Perspective Therapeutics Stock (AMEX: CATX)

Perspective Therapeutics (AMEX:CATX) Stock

PERSPECTIVE THERAPEUTICS INC

Perspective Therapeutics

Perspective Therapeutics Inc is a radiopharmaceutical development company that is pioneering advanced treatment applications for cancers throughout the body. The Company has a proprietary technology that utilizes the alpha-emitting isotope Lead-212 (212Pb) to deliver powerful radiation specifically to cancer cells via specialized targeting moieties.

Reddit Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RDDT#NYSE">RDDT</a>) CEO Steve Huffman believes the future of artificial intelligence relies fundamentally on human input—not machine invention.
<h2 class="wp-block-heading">Reddit CEO Defends Human-Centric Data</h2>
During Reddit's <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">second-quarter earnings</a> call on Thursday, Huffman said that AI technologies are built on the foundation of real human conversation and community insights.
"In an automated world that depends on human knowledge, we view Reddit as one of the most important and differentiated data sources," Huffman said. "AI doesn't invent knowledge. It learns from us—from real people sharing real perspectives."
"You can't have artificial intelligence without actual intelligence," he added.
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46653719/mark-cuban-urges-trumps-ai-advisor-to-make-it-illegal-for-llms-to-serve-ads-reminds-of-social-medias-algorithm-lessons" target="_blank" rel="noreferrer noopener">Mark Cuban Urges Trump's AI Advisor To ‘Make It Illegal' For LLMs To Serve Ads, Reminds Of Social Media's Algorithm Lessons</a>
<h2 class="wp-block-heading">Microsoft Report Flags Job Disruption Risks</h2>
Huffman's remarks come amid growing debate over how AI tools—like OpenAI's ChatGPT, Midjourney and other generative models—are <a href="https://www.benzinga.com/opinion/25/04/44587953/will-ai-replace-us-or-redefine-us">reshaping the nature of work</a>.
While many fear AI will replace human jobs, Huffman argues that it's enhancing the value of authentic, human-generated data.
His comments also echo broader industry concerns and insights. A new Microsoft Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) report highlighted how generative <a href="https://www.benzinga.com/markets/tech/25/07/46746936/microsoft-paper-warns-ai-could-make-historians-extinct-but-leave-embalmers-alone-heres-a-list-you-want-to-see">AI will likely disrupt roles</a> like writers, translators and customer service agents—while sparing jobs requiring manual dexterity or real-world presence.
The study has identified 40 occupations at high risk from AI and 40 that are considered more secure.
<h2 class="wp-block-heading">Experts Clash On AI Empowering Or Replacing People</h2>
Meanwhile, economists like Craig Shapiro have warned that<a href="https://www.benzinga.com/markets/economic-data/25/06/46093421/ai-will-disrupt-25-of-us-jobs-by-2030-and-the-fed-cant-save-them-economist-warns"> AI-driven job losses</a> may require fiscal and regulatory intervention, while voices like Palantir Technologies (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLTR#NASDAQ">PLTR</a>) CTO Shyam Sankar and ARK Invest CEO Cathie Wood debate whether <a href="https://www.benzinga.com/markets/tech/25/07/46593814/palantirs-shyam-shankar-says-ai-wont-kill-jobs-itll-give-blue-collar-workers-superpowers-and-make-them-50x-more-productive">AI is empowering</a> or <a href="https://www.benzinga.com/markets/tech/25/07/46460054/cathie-wood-says-ai-is-hurting-entry-level-jobs-offers-advice-to-jobseekers-here-is-her-advice-for-those-joining-the-workforce">destabilizing America's workforce</a>.
<h2 class="wp-block-heading">Reddit Crushes Q2 Earnings Estimates As Shares Surge Nearly 18%</h2>
Reddit posted second-quarter revenue of $499.6 million, beating Wall Street&#8217;s expectations of $424.73 million. Earnings came in at 48 cents per share, well above <a href="https://www.benzinga.com/quote/RDDT/earnings">analyst estimates</a> of 19 cents.
Price Action: &nbsp;Reddit shares surged 17.87% in after-hours trading after posting robust earnings, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro data</a>.
According to Benzinga&#8217;s Edge Stock Rankings show that RDDT continues to exhibit strong upward momentum across short, medium and long-term periods. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'">More detailed performance insights are available here</a>.
<figure class="wp-block-image aligncenter size-full"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'"><img decoding="async" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01022359/Screenshot-2025-08-01-at-11.49.22%E2%80%AFAM.png" alt="" class="wp-image-1010251" /></a></figure>
Read Next:&nbsp;
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/25/05/45396297/cathie-wood-dumps-palantir-as-stock-touches-peak-prices-bails-on-soaring-flying-taxi-maker-archer-aviation" target="_blank" rel="noreferrer noopener">Cathie Wood Dumps Palantir As Stock Touches Peak Prices, Bails On Soaring Flying-Taxi Maker Archer Aviation</a></li>
</ul>
Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: Henry Franklin/Shutterstock

Tech

MSFT

PLTR

RDDT

Reddit CEO Steve Huffman Says AI Learns From Us, Doesn't Invent Knowledge: 'Can't Have Artificial Intelligence Without Actual Intelligence'

OutlookReaffirm 2025 guidance
<ul>
<li>We continue to expect sales growth and adjusted operating profit in line with market expectations4 for 2025 with stronger sales growth in H2, in particular in Q4. We outline our 2025 guidance later in this release.</li>
<li>The acquisition of eDynamic Learning is not expected to have a material impact to 2025 guidance given near term integration costs and the acquisition accounting for deferred revenue.</li>
</ul>
Medium term outlook
<ul>
<li>Beyond 2025, Pearson is positioned to deliver a mid-single digit underlying sales growth CAGR, sustained margin improvement that will equate to an average increase of 40 basis points per annum and strong free cash conversion5, in the region of 90% to 100%, on average, across the period.</li>
</ul>

Earnings

News

Guidance

Pearson Reaffirms 2025 Outlook With Stronger H2 Sales, Mid-Single Digit Growth In Key Segments, And 90%–100% Cash Conversion

Lucid Group Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LCID#NASDAQ">LCID</a>) has begun shipping adapters for its customers, which will let them access Tesla Inc.'s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TLSA#NASDAQ">TLSA</a>) Supercharging stations.
Check out the current price of<a href="https://www.benzinga.com/quote/LCID"> LCID stock here</a>.
What Happened: The company has begun shipping the NACS (North American Charging Standard) to CCS1 (Combined Charging System) charging adapters to owners of the Lucid Air sedan, EV reported <a href="https://eletric-vehicles.com/lucid/lucid-begins-shipping-nacs-adapters-as-tesla-supercharger-access-opens/">on</a> Thursday.
The adapters would let the Lucid Air owners access over 23,500 Tesla Superchargers regardless of the model year, the report suggests.&nbsp;
The $220 adapters support DC-fast charging up to 500 kW, with new orders expected to ship by 29 August. The Gravity SUV, on the other hand, has a native fast charging port.
Why It Matters: The news comes as Lucid recently announced a strategic partnership with ride-hailing giant Uber Technologies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UBER#NYSE">UBER</a>) to offer over <a href="https://www.benzinga.com/markets/tech/25/07/46501100/lucid-scores-big-with-uber-deal-but-for-uber-its-just-another-ride">20,000 robotaxis on its platform</a> over 5 years.
The company also announced actor Timothée Chalamet as Lucid's <a href="https://www.benzinga.com/markets/tech/25/07/46699893/whats-going-on-with-lucid-stock-tuesday-3">official brand ambassador</a>, in what the company said was a step towards increasing the brand's cultural relevance.
Elsewhere, Lucid's interim CEO Marc Winterhoff hailed the <a href="https://www.benzinga.com/markets/tech/25/07/46571454/tesla-rival-lucids-ceo-hails-chinese-evs-reiterates-commitment-to-us-robotaxi-operations-with-uber">company's Chinese rivals</a> in an interview over Chinese EVs' fit and finish as well as the overall product quality.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="198" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025-1024x198.jpg" alt="" class="wp-image-1010242" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025-1024x198.jpg 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025-300x58.jpg 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025-768x149.jpg 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025-1536x297.jpg 1536w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01021711/LCID-AUG-1-2025.jpg 1565w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
Lucid offers Satisfactory Value, but scores poorly on the Momentum metric. For more such insights, sign up for<a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"> Benzinga Edge Stock Rankings</a> today!
Check out more of Benzinga&#8217;s Future Of Mobility coverage by<a href="https://www.benzinga.com/topic/mobility"> following this link.</a>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/tech/25/07/46750947/harley-davidson-confirms-entry-level-6000-sprint-motorcycle-to-launch-in-2026-targeting-new-riders">Harley-Davidson Confirms Entry-Level $6000 &#8216;Sprint&#8217; Motorcycle To Launch In 2026, Targeting New Riders</a></li>
</ul>
Photo courtesy: Ian Dewar Photography / Shutterstock.com

LCID

TLSA

UBER

Lucid Is Now Shipping Adapters That Let Customers Access Elon Musk-Led Tesla's Supercharger Network

Pearson H1 Adj. EPS 24.5p Dwon From 25.6p YoY, Sales £1.722B Dwon From £1.754B YoY

BYD Co. Ltd. (OTC:<a class="ticker" href="https://www.benzinga.com/stock/BYDDY#OTC">BYDDY</a>) (OTC:<a class="ticker" href="https://www.benzinga.com/stock/BYDDF#OTC">BYDDF</a>) announced a new Pilot edition of its Yuan Up EV, retailing for a price of 74,800 RMB or approximately $10,500.
What Happened: The Chinese EV giant announced the new edition to celebrate hitting the 1.5 million sales milestone, Electrek reported <a href="https://electrek.co/2025/07/31/byd-cuts-yuan-up-ev-prices-to-just-10500-new-pilot-model/">on</a> Thursday.
The Pilot edition, marketed as the BYD Atto 2 in overseas markets, boasts a WLTP range of 187 miles on a single charge. The SUV was previously priced between 99,800 RMB ($13,860) to 119,800 RMB ($16,700).
Given its price, the SUV does not feature BYD's "God's Eye" Advanced Driver Assistance System. The new variant also comes with a smaller 32 kWh battery, in contrast to the higher variants with a 45 kWh battery and a range of 249 miles.
Why It Matters: The news comes as BYD has been accused of allegedly <a href="https://www.benzinga.com/markets/asia/25/07/46656250/tesla-rivals-byd-toyota-vw-gm-accused-of-faking-car-sales-in-china-to-hit-targets-report">inflating sales figures</a> in China by insuring vehicles before they were sold to the customers, in what's being called a zero-mileage used vehicle, a practice that has <a href="https://www.benzinga.com/markets/tech/25/07/46460051/china-says-it-will-regulate-phenomenon-of-irrational-competition-amid-ev-price-war-report">raised concerns among authorities</a> in China.
BYD, however, also experienced a slump recently, with the company's domestic <a href="https://www.benzinga.com/markets/asia/25/07/46514949/tesla-rival-byds-domestic-sales-slip-8-in-june-analysts-slash-annual-delivery-projections-amid-ev-price-war-scrutiny">sales going down 8%</a> in the month of June. However, the overseas sales were on track to meet targets.&nbsp;
The automaker is also debuting its luxury-focused subsidiary, Yangwang, in the <a href="https://www.benzinga.com/markets/tech/25/07/46538952/tesla-rival-byds-global-expansion-continues-as-luxury-brand-yangwang-set-for-european-debut-in-2026">European market next year</a>, amid a push for more presence in overseas markets for BYD.
Check out more of Benzinga's Future Of Mobility coverage by<a href="https://www.benzinga.com/topic/mobility"> following this link.</a>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/tech/25/07/46683019/byd-surpasses-tesla-in-fortune-global-500-list-amid-sales-slump-for-elon-musks-ev-giant">BYD Surpasses Tesla In Fortune Global 500 List Amid Sales Slump For Elon Musk&#8217;s EV Giant</a></li>
</ul>
Photo courtesy: Tada Images / Shutterstock.com

BYDDF

BYDDY

BYD Debuts $10,500 Yuan Up Pilot EV As It Faces Sales Scrutiny, Preps Europe Launch

NXPI

NXP Semiconductors Unveils i.MX 95 With 2TOPS NPU And eIQ Neutron To Drive Next-Generation Edge Applications

The cryptocurrency market roared back into momentum in July, driven by the passage of key bills in the U.S. Congress.&nbsp;
What happened: The total market capitalization rose 62% to $3.78 trillion over the last month, adding nearly $1.45 trillion to investors' wealth.
Market barometer Bitcoin <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46388685/bitcoin-shatters-all-time-high-to-hit-123000-as-ethereum-cracks-3000-and-xrp-taps-3">experienced a record-breaking rally</a>, reaching an all-time high of $123,000. Ethereum, which was a laggard for most of 2025, <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46668408/ethereum-sees-surging-institutional-flows-is-eth-going-to-4000">staged an impressive recovery</a> and nearly broke $4,000.
See Also:<a href="https://www.benzinga.com/25/04/44621245/gold-backed-cryptos-match-yellow-metals-highs-following-trumps-liberation-day-shock"> </a><a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46770711/sec-launches-project-crypto-heres-what-it-means-for-you">SEC Launches &#8216;Project Crypto&#8217; — Here&#8217;s What It Means For You</a>
Significant capital was also rotated in altcoins, with XRP, Cardano and Solana recording double-digit gains in the month.
Meme heavyweights Dogecoin and Shiba Inu (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/shib/usd">SHIB</a>) climbed 30% and 9.72%, respectively.
However, under-the-radar coins such as Conflux, Ethena, and the <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46564380/pudgy-penguins-token-blasts-433-in-a-month-nft-linked-crypto-dwarfs-bitcoin-dogecoin-whats-going-on">non-fungible token-based</a> Pudgy Penguins were the biggest winners of July, with their holders racking up triple-digit gains in the month.
<figure class="wp-block-table"> 
<table class="has-fixed-layout">
<tbody>
<tr>
<td class="has-text-align-center" data-align="center">Cryptocurrency</td>
<td>30-Day Gains +/-</td>
<td>Price (Recorded at 1:30 a.m. ET)</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Conflux (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/cfx/usd">CFX</a>)</td>
<td>+190.27%</td>
<td>$0.2138</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Ethena (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">ENA</a>)</td>
<td>+126.89%</td>
<td>$0.5846</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Pudgy Penguins (PENGU)</td>
<td>+117.35%</td>
<td>$0.03394</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center" colspan="3">Large-Cap Cryptos</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>)</td>
<td>+51.57%</td>
<td>$3,692.50</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">XRP (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/xrp/usd">XRP</a>)</td>
<td>+38.72%</td>
<td>$3.01</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Dogecoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>)</td>
<td>+30.00%</td>
<td>$0.2064</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>)</td>
<td>+9.00%</td>
<td>$115,914.48</td>
</tr>
</tbody>
</table>
</figure>
The <a href="https://www.benzinga.com/crypto/25/07/46480331/the-us-just-took-a-big-step-toward-crypto-regulation-heres-what-the-clarity-act-actually-says">passage </a>of the GENIUS Act, also known as the stablecoin bill, and the progress on the CLARITY Act, aka the cryptocurrency market structure bill, fueled the rally, sparking investor optimism by promising to deliver a long-awaited, clear regulatory framework for digital assets.
Furthermore, a White House advisory group formed under President Donald Trump released a cryptocurrency blueprint, urging federal agencies to clarify rules governing digital assets and accelerate the rollout of <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46510518/trump-family-crypto-business-nabs-26-million-profit-from-quarter-billion-ethereum-stake" target="_blank" rel="noreferrer noopener">innovative cryptocurrency products</a>.
Read Next:&nbsp;
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46774943/bitcoin-ethereum-xrp-dogecoin-struggle-as-post-fomc-blues-hits-markets">Bitcoin, Ethereum, XRP, Dogecoin Struggle As Post-FOMC Blues Hits Markets</a> </li>
</ul>
Photo: Shutterstock

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

$BTC

$CFX

$DOGE

$ENA

$ETH

$SHIB

$XRP

SHIB

Ethereum, XRP Soared In July, But This Little-Known Crypto Beat Them All With Triple-Digit Gains

The transaction is expected to close in the fourth quarter of 2025, subject to customary closing conditions, including regulatory approvals. Terms of the transaction were not disclosed

SAP Acquires SmartRecruiters To Enhance AI-Enabled Talent Acquisition And Candidate Experience; Terms Not Disclosed

Macro Economic Events

Econ #s

Economics

U.K. Nationwide HPI (YoY) For July 2.4% Vs. 2.1% Est.; 2.1% Prior

U.K. Nationwide HPI (MoM) For July 0.6% Vs. 0.5% Est.; -0.9% (Revised) Prior

Social media platform Reddit Inc. (NYSE: RDDT) had a strong second-quarter performance, with its profitability metrics now within striking distance of mature social networking companies such as Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>).
Check out the current price of&nbsp;<a href="https://www.benzinga.com/quote/RDDT" target="_blank" rel="noreferrer noopener">RDDT stock here</a>.
What Happened: During its <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">second-quarter earnings</a> call on Thursday, the company reported an adjusted EBITDA of $167 million, from total revenue of $500 million, resulting in EBITDA margins of 33%. This was largely driven by rapid top-line growth, alongside tight expense controls during the quarter. 
The company&#8217;s CFO, Drew Vollero, said, &#8220;We found a sweet spot this quarter with both revenue growth and profitability,&#8221; referring to a 78% surge in revenues.
See Also: <a href="https://www.benzinga.com/insights/options/25/07/46693048/behind-the-scenes-of-reddits-latest-options-trends">Behind the Scenes of Reddit&#8217;s Latest Options Trends</a>
What makes Reddit's margin profile stand out is that the company is still in the early stages of its monetization efforts. As Vollero pointed out, the company&#8217;s average revenue per user (ARPU) soared 47% year-over-year to $4.53, while noting that it was &#8220;still low on an absolute basis and remains an opportunity.&#8221;
In comparison, Reddit&#8217;s top competitor in the social media space, Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), with its massive scale and infrastructure, reported EBITDA margins <a href="https://investor.atmeta.com/investor-news/press-release-details/2025/Meta-Reports-Second-Quarter-2025-Results/default.aspx">of</a> 43%. 
Reddit notes that several key monetization levers, such as its self-serve ad automation, performance measurement tools, and advertiser onboarding, are still being built. &#8220;We are not yet end-to-end automated,&#8221; said COO Jen Wong, referring to plenty of untapped potential from mid-market and SMB advertisers, when it does get fully automated.
<figure class="wp-block-table"> 
<table class="has-fixed-layout">
<tbody>
<tr>
<td class="has-text-align-center" data-align="center">Stock</td>
<td class="has-text-align-center" data-align="center">Year-To-Date Performance</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Reddit Inc. (NYSE:&nbsp;RDDT)</td>
<td class="has-text-align-center" data-align="center">-3.21%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>)</td>
<td class="has-text-align-center" data-align="center">+29.07%</td>
</tr>
</tbody>
</table>
</figure>
Why It Matters: Reddit released its <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">second-quarter results</a> on Thursday, reporting $499.6 million in revenue, up 78% year-over-year, and beating consensus estimates at $424 million.
The company reported a profit of 48 cents per share, once again beating analyst consensus estimates by a wide margin of 19 cents per share.
Price Action: Shares of Reddit were up 7.54% on Thursday, closing at $160.59, and are up another 17.82% after hours, following its earnings announcement.
<figure class="wp-block-image size-large"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="1024" height="148" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011318/Screenshot-2025-08-01-at-10.43.07-AM-1024x148.png" alt="" class="wp-image-1010176" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011318/Screenshot-2025-08-01-at-10.43.07-AM-1024x148.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011318/Screenshot-2025-08-01-at-10.43.07-AM-300x43.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011318/Screenshot-2025-08-01-at-10.43.07-AM-768x111.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011318/Screenshot-2025-08-01-at-10.43.07-AM.png 1518w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
According to Benzinga&#8217;s Edge Stock Rankings, Reddit shares score high on Momentum, and have a favorable price trend in the short, medium and long terms. How does it compare with Meta Platforms? Click <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">here</a> to find out. 
Read More: 
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/money/reddit-stock-price-prediction">Reddit Stock Price Prediction: 2025, 2026, 2030</a></li>
</ul>
Photo courtesy: Ink Drop On Shutterstock

Reddit's Closing In On Meta: EBITDA Margins Hit 33% In Early Monetization Push: Revenue Per User 'Is Still Low,' 'Remains An Opportunity'

Reddit Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RDDT#NYSE">RDDT</a>) surged 17.82% in after-hours trading on Thursday after <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">reporting second-quarter results</a> that crushed Wall Street expectations and issued bullish third-quarter guidance.
What Happened: The social media platform <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">reported second-quarter revenue</a> of $499.6 million, beating consensus estimates of $424.73 million by 17.6%. Earnings per share hit 48 cents, more than doubling analyst expectations of 19 cents per share.
Total revenue climbed 78% year-over-year as daily active unique users increased 21% to 110.4 million. U.S. DAUq grew 11% while international DAUq surged 32%, <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">according to Benzinga Pro data</a>.
Reddit generated $111 million in both operating cash flow and free cash flow during the quarter. The company ended the second quarter with $2.06 billion in <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">cash and cash equivalents</a>.
&#8220;With 20+ years of conversations across 100,000+ communities, Reddit is the internet&#8217;s largest archive of authentic dialogue,&#8221; the company <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">stated in its shareholder letter</a>. Management emphasized Reddit&#8217;s role as foundational infrastructure for AI and large language models.
See Also: <a href="https://www.benzinga.com/crypto/cryptocurrency/25/08/46782692/michael-saylor-says-strategys-current-capital-structure-bulletproof-compared-to-2022-crypto-winter-asserts-company-can-weather-80-bitcoin-crash">Michael Saylor Says Strategy&#8217;s Current Capital Structure &#8216;Bulletproof&#8217; Compared To 2022 Crypto Winter, Asserts Company Can Weather 80% Bitcoin Crash</a>
Why It Matters: For the third quarter, Reddit expects revenue <a href="https://www.benzinga.com/markets/earnings/25/07/46775818/reddit-q2-earnings-revenue-beat-eps-beat-strong-guidance-drives-shares-higher">between $535 million and $545 million</a>, significantly above Wall Street&#8217;s $471.49 million estimate. The company projects adjusted EBITDA of $185 million to $195 million.
SimilarWeb data <a href="https://www.benzinga.com/trading-ideas/movers/25/06/46180058/reddit-shares-surge-as-app-downloads-spike-whats-going-on">showed download volumes jumped</a> 77.98% in April and another 47.92% in May.
Multiple analysts raised price targets ahead of earnings, with Raymond James maintaining a Strong Buy rating and $175 target. The <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46763760/whats-going-on-with-reddit-shares-thursday">consensus price target</a> stands at $150.67.
Reddit&#8217;s market cap reached $29.63 billion following the after-hours surge. The stock trades at a 257.58 price-to-earnings ratio.
With momentum in the 93rd percentile, Benzinga&#8217;s Edge Stock Rankings show RDDT trending positively across all time frames—see <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">how it stacks up against other social media stocks</a>.
<figure class="wp-block-image size-full is-resized"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="888" height="640" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01013556/image-1.png" alt="" class="wp-image-1010201" style="width:528px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01013556/image-1.png 888w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01013556/image-1-300x216.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01013556/image-1-768x554.png 768w" sizes="(max-width: 888px) 100vw, 888px" /></a></figure>
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<li><a href="https://benzinga.com/etfs/broad-u-s-equity-etfs/25/07/46710463/cathie-woods-15m-crypto-bet-sells-bitcoin-king-block-doubles-down-on-ethereum-giant-bitmine-immersion">Cathie Wood&#8217;s $15M Crypto Bet: Sells Bitcoin King Block, Doubles Down On Ethereum Giant Bitmine Immersion</a></li>
</ul>
Photo Courtesy: Ink Drop On Shutterstock
Disclaimer: This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.

Equities

Markets

Reddit Skyrockets 18% After Hours As Q3 Outlook, Earnings Beat Spark Investor Frenzy

Amazon.com Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) delivered a <a href="https://www.benzinga.com/markets/earnings/25/07/46774978/amazon-q2-earnings-highlights-double-beat-ai-progress-across-the-board-continues">strong second quarter</a> but missed expectations on cloud growth, sending shares tumbling and prompting concern from analysts over Amazon Web Services&#8217; momentum.
<h2 class="wp-block-heading">AWS Misses Growth Whisper, Sparks Analyst Alarm</h2>
Amazon reported second-quarter net sales of $167.7 billion, a 13% increase year-over-year and above consensus estimates of $161.9 billion.
However, AWS revenue came in at $10.2 billion, representing 17.5% growth—well below the "whisper number" of 20% that some analysts, including Deepwater Asset Management's Gene Munster, had expected.
"AWS is what's wrong," Munster said during an <a href="https://www.cnbc.com/video/2025/07/31/amazon-guidance-great-aws-numbers-pulling-on-stock-says-deepwaters-gene-munster.html">appearance</a> on CNBC. "The whisper was plus 20% growth. I thought it was going to be like 22%. They did 17.5%."
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46760627/magnificent-seven-microsoft-meta-nvdia-earnings-sp500-market-cap" target="_blank" rel="noreferrer noopener">Magnificent Seven Now Worth Over $19 Trillion—And They Make Up 35% Of The S&amp;P 500</a>
<h2 class="wp-block-heading">Gene Munster Points To Share Loss Versus Azure, Google Cloud</h2>
Munster pointed to Amazon's underperformance compared to Microsoft Corporation's (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) Azure and Alphabet Inc.'s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>) (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) Google Cloud.
"They have been losing share over the past couple of years. They lost at a greater pace in the June quarter. That's a problem," he said.
Google Cloud reported <a href="https://www.benzinga.com/markets/earnings/25/07/46587283/alphabet-q2-earnings-revenue-eps-beat-estimates-google-parent-raises-capex-outlook-due-to-strong-and-growing-cloud-demand">revenue of $13.62 billion</a> for the quarter, up from $10.35 billion a year ago, while Microsoft CEO Satya Nadella announced that Azure crossed the $75 billion revenue mark <a href="https://www.benzinga.com/markets/earnings/25/07/46738585/microsoft-q4-earnings-highlights-double-beat-ceo-says-cloud-and-ai-is-the-driving-force">for the full fiscal year</a>, reflecting a 34% year-over-year growth.
While Amazon attributed the miss partly to capacity constraints, Munster wasn't fully convinced. "They would have to be really supply-constrained to justify that number," he said. "There just is still something deeper here."
<h2 class="wp-block-heading">AI Integration May Be Giving Microsoft The Edge</h2>
When asked whether Microsoft is simply doing a better job of integrating AI into Azure, Munster said, "Yeah, I think that they're probably just doing a better job of integrating those AI models into the overall system. That&#8217;s Azure. It&#8217;s just been a Cloud First company for Azure."
<h2 class="wp-block-heading">Slowing AWS Growth Clouds Margin Outlook</h2>
AWS is Amazon's profit engine, and its slowing growth has significant implications for the company's margins and future investment capacity. While Amazon's operating margins improved overall—rising from 3.5% to 11.4% in two years—Munster said that "it's all about AWS."
"I don&#8217;t know what&#8217;s wrong with it. I don&#8217;t know why it shouldn&#8217;t be growing faster, given all the goodness that&#8217;s happening in the cloud side," he said.
<h2 class="wp-block-heading">Amazon Offers Strong Q3 Guidance, But Investors Focus On Cloud</h2>
Amazon did offer upbeat guidance for the third quarter, with the high end of its revenue forecast implying 13% growth, ahead of Street estimates. Still, the AWS miss weighed heavily on investor sentiment.
"Management noted on the call that growth was capacity-constrained, with backlog up 25%," Munster later posted on X, formerly Twitter, "offsetting some of my initial disappointment."
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">$$AMZN down 6.5% on AWS margin disappointment. AWS growth of 17% missed the ~20% whisper. However, management noted on the call that growth was capacity-constrained, with backlog up 25% offsetting some of my initial disappointment. <a href="https://t.co/KnPXgAofjq">https://t.co/KnPXgAofjq</a>
&mdash; Gene Munster (@munster_gene) <a href="https://twitter.com/munster_gene/status/1951075732928495908?ref_src=twsrc%5Etfw">August 1, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Price Action: Amazon shares fell 6.63% to $228.55 in after-hours trading, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro</a>.
Despite the drop, Benzinga's Edge Stock Rankings indicate that AMZN maintains strong upward momentum across short, medium and long-term timeframes. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'">Additional performance data is available here</a>.
<figure class="wp-block-image aligncenter size-full"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'"><img decoding="async" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/08/01011706/Screenshot-2025-08-01-at-10.46.50%E2%80%AFAM.png" alt="" class="wp-image-1010180" /></a></figure>
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</ul>
Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo by Deep Pixel via Shutterstock

AMZN

GOOG

GOOGL

Amazon Stock Tanks As AWS Misses Whisper Number: 'I Don't Know What's Wrong With It,' Says Gene Munster

Reported Earlier, Australia Producer Price Index (YoY) For Q2 3.4% Vs. 3.7% Prior

Strategy Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSTR#NASDAQ">MSTR</a>) CEO Michael Saylor expressed confidence in his company&#8217;s Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) buying approach Thursday, asserting that it could endure an 80% drawdown and remain resilient even in a bear market.
What Happened:&nbsp;During the company&#8217;s second-quarter earnings call, Saylor was asked about the company&#8217;s ability to weather Bitcoin bear markets and the potential impact on its capital structure.
&#8220;I think that our structure is smooth, and we wouldn't miss a single dividend payment on an 80% drawdown,&#8221; Saylor responded. &#8220;On a 90% to 95% drawdown, in theory, you might suspend something for a little bit of time.&#8221;
Saylor cited the company&#8217;s pivot to a &#8220;robust antifragile&#8221; <a href="https://www.benzinga.com/money/how-to-buy-preferred-stock#:~:text=Preferred%20stock%20carries%20less%20risk,flow%20of%20the%20general%20market.">perpetual preferred stock strategy</a>, which has no maturity date and retains the initial capital invested.
He pointed out that the company had previously survived an 80% Bitcoin pullback during the <a href="https://www.benzinga.com/markets/cryptocurrency/24/09/40786633/crypto-winter-of-2022-dealt-a-death-blow-to-bitcoin-and-other-coins-fed-report-indicates-a">2022 cryptocurrency winter </a>with a weaker capital structure, dominated by convertible debt, and that the current structure is &#8220;bulletproof&#8221; in comparison.
See Also:&nbsp;<a href="https://benzinga.com/crypto/cryptocurrency/25/07/46745730/peter-schiff-says-bitcoin-is-like-tech-stocks-but-without-potential-of-earnings-as-investor" target="_blank" rel="noreferrer noopener">Peter Schiff Says Bitcoin Is Like Tech Stocks But Without &#8216;Potential Of Earnings&#8217; As Investors Digest Meta, Microsoft Numbers</a>
Why It Matters: Strategy has spearheaded Bitcoin's corporate adoption,&nbsp;<a href="https://www.benzinga.com/crypto/cryptocurrency/25/06/45837005/strategy-buys-another-110-million-in-bitcoin-now-holds-582000-btc" target="_blank" rel="noreferrer noopener">building its reserve</a>&nbsp;with proceeds from common stock, preferred stock, and convertible bond issuances. 
The approach monetizes the volatility of the company&#8217;s shares. When Strategy&#8217;s stock trades at a premium to the value of its Bitcoin holdings, the company issues new shares and uses the proceeds to purchase more BTC.
In July, it completed a $2.52 billion initial public offering of its STRC preferred stock and used the proceeds to purchase 21,021 BTC. The firm held a stash of more than 628,791 BTC, worth over $72 billion as of this writing,&nbsp;<a href="https://bitcointreasuries.net/" target="_blank" rel="noreferrer noopener">according&nbsp;</a>to&nbsp;bitcointreasuries.net
However, the approach has faced criticism, with veteran short seller Jim Chanos<a href="https://www.benzinga.com/crypto/cryptocurrency/25/06/45877499/michael-saylor-says-jim-chanos-doesnt-understand-strategys-model-criticizes-long-bitcoin-short-mstr-trade-short-seller-hits-back-with-financial-gibberish-remark"> suggesting that the stock's premium over Bitcoin's value</a> is not justified. Chanos has adopted an arbitrage trade that involves shorting Strategy's stock while buying Bitcoin.
Strategy <a href="https://www.benzinga.com/markets/earnings/25/07/46775486/microstrategy-beats-q2-earnings-as-revenue-rises-bitcoin-yield-climbs-to-19-7">reported its second-quarter financials</a> after Thursday&#8217;s market close, with revenue exceeding analysts&#8217; expectations. The company reported a Bitcoin gain of 88,109 in the quarter, bringing its Bitcoin gain up to 111,894 year-to-date
Price Action:&nbsp; At the time of writing, BTC was exchanging hands at $115,577.50, down 2.48% in the last 24 hours, according to&nbsp;<a href="https://pro.benzinga.com/dashboard?_gl=1&#x2A;380nj0&#x2A;_ga&#x2A;MTEyOTAyOTcxMy4xNzEzMzY0NTYy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDk4MzIzMi42LjEuMTcxNDk4OTE0Ni4wLjAuMA.." target="_blank" rel="noreferrer noopener">data from Benzinga Pro</a>.&nbsp;
Shares of MSTR dipped 1.41% in after-hours trading after closing 1.73% higher at $401.86&nbsp; during Thursday&#8217;s regular trading session. 
MSTR demonstrated a very high momentum score—a measure of the stock&#8217;s relative strength based on its price movement patterns and volatility over multiple timeframes—as of this writing. To find out how MSTR compares against other cryptocurrency-related stocks, visit&nbsp;<a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound" target="_blank" rel="noreferrer noopener">Benzinga Edge Stock Rankings</a>.
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Photo courtesy: PJ McDonnell / Shutterstock.com

Short Sellers

MSTR

Michael Saylor Says Strategy's Current Capital Structure 'Bulletproof' Compared To 2022 Crypto Winter, Asserts Company Can Weather 80% Bitcoin Crash

Reported Earlier, Australia Producer Price Index (QoQ) For Q2 0.7% Vs. 0.9% Est.; 0.9% Prior

Reported Earlier, China Caixin Manufacturing Purchasing Managers Index For July 49.5 Vs. 50.2 Est.; 50.4 Prior

Personal finance expert Dave Ramsey didn't hold back in a social media post, calling out Americans for mismanaging their income and staying trapped in a cycle of debt.
What Happened: This week, Ramsey shared a video on X, while blasting the mindset that blames low income for financial hardship. Instead, he pointed the finger at debt-fueled lifestyles.
"You're not broke because you don't make enough," Ramsey wrote. "You're broke because you give your income to everyone else."
In the video, he criticized the use of credit cards, car loans, and student debt. "Credit cards stupid. Student loans stupid. Car payments stupid on steroids," he said. "Borrowing money on your house to put granite countertops in? Somebody ought to smack you."
"Think, think, think, seriously," he said, urging people to pause and reexamine their financial decisions. "We're fat and we're broke because we have no ability to do critical thought."
He urged viewers to take control by making a zero-based budget, paying cash for purchases, and using the debt snowball method to eliminate what they owe.
"Your income is your #1 wealth-building tool," he said on X, &#8220;If you keep it, budget it, and invest it, you can break the paycheck-to-paycheck cycle and finally get ahead. No more excuses.&#8221; 
See Also: <a href="https://benzinga.com/markets/macro-economic-events/25/07/46745168/trump-leaves-good-friend-india-in-the-cold-strikes-trade-deal-with-arch-rival-pakis" target="_blank" rel="noopener">Trump Leaves &#8216;Good Friend&#8217; India In The Cold, Strikes Trade Deal With Arch Rival Pakistan Over &#8216;Massive Oil Reserves&#8217;</a>
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">You're not broke because you don't make enough. You're broke because you give your income to everyone else. Credit cards, car payments, student loans&#8230; every payment is money that you could be using to build wealth for yourself instead of making everyone else rich. Here's how… <a href="https://t.co/KvfVZ6e36u">pic.twitter.com/KvfVZ6e36u</a>
&mdash; Dave Ramsey (@DaveRamsey) <a href="https://twitter.com/DaveRamsey/status/1950218151053971858?ref_src=twsrc%5Etfw">July 29, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Why It Matters: Ramsey has been a vocal critic of debt and financial struggles in the U.S. In a <a href="https://www.benzinga.com/personal-finance/24/12/42746966/debt-and-broke-are-the-norm-says-dave-ramsey-explains-why-normal-isnt-working-for-most-americans-and-how-to-take-control-of-your-money">previous interview</a>, he highlighted the detrimental impact of debt on financial potential and proposed a step-by-step plan to achieve financial peace.
In April, A 49-year-old caller told Ramsey he still owed $20,000 in student loans after 19 years of payments. Ramsey advised him to skip forgiveness programs and <a href="https://www.benzinga.com/news/25/04/44914129/after-19-years-of-payments-a-man-asks-dave-ramsey-about-his-student-loan-forgiveness-at-90k-a-year-ramsey-doesnt-go-easy-on-him">pay it off in one year</a> by drastically cutting expenses.
Earlier this month, a 24-year-old remodeling business owner admitted to Ramsey that he's $260,000 in <a href="https://www.benzinga.com/personal-finance/management/25/07/46382350/24-year-old-used-client-deposits-to-pay-off-debt-now-hes-260k-down-and-dave-ramsey-warns-theyre-going-to-go-ballistic">debt after misusing client deposits</a> to cover payroll and past losses. With unpaid vendors looming and angry clients inevitable. Ramsey urged him to focus on fast-paying, small projects to dig out of the financial mess.
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Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: T. Schneider / Shutterstock.com

Personal Finance

Dave Ramsey's 3-Step Escape Plan From The Paycheck-To-Paycheck Trap: 'You're Not Broke Because You Don't Make Enough...'

Rent and light-bill history could soon help millions secure a mortgage. The Federal Housing Finance Agency (FHFA) has told Fannie Mae and Freddie Mac they may now accept VantageScore 4.0, a credit model that counts on-time rent and utility payments, alongside the long-dominant FICO score.
What Happened: Unlike classic FICO, which ignores recurring housing and phone bills, VantageScore 4.0 pulls data from rent, utilities and telecom accounts, <a href="https://www.investopedia.com/can-your-rent-payments-get-you-a-mortgage-changes-to-credit-review-may-still-be-years-off-11782272">according</a> to Investopedia. The shift, its creators say, could open the market to roughly five million first-time buyers.
The model was validated alongside FICO 10T in 2022, but the FHFA left most of the heavy lifting, including new software, investor analytics and securitization standards, to lenders and the two government-sponsored enterprises.
Adoption will not be overnight, lenders warn. "I don&#8217;t know how long that&#8217;s going to take, but it&#8217;s not going to be quick. It probably wouldn&#8217;t be this year," said Phil Crescenzo Jr., vice president at Nation One Mortgage Corp.
Michael McCarthy, branch manager for PRMG in Naples, Fla., agrees. "Part of being credit worthy is the ability and willingness to make a payment… this should count for something," he states.
See Also: <a href="https://www.benzinga.com/personal-finance/management/25/07/46510561/fico-to-roll-out-new-scores-to-reflect-your-buy-now-pay-later-habits-impacting-millions-of-americans-credit">FICO To Roll Out New Scores to Reflect Your &#8220;Buy Now, Pay Later&#8221; Habits, Impacting Millions of Americans&#8217; Credit</a>
Analyst Christopher Whalen, chairman of Whalen Global Advisors LLC., was blunter. "The mortgage industry and global buyers of mortgages and [mortgage-backed securities] are not likely to adopt VantageScore anytime soon," he said.
Why It Matters: Trade groups have pressed FHFA for clear pricing grids and underwriting rules before lenders flip the switch.
Fannie and Freddie say detailed guidance is coming and note lenders can keep using today's tri-merge reports while the scoring overhaul rolls out through 2025.
For now, borrowers can still ask lenders to manually document 12 months of rent to strengthen borderline files, Crescenzo said, "You don&#8217;t need Vantage to do it." If the timeline holds, VantageScore could become mandatory for new conforming loans by late 2025.
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</ul>
Image Via Shutterstock

Financing

Real Estate

Fannie, Freddie Set Stage For Mortgage Credit Overhaul With VantageScore 4.0, But Lenders Urge Caution

Palantir Technologies Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLTR#NASDAQ">PLTR</a>) secured a major victory with the U.S. Army&#8217;s new Enterprise Agreement that establishes a comprehensive framework for the Army&#8217;s future software and data needs. The 10-year contract, valued at up to $10 billion, represents the maximum potential value rather than guaranteed obligations.
<h2 class="wp-block-heading">Army Consolidates 75 Contracts Into Single Enterprise Agreement</h2>
The Army consolidated 75 contracts—15 prime contracts and 60 related contracts—into this single agreement. This streamlined approach eliminates contract and reseller pass-through fees while accelerating delivery of proven commercial software to warfighters.
<h2 class="wp-block-heading">Cost Efficiencies Drive Military Modernization</h2>
&#8220;This Enterprise Agreement represents a pivotal step in the Army&#8217;s commitment to modernizing our capabilities while being fiscally responsible,&#8221; said Leo Garciga, the Army&#8217;s Chief Information Officer. The framework establishes volume-based discounts and reduces procurement timelines.
The agreement allows flexible purchasing of goods and services as needed, delivering significant cost efficiencies across mission-critical programs. Other Department of Defense agencies can also purchase Palantir&#8217;s commercial products during the contract period.
See Also: <a href="https://www.benzinga.com/markets/equities/25/07/46781721/apple-surges-after-hours-as-q3-earnings-crush-estimates-iphone-and-services-lead-growth">Apple Surges After-Hours As Q3 Earnings Crush Estimates, iPhone And Services Lead Growth</a>
<h2 class="wp-block-heading">Market Position Strengthens Amid Pentagon AI Testing</h2>
The deal comes as the Pentagon tests AI models from Microsoft Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) and OpenAI to reduce dependency on vendors like Palantir and Lockheed Martin Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>). These <a href="https://www.benzinga.com/markets/tech/25/07/46681403/department-of-defense-tests-ai-models-by-microsoft-openai-to-ease-transition-from-palantir-lockheed-martin">competing models aim to extract data</a> from analytics applications, potentially threatening vendor lock-in situations.
Despite competitive pressures, Piper Sandler analyst Brent Bracelin initiated coverage on PLTR with an Overweight rating and $170 price target, calling it an &#8220;AI All-Star.&#8221; The analyst projects Palantir could <a href="https://www.benzinga.com/analyst-stock-ratings/initiation/25/07/46636083/the-secret-ai-powerhouse-winning-big-in-defense-and-beyond">achieve a $24 billion annual revenue run rate</a> by 2032.
<h2 class="wp-block-heading">Financial Performance and Growth Trajectory</h2>
Palantir shares closed at $158.35 on Thursday, down 0.16%, with after-hours trading at $157.40. The company is set to report its second-quarter earnings on Monday after the market closes.
The company has achieved approximately $4 billion in revenue run-rate with free cash flow margins exceeding 40%, spanning over two decades of strategic development in <a href="https://www.benzinga.com/analyst-stock-ratings/initiation/25/07/46636083/the-secret-ai-powerhouse-winning-big-in-defense-and-beyond">the defense technology sector</a>.
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Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo by Mamun_Sheikh via Shutterstock

Palantir Lands $10 Billion Army Deal To Unify 75 Contracts Into One AI-Powered Defense Software Framework

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