#finance

https://uk.finance.yahoo.com/news/citi-trims-china-leans-u-135008357.html

Year Net Income* ROCE**
2015 $16,150 7.9
2016 $7,840 3.9
2017 $19,710 9.0
2018 $20,840 9.2
2019 $14,340 6.5
2020 ($22,440) (9.3)
2021 $23,040 10.9
2022 $55,740 24.9
2023 $36,010 15.0
2024 $33,680 12.7
2025 $28,884 9.3

• Reported As Millions Of Dollars
  ** Rate of Return on Capital Employed

Shares of Gemini dropped over 14%. Three senior executives are departing the company. This includes the Chief Operating Officer, Chief Financial Officer, and Chief Legal Officer. These changes are part of a broader restructuring effort. The company also reduced its global workforce by 25% and scaled back foreign operations.

https://coinpaper.com/14699/gemi-stock-forecast-crypto-exchange-gemini-layoffs-trigger-15-decline

Noticed the estimated Lump Sum payout is LOWER for 2026 vs. 2025, which is both alarming and surprising - especially since interest rates declined in 2025 ….. so, I was expecting to see an increase in the Lump Sum amount. Anyone else experience this, and any insight or explanation ??

Just incase anyone was wondering. Payments on this new $405M loan work out to roughly $49,931 PER DAY 365 days per year until march 30th of 2031... and on April 1st 2031 Theres a balloon payment due of just a hair shy of $323,000,000.

OR $69,827 EVERY SINGLE WORKING DAY. $8728/hr... every working hour, for five years.

Oracle spent on Tiktok, Oracle spending on Datacenter. Though this might facilitate Oracle in long run,
its going to definitely affect a lot in the short term.
Revenue ? Employees ?
Waiting on March earnings report

They just borrowed another 475m at an 7.5% interest and a 2% royalty on top!

They call it a joint venture.

ROFL

"Similarly, inside IBM, there are many whistleblowers and some of them come to us directly, others post in online forums. They're sick and tired of their lying CEO and crooked CFO, who seems to be focusing on financial engineering, not technical engineering." https://techrights.org/n/2026/02/17/Resisting_IBM_and_EPO_Corruption.shtml

Mano posted on LinkedIn to announce his exit. What could possibly have been so bad to leave after a year? So many legacy execs have failed miserably and easily remain on the payroll, especially in finance. What happened?

Are we eligible to claim tax relief on pension contributions? Noticed that the deposit into the pot would be numbers from payslip only.

From under $12.8 upto $13.4 today just under 5% in a day. You won't get that in a bank account.

Under $13 is good.

If you were gifted the 6 BNY stocks in 2023, friendly reminder that today is the day they become unrestricted, and the shares are now available to sell. ; )

Latest Morningstar Peer Rankings. Fund manager of the 2020 fund deserves no quarterly bonus and punished by being banned to the dog house. You judge:

100 = worse performance; 50 or Lower number = better performance

Worst Performers

1. MoA Clear Passage 2020 Fund — 100
2. MoA Retirement Income Fund — 97
3. MoA Intermediate Bond Fund — 96
4. MoA Core Bond Fund — 90
5. MoA Conservative Allocation Fund — 76
6. MoA Clear Passage 2025 Fund — 75
7. MoA Clear Passage 2030 Fund — 74
8. MoA Clear Passage 2035 Fund — 72
9. MoA Clear Passage 2050 Fund — 68
10. MoA Mid Cap Value Fund — 67
11. MoA Catholic Values Index Fund — 66
12. MoA Small Cap Value Fund — 65
13. MoA Clear Passage 2040 Fund — 59
14. MoA Equity Index Fund — 57
15. MoA Clear Passage 2055 Fund — 56
16. MoA Clear Passage 2045 Fund — 50
    Mid‑Tier Performers
17. MoA Mid Cap Growth Fund — 46
18. MoA Balanced Fund — 42
19. MoA Clear Passage 2060 Fund — 41
20. MoA Moderate Allocation Fund — 40
21. MoA Clear Passage 2065 Fund — 37
22. MoA Mid Cap Equity Index Fund — 34
23. MoA Small Cap Growth Fund — 34
24. MoA Aggressive Allocation Fund — 32
25. MoA Clear Passage 2070 Fund — 29
26. MoA Small Cap Equity Index Fund — 28
    Best Performers
27. MoA All America Fund — 22
28. MoA International Fund — 15

You cannot imagine how serious the memory crisis is the company is facing right now. The company has for many months act on it but was not taking much action thus lead to the CEO demise. Now the situation is so bad that the company is exploring reconfiguring/resourcing/reusing memories but the impact is near negligible. The problem cannot be solve with throwing more money at it as it is not a money problem. So bad is the situation that the production rate is so low that it's coming to a standstill. Externally the company is totally handicapped by the memory situation, internally they are tightening up so much that it's scrapping every single cents to can save to cushion the financial impact.

Too many weird financial requests for information from 2-3 years ago. Stop telling us "Audit requests" or "forecast" we are not that stupid, since prior fiscal years have already been audited.

With that amount in the account surely they have enough to give raises. Other companies with nothing can give raises. Whats going on?

I don't get it. Are books going to be cooked?

Thoughts? How is everyone feeling about the ACB numbers?

IRA? Credit card debt? Xanax?

What happened to 401k match? It's February and the match is still not in.

Ok.. my understanding is depts such as Hr, finance and IT are vistance networks
So what happens then if Ruckus and aurora networks are both sold off

Centene posted a $6.7 billion in losses across 2025, 1.1 billion dollan loss in Q4
for contect they made 3.3 billion profit in 2024

https://www.fiercehealthcare.com/payers/centene-reports-11b-loss-q4-elevated-medical-costs-continue-strain-finances

Billions lost in stock value but at least the company is pumping out future of finance and the rising star fuel articles like their the nyt

Let’s focus on the future of fiserv.

Between Q3 2025 and Q4 2025, FSB reduced FTE headcounts from 13,221 to 12,824 (379 FTE reduced). However, Salaries and Benefits expense went up from 1.74 billion dollars to 2.32 billion dollars. This does not include bonuses since bonuses are paid out in Q1 2026. Has Bank really spent so much on severances or has Bank hired highly compensated employees while cutting MSRs?

You can look up the numbers by going to FFIEC call report.

Any layoffs in finance coming up?

With the financials under pressure, Akash will look to reduce operating costs. What is his favorite knob to turn?

As I expected. After the recent "pumped and jacked" earnings the stock "popped" but I knew like a balloon in a hole in it it would fritter away. Value trap. Stay away.

Do associate levels get bonus? How about senior associate? Finance

Does any know when will CITI match our 401K 2025 contributions?

Personally, I think MicroFocus was already ruined financially before the acquisition, while OpenText has suffered taking on massive debt and legacy baggage that has stalled any momentum we had previously with Cloud and Cybersecurity.

It absolutely IS bad, no doubt about it. Every year things have gotten worse and worse. But from a numbers standpoint, have we lost any major clients or even mid sized clients? Or are we just doing well since the market is up and most of our fees are asset-based? I moved out of a finance role years ago so I’m really not close to the numbers as I used to be but would anyone closer have more insight?

4am on east coast. Why is check not posted in bank??

Oklahoma City took the biggest hit. Anyone know the numbers?
What other locations were impacted?

Aside from the cash for shares at $8, which only a lunatic would exercise, I would like to test my understanding of the debt instrument exchange.

Am I correct that bondholders can essentially "self-call" their bond, benefiting Xerox by having the obligation to pay interest removed? If yes, what is the value to the bondholder who now holds a variable dividend equity position based on their bond par value in a company that may not recover?

So today a new form was published via the SEC, that explains that every shareholder would get 1 x Warrant pr. 2 x shares they hold on the 9th of Feb.

One warrant allows the holder to purchase 1 x Xerox share for $8 within the next two years.

This part I understand, meaning they are only valuable in this form should our stock increase with 400% over the next 2 years.

The last part is where I’m not sure:
The warrants may be exercised for cash at any time prior to expiration.

What does that mean?

Admittedly, I don’t know much about the stock market or these RSUs. But whenever I log onto the Fidelity app, it shows there’s 6 RSUs to my credit. I thought it was 10 given to us back in 2023. Can someone explain without being a pr--k?

I don't get it, how is Dave Zinsner still CFO at Intel? This guy miss managed Intel Finances for the last 4+ years and yet he is still there! I don't get it. His latest comment is about miss reading (or underestimated) Server demand is just mind blowing.

This guy should of been kicked out back in December 2024, yet he is still here. Is the board filled with a bunch of circus clowns or something!.

Desperate times call for desperate measures. The dividend has got to go. It's only $13m a year, but XRX needs the $$ to pay interest. XRX should have fully eliminated the dividend when Carl left. Also, how stupid would it be to issue more shares without cutting out the dividend. XRX must go into serious cash preservation mode.

Oregon City Schools will hold a special meeting. The meeting is scheduled for Monday. Its purpose is to discuss district finances. Other regional school districts also face budget issues. State officials acknowledge education funding is a key topic.

https://www.13abc.com/2026/01/24/oregon-schools-set-special-meeting-district-finances/?outputType=amp