La cadena de opciones muestra datos clave de las opciones de acciones de CANOO INC A by Canoo Inc. a varios precios de ejercicio y fechas de vencimiento. Los operadores utilizan esta información para analizar posibles operaciones y evaluar el sentimiento del mercado para CANOO INC A by Canoo Inc...

CANOO INC A by Canoo Inc. (OTC:GOEVQ) Bolsa, Cadena de Opciones

CANOO INC A by Canoo Inc.

Keefe, Bruyette &amp; Woods analyst Bose George downgrades Radian Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RDN#NYSE">RDN</a>) from Outperform to Market Perform and maintains the price target from $38 to $38.

News

Downgrades

Price Target

Analyst Ratings

Keefe, Bruyette & Woods Downgrades Radian Group to Market Perform, Maintains Price Target to $38

Most <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/06/46128507/think-youll-make-100k-right-out-of-college-in-these-10-fields-you-might-be-right">new college grads</a> get a pat on the back and maybe a "we're proud of you" dinner. But when 23-year-old Caitlin earned her master's degree in cybersecurity, her mom had a different kind of message: You're my retirement plan.
"My mother informed me that she has zero saved for retirement and expects me to take care of her during her retirement years," Caitlin told Dave Ramsey and George Kamel <a href="https://youtu.be/4XPWfEHt2hg?si=XhJD5Ivndgn4v2bN">during an episode of "The Ramsey Show."</a>
Caitlin, who lives in Memphis, Tennessee,&nbsp; and just entered a high-income field, said she doesn't want to abandon her mom—but needed advice on how to prepare financially.
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</ul>
Ramsey didn't hold back.
"What part of her childhood trauma has damaged her psychologically to make this ridiculous butt statement?" he asked bluntly.
Her mother, just 46, works as a secretary making around $30,000 a year. Caitlin said she believes the problem is a <a href="https://www.benzinga.com/personal-finance/management/25/07/46210766/dave-ramsey-caller-says-grandma-gifted-them-9000-then-demanded-12000-back-is-she-mentally-ill-or-is-she-just-a-liar">lack of knowledge—not malice</a>. But Ramsey still called it what it is.
"For a 46-year-old to plan on retiring broke and be taken care of by their children is misbehavior in the American culture," he said. "Now, in some cultures it would not be. But in North America, in Memphis, Tennessee, that's misbehavior."
Trending: Tired of Grid Failures and Charging Deserts? This Startup Has a Solar Fix and $25M+ in Sales — <a href="https://www.benzinga.com/money/meet-the-company-seeking-to-give-americans-energy-independence-and-learn-how-you-can-become-an-early-investor">Now Raising at $3/Share</a>
Ramsey urged Caitlin to first focus on her own financial success.
"You need to become wealthy, and you're going to do that… You're going to be a multi-millionaire by the time you're 40," he said. "So you'll be able to write her checks. That does not mean you should, but mathematically you would be able to."
He then offered a more productive path: invite her mom to join her in taking Ramsey's signature personal finance course. "Let's get her believing, having some hope that she actually could have the dignity of controlling her own destination without depending upon her daughter," he said.
Kamel chimed in with a warning about what happens when guilt replaces boundaries.
"If you're not careful, there's an emotional trap in this relationship," he said. "Mom puts the pressure on you to do this. You love your mom. You don't want to disappoint mom. So here's what happens—you do something that inherently you know you shouldn't have to do… and in trying to please your mom, you end up resenting your mom."
See Also: Named a TIME Best Invention and Backed by 5,000+ Users, Kara's Air-to-Water Pod Cuts Plastic and Costs — <a href="https://www.benzinga.com/money/americans-spend-1000-per-year-on-plastic-water-bottles-kara-pod-gives-you-clean-drinking-water-by-pulling-moisture-from-the-air">And You Can Invest At Just $6.37/Share</a>
Ramsey agreed: "I don't want you signing up at 23 years old for a 46-year-old babysitting job. That's just ridiculous."
In closing, he told Caitlin what he believes is truly going on. "I don't know what kind of person it is that actually feels okay about themselves when they are <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/06/46130083/can-you-guess-what-an-upper-class-retirees-monthly-income-looks-like-heres-what-the-wealthy-are-actually-living-on">planning to fail</a> and dump it on their own kids."
Ramsey offered to cover the cost for Caitlin and her mom to enroll in the class together. "We want to help you fix this problem," he said. "But I want you to hear me loud and clear: Mom is responsible for Mom. Not you."
Read Next: <a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a>
Image: Shutterstock

Personal Finance

23-Year-Old Cybersecurity Grad Says Her Mom Has $0 Saved For Retirement and Wants Support, But Dave Ramsey Warns It's An 'Emotional Trap'

Dow Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DOW#NYSE">DOW</a>) is moving forward with a series of <a target="_blank" href="https://www.benzinga.com/pressreleases/25/07/n46269864/dow-will-shut-down-three-upstream-european-assets-in-response-to-structural-challenges-in-the-regi" rel="noreferrer noopener">strategic asset closures</a> across Europe as part of a broader restructuring plan to boost long-term profitability and streamline global operations.
The decision, approved by the board, involves winding down operations at an ethylene cracker in Böhlen and chlor-alkali and vinyl units in Schkopau, Germany, and a siloxanes facility in Barry, U.K. The closures will begin in mid-2026 and are expected to conclude by late 2027, with decommissioning continuing through 2029.
The restructuring, first <a target="_blank" href="https://www.benzinga.com/25/04/44978321/dow-posts-surprise-profit-as-volumes-rise-in-q1-but-cash-flow-and-capex-outlook-signal-market-caution" rel="noreferrer noopener">outlined</a> in April, is expected to boost operating EBITDA by approximately $200 million annually by 2029. Dow will spend about $500 million over four years to carry out the changes and expects to take charges of $630 million to $790 million, including severance, asset disposal, and write-downs.
Also Read: <a target="_blank" href="https://www.benzinga.com/markets/asset-sales/25/06/45721138/dow-exits-dowaksa-jv-stays-course-on-best-owner-strategy" rel="noreferrer noopener">Dow Exits DowAksa JV, Stays Course On &#8216;Best-Owner&#8217; Strategy</a>
Chair and CEO Jim Fitterling said the actions reflect ongoing efforts to respond to weak market conditions and high costs in Europe. &#8220;We&#8217;re committed to unlocking value from targeted growth projects and strengthening our cash flow with over $6 billion in near-term support,&#8221; he said.
Approximately 800 Dow roles will be impacted as a result of these actions. These roles are in addition to the $1&nbsp;billion cost savings actions&nbsp;announced in January&nbsp;that included a workforce reduction of approximately 1,500 Dow roles globally.
Dow said it will coordinate with local stakeholders and follow legal requirements in each country throughout the process.
The company said the restructuring will reduce its reliance on higher-cost, energy-intensive operations and allow it to focus on more profitable downstream demand.
Related ETFs: Materials Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLB#NYSE">XLB</a>), iShares U.S. Basic Materials ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYM#NYSE">IYM</a>).
Price Action: DOW shares are trading lower by 2.04% to $27.88 at last check Monday.
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</ul>
Photo via Shutterstock

Large Cap

Movers

iShares Trust Dow Jones US Basic Materials Sector Index Fund

Dow Cuts 800 Jobs, Shuts Major European Facilities To Boost Profit

Crown Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCK#NYSE">CCK</a>) has outperformed the market over the past 20 years by 1.76% on an annualized basis producing an average annual return of 10.21%. Currently, Crown Holdings has a market capitalization of $12.56 billion. 
Buying $100 In CCK: If an investor had bought $100 of CCK stock 20 years ago, it would be worth $689.15 today based on a price of $107.90 for CCK at the time of writing.
<h3>Crown Holdings's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751899538_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Trading Ideas

$100 Invested In Crown Holdings 20 Years Ago Would Be Worth This Much Today

Keefe, Bruyette &amp; Woods analyst Bose George downgrades NMI Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NMIH#NASDAQ">NMIH</a>) from Outperform to Market Perform and raises the price target from $42 to $43.

NMIH

Keefe, Bruyette & Woods Downgrades NMI Holdings to Market Perform, Raises Price Target to $43

Rocket Lab Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RKLB#NASDAQ">RKLB</a>) joined the Russell 1000, and NASA announced a major streaming partnership last week. Here&#8217;s a look at recent highlights, news catalysts, and upcoming events in the <a href="https://www.benzinga.com/news/space/25/06/46185205/rocket-lab-breaks-records-and-stock-up-640-in-past-year-ast-spacemobile-impresses-defense-kuiper-grows">space stock sector. </a>
<h3 class="wp-block-heading">Rocket Lab</h3>
Rocket Lab joined the Russell 1000 index last Monday, reflecting a <a href="https://www.benzinga.com/news/space/25/07/46210595/650-later-rocket-lab-ceo-isnt-one-bit-worried">significant increase</a> in the company&#8217;s market capitalization. The inclusion is based on ranking among the top 1,000 companies by market cap in the Russell 3000 Index.&nbsp;
Keybanc analyst Michael Leshock on Thursday maintained an Overweight rating on Rocket Lab stock and raised the price target from $29 to $40.&nbsp;
Read Next: <a href="https://www.benzinga.com/markets/large-cap/25/07/46223791/elon-musks-stupid-actions-will-be-teslas-nail-in-the-coffin-ross-gerber-warns?utm_source=articleShare">Elon Musk&#8217;s &#8216;Stupid&#8217; Actions Will Be Tesla&#8217;s &#8216;Nail In The Coffin,&#8217; Ross Gerber Warns</a>
<h3 class="wp-block-heading">NASA &amp; Netflix&nbsp;</h3>
NASA and streaming giant Netflix Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NFLX#NASDAQ">NFLX</a>) announced <a href="https://www.benzinga.com/news/space/25/06/46182689/elon-musk-wants-you-to-stream-rocket-launches-heres-how-to-get-breathtaking-live-views-of-earth">a partnership</a> last Monday to stream NASA+ live programming. 
NASA and Netflix expressed a shared dedication to ushering in a &#8220;Golden Age of Innovation and Expansion,&#8221; with aims to ignite curiosity and inspire future generations.
The partnership will introduce exciting new programming, including:
<ul class="wp-block-list">
<li>Live streams of rocket launches</li>
<li>Real-time astronaut spacewalks</li>
<li>Stunning live footage of Earth from the International Space Station</li>
<li>Comprehensive coverage of space missions</li>
</ul>
&#8220;The National Aeronautics and Space Act of 1958 calls on us to share our story of space exploration with the broadest possible audience,&#8221; NASA+ general manager Rebecca Sirmons <a href="https://www.nasa.gov/news-release/nasa-is-coming-to-netflix-this-summer/?utm_source=TWITTER&amp;utm_medium=NASA&amp;utm_campaign=NASASocial&amp;linkId=835859747">said</a>.
<h3 class="wp-block-heading">Planet Labs</h3>
Shares of Planet Labs PBC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PL#NYSE">PL</a>) <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46199452/planet-labs-pl-stock-surges-on-major-defense-contracts">surged</a> last week after the satellite imaging company announced a series of major recent contract wins with global defense and intelligence agencies.
The <a href="https://www.benzinga.com/pressreleases/25/07/b46193767/planet-secures-four-major-wins-for-ai-enabled-solutions-in-the-defense-and-intelligence-sector">agreements</a> include a €240 million contract funded by Germany, which incorporates a multi-year, eight-figure annual renewal for data and AI services.
In the U.S., the Defense Innovation Unit expanded its contract with Planet to provide AI-driven alerts for the Indo-Pacific Command.&nbsp;
The company also <a href="https://www.benzinga.com/pressreleases/25/07/b46193767/planet-secures-four-major-wins-for-ai-enabled-solutions-in-the-defense-and-intelligence-sector">secured</a> a seven-figure expansion with the U.S. Navy for Pacific maritime surveillance and a separate seven-figure deal with NATO for persistent monitoring.
Planet Labs stock is up more than 60% year-to-date.&nbsp;
Read Next:&nbsp;
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/trading-ideas/movers/25/07/46236537/openai-says-tokens-are-not-equity-no-partnership-with-robinhood-musk-says-ai-companys-equity-is-fake?utm_source=articleShare">OpenAI Says Tokens Are Not Equity, No Partnership With Robinhood: Musk Says AI Company&#8217;s Equity &#8216;Is Fake&#8217;</a></li>
</ul>
Image: Shutterstock

SPACE

Tech

General

NFLX

RKLB

Space Stock Watch: Rocket Lab Joins Russell 1000, NASA And Netflix Announce Streaming Deal

Canaccord Genuity analyst Susan Anderson maintains Helen Of Troy (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HELE#NASDAQ">HELE</a>) with a Buy and lowers the price target from $53 to $47.

HELE

Canaccord Genuity Maintains Buy on Helen Of Troy, Lowers Price Target to $47

Keefe, Bruyette &amp; Woods analyst Bose George downgrades Essent Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ESNT#NYSE">ESNT</a>) from Outperform to Market Perform and raises the price target from $65 to $67.

ESNT

Keefe, Bruyette & Woods Downgrades Essent Group to Market Perform, Raises Price Target to $67

Wells Fargo analyst Elyse Greenspan initiates coverage on Ategrity Specialty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ASIC#NYSE">ASIC</a>) with a Overweight rating and announces Price Target of $29.

Initiation

ASIC

Wells Fargo Initiates Coverage On Ategrity Specialty with Overweight Rating, Announces Price Target of $29

Stifel analyst Brian Chin maintains Camtek (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CAMT#NASDAQ">CAMT</a>) with a Buy and raises the price target from $84 to $98.

CAMT

Stifel Maintains Buy on Camtek, Raises Price Target to $98

William Blair analyst Andrew Jeffrey initiates coverage on Chime Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CHYM#NASDAQ">CHYM</a>) with a Outperform rating.

CHYM

William Blair Initiates Coverage On Chime Financial with Outperform Rating

Piper Sandler analyst Clarke Jeffries maintains Olo (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OLO#NYSE">OLO</a>) with a Neutral and raises the price target from $8 to $10.25.

Piper Sandler Maintains Neutral on Olo, Raises Price Target to $10.25

As the Trump-Musk feud shows no signs of abating and Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) stock has fallen more than 20% in just six weeks, questions mount over whether the electric carmaker still deserves its spot among the elite <a href="https://www.benzinga.com/markets/tech/25/07/46273662/no-plan-b-teslas-musk-premium-is-on-thin-ice">&#8220;Magnificent Seven&#8221; tech giants.</a>
On Monday, shares of Tesla plummeted 7.5% after Elon Musk announced his intention to form a new political faction, the &#8220;America Party.&#8221;
<h3 class="wp-block-heading">Broadcom Rises As Tesla Stumbles: Is Time For A Mag 7 Swap?</h3>
Broadcom Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AVGO#NASDAQ">AVGO</a>) might be gaining momentum as a potential replacement for Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) in the so-called "Magnificent Seven" – which also include Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>), Microsoft Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NYSE">MSFT</a>), Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), Amazon.com Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>), Alphabet Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) and Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>). 
Tesla has dropped to the 11th-largest company in the world by market capitalization, now trailing Berkshire Hathaway Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRK#NYSE">BRK</a>) (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRK#NYSE">BRK</a>), with a valuation of $937 billion.
Broadcom, meanwhile, has climbed to a market capitalization of $1.320 trillion, making it the eighth-largest globally and seventh in the U.S., right behind Meta.
Broadcom has crushed Tesla on total return over every key period: 
<ul class="wp-block-list">
<li>Year-to-date: Broadcom up 18.5% vs. Tesla down 27.5% </li>
<li>6-month: Broadcom up 18.1%, Tesla down 28.7% </li>
<li>1-year: Broadcom up 59.8%, Tesla up just 18.8% </li>
<li>3-year: Broadcom up 505.9%, Tesla up 28.8% </li>
<li>5-year: Broadcom up 876.2%, Tesla up 263.3% </li>
<li>10-year: Broadcom up 2,467.2%, Tesla up 1,468.1%</li>
</ul>
And that raises a big question: Should Broadcom replace Tesla in the market's most-watched group of U.S. mega-cap tech stocks?
<h3 class="wp-block-heading">Musk's Political Drama Adds To Tesla's Slide</h3>
Until May 2025, Musk was a major ally of President Donald Trump—donating over $100 million during the 2024 Republican campaign and even leading the administration's Department of Government Efficiency.
But everything changed when Trump backed the "Big Beautiful Bill"—a sweeping tax cut and spending plan Musk publicly denounced as reckless.
In early June, Musk launched a wave of attacks on Trump via X, accusing him of "bankrupting America" and calling for the bill to be scrapped. Trump fired back on Truth Social, threatening to cut off government support for Tesla and SpaceX.
Just a month later, Musk escalated again—launching a new political movement, the America Party, aimed at breaking the two-party system. The group is already active, with Tesla CFO Vaibhav Taneja named as its treasurer, according to federal filings.
Now, Tesla is more than an electric car company—it&#8217;s tied to a political campaign. That's a risk many investors didn't sign up for.
<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">The America Party is needed to fight the Republican/Democrat Uniparty <a href="https://t.co/fEqDuddOoI">https://t.co/fEqDuddOoI</a>
&mdash; Elon Musk (@elonmusk) <a href="https://twitter.com/elonmusk/status/1942003079521472760?ref_src=twsrc%5Etfw">July 6, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/economic-data/25/07/46253377/warren-buffett-trading-indicator-sp500-valuations">This Indicator Made Warren Buffett Famous — But It&#8217;s Been Wrong About The Market For Years</a></li>
</ul>
Image created using artificial intelligence via Midjourney.

Equities

Government

Regulations

AAPL

AMZN

AVGO

GOOGL

MSFT

NVDA

TSLA

Musk Chaos Could Oust Tesla From Mag 7, Making Way For Broadcom

Piper Sandler analyst Rob Owens downgrades CrowdStrike Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CRWD#NASDAQ">CRWD</a>) from Overweight to Neutral and maintains the price target from $505 to $505.

CRWD

Piper Sandler Downgrades CrowdStrike Holdings to Neutral, Maintains Price Target to $505

WIIM

Core Scientific, Inc. - Class A Common Stock

CORZ

Core Scientific shares are trading lower following a merger announcement with CorWeave.

Halozyme Therapeutics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HALO#NASDAQ">HALO</a>) has outperformed the market over the past 15 years by 2.0% on an annualized basis producing an average annual return of 14.27%. Currently, Halozyme Therapeutics has a market capitalization of $6.64 billion. 
Buying $1000 In HALO: If an investor had bought $1000 of HALO stock 15 years ago, it would be worth $7,847.10 today based on a price of $53.89 for HALO at the time of writing.
<h3>Halozyme Therapeutics's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751898613_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

HALO

Here's How Much You Would Have Made Owning Halozyme Therapeutics Stock In The Last 15 Years

Piper Sandler analyst Patrick Moley initiates coverage on Chime Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CHYM#NASDAQ">CHYM</a>) with a Overweight rating and announces Price Target of $40.

Piper Sandler Initiates Coverage On Chime Financial with Overweight Rating, Announces Price Target of $40

William Blair analyst Louie DiPalma upgrades CACI International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CACI#NYSE">CACI</a>) from Market Perform to Outperform.

Upgrades

CACI

William Blair Upgrades CACI International to Outperform

William Blair analyst Jed Dorsheimer downgrades Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) from Outperform to Market Perform.

William Blair Downgrades Tesla to Market Perform

Chime Financial Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CHYM#NASDAQ">CHYM</a>) just vaulted to the <a href="https://www.benzinga.com/news/financing">sixth-largest debit card issuer </a>in the U.S., all without a single physical branch.
JPMorgan analyst Tien‑tsin Huang initiated coverage on the stock with an Overweight rating and a $40 price target for December 2026. That&#8217;s about 28% upside from the current $31.32 level.
<h2 class="wp-block-heading">The Fintech That Cracked The Code</h2>
Chime didn't just stumble into scale &#8211; it engineered it. With 8.6 million members &#8211; mostly everyday Americans earning under $100K &#8211; it built trust through a "low cost, no cost" ethos. 
More than two-thirds of members use Chime as their primary banking account. And because of convenient features like SpotMe overdraft protection, users saved over $2 billion in fees in 2024 alone, noted Huang.
Read Also: <a href="https://www.benzinga.com/analyst-stock-ratings/initiation/25/07/46272029/this-rockwell-automation-analyst-begins-coverage-on-a-bullish-note-here-are-top-4-initiations-for-monday">This Rockwell Automation Analyst Begins Coverage On A Bullish Note; Here Are Top 4 Initiations For Monday</a>
<h2 class="wp-block-heading">Spend First, Earn Later</h2>
Here's where the magic compounds: Huang highlighted that members swipe 50+ times per month, averaging $15K in annual spending &#8211; over four times what typical debit users spend. That non-discretionary spending means ~75% of Chime's revenue flows from merchant interchange fees, not high-risk lending. 
Think of it as transactional gold, not loan gamble.
<h2 class="wp-block-heading">Scale, Engagement, Product Velocity</h2>
Chime's "spend-first, permission-to-lend" model delivers two things: engagement and expansion. With ChimeCore, its proprietary platform, it can scale new fintech features rapidly. 
And now, by lowering barriers on its MyPay earned wage access, Huang said, the company is lowering user acquisition costs while boosting annual member revenue to around $442 &#8211; nearly double Chime's average ARPU.
<h2 class="wp-block-heading">Why $40 By 2026?</h2>
JPMorgan is applying a 9x multiple to projected 2027 transaction profits, a level that peers in fintech comfortably trade at. With 20%+ revenue CAGR and 10-point budget expansion in adjusted EBITDA margins, Chime looks like a bank &#8211; without the baggage.
Chime's mission isn't just marketing &#8211; it's a moat. It has cracked everyday banking for the underserved, built trust, and created a loyalty-driven revenue engine, says Huang.
And Wall Street is finally noticing: this non-bank could become one of the fintechs to watch.
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