Postos
100No segundo trimestre a UnitedHealth Group ($UNH (+3,32%) ) foi a ação mais comprada pelos hedge funds!
Insiders, reguladores, hedge funds, etc, aparentemente estão todos a comprar.📊
No entanto a ação continua em mínimos, tendo corrigido 57% em 1 ano. Será que estamos perante uma oportunidade?
$UNH
$UNH
$TSM (+0,36%)
$GOOGL (-0,41%)
$META (-0,54%)
$TMO (+0,92%)
$TXN (-0,86%)
$AMAT (+0,82%)
$ICON
$ADBE (+0,65%)
$BAC (+0,02%)
$WBD (+6,89%)
$AVGO (-0,32%)
$MCHP (+0,59%)
🚀 Bank of America’s Q2 2025 earnings reveal a bold shift to digital banking & stablecoins! 💰 Q2 net income hit $7.1B (+3% YoY), revenue up 4% to $26.5B, driven by 7% NII growth to $14.8B. CEO Moynihan announced plans to use stablecoins for transactions, eyeing partnerships with JPMorgan & Citigroup to move trillions in client assets via blockchain. With 47M mobile users & $1T in CashPro payments, BofA is set to lead in digital finance. The GENIUS Act could unlock this potential, pending regulatory clarity. CET1 ratio at 11.5% & $13.7B in capital returns signal strength. #Banking #Crypto $BAC (+0,02%)
$XRP (+0,18%)
🔹 Revenue: $26.5B (Est. $26.6B) 🟡; +4% YoY
🔹 EPS: $0.89 (Est. $0.85) 🟢; +7% YoY
🔹 NII: $14.67B (Est. $14.59B) 🟢; +7% YoY
Guidance:
🔸 Expects to deliver operating leverage in H2 2025
🔸 Reaffirmed Q4 Net Interest Income outlook: $15.5B–$15.7B
Consumer Banking
🔹 Revenue: $10.8B; UP +6% YoY
🔹 Net Income: $3.0B
🔹 Average Loans: $319B; UP +2% YoY
🔹 Credit/Debit Card Spend: $244B; UP +4% YoY
🔹 Consumer Investment Assets: $540B; UP +13% YoY
Global Wealth & Investment Management (GWIM)
🔹 Revenue: $5.94B (Est. $5.96B)🟡; UP +7% YoY
🔹 Net Income: $1.0B
🔹 Asset Management Fees: $3.6B; UP +9% YoY
🔹 Client Balances: $4.4T; UP +10% YoY
🔹 AUM: $2.0T; UP +13% YoY
Global Banking
🔹 Revenue: $5.69B; DOWN -6% YoY
🔹 Net Income: $1.7B
🔹 Investment Banking Fees: $1.43B (Est. $1.27B) 🟢
🔹 Average Deposits: $603B; UP +15% YoY
Global Markets
🔹 Trading Revenue (ex-DVA): $5.38B (Est. $4.94B) 🟢; +15% YoY
🔹 FICC (ex-DVA): $3.25B (Est. $2.96B) 🟢; +19% YoY
🔹 Equities (ex-DVA): $2.13B (Est. $2.06B) 🟢; +10% YoY
🔹 Net Income: $1.5B
🔹 Total Revenue: $6.0B; UP +10% YoY
Other Metrics
🔹 Loans $1.15T, (Est. $1.12T) 🟡
🔹 Total deposits $2.01T, (Est. $1.99T) 🟡
🔹 Net Interest Income (FTE): $14.82B (Est. $14.84B) 🟡
🔹 CET1 Ratio (Standardized): 11.5% (Est. 11.7%) 🔴
🔹 Net Income: $7.1B; UP +3% YoY
🔹 Provision for Credit Losses: $1.59B; UP from $1.48B QoQ
🔹 Net Charge-Offs: $1.53B; Flat QoQ
🔹 Noninterest Expense: $17.2B; UP +5% YoY
🔹 Book Value/Share: $37.13; UP +8% YoY
🔹 Tangible Book Value/Share: $27.71; UP +9% YoY
🔹 ROE: 10.0%; ROTCE: 13.4%
🔹 Returned $7.3B to shareholders; includes $5.3B in buybacks
CEO Commentary
🔸 “We delivered another solid quarter, with earnings per share up 7% from last year.”
🔸 “Consumers remained resilient, with healthy spending and asset quality.”
🔸 “We saw good momentum in our markets businesses.”
🔸 “Returned 40% more capital to shareholders YTD vs. last year.”
As the earnings season starts again, here is a summary of the most important figures next week.
$JPM (+0%)
$C (-0,35%)
$WFC (-0,5%)
$BLK (+0,19%)
$JNJ (+0,41%)
$GS (-0,25%)
$BAC (+0,02%)
$AA (+0,62%)
$ASML (+1,39%)
$PLD (+0,9%)
$UAL (-0,79%)
$KMI (-0,09%)
$PEP (+0,82%)
$ABT (-1,61%)
$Netflix
$TSM (+0,36%)
$USB (-0,04%)
$IBKR (-3,96%)
$AXP (+0,5%)
$MMM (+0,89%)
$GS (-0,25%)
$WFC (-0,57%)
$BAC (+0,02%)
$JPM (+0%)
Fed Stress Test Follow-Up:
All 22 major banks passed, remaining above their minimum CET1 capital requirements.
Strong signal of balance sheet resilience — bank stocks are surging in AH trading.
Hi Dear GQ Community,
Today I wanted to share my portfolio with you and see what you think or say about it. You are welcome to make suggestions for improvement. 😃
First of all about me, I am 31 years old, father of 2 children and only work as a service technician 👷♂️unterwegs which is why I currently have no more than 100€ - 130€ per month available to invest. I always thought with your high sums that I would not divide my portfolio because it is so small. But today I'm just going to do it 😅.
I've only been investing since the end of May 2025. I'm looking for dividends that are partly reinvested and partly paid out. But I want to save for old age in the long term to possibly supplement my pension 🧓later on. 💰💸
Now to the portfolio. I don't currently have a plan for how much of my budget is going where. I'll look at it for a month and then decide who has performed best 📈 and who has performed less 📉.
I currently have:
ETF savings plans:
Individual shares:
Crypto:
The savings plans are saved every month and the individual shares are saved more or less depending on the month. Because $BTC (+1,1%) to be honest, I'm in it just for fun. I'd like to see where the journey takes me.
As I said, I'll decide exactly how it will be divided up next month when I see who has performed best by then. And then it will be adjusted monthly.
At the moment my portfolio is only in the red with the order fees from Trade Republic, if these weren't there I would already be slightly in the black. But I am investing for the long term and am not out for day trading.
Now I'm curious to hear what you have to say, and please don't completely tear me apart 😅.
🔹 EPS: $0.90 (Est. $0.82) 🟢
🔹 Revenue (Net of Interest Expense): $27.37B (Est. $25.78B) 🟢; UP +6% YoY
🔹 Net Interest Income (FTE): $14.59B (Est. $14.57B) 🟢
🔹 Total Deposits: $1.99T (Est. $1.97T) 🟢
🔹 Provision for Credit Losses: $1.48B (Est. $1.53B) 🟡
🔹 Net Charge-offs: $1.45B (Est. $1.52B) 🔴
🔹 Noninterest Expenses: $17.77B (Est. $17.62B) 🔴
Segment Performance:
Consumer Banking
🔹 Net Income: $2.5B
🔹 Revenue: $10.5B; UP +3% YoY
🔹 Loans & Leases: $315B; UP +1% YoY
🔹 Combined Card Spend: $228B; UP +4% YoY
🔹 Digital-enabled Sales: 65% of total
🔸 ~250K net new consumer checking accounts (25th straight quarter of growth)
🔸 Active Mobile Users: 40.5M; UP +5% YoY
Global Wealth & Investment Management
🔹 Net Income: $1.0B
🔹 Revenue: $6.0B (Est. $6.0B) 🟢
🔹 Client Balances: $4.2T; UP +5% YoY
🔹 AUM: $1.91T; AUM Flows: $24B
🔸 Pretax Margin: 22%
🔸 Merrill Digitally Active Clients: 87%
Global Banking
🔹 Net Income: $1.9B
🔹 Revenue: $6.0B; Flat YoY
🔹 Investment Banking Revenue: $1.52B (Est. $1.55B) 🔴
🔸 Middle Market Average Loans: UP +4%
🔸 Stronger treasury service charges, lower CRE provisions
Global Markets
🔹 Net Income: $1.9B
🔹 Trading Revenue (ex-DVA): $5.65B (Est. $5.55B) 🟢
🔹 FICC (ex-DVA): $3.46B (Est. $3.47B) 🟡
🔹 Equities (ex-DVA): $2.18B (Est. $2.06B) 🟢
🔸 Sales & Trading Revenue: $5.7B; UP +11% YoY
Capital, Liquidity & Shareholder Returns:
🔹 CET1 Ratio (Standardized): 11.8% (Est. 11.8%) 🟡
🔹 CET1 Ratio (Advanced): 13.3% (Est. 13.5%) 🔴
🔹 Book Value / Share: $36.39; UP +8% YoY
🔹 Tangible Book Value / Share: $27.12; UP +9% YoY
🔹 Dividends: $2.0B
🔹 Share Buybacks: $4.5B
CEO Brian Moynihan's Commentary:
🔸 "Strong quarter, driven by higher NII and 12th consecutive quarter of YoY trading revenue growth. Clients show resilience despite macro shifts. Our diversified model and responsible growth strategy position us for strength across economic cycles."
I’m waiting for all the tariff movement to settle down before I reinvest in the new account, but these are the stocks I’m planning to put in the new account
I’m putting between $300 and $500 into each stock and I’m trying to get stocks from every sector
Would love to hear any feedback you have
1 Share of $MCD (+0,88%)
2 Shares of $AMZN (+0,61%)
1 Share of $MSFT (-0,01%)
2 Shares of $AAPL (+0,58%)
1 Share of $UNH (+3,32%)
3 Shares of $SPG (+0,05%)
4 Shares of $XOM (+0,13%)
11 Shares of $BAC (+0,02%)
1 Share of $LIN (+0,2%)
5 Shares of $SO (-0,14%)
5 Shares of $WMT (-1,57%)
2 Shares of $BA (+1,12%)
2 Shares of $GOOG (-0,34%)
I just bought more $BAC , my average price now is about 42€, what do you say?
(I am a new investor)
In January I decided to set up a dividend portfolio for myself. I immediately used the setback in February to end my one-year "test phase" as a stock market novice and start my long-term plan. In addition to two dividend-paying ETFs for retirement provision $XDWL (+0,07%) & $XSX7 (+0,26%) I want to build up a strong portfolio through stable dividend stocks, regular purchases and reinvestment of dividends.
I would like to take you with me on my journey and now share regular updates on the development of my portfolio.
You can find my goals and how I want to achieve them in my first post → My path to financial freedom: I'm building a dividend portfolio - goals & strategy 📈💰
📊 My current dividend portfolio (sorted by market capitalization):
1️⃣ $SAP (-0,09%) - Europe's largest software group with a stable dividend policy
2️⃣ $BAC (+0,02%) - One of the largest US banks with a solid payout
3️⃣ $AXP (+0,5%) - Strong brand with long-term potential
4️⃣ $ALV (+1,33%) - High dividend yield & strong financials
5️⃣ $DB1 (+0,36%) - Benefits from rising trading volumes
6️⃣ $BATS (-1,21%) - High dividend yield & stable cash flow
7️⃣ $MO (-0,14%) - Continuous dividend increases, but regulatory risks
8️⃣ $O (-0,21%) - The famous "Monthly Dividend Company" REIT
9️⃣ $INGA (+0,81%) - European bank with attractive dividend yield
I start my journey with these 9 stocks. All of them convince me and are stable stocks. I'm not doing anything here for no reason. That's why there's a good reason for every stock I buy.
If you would like to know why I chose one of the stocks, let's discuss it in the comments. I look forward to the exchange! 😊
I wish you a good start to the weekend!
#Dividendenstrategie
#FinanzielleFreiheit
#Investieren
#Börse
#Dividenden
#PassivesEinkommen
#Aktien
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