get out before it’s too late. Gainwell has some serious trouble coming up. Massive debt coming due that they don’t have the funds to pay, looming whistleblower activity, and their lack of ability to manage their finances. They are in serious trouble. Staying employed there is a sure recipe to be out on the street with no job.

Past time to walk away.

Miran - New Fed Trump (Lackey) -

The Democrats should (not) budge, no matter what; leave the U.S. government shut down (Independent here).

The Trump Tax bill should (not) have been passed, which increased the (current, and rising) $37.8 Trillion U.S. National debt by another $3.74 Trillion over a 10-year period.

While taking away Medicare-Medicaid benefits from those that (actually) need them, and providing $600.0 Billion in tax breaks over a 10-year period to the wealthy.

Trump is having to replace the BLS (Bureau of Labor Statistics) chief (again).

They have background issues, and are not going to be confirmed.

FYI - Interest on the U.S. National debt (paid by the U.S. taxpayers) has now surpassed $1.05 Trillion per year (this is the Interest earned by investors financing the U.S. National debt - U.S. and foreign investors like Japan, and China; via long-term 20-30 year U.S. Treasury bonds) per usdebtclock.

No surprise here.

Sadly, Occidental Petroleum's EBIT actually dropped 8.8% in the last year. If earnings continue on that decline then managing that debt will be difficult like delivering hot soup on a unicycle …
https://finance.yahoo.com/news/think-occidental-petroleum-nyse-oxy-120019506.html

I found out last week that the leasing contracts have all been sold off to various companies around the world. Europe was recently sold in the last months and North America was sold a while ago to a company called Peak. All the employees are gone from that group and Xerox doesn't have any equity anymore. We don't own anything anymore, we don't pay our bills even close to on time, if even at all (from what I have heard) and the employees are all disgruntled. On top of all of that, this company has a ton of C level execs for some reason and more high end managers than people that actually do work.
Great job Steve B! What leadership he's displayed running this company into the ground. Thank God the debt machine of Lexmark is here to save us! LOL I so look forward to Kim Kleps BS emails and the fireside chats of nonsense. Steve B getting an award weeks ago is the cherry on top of this sh*tpile.

So after everything settles from this Oxychem sale and the debt reduction is the company better off then if they never would have purchased APC?

I know someone out there will be able to answer this. If we get rid of OxyChem and use the proceeds to pay down debt how does that affect the stock price and market cap. Right now our market cap is appx 44 billion. If we are losing such a large asset does that affect our actual overall worth? I know if the cost per share goes down the market cap does as well, but since we sold such a large asset would it not bring our true value down. Add in the debt and we should have an enterprise value of around 60 billion after debt is paid down.

There, I said it. I’m 55, still in debt, with a family and aging parents. We should all be able to live decent lives, yet we’re under constant pressure just to cover basic survival. And it can all be gone in a second. After nearly 30 years of hard work, I thought I’d have some peace of mind and something to show for it. But nope.

If AT&T had:
Skipped DirecTV & Time Warner
Kept debt $250 B today
→ Same dividend dollars, but 2× per-share payout and higher equity value
This is the opportunity cost of “empire building.”

The acquisitions didn’t create incremental distributable cash; they masked stagnation until the balance sheet cracked.