Frontier Group press release ( ULCC ): Q4 Non-GAAP EPS of $0.23 beats by $0.10 . Revenue of $997M (-0.3% Y/Y) beats by $23.45M . Revenue per available seat mile ("RASM") was 10.17 cents, while RASM on a stage adjusted basis to 1,000 miles was 9.61 cents, slightly higher than the comparable 2024 quarter Cost per available seat mile ("CASM") was 9.67 cents, including fuel expense at an average cost ...
Frontier Group press release ( ULCC ): Q4 Non-GAAP EPS of $0.23 beats by $0.10 . Revenue of $997M (-0.3% Y/Y) beats by $23.45M . Revenue per available seat mile ("RASM") was 10.17 cents, while RASM on a stage adjusted basis to 1,000 miles was 9.61 cents, slightly higher than the comparable 2024 quarter Cost per available seat mile ("CASM") was 9.67 cents, including fuel expense at an average cost of $2.44 per gallon; total operating expenses were $948 million, or $721 million excluding fuel, a non-GAAP measure, resulting in CASM excluding fuel of 7.36 cents 1Q EPS consensus of -$0.28 The forward guidance estimates are presented in the following table: First Quarter Full Year 2026 (a) 2026 (a) Adjusted (non-GAAP) diluted per share expected results (b)(c) $(0.26) to $(0.44) $(0.40) to $0.50 Capacity growth (compared to corresponding prior year period) (1) to (2) percent ~10 percent Pre-delivery deposits, net of refunds ($ millions) (d) $(170) to $(210) Other capital expenditures ($ millions) (d)(e) $200 to $250 Click to enlarge Shares +3% PM. More on Frontier Group Frontier Group Remains A 'Hold' As Strategy Shift Has Yet To Crystalize Frontier Group Q4 2025 Earnings Preview Frontier Group appoints James G. Dempsey as CEO Seeking Alpha’s Quant Rating on Frontier Group Historical earnings data for Frontier Group
This article first appeared on GuruFocus. Tesla Inc. (TSLA, Financials) is deepening its ties with Chinese tech giant Tencent Holdings Ltd. to enhance its in car experience for local drivers. The two firms said they will work together to combine Tencent's cloud and WeChat ecosystem with Tesla's next generation cabin technology. WeChat based navigation, real-time location sharing, and smart route s...
This article first appeared on GuruFocus. Tesla Inc. (TSLA, Financials) is deepening its ties with Chinese tech giant Tencent Holdings Ltd. to enhance its in car experience for local drivers. The two firms said they will work together to combine Tencent's cloud and WeChat ecosystem with Tesla's next generation cabin technology. WeChat based navigation, real-time location sharing, and smart route suggestions will be available immediately on Tesla's infotainment systems thanks to this partnership. The new software will first be available in Model 3 and Model Y cars through over-the-air upgrades. It will then be standard in all future models made for the Chinese market. Tesla said the update shows that it is working on making driving more connected and personalized to China, which is its second largest market. Tesla hopes that Tencent's data and AI skills would help them improve features like voice control, navigation, and content customization. Tesla is getting more competition from domestic electric vehicle companies like BYD Company Ltd. and Nio Inc., both of which focus on advanced digital platforms. Analysts argue that working with Tencent might offer Tesla a big advantage in getting to know and meeting the needs of Chinese customers.
Tesla Inc. (TSLA, Financials) is deepening its ties with Chinese tech giant Tencent Holdings Ltd. to enhance its in car experience for local drivers. The two firms said they will work together to combine Tencent's cloud and WeChat ecosystem with Tesla's next generation cabin technology. WeChat based navigation, real-time location sharing, and smart route suggestions will be available immediately o...
Tesla Inc. (TSLA, Financials) is deepening its ties with Chinese tech giant Tencent Holdings Ltd. to enhance its in car experience for local drivers. The two firms said they will work together to combine Tencent's cloud and WeChat ecosystem with Tesla's next generation cabin technology. WeChat based navigation, real-time location sharing, and smart route suggestions will be available immediately on Tesla's infotainment systems thanks to this partnership. The new software will first be available in Model 3 and Model Y cars through over-the-air upgrades. It will then be standard in all future models made for the Chinese market. Tesla said the update shows that it is working on making driving more connected and personalized to China, which is its second largest market. Tesla hopes that Tencent's data and AI skills would help them improve features like voice control, navigation, and content customization. Tesla is getting more competition from domestic electric vehicle companies like BYD Company Ltd. and Nio Inc., both of which focus on advanced digital platforms. Analysts argue that working with Tencent might offer Tesla a big advantage in getting to know and meeting the needs of Chinese customers.
QUALCOMM (NASDAQ:QCOM - Get Free Report) was downgraded by equities researchers at Daiwa Securities Group from an "outperform" rating to a "neutral" rating in a research report issued on Wednesday. They currently have a $140.00 target price on the wireless technology company's stock. Daiwa Securities Group's price objective would suggest a potential downside of 0.06% from the company's current pri...
QUALCOMM (NASDAQ:QCOM - Get Free Report) was downgraded by equities researchers at Daiwa Securities Group from an "outperform" rating to a "neutral" rating in a research report issued on Wednesday. They currently have a $140.00 target price on the wireless technology company's stock. Daiwa Securities Group's price objective would suggest a potential downside of 0.06% from the company's current price. Get QUALCOMM alerts: Sign Up QCOM has been the topic of several other reports. Mizuho cut their target price on QUALCOMM from $160.00 to $140.00 and set a "neutral" rating on the stock in a research report on Thursday, February 5th. UBS Group restated a "neutral" rating on shares of QUALCOMM in a research note on Monday, February 2nd. TD Cowen reduced their price objective on QUALCOMM from $190.00 to $150.00 and set a "buy" rating on the stock in a research note on Thursday, February 5th. Evercore decreased their target price on QUALCOMM from $157.00 to $134.00 and set an "in-line" rating for the company in a report on Thursday, February 5th. Finally, Zacks Research lowered shares of QUALCOMM from a "hold" rating to a "strong sell" rating in a report on Tuesday, January 27th. Ten analysts have rated the stock with a Buy rating, ten have given a Hold rating and three have assigned a Sell rating to the company. According to data from MarketBeat, the stock presently has a consensus rating of "Hold" and a consensus target price of $164.67. Read Our Latest Analysis on QUALCOMM QUALCOMM Stock Performance QUALCOMM stock opened at $140.09 on Wednesday. The stock has a fifty day moving average price of $165.94 and a 200 day moving average price of $164.73. QUALCOMM has a 52 week low of $120.80 and a 52 week high of $205.95. The firm has a market capitalization of $149.48 billion, a P/E ratio of 28.94, a PEG ratio of 6.80 and a beta of 1.22. The company has a current ratio of 2.51, a quick ratio of 1.83 and a debt-to-equity ratio of 0.64. QUALCOMM (NASDAQ:QCOM - Get Free Report) ...
A US citizen was sentenced to two years and eight months in prison on Wednesday for offering China sensitive information while working as a civilian contractor at a US military base in Germany. The defendant, only partially named as Martin D., was put on trial in a German court in the western city of Koblenz, with proceedings held partly behind closed doors. In 2024, prosecutors charged that Marti...
A US citizen was sentenced to two years and eight months in prison on Wednesday for offering China sensitive information while working as a civilian contractor at a US military base in Germany. The defendant, only partially named as Martin D., was put on trial in a German court in the western city of Koblenz, with proceedings held partly behind closed doors. In 2024, prosecutors charged that Martin D. had “contacted Chinese government agencies several times and offered to pass on sensitive information from the US military to a Chinese intelligence service”. Advertisement The man worked as a contractor for the US Defense Department between 2017 and 2023, including at a US military base in Germany since at least 2020, according to the indictment. He was arrested by German police in Frankfurt in November 2024 and has been held in pretrial detention since. Advertisement The United States established dozens of bases in Germany after World War II, and still has more than 35,000 US troops stationed in the country.
dongfang zhao/iStock via Getty Images Introduction Alto Ingredients ( ALTO ) has moved beyond being a pure ethanol producer. It switched its product mix, but the market still prices it like before. In the last 12-18 months, Alto has done three things to reset its business: Started focusing on specialty alcohols, essential ingredients, and CO₂. These are higher-margin products; Cost discipline and ...
dongfang zhao/iStock via Getty Images Introduction Alto Ingredients ( ALTO ) has moved beyond being a pure ethanol producer. It switched its product mix, but the market still prices it like before. In the last 12-18 months, Alto has done three things to reset its business: Started focusing on specialty alcohols, essential ingredients, and CO₂. These are higher-margin products; Cost discipline and increasing exports for higher profits; and Monetizing Section 45Z tax credits. That last part requires a repositioning of its asset base. This tax credit will materially change the company’s economics through at least 2029. These resets have changed Alto into a company that just delivered GAAP profitability. It has clear and visible regulatory cash flows, and its asset base has an intrinsic value that is higher than what its equity implies. The Old ALTO vs. the New ALTO The market looks at Alto and still sees : TTM gross margin: ~2% EBITDA margin: ~1.8% Net income margin: negative Profitability grade: D+ Growth grade: D+ These are a poor man’s numbers, and they are real. They explain why the market still values Alto as a structurally weak company. But these are metrics from the past. They come from pre-rationalization volumes, and from losses incurred before the Magic Valley facility was cold-idled. They ignore the tax credit contribution, and only price in a partial contribution from CO₂. But that is the old Alto. The new Alto model is to move focus away from volume to profits. They sold fewer gallons in Q3, from 97 million in Q3 2024 to 89 million. Yet, they managed to increase gross profit by $$17.5 million. Adjusted EBITDA also increased to $21.4 million, while GAAP net income was $13.9 million ($0.19/share). These are strong results, and they came through a new product mix, better pricing and better cost control. Speaking of cost discipline, SG&A fell to $6.5 million in Q3, down considerably from same quarter last year. These are not temporary measures, as management h...
takasuu/iStock via Getty Images By Kelvin Wong The Nikkei 225 ( NKY:IND ) has continued to bask in the bullish limelight since last Friday, February 6, 2026’s minor bullish reversal low of 52,956, reinforced by the results of Japan’s lower house parliament snap election held on Sunday, February 8, 2026. Incumbent Japanese Prime Minister Takaichi’s coalition party has managed to score a stunning vi...
takasuu/iStock via Getty Images By Kelvin Wong The Nikkei 225 ( NKY:IND ) has continued to bask in the bullish limelight since last Friday, February 6, 2026’s minor bullish reversal low of 52,956, reinforced by the results of Japan’s lower house parliament snap election held on Sunday, February 8, 2026. Incumbent Japanese Prime Minister Takaichi’s coalition party has managed to score a stunning victory in the snap election, surpassing the two-thirds majority of 310 seats, with Takaichi's Liberal Democratic Party winning 316 seats in the 465-seat lower house. Nikkei 225 is the top performer among global stock markets over the past two days Fig. 1: Global stock market indices with USD/JPY from Feb 9 to Feb 10, 2026 (Source: MacroMicro) Since the start of the week till Tuesday, February 10, 2026, Japan’s Nikkei 225 is the top-performing major global stock with a positive return of 2.3%, surpassing the major US stock indices; Dow Jones Industrial Average (+0.1%), S&P 500 (-0.3%), Russell 2000 (-0.4%), and Nasdaq 100 (-0.6%) (see Fig. 1). Interestingly, the renewed strength in the Japanese yen, where the USD/JPY shed -1% in the past two sessions due to fears of US-Japan joint intervention, is not having a negative feedback loop impact on the Nikkei 225. Japan’s equities with high domestic exposure are outperforming exporters Fig. 2: Relative performance of Nikkei 225 Domestic Exposure against Global Exposure as of Feb 10, 2026 (Source: MacroMicro) A stronger JPY is likely to negate the current higher cost-of-living squeeze in Japan, in turn further boosting consumer confidence, which leads to an increase in domestic spending. Within the Nikkei 225, stocks with a higher reliance on domestic Japanese sales are outperforming export-heavy names, particularly technology equipment and automobile manufacturers with greater overseas exposure. Since February 4, 2026, the Nikkei 225 Domestic Exposure 50 Index (domestic sales) has outperformed the Nikkei 225 Global Exposure 50 Inde...
Will unify health record systems with Oracle Health Foundation EHR, implement Oracle Health Clinical AI Agent and Oracle Health Seamless Exchange across its network AUSTIN, Texas, Feb. 11, 2026 /PRNewswire/ -- Hillsboro Health, an independent, 25-bed critical access hospital based in Hillsboro, Illinois, has chosen Oracle Health solutions to help accelerate innovation, drive operational efficienci...
Will unify health record systems with Oracle Health Foundation EHR, implement Oracle Health Clinical AI Agent and Oracle Health Seamless Exchange across its network AUSTIN, Texas, Feb. 11, 2026 /PRNewswire/ -- Hillsboro Health, an independent, 25-bed critical access hospital based in Hillsboro, Illinois, has chosen Oracle Health solutions to help accelerate innovation, drive operational efficiencies, and enhance patient care. In addition to transitioning from legacy systems to an integrated Oracle Health Foundation EHR, Hillsboro Health plans to leverage Oracle Health Clinical AI Agent, an AI-powered, voice-driven solution, to automate clinical documentation and enable providers to dedicate more time to patients. Additionally, the hospital will implement Oracle Health Seamless Exchange to provide clinicians with access to comprehensive patient records and facilitate more coordinated care delivery throughout its extended network. Hillsboro Health provides emergency services, inpatient care, outpatient nursing services, general surgery, primary and specialty care, and physical, occupational and speech therapy services to Montgomery County area residents. With expansion and modernization projects taking place this year, Hillsboro Health is standardizing its clinical systems with Oracle Health Foundation EHR to help streamline its documentation processes, enhance provider satisfaction, and enable more effective care coordination as it prepares for growth. "As we look to expand care services across our network, the need to integrate our clinical systems has become increasingly important," said Michael Alexander, CEO, Hillsboro Health. "By moving to Oracle Health's unified platform and innovative AI solutions, we're not only simplifying processes for our clinicians but also enabling our team to focus more time on delivering exceptional care to our patients." With Oracle Health Clinical AI Agent integrated into Oracle Health Foundation EHR, Hillsboro Health clinicians will...
MrBeast Buys Gen Z Bank Just Weeks After BitMine's $200M Bet Authored by Brayden Lindrea via CoinTelegraph.com, Beast Industries, the entertainment company founded by YouTuber Jimmy “MrBeast” Donaldson, is acquiring Step, a mobile banking app focused on teenagers and young adults, marking its most significant push into finance to date. In a post to X on Monday, Donaldson said the motivation behind...
MrBeast Buys Gen Z Bank Just Weeks After BitMine's $200M Bet Authored by Brayden Lindrea via CoinTelegraph.com, Beast Industries, the entertainment company founded by YouTuber Jimmy “MrBeast” Donaldson, is acquiring Step, a mobile banking app focused on teenagers and young adults, marking its most significant push into finance to date. In a post to X on Monday, Donaldson said the motivation behind the acquisition was to equip young people with the tools and guidance needed to navigate personal finance from an early age. Source: MrBeast Beast Industries CEO Jeff Housenbold said , "Financial health is fundamental to overall wellbeing, yet too many people lack access to the tools and knowledge they need to build financial security.” The acquisition cost was not disclosed. The YouTube channel’s expansion into finance comes after it received a $200 million investment from Ethereum treasury firm BitMine Immersion Technologies in January and a separate trademark filing for “MrBeast Financial” in October. That trademark filing mentioned "cryptocurrency exchange services,” “cryptocurrency payment processing,” and “cryptocurrency via decentralized exchanges.” However, it isn’t clear whether that trademark filing is related to the Step acquisition. Cointelegraph reached out to Beast Industries for comment, but didn’t receive an immediate response. Step scales to 6.5 million users in 8 years The Step app aims to help Gen Z users manage money, build credit, earn rewards, and deepen their financial literacy. Spending accounts are Federal Deposit Insurance Corporation -insured through Evolve Bank & Trust. The banking app has scaled to 6.5 million users since launching in 2018 and has raised around $500 million from the likes of Steph Curry, Justin Timberlake, Will Smith and Charli D’Amelio. The MrBeast YouTube channel has 466 million subscribers, the largest channel on the video-streaming platform. Housenbold said the Step acquisition “positions us to meet our audiences where they...
Dougal Waters JPMorgan Wealth Management is growing increasingly optimistic about the stock market’s prospects, with the firm’s bull case scenario projecting the S&P 500 could climb above 8,000 by year’s end. Elyse Ausenbaugh, head of investment strategy at JPMorgan Wealth Management, said in an interview with CNBC that the firm expects double-digit gains for a fourth consecutive year, a feat that...
Dougal Waters JPMorgan Wealth Management is growing increasingly optimistic about the stock market’s prospects, with the firm’s bull case scenario projecting the S&P 500 could climb above 8,000 by year’s end. Elyse Ausenbaugh, head of investment strategy at JPMorgan Wealth Management, said in an interview with CNBC that the firm expects double-digit gains for a fourth consecutive year, a feat that would mark only the fifth time such a streak has occurred in a century. “We do think that can happen. That’s our base case, and we’re actually starting to entertain our bull case more and more, particularly if these AI stories really start to play out and find their legs,” Ausenbaugh told CNBC. The strategist noted that despite historical odds being against such a run, the ongoing investment in AI infrastructure and strategic national security priorities around the world are bolstering market conviction. On the Federal Reserve’s path forward, Ausenbaugh’s outlook diverges from current market expectations. JPMorgan anticipates only one rate cut by midyear, with rates held steady thereafter, compared to the two cuts the market is pricing in. “We’re at the top end ostensibly of the neutral rate range, and we don’t necessarily think that the Fed has to move too quickly,” she explained, adding that the Fed has “wiggle room to be patient” despite some softness in recent cyclical indicators. Regarding AI investments, Ausenbaugh emphasized a selective approach amid recent market volatility in software and wealth management stocks. “We’re bullish on artificial intelligence, and that bull case is based on a belief that AI will be disruptive. Disruption has consequences, and you’re seeing markets grapple with those consequences right now,” she said. The firm is most constructive on semiconductors and networking stocks on the pullback. Ausenbaugh acknowledged the uncertainty surrounding how AI developments will ultimately reshape markets. “I don’t think a lot,” she said when asked abo...
This article first appeared on GuruFocus. Nvidia Corp. (NVDA, Financials) will have to live with restrictions on how it sells artificial intelligence chips to China, U.S. Commerce Secretary Howard Lutnick said Tuesday. Speaking to reporters, Lutnick emphasized that detailed licensing conditions were developed with the State Department to regulate Nvidia's sales of its H200 accelerators. The licens...
This article first appeared on GuruFocus. Nvidia Corp. (NVDA, Financials) will have to live with restrictions on how it sells artificial intelligence chips to China, U.S. Commerce Secretary Howard Lutnick said Tuesday. Speaking to reporters, Lutnick emphasized that detailed licensing conditions were developed with the State Department to regulate Nvidia's sales of its H200 accelerators. The license terms are very detailed, and those terms Nvidia must live with, he said, according to comments obtained. The restrictions stem from an agreement last year under which President Donald Trump approved limited H200 sales to China in exchange for 25% of the revenue generated from those chips. Last month, Beijing informed domestic firms including Alibaba Group Holding Ltd., Tencent Holdings Ltd., and others that they could begin preparing orders. The fate of potential shipments to ByteDance Ltd. remains uncertain as negotiations continue over usage conditions tied to U.S. national security concerns. The Biden administration and Congress have maintained tight oversight of AI chip exports to China amid fears the technology could strengthen Beijing's military and surveillance capabilities. Nvidia shares dipped slightly following Lutnick's remarks.
MP Materials surged 224% in 2025. Can the rare-earth miner beat the market in 2026? MP Materials (MP 0.73%) was on a tear in 2025. By the end of the year, shares of the rare-earth miner and permanent magnet manufacturer were up 224%. At one point in October 2025, shares of MP had climbed about 440%, before a broader sell-off in the market sent the stock back to earth. MP stock is currently beating...
MP Materials surged 224% in 2025. Can the rare-earth miner beat the market in 2026? MP Materials (MP 0.73%) was on a tear in 2025. By the end of the year, shares of the rare-earth miner and permanent magnet manufacturer were up 224%. At one point in October 2025, shares of MP had climbed about 440%, before a broader sell-off in the market sent the stock back to earth. MP stock is currently beating the market, with a roughly 10.5% gain so far this year. Even with policy winds at its back, however, a few things need to go right for this rare-earth company to have another breakout year. Expand NYSE : MP MP Materials Today's Change ( -0.73 %) $ -0.46 Current Price $ 62.34 Key Data Points Market Cap $11B Day's Range $ 61.60 - $ 63.90 52wk Range $ 18.64 - $ 100.25 Volume 29K Avg Vol 8.6M Gross Margin -2627.54 % America's homegrown rare-earth champion MP Materials is a U.S.-based rare-earth company that owns and operates the Mountain Pass mine in California, which is currently one of the only large-scale rare-earth mines in the country. It also operates a facility called Independence in Fort Worth, Texas, that can turn rare-earth material into permanent magnets that generate their own magnetic field. MP currently sits at a crossroads of geopolitical and economic currents. Rare-earth magnets are vital for tech, defense, and clean energy sectors. But for years the U.S. has relied heavily on China for magnet supply, which has given Beijing leverage over the U.S. In July 2025, the Department of Defense (DoD) invested $400 million in MP, becoming its biggest shareholder, and entered a public-private partnership with the company. Under the agreement, the DoD will buy 100% of the magnets produced at its second U.S. magnet factory for 10 years after the facility is built. It also guaranteed a generous price floor of $110 per kilogram for MP's neodymium-praseodymium (NdPr) product. That news helped MP stock finish July over 100% higher. Is MP Materials a buy right now? If you belie...
Colombia’s fiscal hole is so deep that it warrants an International Monetary Fund program to get it back under control, according to a center-right candidate in the country’s upcoming presidential election. Juan Carlos Pinzón , a former ambassador to the US, said he would also revive the fiscal rule, or balanced-budget act, to restore investor confidence and thereby slash borrowing costs, which ar...
Colombia’s fiscal hole is so deep that it warrants an International Monetary Fund program to get it back under control, according to a center-right candidate in the country’s upcoming presidential election. Juan Carlos Pinzón , a former ambassador to the US, said he would also revive the fiscal rule, or balanced-budget act, to restore investor confidence and thereby slash borrowing costs, which are among the highest in emerging markets. If he wins, “I’m going to Washington to reach an agreement with the IMF, and I plan to present this entire plan to them in order to secure the backing and support of international markets,” Pinzón said in an interview at Bloomberg’s Bogotá office. Pinzón said he didn’t “feel the need to use” IMF help, but that he would seek contingent credit as a “backstop” while committing to the fiscal rule and plans to reduce public debt starting in 2028. He said he’d also seek an alliance with Washington on national security, intelligence, technology and joint extraction of key minerals as part of his plan to boost growth and rebuild the nation’s armed forces. Pinzón, 54, was also defense minister under former President Juan Manuel Santos , who signed a peace deal with the Revolutionary Armed Forces of Colombia, the Marxist rebel group known as FARC. Pinzón is among the crowded field of candidates vying to replace outgoing President Gustavo Petro later this year. He’ll first face eight other hopefuls in a March 8 primary that will select a single center-right presidential nominee. He registered 7% of the vote in a recent AtlasIntel poll for Semana magazine, lagging frontrunner Senator Paloma Valencia, who led with roughly 27%. Petro’s spending policies have put Colombia under deep fiscal strains that have been exacerbated by his inability to steer tax increases through Congress. His government suspended the fiscal rule last year, and later sought to enact billions of dollars in tax hikes by decree after declaring an economic emergency, only for C...
Image source: The Motley Fool. Tuesday, February 10, 2026 at 4:30 p.m. ET CALL PARTICIPANTS Chief Executive Officer — David Girouard Incoming Chief Executive Officer — Paul Gu President and Chief Capital Officer — Sanjay Datta Need a quote from a Motley Fool analyst? Email [email protected] TAKEAWAYS Leadership Transition -- Paul Gu will become Chief Executive Officer on May 1, with David Girouard...
Image source: The Motley Fool. Tuesday, February 10, 2026 at 4:30 p.m. ET CALL PARTICIPANTS Chief Executive Officer — David Girouard Incoming Chief Executive Officer — Paul Gu President and Chief Capital Officer — Sanjay Datta Need a quote from a Motley Fool analyst? Email [email protected] TAKEAWAYS Leadership Transition -- Paul Gu will become Chief Executive Officer on May 1, with David Girouard transitioning to Executive Chairman, following a multi-year succession plan explicitly stated in the call. -- Paul Gu will become Chief Executive Officer on May 1, with David Girouard transitioning to Executive Chairman, following a multi-year succession plan explicitly stated in the call. Revenue Growth -- Reported total revenue of $1.04 billion for the year, a 64% year-over-year increase. -- Reported total revenue of $1.04 billion for the year, a 64% year-over-year increase. Personal Loan Origination -- Origination dollars in the personal loan segment grew 41% year over year in Q4, representing the twelfth consecutive year of expansion for that product. -- Origination dollars in the personal loan segment grew 41% year over year in Q4, representing the twelfth consecutive year of expansion for that product. New Product Expansion -- Originations in auto and home loan categories each grew 5x year over year, with both showing accelerated growth in Q4. -- Originations in auto and home loan categories each grew 5x year over year, with both showing accelerated growth in Q4. Q4 Loan Origination Volume -- Reached approximately $456,000 loan transactions, up 86% year over year and 6% sequentially, representing about 307,000 new borrowers. -- Reached approximately $456,000 loan transactions, up 86% year over year and 6% sequentially, representing about 307,000 new borrowers. Profitability Metrics -- Net income shifted from negative $2.8 million in Q4 of the prior year to positive $19 million in the current quarter, with full-year net income of $54 million. -- Net income shifted fro...