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Market Shift: From Crude to Lithium
ExxonMobil is officially turning the legendary Smackover Formation into a lithium engine. With a 2027 start date, the project is expected to generate $27M in annual profit by processing 165,000 barrels of brine daily.
Source: https://lnkd.in/gitnnp6k
What's the most likely outcome ? Just a content only company ? Bought by PE? A collapse ?
$108 was considered the highest possible outcome by analysts.
Have to imagine this ~$100 range won’t last past earnings.
I told you, target price in next 2 months is $60.
Is it just me, or are bonuses and raises well below market?
over crowded tech job seeker market -large scale let go of seniors in India (40+age) started(forced to resign) - target 20000 heads. Many techies abandoning tech career path altogether to start something more predictable and worth learning
Any updates on this topic? Also, are there any hints about potential buyers?! saw the earnings - ADM performed quite well.
Wait for the email. Stock now in the $8s, thats 1/3 of what it was when he came in, the market has lost all confidence in him.
They are just sorting out the replacement, he will be sending the more family time email to your inbox.
Fiserv (FISV): Historical Performance & The Last 6 Years
The Pre-2019 Track Record: Steady, Boring, Brilliant
Fiserv's reputation before 2019 was that of a predictable compounder — a back-office financial technology company delivering 4–5% organic revenue growth and 10–15% EPS growth annually for decades. Its 20-year total return is 462%, which is impressive precisely because it was built brick by brick, not in bursts. Think of it as a toll booth on the financial system — unglamorous, mission-critical, and quietly profitable. Banks couldn't easily rip out Fiserv's core processing systems, which meant sticky, recurring revenue. FinanceCharts
2019: The Big Bet — First Data Acquisition
The first major anomaly arrived in 2019 when Fiserv made a transformative, and very controversial, move. Fiserv agreed to acquire First Data Corporation in an all-stock transaction valued at approximately $22 billion, receiving a fixed exchange ratio of 0.303 Fiserv shares per First Data share — a 29% premium at announcement. This essentially doubled Fiserv's size overnight, brought in the Clover point-of-sale platform, and shifted the company from a pure B2B infrastructure player into merchant-facing commerce territory. sec
The integration hangover was real. The deal loaded the company with debt, complicated its story for investors, and blurred what had been a very clean investment thesis. Even heading into 2019, pre-deal Fiserv expected only 4.5–5% internal revenue growth and 10–14% adjusted EPS growth — solid but modest. Post-deal, Wall Street had to recalibrate entirely. sec
2020–2022: Pandemic Noise, Integration Grind
The stock performed reasonably through COVID but never rerated meaningfully higher. The market was skeptical about whether the First Data integration was actually working. The total return for 2022 was -2.62% — essentially flat in a bad market year, reflecting investor uncertainty rather than confidence. Organic growth guidance was generally met, but the stock traded at a discount to peers. FinanceCharts
The Exchange Saga: Nasdaq → NYSE → Nasdaq
This is one of the stranger corporate optics stories in recent fintech history, and it happened in two acts:
Act 1 — June 2023: Going to NYSE
On June 6, 2023, Fiserv switched its stock listing from Nasdaq to the New York Stock Exchange and changed its ticker symbol from FISV to FI. CEO Frank Bisignano framed it as a prestige move — aligning with blue-chip peers, signaling fintech leadership. Bisignano said the decision was meant to signal the company's "leadership position in fintech." The stock was performing well at the time, and it looked like a victory lap. WikipediaFiserv, Inc.
Act 2 — November 2025: Back to Nasdaq
Then came the embarrassing reversal. On November 11, 2025, after over two years on the NYSE under the symbol FI, Fiserv switched its listing back to the Nasdaq Global Select Market and changed its ticker symbol back to FISV. The rationale was framed around closer alignment with Nasdaq's technology-focused investor base, but the timing was telling — it coincided almost exactly with the launch of the "One Fiserv" restructuring plan and a significant guidance cut. The return to FISV was, in many ways, a retreat to familiar territory at a moment of operational stress. WikipediaThe New York Report
2023–2024: The Peak and the Problem
2023 delivered a 31.43% total return, and 2024 was even stronger at 54.64%. The stock hit an all-time high. Fiserv's all-time high closing price was $237.79 on March 3, 2025. Clover was gaining momentum, and the market finally appeared to believe the post-First Data story. FinanceChartsMacroTrends
Then it fell apart quickly.
2025–2026: The Crash and the Reset
The total return for 2025 was -67.30% — a stunning collapse from that March peak. The causes were layered: guidance cuts, slowing organic growth, heavy investment spend, and macro uncertainty around consumer spending at small businesses. By Q3 2025, Fiserv had cut its organic revenue growth outlook to just 3.5–4% and adjusted EPS guidance to $8.50–$8.60 for the year — a dramatic reduction from earlier targets. Alongside those Q3 results, Fiserv launched the "One Fiserv" action plan to prioritize and enhance client focus. FinanceCharts + 2
As of late April 2026, the stock was around $62.65 — down roughly 74% from its all-time high. That's an extraordinary compression for a company with $21 billion in revenue and positive cash flow. MacroTrends
Can the Old Growth Track Record Return?
This is the heart of the debate, and the honest answer is: probably not in the same form, but the underlying business is arguably stronger — if execution improves.
Here's why the old model is unlikely to simply resume:
The pre-2019 Fiserv was a smaller, simpler machine. Squeezing 4–5% organic growth out of bank processing contracts was repeatable and predictable. Today's Fiserv is a merchant-facing platform business competing with Square, Toast, Stripe, and global acquirers — a fundamentally more volatile, competitive environment.
Here's the bull case for why growth could re-accelerate:
Clover's value-added services reached 27% of revenue in Q4 2025, up 5 points year-over-year, and management targets Clover GPV growth of 10–15% in 2026. The thesis is that Clover becomes what Square/Block tried to be — a full small business operating system, not just a payment terminal. Analysts point to Clover's 25% value-added services penetration with a path to 35–40%+ as a high-margin compounding engine the market may be underweighting. TIKRSimply Wall St
Financial Solutions core banking and debit processing carry near-irreplaceable switching costs, meaning client defection risk is structurally low. Simply Wall St
And the valuation math has shifted sharply. At roughly 10–11x 2026 adjusted EPS, the stock appears to price in essentially no recovery from the guided trough — any normalization toward higher adjusted margins in 2027–28 could create meaningful upside. The average analyst rating remains "Buy," with a 12-month price target around $127.53. Simply Wall StStockAnalysis
Bottom Line
The historical slow-and-steady compounder version of Fiserv is effectively gone — that company no longer exists in its original form after the First Data merger. What remains is a larger, messier, higher-potential but higher-risk entity trying to prove it can be both a reliable financial infrastructure provider and a growth platform business. The exchange round-trip (Nasdaq → NYSE → Nasdaq) is a reasonable metaphor for that identity confusion: it was a company that briefly thought it had arrived, then had to acknowledge it still had significant work to do.
Whether it can rerate from here depends heavily on Clover's execution, the success of "One Fiserv," and whether the payments sector recovers investor confidence. The fundamentals — cash flow, sticky clients, market position — are intact. The credibility with investors, after two years of guidance misses, is not.
https://www.barrons.com/articles/intel-moved-from-laggard-to-leader-where-chart-is-heading-e4997799
That Oxy stock was on the way up. Down 6% in early morning trading..$55... If the stock drops back into the $40's again, you are waist deep in alligators. Aunt Vickie isn't here to look after you.
Coinbase announced it will cut approximately 700 jobs. This represents about 14% of its global workforce. The company cites crypto market volatility and cost reduction as reasons. It also aims to reposition the business for the artificial intelligence era. These restructuring efforts are expected to incur $50 million to $60 million in charges.
https://www.reuters.com/business/world-at-work/coinbase-cut-about-14-workforce-2026-05-05/
Watching Marketbeat trying to prop up Humana’s stock with suggestions of financial analyst’s optimism is hilarious!
They might as well shout out at the top of their lungs “BUY HUMANA STOCK! BUY HUMANA STOCK! WE NEED YOU TO BUY HUMANA STOCK!” Lol.
It is like an unpopular kid screaming, “PLEASE PLAY WITH ME! LOVE ME!!! OR ELSE I AM GOING TO TAKE MY TOYS HOME!”
Why can’t Humana just stand on reputation that is based on providing good customer service?! Why must they rely on manipulating shareholders through media and financial pundit sentiment?! Rather pathetic.
FreshRealm, a Blue Apron supplier, filed for bankruptcy this week. The company is laying off over 1,000 employees nationwide. This follows listeria-related product recalls last year. Walmart ended its customer relationship after the outbreak. Misfits Market will now take over Blue Apron production.
Lancaster, Texas
https://www.dallasnews.com/business/jobs/article/blue-apron-supplier-files-bankruptcy-starts-22234390.php
What does this mean? TBH doesn't seem like a bad idea if they want to avoid market volatility for now.
Ok, what is actually happening with GFS price. Is it organic in any way or is it merely resultant of including Apple in recent headlines?
Those of you involved inESPP as well as those receiving RSU should be very interested in the answer.
So what does this mean?
Alphabet (GOOG) (5-Year Total Return): Approximately 194% to 199%. A $1,000 investment five years ago would be worth roughly $2,900–$3,000 today.
Wells Fargo (WFC) (5-Year Total Return): Approximately 121% to 236% based on recent, conflicting data reports. While WFC has seen a recent 40% rally in the past year, its total 5-year return has generally trailed the rapid growth of Alphabet.
Hearing retail is going to 7 markets. do you think midmarket territory follow? the platinum team is already at 6 or 7 avps.
yes I know 66666667777777777
What is your guess of the stock price at the close on 4/30/26?
My guess: $1.06
I know that is crazy on a percentage basis, but we're at the end now.
Why are CRG branch and market managers celebrating Finet recruits? Are they combining?
The northeast is back to the unnecessary, make the managers super uncomfortable and feel like cr*p market reviews aka “ops review”. Make them stand up in front of people like they’re back in middle school doing a project and go over all their numbers and missed opportunities . Absolutely asinine and I see how much my store manager is stressed now about it and it’s 2 months away. My manager is asking “can store managers join the union.” Better yet maybe me and my fellow reps should to cause the uppers who are bringing back this stupid practice of market reviews upset and put some heat on them.. hmm..
at least 'the other' company in OR is doing well
Nike's profit will skyrocket, Guaranteed! Replace all decision makers with a chatbot. No more consultants or consulting companies. Distribute profits to workers and investors.
We’re losing too many good people, especially leaders at the higher levels.
The people who are smart, capable, and marketable are finding other opportunities and leaving. The problem is that these roles are not being backfilled because leadership still believes we are “fat” or redundant. In reality, much of the redundancy is not where the strongest performers are.
So what happens? The remaining high performers absorb the work. More scope, more pressure, fewer experienced people, and no real plan to replace the talent walking out the door.
This is not sustainable. We are heading toward another wave of departures, and once that happens, the damage may not be fixable. Institutional knowledge is leaving. Strong leaders are leaving. The people who can carry the company through uncertainty are leaving.
At some point, this stops being “right-sizing” and becomes self-inflicted damage.
Down 3%
Sold a 1.1B per year business for 1.4B … aka gave it away.
Market loves that deal.
The market is rough if your skills aren't current. That's just the truth.
Central Garden & Pet will close its Henrico facility. This closure will result in 94 employee layoffs. Operations are consolidating to an existing New Jersey facility. The company cited increased competition and market pressures. The wind-down process is expected to finalize by June 30.
Henrico, Virginia
https://richmondbizsense.com/2026/04/16/homegrown-pet-treat-brand-best-bully-sticks-closing-henrico-facility-laying-off-dozens/
Definitely a better close to the week with the stock over last week and many weeks before.
They say it's all smoke and mirrors though.
Up almost $10 from lows in less than a month. Is there a reason or just random?
Why is it above 60s now ?
Stock is up 10% for the year but down a bunch after the 2025 reporting spike. If the market doesn't like Q1 I can't see how he's around by the end of the year.
Down 12% in two weeks.
But yeah… everything is fine. Just need a few more badge swipes and maybe another “collaboration zone” and we should be good.
Market must’ve missed the memo about culture being built in the office.
In the past 5 days FIS is down 5% and the Nasdaq is up 4.5%.
Halliburton has recently been cutting staff again. Sources indicate these reductions are due to increasing costs and lower crude oil prices. Some workforce reductions occurred over the past several weeks. Three business divisions reportedly lost between 20% and 40% of their employees. Halliburton did not respond or comment on these claims.
https://www.southwestledger.news/news/halliburton-cutting-its-workforce-again