Affirm Q1 FY2027 Earnings: Net Income Doubles to $164M as Credit-Loss Provisions Rise 59%
Affirm Q1 FY2027 net income doubled to $164M on 35% revenue growth, while its credit-loss provision rose 59% and the allowance reached 6.3% of loans.
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Amazon's $2.25M FCRA Fine Wasn't About Background Checks — It Was About Records You Owe Fraud Victims in 30 Days
FCRA Section 609(e) gives fraud victims your transaction records free within 30 days — Amazon's $2.25M fine shows what refusal costs.
Notes Receivable, Explained: How Written Promises to Pay Differ From Open Accounts
A note receivable is a signed promise to pay principal plus interest — book the principal as an asset swap, accrue interest monthly, act fast on dishonor.
Bond Ratings, Explained: How S&P, Moody's, and Fitch Grade Default Risk
BBB- (S&P/Fitch) or Baa3 (Moody's) is the lowest investment-grade bond rating — fall below it and forced selling reprices your bonds.
The Divorce Financial Checklist: What to Gather, Inventory, Freeze, and Retitle Before You File
Gather tax returns, statements, and business records before filing — then freeze joint credit, split the 401(k) by QDRO, and update beneficiaries.
Huntington Bancshares Q3 2026 Earnings: $2.8B Revenue Up 31%, EPS Down 20% on Cadence Deal
Huntington's Q3 2026 net interest income rose 37% to $2.07B on the Cadence deal, but 38% more shares cut diluted EPS 20% to $0.33 as nonperforming assets rose.
Deferred Interest Explained: How Retroactive Store-Card Interest Works and the Payoff Math That Avoids It
Deferred interest accrues from the purchase date and lands all at once if $1 remains — compute the true monthly payoff and finish a month early.
Secured vs. Unsecured Loans: What Your Collateral Buys You — and What It Risks
Secured loans cost roughly half as much as unsecured ones — but the lender can seize your collateral and sue for any shortfall.
Synchrony Q3 2026 Earnings: Record $49.7B Volume, Net Income Falls 17% to $892M
Synchrony's Q3 2026 net income fell 17% to $892M on record $49.7B purchase volume as retailer share, a reserve build and expenses absorbed NII gains.
American Express Q3 2026 Earnings: Record $20.1B Revenue and the $982M GBTG Gain
Amex Q3 2026: $5.42 EPS up 31% on record $20.1B revenue — but $1.11 is a one-time GBTG sale gain; adjusted EPS grew 13%.
Deed in Lieu of Foreclosure, Explained: How Owners Hand the Keys to the Lender and Skip the Auction
A deed in lieu ends the mortgage without an auction, but the IRS taxes forgiven debt as income — get the deficiency waiver in writing first.
Equifax FY2026 Q3 Earnings: $1.79 EPS Jumps 39% as AI Savings Offset a Mortgage-Driven Guide Cut
Equifax earned $1.79 EPS (+39%) on $1.69B Q3 revenue (+10%), then cut FY revenue guidance $84M on mortgage weakness while holding EPS at $8.50 via AI savings.