Latest news with #MosheOrenbuch
Business Insider
12-07-2025
- Business
- Business Insider
Synchrony Financial (SYF) Receives a Rating Update from a Top Analyst
TD Cowen analyst Moshe Orenbuch maintained a Buy rating on Synchrony Financial on July 8 and set a price target of $82.00. The company's shares closed yesterday at $70.61. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Make smarter investment decisions with TipRanks' Smart Investor Picks, delivered to your inbox every week. According to TipRanks, Orenbuch is a top 25 analyst with an average return of 23.4% and a 71.28% success rate. Orenbuch covers the Financial sector, focusing on stocks such as SLM, Capital One Financial, and Bread Financial Holdings. Synchrony Financial has an analyst consensus of Moderate Buy, with a price target consensus of $72.00, which is a 1.97% upside from current levels. In a report released yesterday, J.P. Morgan also maintained a Buy rating on the stock with a $80.00 price target. SYF market cap is currently $27.08B and has a P/E ratio of 9.77.
Business Insider
12-07-2025
- Business
- Business Insider
Bread Financial Holdings (BFH) Receives a Rating Update from a Top Analyst
TD Cowen analyst Moshe Orenbuch maintained a Hold rating on Bread Financial Holdings on July 8 and set a price target of $62.00. The company's shares closed yesterday at $61.24. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Make smarter investment decisions with TipRanks' Smart Investor Picks, delivered to your inbox every week. According to TipRanks, Orenbuch is a top 25 analyst with an average return of 23.4% and a 71.28% success rate. Orenbuch covers the Financial sector, focusing on stocks such as Capital One Financial, SLM, and Bread Financial Holdings. In addition to TD Cowen, Bread Financial Holdings also received a Hold from Jefferies's John Hecht in a report issued on July 8. However, on July 10, Bank of America Securities maintained a Buy rating on Bread Financial Holdings (NYSE: BFH).
Business Insider
12-07-2025
- Business
- Business Insider
CompoSecure (CMPO) Receives a Rating Update from a Top Analyst
TD Cowen analyst Moshe Orenbuch maintained a Buy rating on CompoSecure on July 8 and set a price target of $17.00. The company's shares closed yesterday at $14.21. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Make smarter investment decisions with TipRanks' Smart Investor Picks, delivered to your inbox every week. Orenbuch covers the Financial sector, focusing on stocks such as Capital One Financial, SLM, and Bread Financial Holdings. According to TipRanks, Orenbuch has an average return of 23.4% and a 71.28% success rate on recommended stocks. The word on The Street in general, suggests a Moderate Buy analyst consensus rating for CompoSecure with a $14.92 average price target. The company has a one-year high of $17.71 and a one-year low of $7.32. Currently, CompoSecure has an average volume of 774.8K.
Business Insider
12-07-2025
- Business
- Business Insider
Top Needham Analyst Assigns SOFI Stock a Hold Rating, Says ‘Fully Valued' Ahead of Q2 Earnings
Top Needham analyst Moshe Orenbuch initiated coverage of SoFi Technologies (SOFI) stock with a Hold rating and a price target of $21. While the 5-star analyst highlighted many positives of the fintech company and digital bank, he is sidelined on the stock as he believes that it is fully valued at the current levels. SoFi Technologies is scheduled to announce its earnings for the second quarter of 2025 on July 29. Expectations are high, given the company's solid Q1 performance, driven by strength in its Financial Services business and a rapidly expanding member base. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Make smarter investment decisions with TipRanks' Smart Investor Picks, delivered to your inbox every week. Wall Street expects SoFi to report EPS (earnings per share) of $0.06, reflecting a significant increase from $0.01 in the prior-year quarter. Furthermore, revenue is expected to grow by 34% to around $802 million. SOFI stock has rallied about 46% in the past month and has risen by an impressive 219% over the past year, thanks to its robust growth and solid execution amid challenging macro conditions. Top Analyst Is Cautious on SOFI Stock Despite Multiple Strengths Orenbuch stated that SoFi is a leading neobank that started its journey as a student loan refinance originator and has significantly increased the breadth and depth of its product offerings. He noted that the company offers a wide array of best-in-class products, including Money and Invest. These products and solutions are integrated into one platform, which enables the leveraging of customer acquisition costs. Further, Orenbuch noted that the 2022 acquisition of a bank by SoFi Technologies allowed it to build its customer franchise with consumer deposits and further bolstered its position while increasing customer retention. He also noted the strategic acquisition of Galileo in 2020 and Technisys in 2022. Moreover, the analyst highlighted the fintech's recent announcement about re-entering the crypto space. The analyst pointed out that despite higher interest rates, SoFi delivered a 37% compound annual growth rate (CAGR) in its revenue from 2021 to 2024. He also views SoFi's product diversification as a core strength, which allows it to sustain growth across changing macro conditions. Despite all these strengths, Orenbuch has a neutral stance on SOFI stock due to valuation concerns. Orenbuch ranks 22 nd out of more than 9,800 analysts on TipRanks. Remarkably, he has a success rate of 71%, with an average return of 23.5% over a one-year period. Is SOFI a Good Stock to Buy? Like Orenbuch, Keefe, Bruyette & Woods analyst Timothy Switzer also highlighted several positives, mainly the revenue opportunities from crypto and the significantly expanded student lending opportunity following the passage of U.S. President Donald Trump's 'Big, Beautiful Bill.' While Switzer increased the price target for SOFI to $13 from $9, he reiterated a Sell rating, saying that the stock has 'run past fundamental value despite the company's exciting growth prospects and strong value proposition.' With eight Buys, six Holds, and three Sells, Wall Street has a Moderate Buy consensus rating on SoFi Technologies stock. At $15.58, the average SOFI stock price target indicates a downside risk of about 26% from current levels.
Mint
22-06-2025
- Business
- Mint
The most exclusive credit cards are about to get even more expensive
When JPMorgan Chase said it was raising the annual fee by 45% on its popular Sapphire Reserve credit card, longtime cardholder David O'Brien didn't notice. 'My eyes glaze over with this stuff," said the 36-year-old New York lawyer. Until a reporter told him that the fee will soon rise to $795, from $550, he assumed he had been paying less than $100 a year. A brief shock, acknowledged with an expletive, gave way to acceptance. Top credit card companies have stumbled on a winning formula at odds with almost every other sector of America's inflation-obsessed economy: Raising their prices is good for business. Already sold by the status the cards convey, a large number of customers are willing to eat the costs. This is JPMorgan's third and largest increase to its annual fee for the Sapphire Reserve card since it was launched in 2016 at $450 a year. It takes effect Monday for new customers and in October for existing customers. American Express, whose Platinum card usually carries the heftiest fee in its market segment, is expected to raise its $695 fee—even higher than the Sapphire Reserve's—in its fall refresh, analysts say. 'I've been surprised at the ability to continue to extract higher pricing," said Moshe Orenbuch, a managing director at TD Securities. When the Sapphire Reserve launched, analysts doubted there was much appetite for triple-digit annual fees. 'Issuers have been positively surprised at how many of those folks there are." Price hikes make the cards appear more exclusive. Except rather than offering a luxury good such as a diamond ring or fancy ride, the companies offer the chance to spend more. The cards' allure 'can lead to behaviors that you can't justify" based on function alone, said Derek Rucker, a marketing professor at Northwestern's Kellogg School of Management. 'That's where the math doesn't have to make sense," he said. Theoretically, the math can make sense. Chase touts the more than $2,700 in annual value on its refreshed Reserve card, including hotel and dining credits and travel perks. Amex Platinum offers similar benefits for frequent travelers. O'Brien, the New York lawyer, said that despite the fee increase, he expects the math to work out for keeping his Sapphire Reserve card. He regularly uses points from the card to book flights and hotel stays, and says lounge access offsets the cost of a few pricey airport cocktails. But many perks go unredeemed. According to the latest data from the Consumer Financial Protection Bureau, cardholders earned over $40 billion in rewards in 2022, yet more than $33 billion went unclaimed—a 40% jump since before the pandemic. The average account sat on $150 in unused perks. A dining room at the American Express Centurion New York restaurant. Redemption now requires more effort than ever before. Jacob Moon, a 36-year-old investment banker in Los Angeles, didn't mind the fee increase, but bristled at the fine print. Many perks are delivered in increments and expire monthly. For instance, Chase is advertising a $500 hotel credit as a new benefit with the Sapphire Reserve. But half of the credit must be used in the first six months of the year, and half of it in the last six months. 'For the amount I spend, I want freedom, not a schedule," Moon said. 'This card is giving me homework." Such complexity favors users who track every point and benefit—and banks know that. Regardless of whether perks are redeemed, the card issuer collects the fee. 'The vast majority of people will see all that as a headache," said Greg Davis-Kean, founder of travel website Frequent Miler. Chase has taken steps to streamline its rewards. Cardholders now earn eight points per dollar on all travel booked through its portal—previously, different rates applied to flights and hotels. Chase also shows unclaimed benefits in its app. 'We're all about getting customers to redeem 100% of their benefits," said Allison Beer, CEO of card and connected commerce at Chase. The higher fees will inevitably be too much for some customers to swallow. That might be the point, said Patrick Mrozowski, the founder of Atlas, a credit card company that charges a $1,000 annual fee and offers cardholders access to a concierge service, including help securing hard-to-get reservations at such restaurants as New York's The Corner Store. 'Maybe their overall number of customers drops, but the level of engagement from the core base increases, and that's a better way to grow," Mrozowski said. Chase said it doesn't expect significant attrition from its Sapphire Reserve revamp, but acknowledged that some customers might decide to downgrade to the lower-fee Preferred card or opt out entirely. A Bank of America Global Research survey earlier this month found that only 9% of Chase cardholders said they would cancel their most-used premium card if the annual fee increased by $100. Michael Andeberhan, a 44-year-old who works in asset management, carries both the Sapphire Reserve and the Amex Platinum and keeps a close eye on whether he's getting his money's worth from each. But with the prospect of higher annual fees on both cards, he's starting to question whether two is too many. Having two cards divides his spending, and each credit card company reserves its best perks for customers who spend the most on their cards. For example, cardholders who charge more than $75,000 a year on a Chase card unlock top-tier status at IHG Hotels and Resorts. 'Is it worth having two premium cards?" Andeberhan said. 'Because you can only spend your money on one card." Write to Imani Moise at and Jacob Passy at
