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Good Morning! đź‘‹
Welcome to the Bean Breakdown. Have a great week!
HEADLINES
What You Need To Know
OpenAI is growing fast, reaching 400 million weekly active users in February, up 33% since December. Enterprise adoption is also surging, with 2 million paying business users—double September’s count. Companies like Uber, Morgan Stanley, and T-Mobile are integrating OpenAI’s tools as AI becomes essential for business operations. Despite rising competition, including China’s DeepSeek, OpenAI’s momentum remains strong.
President Trump is frustrated with delays on the new Air Force One jets, which are years behind schedule and $2 billion over budget. Trump originally negotiated the $4 billion contract in his first term, but it’s unclear if the planes will be ready during his current one. Boeing CEO Kelly Ortberg said Trump advisor Elon Musk is helping streamline requirements to speed up delivery.
Berkshire Hathaway’s Q4 operating earnings surged 71% to $14.5 billion, driven by a 302% jump in insurance underwriting and a 50% rise in investment income. Full-year operating profit rose 27% to $47.4 billion. Despite this, total earnings fell 47% in Q4 due to lower investment gains, as Berkshire trimmed its stock holdings, including part of its Apple stake. Cash holdings hit a record $334.2 billion, with Buffett defending the position, emphasizing Berkshire’s long-term commitment to equities. The company expects a $1.3 billion insurance loss from California wildfires but remains financially strong.
Apple unveiled the iPhone 16e, a budget-friendly model priced at $599, set to launch later this month. It features FaceID, an A18 chip, and Apple’s first in-house cellular modem, the C1. Unlike higher-end models, it has a single camera lens but supports Apple Intelligence, making it the cheapest iPhone with AI features. Apple is betting on the 16e to attract new users as iPhone sales dipped 1% last quarter. The move expands access to its ecosystem, competing with the $799 iPhone 16 and $999 iPhone 16 Pro while offering a more affordable AI-powered option.
SPONSORED
AI IS CHANGING HOMEBUYING
Source: Public.com
The mortgage industry has been slow to innovate, but that’s starting to change. A new acquisition in the real estate world highlights how artificial intelligence (AI) is making home financing faster, more efficient, and more accessible for buyers.
GTG Financial, a mortgage brokerage committed to helping individuals and families achieve homeownership, has joined forces with reAlpha Tech Corp ($AIRE)., a real estate technology company aiming to disrupt the homebuying process with AI-powered solutions.
Rather than getting absorbed into a giant corporation and losing its identity, GTG Financial will retain its brand and leadership under its founder, Glenn Groves. The big shift? The company will now leverage reAlpha’s AI-driven technology to streamline mortgage processing and make the home financing experience smoother for borrowers.
What This Means for Homebuyers
Home loans have historically been a slow, paperwork-heavy process, but AI is changing the game. reAlpha’s platform uses generative AI to speed up loan approvals, reduce manual tasks, and create a more seamless mortgage experience.
GTG Financial will now be powered by Be My Neighbor, a reAlpha subsidiary, strengthening its operational efficiency and mortgage services. According to Christopher Griffith, CEO of Be My Neighbor, and a fellow U.S. Marine like Groves, “Real success in M&A comes from aligned leadership.” Their shared values of discipline and integrity are key to making this partnership work.
The Bigger Picture
This acquisition is part of a broader trend: AI is simplifying real estate. reAlpha’s homebuying platform, which promises “No Fees. Just Keys.,” aims to remove traditional barriers and empower buyers with 24/7 AI-driven insights and assistance.
Instead of navigating the process alone, homebuyers can now rely on AI-powered tools to help them find the right property, compare mortgage options, and close on a home—all without paying hefty commissions or dealing with unnecessary red tape.
UPCOMING
What You Need To Watch
On Tuesday, Apple will hold its annual shareholder meeting, where investors will vote on key proposals and hear updates from company leadership.
On Wednesday, Nvidia will report its earnings, giving investors a look at the company’s performance and AI-driven growth.
On Wednesday, Amazon will hold a product event, showcasing its latest innovations and upcoming releases.
On Friday, the Fed’s preferred inflation gauge, the Personal Consumption Expenditures (PCE) index, will be released, offering key insights into price trends and potential rate moves.
TIP
FREE CASH FLOW
Many investors focus on earnings, but free cash flow (FCF) is often a better indicator of a company’s financial health. Earnings can be manipulated through accounting adjustments, while FCF shows how much actual cash a business generates after expenses. Companies with strong FCF have the flexibility to reinvest in growth, pay dividends, or buy back shares without relying on debt. A business can report high earnings while struggling with cash flow problems, which is a red flag.
CHART
BEST CAR STOCK
Source: @bean_wealth
TERM
FLOAT
Float refers to the number of a company’s shares available for trading by the public, excluding restricted shares held by insiders. It plays a key role in stock liquidity and price movements. For example, if a company has 50 million total shares but insiders hold 20 million, the float is 30 million. A lower float can lead to higher volatility since fewer shares are available for trading, while a higher float generally makes price movements more stable. Investors watch float to assess liquidity and understand how easily a stock can be bought or sold without major price swings.
See you on Wednesday!
Cheers,
Matt Allen
Disclaimer: Sponsored Content
This communication is sponsored content regarding reAlpha Tech Corp (NASDAQ: AIRE). I am not a financial advisor. Any statements or content I share are solely for entertainment, educational, and informational purposes, none of which should be taken as advice or direction. This post is part of a paid awareness campaign for reAlpha Tech Corp (NASDAQ: AIRE). For full details on compensation for this communication, please see below.
Disclosure of Compensation
“The Influencer” and/or its officers, directors, owners, managers, affiliates, and control persons (collectively referred to as the “Publisher”) have been compensated to publish favorable information (the “Information”) about publicly traded companies, referred to individually as an “Issuer” or collectively as the “Issuers,” listed on the NASDAQ Stock Exchange, New York Stock Exchange, and OTC Markets. The Information shared by the Publisher is an advertisement.
Since the Publisher is compensated to share this Information, it is required by securities laws, including Section 10(b) of the Securities Exchange Act of 1934, Rule 10b-5, and Section 17(b) of the Securities Act of 1933, as amended (the “Securities Act”), to disclose certain details about its compensation, including the nature and amount. Furthermore, state and federal securities laws' anti-fraud provisions require the Publisher to notify you that the Paying Party and its affiliates may engage in buying or selling the Issuers’ securities before, during, or after the dissemination of the Information.
The Publisher has been paid (before deductions for bank and PayPal fees) to publicly share information about reAlpha Tech Corp (NASDAQ: AIRE), with the publication period starting on February 24, 2025, and ending on February 24, 2025. Investing in securities is inherently risky, and the Publisher is not liable for any financial outcomes, whether gains or losses, resulting from decisions made based on the opinions expressed in this communication or in other investor relations materials. We have the discretion to work with this company in any future ads/campaigns or in any form we see fit in accordance with the current laws and regulations.
Forward-Looking Statements
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