# Centiview > Fast, sourced takes on markets, AI and the economy. Plus plain-English UK personal finance guides built on official sources (GOV.UK, HMRC, FCA, MoneyHelper). Published by Persie Ltd, trading as Centiview, London. General information only, not financial advice. How to use this site: every take lists the sources it relies on; UK guides show the date their figures were last checked, and UK rules and rates change, so cite the date. Each page has a plain-text version at the same address with ".md" added. Please cite the page URL and the published date. ## Key pages - [Home](https://centiview.com/): latest takes - [UK Personal Finance guides](https://centiview.com/uk-money): all guides by topic - [Companies covered](https://centiview.com/company): takes grouped by ticker - [Daily briefs](https://centiview.com/daily): the daily newsletter archive - [About](https://centiview.com/about), [Editorial standards](https://centiview.com/editorial-standards), [Corrections](https://centiview.com/corrections), [Contact](https://centiview.com/contact) - [RSS feed](https://centiview.com/feed.xml), [JSON feed](https://centiview.com/feed.json), [Sitemap](https://centiview.com/sitemap.xml) - [Investment calculators](https://persie.app): tools from the same team (persie.app) ## UK Personal Finance guides - [Pension Credit in 2026/27: the £238 and £363.25 weekly top-ups and how to claim](https://centiview.com/uk-money/pension-credit-2026-27-who-can-claim): Pension Credit tops up weekly income for people over State Pension age. This guide explains the 2026/27 amounts, who can claim in Great Britain, how… - [Complaining to a bank or lender: time limits and the Financial Ombudsman](https://centiview.com/uk-money/complaining-to-a-bank-and-the-financial-ombudsman): If you are unhappy with a bank, lender or payment firm, there is a set route: complain to the firm first, then the free Financial Ombudsman Service… - [The energy price cap from October to December 2026: what it limits and what it does not](https://centiview.com/uk-money/energy-price-cap-october-december-2026): The energy price cap limits the rates suppliers can charge on standard variable tariffs. This guide explains what the cap covers, the figures Ofgem… - [Gift Aid: how it works for donors and what the 25p top-up means](https://centiview.com/uk-money/gift-aid-how-it-works-for-donors): Gift Aid lets a charity claim an extra 25p from HMRC for every £1 you give, at no extra cost to you. This guide explains who it covers, what you… - [NHS prescription charges: who pays in England and how a prepayment certificate works](https://centiview.com/uk-money/nhs-prescription-charges-and-prepayment-certificates): In England most working-age adults pay a flat charge for each NHS prescription item, while Scotland, Wales and Northern Ireland do not charge. This… - [Buying a home in Scotland or Wales: how LBTT and LTT work](https://centiview.com/uk-money/scotland-wales-property-tax-lbtt-ltt): People buying a home in Scotland pay Land and Buildings Transaction Tax, and in Wales Land Transaction Tax. This guide sets out the rates, bands and… - [Capital Gains Tax in 2026/27: the £3,000 allowance, the rates and reporting](https://centiview.com/uk-money/capital-gains-tax-2026-27-allowance-rates-reporting): Capital Gains Tax is charged on the profit when you sell something that has gone up in value. This guide explains what it applies to, the 2026/27… - [Smart meters: what they do, what they cost and your right to say no](https://centiview.com/uk-money/smart-meters-your-rights-cost-and-choices): A smart meter sends your gas and electricity readings to your supplier automatically. This guide explains what one does, what it costs, when you can… - [Self-employed National Insurance in 2026/27: Class 2 and Class 4 explained](https://centiview.com/uk-money/self-employed-national-insurance-class-2-class-4-2026-27): Self-employed people can pay two kinds of National Insurance, Class 2 and Class 4. This guide explains the 2026/27 rates and limits, how they are… - [Stamp Duty Land Tax on homes in England and Northern Ireland: rates and reliefs](https://centiview.com/uk-money/stamp-duty-land-tax-residential-rates-england-ni): Stamp Duty Land Tax is paid when you buy a home in England or Northern Ireland. This guide explains the standard rates, first-time buyer relief, the… - [Premium Bonds: how the prize draw works, the limits and the tax treatment](https://centiview.com/uk-money/premium-bonds-how-the-prize-draw-works): Premium Bonds from NS&I pay prizes instead of interest. This guide explains who can hold them, the minimum and maximum amounts, how winners are… - [Income Tax refunds: what a P800 letter means and how to claim](https://centiview.com/uk-money/income-tax-refund-p800-how-to-claim): If you have paid too much Income Tax, HMRC may owe you a refund. This guide explains why overpayments happen, what a P800 letter is, and how refunds… - [Child Trust Funds: how to find a lost account and what happens at 16 and 18](https://centiview.com/uk-money/child-trust-fund-find-a-lost-account-2026-27): A Child Trust Fund is a tax-free savings account opened for children born in a set period. This guide explains who had one, how to trace it through… - [Breathing Space: the debt respite scheme in England and Wales](https://centiview.com/uk-money/breathing-space-debt-respite-scheme-england-wales): Breathing Space gives people with problem debt in England or Wales a short pause from creditor action while they get debt advice. This guide explains… - [Pension Tracing Service: how to find contact details for a lost pension](https://centiview.com/uk-money/pension-tracing-service-find-lost-pension): Many people change jobs and lose track of an old workplace or personal pension. This guide explains what the free government Pension Tracing Service… - [Funeral Expenses Payment: who can claim and what it covers](https://centiview.com/uk-money/funeral-expenses-payment-who-can-claim-and-what-it-covers): Funeral Expenses Payment is a government payment that can help people on certain benefits with funeral costs. This guide explains who may qualify… - [Probate in England and Wales: when it is needed and what it costs](https://centiview.com/uk-money/probate-in-england-and-wales-when-needed-and-what-it-costs): Probate is the legal right to deal with the money, property and possessions of someone who has died. This guide explains when it may be needed, who… - [Making Tax Digital for Income Tax: who must use it, from when, and the quarterly dates](https://centiview.com/uk-money/making-tax-digital-income-tax-who-must-use-it-2026-27): Making Tax Digital for Income Tax began for some sole traders and landlords in April 2026. This guide explains who has to use it, the income… - [Trading and property allowances: the £1,000 tax-free allowances explained](https://centiview.com/uk-money/trading-and-property-allowance-1000-pounds-2026-27): Some people earn a little extra from odd jobs, selling their time or renting out property. This guide explains the two £1,000 allowances, when you do… - [Rent a Room Scheme: how much lodger income can be tax free](https://centiview.com/uk-money/rent-a-room-scheme-tax-free-lodger-income): The Rent a Room Scheme lets people who let furnished space in their own home earn some rental income tax free. This guide explains the limit, the… - [Mid-contract price rises on phone and broadband: your rights in England](https://centiview.com/uk-money/phone-broadband-mid-contract-price-rises-your-rights): If your phone or broadband provider raises the price during your contract, you may be able to leave without a fee. This guide explains the 30 day… - [Junior ISA in 2026/27: the £9,000 limit, who can pay in and when the child can use it](https://centiview.com/uk-money/junior-isa-2026-27-limit-and-rules): A Junior ISA is a tax-free savings account for a child. This guide explains the 2026/27 limit, who can open and pay into one, the two types, when a… - [Lasting power of attorney in England and Wales: the two types, the £92 fee and registration](https://centiview.com/uk-money/lasting-power-of-attorney-england-wales-fees-and-types): A lasting power of attorney lets you choose someone to make decisions for you if you lose mental capacity. This guide explains the two types, how to… - [Paternity leave and pay in 2026/27: who qualifies and how to claim](https://centiview.com/uk-money/paternity-leave-and-pay-2026-27-who-qualifies): Employees who become a parent through birth, adoption or surrogacy can take up to 2 weeks of Paternity Leave. This guide explains who qualifies for… - [Statutory redundancy pay in 2026/27: who gets it and how it is worked out](https://centiview.com/uk-money/statutory-redundancy-pay-2026-27-how-its-worked-out): Statutory redundancy pay is a legal minimum for many employees who lose their job through redundancy. This guide explains who qualifies, how the… - [GHIC and travel insurance: what each one covers abroad](https://centiview.com/uk-money/ghic-and-travel-insurance-what-each-covers): The UK Global Health Insurance Card (GHIC) and travel insurance are often mixed up. This guide explains what the free GHIC gives you, what it leaves… - [Basic bank accounts: who can open one and what happens if you are refused](https://centiview.com/uk-money/basic-bank-accounts-who-can-open-one-and-what-if-refused): A basic bank account is a simple, fee-free account with no overdraft that nine large UK providers must offer to eligible people. This guide explains… - [Personal Independence Payment (PIP): who can claim, the rates and how to apply](https://centiview.com/uk-money/personal-independence-payment-pip-how-it-works): Personal Independence Payment helps with extra costs caused by a long-term health condition or disability. This guide explains who can claim, the… - [Gaps in your National Insurance record: how voluntary contributions work](https://centiview.com/uk-money/voluntary-national-insurance-gaps-state-pension): Gaps in your National Insurance record can mean some years do not count towards the State Pension. This guide explains how to check for gaps, what… - [Bereavement Support Payment: who can claim, what it pays and the deadlines](https://centiview.com/uk-money/bereavement-support-payment-who-can-claim): Bereavement Support Payment is a tax-free benefit for some people whose husband, wife, civil partner or partner has died. This guide explains who can… - [Section 75 and chargeback: getting money back when you paid by card](https://centiview.com/uk-money/section-75-and-chargeback-paying-by-card): If something you paid for by card never arrives, is faulty or was not as described, two routes may help: Section 75 for credit cards and chargeback… - [Buy Now Pay Later: the FCA rules in force since 15 July 2026](https://centiview.com/uk-money/buy-now-pay-later-rules-uk-2026): Buy now pay later is now regulated by the Financial Conduct Authority. This guide explains which agreements are covered, what lenders must do, which… - [Priority Services Register: extra help from energy companies](https://centiview.com/uk-money/priority-services-register-extra-energy-help): The Priority Services Register is a list kept by energy suppliers and network operators of people who may need extra support. This guide explains who… - [Rent increases in England: the section 13 notice and challenging one](https://centiview.com/uk-money/rent-increases-england-renters-rights-act): Since the Renters' Rights Act changes, a landlord in England can raise rent only once a year, using a formal notice. This guide explains the notice… - [Taking money from a pension: the tax-free lump sum and your options](https://centiview.com/uk-money/taking-money-from-a-pension-tax-free-lump-sum-and-options): Many people can take up to a quarter of a pension pot tax free. This guide explains the £268,275 limit, the main ways to take a pension, how the rest… - [Tax-Free Childcare: how the £2 top-up works and who can use it](https://centiview.com/uk-money/tax-free-childcare-how-it-works): Tax-Free Childcare adds £2 from the government for every £8 a parent pays in towards approved childcare. This guide explains the limits, who can… - [Dividend tax in 2026/27: the £500 allowance, the rates and how to report](https://centiview.com/uk-money/dividend-tax-2026-27-allowance-rates-and-reporting): Dividends from shares can be taxable outside an ISA or pension. This guide explains the £500 dividend allowance, the 2026/27 rates of 10.75%, 35.75%… - [Student loan repayments: the plans, thresholds and when loans are written off](https://centiview.com/uk-money/student-loan-repayment-plans-thresholds-write-off): Student loan repayments depend on your repayment plan and your income, not on how much you borrowed. This guide explains the plans, the current… - [National Insurance for employees in 2026/27: rates, bands and what it counts towards](https://centiview.com/uk-money/national-insurance-employee-rates-2026-27): National Insurance is a payment taken from most workers' pay. This guide explains the 2026/27 weekly and monthly bands for employees, what the… - [Cold Weather Payment 2026/27: who can get £25 and when it is paid](https://centiview.com/uk-money/cold-weather-payment-2026-27): Cold Weather Payment is an automatic £25 for people on certain benefits when their area has a very cold spell. This guide explains who usually… - [Current Account Switch Service: how switching bank accounts works](https://centiview.com/uk-money/current-account-switch-service-how-switching-works): The Current Account Switch Service moves your payments and balance from one current account to another in seven working days. This guide explains the… - [Mortgage early repayment charges and overpayments: how the rules work](https://centiview.com/uk-money/mortgage-early-repayment-charges-and-overpayments): Paying off some or all of a mortgage early can trigger an early repayment charge. This guide explains what the FCA rules say about these charges… - [Statutory Maternity Pay and Maternity Allowance in 2026/27](https://centiview.com/uk-money/statutory-maternity-pay-and-maternity-allowance-2026-27): This guide explains the two main UK maternity payments, Statutory Maternity Pay and Maternity Allowance: who can get each, the 2026/27 weekly rates… - [Marriage Allowance in 2026/27: how it works and who can use it](https://centiview.com/uk-money/marriage-allowance-2026-27-how-it-works): Marriage Allowance lets some married couples and civil partners move part of one person's unused Personal Allowance to the other. This guide explains… - [Statutory Sick Pay in 2026/27: who gets it, how much and from when](https://centiview.com/uk-money/statutory-sick-pay-2026-27-who-gets-it-and-how-much): Statutory Sick Pay is the minimum sick pay an employer must give eligible employees. This guide explains the 2026/27 weekly rate, the April 2026… - [Carer's Allowance in 2026/27: who can claim and how it works](https://centiview.com/uk-money/carers-allowance-2026-27-who-can-claim-86-45): Carer's Allowance is a weekly payment for people who look after someone with a disability or illness for at least 35 hours a week. This guide… - [Council Tax discounts and reductions: what exists and how to claim](https://centiview.com/uk-money/council-tax-discounts-and-reductions-explained): Council Tax bills can be lower if you live alone, if some people in the home are not counted, or if your income is low. This guide explains the main… - [Debt Relief Orders: how they work in England and Wales](https://centiview.com/uk-money/debt-relief-orders-england-wales-how-they-work): A Debt Relief Order, or DRO, is a way to deal with unaffordable debts for people on very low incomes with few assets. This guide explains who can get… - [Attendance Allowance in 2026/27: who can claim and the weekly rates](https://centiview.com/uk-money/attendance-allowance-2026-27-who-can-claim-and-rates): Attendance Allowance is a weekly benefit for people over State Pension age who need help with personal care because of illness or disability. This… - [Winter Fuel Payment 2026/27: who gets it, how much and the £35,000 rule](https://centiview.com/uk-money/winter-fuel-payment-2026-27): The Winter Fuel Payment is a yearly sum to help with heating bills. This guide explains who qualifies for winter 2026 to 2027, the amounts, how it is… - [Pension tax relief in 2026/27: how it works and what the limits are](https://centiview.com/uk-money/pension-tax-relief-2026-27): Money paid into a private pension usually gets tax relief. This guide explains the two main ways relief is given, the limits that apply in 2026/27… - [Income Tax rates and bands in 2026/27: England, Wales, Northern Ireland and Scotland](https://centiview.com/uk-money/income-tax-rates-and-bands-2026-27-uk): Income Tax is charged in slices, called bands, each with its own rate. This guide sets out the 2026/27 Personal Allowance and bands, explains how the… - [Self Assessment deadlines for the 2025/26 tax return and what late penalties apply](https://centiview.com/uk-money/self-assessment-deadlines-2025-26-tax-return): Self Assessment tax returns for the 2025/26 tax year have fixed dates for filing and paying. This guide explains who has to send a return, the key… - [Home and motor insurance renewals: the FCA rule on loyalty pricing](https://centiview.com/uk-money/home-and-motor-insurance-renewal-prices-fca-rules): Since 1 January 2022, insurers have had to follow a Financial Conduct Authority rule that limits renewal prices for home and motor insurance. This… - [Lifetime ISA: the 25% bonus, the £4,000 limit and the withdrawal charge](https://centiview.com/uk-money/lifetime-isa-bonus-limits-and-withdrawal-charge): A Lifetime ISA adds a government bonus to savings meant for a first home or later life. This guide explains the limits, the bonus, when money can… - [FSCS investment protection: what the £85,000 limit covers and what it does not](https://centiview.com/uk-money/fscs-investment-protection-85000-limit): The Financial Services Compensation Scheme can pay compensation if an authorised investment firm fails. This guide explains the £85,000 limit, what… - [Struggling with mortgage payments: what lenders must do and where to get help](https://centiview.com/uk-money/struggling-with-mortgage-payments-what-lenders-must-do): If mortgage payments become hard to meet, UK lenders have rules to follow. This guide explains the FCA rules on fair treatment, the options a lender… - [Tenancy deposits in England: protection, the 30 day rule and getting your money back](https://centiview.com/uk-money/tenancy-deposits-england-protection-30-days-getting-money-back): A deposit paid to a private landlord must be kept in a government-approved scheme. This guide explains how the caps, the 30 day deadline, deductions… - [Inheritance Tax basics: the £325,000 threshold, gifts and the 7 year rule](https://centiview.com/uk-money/inheritance-tax-basics-thresholds-gifts-7-year-rule): Most estates in the UK do not pay Inheritance Tax. This guide explains the main threshold, the higher threshold for a home passed to children, how… - [Credit reports: how to get your free copy and fix mistakes](https://centiview.com/uk-money/credit-report-check-and-correct-errors): A credit report is the file that credit reference agencies hold about your borrowing. This guide explains what it contains, how to see it for free… - [Bank transfer scams: how refunds work under the £85,000 rules](https://centiview.com/uk-money/bank-transfer-scam-refunds-how-the-85000-rules-work): If you are tricked into sending money to a fraudster by bank transfer, rules in force since October 2024 can require your bank to refund you. This… - [Universal Credit: who can claim, what it pays and how it is paid](https://centiview.com/uk-money/universal-credit-who-can-claim-and-how-payments-work): Universal Credit is a monthly payment for people on a low income or out of work. This guide explains who can claim, the standard rates on GOV.UK, how… - [Workplace pension automatic enrolment in 2026/27: who is enrolled and what is paid in](https://centiview.com/uk-money/workplace-pension-automatic-enrolment-2026-27): Many employees are put into a workplace pension automatically. This guide explains the age and earnings tests for 2026/27, the minimum contributions… - [Warm Home Discount 2026/27: who qualifies and how the £150 works](https://centiview.com/uk-money/warm-home-discount-2026-27-who-qualifies-and-how-it-works): The Warm Home Discount is a one-off £150 reduction on an electricity bill for eligible households. This guide explains the winter 2026 to 2027 rules… - [Child Benefit in 2026/27: weekly rates and the High Income charge](https://centiview.com/uk-money/child-benefit-rates-and-high-income-charge-2026-27): Child Benefit pays a weekly amount for each child you bring up. This guide sets out the 2026/27 rates, who can claim, how backdating works, and how… - [How to check your tax code and what the letters mean in 2026/27](https://centiview.com/uk-money/how-to-check-your-tax-code-and-what-the-letters-mean): Your tax code tells your employer or pension provider how much Income Tax to take from your pay. This guide explains where to find your code, how to… - [NS&I British Savings Bonds: new fixed rates from 6 October 2026](https://centiview.com/uk-money/nsi-british-savings-bonds-new-rates-october-2026): NS&I raised the rates on its new one-, two-, three- and five-year British Savings Bonds on 6 October 2026. The highest advertised AER is now 5.17% on… - [Help to Save: who qualifies and how the 50% bonus works](https://centiview.com/uk-money/help-to-save-who-qualifies-and-how-the-50-percent-bonus-works): Help to Save is a government-backed savings account for eligible people on Universal Credit. You can save a little at a time and receive tax-free… - [Cash ISA limit from April 2027: what changes and what stays](https://centiview.com/uk-money/cash-isa-limit-2027-what-changes-and-what-stays): The cash ISA limit is due to change from 6 April 2027 for people under 65. Here is how the announced change fits with the overall ISA allowance, and… - [Complaining about an insurer: the 8 week and 6 month rules explained](https://centiview.com/uk-money/complain-about-insurance-company-ombudsman): This guide explains how a complaint about an insurance company works in the UK: who to contact first, how long the firm has to reply, and when the… - [Capital Gains Tax on shares in 2026/27: the allowance, rates and what is exempt](https://centiview.com/uk-money/capital-gains-tax-on-shares-2026-27): Capital Gains Tax is charged on the profit when you sell shares or other assets outside an ISA. This guide explains the 2026/27 allowance, the two… - [Stamp Duty Land Tax in England and Northern Ireland: rates and first-time buyer relief](https://centiview.com/uk-money/stamp-duty-land-tax-england-ni-rates-first-time-buyers): Stamp Duty Land Tax is paid when you buy a home in England or Northern Ireland. This guide explains the rate bands, how first-time buyer relief… - [The ISA allowance in 2026/27: four types of ISA, one £20,000 limit](https://centiview.com/uk-money/isa-allowance-2026-27-four-types-one-limit): An explanation of how the yearly ISA allowance works in the 2026/27 tax year, the four types of ISA, who can open one, how the Lifetime ISA fits in… - [Tell Us Once: how to report a death to government departments in one go](https://centiview.com/uk-money/tell-us-once-how-to-report-a-death-to-government): Tell Us Once is a free GOV.UK service that lets one person report a death to several government bodies at the same time. This guide explains who can… - [How Premium Bonds work: prizes, limits and the September 2026 rate change](https://centiview.com/uk-money/premium-bonds-how-they-work): Premium Bonds are a government-backed NS&I savings product that pays tax-free prizes instead of interest. This guide explains the limits, the current… - [Breathing Space: how the debt respite scheme works in England and Wales](https://centiview.com/uk-money/breathing-space-debt-respite-scheme-how-it-works): Breathing Space is a government scheme that gives temporary protection from creditors while someone gets debt advice and makes a plan. This guide… - [The Renters' Rights Act in England: what changed for private tenants on 1 May 2026](https://centiview.com/uk-money/renters-rights-act-england-what-changed-from-1-may-2026): The Renters' Rights Act changed how private renting works in England from 1 May 2026. This guide explains the end of no-fault evictions, rolling… - [Pension Credit: what it is, how much it pays and who can claim](https://centiview.com/uk-money/pension-credit-2026-27-what-it-is-and-who-can-claim): Pension Credit tops up the weekly income of people over State Pension age who are on a low income. This guide explains the two parts, the weekly… - [The Ofgem energy price cap from 1 October to 31 December 2026](https://centiview.com/uk-money/energy-price-cap-october-december-2026-explained): The Ofgem price cap sets the most a supplier can charge per unit of energy and for the daily standing charge. This guide explains what the cap is… - [The new State Pension in 2026/27: how much you could get and when](https://centiview.com/uk-money/new-state-pension-2026-27-how-much-and-when): The full new State Pension is £241.30 a week from April 2026. Many people get less than the full amount, because it depends on your National… - [FSCS protection for bank and building society savings: how the £120,000 limit works](https://centiview.com/uk-money/fscs-deposit-protection-limit-explained): The Financial Services Compensation Scheme protects money held in authorised UK banks, building societies and credit unions if one fails. This guide… - [Tax on savings interest: the three allowances in 2026/27](https://centiview.com/uk-money/tax-on-savings-interest-allowances-2026-27): Most people can earn some savings interest without paying tax. This guide explains the Personal Allowance, the starting rate for savings and the… ## Latest takes - [Pacira BioSciences (PCRX): Viatris to buy it for $1.65B in cash](https://centiview.com/post/pacira-biosciences-pcra-viatris-to-buy-pacira-for-1-65b-in-cash): Viatris agreed to buy Pacira for $36.50 a share in cash, about $1.65B, a ~44.8% premium to its last close. Pacira's non-opioid pain drugs Exparel and… - [UnitedHealth (UNH): Q3 beat and higher 2026 profit outlook](https://centiview.com/post/unitedhealth-unh-q3-beat-and-higher-2026-profit-outlook): UnitedHealth posted Q3 adjusted EPS of $4.69 vs $2.92 a year ago on $112.7B revenue, and lifted its 2026 adjusted EPS outlook to at least $20.50. The… - [FormFactor (FORM): Teradyne to invest $300M and team up on chip test](https://centiview.com/post/formfactor-form-teradyne-to-invest-300m-and-team-up-on-chip-test): Teradyne agreed to invest $300M in FormFactor for 2,234,887 new shares, a minority stake, alongside a test collaboration covering HPC, advanced… - [Citigroup (C): Q3 profit jumps 40% to $5.2B as revenue rises 8%](https://centiview.com/post/citigroup-c-q3-profit-jumps-40-to-5-2b-as-revenue-rises-8): Citigroup earned $5.2B, or $2.85 a share, in Q3, up from $1.86 a year ago, on revenue of $23.8B (+8%). Services revenue rose 15% and Wealth 15%… - [Johnson & Johnson (JNJ): Raises 2026 EPS outlook as Q3 sales rise 5.9%](https://centiview.com/post/johnson-johnson-jnj-raises-2026-eps-outlook-as-q3-sales-rise-5-9): J&J raised its 2026 adjusted EPS outlook to $11.05-$11.15 as Q3 sales rose 5.9% to $25.4B, led by Innovative Medicine (+7.7%). Adjusted EPS of $2.59… - [Goldman Sachs (GS): Q3 EPS jumps 39% to $17.01 as revenue climbs 23%](https://centiview.com/post/goldman-sachs-gs-q3-eps-jumps-39-to-17-01-as-revenue-climbs-23): Goldman Sachs earned $17.01 a share in Q3, up from $12.25 a year ago, on net revenue of $18.68B, up 23%. Global Banking & Markets revenue rose 32%… - [Wells Fargo (WFC): Q3 EPS rises 13% to $1.87 but revenue lands below estimates](https://centiview.com/post/wells-fargo-wfc-q3-eps-rises-13-to-1-87-but-revenue-lands-below-estimates): Wells Fargo earned $5.95B, or $1.87 a share, in Q3, up from $1.66 a year ago. It bought back $2.5B of stock and ROTCE rose to 16.3%. Loans and… - [JPMorgan Chase (JPM): Q3 profit rises to $15.3B but lands short of estimates](https://centiview.com/post/jpmorgan-chase-jpm-q3-profit-rises-to-15-3b-but-lands-short-of-estimates): JPMorgan earned $15.3B, or $5.57 a share, in Q3, up from $5.07 a year ago. Trading revenue rose 15% and investment banking fees 14%. Reports say EPS… - [Amazon (AMZN): Reportedly in talks to buy AI software startup Decart for about $7B](https://centiview.com/post/amazon-amzn-reportedly-in-talks-to-buy-ai-software-startup-decart-for-about-7b): WSJ reports Amazon is in talks to buy Decart, an AI software startup, for around $7B, versus a ~$4B valuation in May. Decart's tools help AI run… - [Apple (AAPL): Reportedly trims iPhone 18 Pro component orders by 15%+](https://centiview.com/post/apple-aapl-reportedly-trims-iphone-18-pro-component-orders-by-15): Nikkei Asia reports Apple cut October component orders for the iPhone 18 Pro and Pro Max by at least 15%, citing higher memory costs and a $100 price… - [Option Care Health (OPCH): Agrees $5.8B take-private by CD&R and McKesson](https://centiview.com/post/option-care-health-opch-agrees-5-8b-take-private-by-cd-r-and-mckesson): Option Care Health agreed to be taken private by CD&R (about 51%) and McKesson (about 49%) at $32.05 a share, a ~37% premium and ~$5.8B enterprise… - [Omron (6645.T): Agrees to buy OnLogic parent Interlogic for $675M in physical AI push](https://centiview.com/post/omron-6645-t-agrees-to-buy-onlogic-parent-interlogic-for-675m-in-physical-ai-push): Omron agreed to buy Interlogic, parent of US industrial PC maker OnLogic, for $675M in cash, with closing expected around Jan 2027. It pairs… - [eBay (EBAY): Morgan Stanley names it Top Pick on live commerce growth](https://centiview.com/post/ebay-ebay-morgan-stanley-names-it-top-pick-on-live-commerce-growth): Morgan Stanley named eBay its Top Pick on Oct 12, keeping Overweight and lifting its target to $132 from $127. It estimates live commerce drove over… - [Tesla (TSLA): Germany backs EU-wide FSD approval, but the vote slips to December](https://centiview.com/post/tesla-tsla-germany-backs-eu-wide-fsd-approval-but-the-vote-slips-to-december): Germany's transport minister says Berlin will push for EU-wide approval of Tesla's FSD, and Tesla has offered to rename it "Tesla Assisted Driving."… - [Salesforce (CRM): BofA double upgrade to Buy argues AI deepens software lock-in](https://centiview.com/post/salesforce-crm-bofa-double-upgrade-to-buy-argues-ai-deepens-software-lock-in): BofA upgraded Salesforce two notches to Buy from Underperform on Oct 12 and lifted its target to $285 from $160. Its case: AI agents deepen lock-in… - [Micron (MU): Falls about 4% as China's CXMT targets denser DRAM for servers](https://centiview.com/post/micron-mu-falls-about-4-as-chinas-cxmt-targets-denser-dram-for-servers): Micron fell about 4% on Oct 12 after China's CXMT said it made progress on a denser 4F² DRAM cell and plans a server product before end-2026. SK… - [Alimentation Couche-Tard (ATD.TO): Agrees to buy Irving Oil's Quebec and Ontario fuel retail sites](https://centiview.com/post/alimentation-couche-tard-atd-to-agrees-to-buy-irving-oils-quebec-and-ontario-fuel-retail-sites): Couche-Tard agreed to buy 52 Irving Oil retail sites (50 in Quebec, 2 in eastern Ontario) plus 18 commercial cardlock sites. It already runs the… - [STERIS (STE): Agrees to buy surgical products maker Xodus Medical for $2.1 billion](https://centiview.com/post/steris-ste-agrees-to-buy-surgical-products-maker-xodus-medical-for-2-1-billion): STERIS agreed to buy surgical products maker Xodus Medical for $2.1B at closing, about $1.8B net of an expected $300M tax benefit, plus up to $150M… - [GE HealthCare (GEHC): Agrees to buy radiopharmaceutical maker SOFIE Biosciences for $945 million](https://centiview.com/post/ge-healthcare-gehc-agrees-to-buy-radiopharmaceutical-maker-sofie-biosciences-for-945-million): GE HealthCare agreed to buy SOFIE Biosciences from Trilantic for $945M in cash, adding 15 US sites and 21 cyclotrons that make PET imaging agents. It… - [Viatris (VTRS): Agrees to buy Pacira BioSciences for $1.65 billion in cash](https://centiview.com/post/viatris-vtrs-agrees-to-buy-pacira-biosciences-for-1-65-billion-in-cash): Viatris agreed to buy Pacira for $36.50 a share in cash, about $1.65B, adding non-opioid pain drugs Exparel and Zilretta. Pacira jumped roughly 44%… - [Bristol Myers Squibb (BMY): Pulmonary fibrosis drug admilparant hits Phase 3 goal at 60 mg](https://centiview.com/post/bristol-myers-squibb-bmy-pulmonary-fibrosis-drug-admilparant-hits-phase-3-goal-at-60-mg): Bristol Myers said admilparant met the primary goal in its Phase 3 ALOFT-IPF trial at 60 mg, but the 120 mg dose slowed lung decline without a… - [Meta Platforms (META): Launches Muse Wonder, its first frontier AI model](https://centiview.com/post/meta-platforms-meta-launches-muse-wonder-its-first-frontier-model): Meta launched Muse Wonder and Muse Wonder Full, saying they match top rivals on its own tests. The API is priced at $4 per million input and $20 per… - [Chipotle (CMG): Falls after Starbucks says it is not buying it](https://centiview.com/post/chipotle-cmg-falls-after-starbucks-says-it-is-not-buying-it): Starbucks said it is not buying Chipotle, after an FT report last week said it was weighing a takeover. Chipotle fell over 4% as the deal premium… - [IREN (IREN): Shares jump on report of multiyear Anthropic cloud deal](https://centiview.com/post/iren-iren-shares-jump-on-report-of-multiyear-anthropic-cloud-deal): The Information reports IREN signed a multiyear AI cloud deal with Anthropic. Neither company has confirmed it, and no price or capacity was given… - [CCC Intelligent Solutions (CCC): GTCR and Elliott reported in advanced talks to buy the company](https://centiview.com/post/ccc-intelligent-solutions-ccc-gtcr-and-elliott-reported-in-advanced-talks-to-buy-the-company): Bloomberg reports GTCR and Elliott are in advanced talks to acquire CCC, the claims software provider for auto insurers and repairers. A deal could… - [HCLTech (HCLTECH.NS): Q2 profit up about 21% as bookings hit $3.26B and AI revenue grows 78%](https://centiview.com/post/hcltech-hcltech-ns-q2-profit-up-about-21-as-bookings-hit-3-26b-and-ai-revenue-grows-78): HCLTech's Q2 profit rose about 21% to roughly Rs 5,130 crore. New bookings were $3.26B, EBIT margin 18.2%, and advanced AI revenue grew 78% year on… - [Telstra (TLS): Falls 2.5% as the SpaceX spectrum deal reaches Australian telcos](https://centiview.com/post/telstra-tls-falls-2-5-as-spacex-spectrum-deal-reaches-australian-telcos): Telstra closed down 2.5% at a six-week low on Monday, and TPG Telecom fell almost 5%, as the US telecom sell-off over SpaceX's low-band spectrum… - [IonQ (IONQ): To buy Elisity in all-stock deal worth up to $1.3B](https://centiview.com/post/ionq-ionq-to-buy-elisity-in-all-stock-deal-worth-up-to-1-3b): IonQ agreed to buy zero-trust security firm Elisity in an all-stock deal valued at up to $1.3B, including up to $150M of earnout. Close is expected… - [TSMC (TSM): September revenue rises 54.6% year on year to NT$511.86B](https://centiview.com/post/tsmc-tsm-september-revenue-rises-54-6-year-on-year-to-nt-511-86b): TSMC reported September revenue of NT$511.86B, up 54.6% from a year earlier but down 0.6% from August. Nine-month revenue reached NT$3,898.73B, up… - [Samsung Electronics (005930.KS): Q3 operating profit jumps 782% to 107.4T won on memory chips](https://centiview.com/post/samsung-electronics-005930-ks-q3-operating-profit-jumps-782-to-107-4t-won): Samsung's Oct 8 preliminary Q3 showed operating profit of 107.4T won (+782.5% YoY), above the 106.6T consensus, on sales of 195T won (+126.6%), below… - [Volkswagen (VOW3): Q3 deliveries fall 14.3% as China sales drop 38.5%](https://centiview.com/post/volkswagen-vow3-q3-deliveries-fall-14-3-as-china-sales-drop-38-5): Volkswagen Group delivered 1.885m vehicles in Q3, down 14.3% year on year, its steepest quarterly fall since Q2 2022. China sank 38.5% to 405,800… - [AT&T (T): Falls about 10% as SpaceX buys low-band spectrum to become a mobile carrier](https://centiview.com/post/att-t-falls-about-10-as-spacex-buys-low-band-spectrum): AT&T fell about 9.8% on Oct 9 after SpaceX agreed to buy Grain Management's nationwide 800 MHz spectrum, reported at ~$8B, to become a major US… - [Marvell (MRVL): Lays out path to $70-90B revenue by fiscal 2031](https://centiview.com/post/marvell-mrvl-sets-70-90b-fiscal-2031-revenue-path): Marvell's Oct 6 investor day set a fiscal 2031 revenue path of $70-90B and lifted its fiscal 2028 goal to about $20B from $18B. Shares jumped sharply… - [Humana (HUM): Shares jump as 2027 star ratings improve sharply](https://centiview.com/post/humana-hum-shares-jump-as-2027-star-ratings-improve-sharply): Humana rose about 15% on Oct 9 after CMS's 2027 Medicare Advantage star ratings. Humana says about 95% of members are in plans rated 4 stars or… - [Palantir (PLTR): Goldman Sachs upgrades to Buy on sovereign AI demand](https://centiview.com/post/palantir-pltr-goldman-sachs-upgrades-to-buy-on-sovereign-ai-demand): Goldman Sachs upgraded Palantir to Buy from Neutral on Oct 8, citing sovereign AI demand, custom applications and an industry-focused strategy… - [Shell (SHEL): Lifts Q3 gas output outlook after ARC deal](https://centiview.com/post/shell-shel-lifts-q3-gas-output-outlook-after-arc-deal): Shell raised its Q3 integrated gas output guidance to 740-780 kboe/d from 570-630, with the closed ARC Resources deal feeding in. It also flagged a… - [HDFC Bank (HDB): RBI clears Anup Bagchi as next CEO from Oct 27](https://centiview.com/post/hdfc-bank-hdb-rbi-clears-anup-bagchi-as-next-ceo-from-oct-27): RBI has approved Anup Bagchi, now CEO of ICICI Prudential Life, as HDFC Bank's next MD & CEO for three years from Oct 27, replacing Sashidhar… - [Haemonetics (HAE): CSL plans full US NexSys rollout by end of 2027](https://centiview.com/post/haemonetics-hae-csl-plans-full-us-nexsys-rollout-by-end-of-2027): CSL now expects to move all its current US plasma centers to Haemonetics' NexSys devices by end-2027, up from "a portion" with no timeline in August… - [Johnson Electric (0179.HK): Shares slump after first-half profit warning](https://centiview.com/post/johnson-electric-0179-hk-shares-slump-after-first-half-profit-warning): Johnson Electric warned first-half profit will fall 56-62% to $50m-$58m, and shares dropped about 17% in Hong Kong. Last year's FX gains of roughly… - [Tesco (TSCO): Lifts profit guidance floor and raises buyback to £950m](https://centiview.com/post/tesco-tsco-lifts-profit-guidance-floor-and-raises-buyback-to-950m): Tesco raised the bottom of its full-year profit guide to £3.15bn-£3.3bn and lifted its buyback to £950m from £750m. First-half adjusted operating… - [Vaxcyte (PCVX): Prices about $1B stock and convertible raise to fund VAX-31](https://centiview.com/post/vaxcyte-pcvx-prices-about-1b-stock-and-convertible-raise-to-fund-vax-31): Vaxcyte priced about $1B of funding: 7.4M shares at $64 plus pre-funded warrants, and $500M of 1.5% convertible notes due 2032. Proceeds back VAX-31… - [Deutsche Telekom (DTE): Shares drop as SpaceX buys US low-band spectrum](https://centiview.com/post/deutsche-telekom-dte-shares-drop-on-spacex-spectrum-deal): Deutsche Telekom fell roughly 7-8% in Frankfurt on Oct 9, the worst performer on the DAX, after SpaceX agreed to buy low-band US spectrum from Grain… - [AST SpaceMobile (ASTS): Shares slide as SpaceX buys Grain's low-band spectrum](https://centiview.com/post/ast-spacemobile-asts-shares-slide-as-spacex-buys-grains-low-band-spectrum): AST SpaceMobile fell about 13% on Oct 9 after Grain Management agreed to sell its 800 MHz spectrum to SpaceX, pending FCC approval. The WSJ puts the… - [Zscaler (ZS): Analysts lift targets after Investor Day sets an $8B ARR goal for FY2031](https://centiview.com/post/zscaler-zs-analysts-lift-targets-after-investor-day-sets-an-8b-arr-goal-for-fy2031): Zscaler used its Oct 7 Investor Day to set a fiscal 2031 ARR target of $8B and reaffirm near-term guidance. JPMorgan, Wells Fargo, Cantor and Baird… - [Pfizer (PFE): FDA approves Tukysa regimen as first-line maintenance for HER2+ breast cancer](https://centiview.com/post/pfizer-pfe-fda-approves-tukysa-regimen-as-first-line-maintenance-for-her2-breast-cancer): The FDA approved Pfizer's Tukysa with trastuzumab and pertuzumab as first-line maintenance for HER2-positive metastatic breast cancer. In the… - [Fastly (FSLY): Oppenheimer upgrades to Outperform on contract growth and agentic AI traffic](https://centiview.com/post/fastly-fsly-oppenheimer-upgrades-to-outperform-on-contract-growth-and-agentic-ai-traffic): Oppenheimer upgraded Fastly to Outperform from Perform with a $35 target, citing larger contracts, rising security attach and early agentic-AI… - [SpaceX (SPCX): Agrees to buy Grain's 800 MHz spectrum for Starlink Mobile](https://centiview.com/post/spacex-spcx-agrees-to-buy-grains-800-mhz-spectrum-for-starlink-mobile): SpaceX agreed to buy Grain Management's nationwide 800 MHz spectrum (up to 14 MHz paired), a low-band layer for Starlink Mobile's indoor and rural… - [Cenovus Energy (CVE): Agrees to buy Athabasca Oil for C$5.7B in cash and stock](https://centiview.com/post/cenovus-energy-cve-agrees-to-buy-athabasca-oil-for-c-5-7b-in-cash-and-stock): Cenovus agreed to buy Athabasca Oil at an implied C$5.7B enterprise value: C$12 cash or 0.264 Cenovus shares per share, cash capped at 75%. It adds… - [HP Inc (HPQ): PC shipments fell 30.9% in Q3, the steepest drop among top vendors](https://centiview.com/post/hp-inc-hpq-pc-shipments-fell-30-9-in-q3-the-steepest-drop-among-top-vendors): IDC says global PC shipments fell 20.1% in Q3 to 62.7M units. HP fell hardest of the big vendors: down 30.9% to 10.3M, versus Dell -25% and Lenovo… - [C.H. Robinson (CHRW): Agrees to buy RXO in a $5.8B cash-and-stock deal](https://centiview.com/post/ch-robinson-chrw-agrees-to-buy-rxo-in-a-5-8b-cash-and-stock-deal): C.H. Robinson agreed to buy RXO for about $5.8B: $17.25 cash plus 0.0856 CHRW shares per RXO share, or $30.25 implied, a 29% premium to RXO's Oct 2… - [BT Group (BT.A): Buys TalkTalk out of administration with a c.£400m FY27 cash hit](https://centiview.com/post/bt-group-bt-a-buys-talktalk-out-of-administration-with-a-c-400m-fy27-cash-hit): BT bought TalkTalk's consumer broadband and wholesale (PXC) businesses out of administration, covering about 2.5M customers. It put the FY27 cash… - [Pacira BioSciences (PCRX): Viatris to buy it for $1.65B in cash at $36.50 a share](https://centiview.com/post/pacira-biosciences-pcrx-viatris-to-buy-it-for-1-65b-in-cash-at-36-50-a-share): Viatris agreed to buy Pacira for $36.50 a share in cash, about $1.65B, a 44.8% premium to its last close. The deal adds non-opioid pain drugs Exparel… - [Wolfspeed (WOLF): Conditional $1.5B Pentagon loan comes with warrants for up to 7.5% of the company](https://centiview.com/post/wolfspeed-wolf-conditional-1-5b-pentagon-loan-comes-with-warrants-for-up-to-7-5): Wolfspeed won a conditional commitment for up to $1.5B of 30-year financing from the US Department of War, with warrants for up to 7.5% of its fully… - [Deere (DE): Falls about 5% as FTC and USDA open a farm equipment inquiry](https://centiview.com/post/deere-de-falls-5-as-ftc-and-usda-open-farm-equipment-inquiry): The FTC and USDA opened a joint inquiry into farm equipment makers and dealers, and Deere fell about 5% on Oct 7, with CNH and AGCO down similarly… - [T-Mobile (TMUS): Falls 13% as the spectrum it sold in August heads to SpaceX](https://centiview.com/post/t-mobile-tmus-falls-13-as-spectrum-it-sold-in-august-goes-to-spacex): T-Mobile fell 13.3% on Friday, its worst day since 2011, after SpaceX agreed to buy Grain Management's 800 MHz spectrum. T-Mobile sold that spectrum… - [Apple (AAPL): Shares dip on report of 15%+ cut to iPhone 18 Pro component orders](https://centiview.com/post/apple-aapl-shares-dip-on-report-of-15-cut-to-iphone-18-pro-component-orders): Nikkei Asia reports Apple told suppliers to cut October iPhone 18 Pro component orders by at least 15%, citing memory costs and $100 price rises… - [Oracle (ORCL): Shares slip as OpenAI tells investors run rate is about $50B](https://centiview.com/post/oracle-orcl-shares-slip-as-openai-tells-investors-run-rate-is-about-50b): OpenAI told investors its annualized revenue was about $50B at end-September, below the roughly $68-70B figure that had circulated. Oracle fell about… - [Webull (BULL): House panel flags China ties, shares fall about 19%](https://centiview.com/post/webull-bull-house-panel-flags-china-ties-shares-fall-about-19): A House committee report says Webull's ownership, technology and data routing are tied to China, despite its "American company" pitch. Shares closed… - [Crown Castle (CCI): Tower stocks jump as SpaceX agrees $8B spectrum purchase](https://centiview.com/post/crown-castle-cci-tower-stocks-jump-as-spacex-agrees-8b-spectrum-purchase): SpaceX agreed to buy Grain Management's 800 MHz spectrum for about $8B in cash (WSJ-reported figure), and tower stocks jumped: Crown Castle rose… - [Alignment Healthcare (ALHC): Largest contract drops below the 4-star Medicare bonus line](https://centiview.com/post/alignment-healthcare-alhc-largest-contract-loses-4-star-medicare-rating): Alignment's main California Medicare Advantage contract fell to 3.5 stars from 4.0 in CMS's 2027 ratings, putting its 2028 quality bonus at risk… ## Companies - [Apple (AAPL)](https://centiview.com/company/apple-aapl): 2 takes - [Bristol Myers Squibb (BMY)](https://centiview.com/company/bristol-myers-squibb-bmy): 2 takes - [Chipotle (CMG)](https://centiview.com/company/chipotle-cmg): 2 takes - [Humana (HUM)](https://centiview.com/company/humana-hum): 2 takes - [Intel (INTC)](https://centiview.com/company/intel-intc): 2 takes - [Marvell (MRVL)](https://centiview.com/company/marvell-mrvl): 2 takes - [Option Care Health (OPCH)](https://centiview.com/company/option-care-health-opch): 2 takes - [Pacira BioSciences (PCRX)](https://centiview.com/company/pacira-biosciences-pcrx): 2 takes - [Tesco (TSCO)](https://centiview.com/company/tesco-tsco): 2 takes - [Vaxcyte (PCVX)](https://centiview.com/company/vaxcyte-pcvx): 2 takes - [Wells Fargo (WFC)](https://centiview.com/company/wells-fargo-wfc): 2 takes - [$ATD](https://centiview.com/company/atd): 1 take - [$BT](https://centiview.com/company/bt): 1 take - [Advanced Micro Devices (AMD)](https://centiview.com/company/advanced-micro-devices-amd): 1 take - [Alignment Healthcare (ALHC)](https://centiview.com/company/alignment-healthcare-alhc): 1 take - [Amazon (AMZN)](https://centiview.com/company/amazon-amzn): 1 take - [AST SpaceMobile (ASTS)](https://centiview.com/company/ast-spacemobile-asts): 1 take - [AT&T (T)](https://centiview.com/company/atandt-t): 1 take - [Avon Technologies (AVON)](https://centiview.com/company/avon-technologies-avon): 1 take - [C.H. Robinson (CHRW)](https://centiview.com/company/c-h-robinson-chrw): 1 take - [CCC Intelligent Solutions (CCC)](https://centiview.com/company/ccc-intelligent-solutions-ccc): 1 take - [Cenovus Energy (CVE)](https://centiview.com/company/cenovus-energy-cve): 1 take - [Citigroup (C)](https://centiview.com/company/citigroup-c): 1 take - [Constellation Brands (STZ)](https://centiview.com/company/constellation-brands-stz): 1 take - [Crown Castle (CCI)](https://centiview.com/company/crown-castle-cci): 1 take - [Deere (DE)](https://centiview.com/company/deere-de): 1 take - [Delta Air Lines (DAL)](https://centiview.com/company/delta-air-lines-dal): 1 take - [Deutsche Telekom (DTE)](https://centiview.com/company/deutsche-telekom-dte): 1 take - [eBay (EBAY)](https://centiview.com/company/ebay-ebay): 1 take - [Energy Transfer (ET)](https://centiview.com/company/energy-transfer-et): 1 take - [Fastly (FSLY)](https://centiview.com/company/fastly-fsly): 1 take - [FormFactor (FORM)](https://centiview.com/company/formfactor-form): 1 take - [GE HealthCare (GEHC)](https://centiview.com/company/ge-healthcare-gehc): 1 take - [GEO Group (GEO)](https://centiview.com/company/geo-group-geo): 1 take - [Goldman Sachs (GS)](https://centiview.com/company/goldman-sachs-gs): 1 take - [Haemonetics (HAE)](https://centiview.com/company/haemonetics-hae): 1 take - [HDFC Bank (HDB)](https://centiview.com/company/hdfc-bank-hdb): 1 take - [Hewlett Packard Enterprise (HPE)](https://centiview.com/company/hewlett-packard-enterprise-hpe): 1 take - [HP Inc (HPQ)](https://centiview.com/company/hp-inc-hpq): 1 take - [IonQ (IONQ)](https://centiview.com/company/ionq-ionq): 1 take - [IREN (IREN)](https://centiview.com/company/iren-iren): 1 take - [Johnson & Johnson (JNJ)](https://centiview.com/company/johnson-and-johnson-jnj): 1 take - [JPMorgan Chase (JPM)](https://centiview.com/company/jpmorgan-chase-jpm): 1 take - [Meta Platforms (META)](https://centiview.com/company/meta-platforms-meta): 1 take - [Micron (MU)](https://centiview.com/company/micron-mu): 1 take - [Moderna (MRNA)](https://centiview.com/company/moderna-mrna): 1 take - [Nike (NKE)](https://centiview.com/company/nike-nke): 1 take - [Oracle (ORCL)](https://centiview.com/company/oracle-orcl): 1 take - [Palantir (PLTR)](https://centiview.com/company/palantir-pltr): 1 take - [Penguin Solutions (PENG)](https://centiview.com/company/penguin-solutions-peng): 1 take - [Pfizer (PFE)](https://centiview.com/company/pfizer-pfe): 1 take - [PTC Inc. (PTC)](https://centiview.com/company/ptc-inc-ptc): 1 take - [Salesforce (CRM)](https://centiview.com/company/salesforce-crm): 1 take - [Seagate (STX)](https://centiview.com/company/seagate-stx): 1 take - [Shell (SHEL)](https://centiview.com/company/shell-shel): 1 take - [Skydance Corp (SKYD)](https://centiview.com/company/skydance-corp-skyd): 1 take - [Skyworks (SWKS)](https://centiview.com/company/skyworks-swks): 1 take - [SpaceX (SPCX)](https://centiview.com/company/spacex-spcx): 1 take - [STERIS (STE)](https://centiview.com/company/steris-ste): 1 take - [T-Mobile (TMUS)](https://centiview.com/company/t-mobile-tmus): 1 take - [TD SYNNEX (SNX)](https://centiview.com/company/td-synnex-snx): 1 take - [Telstra (TLS)](https://centiview.com/company/telstra-tls): 1 take - [Tesla (TSLA)](https://centiview.com/company/tesla-tsla): 1 take - [TSMC (TSM)](https://centiview.com/company/tsmc-tsm): 1 take - [UnitedHealth (UNH)](https://centiview.com/company/unitedhealth-unh): 1 take - [Verizon (VZ)](https://centiview.com/company/verizon-vz): 1 take - [Viatris (VTRS)](https://centiview.com/company/viatris-vtrs): 1 take - [Vistra (VST)](https://centiview.com/company/vistra-vst): 1 take - [Webull (BULL)](https://centiview.com/company/webull-bull): 1 take - [Wolfspeed (WOLF)](https://centiview.com/company/wolfspeed-wolf): 1 take - [Zscaler (ZS)](https://centiview.com/company/zscaler-zs): 1 take ## Optional - [Full text of the guides and latest takes](https://centiview.com/llms-full.txt)