Don't even think about retiring in America if one of these four things describes you in 2025
Retirement is often seen as life's golden chapter. It offers the rich rewards of years of hard work: leisure, travel, and the freedom to make your own decisions.
But not everyone's ready, especially with a persistent and alarming percentage of Americans feeling they won't have enough money to cover their retirements.
If you're eyeing retirement, it's time to analyze your financial and personal situation and consider these five critical signs that you might not be ready to retire — along with solutions to address these challenges.
Spoiler alert: It's (mostly) about the money.
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##1. You haven't saved enough
One of the most glaring signs you're not ready to retire is inadequate savings. A common benchmark is having at least eight times your annual salary saved by the time you retire, but many Americans fall short. Especially with the increasing cost of living, saving for retirement is now more important than ever — but it can be even harder to achieve.
How do you find extra money in your budget to put towards investments? With Acorns, you can automatically save and invest spare change from your day-to-day purchases, bulking up your portfolio significantly.
Here's how it works: when you make a purchase with your debit or credit card, Acorns rounds up the price to the nearest dollar and invests the excess into a smart portfolio.
If you want to reap the tax benefits on your investments, you can [open an IRA account] with Acorns, too.
With an Acorns Silver account, you get access to Acorns Later, a retirement IRA with a 1% match on new contributions. You can also opt for the Acorns Gold plan, which offers a 3% IRA on new contributions.
Sign up today to get a $20 bonus when you set up a recurring investment.
If you are skeptical about market fluctuations or worried about inflation eroding your savings, you can also choose to invest your money in gold.
One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.
Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.
To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.
##2. You rely heavily on Social Security
If your retirement plan depends primarily on Social Security benefits, it's time to think again. Social Security is designed to supplement your retirement income, not replace it entirely.
One of the surest workarounds is developing multiple income streams, such as investments, rental properties, or part-time work, to reduce your reliance on Social Security. Educate yourself on strategies to maximize your benefits, such as delaying until age 70 for the highest possible monthly payment.
Additionally, withdrawing 4-5% annually from a well-diversified portfolio can give you an additional $20,000-$25,000 from a $500,000 investment.
Also, consider establishing an emergency fund to cover unexpected expenses, such as hospital stays, car repairs or even veterinarian bills. This will ensure you can dedicate your Social Security check to routine expenses.
Consulting a professional can help you navigate your retirement savings and plan ahead so that you are not dependent on your Social Security benefit, and Advisor.com can help you find someone that's right for you.
This online platform connects you with vetted financial advisors in minutes. How it works is easy: Just answer a few quick questions about yourself and your finances, and the platform will match you with a financial advisor best suited to helping you make your money last in retirement.
From here, you can view their profile, read past client reviews and schedule an initial consultation for free with no obligation to hire.
Read more: Nervous about the stock market? Gain potential quarterly income through this $1B private real estate fund — even if you're not a millionaire.
##3. You haven't accounted for healthcare costs
Health care is one of the largest expenses in retirement, and many underestimate its impact. Medicare doesn't cover everything, and long-term care costs can quickly deplete your savings.
Researching Medicare and supplemental insurance plans to understand what is and isn't covered can help with planning. Many older Americans opt for long-term care insurance to protect against future healthcare costs.
Shopping around for insurance can also help you reduce your premium significantly, lowering the strain on your monthly budget. If you are under the age of 65, you can compare rates offered by insurance providers near you through U65 Health Insurance for free.
Here's how it works: Enter your zip code, age range, and household income, and U65 Health Insurance will show you offers from reputable insurance providers including United Health, Kaiser, Anthem, and more.
##4. You have significant debt
Carrying heavy debt into retirement is a problem. Whether it's credit card debt, a mortgage, or student loans, debt drains your retirement savings and increases stress during what should be a relaxed time.
It's important to prioritize paying off high-interest debt first. Consider using strategies like the avalanche method, which involves paying off the highest-interest debt first. Or opt for the snowball method, which pays off the smallest debts first to build momentum.
You can also opt for debt consolidation — take out a personal loan and repay outstanding debt with proceeds. Then, you are left with only one low-interest payment.
You can check the rates offered by various lenders on personal loans for debt consolidation through Credible in just two minutes. You can get personal loans at rates as low as 6.94% APR — potentially saving you thousands of dollars in interest payments.
The best part? Checking rates through Credible is completely free and won't hurt your credit score.
What to read next
Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now
Here are 5 simple ways to grow rich with real estate if you don't want to play landlord. And you can even start with as little as $10
Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead
Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free.
This article provides information only and should not be construed as advice. It is provided without warranty of any kind.
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Earnings live: Applied Materials stock falls on Q4 guidance, Quantum Computing sinks
Second quarter earnings season is winding down, and with most of the reports in, the results have been mostly positive. Over 90% of S&P 500 index companies have reported results, and as of Friday analysts expected S&P 500 companies to report an 11.8% jump in earnings per share during the second quarter. Companies had a lower expectation bar to clear coming into the quarter — analysts expected S&P 500 earnings to rise 5% in Q2, the slowest pace of earnings growth since Q4 2023 — amid President Trump's tariffs, stocks' lofty valuations, and uncertainty about the health of the US economy. Earnings this week include Applied Materials (AMAT), Circle (CRCL), Lenovo ( AMC (AMC), Cava (CAVA), Cisco (CSCO), CoreWeave (CRWV), Deere (DE), On (ONON), and Oklo (OKLO). Here are the latest updates from corporate America. With Nvidia's Q2 earnings in sight, Trump deal could boost outlook Nvidia's (NVDA) deal with President Trump to give the US government a 15% cut of H20 chip revenue in China adds an interesting wrinkle to the company's earnings. China has responded by urging companies not to use the chips. Yahoo Finance's Daniel Howley writes that the payment, which could face legal challenges, won't show up in Nvidia's Q2 report but could boost its Q3 outlook if the administration moves quickly. Howley notes: Read more here. McGraw Hill posts profitable quarter in first post-IPO earnings report McGraw Hill (MH) stock gained 2% after reporting its first quarterly results since going public. It traded around $13.61 on Thursday afternoon. In July, shares opened at $17 apiece in the company's IPO. Total revenue increased 2.4% year over year to $535.7 million. The education solutions company also swung to a $0.5 million profit, compared to its $9.4 million loss a year ago. Market share gains, enrollment, and continued demand for digital learning solutions fueled the higher education business, which saw revenue jump 14.1% year over year. Revenue for the K-12 segment, however, declined 1.4%. These two business units make up the bulk of McGraw Hill's business. The smaller international business noted weakness, with an 11.7% decrease in revenue, while sales in the global professional business held steady. For 2026, McGraw Hill sees revenue in a range of $1.98 billion to $2.04 billion. Listen to the earnings call here. Quantum Computing stock slips as losses accelerate Quantum Computing (QUBT) CEO Yuping Huang said that the company continued to make progress in growing commercial traction in the second quarter, but the industry is still focused on reaching technology milestones. Second quarter revenue totaled approximately $61,000, compared to $183,000 in the same period a year ago. The company reported a net loss of $36.5 million, or $0.26 per share. In Q2 2024, Quantum Computing posted a net loss of $5.2 million, or $0.06 per share. Quantum Computing stock fell 2.3% after hours in what's been a whipsaw year for quantum stocks. In June, the stock spiked 25% in one day after Nvidia CEO Jensen Huang said quantum computing "is reaching an inflection point." But the industry is still in its infancy. The other big quantum player, Rigetti Computing (RGTI), reported a technology breakthrough in its recent results but also big losses. "We are talking of a market that's hundreds of billions of dollars a decade or two from now," Rigetti CEO Subodh Kulkarni told Market Domination Overtime. "But right now, we are clearly in the R&D stage. We clearly need to perfect the technology to get to that big milestone in about four years, which we call quantum advantage." Read more about quantum computing here. Applied Materials stock sinks as policy uncertainty weighs on Q4 guidance Applied Materials (AMAT) recorded an earnings beat for the July quarter but said that the "dynamic" policy environment is creating uncertainty for the business. That led the chip equipment maker to issue a revenue forecast of $6.7 billion for the fourth quarter, below what the Street was expecting. 'We are expecting a decline in revenue in the fourth quarter driven by both digestion of capacity in China and nonlinear demand from leading-edge customers given market concentration and fab timing,' CFO Brice Hill said. 'We are navigating and adapting to the near-term uncertainties by leveraging our robust supply chain, global manufacturing footprint and deep customer relationships.' The company, whose clients include Taiwan Semiconductor and Intel, posted record revenue of $7.30 billion in Q3, up 8% year over year, surpassing estimates for $7.2 billion. Earnings per share of $2.48 also beat estimates by $0.12. Applied Materials stock fell 11% in after-hours trading. Read more here. Earnings and revenue beats lift Dillard's stock Dillard's (DDS) stock rose 7% on Thursday after the department store chain reported revenue and profit beats for the quarter. Net income fell to $72.8 million compared to $74.5 million a year ago, but earnings per share rose $0.07 year over year after the Arkansas-based company bought back stock. Revenue of $1.53 billion beat Wall Street estimates of $1.52 billion, according to S&P Global Market Intelligence. Earnings per share of $4.66 also topped estimates of $4.00 per share. Total retail sales were flat, with strength in juniors' and children's apparel as well as ladies' accessories and lingerie. The weakest performing category was home and furniture. Other major retailers, including Walmart (WMT), Target (TGT), and Macy's (M), will report second quarter results in the coming weeks, providing a more in-depth look into consumer spending habits. Dillard's stock is up 23% year to date. It has climbed 78% since its April 8 low. Advance Auto Parts stock sinks 14% on gloomy financial outlook Advance Auto Parts (AAP) stock sank 14% on Thursday morning after issuing a downbeat profit forecast. The Raleigh, N.C.-based company beat Wall Street's earnings estimates but lowered its full-year earnings per share outlook to $1.20-$2.20 from its previous range of $1.50-$2.50. Advance Auto Parts attributed this change to a higher net interest expense related to its recent senior notes offering. In the earnings call, executives noted that approximately 40% of the company's cost of goods is exposed to tariffs at a blended rate of 30%. During the quarter, Advance Auto Parts saw lower transactions but higher tickets, as prices increased by 2%. The company noted that its competitors are also raising prices in a similar fashion. "If you look at the maybe lower to mid-income cohorts, they are more pressured than others right now," CFO Ryan Grimsland said about the price impacts of tariffs. "The wages aren't necessarily fully keeping up with some of the inflation that's in there. And so there are trade-offs that they're making. And we're still seeing that. It'd be interesting to see how that plays out in the back half of the year." China's tops quarterly revenue estimates on steady e-commerce demand Chinese e-commerce giant (JD) rose 1% in premarket trading after the company beat estimates for quarterly revenue on Thursday, highlighting robust shopping traffic. However, profits halved year over year. Total revenue rose 22.4% to 356.66 billion yuan ($49.73 billion) during the second quarter, above analysts' average estimate of 331.63 billion yuan. Profit fell by more than 50% to 6.2 billion yuan ($864 million) from 12.6 billion yuan a year earlier as the company invests in new businesses such as food delivery, competing with Meituan (MPNGY) and Alibaba (BABA). Reuters reports: Read more here. Tapestry forecasts annual profit below estimates on tariff pain Tapestry (TPR) stock fell 8% before the bell on Thursday after the Coach handbag maker forecast annual profit below estimates. The company cited higher costs due to tariffs that have hit its margins. Reuters reports: Read more here. Lenovo stock drops despite profit beat Lenono Group LTD., the world's top PC maker, reported better-than-expected profit on PC sales but the stock dropped on worries over its cloud division. From Bloomberg Intelligence: Read more here. Deere's third-quarter profit falls, stock drops (Reuters) – Farm-equipment maker Deere & Co reported a lower third-quarter profit and tightened its annual profit forecast on Thursday, pressured by headwinds from U.S. tariffs and muted demand. ... Deere's net income in the third quarter came in at $1.29 billion, or $4.75 per share, compared with $1.73 billion, or $6.29 per share, a year earlier. Overall, quarterly sales fell about 9% to $12.02 billion from a year ago. Read more here. Birkenstock beats profit estimates on strong full-price footwear sales Reuters reports: Read more here. Nvidia partner Foxconn profit jumps after AI spending rises Foxconn, also known as Hon Hai Precision Industry Co., ( HNHPF, HNHAF) said on Thursday it expects higher third-quarter revenue due to robust demand for its artificial intelligence servers, which has helped the world's largest contract electronics maker beat forecasts and see a 27% increase in second-quarter profit. Reuters reports: Read more here. Cisco forecasts higher-than-expected quarterly revenue on increased demand Cisco Systems (CSCO) reported adjusted earnings per share of $0.99 in the fiscal fourth quarter, barely beating estimates of $0.98. Revenue was $14.67 billion versus an estimate of $14.63 billion. Its fiscal first quarter forecast for revenue was also better than expected, as the AI boom boosted demand for networking equipment from cloud customers. However, Cisco stock fell 2% after hours. Reuters reports: Read more here Brinker International stock pops as Chili's drives earnings beat Brinker International (EAT) stock jumped 9% in premarket trading on Wednesday after the restaurant group reported earnings and revenue that topped estimates, powered by another quarter of strong sales at Chili's. The company reported net income of $107 million, or $2.49 per share on an adjusted basis, on revenue of $1.46 billion in the fiscal fourth quarter. During the same period last year, Brinker posted net income of $57.3 million ($1.24 per share) on $1.2 billion in revenue. The results were also better than Wall Street expected. Estimates going into the report were for adjusted diluted earnings per share of $2.47 and revenue of $1.44 billion. Chili's was the standout this quarter, with 23.7% sales growth and 16% traffic growth. Comparable sales at Maggiano's declined 0.4%. "With that sustained momentum, along with a strong pipeline of initiatives, we are confident in our ability to grow sales and traffic throughout Fiscal 2026," CEO Kevin Hochman said in a statement. "Chili's is officially back, baby back!" Brinker expects fiscal 2026 revenue to be between $5.6 billion and $5.7 billion. It sees full-year earnings per share at $9.90 to $10.50. Dutch Bros CEO says company in 'growth mode' as Starbucks turnaround stokes beverage competition Yahoo Finance's Brooke DiPalma reports: Read more here. Tencent's revenue beats estimates in boost for AI ambitions Bloomberg News reports: Read more here. Cava stock plummets after company misses some of Wall Street's marks, cuts guidance Cava (CAVA) missed Wall Street's mark for revenue and same-store sales growth in its second quarterly earnings report. The company's revenue came in at $280.62 million, below the $285.56 million Wall Street expected, per Bloomberg consensus estimates. Adjusted earnings beat by $0.03, coming in at $0.16. Same-store sales came in lower than expected, up 2.1%, driven by menu prices and product mix. Meanwhile, guest foot traffic was flat, far less than the 6.14% jump expected by the Street. In the release, CEO Brett Schulman called it a "fluid macroeconomic environment," adding that it "continued to grow market share" during the quarter. For the full year, the company expects same-store sales growth of 4% to 6%, down from the previously expected range of 6% to 8%. CoreWeave Q2 revenue beats estimates, but results come up against high bar Nvidia (NVDA)-backed AI cloud company CoreWeave (CRWV) delivered solid revenue growth in its second quarterly report since going public, but its loss per share widened. The stock fell 6% in after-hours trading. Wall Street expected strong top-line numbers going into earnings, as robust AI demand, a deal with Core Scientific, and a $4 billion expansion deal with OpenAI ( fueled the quarter. Two of CoreWeave's key customers, Microsoft (MSFT) and Meta (META), also reaffirmed their spending plans going into the quarter in a bullish sign for AI demand. Here are some key figures CoreWeave reported versus estimates compiled by S&P Global Market Intelligence: Revenue beat: $1.21 billion, versus $1.08 billion estimated and $395.4 million a year ago. Wider loss per share: $0.60 loss per share, compared to a $0.49 loss estimated. Operating expenses increased: $1.19 billion in the quarter, compared to $317 million a year ago. Lighter capital expenditures on property and equipment: $2.45 billion, compared to estimates of $3.54 billion. Revenue backlog increased: $30.1 billion, as of June 30. In the first quarter, the company's backlog was $25.9 billion. "Our strong second quarter performance demonstrates continued momentum across every dimension of our business," CEO and co-founder Michael Intrator said in the earnings release. "We are scaling rapidly as we look to meet the unprecedented demand for AI.' CoreWeave said it will provide forward-looking guidance on its earnings call at 5 p.m. ET. You can listen to that call live on the company's stock page. Read more here. offers robotaxi production update as revenue surges Chinese robotaxi operator (PONY) reported revenue grew 76% year over year in the second quarter as the business scaled its autonomous vehicle production. The stock was up more than 1% in premarket trading but pared gains during the earnings call (you can listen to it live here). The Toyota-backed (TM) company began mass production of its two robotaxi models in June and July, respectively. Robotaxi revenue also surged over 300% to $1.5 million in the quarter. "Since mass production started two months ago, over 200 Gen-7 Robotaxi vehicles have rolled off the production line, putting us firmly on track to hit the year-end 1,000-vehicle target," CEO James Peng said in a statement. The company is still on its journey to profitability. For the quarter, it posted a net loss of $53.3 million (loss of $0.14 per share), compared to a loss of $30.9 million in the same period a year ago. Trading platform eToro beats profit estimates (Reuters) - Stock and crypto trading platform eToro beat Wall Street views for profit in the second quarter on Tuesday, as retail investors maintained a firm risk appetite despite broader macroeconomic uncertainty due to new tariffs. Shares of eToro rose in premarket trading after results. Retail trading activity has been strong this year, buoyed by gains in U.S. equity markets and renewed interest in high-risk assets such as cryptocurrencies and tech stocks. Read more here. With Nvidia's Q2 earnings in sight, Trump deal could boost outlook Nvidia's (NVDA) deal with President Trump to give the US government a 15% cut of H20 chip revenue in China adds an interesting wrinkle to the company's earnings. China has responded by urging companies not to use the chips. Yahoo Finance's Daniel Howley writes that the payment, which could face legal challenges, won't show up in Nvidia's Q2 report but could boost its Q3 outlook if the administration moves quickly. Howley notes: Read more here. Nvidia's (NVDA) deal with President Trump to give the US government a 15% cut of H20 chip revenue in China adds an interesting wrinkle to the company's earnings. China has responded by urging companies not to use the chips. Yahoo Finance's Daniel Howley writes that the payment, which could face legal challenges, won't show up in Nvidia's Q2 report but could boost its Q3 outlook if the administration moves quickly. Howley notes: Read more here. McGraw Hill posts profitable quarter in first post-IPO earnings report McGraw Hill (MH) stock gained 2% after reporting its first quarterly results since going public. It traded around $13.61 on Thursday afternoon. In July, shares opened at $17 apiece in the company's IPO. Total revenue increased 2.4% year over year to $535.7 million. The education solutions company also swung to a $0.5 million profit, compared to its $9.4 million loss a year ago. Market share gains, enrollment, and continued demand for digital learning solutions fueled the higher education business, which saw revenue jump 14.1% year over year. Revenue for the K-12 segment, however, declined 1.4%. These two business units make up the bulk of McGraw Hill's business. The smaller international business noted weakness, with an 11.7% decrease in revenue, while sales in the global professional business held steady. For 2026, McGraw Hill sees revenue in a range of $1.98 billion to $2.04 billion. Listen to the earnings call here. McGraw Hill (MH) stock gained 2% after reporting its first quarterly results since going public. It traded around $13.61 on Thursday afternoon. In July, shares opened at $17 apiece in the company's IPO. Total revenue increased 2.4% year over year to $535.7 million. The education solutions company also swung to a $0.5 million profit, compared to its $9.4 million loss a year ago. Market share gains, enrollment, and continued demand for digital learning solutions fueled the higher education business, which saw revenue jump 14.1% year over year. Revenue for the K-12 segment, however, declined 1.4%. These two business units make up the bulk of McGraw Hill's business. The smaller international business noted weakness, with an 11.7% decrease in revenue, while sales in the global professional business held steady. For 2026, McGraw Hill sees revenue in a range of $1.98 billion to $2.04 billion. Listen to the earnings call here. Quantum Computing stock slips as losses accelerate Quantum Computing (QUBT) CEO Yuping Huang said that the company continued to make progress in growing commercial traction in the second quarter, but the industry is still focused on reaching technology milestones. Second quarter revenue totaled approximately $61,000, compared to $183,000 in the same period a year ago. The company reported a net loss of $36.5 million, or $0.26 per share. In Q2 2024, Quantum Computing posted a net loss of $5.2 million, or $0.06 per share. Quantum Computing stock fell 2.3% after hours in what's been a whipsaw year for quantum stocks. In June, the stock spiked 25% in one day after Nvidia CEO Jensen Huang said quantum computing "is reaching an inflection point." But the industry is still in its infancy. The other big quantum player, Rigetti Computing (RGTI), reported a technology breakthrough in its recent results but also big losses. "We are talking of a market that's hundreds of billions of dollars a decade or two from now," Rigetti CEO Subodh Kulkarni told Market Domination Overtime. "But right now, we are clearly in the R&D stage. We clearly need to perfect the technology to get to that big milestone in about four years, which we call quantum advantage." Read more about quantum computing here. Quantum Computing (QUBT) CEO Yuping Huang said that the company continued to make progress in growing commercial traction in the second quarter, but the industry is still focused on reaching technology milestones. Second quarter revenue totaled approximately $61,000, compared to $183,000 in the same period a year ago. The company reported a net loss of $36.5 million, or $0.26 per share. In Q2 2024, Quantum Computing posted a net loss of $5.2 million, or $0.06 per share. Quantum Computing stock fell 2.3% after hours in what's been a whipsaw year for quantum stocks. In June, the stock spiked 25% in one day after Nvidia CEO Jensen Huang said quantum computing "is reaching an inflection point." But the industry is still in its infancy. The other big quantum player, Rigetti Computing (RGTI), reported a technology breakthrough in its recent results but also big losses. "We are talking of a market that's hundreds of billions of dollars a decade or two from now," Rigetti CEO Subodh Kulkarni told Market Domination Overtime. "But right now, we are clearly in the R&D stage. We clearly need to perfect the technology to get to that big milestone in about four years, which we call quantum advantage." Read more about quantum computing here. Applied Materials stock sinks as policy uncertainty weighs on Q4 guidance Applied Materials (AMAT) recorded an earnings beat for the July quarter but said that the "dynamic" policy environment is creating uncertainty for the business. That led the chip equipment maker to issue a revenue forecast of $6.7 billion for the fourth quarter, below what the Street was expecting. 'We are expecting a decline in revenue in the fourth quarter driven by both digestion of capacity in China and nonlinear demand from leading-edge customers given market concentration and fab timing,' CFO Brice Hill said. 'We are navigating and adapting to the near-term uncertainties by leveraging our robust supply chain, global manufacturing footprint and deep customer relationships.' The company, whose clients include Taiwan Semiconductor and Intel, posted record revenue of $7.30 billion in Q3, up 8% year over year, surpassing estimates for $7.2 billion. Earnings per share of $2.48 also beat estimates by $0.12. Applied Materials stock fell 11% in after-hours trading. Read more here. Applied Materials (AMAT) recorded an earnings beat for the July quarter but said that the "dynamic" policy environment is creating uncertainty for the business. That led the chip equipment maker to issue a revenue forecast of $6.7 billion for the fourth quarter, below what the Street was expecting. 'We are expecting a decline in revenue in the fourth quarter driven by both digestion of capacity in China and nonlinear demand from leading-edge customers given market concentration and fab timing,' CFO Brice Hill said. 'We are navigating and adapting to the near-term uncertainties by leveraging our robust supply chain, global manufacturing footprint and deep customer relationships.' The company, whose clients include Taiwan Semiconductor and Intel, posted record revenue of $7.30 billion in Q3, up 8% year over year, surpassing estimates for $7.2 billion. Earnings per share of $2.48 also beat estimates by $0.12. Applied Materials stock fell 11% in after-hours trading. Read more here. Earnings and revenue beats lift Dillard's stock Dillard's (DDS) stock rose 7% on Thursday after the department store chain reported revenue and profit beats for the quarter. Net income fell to $72.8 million compared to $74.5 million a year ago, but earnings per share rose $0.07 year over year after the Arkansas-based company bought back stock. Revenue of $1.53 billion beat Wall Street estimates of $1.52 billion, according to S&P Global Market Intelligence. Earnings per share of $4.66 also topped estimates of $4.00 per share. Total retail sales were flat, with strength in juniors' and children's apparel as well as ladies' accessories and lingerie. The weakest performing category was home and furniture. Other major retailers, including Walmart (WMT), Target (TGT), and Macy's (M), will report second quarter results in the coming weeks, providing a more in-depth look into consumer spending habits. Dillard's stock is up 23% year to date. It has climbed 78% since its April 8 low. Dillard's (DDS) stock rose 7% on Thursday after the department store chain reported revenue and profit beats for the quarter. Net income fell to $72.8 million compared to $74.5 million a year ago, but earnings per share rose $0.07 year over year after the Arkansas-based company bought back stock. Revenue of $1.53 billion beat Wall Street estimates of $1.52 billion, according to S&P Global Market Intelligence. Earnings per share of $4.66 also topped estimates of $4.00 per share. Total retail sales were flat, with strength in juniors' and children's apparel as well as ladies' accessories and lingerie. The weakest performing category was home and furniture. Other major retailers, including Walmart (WMT), Target (TGT), and Macy's (M), will report second quarter results in the coming weeks, providing a more in-depth look into consumer spending habits. Dillard's stock is up 23% year to date. It has climbed 78% since its April 8 low. Advance Auto Parts stock sinks 14% on gloomy financial outlook Advance Auto Parts (AAP) stock sank 14% on Thursday morning after issuing a downbeat profit forecast. The Raleigh, N.C.-based company beat Wall Street's earnings estimates but lowered its full-year earnings per share outlook to $1.20-$2.20 from its previous range of $1.50-$2.50. Advance Auto Parts attributed this change to a higher net interest expense related to its recent senior notes offering. In the earnings call, executives noted that approximately 40% of the company's cost of goods is exposed to tariffs at a blended rate of 30%. During the quarter, Advance Auto Parts saw lower transactions but higher tickets, as prices increased by 2%. The company noted that its competitors are also raising prices in a similar fashion. "If you look at the maybe lower to mid-income cohorts, they are more pressured than others right now," CFO Ryan Grimsland said about the price impacts of tariffs. "The wages aren't necessarily fully keeping up with some of the inflation that's in there. And so there are trade-offs that they're making. And we're still seeing that. It'd be interesting to see how that plays out in the back half of the year." Advance Auto Parts (AAP) stock sank 14% on Thursday morning after issuing a downbeat profit forecast. The Raleigh, N.C.-based company beat Wall Street's earnings estimates but lowered its full-year earnings per share outlook to $1.20-$2.20 from its previous range of $1.50-$2.50. Advance Auto Parts attributed this change to a higher net interest expense related to its recent senior notes offering. In the earnings call, executives noted that approximately 40% of the company's cost of goods is exposed to tariffs at a blended rate of 30%. During the quarter, Advance Auto Parts saw lower transactions but higher tickets, as prices increased by 2%. The company noted that its competitors are also raising prices in a similar fashion. "If you look at the maybe lower to mid-income cohorts, they are more pressured than others right now," CFO Ryan Grimsland said about the price impacts of tariffs. "The wages aren't necessarily fully keeping up with some of the inflation that's in there. And so there are trade-offs that they're making. And we're still seeing that. It'd be interesting to see how that plays out in the back half of the year." China's tops quarterly revenue estimates on steady e-commerce demand Chinese e-commerce giant (JD) rose 1% in premarket trading after the company beat estimates for quarterly revenue on Thursday, highlighting robust shopping traffic. However, profits halved year over year. Total revenue rose 22.4% to 356.66 billion yuan ($49.73 billion) during the second quarter, above analysts' average estimate of 331.63 billion yuan. Profit fell by more than 50% to 6.2 billion yuan ($864 million) from 12.6 billion yuan a year earlier as the company invests in new businesses such as food delivery, competing with Meituan (MPNGY) and Alibaba (BABA). Reuters reports: Read more here. Chinese e-commerce giant (JD) rose 1% in premarket trading after the company beat estimates for quarterly revenue on Thursday, highlighting robust shopping traffic. However, profits halved year over year. Total revenue rose 22.4% to 356.66 billion yuan ($49.73 billion) during the second quarter, above analysts' average estimate of 331.63 billion yuan. Profit fell by more than 50% to 6.2 billion yuan ($864 million) from 12.6 billion yuan a year earlier as the company invests in new businesses such as food delivery, competing with Meituan (MPNGY) and Alibaba (BABA). Reuters reports: Read more here. Tapestry forecasts annual profit below estimates on tariff pain Tapestry (TPR) stock fell 8% before the bell on Thursday after the Coach handbag maker forecast annual profit below estimates. The company cited higher costs due to tariffs that have hit its margins. Reuters reports: Read more here. Tapestry (TPR) stock fell 8% before the bell on Thursday after the Coach handbag maker forecast annual profit below estimates. The company cited higher costs due to tariffs that have hit its margins. Reuters reports: Read more here. Lenovo stock drops despite profit beat Lenono Group LTD., the world's top PC maker, reported better-than-expected profit on PC sales but the stock dropped on worries over its cloud division. From Bloomberg Intelligence: Read more here. Lenono Group LTD., the world's top PC maker, reported better-than-expected profit on PC sales but the stock dropped on worries over its cloud division. From Bloomberg Intelligence: Read more here. Deere's third-quarter profit falls, stock drops (Reuters) – Farm-equipment maker Deere & Co reported a lower third-quarter profit and tightened its annual profit forecast on Thursday, pressured by headwinds from U.S. tariffs and muted demand. ... Deere's net income in the third quarter came in at $1.29 billion, or $4.75 per share, compared with $1.73 billion, or $6.29 per share, a year earlier. Overall, quarterly sales fell about 9% to $12.02 billion from a year ago. Read more here. (Reuters) – Farm-equipment maker Deere & Co reported a lower third-quarter profit and tightened its annual profit forecast on Thursday, pressured by headwinds from U.S. tariffs and muted demand. ... Deere's net income in the third quarter came in at $1.29 billion, or $4.75 per share, compared with $1.73 billion, or $6.29 per share, a year earlier. Overall, quarterly sales fell about 9% to $12.02 billion from a year ago. Read more here. Birkenstock beats profit estimates on strong full-price footwear sales Reuters reports: Read more here. Reuters reports: Read more here. Nvidia partner Foxconn profit jumps after AI spending rises Foxconn, also known as Hon Hai Precision Industry Co., ( HNHPF, HNHAF) said on Thursday it expects higher third-quarter revenue due to robust demand for its artificial intelligence servers, which has helped the world's largest contract electronics maker beat forecasts and see a 27% increase in second-quarter profit. Reuters reports: Read more here. Foxconn, also known as Hon Hai Precision Industry Co., ( HNHPF, HNHAF) said on Thursday it expects higher third-quarter revenue due to robust demand for its artificial intelligence servers, which has helped the world's largest contract electronics maker beat forecasts and see a 27% increase in second-quarter profit. Reuters reports: Read more here. Cisco forecasts higher-than-expected quarterly revenue on increased demand Cisco Systems (CSCO) reported adjusted earnings per share of $0.99 in the fiscal fourth quarter, barely beating estimates of $0.98. Revenue was $14.67 billion versus an estimate of $14.63 billion. Its fiscal first quarter forecast for revenue was also better than expected, as the AI boom boosted demand for networking equipment from cloud customers. However, Cisco stock fell 2% after hours. Reuters reports: Read more here Cisco Systems (CSCO) reported adjusted earnings per share of $0.99 in the fiscal fourth quarter, barely beating estimates of $0.98. Revenue was $14.67 billion versus an estimate of $14.63 billion. Its fiscal first quarter forecast for revenue was also better than expected, as the AI boom boosted demand for networking equipment from cloud customers. However, Cisco stock fell 2% after hours. Reuters reports: Read more here Brinker International stock pops as Chili's drives earnings beat Brinker International (EAT) stock jumped 9% in premarket trading on Wednesday after the restaurant group reported earnings and revenue that topped estimates, powered by another quarter of strong sales at Chili's. The company reported net income of $107 million, or $2.49 per share on an adjusted basis, on revenue of $1.46 billion in the fiscal fourth quarter. During the same period last year, Brinker posted net income of $57.3 million ($1.24 per share) on $1.2 billion in revenue. The results were also better than Wall Street expected. Estimates going into the report were for adjusted diluted earnings per share of $2.47 and revenue of $1.44 billion. Chili's was the standout this quarter, with 23.7% sales growth and 16% traffic growth. Comparable sales at Maggiano's declined 0.4%. "With that sustained momentum, along with a strong pipeline of initiatives, we are confident in our ability to grow sales and traffic throughout Fiscal 2026," CEO Kevin Hochman said in a statement. "Chili's is officially back, baby back!" Brinker expects fiscal 2026 revenue to be between $5.6 billion and $5.7 billion. It sees full-year earnings per share at $9.90 to $10.50. Brinker International (EAT) stock jumped 9% in premarket trading on Wednesday after the restaurant group reported earnings and revenue that topped estimates, powered by another quarter of strong sales at Chili's. The company reported net income of $107 million, or $2.49 per share on an adjusted basis, on revenue of $1.46 billion in the fiscal fourth quarter. During the same period last year, Brinker posted net income of $57.3 million ($1.24 per share) on $1.2 billion in revenue. The results were also better than Wall Street expected. Estimates going into the report were for adjusted diluted earnings per share of $2.47 and revenue of $1.44 billion. Chili's was the standout this quarter, with 23.7% sales growth and 16% traffic growth. Comparable sales at Maggiano's declined 0.4%. "With that sustained momentum, along with a strong pipeline of initiatives, we are confident in our ability to grow sales and traffic throughout Fiscal 2026," CEO Kevin Hochman said in a statement. "Chili's is officially back, baby back!" Brinker expects fiscal 2026 revenue to be between $5.6 billion and $5.7 billion. It sees full-year earnings per share at $9.90 to $10.50. Dutch Bros CEO says company in 'growth mode' as Starbucks turnaround stokes beverage competition Yahoo Finance's Brooke DiPalma reports: Read more here. Yahoo Finance's Brooke DiPalma reports: Read more here. Tencent's revenue beats estimates in boost for AI ambitions Bloomberg News reports: Read more here. Bloomberg News reports: Read more here. Cava stock plummets after company misses some of Wall Street's marks, cuts guidance Cava (CAVA) missed Wall Street's mark for revenue and same-store sales growth in its second quarterly earnings report. The company's revenue came in at $280.62 million, below the $285.56 million Wall Street expected, per Bloomberg consensus estimates. Adjusted earnings beat by $0.03, coming in at $0.16. Same-store sales came in lower than expected, up 2.1%, driven by menu prices and product mix. Meanwhile, guest foot traffic was flat, far less than the 6.14% jump expected by the Street. In the release, CEO Brett Schulman called it a "fluid macroeconomic environment," adding that it "continued to grow market share" during the quarter. For the full year, the company expects same-store sales growth of 4% to 6%, down from the previously expected range of 6% to 8%. Cava (CAVA) missed Wall Street's mark for revenue and same-store sales growth in its second quarterly earnings report. The company's revenue came in at $280.62 million, below the $285.56 million Wall Street expected, per Bloomberg consensus estimates. Adjusted earnings beat by $0.03, coming in at $0.16. Same-store sales came in lower than expected, up 2.1%, driven by menu prices and product mix. Meanwhile, guest foot traffic was flat, far less than the 6.14% jump expected by the Street. In the release, CEO Brett Schulman called it a "fluid macroeconomic environment," adding that it "continued to grow market share" during the quarter. For the full year, the company expects same-store sales growth of 4% to 6%, down from the previously expected range of 6% to 8%. CoreWeave Q2 revenue beats estimates, but results come up against high bar Nvidia (NVDA)-backed AI cloud company CoreWeave (CRWV) delivered solid revenue growth in its second quarterly report since going public, but its loss per share widened. The stock fell 6% in after-hours trading. Wall Street expected strong top-line numbers going into earnings, as robust AI demand, a deal with Core Scientific, and a $4 billion expansion deal with OpenAI ( fueled the quarter. Two of CoreWeave's key customers, Microsoft (MSFT) and Meta (META), also reaffirmed their spending plans going into the quarter in a bullish sign for AI demand. Here are some key figures CoreWeave reported versus estimates compiled by S&P Global Market Intelligence: Revenue beat: $1.21 billion, versus $1.08 billion estimated and $395.4 million a year ago. Wider loss per share: $0.60 loss per share, compared to a $0.49 loss estimated. Operating expenses increased: $1.19 billion in the quarter, compared to $317 million a year ago. Lighter capital expenditures on property and equipment: $2.45 billion, compared to estimates of $3.54 billion. Revenue backlog increased: $30.1 billion, as of June 30. In the first quarter, the company's backlog was $25.9 billion. "Our strong second quarter performance demonstrates continued momentum across every dimension of our business," CEO and co-founder Michael Intrator said in the earnings release. "We are scaling rapidly as we look to meet the unprecedented demand for AI.' CoreWeave said it will provide forward-looking guidance on its earnings call at 5 p.m. ET. You can listen to that call live on the company's stock page. Read more here. Nvidia (NVDA)-backed AI cloud company CoreWeave (CRWV) delivered solid revenue growth in its second quarterly report since going public, but its loss per share widened. The stock fell 6% in after-hours trading. Wall Street expected strong top-line numbers going into earnings, as robust AI demand, a deal with Core Scientific, and a $4 billion expansion deal with OpenAI ( fueled the quarter. Two of CoreWeave's key customers, Microsoft (MSFT) and Meta (META), also reaffirmed their spending plans going into the quarter in a bullish sign for AI demand. Here are some key figures CoreWeave reported versus estimates compiled by S&P Global Market Intelligence: Revenue beat: $1.21 billion, versus $1.08 billion estimated and $395.4 million a year ago. Wider loss per share: $0.60 loss per share, compared to a $0.49 loss estimated. Operating expenses increased: $1.19 billion in the quarter, compared to $317 million a year ago. Lighter capital expenditures on property and equipment: $2.45 billion, compared to estimates of $3.54 billion. Revenue backlog increased: $30.1 billion, as of June 30. In the first quarter, the company's backlog was $25.9 billion. "Our strong second quarter performance demonstrates continued momentum across every dimension of our business," CEO and co-founder Michael Intrator said in the earnings release. "We are scaling rapidly as we look to meet the unprecedented demand for AI.' CoreWeave said it will provide forward-looking guidance on its earnings call at 5 p.m. ET. You can listen to that call live on the company's stock page. Read more here. offers robotaxi production update as revenue surges Chinese robotaxi operator (PONY) reported revenue grew 76% year over year in the second quarter as the business scaled its autonomous vehicle production. The stock was up more than 1% in premarket trading but pared gains during the earnings call (you can listen to it live here). The Toyota-backed (TM) company began mass production of its two robotaxi models in June and July, respectively. Robotaxi revenue also surged over 300% to $1.5 million in the quarter. "Since mass production started two months ago, over 200 Gen-7 Robotaxi vehicles have rolled off the production line, putting us firmly on track to hit the year-end 1,000-vehicle target," CEO James Peng said in a statement. The company is still on its journey to profitability. For the quarter, it posted a net loss of $53.3 million (loss of $0.14 per share), compared to a loss of $30.9 million in the same period a year ago. Chinese robotaxi operator (PONY) reported revenue grew 76% year over year in the second quarter as the business scaled its autonomous vehicle production. The stock was up more than 1% in premarket trading but pared gains during the earnings call (you can listen to it live here). The Toyota-backed (TM) company began mass production of its two robotaxi models in June and July, respectively. Robotaxi revenue also surged over 300% to $1.5 million in the quarter. "Since mass production started two months ago, over 200 Gen-7 Robotaxi vehicles have rolled off the production line, putting us firmly on track to hit the year-end 1,000-vehicle target," CEO James Peng said in a statement. The company is still on its journey to profitability. For the quarter, it posted a net loss of $53.3 million (loss of $0.14 per share), compared to a loss of $30.9 million in the same period a year ago. Trading platform eToro beats profit estimates (Reuters) - Stock and crypto trading platform eToro beat Wall Street views for profit in the second quarter on Tuesday, as retail investors maintained a firm risk appetite despite broader macroeconomic uncertainty due to new tariffs. Shares of eToro rose in premarket trading after results. Retail trading activity has been strong this year, buoyed by gains in U.S. equity markets and renewed interest in high-risk assets such as cryptocurrencies and tech stocks. Read more here. (Reuters) - Stock and crypto trading platform eToro beat Wall Street views for profit in the second quarter on Tuesday, as retail investors maintained a firm risk appetite despite broader macroeconomic uncertainty due to new tariffs. Shares of eToro rose in premarket trading after results. Retail trading activity has been strong this year, buoyed by gains in U.S. equity markets and renewed interest in high-risk assets such as cryptocurrencies and tech stocks. Read more here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
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Oracle Brings Google's Gemini AI Into the Fold
Oracle (NYSE:ORCL) and Google Cloud (NASDAQ:GOOG) are stepping up their partnership and this one's about giving Oracle customers a big dose of AI muscle. They're starting with Google's Gemini 2.5, now plugged straight into Oracle Cloud Infrastructure's Generative AI service. In plain terms, if you're an Oracle customer, you can now spin up AI agents for things like multimodal understanding, coding help, workflow automation, and deep research and you can pay for it using the Oracle credits you already have. Warning! GuruFocus has detected 8 Warning Signs with ORCL. But the real story is what's coming next. Oracle says it'll open the door to Google's full lineup of Gemini models via Vertex AI think video, image, speech, music generation, plus industry-specific AI like MedLM for healthcare. And later, these same models could be baked into Oracle Fusion Cloud apps, so finance, HR, supply chain, sales, and marketing teams get AI upgrades without changing how they work. Google Cloud CEO Thomas Kurian says the goal is to make deploying AI even easier for Oracle customers, whether it's to supercharge developers, clean up messy data integration, or just automate the boring stuff. This article first appeared on GuruFocus.
Yahoo
14 minutes ago
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Morgan Stanley Turns More Bullish on Apple as iPhone Builds Jump 8%
Morgan Stanley's feeling more upbeat about Apple's iPhone (NASDAQ:AAPL) story this fall and it's not just a Erik Woodring and his team have bumped their September-quarter build forecast up 8%, thanks to better-than-expected sales in June that left store shelves a little too bare. That's giving Apple room to refill the channel with about 54 million iPhones all from the new 16 and Pro Max lines compared to 50 million firm's bigger-picture bullishness hasn't changed much since last summer. They still see a lot working in Apple's favor: iPhone owners hanging onto older devices longer (which means pent-up upgrade demand), new designs in the pipeline, margin-friendly cost structures, and untapped pricing power in both hardware and services. Plus, tariff fears have cooled, regulation doesn't look like an immediate choke point, and Apple's stock is sitting at a valuation in line with its five-year average which gives room for upside if estimates keep ticking higher. They're holding their 55 million shipment forecast for September, but beyond that, the 2025 second-half iPhone 17 build plans are steady at 80 to 85 million units. The wild card? Apple's holiday quarter is notoriously swingy December builds have jumped anywhere from +35% to +71% quarter-over-quarter in recent (non-COVID) years. This article first appeared on GuruFocus. Sign in to access your portfolio
