Author Archives: RJ Hamster

I was born on 6 August 1956 in San Francisco, California to Janet and (the late) Richard Hovis. I grew up in Santa Monica, California where I attended elementary, junior high school, and high school (graduating in 1974), in addition to involvement in sports and recreation (Little League +, the Boy’s Club ++). Further, it was in elementary school – St. Augustine’s By-the -Sea Parish School that I found, and made the choice to truly journey with God. I attended Arizona State University from 1974 to 1977 – seeking to become an architect, however, I was not accepted, and, as such, I graduated with a Liberal Arts degree. Upon graduation from Arizona State University, I attended Cal Poly San Luis Obispo and studied City and Regional Planning at the Master’s level. I successfully completed one (1) year in a two (2) year program – I did not complete the Master’s degree in City and Regional Planning – due to personal reasons. I returned to Santa Monica where I started (October 1979) my career as graphic designer with Exxon Company, USA. I spent five years with Exxon Company, USA. While working with Exxon Company, USA I was accepted into architectural school – Sci-Arc in Southern California, however, I did not attend preferring to stay with Exxon.. In 1982 I married Laura Flosi and in April 1983 we had our one and only child – Lauren Alain Hovis – a gift from God. We moved to Phoenix, Arizona in 1984 from Los Angeles, where I went to work as a graphic designer with Kitchell CEM (from 1985 -1987). From 1987 – 1995 I was an independent contractor, and a registered representative in mortgage finance, financial management, graphic design, and drafting. Further, I attended the University of Phoenix and successfully obtained a Master’s in Business Administration (MBA) in 1982. I was also a member of the Scottsdale Jaycees, where I became very involved in community events and projects. In 1994, I accepted a cartography position with the Defense Mapping Agency in Reston, Virginia. As such, I relocated from Phoenix to Reston. In 1998, I was accepted and worked as a Visual Information Officer with the Central Intelligence Agency. In 2002, I worked as a Support Officer until my retirement (due to a need for shoulder surgery) in September 2018. Away from my Federal Government service, I have been involved in various organizations and activities in Northern Virginia. In November of 2011, I married Rebecca Ouellette in Santa Monica, California. I reside in San Tan Valley, AZ with my two hamster - Jess and Timothy, our fish, our lizard - RJ Lizard., and our cats - Pearl and Grey. As to hobbies, I enjoy playing sports, attending sporting events, mentoring individuals from financial management to hamsters, building models, photography, travel, multimedia design, managing partner for RJ Hamster, and jazz – smooth jazz to a samba or a bossa nova. Love and God Bless, Peter – aka RJ Hamster Jo hi

Market Tell — Weekly Intelligence

April 12, 2026

Dio Pouerie & Bo Nichols

MARKET TELL – WEEKLY INTELLIGENCE

Powered by the TQ Intelligence System

Institutional tools, refinement, and analysis for traders who refuse to stay reactive.
Transcripts, filings, insider clusters, and options flow, distilled into a single weekly signal map. This is what it looks like to treat your portfolio like a responsibility, not a hobby.

Welcome to Market Tell.

This letter maps institutional capital behavior, CEO sentiment, and options market positioning into a single weekly signal framework, the kind of information that usually requires multiple paid tools and hours of synthesis to assemble. No recommendations. No predictions. Just the data, distilled.

Read in sequence. Leadership intent sets context. Capital behavior confirms conviction. Options markets reveal where expectations are concentrating. The Alpha Engine narrows focus. The Weekly Signal aligns your posture for the week ahead.

S&P LEADERSHIP SIGNALS

What CEOs Are Signaling Before Price Reacts

CEO tone shifted this week. The confidence that defined most of the past earnings season is giving way to something more cautious. Executives are talking more openly about cost pressure, supply chain issues, and inflation. The message is not panic. It is adjustment. Companies are pulling back on growth plans and focusing on protecting margins instead.

Q1 reporting kicks off in earnest next week. This week’s signals are a preview of the themes likely to run through the season.

PREMIER FEATURE

This AI Stock Just Had Its Biggest Jump in 20 Years

Eric Fry was one of the first to say “Sell Nvidia.” Instead, he pointed to a little-known AI hardware company with almost no competition.

While Nvidia’s customers turn into rivals, hyperscalers are fighting to buy more from this firm — not replace it.

This week? A historic $6B deal and the biggest surge in two decades .

And Fry says this may only be the beginning.

Get the full story here.

🟢 GREEN LIGHTS

No companies presented notably constructive signals this week.

🚩 RED FLAGS

Where Leadership Tone Diverges From Consensus

DAL (Delta Air Lines) Delta’s management delivered the most cautious message of the week. The trigger is jet fuel costs, which executives called “unprecedented.” That price spike is expected to create a significant financial headwind. Delta is also dealing with internal reliability issues. To protect margins, the company is cutting capacity in a meaningful way. This is a sharp turn from the tone Delta was striking just a quarter ago.

THE LEADERSHIP INDEX

The CEO Sentiment Trend

The main takeaway this week is simple: the macro environment is starting to show up in what CEOs say out loud. Fuel costs, supply chains, and inflation are no longer background noise. They are front and center in planning conversations. Companies are shifting focus from growth to protection. That is a meaningful change in posture heading into a busy reporting period.

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Leadership intent sets the tone. Capital behavior confirms whether conviction follows.

SMART MONEY BRIEF

How Institutions and Insiders Are Positioning

Buying was broad this week. It showed up in consumer defensive names, communication services, and technology. Several companies saw clusters of insider purchases — meaning multiple executives bought shares around the same time. That kind of coordinated buying tends to carry more weight than a single transaction. Selling was more concentrated and limited to a small number of names.

ACCUMULATION & DISTRIBUTION

Where Smart Money Is Buying

LW (Lamb Weston Holdings): Hedge fund accumulation from JANA Partners, alongside insider buying. The combination of institutional and insider conviction in the same name is a clean signal.
POOL (Pool Corporation): A single large insider purchase from a senior executive. The size of the transaction stands out.
ACN (Accenture): A broad cluster of insider purchases from multiple executives. This is the second time in recent weeks that Accenture has shown this pattern.
BR (Broadridge Financial Solutions):Wide participation from company insiders across the executive team. Breadth of buying within a single company is a notable feature of the week.
NWS (News Corporation): A large cluster of insider purchases from multiple individuals.
VZ (Verizon): Several executives and directors bought shares on the same day.

Where Smart Money Is Selling

WDAY (Workday): Multiple insiders reduced their stakes. At the same time, a new activist position was filed in the name. Insider selling and activist entry in the same name creates a split signal worth watching.
HSY (Hershey): Consistent selling by the Hershey Trust, which is the controlling shareholder. This type of selling is structural rather than reactive and should be read in that context.

CAPITAL REGIME CHECK

How Capital Behavior Aligns with the Broader Market

The sector tape is shifting. Energy still leads year to date at plus 27 percent, but its one-month return has turned negative at minus 3.9 percent. That is a notable change from the sustained momentum Energy has shown across every horizon in recent months.

The recovery in Technology is the most important new data point in the sector table. Technology is now down less than 1 percent year to date and up nearly 5 percent over the past month. That one-month move is the strongest of any sector. It is too early to call it a trend, but it is a meaningful shift from the consistent weakness Technology showed across earlier timeframes.

Industrials and Utilities are both solidly positive year to date and over one month. Materials have continued to build. Real Estate has quietly turned positive across multiple horizons.

Financials and Health Care remain under pressure year to date, though both have shown positive one-month returns. Consumer Discretionary is recovering over one month but still down more than 5 percent year to date.

The insider buying this week concentrated in Technology and Communication Services. That aligns with the one-month recovery in Technology and raises the question of whether institutional behavior is beginning to front-run a broader sector shift.

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With positioning established, the next question is how the market is pricing uncertainty.

VOLATILITY SIGNALS

How Risk Is Being Priced

What Options Markets Imply About Future Movement

Cheap volatility this week: AMCR is at the 5th percentile, SPG at 5th, CINF at 6th, and CSX at 8th. WBD continues to appear near the bottom of its historical volatility range, now for several consecutive weeks, while large put positions remain outstanding in the name.

Expensive volatility: ADP, FICO, CSGP, FDS, and NOW all at the 100th percentile of their historical ranges. Multiple names at maximum implied volatility readings signal that options markets are pricing significant event risk in a focused set of companies.

ASYMMETRIC BETS

Unusual Options Activity Worth Watching

INTC (Intel)

A new June 2026 call position at the $70 strike crossed 50,650 contracts of open interest this week, with volume of 3,911 contracts indicating active participation. The $70 strike sits well above current trading levels. Large out-of-the-money call positions with a defined near-term expiration reflect a specific directional bet rather than a hedging structure. This is the most concentrated single options signal of the week.

When intent, capital, and pricing align, the signal quality improves materially.

HIGH-CONVICTION SIGNALS

Outputs from the TQ Alpha Engine

No signals met the threshold for inclusion this week. Earnings reports were too limited in number to produce the multi-channel convergence the Alpha Engine requires. That changes next week. Q1 reporting begins in earnest and the signal volume should increase significantly.

FROM OUR SPONSORS

AI CEO Issues Code Red: Prepare for Meltdown

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Warning his employees that they’re dealing with a critical situation.

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BIG MOVE WATCHLIST

High-Probability Strike Zones

These equities screen with historically elevated probabilities of reaching a defined upside or downside target. The edge is statistical resolution, not directional certainty.

NVO (Novo Nordisk)

Overall Strike Rate: 78.1% Upside Target: $40.10 Downside Target: $34.94

NVO screens at a high resolution probability within Health Care, a sector that remains under pressure year to date but has shown a positive one-month return. The statistical setup reflects elevated odds of a decisive move rather than continued range-bound trading. Catalysts to watch: GLP-1 drug demand updates, pricing and reimbursement developments, pipeline news, and broader sector rotation into or out of Health Care.

MSFT (Microsoft)

Overall Strike Rate: 74.1% Upside Target: $387.03 Downside Target: $354.71

MSFT screens in the high-probability range within a Technology sector that has shown the strongest one-month recovery of any sector this week. Q1 earnings are due in the coming weeks and will be the primary catalyst for resolution. Catalysts to watch: Q1 earnings results, Azure cloud growth, AI adoption metrics, and any commentary on capital spending plans.

THE WEEKLY SIGNAL

The April 12 signal map reflects a market in early-stage transition.

Leadership tone moved in a clear direction this week. Executives are talking about cost pressure and macro headwinds more openly than they were. The absence of any green light signals is not a common feature of this letter. It reflects the data. Q1 earnings season starts next week and will quickly confirm or challenge whether this shift in tone is isolated or broad.

The sector tape is sending its own signal. Energy’s one-month pullback is notable after sustained dominance. Technology’s one-month recovery is the strongest in the market. Neither move is conclusive on its own, but the combination suggests capital is beginning to rotate. The insider buying this week concentrated in Technology and Communication Services, which aligns with that reading.

The INTC options signal is the most specific data point of the week. A large new out-of-the-money call position established with active volume and a defined near-term expiration is a concrete expression of directional conviction. It does not come with a thesis attached. It comes with size and commitment.

The WDAY split signal, activist entry alongside insider selling, is worth tracking as earnings approach. Activist involvement tends to introduce an external variable that changes the setup.

Enter the week knowing that leadership tone has shifted, the sector tape is moving, and options markets are placing specific bets in a small number of names.

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Just For You

With Nike Shares Near a 12-Year Low, Is Now the Time to Be Brave?

Submitted by . First Published: 4/12/2026.

Key Points

Nike has fallen 75% since 2021 and now trades at 2014 levels, with sentiment deeply negative after weak guidance and slowing growth.
The stock is extremely oversold with an RSI of 24, while analysts are calling for up to 130% upside from current levels.
Despite the collapse, valuation is not cheap, and the turnaround still needs to be proven, making this a high-risk, high-reward setup.
Special Report: Elon Musk’s $1 Quadrillion AI IPO

As recently highlighted, Nike Inc (NYSE: NKE) has become one of the most beaten-down names in the market. Shares trade around $45 — levels last seen in 2014 — and are down roughly 75% from their 2021 highs. This multi-month slide has worsened recently: the stock has fallen about 30% to fresh lows since the end of February alone.

That decline reflects a loss of investor confidence. The latest earnings report at the end of March reinforced that shift, with soft guidance and continued weakness in China adding to the pressure.

Now that the earnings band-aid has been ripped off, the question is whether the pessimism has gone too far. With shares near a 12-year low, is the risk/reward profile starting to look attractive? Let’s take a closer look.

A Multi-Year Decline Driven by Weakening Growth

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Nike’s decline stems from several issues compounding over time rather than a single misstep. Revenue growth has slowed, particularly in key international markets that were previously reliable expansion drivers.

Margins have also been squeezed by discounting, higher costs, and ongoing efforts to clear excess inventory.

There is a growing sense that Nike has lost some of its competitive edge. Newer brands have gained traction, consumer preferences have shifted, and the company has struggled to maintain the cultural relevance that once set it apart. Those pressures have made it harder to defend pricing power and a premium positioning.

Perhaps most damaging has been the loss of investor confidence. The recent earnings report, which included weaker-than-expected guidance, reinforced concerns that any turnaround will take much longer than initially expected. As a result, the market has continued to price in further uncertainty rather than a near-term recovery.

The Bullish Camp Is Getting Louder

Despite the bleak backdrop, there are early signs the selloff may be overdone. From a technical perspective, the stock is heavily oversold: a relative strength index reading in the 20s indicates extreme conditions. That doesn’t guarantee a reversal, but it suggests the potential for near-term downside may be limited.

Analyst sentiment has also tilted more positive. Firms such as Evercore, Jefferies, and DZ Bank have reiterated Buy or equivalent ratings on Nike this month, with refreshed price targets as high as $100. From current levels, that implies roughly 130% upside, even in the face of management’s cautious guidance.

That divergence matters because it signals expectations may now be low enough for modest improvements to have an outsized impact. If Nike can stabilize revenue and begin improving margins in the coming quarters, the market could start to reprice the stock higher.

The Valuation and Execution Challenge

For all the potential upside, risks remain significant—chief among them valuation. Even after a 75% decline, Nike is still trading at a price-to-earnings (P/E) ratio near 28, which is not cheap given the business challenges. By comparison, another beaten-down athleisure name, Lululemon Athletica Inc (NASDAQ: LULU), trades at a P/E around 12.

There are also real operational hurdles. Continued weakness in China, intense competitive pressure, and the time required to rebuild margins mean recovery is unlikely to occur in a single quarter. Investors may need patience.

That combination makes the setup tricky. The stock can look attractive technically after such a steep decline, but the underlying business still must demonstrate consistent improvement. Without that evidence, further downside through the rest of 2026 can’t be ruled out.

Investors considering a position will need a high risk tolerance. With the stock at fresh lows, things could get worse before they get better. For those willing to stomach the volatility, Nike should remain near the top of your watchlist — the risk/reward is beginning to favor the bulls.

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Special Report

3 Surprising S&P 500 Outperformers of 2026

By Ryan Hasson. Published: 4/12/2026.

Key Points

LyondellBasell, APA Corporation, and Valero Energy rank 11th, 14th, and 25th among the S&P 500’s top-performers on the year, while the index sits close to flat.
All three have been driven by the same catalyst: the U.S. and Israel’s conflict with Iran, which sent oil prices surging.
After their stellar runs, all three have pulled back sharply this week following ceasefire news, potentially offering investors a fresh entry point within each stock’s broader uptrend.
Special Report: Elon’s “Hidden” Company

In recent years, when investors have considered market outperformance, many of the usual suspects have likely come to mind, such as AI stocks, semiconductor names, and mega-cap technology. That has been the story for much of the past few years. But 2026 has produced something different so far: many of the S&P 500’s strongest performers year to date are not tech companies. Three names in particular stand out — a refiner, a petrochemical giant, and an oil producer. Valero Energy (NYSE: VLO), LyondellBasell (NYSE: LYB), and APA Corporation (NASDAQ: APA) rank 25th, 11th, and 14th among S&P 500 performers year to date.

The common thread is the geopolitical shock triggered by the U.S. and Israel’s conflict with Iran in late February, which sent oil prices surging and disrupted global supply chains. After a stellar run, all three have pulled back significantly, potentially offering investors fresh momentum entry points.

Valero Energy: The Refiner Built for This Moment

The 200-to-1 Gold Default hits May 29th (Ad)

There are currently 200 paper claims for every 1 physical ounce of gold in the vaults – and a 90-year-old law set to ‘call the bluff’ on May 29th.

Valero Energy is one of the largest independent petroleum refiners and fuel producers in the world. The company operates across refining, renewable fuels, ethanol production and an extensive logistics network.

Refiners have historically been overlooked in favor of producers and explorers higher up the energy supply chain. But in 2026, refinershave been among the market’s most powerful trades, and Valero has led the way with nearly a 44% year-to-date gain, ranking as the 25th best-performing stock in the S&P 500.

The Iran conflict has been the primary catalyst. Disruptions to oil flows through the Strait of Hormuz tightened global refining capacity, pushing crack spreads higher and improving the economics for U.S.-based refiners like Valero that source feedstock domestically. The company had already demonstrated its earnings power before the geopolitical tailwind arrived. In Q4 2025, Valero posted earnings per share of $3.82, beating the consensus estimate of $3.27 by $0.55. Earnings are expected to grow nearly 32% in the coming year, to $10.45 per share. Institutional ownership stands at nearly 79% after significant inflows over the prior 12 months. The stock carries a 2% dividend yield. For investors looking to gain exposure to the refining giant, the recent 9% pullback from its 52-week high might offer a compelling opportunity if the uptrend holds.

LyondellBasell: The Petrochemical Winner Nobody Saw Coming

LyondellBasell is a global chemical company specializing in polyolefins and advanced polymers. Coming into 2026, the stock had fallen significantly in 2025 amid a prolonged industry downturn and negative earnings, so it was not on most investors’ radars. Yet it has surged nearly 66% year to date, ranking as the 11th-best-performing stock in the S&P 500.

With the conflict disrupting oil flows through the Strait of Hormuz, input costs have sharply risen for international petrochemical producers that rely on oil-based naphtha cracking. LYB, which uses low-cost North American natural gas liquids as feedstock, suddenly found itself with a significant competitive advantage.

Earnings for the company are expected to grow 26.15% in the coming year, from $6.31 to $7.96 per share, as the company targets over $1 billion in cost savings by year-end. The cease-fire announcement earlier this week prompted profit-taking, sending the stock down almost 6%. If the stock confirms a higher low within the uptrend, this pullback could be a compelling momentum entry in one of the S&P 500’s top performers this year.

APA Corporation: The Oil Producer Quietly Delivering

APA Corporation is an independent oil and gas exploration and production company with operations in the Permian Basin, Egypt and the North Sea. Like LYB, it was not generating significant buzz at the start of the year, but its almost 60% gain year to date has made it the 14th-best-performing S&P 500 stock. The move has been driven by surging oil prices and operational improvements that have largely flown under the radar.

APA delivered over $1 billion in free cash flowin 2025 despite declining oil prices, cut annual costs by $300 million and maintained flat production levels.

In its most recent earnings report, the company posted earnings per share of $0.91, beating the consensus estimate by $0.29. Like the two names above, it recently pulled back in the week following the decline in oil prices after the cease-fire announcement.

That pullback — especially for investors who believe that the supply-chain disruptions will not be solved overnight — could provide a useful entry point. The April 8 low of almost $35 would need to hold for the stock to confirm a higher low within its uptrend and keep its year-to-date momentum intact.

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Market Tell — Weekly Intelligence

April 12, 2026

Bo Nichols & Dio Pouerie Financial Market News

MARKET TELL – WEEKLY INTELLIGENCE

Powered by the TQ Intelligence System

Welcome to Market Tell.

S&P LEADERSHIP SIGNALS

What CEOs Are Signaling Before Price Reacts

Q1 reporting kicks off in earnest next week. This week’s signals are a preview of the themes likely to run through the season.

PREMIER FEATURE

The REAL Reason Trump Is Invading Iran

For a moment…

Forget about Trump’s ties to Israel.

Forget about reports of Iran’s nuclear program.

Because my research has led me to believe we’re risking World War 3 with Iran for a completely different reason.

Click here to find out what it is.

If you have even a single dollar invested in the U.S. stock market, this is going to directly impact you.

Discover the reason here.

🟢 GREEN LIGHTS

Where Executive Confidence Is Accelerating

No companies presented notably constructive signals this week.

🚩 RED FLAGS

Where Leadership Tone Diverges From Consensus

DAL (Delta Air Lines) Delta’s management delivered the most cautious message of the week. The trigger is jet fuel costs, which executives called “unprecedented.” That price spike is expected to create a significant financial headwind. Delta is also dealing with internal reliability issues. To protect margins, the company is cutting capacity in a meaningful way. This is a sharp turn from the tone Delta was striking just a quarter ago.

THE LEADERSHIP INDEX

The CEO Sentiment Trend

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Leadership intent sets the tone. Capital behavior confirms whether conviction follows.

SMART MONEY BRIEF

How Institutions and Insiders Are Positioning

ACCUMULATION & DISTRIBUTION

Where Smart Money Is Buying

LW (Lamb Weston Holdings): Hedge fund accumulation from JANA Partners, alongside insider buying. The combination of institutional and insider conviction in the same name is a clean signal.
POOL (Pool Corporation): A single large insider purchase from a senior executive. The size of the transaction stands out.
ACN (Accenture): A broad cluster of insider purchases from multiple executives. This is the second time in recent weeks that Accenture has shown this pattern.
BR (Broadridge Financial Solutions):Wide participation from company insiders across the executive team. Breadth of buying within a single company is a notable feature of the week.
NWS (News Corporation): A large cluster of insider purchases from multiple individuals.
VZ (Verizon): Several executives and directors bought shares on the same day.

Where Smart Money Is Selling

WDAY (Workday): Multiple insiders reduced their stakes. At the same time, a new activist position was filed in the name. Insider selling and activist entry in the same name creates a split signal worth watching.
HSY (Hershey): Consistent selling by the Hershey Trust, which is the controlling shareholder. This type of selling is structural rather than reactive and should be read in that context.

CAPITAL REGIME CHECK

How Capital Behavior Aligns with the Broader Market

Industrials and Utilities are both solidly positive year to date and over one month. Materials have continued to build. Real Estate has quietly turned positive across multiple horizons.

FROM OUR SPONSORS

America’s Top Billionaires Quietly Backed This Startup

When billionaires like Jeff Bezos and Bill Gates back an emerging technology, it’s worth paying attention.

That’s exactly what’s happening with a little-known company founded by an ex-Google visionary. Alexander Green calls it “one of the most overlooked opportunities in AI right now” — and he’s even an investor himself.

He’s now sharing the full story, including why early investors are watching closely and why he believes widespread adoption could be just one announcement away.

Get the full rundown here.

With positioning established, the next question is how the market is pricing uncertainty.

VOLATILITY SIGNALS

How Risk Is Being Priced

What Options Markets Imply About Future Movement

ASYMMETRIC BETS

Unusual Options Activity Worth Watching

INTC (Intel)

When intent, capital, and pricing align, the signal quality improves materially.

HIGH-CONVICTION SIGNALS

Outputs from the TQ Alpha Engine

FROM OUR SPONSORS

ICE. The Epstein Files. Tariffs.

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BIG MOVE WATCHLIST

High-Probability Strike Zones

These equities screen with historically elevated probabilities of reaching a defined upside or downside target. The edge is statistical resolution, not directional certainty.

NVO (Novo Nordisk)

Overall Strike Rate: 78.1% Upside Target: $40.10 Downside Target: $34.94

MSFT (Microsoft)

Overall Strike Rate: 74.1% Upside Target: $387.03 Downside Target: $354.71

THE WEEKLY SIGNAL

The April 12 signal map reflects a market in early-stage transition.

The WDAY split signal, activist entry alongside insider selling, is worth tracking as earnings approach. Activist involvement tends to introduce an external variable that changes the setup.

Enter the week knowing that leadership tone has shifted, the sector tape is moving, and options markets are placing specific bets in a small number of names.

Update your email preferences or unsubscribe here

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Apopka, FL 32703, United StatesTerms of Service

20 Stocks to Sell Now

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Hello –

Today, we’re inviting you to take a free look at MarketBeat’s proprietary, up-to-the-minute list of 20 stocks that Wall Street’s top-rated analysts hate.

These aren’t mild downgrades or lukewarm opinions.
These are true Strong Sell stocks.

Some of them may look fine on the surface. A few even have what appear to be solid fundamentals. But when analysts issue a rare Sell rating, it’s usually because something beneath the surface is deeply wrong.

Sell-side analysts may not nail every Buy call… but when they raise red flags, they’re almost always worth listening to.

If any of these stocks are lurking around in your portfolio, you may seriously want to consider dumping them.

Click here to see the list now.

Stay one step ahead,

Matthew Paulson
Founder & CEO, MarketBeat

P.S. Access to 20 Stocks to Sell Now is completely free. Don’t miss your chance to review these timely, high-conviction warnings before the market reacts.

Just For You

Affirm: A Solid Footing or More Volatility Ahead?

By Peter Frank. Published: 3/29/2026.

Key Points

Affirm is delivering strong growth and improving profitability as adoption expands across merchants and consumers.
Partnerships and network effects are strengthening its position in the competitive buy-now-pay-later market.
Rising credit risks and intense competition could pressure margins if economic conditions weaken.
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If you’ve ever split a purchase into separate payments at checkout, there’s a good chance you’ve been a customer of Affirm Holdings (NASDAQ: AFRM). The company sits at the center of the buy-now-pay-later (BNPL) boom. After years of prioritizing growth over profits, it’s beginning to deliver both.

That’s the good news. But there are reasons to be cautious.

Strong Growth and Profitability Signal Momentum

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Affirm’s most recent quarter was a standout. In its second fiscal quarter ended Dec. 31, gross merchandise volume (GMV), the total value of purchases financed through its platform, reached $13.8 billion, up 36% year over year.

Revenue climbed 30% to $1.12 billion, and net income rose 61% year over year to $130 million. The company beat Wall Street’s expectations, reporting earnings of $0.37 per share, and posted an adjusted operating margin of 30%.

Underlying operating metrics were also encouraging. Total transactions in the quarter jumped 44% to nearly 55 million, merchants offering Affirm at checkout grew 42% to 478,000, and active customers rose 23% to 25.8 million.

That increased adoption matters because, beyond any single partnership, it points to a network effect that can become self-reinforcing over time.

Expansion Strategy and Partnerships Drive Scale

Management has outlined a clear roadmap. Full-year GMV is projected to reach $48.3–$48.85 billion, with revenue between $4.09 and $4.15 billion. Hitting those targets would bolster the case that Affirm has moved from fast-growing startup toward a durable, growing business.

Affirm is also expanding its reach. Partnerships with Shopify (NASDAQ: SHOP), Wayfair (NYSE: W), Intuit (NASDAQ: INTU), Expedia (NASDAQ: EXPE), Worldpay, Fiserv (NASDAQ: FISV), and others show the company moving beyond discretionary retail and into everyday commerce. A partnership with Stripe, for example, enables shared payment tokens to flow to Stripe-connected sellers.

Analyst Sentiment and Stock Volatility

Given the company’s prospects, analysts are broadly bullish, rating the stock a Moderate Buy. Of 28 firms covering Affirm, 19 rate it a Buy and nine a Hold. The 12-month target ranges from $55 to $110, with an average target of $85 per share—nearly double the current market price.

The current price, however, remains well below peaks seen earlier in the company’s trading history. The stock is down more than one-thirdfrom where it traded five years ago shortly after its IPO and has fallen roughly 40% since the start of this year. Those swings may or may not present buying opportunities.

Credit Risks and Competitive Pressure

While revenue and profits look solid, investing in a company like Affirm carries meaningful risks.

Credit markets are generally jittery. Delinquency rates at Affirm are up, and provisions for credit losses have risen. Affirm is effectively a lender, and if the economy softens and consumers struggle to repay, losses could climb and profits could fall. Unlike traditional banks with decades of credit-cycle experience, Affirm is still operating in a relatively young category.

Competition is also stiff. PayPal (NASDAQ: PYPL), Klarna (NYSE: KLAR), Afterpay, and major banks are all pushing installment-payment products. Affirm’s partnerships help defend its position, but they also introduce the risk of losing a major partner. For example, Walmart (NASDAQ: WMT) shifted its primary BNPL relationship to Klarna last year, a move that can quickly impact volume and revenue.

Another point worth noting: CEO Max Levchin has sold more than $110 million in company shares since September 2025, with nearly half that in January when the stock was above $80 per share. The significance of those sales is ambiguous—executives sell for many reasons—but investors should monitor insider activity. There are no records of recent significant insider purchases.

Overall, Affirm belongs in the high-risk, high-reward portion of a diversified portfolio that includes the financial services sector. The growth story is intact, profitability is improving, and the partnership strategy is scaling the business. It could be an attractive play for investors interested in digital payments and consumer lending over the long term—or for traders chasing rallies. Either way, investors should be mindful of the risks associated with AFRM before opening a position.

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Reagan’s former tech advisor sharing bombshell announcement

Dear Reader,

Starting just days from now…

The world’s most powerful chipmaker could finally reveal what it’s been building in secret.

And it could be the biggest millionaire maker America’s #1 Futurist has ever seen.

At the same time, it could confirm a rare “super-convergence” event that this same man has been tracking for months.

All centered around mysterious 4-nanometer devices now rolling off production lines in what used to be Arizona scrubland.

Reagan’s former advisor has identified 3 companies positioned to explode when this news breaks.

But once this bombshell announcement hits… just days from now… the easy money could be gone.

See his urgent briefing before it’s too late.

Regards,

Ian King
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Prepared for the AI Land Grab.

Prepared for the AI Land Grab.

Fortune 1000 brands are signing seven-figure contracts and investors have taken notice.

Since acquiring its core AI engine in 2021, RAD Intel’s valuation has grown from $10M to $220M+, a 22x increase reinforced by recurring seven-figure Fortune 1000 contracts delivering 3 to 4X ROI.

Now, structured as a holding company through its Artificial Intelligence Buyout strategy, RAD deploys that same AI foundation across multiple operating businesses, turning one AI asset into a compounding value platform.

The company is backed by multiple Fidelity funds and venture investors, selected by the Adobe Design Fund, and supported by early operators from Google, Meta, and Amazon. More than 20,000 investors are already aligned.

NASDAQ ticker reserved: $RADI.

*Featured by Wall Street Journal, Fast Company, Bloomberg, Venture Beat, Forbes, Tech Crunch, Charles Schwab, Cheddar TV, CNBC, NYSE and NASDAQ.

Shares are currently available at $0.91 – April 30 is the final date to get in.

DISCLOSURE: This is a paid advertisement for RAD Intel’s Reg A+ offering and involves risk, including the possible loss of principal. Please read the offering circular and related risks at invest.radintel.ai.
Buffett’s $114 Secret

In 1943, a teenage Warren Buffett put $114 into a special type of account called “The 29% Account.”

Today, that single, $114 investment would be worth over $15 million.

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Beat Wall Street to the Trade

This company is preparing for a Nasdaq listing – but by the time the bell rings, it may be too late. Already generating $6.4M in revenue, its Nature-Cide line is sold e-commerce giants like Amazon, Walmart, and Kroger and is expanding into 41+ markets.

As regulators, consumers, and climate pressure push the $17B pest control industry natural, this company is positioned to lead. Right now, shares are just $4.00 through a limited Reg A+ offering.

Don’t wait for Wall Street’s headlines-[review the opportunity now].

Disclosures: This is a paid advertisement for Med-X’s Regulation A+ Offering. Please read the offering circular at invest.medx-rx.com.
The Masters has become the biggest event of the year for private jet companies

Private jet companies are competing for high-spending customers with lavish on-the-ground experiences near the golf course.

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Ugly truth about the Starlink IPO

April 12, 2026

Editor’s Note: If you want to know which chipmaker could be the next NVIDIA, just ask Jeff Brown.

He knows more about AI chips than practically anyone on the planet — Thanks to his senior executive roles at Qualcomm, Juniper Networks, and NXP Semiconductors…

And Jeff just uncovered that one tiny chipmaker — 148 times smaller than NVIDIA — is set to provide Musk 5 billionchips in the next two years alone.

Click here for the full story or read more below.

Dear Reader,

Everyone waiting for a Starlink IPO is missing one vital detail:

The product’s most rapid growth stage is in the past…

And Wall Street is now focused on an entirely different Musk product.

Sure, the earliest Starlink investors saw mind-blowing 6,457,464% gains…

Which meant they could turn a single $1,000 into over $64.5 million.

Needless to say…

Those kinds of gains are long gone.

HOWEVER…

Wall Street analysts now say Musk’s new AI product is set to bring in 684X Starlink’s revenue…

And he hasn’t even launched it yet.

Just think about that.

Starlink turned $1,000 into over $64.5 million for early investors.

But this is set to be 684X larger…

And there’s still a very small window to get in on the ground floor.

This isn’t about pre-IPO investing or anything like that…

This is a ticker you can buy in any brokerage account…

Yet most people have no idea about its Musk connection.

But — as you’re about to see — it won’t stay that way for long.

Click here to see all the details before April 24.

Regards,

Jeff Brown
Founder & CEO, Brownstone Research

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Elon’s Next IPO… a Flop?

editor-image Elon’s Next IPO… A Flop?Read More divider Editor’s Note: As the co-founder of Meridian Capital and co-creator of APP digital asset platfοrm, veteran tech investor Andy Howard has helped over 23k people (from 128 countries) navigate nearly every market cycle. Τοday, he’s identified a potential explosive οppοrtυnіty in the scarce fuel powering Trump’s Nеw American Μοnеy Grid. The same infrastructure: BlackRock, JPMorgan, and Vanguard are already betting ᖯіⅼⅼіοns on. Сⅼіϲk hеrе to gеt the trade or read below

While everyone else is fawning over Elon’s next IPO which may or may not live up to the hype.

BlackRock, JPMorgan, Gοⅼdman Sachs and Fidelity are hoarding shares of one specific scarce resource.

And for good reason.

It’s the fuel that powers every transaϲtion on Trump’s nеw ＄382 trillion Μοnеy Grid.

If you haven’t been paying attention, I’ll catch you up to speed.

President Trump recently signed into law a total overhaul of America’s fіnanϲіaⅼ infrastructure.

BlackRock CEO Larry Fink caⅼⅼs it “the next major evolution in market infrastructure.”

By law every ᖯank account, every stock trade, every wire transfer in America must run on this nеw digital infrastructure by April of 2027.

And one scarce resource fuels the entire infrastructure.

Right nοw, ＄909 ᖯіⅼⅼіοn is migrating onto Trump’s nеw mοnеy grid…

Every. Single. Day.

That’s the entire GDP of Switzerland, moving onto nеw digital rails daily.

This isn’t something that might happen. This is happening.

The nеw digital Μοnеy Grid is being built right nοw in faϲt ＄3 trillion already lives on these nеw digital rails.

＄382 trillion on the grid by April 2027.

That’s a 12,000％ increase in demand.

And historicaⅼⅼy speaking, when supply can’t keep up.

Ρrіϲеs don’t slowly creep up, they surge.

An in your face signal that this one scarce resource could become the most in-demand asset on the planet.

See the scarce asset powering Trump’s ＄382T Μοnеy Grid — frее ticker inside.

The Nasdaq just got SEC approval to move stocks onto blockchain rails.

BlackRock CEO Larry Fink dedicated his entire 2026 annual letter to it.

The World Economic Forum says 2026 is “a defining moment” for this nеw fіnanϲіaⅼ infrastructure.

You don’t need to be an economist.

You don’t need Waⅼⅼ Street connections.

You just need to see what’s right in front of you.

BlackRock and JPMorgan are already in. Gеt the trade before the masses catch on.

Your future looks bright,

Andy Howard

The Edge™ Senior Blockchain Analyst

P.S. The April 2027 deadline is the law, but the smart mοnеy is gеtting in early. BlackRock, JPMorgan, Gοⅼdman Sachs and Fidelity are stockpiling shares. See the trade before this wіndow cⅼοѕеs.

divider Economic Brief: Savings Behavior Gains Attention in 2026 Outlook

New commentary from market observers suggests that households are placing renewed emphasis on savings strategies as economic forecasts highlight moderate growth and evolving cost trends. Many individuals are reviewing financial routines and adjusting timelines to maintain stability.

Frequently discussed planning considerations include:

• Increasing emergency reserve targets
• Reviewing automatic contribution levels
• Monitoring interest rate developments
• Rebalancing long-term allocations
• Evaluating income diversification options

Analysts note that gradual adjustments and consistent reviews may help maintain flexibility. Rather than making large changes, many households are focusing on structured planning and incremental improvements.

Educational resources continue to highlight diversification, liquidity awareness, and long-term consistency as core elements of financial planning. Balanced information can support more thoughtful decision-making over time.

Read the Full Financial Outlook >>

Updates like this are shared to provide general awareness of evolving economic conditions and long-term planning considerations.

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