美国股市表现 - 美国股市在周四普遍上涨 主要受积极的通胀报告推动 该报告可能有助于美联储在明年继续降息 同时美光科技的强劲盈利报告也帮助人工智能相关股票止住了近期的急剧跌势[3] - 标准普尔500指数上涨0.9% 有望创下三周以来最佳单日表现 此前该指数经历了连续四天的下跌[3] - 道琼斯工业平均指数上涨124点 涨幅0.3% 以科技股为主的纳斯达克综合指数表现领先 上涨1.5%[3] 大麻行业监管动态 - 美国总统签署行政命令 旨在加速将大麻从《管制物质法案》中的一级管制物质重新分类为限制较少的二级管制物质 其公开目标是扩大大麻研究[2] - 重新分类的进程由前总统启动 但在其任内未完成 该事项遗留至现政府处理[2] 高等教育机构人事变动 - 路易斯安那大学系统宣布成立校长遴选委员会 负责为拉斐特分校寻找新校长 该委员会汇集了来自大学社区及各关键利益相关方的代表 旨在引导一个“清晰而审慎的遴选过程”[1] - 委员会首次会议定于1月14日举行 拉斐特分校的长期校长在任职17年后于今年7月辞职[1]

24/7 Wall St. Quick Read SGOV holds $64.7B in assets and yields approximately 3.85% annually as of mid-December 2025. The Fed cut rates to 3.5%-3.75% in December 2025. Further cuts to 3%-3.5% are projected for 2026. SGOV charges 0.09% compared to BIL’s 0.14%. This saves $50 per $100K invested annually. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here ...

Joining us now is Pimco, global economic adviser, former Federal Reserve vice chair Richard Clara. It's great to have you here. Welcome back.>> Yeah, always enjoy it. >> So, how much do you read into this inflation print. >> I think there's some good news here.Obviously, distortions with the shutdown and some seasonals. Uh uh but I think you take the good news when you can can get it. Um and I think it reinforces the message out of the Fed last week, which is inflation is still pretty stubborn, but it's it' ...

Bitcoin (BTC) held steady near $88,000 on Thursday after a volatile session that saw prices briefly surge toward $90,000, fueled by optimism that U.S. President Donald Trump’s incoming Federal Reserve Chair will push for steep rate cuts. Trump said he plans to appoint a new Fed Chair who believes in lowering interest rates “by a lot.” “I’ll soon announce our next chairman of the Federal Reserve, someone who believes in lower interest rates by a lot,” Trump said in a speech Wednesday. “Early in the new yea ...

Key Points The Consumer Price Index (CPI) rose 2.7% annually in November, below estimates at 3.1%. Investors cheered the news as it could encourage the Fed to lower rates. Retailers are seeing consumers trade down to cheaper products. 10 stocks we like better than S&P 500 Index › Two days after investors received an employment report that showed the labor market continuing to wobble, investors got a key economic report with better news. Inflation, as measured by the Consumer Price Index (CPI), ...

Bitcoin and Ethereum grew volatile on Thursday, whipsawing after a widely watched inflation gauge indicated that consumer prices rose less than expected last month. The cryptocurrencies respectively popped as high as $89,000 and $2,980 before U.S. markets opened, as delayed data from the Bureau of Labor Statistics edged rate cut hopes higher. However, when the opening bell rang, Bitcoin and Ethereum wavered. As of this writing, Bitcoin had fallen 1.6% over the past week to $88,399, according to CoinGecko. ...

Chief UK economist Sanjay Raja said the members of the MPC at the Bank of England had become “increasingly focused on an uncertain neutral rate” where borrowing costs neither stimulate nor restrict the economy.Interest rates will be cut in March and June next year amid a sharp drop in inflation and a “deteriorating” jobs market, Deutsche Bank said.Cheaper deals have already started to hit the market, as lenders are pricing Thursday’s decision into their current deals – as well as one or two further cuts exp ...

市场整体表现 - 美股三大指数大幅上涨 纳斯达克指数领涨近1.9% 标普500指数上涨超1.3% 道琼斯工业平均指数飙升超400点 [1][13][15] - 市场上涨主要受低于预期的通胀数据、强劲的企业财报以及对美联储降息预期升温的推动 [3][13][15] 宏观经济数据与货币政策 - 11月CPI通胀数据低于预期 整体CPI同比上涨2.7% 核心CPI同比上涨2.6% 均显示通胀持续放缓 [2][6][15] - 通胀数据强化了市场对美联储可能很快转向降息的预期 [2][15] - 根据期货市场定价 美联储在明年1月降息的概率从24%升至约26.6% [7][15] - 美联储理事克里斯·沃勒本周已暗示对降息持开放态度 与温和的通胀数据共同安抚了市场 [7][15] - 截至12月13日当周 初请失业金人数降至22.4万 较前一周减少1.3万 劳动力市场呈现降温但复杂的图景 [10][15] 科技行业与半导体板块 - 科技股引领周四涨势 主要受美光科技强劲财报驱动 [8][15] - 美光科技预测下季度利润将接近分析师预期的两倍 显示与人工智能相关的需求具有韧性 [8][15] - 美光科技股价大涨超10% 并带动包括英伟达（上涨近2%）在内的半导体同业公司股价 [8][16] - 美光的业绩惊喜抵消了市场对科技投资放缓的担忧 向投资者保证人工智能基础设施支出依然稳固 [8][9] 重点公司动态 - 特朗普媒体与技术集团股价飙升超30% 此前宣布与由Alphabet和雪佛龙支持的聚变能源公司Tae Technologies达成一项价值60亿美元的合并协议 [12][15][16] - 该交易被视为对与AI增长相关的能源需求的长期押注 其股价上涨为更广泛的科技情绪增添了动力 [12][15] - 当日其他涨幅显著的个股包括：Sable Offshore Corp 大涨73.67% Athira Pharma 跳涨82.59% Plug Power 上涨8.84% 特斯拉上涨3.74% [16]

行业整体表现与驱动因素 - 截至当前，Zacks金融板块年内上涨16.2%，同期标普500指数上涨17.8% [9] - 尽管全球商业保险费率下降，但保险公司凭借强劲的客户留存率、风险敞口增长和投资组合多元化获得缓冲 [1] - 利率下调始于2025年9月，美联储在9月、10月和12月会议上各降息25个基点，并暗示2026年可能还有一次降息 [4] 保险业动态 - 根据Marsh的全球保险市场指数，2025年第三季度全球保险费率下降4%，为连续第五个季度下降，所有地区和大多数产品线费率均下降，但伤亡保险是面临费率上涨的主要产品线 [3] - 巨灾导致的巨额损失仍是保险公司主要担忧，但这通常会加速保单续期并促使保险公司提高费率以确保赔付顺畅 [3] - 风险敞口增长和强劲的客户留存率推动了保费收入，这是保险公司营收最重要的贡献因素之一 [4] 利率环境的影响 - 降息预计将提振房地产市场，降低的借贷成本有望缓解潜在买家的财务压力，并刺激房地产开发 [5] - 贷款和信用卡需求预计将出现可观增长，从而使银行业受益 [5] - 低利率环境可能推动金融公司继续进行更多的并购活动，利用更多借款为并购提供资金，有助于在扩张的同时保存现金 [8] - 然而，利率下降将对持有利率敏感型产品和投资的金融公司的投资收益率造成打击 [6] 消费与科技趋势 - 尽管存在持续的通胀阻力，但得益于强劲的工资增长和低裁员率，消费者支出持续增长，有利的消费习惯对金融股是利好 [7] - 万事达卡SpendingPulse的初步数据显示，美国“黑色星期五”（11月28日）零售额（不包括汽车）较2024年同期增长4.1% [7] - 金融业参与者持续投资于区块链、人工智能、高级分析、远程信息处理、云计算和机器人流程自动化等技术，这些技术进步有望实现流程自动化并降低运营费用，从而持续利好利润率 [9] 重点公司分析：Customers Bancorp, Inc. (CUBI) - 公司采用高科技、高触达的模式，通过单点联系系统及其专有的B2B即时支付平台cubiX提供个性化银行服务 [13] - 贷款组合保持多元化，商业贷款占90.1%，消费贷款占9.9%，不良贷款率维持在0.17%的低水平 [13] - 市场对CUBI 2026年每股收益的共识预期为8.01美元，较2025年预期增长5.8%，营收共识预期显示较2025年增长14% [14] - 公司过去四个季度盈利均超预期，平均超出幅度为16.45%，年内股价上涨53.4%，而其所在行业增长为5.8% [14] 重点公司分析：HCI Group, Inc. (HCI) - 公司利用内部开发的平台（如SAMS, Harmony, ClaimColony, AtlasViewer）来增强理赔处理、优化承保决策并确保合规 [17] - 市场对HCI 2026年每股收益的共识预期为16.00美元，过去60天内经历了两次向上修正，没有向下修正 [18] - 公司过去四个季度盈利均超预期，平均超出幅度高达61.78%，年内股价上涨59.5%，而其所在行业增长为9.7% [18] 重点公司分析：Enova International, Inc. (ENVA) - 公司是一家领先的在线金融服务提供商，2025年前九个月发放了约55亿美元信贷，自成立以来完成了约6820万笔交易，利用了超过85TB的行为数据 [19] - 业务遍及美国36个州和巴西（消费产品）以及美国49个州和华盛顿特区（小企业融资），其高级分析中约90%由机器学习驱动 [19] - 市场对ENVA 2026年每股收益的共识预期为14.12美元，较2025年预期增长10.6%，营收共识预期暗示较2025年增长15.8% [20] - 公司过去四个季度盈利均超预期，平均超出幅度为9.63%，年内股价上涨70.8%，而其所在行业增长为58.9% [20]

Stock investors got two pieces of good news on Thursday. US stocks jumped as investors took in a cooler-than-expected inflation report, bolstering confidence in the economy and lifting hopes that the Fed will continue its rate-cutting cycle heading into next year.Consumer prices rose 2.7% year-over-year, according to the Bureau of Labor Statistics, lower than the 3.1% annualized increase economists were expecting. Meanwhile, the tech sector got a break after days of weakness. Chip stocks, led largely by M ...