In 2022, I made a call that made people question my judgment.

I told my readers to buy Rolls-Royce. The stock was trading under $2.

Most people heard "Rolls-Royce" and pictured luxury cars for billionaires. A relic. A name from another era.

But that's not what I saw.

I saw a world-class aerospace company — one that builds the engines powering half the world's wide-body aircraft — hidden beneath a name the market had stopped taking seriously.

There was a massive disconnect between price and reality. And disconnects like that don't last forever.

The stock eventually climbed more than 1,100% over a 3–4-year period.

Over that time, some subscribers reported making $141,000. Others reported $272,000. One told us he'd made more than $1 million.

I believe the same kind of setup is unfolding right now — in a completely different sector. See what I'm looking at today.

I'm not bringing up Rolls-Royce to relive an old winner.

I'm bringing it up because the pattern I'm seeing today feels eerily familiar.

A misunderstood technology. A market that's barely paying attention. And a catalyst that could force investors to take a second look.

The technology is what I call the Energy Cube.

Here's what most people don't realize: there's a next-generation compact nuclear energy system — roughly the size of a shipping container — capable of powering up to 1,000 homes. No combustion. No emissions. It runs 24 hours a day regardless of whether the sun is shining or the wind is blowing. And it may be the single most viable answer to the biggest bottleneck in the AI buildout: the explosive demand for always-on, clean power that the current grid simply cannot meet.

Bill Gates has backed companies tied to it.

Jeff Bezos has backed companies tied to it.

Google and Microsoft are making billion-dollar commitments in the same direction.

Yet most investors still have no idea this technology — or the company behind it — even exists. Get the full story behind the Energy Cube.

That may change very soon.

The Nuclear Regulatory Commission is expected to issue a key approval decision as early as September — the first of its kind for this class of technology in over a decade. If that approval comes through, it would clear the single biggest regulatory hurdle standing between this company and full-scale commercial deployment. And it could force institutional capital off the sidelines overnight.

The market eventually figured out Rolls-Royce. By the time it did, the biggest gains were already behind the people who waited.

I believe the same window may be opening right now.

See Why I'm Making This Call Now

Yours in smart speculation,

Karim Rahemtulla
Co-Founder, Monument Traders Alliance

P.S. The NRC decision I'm watching is expected in September. If it plays out the way I anticipate, this stock may not stay under the radar much longer. I'd encourage you to watch my full presentation before then — while the opportunity is still ahead of the news cycle.

OneMain’s Yield Comes With a Catch

Author: Peter Frank. Originally Published: 8/30/2026.

OneMain Holdings (NYSE: OMF) has built its business on lending to people whom other banks turn away. It’s profitable, and for income investors, its dividend yield is hard to resist. But the company also has an unsteady history, including up-and-down earnings, declining loan quality and lawsuits alleging deceptive sales or marketing practices.

Still, analysts regard it as a Moderate Buy, with recent price-target increases and reiterated Buy ratings. Investors can find much to like, but they may want to exercise caution before jumping in without a clear understanding of the company’s financials.

A Growing Nonprime Lending Business

OneMain is not in a glamorous business, but it is one that appears likely to remain in demand. The installment lender serves nonprime borrowers through more than 1,500 branches in over 40 states, along with a growing online and credit-card business.

The company is expanding, having recently surpassed 4 million customer accounts, an increase of 14% from a year ago. OneMain credits its auto finance and credit-card segments for much of that growth, along with product innovation in personal loans.

Growth Comes With Weaker Earnings

OneMain’s latest results highlight two competing narratives.

On July 29, the company posted second-quarter net income of $152 million and diluted earnings per share of $1.32, down from $167 million and $1.40 a year earlier. The lower results came even as total revenue climbed 6% to $1.62 billion, exceeding analysts’ expectations.

The growth side of the ledger is positive. Managed receivables reached $26.9 billion, up 6.5% from a year earlier. Consumer loan originations jumped 10% to $4.3 billion, with gains spread across personal loans, auto finance and the newer credit-card business.

Auto originations increased 19% year over year, while credit-card accounts grew 44% and purchase volume rose 57%.

Credit Costs Remain a Concern

Credit costs, however, tell the other side of the story.

The company reported that its provision expense for finance receivables, which comes directly out of earnings, rose more than 19% to $610 million. The consumer loan net charge-off ratio stood at 7.77%, up from 7.19% a year ago, though down from 8.02% at the end of March.

Management pointed to an improving trend. The company said its riskiest legacy loans, originated before an August 2022 credit tightening, now make up just 4% of the portfolio. Those loans still account for 12% of delinquencies of more than 30 days, a legacy drag that should presumably continue to shrink.

Overall, during the first half of the year, loans delinquent between 30 and 89 days declined by 28 basis points. Credit-card net charge-offs also fell, declining 186 basis points year over year to 17.7%. Although lower, that figure remains roughly four times higher than the industry average for commercial banks.

Management Sees Improving Trends

Those positive trends, combined with strong top-line growth and receivables approaching $27 billion, helped support the company’s guidance for 6% to 9% growth in managed receivables. Management expects consumer and insurance net charge-offs to range between 7.4% and 7.9%.

In other words, the story is mixed, but management remains positive.

A Generous Dividend Rewards Investors

For income investors, the capital-return story remains the primary headline. OneMain recently declared a quarterly dividend of $1.05 per share, or $4.20 annualized, which works out to a yield of 6.6%.

The company also repurchased $32 million of its stock during the quarter, bringing first-half 2026 buybacks to $137 million—about 3.8 times the amount repurchased during the same period in 2025.

Legal Troubles Add to the Risk

The numbers aside, OneMain’s business itself tells a complicated story.

On March 16, a bipartisan coalition of 13 state attorneys general, led by New York and Pennsylvania, sued OneMain, alleging a bait-and-switch scheme that packed loans with hidden add-on products such as credit insurance and membership plans. That case is ongoing.

The allegations also echoed a 2023 settlement in which OneMain paid $20 million to resolve similar Consumer Financial Protection Bureau allegations.

As expected, the charges hit the stock hard. In March, OneMain shares fell more than 10% in intraday trading before recovering somewhat and ending the day 5% lower. The decline was followed by announcements from law firms that they had opened securities-fraud investigations into whether OneMain misled investors about its compliance practices.

The company calls the states’ claims baseless, but the litigation and related securities probes remain risks to monitor until there is more clarity.

Competition and the Credit Cycle Loom

Legal issues aside, competition and the credit cycle add a second layer of caution. OneMain broadly competes with Credit Acceptance Corporation (NASDAQ: CACC) in some segments, as well as with Ally Financial (NYSE: ALLY) and Synchrony Financial (NYSE: SYF), among others, to varying degrees.

Nonprime lending is also notoriously cyclical. With subprime auto delinquencies elsewhere in the industry reaching levels not seen in nearly 20 years, any meaningful economic downturn could hit OneMain’s borrowers first and hardest.

Analysts Remain Generally Positive

With all that understood, analysts remain generally positive. Of the 12 analysts tracking the company, the consensus rating is a Moderate Buy.

Eight analysts rate the stock a Buy, three list it as a Hold and one recommends a Sell. Since the latest earnings release, three analysts have raised their price targets, and one reiterated a Market Outperform rating.

The 12-month target price is $68.40 per share, implying roughly 8% upside. The highest target is $80, while the lowest is $55.

That outlook contrasts with the company’s performance so far this year. Shares are down 6% year to date, while their one-year performance is up only about 4%.

Over the past three months, however, OneMain shares have climbed 17%. Thus, the recent results—even with the continuing legal overhang—appear to have given investors something substantive to applaud.