Dear Reader,

---------- Forwarded message ---------
From: Chris Graebe <[email protected]>
Sent: Thursday, April 09, 2025 9:45 AM

Dear Reader,

America's rapidly surging debt is no secret.

But for years, Wall Street and Washington have treated our $38 trillion national debt like a problem for tomorrow.

A crisis they can just keep kicking down the road.

However, the conflict in the Middle East over the last two weeks just violently accelerated the timeline.

With the Strait of Hormuz locked down, oil is surging. And analysts are predicting $150 a barrel if this drags on.

When oil spikes like that, inflation roars back into the economy.

In the past, the government would try to print, cut, or borrow its way out of an inflation shock.

But you cannot do that when you're sitting on a $38 trillion mountain of debt and paying $1 trillion a year as interest on it.

In short, this match has just hit a powder keg.

And it's going to trigger a radical, violent shift in the U.S. stock market.

Popular household stocks that looked untouchable a month ago could get gutted. And another set of overlooked stocks could go for massive, historic runs.

That's why I rushed to get this special broadcast live this morning.

Inside, I pull back the curtain on a 100-year-old market signal.

It's the exact same data-driven signal that called the bank collapses of the 1980s, the 2008 financial crisis, and the 2020 crash.

And right now, it is flashing its most urgent warning in decades.

I'm not going to ask you to read a 50-page economic report to understand this. I've laid it all out in a new video presentation that's officially live as of a few minutes ago.

You'll see exactly what this signal is telling us to do with our money today.

More importantly …

I'm giving away the names and ticker symbols of 3 stocks this system just upgraded to an urgent "BUY."

No strings attached. You'll get the names directly inside the video.

If you have a 401(k), an IRA or a standard brokerage account right now, you cannot afford to ignore this data.

Click here to watch the urgent $38T briefing and get your 3 free stock picks now

Chris Graebe Weiss Ratings

These 3 Fintech Stocks Offer High Risk/Reward Potential

Reported by Nathan Reiff. Article Published: 4/20/2026.

Despite substantial hype several years ago, the fintech space has faced challenges over the past couple of years. Interest rate shifts, changing consumer spending patterns, and the dominance of AI-focused tech names have obscured some potentially strong financial technology firms, which are trading well below analysts' expectations.

For investors, the task is finding companies with an attractive risk/reward profile. Smaller fintechs can carry significant operational risk but also the potential for substantial upside.

URGENT: $2 Gold Stock With Major Discovery (Ad)

A $2 gold stock is said to quietly control what may be the largest gold deposit in the world - worth nearly $1 trillion.

According to Jim Rickards, an announcement is expected around July 1 that could bring this historic discovery into public view.

See the full details on this $2 gold stock before July 1

The three companies below may fit that profile. While they carry risks, the industry downturn has allowed some fintechs to restructure operations and sharpen their offerings.

Open Lending Is a Major Risk as an Unproven Penny Stock, But Recent Trajectory Bodes Well

Open Lending (NASDAQ: LPRO) may be the highest-risk stock on this list. The $185-million market-cap company is a penny stock—a high-risk segment of the market—with a narrow niche in auto lending. Open Lending's platform serves credit unions and banks, not consumers directly. In its latest quarter, that focus produced revenue of $19.4 million—an appreciable year-over-year (YOY) improvement despite missing analyst expectations.

The company swung to a net income of nearly $2 million, compared with a net loss of about $144 million in the year-ago quarter. For 2026, management expects momentum to continue, forecasting up to 110,000 certified loans (up from just over 97,000 last year) and adjusted earnings before interest, taxes, depreciation, and amortization that could nearly double to as much as $29 million.

For a small company, debt can be critical. Open Lending repaid $50 million in term debt over the past year. Its newest platform also expands access to prime credit—an initiative that may not yet be fully reflected in the company's fundamentals.

Analysts remain cautious—the stock carries a Hold rating—but many expect meaningful upside in the next 12 months if execution holds.

Repay's Network Growth and Planned KUBRA Acquisition Could Be Game Changers

Repay Holdings (NASDAQ: RPAY) provides integrated payment solutions across industries including auto and personal lending, healthcare billing, and other verticals. The company focuses on complex payment flows that larger generalist fintech providers sometimes can't support. Like Open Lending, Repay is a penny stock; at a $283 million market cap it is somewhat larger, but it still carries material risk for investors.

Alongside those risks is the potential for reward. Based on analyst estimates, Repay has upside potential of more than 70%. In the company's latest quarter, normalized revenue rose 10% YOY and normalized gross profit increased 9%. The firm converts about 43% of revenue into free cash flow, which has supported growth.

Repay is seeing traction: its supplier network surged nearly two-thirds to 602,000 last quarter. Perhaps most significant is the planned acquisition of KUBRA Data Transfer. While the deal has faced pushback, if it proceeds it could create a combined company that processes roughly $130 billion in annual payments and materially boosts free cash flow.

A Non-Penny Alternative That Still Sports Great Growth Potential

By contrast, digital banking solutions firm Q2 Holdings (NYSE: QTWO) is not a penny stock. With about a $3 billion market cap and roughly 25 million account holders, Q2 is more embedded in the financial system. It may be overlooked for its transformational potential after a recent cloud migration that could materially improve gross margins.

Revenue has risen rapidly, and GAAP net income returned to positive last year after prior-year losses. Subscription-based annual recurring revenue is increasing alongside a growing backlog—both indicators of potential continued momentum.

Analysts are generally more bullish on Q2 than on the two penny stocks above: eight of 12 ratings are Buy or equivalent. While QTWO may be relatively more stable, it still has significant upside potential—analysts project roughly 50% upside and about a 70% increase in earnings in the coming year.

Berkshire Bet Constellation Cuts Guidance: Why Shares Rose 8%

Reported by Leo Miller. Article Published: 4/10/2026.

Constellation Brands (NYSE: STZ), one of just 42 stocks in Berkshire Hathaway's (NYSE: BRK.B) portfolio, has staged a strong recovery from recent lows. Shares fell as low as $127 in November 2025 — a level that looked overly pessimistic despite headwinds in the alcohol industry. The consumer staples stock has now rebounded above $160, a gain of more than 25%.

The maker of Mexican beer brands Corona, Modelo and Pacifico jumped after its latest earnings release — but that move may be misleading. Given the stock’s bounce and the firm’s results, is Constellation still a value, or is the rebound running out of steam?

Constellation Beats During Quarter, But Guidance Is Concerning

In its latest quarter, Constellation reported revenue of $1.92 billion, down more than 11% year-over-year (YOY). Still, it beat lowered expectations — analysts had forecast $1.84 billion.

URGENT: $2 Gold Stock With Major Discovery (Ad)

A $2 gold stock is said to quietly control what may be the largest gold deposit in the world - worth nearly $1 trillion.

According to Jim Rickards, an announcement is expected around July 1 that could bring this historic discovery into public view.

See the full details on this $2 gold stock before July 1

Comparable earnings per share (EPS) came in at $1.90, above estimates of $1.74, but comparable EPS was down nearly 28% YOY.

The company’s “comparable” EPS adjusts for significant divestments made in fiscal 2025, including certain wine and spirits franchises, to allow comparison of the remaining business lines. While those beats were encouraging, the company’s guidance painted a different picture.

Following the report, Constellation enters FY2027 — its fiscal year runs several quarters ahead of the calendar year. For FY2027 the company expects comparable EPS of $11.20 to $11.90, or $11.55 at the midpoint. That midpoint implies a roughly 2% decline YOY versus FY2026 comparable EPS of $11.82. Guidance missed analyst estimates of $12.38, which implied about 5% YOY growth. The company also withdrew its FY2028 guidance, which it had provided around this time last year.

The guidance clearly disappointed and diverges from expectations set in April 2025, when management projected comparable EPS would grow at a "mid-single digits to low-double digits" compound annual rate from FY2026 to FY2028.

Now the firm projects another year of negative growth after comparable EPS already fell 14% in FY2026. Pulling the FY2028 outlook does little to inspire confidence, so it's curious shares rose more than 8% the day after the earnings release.

Squaring Constellation’s 8% Up-Move: CEO Statements Outweigh Guidance

Some investors may have focused on the quarterly beat, but guidance often matters just as much as results. The company beat quarterly comparable EPS by $0.16, yet missed next-year expectations by $0.83 — a net shortfall of $0.67 in comparable EPS over the most relevant five quarters (the latest quarter plus FY2027).

Guidance withdrawals are rarely viewed positively, so those metrics alone don't justify a sizable share-price jump.

Instead, investors appear to be leaning on remarks from CEO Bill Newlands. The Wall Street Journal quoted Newlands saying, “It’s too early to declare victory, but the trends have been more positive,” suggesting beer sales among Hispanic customers are improving. Hispanic Americans account for roughly 50% of Constellation’s customer base.

Management made similar points in its earnings commentary, noting that while “zip codes with larger Hispanic populations continued to weigh on overall portfolio performance, the impact moderated during the quarter as the rate of decline in those areas improved.”

Still, the guidance update did not convey strong conviction. It’s possible management is being conservative, but the improving trends among Hispanic customers aren’t yet strong enough to justify maintaining prior guidance. Those mixed signals point to elevated uncertainty, making it hard to fully justify the recent share-price move.

Constellation: Focus Turns to the Future of Hispanic Rebound

At present, Constellation appears neither clearly overvalued nor undervalued. Its valuation implies low multi-year growth — achievable if overall beer demand and Hispanic consumption moderately rebound. But the decision to pull FY2028 guidance weakens that thesis. The coming quarters will be important to determine whether improving trends among Hispanic Americans reach a sustainable inflection point.