Investment and life

Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。  NVDA Q3 FY26 finance report NVDA Q3 FY26 finance reportNvidia's Q3 earnings hit $57 billion, surpassing estimates, with Q4 projected at $65 billion. Nvidia's CEO Jensen Huang announced record sales of Blackwell GPUs during the earnings call, highlighting that cloud GPUs are sold out, reflecting strong demand in the AI infrastructure market. Evercore raised Nvidia's price target to $352, citing a 95% upside from rising demand for Blackwell products, with revenue up nearly 50% to over $13 billion as supply improved. Income statement: R...

Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。  Visa Inc. — Five‑Year Review and Investment Note Executive summary Visa operates a dominant global payments network, processing 200+ billion transactions across 200+ countries. Over the last five fiscal years (FY2021–FY2025) Visa delivered durable top‑line and EPS compounding driven by digital payments, cross‑border recovery, and value‑added services. FY2025 GAAP net income was muted by litigation provisions (~$1.2–1.5B); adjusted metrics show continued underlying momentum. Recommendation: core long‑term holding; tactical buy zone below $280 ...

PLTR Q3 2025 Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。 > Palantir's Q3 2025 was its strongest to date, with revenue up 63% YoY and 18% sequentially, driven by 121% YoY growth in U.S. commercial. The company achieved a record 114% Rule of 40 score and raised full-year revenue guidance to $4.398B, citing surging demand for AIP. **Performance Highlights**   - **Revenue:** $1.181B, up 63% YoY and 18% QoQ     - Surpassed guidance by 1,300 bps; highest-ever reported revenue growth. - **Adjusted Operating Margin:** 51%     - Exceeded guidance by 500 bps, reflectin...

📊 Berkshire Hathaway Q3 2025 Insights Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。 1. Headline Takeaways Operating Profit Surge : +34% YoY to $13.5B, driven by insurance underwriting strength. Cash Pile Record : $382B, surpassing prior highs, with   no buybacks   executed. Segment Divergence : Insurance underwriting and manufacturing strong; energy weak; investment income pressured by lower rates. Leadership Transition : Warren Buffett’s final quarter as CEO; Greg Abel to take over in 2026. Strategic Move : $9.7B acquisition of Occidental’s chemical business—the largest since 2022....

 Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。 AMZN Q3 FY25 $AMZN Amazon Q3 FY25: • Revenue +13% Y/Y to $180.2B ($2.4B beat). • Operating margin 10% (+0.5pp Y/Y). • EPS $1.95 ($0.39 beat). • Q4 Guidance: ~$209.5B ($1.4B beat). ☁️ AWS: • Revenue +20% Y/Y to $33.0B. • Operating margin 35% (-3pp Y/Y).

Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。 APPL Q4 FY25 $AAPL Apple Q4 FY25 (Sept. quarter): 💳 Services +15% Y/Y to $28.8B. 📱 Products +5% Y/Y to $73.7B. • Revenue +8% Y/Y to $102.5B ($0.2B beat). • Operating margin 32% (+0.5pp Y/Y). • EPS $1.85 ($0.08 beat).

Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。  META Q3 FY25 $META Meta Q3 FY25: 👨‍👩‍👧‍👦 Daily active people +8% Y/Y to 3.54B. 👀 Ad impressions +14% Y/Y. • Revenue +26% Y/Y to $51.2B ($1.8B beat). • EPS $1.05 ($5.66 miss). • Taxes include $15.9B one-off adjustment. • FY25 Capex $70-72B (prev. $66-72B). Serious impacted by TAX, t ailwind for Net Income for the rest of the year due to less taxes payable going forward.

Disclaimer: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial advice. Investment decisions should be based on your specific financial situation and needs, and after consultation with a qualified financial advisor. 免責聲明：網頁屬個人博客，一切言論純粹是表達本人的個人意見或經驗分享，無論在任何情況下，不應被視為投資建議，也不構成要約、招攬、邀請、誘使、建議或推薦，本人亦無法保證部落格內容的真實性和完整性。讀者務請運用個人獨立思考能力自行求證和分析，讀者一切的投資決定以及該投資決定引致的收益或損失，概與本人無涉。 華爾街進入高速運轉狀態 受交易激增、交易部門業績創紀錄以及消費者韌性的推動，美國最大的幾家銀行在第三季度取得了多年來最強勁的業績。 併購交易額突破1兆美元，市場波動活躍，財富管理業務悄悄成為明星板塊，股市上漲帶動客戶資產和手續費收入成長。信貸品質維持穩健，貸款成長加速，連長期低迷的服務和零售銀行等業務部門也屢創新高。 高層基調謹慎，通膨居高不下、關稅以及就業成長放緩等問題仍是需要關注的焦點。但在宏觀經濟的種種雜音之下，傳遞的訊息卻很明確：銀行業巨頭們已經重拾攻勢。 讓我們來分析一下結果。 今日概覽： 大局 摩根大通：交易繁榮 美國銀行：併購活動爆發 富國銀行：成長新時代 摩根士丹利：股票皇冠收緊 高盛：交易主導業務 花旗集團：火力全開 大局 以下是按市值排名的美國最大銀行的最新名單。 再次提醒，銀行的收入主要來自兩個面向： 💵 淨利息收入 (NII)：貸款（如抵押貸款）所獲利息與支付給存款人（如儲蓄帳戶）的利息之間的差額。它是許多銀行的主要收入來源，並且取決於利率。 👔 非利息收入：指與利息無關的服務收入，包括手續費（如ATM提款手續費）、諮詢服務費及交易收入。較依賴非利息收入的銀行受利率變動的影響較小。 以下是2025財年第三季的主要進展： 📊併購交易重回正軌：第三季併購交易量創下...