SoFi Technologies Option Alert: Sep, 2026 $37 Calls at the Bid: 4700 vs 115 OI

SoFi Technologies Option Alert: Sep, 2026 $37 Calls at the Bid: 4700 @ $1.96 vs 115 OI; Ref=$21.5014

SoFi Technologies Option Alert: Sep 19 $20 Puts Sweep (64) near the Ask: 3704 vs 10523 OI; Earnings 7/29 Before Open 

SoFi Technologies Option Alert: Sep 19 $20 Puts Sweep (64) near the Ask: 3704 @ $1.41 vs 10523 OI; Earnings 7/29 Before Open Ref=$21.195

SoFi Technologies (NASDAQ:SOFI) Bolsa

SOFI TECHNOLOGIES INC

SoFi Techs

SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.

SoFi Technologies

xr:d:DAE9HpS4rJc:11383,j:9208019443350942158,t:23112213

News

SOFI

SoFi Technologies gana tracción tras anunciar ingresos de 3000 millones y beneficiarse de la postura de la Fed sobre las tasas de interés.

Acciones de SoFi suben un 5,7% en la semana tras previsiones de ingresos y señales de la Fed

San,Francisco,,Ca,,Usa,-,May,1,,2022:,Sofi,Logo

Movers

SoFi lanza su oferta de barrido de depósitos vía Galileo y sus acciones suben. ¿Impulso suficiente para romper la racha bajista?

¿Qué está pasando con las acciones de SoFi Technologies?

PTC Therapeutics, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PTCT#NASDAQ">PTCT</a>) announced it has gained FDA approval for <a href="https://www.benzinga.com/quote/PTCT">SEPHIENCE on Monday</a>.
&#8220;We are excited to have reached this important milestone for those affected by PKU,&#8221; said Matthew B. Klein, M.D., Chief Executive Officer of PTC Therapeutics. &#8220;The broad labeling reflects the potential of Sephience to meet the significant unmet need of PKU patients. The Sephience clinical data along with our expertise in launching rare disease therapies position Sephience to become the future standard of care. Our experienced customer facing teams are ready to bring this therapy to children and adults with PKU in the United States as quickly as possible.&#8221;
PTC Therapeutics shares gained 11.7% to trade at $49.53 on Tuesday.
These analysts made changes to their price targets on PTC Therapeutics following the announcement.
<ul class="wp-block-list">
<li>UBS analyst Colin Bristow maintained PTC Therapeutics with a Buy and raised the price target from $71 to $80.</li>
<li>Cantor Fitzgerald analyst Kristen Kluska maintained PTC Therapeutics with an Overweight rating and raised the price target from $112 to $120.</li>
<li>Wells Fargo analyst Tiago Fauth maintained the stock with an Overweight rating and raised the price target from $74 to $78.</li>
<li>Barclays analyst Gena Wang maintained PTC Therapeutics with an Equal-Weight rating and raised the price target from $42 to $46.</li>
</ul>
Considering buying PTCT stock? Here&#8217;s what analysts think: 
<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="586" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29112141/image-458-1024x586.png" alt="" class="wp-image-1005461" style="width:526px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29112141/image-458-1024x586.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29112141/image-458-300x172.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29112141/image-458-768x440.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29112141/image-458.png 1100w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
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</ul>
Photo via Shutterstock

Earnings

Price Target

Markets

Analyst Ratings

Trading Ideas

PTCT

These Analysts Increase Their Forecasts On PTC Therapeutics

B of A Securities analyst Tazeen Ahmad maintains PTC Therapeutics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PTCT#NASDAQ">PTCT</a>) with a Buy and raises the price target from $68 to $84.

B of A Securities Maintains Buy on PTC Therapeutics, Raises Price Target to $84

For years, liquidity was something you only worried about in a crisis — a variable in the background, not a front-line issue. But rising interest rates and persistent inflation have turned that equation upside down.
In June, U.S. consumer prices were running an annual CPI of 2.7%, above the Federal Reserve's comfort zone, while benchmark rates remain elevated at 4.25%–4.50%, unchanged since late 2024.
Institutional investors and fund managers are feeling the pressure, and they demand more agile, liquid structures for managing their capital. Liquidity today is no longer a passive consideration — it has become a strategic priority.&nbsp; Across the board, we are now seeing a pivot away from "patient capital" to a more tactical, real-time deployment of funds.
What's changing in investing?
Today, investors chase the highest possible returns. Instead, they want to know they can quickly and easily get their money back if needed.&nbsp; And this change in mindset is, in turn, driving increased interest in new strategies, markets and more flexible allocation models.
Secondaries, in particular, have emerged as a favored liquidity solution for private equity investors. In 2024, transactions in this market hit a record $160 billion, beating the previous high of $134 billion in 2021.
Evergreen funds are also attracting more attention. In Europe alone, assets under management in evergreen structures<a href="https://funds-europe.com/evergreen-and-eltif-fund-markets-soar-to-more-than-e83bn/"> grew</a> by 60% from 2023 to 2024, reaching nearly €63 billion by the end of the previous year. Thanks to their flexible subscription and redemption features, investors can enter and exit such funds more easily. Which is very much in demand right now.
Speaking in broader terms, more and more investors embrace "agile allocation" strategies — constant monitoring and redeploying capital based on live market signals rather than waiting for quarterly reports.
When liquidity can evaporate almost instantly, keeping an eye on things at all times is essential to ensure adjustments can be made quickly and worst outcomes avoided. That's a key lens through which portfolios are now being rebuilt.
Tokenization: Promise Without Demand Doesn't Sell
When tokenization was first marketed, it seemed like a great solution on paper. Turning real-world assets into digital tokens would "unlock liquidity" and democratize investing.&nbsp; But in practice, that promise often fails. Simply wrapping a hard-to-sell asset in a token doesn't make it easier to trade. If there's no market demand for the asset, tokenization won't solve that.
Take real estate, for example. Tokenized ownership of a poorly located building with weak rental yields is still an unattractive investment — no matter how you package it.&nbsp; We only need to look at the case of Aspen Coin for proof.
Back in 2018, a<a href="https://www.crowdfundinsider.com/2018/09/138839-aspen-coin-elevated-returns-is-tokenizing-real-estate-investments-expects-partnership-with-indiegogo-to-grow/"> luxury ski resort</a> was partially tokenized and hyped as one of the first tokenized real estate ventures. But after the initial fanfare settled down, very few buyers actually showed up, and liquidity levels did not measure up to expectations.
The underlying problem wasn't the technology — it was the lack of real demand. Market participation did not follow because investor interest waned. And that is a crucial point: liquidity isn't just about tech or structure.&nbsp; It's about whether the asset itself is appealing to buyers. Tokenization might offer wider access to investment, but without real demand, that's not going to matter.
Which is why I don't believe it is very realistic to expect tokenization to fix the broader liquidity issues. Some assets are illiquid for a reason — wrapping them up in digitization will not change that.
What the Market Actually Needs
The way I see it, the industry needs realism over hype. It needs tangible structural solutions instead of flashy wrappers or buzzwords that only serve to get temporary attention. This means rethinking fund design and developing execution strategies that account for volatility and market fragmentation.
Smart players are actively adapting. Hedge funds are reducing leverage and building cash buffers — essential when funding tightens or collateral demands spike. Some funds are also adopting Liquidity-at-Risk models that can calculate how much of a portfolio you can sell before prices are negatively impacted.
Quant firms are embedding liquidity signals into trading models to avoid AI-driven spirals. With so many strategies now reacting to the same headlines, the risk of artificially-triggered selloffs is very real and needs to be accounted for.
Asset managers are segmenting portfolios by liquidation speed — T+1, T+3, T+5, depending on how quickly they can be unwound. They are also employing tools like swing pricing and redemption gates — all to help plan ahead for orderly exits and avoid scrambling at the last minute.&nbsp;
In short: liquidity is not something to think about during or after the storm. When cracks start showing up, you need to be already prepared. So the best thing to do is to start planning well ahead.
Benzinga Disclaimer: This article is from an unpaid external contributor. It does not represent Benzinga&#8217;s reporting and has not been edited for content or accuracy.

Opinion

Personal Finance

General

From Patient Capital to Active Liquidity: Rewriting the Playbook In The Post-Rate Hike Era

Scotiabank analyst Phil Hardie maintains First National Financial (TSX:<a class="ticker" href="https://www.benzinga.com/stock/FN#TSX">FN</a>) with a Sector Perform and raises the price target from C$46 to C$48.

TSX:FN

Scotiabank Maintains Sector Perform on First National Financial, Raises Price Target to C$48

Johnson Controls International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JCI#NYSE">JCI</a>), the diversified global leader in smart, healthy, and sustainable buildings, saw its shares trade modestly lower on Tuesday, despite reporting a <a href="https://www.benzinga.com/pressreleases/25/07/n46682695/johnson-controls-reports-strong-q3-results-raises-fy25-guidance">strong third quarter</a> that surpassed analyst expectations. 
The company, a prominent American-Irish multinational conglomerate specializing in fire, HVAC, and security equipment for buildings, delivered strong top-line growth and improved profitability, leading to an upward revision of its fiscal 2025 earnings guidance.
For the third quarter, Johnson Controls posted total sales of $6.05 billion, a 2.6% increase year-over-year, comfortably exceeding the <a href="https://www.benzinga.com/calendars/earnings">consensus analyst estimate of $5.97 billion</a>. This revenue expansion translated into adjusted earnings per share (EPS) of $1.05, a notable rise from $0.95 in the prior-year period, also outperforming analyst projections of $1.00.
Also Read: <a href="https://www.benzinga.com/analyst-ratings/price-target/25/05/45289362/johnson-controls-international-analysts-increase-their-forecasts-after-upbeat-earnings" target="_blank" rel="noreferrer noopener">Johnson Controls International Analysts Increase Their Forecasts After Upbeat Earnings</a>
The company&#8217;s gross profit for the quarter climbed 6.5% to $2.25 billion, elevating the gross margin by 135 basis points (bps) year-over-year to 37.1%. However, selling, general, and administrative (SG&amp;A) expenses saw a substantial increase of 58.3% to $1.42 billion. Income from continuing operations stood at $618 million, down from $851 million a year ago, with an operating margin of 10.2%.
A closer look at segment performance reveals varied regional dynamics. In the Americas, sales remained flat at $4.0 billion year-over-year, though organic sales demonstrated a healthy 7% increase, primarily driven by sustained strength in Applied HVAC and Controls. Excluding the impact of mergers &amp; acquisitions (M&amp;A) and adjusted for foreign currency fluctuations, orders in the Americas segment grew 5% year-over-year, contributing to a 10% increase in backlog to $10.3 billion. The segment&#8217;s EBITA margin, however, saw a 150 basis point decline to 18.4%, largely attributed to the effects of divestitures and prior-year earn-out adjustments.
The Europe, Middle East, and Africa (EMEA) region recorded an 8% rise in sales to $1.3 billion. Organic sales growth of 4% was led by an 8% expansion in services, encompassing strong growth in Applied HVAC and Fire and Security sales. Orders, adjusted for M&amp;A and foreign currency, increased 2% year-over-year, pushing the backlog up 9% to $2.6 billion. The EMEA segment&#8217;s EBITA margin improved by 80 basis points to 13.9%, a testament to productivity enhancements and a favorable mix stemming from service growth.
In the Asia Pacific (APAC) region, sales advanced 7% to $737 million, with organic sales increasing by 6%, propelled by robust double-digit growth in the service business. Despite an 8% decrease in orders (excluding M&amp;A and foreign currency adjustments), the backlog in APAC expanded 14% year-over-year to $1.7 billion. The segment&#8217;s EBITA margin rose by 70 basis points to 19.4%, primarily due to productivity improvements.
From a liquidity standpoint, Johnson Controls generated $787 million in cash from operating activities from continuing operations during the quarter, with free cash flow reaching $693 million. The company concluded the quarter with a solid cash and equivalents position of $731 million as of June 30, 2025.
<h2 class="wp-block-heading">Outlook</h2>
Looking ahead, Johnson Controls provided an optimistic outlook. For the fourth quarter, the company anticipates adjusted EPS to range from $1.14 to $1.17, aligning closely with the <a href="https://www.benzinga.com/calendars/guidance">analyst consensus estimate of $1.15</a>. It also projects low-single-digit organic sales growth and an adjusted segment EBITA margin of approximately 18.6%.
For the full fiscal year 2025, Johnson Controls <a href="https://www.benzinga.com/25/05/45257579/johnson-controls-surpasses-q2-revenue-and-earnings-estimates-raises-eps-guidance-for-2025">raised its adjusted EPS outlook</a> to a range of $3.65 to $3.68, up from the previous estimate of $3.60, now squarely within the analyst consensus of $3.67. The company reiterated its expectation for mid-single-digit organic sales growth and maintained its forecast for an adjusted segment EBITA margin improvement of approximately 90 basis points year-over-year.
Despite the positive earnings report and upward guidance, Johnson Controls International shares experienced a slight downturn in Tuesday trading. The stock has surged over 41% year-to-date and gained over 35% in the last three months.
Price Action: At last check Tuesday, JCI shares were trading lower by 7.34% at $103.34.
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<li><a href="https://www.benzinga.com/markets/tech/25/07/46626379/alibaba-chinese-tech-firms-slash-ai-model-prices-to-win-developers" target="_blank" rel="noreferrer noopener">Alibaba, Chinese Tech Firms Slash AI Model Prices To Win Developers</a></li>
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Photo via Shutterstock

Guidance

Johnson Controls Posts Strong Backlog, Confident Outlook

WIIM

NEOG

Neogen shares are trading lower after the company reported mixed Q4 financial results and issued FY26 sales guidance below estimates.

With U.S. major stock indices at record highs and investor optimism running hot, Wall Street is entering one of the most critical 72-hour<a href="https://www.benzinga.com/markets"> stretches of the year. </a>
<ul class="wp-block-list">
<li>SPY ETF hit a new record high on July 29. <a href="https://www.benzinga.com/quote/SPY">Check the price action here.</a></li>
</ul>
Between Tuesday and Thursday, companies representing a combined $19.5 trillion in market capitalization are set to report quarterly earnings—offering a litmus test for the sustainability of the tech-led rally. 
Six companies alone, including four Magnificent Seven giants, account for $12 trillion of that total. 
According to <a href="https://www.benzinga.com/pro/?utm_source=BZprocontent&amp;t=be2bearmibe3na1">Benzinga Pro</a>&nbsp;estimates, here's a look at the key earnings and revenue reports this week that could drive major market moves.
<h3 class="wp-block-heading">Tuesday, July 29</h3>
Visa Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) — After Market
<ul class="wp-block-list">
<li>Expected EPS: $2.83 (vs. $2.42 prior), up by 17.4%</li>
<li>Expected Revenue: $10.33 billion (vs. $8.9B prior), up by 16.1%</li>
<li>Market Cap: $714.2 billion</li>
<li>Quarter: Q3 2025</li>
<li>Year-to-date performance: 12.66%</li>
</ul>
Read more: <a href="https://www.benzinga.com/insights/earnings/25/07/46660296/a-peek-at-visas-future-earnings">A Peek at Visa&#8217;s Future Earnings</a>
<h3 class="wp-block-heading">Wednesday, July 30</h3>
Microsoft Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) — After Market
<ul class="wp-block-list">
<li>Expected EPS: $3.37 (vs. $2.95 prior), up by 14.2%</li>
<li>Expected Revenue: $73.8 billion (vs. $64.7B prior), up by 14%</li>
<li>Market Cap: $3.82 trillion</li>
<li>Quarter: Q4 2025</li>
<li>Year-to-date performance: 22.1%</li>
</ul>
In a note shared Tuesday, Goldman Sachs analyst Kash Rangan said that "Microsoft is well-positioned to capitalize as Gen-AI moves into platform and application layers, just as it did during the cloud transition."
Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) — After Market
<ul class="wp-block-list">
<li>Expected EPS: $5.86 (vs. 5.16 prior), up by 13.3%</li>
<li>Expected Revenue: $44.58 billion (vs. $39.07B prior), up by 13.7%</li>
<li>Market Cap: $1.82 trillion</li>
<li>Quarter: Q2 2025</li>
<li>Year-to-date performance: 21.88%</li>
</ul>
Read more: <a href="https://www.benzinga.com/analyst-stock-ratings/reiteration/25/07/46668016/metas-strong-revenues-may-offset-concerns-over-soaring-ai-investments-analyst">Meta&#8217;s Strong Revenues May Offset Concerns Over Soaring AI Investments: Analyst</a>
<h3 class="wp-block-heading">Thursday, July 31</h3>
Mastercard Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) — Pre-Market
<ul class="wp-block-list">
<li>Expected EPS: $4.02 (vs. $3.59 prior), up by 12%</li>
<li>Expected Revenue: $7.95 billion (vs. $7.00B prior) up by 13.4%</li>
<li>Market Cap: $524.4B</li>
<li>Quarter: Q2 2025</li>
<li>Year-to-date performance: 7.94%</li>
</ul>
Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) — After Market
<ul class="wp-block-list">
<li>Expected EPS: $1.42 (vs. $1.40 prior), up by 1.4%</li>
<li>Expected Revenue: $88.93B (vs. $85.8B prior), up by 3.6%</li>
<li>Market Cap: $3.19T</li>
<li>Quarter: Q3 2025</li>
<li>Year-to-date performance: -15%</li>
</ul>
&#8220;Apple should deliver a revenue and EPS beat, driven by double-digit growth in Services, strength across Products including iPhones, Mac, iPad, and Wearables; and better-than-expected gross margins reflecting on better tariff-related costs and forex headwinds,&#8221; said Goldman Sachs&#8217; analyst Michael Ng.
According to the analyst, iPhone upgrade demand over the next 12 months should benefit from stronger U.S. carrier promotions and new product innovations, including Apple Intelligence and upcoming form factor changes like the iPhone 17 Air and a foldable iPhone 18.
Goldman Sachs maintains a Buy rating on Apple stock with a 12-month price target of $251, suggesting a potential 20% upside from current levels.
Read more: <a href="https://www.benzinga.com/markets/tech/25/07/46680504/apple-faces-18-month-deadline-to-deliver-on-ai-says-analyst">Apple To Shut Down China Retail Store For First Time Ever, Citing Shifting Mall Landscape Amid Consumer Slowdown</a>
Amazon.com Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) — After Market
<ul class="wp-block-list">
<li>Expected EPS: $1.31 (vs. $1.26 prior), up by 4.8%</li>
<li>Expected Revenue: $161.87 billion (vs. $147.98B prior), up by 9.4%</li>
<li>Market Cap: $2 trillion</li>
<li>Quarter: Q2 2025</li>
<li>Year-to-date performance: 5.5%</li>
</ul>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/tech/25/07/46686037/nvidia-is-now-worth-twice-tesla-amd-palantir-and-intel-combined">Nvidia Is Now Worth Twice Tesla, AMD, Palantir, And Intel Combined </a></li>
</ul>
Image created using artificial intelligence via Midjourney.

Analyst Color

Equities

Large Cap

Macro Economic Events

Economics

Tech

AAPL

AMZN

MSFT

$19.5 Trillion Earnings Blitz: Wall Street Faces Make-Or-Break 72 Hours

B of A Securities analyst Justin Post maintains eBay (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EBAY#NASDAQ">EBAY</a>) with a Neutral and raises the price target from $71 to $82.

EBAY

B of A Securities Maintains Neutral on eBay, Raises Price Target to $82

QURE

uniQure shares are trading lower after the company reported worse-than-expected Q2 sales results.

Barclays analyst David Strauss maintains RTX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTX#NYSE">RTX</a>) with a Equal-Weight and raises the price target from $130 to $153.

Barclays Maintains Equal-Weight on RTX, Raises Price Target to $153

Cadence Design Systems Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CDNS#NASDAQ">CDNS</a>) reported better-than-expected second-quarter financial results and raised <a href="https://www.benzinga.com/quote/CDNS/earnings">its FY25 adjusted EPS and revenue guidance on Monday.</a>
Cadence Design Systems reported second-quarter revenue of $1.28 billion, beating analyst estimates of $1.26 billion. The company reported second-quarter adjusted earnings of $1.65 per share, beating estimates of $1.58 per share, according to Benzinga Pro.
Cadence Design Systems raised its 2025 revenue outlook to 13% year-over-year growth. The company now expects full-year revenue between $5.21 billion and $5.27 billion versus estimates of $5.19 billion.
Cadence also raised its full-year adjusted earnings guidance from a range of $6.73 to $6.83 per share to a new range of $6.85 to $6.95 per share versus estimates of $6.79 per share. The company expects third-quarter adjusted earnings to be in between $1.75 and $1.81 per share versus estimates of $1.72 per share.
"The strength and breadth of our products are enabling us to lead through the accelerating waves of the AI Supercycle, from AI infrastructure build-out, to physical AI in autonomous systems, to the emerging frontier of science AI," said Anirudh Devgan, president and CEO of Cadence Design Systems.
Cadence Design shares gained 8.2% to trade at $361.21 on Tuesday.
These analysts made changes to their price targets on Cadence Design following earnings announcement.
<ul class="wp-block-list">
<li>Needham analyst Charles Shi maintained Cadence Design Systems with a Buy and raised the price target from $325 to $390.</li>
<li>Mizuho analyst Siti Panigrahi maintained the stock with an Outperform rating and raised the price target from $360 to $375.</li>
<li>Piper Sandler analyst Clarke Jeffries downgraded the stock from Overweight to Neutral and raised the price target from $328 to $355.</li>
<li>Rosenblatt analyst Blair Abernethy maintained Cadence Design with a Neutral and raised the price target from $300 to $320.</li>
<li>Stifel analyst Ruben Roy maintained the stock with a Buy and raised the price target from $350 to $395.</li>
<li>Keybanc analyst Jason Celino maintained Cadence Design Systems with an Overweight rating and raised the price target from $358 to $405.</li>
<li>Wells Fargo analyst Joe Quatrochi maintained the stock with an Overweight and raised the price target from $365 to $405.</li>
</ul>
Considering buying CDNS stock? Here&#8217;s what analysts think: 
<figure class="wp-block-image size-large is-resized"><a href="https://www.benzinga.com/quote/CDNS/analyst-ratings"><img loading="lazy" decoding="async" width="1024" height="607" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29111546/image-457-1024x607.png" alt="" class="wp-image-1005438" style="width:666px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29111546/image-457-1024x607.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29111546/image-457-300x178.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29111546/image-457-768x455.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/29111546/image-457.png 1096w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
Read This Next: 
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</ul>
Photo via Shutterstock

CDNS

These Analysts Boost Their Forecasts On Cadence Design Systems Following Upbeat Q2 Earnings

Wells Fargo &amp; Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>) today announced its board of directors approved a quarterly common stock dividend of $0.45 per share, payable Sept. 1, 2025, to stockholders of record on Aug. 8, 2025. The third quarter dividend represents an increase of $0.05 per share, or 12.5%, from the prior quarter.

Dividends

Wells Fargo & Company Increases Quarterly Dividend From $0.40 To $0.45 Per Share

The most important decision you make is who you marry. When you commit to a spouse, you'll eventually have a big wedding day. However, if you're broke, financial guru Dave Ramsey suggests avoiding anything fancy on the big day. He's especially critical of going on a <a href="https://x.com/DaveRamsey/status/1948380527649554751">big destination wedding</a> if you're struggling to pay your bills. This advice also applies if you are invited to a friend's destination wedding.
"Broke people don't need to be going on vacation," Ramsey said.
Ramsey elaborated on why he thinks it is a bad idea. Most of his breakdown comes from crunching the financial numbers and assessing the situation. However, there is another key detail Ramsey mentions that is worth considering as you plan your special day.
Don't Miss:
<ul class="wp-block-list">
<li>Be part of the breakthrough that could replace plastic as we know it—<a href="https://www.benzinga.com/money/timeplast-advertorial">invest in Timeplast before the July 31st deadline and help revolutionize a $1.3T industry.</a></li>
<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
</ul>
<h2 class="wp-block-heading">You Can Use That Money To Pay Off Your Debt</h2>
Ramsey explains that even if you make room in your budget for the destination wedding, all of that extra money could have gone toward paying off debt. Even worse, the big wedding day will put you deeper into debt, giving interest more time to compound.
Using the money to pay off debt instead of attending the wedding will put you on track with your long-term financial goals. Couples getting married can do something cheaper instead of a destination wedding. If you're invited to a destination wedding, you can politely decline and mention finances, a separate time commitment, or something else.
Getting deeper into debt is the worst possible way to climb out of debt. You're digging a deeper hole for yourself if you opt for a destination wedding.&nbsp;
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<h2 class="wp-block-heading">Broke People Need To Work</h2>
Ramsey also said that broke people need to work. It may be necessary to work a part-time job in addition to your full-time job. You may also have to pick up a side hustle to make ends meet. Luckily, you don't have to work at this intensity forever. However, if you continue to put off extra work, you will stay in debt longer.
Setting long-term financial goals can help you commit to short-term work for long-term gain. Establishing your goals can also help you stay away from wasteful spending that derails your path to zero debt.&nbsp;
Ramsey believes that broke people do not have time for vacations, not just destination weddings. Vacations are expensive, and you typically don't work while you are on vacation. Ramsey's advice boils down to practicing good financial habits and staying disciplined now so you can live the type of life that few people can achieve in the future.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Relationships Come And Go</h2>
Marriages are supposed to last forever, and that should be the goal of every couple. However, if you are invited to someone else's destination wedding, it's good to consider how quickly people can enter and exit your life.&nbsp;
Ramsey says that there is about a 90% chance that you will have no relationship with the couple 25 years from now. It doesn't make sense to go deeper into debt for a couple who you may lose touch with in the future.&nbsp;
Only a few friends stick with you for a few decades, and you typically don't have to attend a destination wedding to ensure that they are a part of your life. It's not always easy to reject these types of experiences or opt for a smaller wedding for you and your spouse, but it's worth it in the long run if you are broke.
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Image: Shutterstock

Dave Ramsey Tells Broke People To Skip Destination Weddings: 'Broke People Don't Need To Be Going On Vacation'

Home Depot (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HD#NYSE">HD</a>) has outperformed the market over the past 20 years by 3.16% on an annualized basis producing an average annual return of 11.74%. Currently, Home Depot has a market capitalization of $374.83 billion. 
Buying $100 In HD: If an investor had bought $100 of HD stock 20 years ago, it would be worth $912.66 today based on a price of $376.75 for HD at the time of writing.
<h3>Home Depot's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1753802113_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.

If You Invested $100 In This Stock 20 Years Ago, You Would Have This Much Today

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Incyte Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INCY#NASDAQ">INCY</a>) reported on Tuesday that its second-quarter revenue was $1.22 billion, up 16% year over year. The company beat the <a href="https://www.benzinga.com/calendars/earnings" target="_blank" rel="noreferrer noopener">consensus of $1.15 billion</a>.
Incyte&#8217;s adjusted earnings were $1.57 per share. That&#8217;s a turnaround from a loss of $1.82 a year ago and beating the <a href="https://www.benzinga.com/pressreleases/25/07/b46682802/incyte-reports-2025-second-quarter-financial-results-and-provides-updates-on-key-clinical-programs" target="_blank" rel="noreferrer noopener">consensus estimate of $1.41</a>.
The company&#8217;s Q2 results reflect &#8220;strong growth,&#8221; said Incyte CEO Bill Meury. Jakafi (ruxolitinib), Opzelura (ruxolitinib) cream, and Niktimvo (axatilimab) position the company to deliver on 2025 objectives, he added.
Also Read: <a href="https://www.benzinga.com/news/health-care/25/06/45946402/incytes-experimental-therapy-shows-platelet-normalization-and-safety-in-rare-blood-cancer-trials-across-doses" target="_blank" rel="noreferrer noopener">Incyte&#8217;s Experimental Therapy Shows Platelet Normalization And Safety In Rare Blood Cancer Trials Across Doses</a>
<ul class="wp-block-list">
<li>Jakafi&#8217;s net product revenue increased 8% to $764 million, driven by an increase in paid demand of 8% reflecting continued demand growth in all indications.</li>
<li>Opzelura net product revenue increased 35% to $164 million, driven by increased patient demand and refills in both atopic dermatitis (AD) and vitiligo.</li>
<li>Minjuvi/Monjuvi net product revenue remained almost stagnant at $31.13 million.</li>
</ul>
In June, the U.S. Food and Drug Administration (FDA) approved Monjuvi (tafasitamab-cxix) in combination with rituximab and lenalidomide for adult patients with relapsed or <a target="_blank" href="https://www.benzinga.com/pressreleases/25/06/b46005808/incyte-announces-fda-approval-of-monjuvi-tafasitamab-cxix-in-combination-with-rituximab-and-lenali" rel="noreferrer noopener">refractory follicular lymphoma</a>.
Guidance: Incyte&nbsp;is raising its revenue guidance for Jakafi to account for higher demand in the first half of 2025.&nbsp;
The company expects 2025 Jakafi net product revenues of $3 billion—$3.05 billion, compared to <a href="https://www.benzinga.com/pressreleases/25/04/b45062303/incyte-reports-2025-first-quarter-financial-results-and-provides-updates-on-key-clinical-programs" target="_blank" rel="noreferrer noopener">prior guidance of $2.95 billion—$3 billion</a>.
Incyte&nbsp;is also raising its revenue guidance for other oncology products to reflect the strength of the Niktimvo launch, higher demand for Zynyz in the first half of the year, and the positive impact of foreign currency exchange rates.
The company expects other oncology net product revenues of $500&nbsp;million—$520 million, up from prior guidance of $415&nbsp;million—$455 million.
Opzelura&#8217;s sales guidance remains unchanged at $630 million—$670 million. The company sees Opzelura as a double-digit CAGR business in the U.S. and internationally over the next several years.
During an earnings conference call, Incyte said inventory accounts for less than&nbsp;5%&nbsp;of&nbsp;the second quarter sales and is stabilizing in the expected range.
Reuters cites Incyte&#8217;s CEO as saying the company has several important product launches planned between now and 2030. The company also added that it is focused on transitioning to a new set of durable product growth drivers by 2029.
William Blair said, &#8220;While the near-term steady growth of Jakafi in approved indications provides meaningful cash flow, the loss of exclusivity at the end of 2028 remains the focus for investors.&#8221;
Analyst Matt Phipps says that setbacks in clinical trials for the drugs Incyte got from Escient, along with underwhelming results for povorcitinib in treating hidradenitis suppurativa, have taken away important chances for the company to shift its story toward new product launches.
William Blair rates Incyte <a target="_blank" href="https://www.benzinga.com/quote/INCY/analyst-ratings" rel="noreferrer noopener">stock at Market Perform</a>.
Additional success with Opzelura in ongoing studies, povorcitinib in additional indications, or the earlier-stage myeloproliferative neoplasm pipeline can potentially provide longer-term upside.
In June, the FDA extended the review period for the supplemental New Drug Application for ruxolitinib cream (Opzelura) for children 2-11 years old with mild to moderate atopic dermatitis (AD). The Prescription Drug User Fee Act (PDUFA) action date has been extended by <a target="_blank" href="https://www.benzinga.com/pressreleases/25/06/b46038527/update-on-fda-review-of-ruxolitinib-cream-opzelura-for-children-ages-2-11-with-atopic-dermatitis" rel="noreferrer noopener">three months to September 19</a>.
William Blair writes that the near-term clinical readouts will be insufficient to change investor sentiment.
Price Action: INCY stock is up 6.15% at $74.47&nbsp;at the last check on Tuesday.
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Date	Put/Call	Strike Price	Exp Date	DTE	Trade Vol	Day Vol	Vol / OI	OI	Trade Type	Sentiment
10:27 AMJul 24, 2025	CALL	$37.00	Sep 18, 2026	415	4802	4700	4176	115	TRADE	NEUTRAL
10:24 AMJul 23, 2025	PUT	$20.00	Sep 19, 2025	51	1628	3704	15	10523	SWEEP	BEARISH

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