The financial technology, or fintech, industry was one of the hardest hit parts of the stock market in the post-pandemic bear market, but there are still some excellent opportunities. PayPal ( PYPL -1.45% ) is one great example with a stock price that is still about 70% below its 2021 peak and excellent turnaround progress in 2024, while SoFi ( SOFI -3.74% ) is an app-based bank with tremendous momentum. However, these are two very different businesses. Here's a rundown of the bull cases for both stocks and what to keep in mind before you decide which is best for you. PayPal wiped the slate clean and is now moving forward After growth stagnated in the post-pandemic era and management didn't have a clear path to restoring the once-strong momentum, PayPal decided to make some big leadership changes. Not only was former Intuit (NASDAQ: INTU) executive Alex Chriss named CEO, but the entire executive leadership team was replaced. The focus of the team was initially on efficiency. In the most recent quarter, PayPal's revenue grew by just 6% year over year, but thanks to efficiency improvements, earnings per share (EPS) soared by 22%. Management continues to buy back stock hand over fist, and the company is doing a great job with engagement, as evidenced by a 9% increase in transactions per active account. However, many of the most exciting moves PayPal has made aren't reflected in the numbers yet. For example, the company announced it is creating an advertising platform and hired the former head of Uber 's (NYSE: UBER) ad business to run it. It rolled out its Fastlane checkout product recently, as well as its PayPal Everywhere cash-back, debit-card initiative. And PayPal has announced several key partnerships, most notably with Shopify (NYSE: SHOP) to offer PayPal as a checkout option to U.S. customers. In short, PayPal's efficiency efforts have been paying off. In 2025, its growth initiatives started to show results. SoFi is one of the best products of the SPAC boom Hundreds of companies went public through blank-check companies, or SPACs (special purpose acquisition companies) in the 2020 to 2021 time frame, and to be honest, the bulk of them didn't turn out well for investors. SoFi -- which used one of Chamath Palihapitiya's SPACs to go public -- is a notable exception. I don't say that just because it's one of the few with a share price above the $10 initial SPAC valuation. I say that SoFi is one of the best products of the SPAC era because not only has it sustained incredible growth momentum, but it has become profitable in the process. Over the past three years, SoFi's member base has more than tripled, with 35% year-over-year growth in the most recent quarter. About 8.5 million financial services products like bank accounts, investment accounts, and credit cards have been opened in that period. And SoFi's deposit base grew from zero when it first got its banking charter in early 2022 to $24.4 billion in customer deposits. As mentioned, SoFi has become consistently profitable, and its bottom-line income could soar in the next few years as the business continues to scale. Two great fintech opportunities To be perfectly clear, I don't think anyone will go wrong with either of these stocks. In fact, they are the two largest fintech investments I own in my portfolio (in full disclosure, SoFi is the bigger position). PayPal shines when it comes to profitability, but there's a lot that needs to go right for sustainable growth to return to the business. On the other hand, SoFi is growing at an impressive pace and has been growing rapidly for years but just recently became profitable and is still in full growth mode. The best choice for you depends on which of those profiles fits best with your investment style.Ultimately, the harrowing experience of the woman who spent $18,000 on a failed leg surgery serves as a cautionary tale for anyone considering cosmetic procedures. It underscores the importance of conducting thorough research, verifying credentials, and prioritizing safety when it comes to enhancing one's appearance.
Overall, the launch of BlueStacks Air marks a significant milestone in the world of Android emulation, particularly for Apple ARM Mac users. With its exceptional performance, advanced features, and user-friendly interface, BlueStacks Air sets a new standard for Android emulation on Mac devices. Whether you're a seasoned gamer or a newbie looking to dip your toes into the world of mobile gaming, BlueStacks Air is the ultimate choice for experiencing Android games on your Apple ARM Mac. So why wait? Dive into the world of mobile gaming with BlueStacks Air and elevate your gaming experience to new heights.Title: Refined Measures on Supervision of Centralized Procurement of Drugs and Medical Consumables Enhance Full-Process Regulation
Natural gas projects accelerate as Virginia’s energy needs soarOne of Dr. Chen's most successful initiatives is the "Starry Nights" program, where families and community groups gather for stargazing events and hands-on astronomy activities. Through telescopic observations of celestial objects and engaging storytelling sessions, participants are encouraged to ponder the mysteries of the cosmos and appreciate the beauty of the night sky. "It's important to create opportunities for direct experiences with science," Dr. Chen explained. "When people have a chance to see the wonders of the universe up close, they develop a sense of awe and curiosity that motivates them to learn more."
China Economic Outlook 2024: Multiple Drivers Propel High-Quality DevelopmentManchester City and Chelsea Set to Earn £60 Million from Club World Cup, Reports SayHowever, despite his success at Real Madrid, there have been rumors circulating that Raúl-Asensio may be considering a move away from the club in search of more playing time and opportunities to further develop his talent. This has sparked concern among fans and management alike, as losing such a talented player could have a significant impact on the team's performance in the upcoming seasons.
The case of the corrupt primary school principal is just the latest in a series of high-profile corruption scandals that have rocked the country in recent years. Despite the government's intensified efforts to combat corruption through anti-corruption campaigns and strict enforcement measures, incidents of bribery and embezzlement continue to surface, underscoring the deep-seated nature of the problem.
BLOOMINGTON — Myles Rice scored 18 points to lead Indiana to a 77-68 victory over Winthrop on Sunday. Rice made 7 of 13 shots and all four of his free throws for the Hoosiers (10-3), who improved to 9-0 at home by holding the Eagles (10-5) scoreless over the final 3:16 to wrap up the victory. He added four rebounds, three assists and three steals. Malik Reneau totaled 14 points and seven rebounds for Indiana. Trey Galloway added 11 points and five assists. Langdon Hatton had a game-high 11 rebounds to go with seven points off the bench. K.J. Doucet and Kasen Harrison both scored 14 to lead Winthrop, which fell to 1-4 on the road. Doucet grabbed 12 rebounds for his third double-double of the season. Kelton Talford scored 13 and Paul Jones III and Nick Johnson added 10 points apiece. Rice had 12 points in the first half to help Indiana take a 41-37 advantage into the break. Doucet had eight points and Harrison and Jones both scored seven to keep Winthrop close. Luke Goode followed his basket with a three-point play to give Indiana a 54-47 lead with 15:15 left to play. Talford finished off a three-point play to get Winthrop within three with 11:34 to go. Reneau answered with a basket and Mackenzie Mgbako followed with a dunk as Indiana quickly pushed its lead back to seven. Johnson buried a 3-pointer with 3:16 remaining to pull Winthrop within a point at 69-68, but the Eagles went scoreless from there. Indiana will host Rutgers on Saturday in a Big Ten Conference matchup. Winthrop returns home to play South Carolina Upstate on Thursday in a Big South Conference opener.The long sports-filled Thanksgiving weekend is a time when many Americans enjoy gathering with friends and family for good food, good company and hopefully not too much political conversation. Also on the menu — all the NFL and college sports you can handle. Here's a roadmap to one of the biggest sports weekends of the year, with a look at marquee games over the holiday and how to watch. All times are in EST. All odds are by BetMGM Sportsbook. • NFL: There is a triple-header lined up for pro football fans. Chicago at Detroit, 12:30 p.m., CBS: Rookie quarterback Caleb Williams and the Bears go against the Lions, who are one of the favorites to reach the Super Bowl in February. Lions favored by 10. New York at Dallas, 4:30 p.m., Fox: The Giants and Cowboys are both suffering through miserable seasons and are now using backup quarterbacks for different reasons. But if Dallas can figure out a way to win, it will still be on the fringe of the playoff race. Cowboys favored by 3 1/2. Miami at Green Bay, 8:20 p.m., NBC/Peacock: The Packers stumbled slightly out of the gate but have won six of their past seven games. They'll need a win against Miami to try to keep pace in the NFC North. Packers favored by 3. • College Football: Memphis at No. 18 Tulane, 7:30 p.m., ESPN. If college football is your jam, this is a good warmup for a big weekend. The Tigers try to ruin the Green Wave’s perfect record in the American Athletic Conference. Tulane is favored by 14. Kansas City Chiefs quarterback Patrick Mahomes works in the pocket against the Carolina Panthers during the first half of Sunday's game in Charlotte, N.C. • NFL: A rare Friday showdown features the league-leading Chiefs. Las Vegas at Kansas City, 3 p.m. Prime Video: The Chiefs and quarterback Patrick Mahomes are 12-point favorites over the Raiders. • College Basketball: Some of the top programs meet in holiday tournaments around the country. Battle 4 Atlantis championship, 5:30 p.m., ESPN: One of the premier early season tournaments, the eight-team field includes No. 3 Gonzaga, No. 14 Indiana and No. 24 Arizona. Rady Children's Invitational, 6 p.m., Fox: It's the championship game for a four-team field that includes No. 13 Purdue and No. 23 Mississippi. • College Football: There is a full slate of college games to dig into. Oregon State at No. 11 Boise State, noon, Fox: The Broncos try to stay in the College Football Playoff hunt when they host the Beavers. Boise State favored by 19 1/2. Oklahoma State at No. 23 Colorado, noon, ABC: The Buffaloes and Coach Prime are still in the hunt for the Big 12 championship game when they host the Cowboys. Colorado favored by 16 1/2. Georgia Tech at No. 6 Georgia, 7:30 p.m., ABC: The Bulldogs are on pace for a spot in the CFP but host what could be a tricky game against rival Georgia Tech. Georgia favored by 19 1/2. • NBA. After taking Thanksgiving off, pro basketball returns. Oklahoma City at Los Angeles Lakers, 10 p.m., ESPN: The Thunder look like one of the best teams in the NBA's Western Conference. They'll host Anthony Davis, LeBron James and the Lakers. • College Football. There are more matchups with playoff implications. Michigan at No. 2 Ohio State, noon, Fox: The Wolverines are struggling one season after winning the national title. They could make their fan base a whole lot happier with an upset of the Buckeyes. Ohio State favored by 21. No. 7 Tennessee at Vanderbilt, noon, ABC: The Volunteers are a fairly big favorite and have dominated this series, but the Commodores have been a tough team this season and already have achieved a monumental upset over Alabama. Tennessee favored by 11. No. 16 South Carolina at No. 12 Clemson, noon, ESPN: The Palmetto State rivals are both hanging on the edge of the CFP playoff race. A win — particularly for Clemson — would go a long way toward clinching its spot in the field. Clemson favored by 2 1/2. No. 3 Texas at No. 20 Texas A&M, 7:30 p.m. ABC: The Aggies host their in-state rival for the first time since 2011 after the Longhorns joined the SEC. Texas favored by 5 1/2. Washington at No. 1 Oregon, 7:30 p.m., NBC: The top-ranked Ducks have been one of the nation’s best teams all season. They’ll face the Huskies, who would love a marquee win in coach Jedd Fisch’s first season. Oregon favored by 19 1/2. • NBA: A star-studded clash is part of the league's lineup. Golden State at Phoenix, 9 p.m., NBA TV: Steph Curry and the Warriors are set to face the Suns' Big Three of Kevin Durant, Devin Booker and Bradley Beal. • NFL: It's Sunday, that says it all. Pittsburgh at Cincinnati, 1 p.m., CBS: Joe Burrow is having a great season for the Bengals, who are struggling in other areas. They need a win to stay in the playoff race, hosting a Steelers team that's 8-3 and won five of their past six. Bengals favored by 3. Arizona at Minnesota, 1 p.m., Fox: The Cardinals are tied for the top of the NFC West while the Vikings are 9-2 and have been one of the biggest surprises of the season with journeyman Sam Darnold under center. Vikings favored by 3 1/2. Philadelphia at Baltimore, 4:25 p.m., CBS: Two of the league's most electric players will be on the field when Saquon Barkley and the Eagles travel to face Lamar Jackson and the Ravens. Ravens favored by 3. San Francisco at Buffalo, 8:20 p.m. NBC/Peacock: The 49ers try to get back to .500 against the Bills, who have won six straight. Bills favored by 7. • NBA. The best teams in the Eastern Conference meet in a statement game. Boston at Cleveland, 6 p.m., NBA TV: The defending champion Celtics travel to face the Cavs, who won their first 15 games to start the season. • Premier League: English soccer fans have a marquee matchup. Manchester City at Liverpool, 11 a.m., USA Network/Telemundo. The two top teams meet with Manchester City trying to shake off recent struggles. • Auto Racing: The F1 season nears its conclusion. F1 Qatar Grand Prix, 11 a.m., ESPN2 – It's the penultimate race of the season. Max Verstappen already has clinched his fourth consecutive season championship. Before the 2023 National Football League season started, it seemed inevitable that Bill Belichick would end his career as the winningest head coach in league history. He had won six Super Bowls with the New England Patriots and 298 regular-season games, plus 31 playoff games, across his career. Then the 2023 season happened. Belichick's Patriots finished 4-13, the franchise's worst record since 1992. At the end of the year, Belichick and New England owner Robert Kraft agreed to part ways. And now, during the 2024 season, Belichick is on the sideline. He's 26 wins from the #1 spot, a mark he'd reach in little more than two seasons if he maintained his .647 career winning percentage. Will he ascend the summit? It's hard to tell. Belichick would be 73 if he graced the sidelines next season—meaning he'd need to coach until at least 75 to break the all-time mark. Only one other NFL coach has ever helmed a team at age 73: Romeo Crennel in 2020 for the Houston Texans. With Belichick's pursuit of history stalled, it's worth glancing at the legends who have reached the pinnacle of coaching success. Who else stands among the 10 winningest coaches in NFL history? Stacker ranked the coaches with the most all-time regular-season wins using data from Pro Football Reference . These coaches have combined for 36 league championships, which represents 31.6% of all championships won throughout the history of pro football. To learn who made the list, keep reading. You may also like: Ranking the biggest NFL Draft busts of the last 30 years - Seasons coached: 21 - Years active: 1984-98, 2001-06 - Record: 200-126-1 - Winning percentage: .613 - Championships: 0 As head coach of Cleveland, Kansas City, Washington, and San Diego, Marty Schottenheimer proved a successful leader during the regular season. Notably, he was named Coach of the Year after turning around his 4-12 Chargers team to a 12-4 record in 2004. His teams, however, struggled during the playoffs. Schottheimer went 5-13 in the postseason, and he never made it past the conference championship round. As such, the Pennsylvania-born skipper is the winningest NFL coach never to win a league championship. - Seasons coached: 25 - Years active: 1946-62, '68-75 - Record: 213-104-9 - Winning percentage: .672 - Championships: 7 The only coach on this list to pilot a college team, Paul Brown, reached the pro ranks after a three-year stint at Ohio State and two years with the Navy during World War II. He guided the Cleveland Browns—named after Brown, their first coach—to four straight titles in the fledgling All-America Football Conference. After the league folded, the ballclub moved to the NFL in 1950, and Cleveland continued its winning ways, with Brown leading the team to championships in '50, '54, and '55. He was fired in 1963 but returned in 1968 as the co-founder and coach of the Cincinnati Bengals. His other notable accomplishments include helping to invent the face mask and breaking pro football's color barrier . - Seasons coached: 29 - Years active: 1960-88 - Record: 250-162-6 - Winning percentage: .607 - Championships: 2 The first head coach of the Dallas Cowboys, Tom Landry held the position for his entire 29-year tenure as an NFL coach. The Cowboys were especially dominant in the 1970s when they made five Super Bowls and won the big game twice. Landry was known for coaching strong all-around squads and a unit that earned the nickname the "Doomsday Defense." Between 1966 and 1985, Landry and his Cowboys enjoyed 20 straight seasons with a winning record. He was elected to the Hall of Fame in 1990. - Seasons coached: 26 - Years active: 1999-present - Record: 267-145-1 - Winning percentage: .648 - Championships: 3 The only active coach in the top 10, Andy Reid has posted successful runs with both the Philadelphia Eagles and Kansas City. After reaching the Super Bowl once in 14 years with the Eagles, Reid ratcheted things up with K.C., winning three titles since 2019. As back-to-back defending champions, Reid and Co. are looking this season to become the first franchise to three-peat in the Super Bowl era and the third to do so in NFL history after the Packers of 1929-31 and '65-67. Time will tell if Reid and his offensive wizardry can lead Kansas City to that feat. - Seasons coached: 29 - Years active: 1991-95, 2000-23 - Record: 302-165 - Winning percentage: .647 - Championships: 6 The most successful head coach of the 21st century, Bill Belichick first coached the Cleveland Browns before taking over the New England Patriots in 2000. With the Pats, Belichick combined with quarterback Tom Brady to win six Super Bowls in 18 years. Belichick and New England split after last season when the Patriots went 4-13—the worst record of Belichick's career. His name has swirled around potential coaching openings , but nothing has come of it. Belichick has remained in the media spotlight with his regular slot on the "Monday Night Football" ManningCast. - Seasons coached: 40 - Years active: 1920-29, '33-42, '46-55, '58-67 - Record: 318-148-31 - Winning percentage: .682 - Championships: 6 George Halas was the founder and longtime owner of the Chicago Bears and coached the team across four separate stints. Nicknamed "Papa Bear," he built the ballclub into one of the NFL's premier franchises behind players such as Bronko Nagurski and Sid Luckman. Halas also played for the team, competing as a player-coach in the 1920s. The first coach to study opponents via game film, he was once a baseball player and even made 12 appearances as a member of the New York Yankees in 1919. He was inducted into the Hall of Fame in 1963 as both a coach and owner. Get local news delivered to your inbox!
In the end, the retirement of the 34-year-old Brazilian defender and his twin brother symbolizes the end of an era, but also the beginning of a new chapter. As they bid farewell to the hallowed grounds of the football pitch, their contributions, spirit, and love for the game will continue to inspire and resonate with fans and players around the world, keeping their legacy alive for generations to come.What does this phenomenon mean for climate change and the environment? Firstly, it serves as a stark reminder of the urgent need to address and mitigate the impacts of climate change. The fact that traditional weather patterns are becoming less reliable is a clear indication of the profound shifts occurring in our climate system. It highlights the importance of reducing greenhouse gas emissions, promoting sustainable practices, and investing in resilient infrastructure to adapt to the changing climate.
