A recent survey by AARP finds that three out of four adults over 50 would prefer to stay in their home as long as possible. Camille Delongis spoke to Rodney Harrell, vice president of family, home and community for AARP, who shares more on how that can be a reality for more seniors. Harrell spoke on some common home improvements or renovations that can be done to help seniors remain in their homes as they age, how technology in the home is being used to help keep seniors safe and also what kinds of things in the community are vital for seniors as they age. You can watch the full interview in the video player above.
This photograph taken at the house of French Philippe Gillet shows his crocodile Nilo enjoying the sun in Coueron, outside Nantes, on November 15, 2024. Philippe Gillet is known around the world for welcoming over 400 animals into his home, including two alligators and a crocodile in the wild. It’s a lifestyle he’s decided to share on social networks to keep his animals happy. —Photo by Loic Venence/Agence France-Presse COUERON, France — His neighbors have cats and dogs, but when 72-year-old Philippe Gillet settles down to watch television there is usually an alligator dozing beside him. His bungalow in western France is also home to a venomous Gabonese viper, a spitting cobra, a python, alligator turtles that can bite off a finger, tarantulas and scorpions. When someone unfamiliar enters Gillet’s living room, Gator, a 2-meter-long (6.5 feet) alligator, growls from under a coffee table. “Calm down,” said Gillet and Gator went back to his snooze near Alli, another dozing alligator. “When there is a storm he comes to sleep in my bed,” said Gillet. “People think I am mad.” Videos of such episodes and other everyday tales of his deadly menagerie of 400 animals have made Gillet a social media star. They also promote his Inf’Faune charity which aims to educate people about the animals he is so passionate about. Gillet lived in Africa for 20 years, working as a hunting guide. He said he would often catch crocodiles there to keep them away from villages. Back in France, he became a herpetologist—a specialist on reptiles and amphibians. He made his base in Coueron, west of Nantes, with his partner, their children, and the animals. In the garden is Nilo, a Nile crocodile, who Gillet said was “one of the most dangerous species.” Most of the animals were bought or given to him by people who could no longer care for them. France’s customs department has also sometimes turned to him. “You cannot just free them,” said Gillet. “With global warming, freed cobras could reproduce and spread. Is that what we are going to leave our kids?” Financing his passion has become a problem since the coronavirus epidemic however. His association could no longer organize fund-raising open days to show off the animals to the public. That used to bring in 100,000 euros ($105,000) a year. Now his social media videos are the main way he gets the conservation message across. He chooses a different animal for each video, mixing education and humor “to demystify the legends and preconceptions about wild animals.” Inf’Faune built up 100,000 YouTube followers in its first four months and now has 200,000. Gillet also has 700,000 TikTok followers. The revenues allow Gillet and the 20 volunteers who help him feed the animals. But Gillet is still concerned about the future as he ages. Subscribe to our daily newsletter By providing an email address. I agree to the Terms of Use and acknowledge that I have read the Privacy Policy . He is already training the volunteers on looking after the animals and wants to set up a specialized refuge for reptiles far from the suburbs where there would be less need for cages and pens. —Agence France-Presse
Thieves get a taste for cheese and butter amid surging pricesVANCOUVER — British Columbia business owner Joe Chaput will spend $5,500 a month on security guards during the holiday season and plans on upgrading his store’s video camera system for around $5,000 more. He’s not selling luxury brands or expensive jewels. Chaput sells cheese, and at Christmas, cheese is a hot commodity. He is the co-owner of specialty cheese store les amis du Fromage, with two locations in Vancouver. While cheeselifting is rare in their Kitsilano store, the outlet in East Vancouver is hit in waves, with nothing happening for a month, then three of four people trying to steal their inventory within a week. “Sometimes, you miss it. Sometimes, you catch it. The way shoplifters behave ... they tend to gravitate toward expensive things,” said Chaput. Expensive cheese is on shoplifters’ Christmas list, he said. “They tend to do the classic examples of staying away from customer service and trying to go to a different part of the store so they can be left alone to steal.” Chaput isn’t alone. Police say food-related crimes on are the rise in Canada and as prices climb for items such as cheese and butter, they become lucrative on the black market for organized crime groups, not to mention theft for local resale. Sylvain Charlebois, the director of Dalhousie University’s Agri-food Analytics Lab, said a black market tends to emerge as soon as food prices surge. “Organized crime will steal anything (if) they know they can sell it and so, they probably would have known who their clients are before even stealing anything at all, and that’s how a black market is organized,” said Charlebois. He said he believes there are two categories of people shoplifting — those who do so out of desperation because they can’t afford the food, or organized criminals, profiting from sales on the black market. Mounties in North Vancouver made cheesy headlines when they ran into a man with a cart of stolen cheese in the middle of the night in September. The cheese, valued at $12,800, was from a nearby Whole Foods Store. While the cheese was recovered, it had to be disposed of because it hadn’t been refrigerated. Const. Mansoor Sahak, with the North Vancouver RCMP, said officers believe cheese is targeted because it’s “profitable to resell.” “If they are drug addicts, they will commit further crimes with that or feed their drug habits. It’s a vicious cycle,” said Sahak. Sahak said meat is also a top target for grocery thieves, with store losses sometimes in the thousands. “So, we’re not surprised that this happened,” said Sahak. Police in Ontario have been chasing down slippery shoplifters going after butter. Scott Tracey, a spokesman with Guelph Police Service, said there have been eight or nine butter thefts over the last year, including one theft last December worth $1,000. In October, two men walked into a local grocer and filled their carts with cases of butter valued at $936, and four days later a Guelph grocer lost four cases valued at $958. Tracey said he has looked at online marketplaces and found listings by people selling 20 or 30 pounds of butter at a time. “Clearly, somebody didn’t accidentally buy 30 extra pounds of butter. So, they must have come from somewhere,” said Tracey, “I think at this point it appears to be the black market is where it’s headed.” He said the thefts seem to be organized, with two or three people working together in each case. Police in Brantford, Ont., are also investigating the theft of about $1,200 worth of butter from a store on Nov. 4. Charlebois said retailers could invest in prevention technologies like electronic tags, but putting them on butter or cheese is rare. He said up until recently grocery store theft has been a “taboo subject for many years.” Stores didn’t wanted to talk about thefts because they didn’t want to alarm people but now they feel they need to build awareness about what is “becoming a huge problem,” said Charlebois. Chaput, the cheese store owner, said he had been running the East Vancouver store for 15 years while managing the store in Kitsilano for 30 years, and he loves his customers. “It’s really one of the best parts of our businesses, seeing familiar faces and making new customers. It’s why we come to work, really. Partly it’s the cheese, and partly it’s the people,” said Chaput. He said his strategy to combat would-be thieves is to give them extra customer service to make it harder for them to steal. He admits, however, that the shoplifting causes him stress. “It’s challenging. You’re busy trying to run your business day to day and take care of customers and take care of employees. Having to deal with criminals, just kind of scratches away. It can be a bit exhausting,” said Chaput.
Unearthing the Grim Truth: Cartel Clashes in ChiapasEverythingALS and Compass UOL partner to advance artificial intelligence and computational biology by training and supporting 2,000 Top Talent to Cure ALS at AWS re:Invent 2024
Irish woman named to key role in Trump administrationPoni’s Big Year
By CORA LEWIS and ADRIANA MORGA NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you’re saving to move out of your parents’ house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year,” Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they’re attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what’s good, what’s bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there’s shame surrounding the topic of money, or like you were born being “bad at money,” it’s time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it’s important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you’re saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going,” said Greg McBride, chief financial analyst at Bankrate. “Make that monthly budget for 2025 and resolve to track your spending against it throughout the year.” McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do,” said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma’s Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you’ll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can’t manage what you can’t see, so set a New Year’s resolution to check your credit score monthly in 2025,” said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that’s one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers’ credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution,” said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. “Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.Maupay also had a dig at Everton when he departed on loan to Marseille in the summer and his latest taunt has further angered the Premier League club’s supporters. The 28-year-old said on X after Sean Dyche’s side had lost 2-0 to Nottingham Forest at Goodison Park on Sunday: “Whenever I’m having a bad day I just check the Everton score and smile.” Whenever I’m having a bad day I just check the Everton score and smile 🙂 — Neal Maupay (@nealmaupay_) December 29, 2024 Former boxer Tony Bellew was among the Toffees’ supporters who responded to Maupay, with the ex-world cruiserweight champion replying on X with: “P****!” Maupay endured a miserable spell at Everton, scoring just one league goal in 29 appearances after being signed by the Merseysiders for an undisclosed fee in 2022. He departed on a season-long loan to his former club Brentford for the 2023-24 season and left Goodison for a second time in August when Marseille signed him on loan with an obligation to make the deal permanent. After leaving Everton in the summer, Maupay outraged their fans by posting on social media a scene from the film Shawshank Redemption, famous for depicting the main character’s long fight for freedom.
• Total Revenues of $138.8M , up 14% year-over-year • Subscription Revenues of $119.9M , up 14% year-over-year • GAAP Operating Margin of (1)% , up ~1,000 basis points year-over-year • Non-GAAP Operating Margin of 20% , up ~350 basis points year-over-year WILMINGTON, N.C., Dec. 04, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. NCNO , the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2025, ended October 31, 2024. "We are very pleased with our third quarter results, once again exceeding expectations for both revenues and non-GAAP operating income," said Pierre Naudé, Chairman and CEO at nCino. "The team delivered solid execution globally, with over 30 multi-solution deals and more gross bookings from net new customers than the previous two quarters combined. Multi-solution deals continue to show the demand for a true end-to-end platform for financial institutions to onboard customers, open accounts, originate loans and manage the portfolio across multiple business lines. We remain focused on innovation and delivering efficiencies that create real business value, and we're excited by the strength and expansion we saw in our business this quarter as a result of that reputation." Financial Highlights Revenues: Total revenues for the third quarter of fiscal 2025 were $138.8 million, a 14% increase from $121.9 million in the third quarter of fiscal 2024. Subscription revenues for the third quarter were $119.9 million, up from $104.8 million one year ago, an increase of 14%. Income (Loss) from Operations: GAAP loss from operations in the third quarter of fiscal 2025 was $(0.8) million compared to $(12.9) million in the same quarter of fiscal 2024. Non-GAAP operating income in the third quarter of fiscal 2025 was $28.0 million compared to $20.4 million in the third quarter of fiscal 2024, an increase of 38%. Net Income (Loss) Attributable to nCino: GAAP net loss attributable to nCino in the third quarter of fiscal 2025 was $(5.3) million compared to $(16.4) million in the third quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the third quarter of fiscal 2025 was $24.4 million compared to $16.2 million in the third quarter of fiscal 2024, an increase of 51%. Net Income (Loss) Attributable to nCino per Share: GAAP net loss attributable to nCino in the third quarter of fiscal 2025 was $(0.05) per basic and diluted share compared to $(0.15) per basic and diluted share in the third quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the third quarter was $0.21 per diluted share compared to $0.14 per diluted share in the third quarter of fiscal 2024. Remaining Performance Obligation: Total Remaining Performance Obligation (RPO) as of October 31, 2024, was $1.095 billion, compared with $917.1 million as of October 31, 2023, an increase of 19%. RPO expected to be recognized in the next 24 months was $730.0 million, an increase of 16% from $627.6 million as of October 31, 2023. Cash: Cash, cash equivalents, and restricted cash were $258.3 million as of October 31, 2024, which reflected refinancing the revolving credit facility and included $129.7 million that was subsequently utilized to acquire FullCircl on November 5, 2024. Recent Business Highlights Completed acquisition of FullCircl: Closed the acquisition of FullCircl on November 5, 2024, expanding nCino's onboarding capabilities by adding data aggregation components to the platform for financial institutions in EMEA. Signed a multi-solution expansion agreement with a top-40 bank in the U.S.: Shortly after quarter end, expanded relationship with a top-40 bank in the U.S. for Commercial and Small Business Lending, Commercial Pricing & Profitability, Automated Spreading and Banking Advisor. Signed first Banking Advisor deal in Australia: Extended relationship with a top-5 Australian bank for three years with the addition of Banking Advisor. Signed largest customer in Japan: Tokushima Taisho Bank selected nCino to transform its business lending operations, making the bank nCino's largest customer in Japan. Signed an expansion agreement with the largest bank in Norway: The bank expanded its adoption of nCino Commercial Lending, including Banking Advisor, and will also be running Credit Portfolio Management and ESG reporting on nCino. One of the largest home builders in the U.S. went live on the nCino Mortgage Solution: The affiliate mortgage company of a large, national home builder completed its rollout of the nCino Mortgage Solution. Financial Outlook nCino is providing guidance for its fourth quarter ending January 31, 2025 , as follows: Total revenues between $139.5 million and $141.5 million. Subscription revenues between $122.5 million and $124.5 million. Non-GAAP operating income between $23.25 million and $24.25 million. Non-GAAP net income attributable to nCino per diluted share of $0.18 to $0.19. nCino is providing guidance for its fiscal year 2025 ending January 31, 2025 , as follows: Total revenues between $539.0 million and $541.0 million. Subscription revenues between $467.0 million and $469.0 million. Non-GAAP operating income between $95.0 million and $96.0 million. Non-GAAP net income attributable to nCino per diluted share of $0.75 to $0.76. Conference Call nCino will host a conference call at 4:30 p.m. ET today to discuss its financial results and outlook. The conference call will be available via live webcast and replay at the Investor Relations section of nCino's website: https://investor.ncino.com/news-events/events-and-presentations . About nCino nCino NCNO is powering a new era in financial services. The Company was founded to help financial institutions digitize and reengineer business processes to boost efficiencies and create better banking experiences. With over 1,800 customers worldwide - including community banks, credit unions, independent mortgage banks, and the largest financial entities globally - nCino offers a trusted platform of best-in-class, intelligent solutions. By integrating artificial intelligence and actionable insights into its platform, nCino is helping financial institutions consolidate legacy systems to enhance strategic decision-making, improve risk management, and elevate customer satisfaction by cohesively bringing together people, AI and data. For more information, visit www.ncino.com . Forward-Looking Statements: This press release contains forward-looking statements about nCino's financial and operating results, which include statements regarding nCino's future performance, outlook, guidance, the assumptions underlying those statements, the benefits from the use of nCino's solutions, our strategies, and general business conditions. Forward-looking statements generally include actions, events, results, strategies and expectations and are often identifiable by use of the words "believes," "expects," "intends," "anticipates," "plans," "seeks," "estimates," "projects," "may," "will," "could," "might," or "continues" or similar expressions and the negatives thereof. Any forward-looking statements contained in this press release are based upon nCino's historical performance and its current plans, estimates, and expectations and are not a representation that such plans, estimates, or expectations will be achieved. These forward-looking statements represent nCino's expectations as of the date of this press release. Subsequent events may cause these expectations to change and, except as may be required by law, nCino does not undertake any obligation to update or revise these forward-looking statements. These forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially including, but not limited to risks associated with (i) adverse changes in the financial services industry, including as a result of customer consolidation or bank failures; (ii) adverse changes in economic, regulatory, or market conditions, including as a direct or indirect consequence of higher interest rates; (iii) risks associated with acquisitions we undertake, (iv) breaches in our security measures or unauthorized access to our customers' or their clients' data; (v) the accuracy of management's assumptions and estimates; (vi) our ability to attract new customers and succeed in having current customers expand their use of our solution; (vii) competitive factors, including pricing pressures, consolidation among competitors, entry of new competitors, the launch of new products and marketing initiatives by our competitors, and difficulty securing rights to access or integrate with third party products or data used by our customers; (viii) the rate of adoption of our newer solutions and the results of our efforts to sustain or expand the use and adoption of our more established solutions; (ix) fluctuation of our results of operations, which may make period-to-period comparisons less meaningful; (x) our ability to manage our growth effectively including expanding outside of the United States; (xi) adverse changes in our relationship with Salesforce; (xii) our ability to successfully acquire new companies and/or integrate acquisitions into our existing organization; (xiii) the loss of one or more customers, particularly any of our larger customers, or a reduction in the number of users our customers purchase access and use rights for; (xiv) system unavailability, system performance problems, or loss of data due to disruptions or other problems with our computing infrastructure or the infrastructure we rely on that is operated by third parties; (xv) our ability to maintain our corporate culture and attract and retain highly skilled employees; and (xvi) the outcome and impact of legal proceedings and related fees and expenses. Additional risks and uncertainties that could affect nCino's business and financial results are included in our reports filed with the U.S. Securities and Exchange Commission (available on our web site at www.ncino.com or the SEC's web site at www.sec.gov ). Further information on potential risks that could affect actual results will be included in other filings nCino makes with the SEC from time to time. nCino, Inc. CONDENSED CONSOLIDATED BALANCE SHEETS (In thousands) (Unaudited) January 31, 2024 October 31, 2024 Assets Current assets Cash and cash equivalents $ 112,085 $ 257,894 Accounts receivable, net 112,975 65,013 Costs capitalized to obtain revenue contracts, current portion, net 10,544 12,214 Prepaid expenses and other current assets 15,171 13,523 Total current assets 250,775 348,644 Property and equipment, net 79,145 75,711 Operating lease right-of-use assets, net 19,261 14,938 Costs capitalized to obtain revenue contracts, noncurrent, net 17,425 20,185 Goodwill 838,869 908,559 Intangible assets, net 115,572 128,344 Investments 9,294 9,294 Long-term prepaid expenses and other assets 10,089 10,931 Total assets $ 1,340,430 $ 1,516,606 Liabilities, redeemable non-controlling interest, and stockholders' equity Current liabilities Accounts payable $ 11,842 $ 12,123 Accrued compensation and benefits 16,283 16,370 Accrued expenses and other current liabilities 10,847 11,594 Deferred revenue, current portion 170,941 132,382 Financing obligations, current portion 1,474 1,614 Operating lease liabilities, current portion 3,649 4,830 Total current liabilities 215,036 178,913 Operating lease liabilities, noncurrent 16,423 11,829 Deferred income taxes, noncurrent 3,687 10,577 Deferred revenue, noncurrent — 431 Revolving credit facility, noncurrent — 166,000 Financing obligations, noncurrent 52,680 51,624 Other long-term liabilities — 3,726 Total liabilities 287,826 423,100 Commitments and contingencies Redeemable non-controlling interest 3,428 5,243 Stockholders' equity Common stock 57 58 Additional paid-in capital 1,400,881 1,456,411 Accumulated other comprehensive income 996 1,615 Accumulated deficit (352,758 ) (369,821 ) Total stockholders' equity 1,049,176 1,088,263 Total liabilities, redeemable non-controlling interest, and stockholders' equity $ 1,340,430 $ 1,516,606 nCino, Inc. CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (In thousands, except share and per share data) (Unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2023 2024 2023 2024 Revenues Subscription $ 104,759 $ 119,894 $ 301,996 $ 344,211 Professional services and other 17,183 18,903 50,854 55,076 Total revenues 121,942 138,797 352,850 399,287 Cost of revenues Subscription 30,605 33,769 89,481 98,916 Professional services and other 17,420 19,976 52,779 59,940 Total cost of revenues 48,025 53,745 142,260 158,856 Gross profit 73,917 85,052 210,590 240,431 Gross margin % 61 % 61 % 60 % 60 % Operating expenses Sales and marketing 38,446 29,729 100,551 89,487 Research and development 29,043 33,039 87,127 97,291 General and administrative 19,334 23,108 59,239 66,046 Total operating expenses 86,823 85,876 246,917 252,824 Loss from operations (12,906 ) (824 ) (36,327 ) (12,393 ) Non-operating income (expense) Interest income 685 482 2,057 1,408 Interest expense (854 ) (1,653 ) (3,277 ) (4,965 ) Other income (expense), net (2,320 ) 432 (2,633 ) (162 ) Loss before income taxes (15,395 ) (1,563 ) (40,180 ) (16,112 ) Income tax provision 1,782 2,589 4,720 1,360 Net loss (17,177 ) (4,152 ) (44,900 ) (17,472 ) Net loss attributable to redeemable non-controlling interest (320 ) (186 ) (868 ) (409 ) Adjustment attributable to redeemable non-controlling interest (478 ) 1,286 (526 ) 2,205 Net loss attributable to nCino, Inc. $ (16,379 ) $ (5,252 ) $ (43,506 ) $ (19,268 ) Net loss per share attributable to nCino, Inc.: Basic and diluted $ (0.15 ) $ (0.05 ) $ (0.39 ) $ (0.17 ) Weighted average number of common shares outstanding: Basic and diluted 112,951,553 115,611,833 112,484,017 114,970,622 nCino, Inc. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (In thousands) (Unaudited) Nine Months Ended October 31, 2023 2024 Cash flows from operating activities Net loss attributable to nCino, Inc. $ (43,506 ) $ (19,268 ) Net loss and adjustment attributable to redeemable non-controlling interest (1,394 ) 1,796 Net loss (44,900 ) (17,472 ) Adjustments to reconcile net loss to net cash provided by operating activities: Depreciation and amortization 37,337 26,132 Non-cash operating lease costs 3,581 3,844 Amortization of costs capitalized to obtain revenue contracts 7,368 8,724 Amortization of debt issuance costs 138 60 Stock-based compensation 41,969 53,015 Deferred income taxes 881 (2,496 ) Provision for bad debt 1,124 25 Net foreign currency losses (gains) 2,275 (658 ) Loss on disposal of long-lived assets 161 35 Change in operating assets and liabilities: Accounts receivable 35,455 50,184 Costs capitalized to obtain revenue contracts (5,959 ) (13,199 ) Prepaid expenses and other assets 3,374 656 Accounts payable 1,184 1,056 Accrued expenses and other liabilities (7,999 ) (148 ) Deferred revenue (23,789 ) (41,604 ) Operating lease liabilities (3,063 ) (2,936 ) Net cash provided by operating activities 49,137 65,218 Cash flows from investing activities Acquisition of business, net of cash acquired — (90,839 ) Acquisition of assets (356 ) (450 ) Purchases of property and equipment (3,083 ) (1,466 ) Purchase of investment (2,500 ) — Net cash used in investing activities (5,939 ) (92,755 ) Cash flows from financing activities Investment from redeemable non-controlling interest 983 — Proceeds from borrowings on revolving credit facility — 241,000 Payments on revolving credit facility (30,000 ) (75,000 ) Payments of debt issuance costs — (1,382 ) Exercise of stock options 3,176 2,223 Stock issuance under the employee stock purchase plan 2,698 2,514 Principal payments on financing obligations (888 ) (916 ) Net cash provided by (used in) financing activities (24,031 ) 168,439 Effect of foreign currency exchange rate changes on cash, cash equivalents, and restricted cash (762 ) (93 ) Net increase in cash, cash equivalents, and restricted cash 18,405 140,809 Cash, cash equivalents, and restricted cash, beginning of period 87,418 117,444 Cash, cash equivalents, and restricted cash, end of period $ 105,823 $ 258,253 Reconciliation of cash, cash equivalents, and restricted cash, end of period: Cash and cash equivalents $ 100,475 $ 257,894 Restricted cash included in prepaid expenses and other current assets 5,000 — Restricted cash included in long-term prepaid expenses and other assets 348 359 Total cash, cash equivalents, and restricted cash, end of period $ 105,823 $ 258,253 Non-GAAP Financial Measures In nCino's public disclosures, nCino has provided non-GAAP measures, which are measurements of financial performance that have not been prepared in accordance with generally accepted accounting principles in the United States, or GAAP. In addition to its GAAP measures, nCino uses these non-GAAP financial measures internally for budgeting and resource allocation purposes and in analyzing our financial results. For the reasons set forth below, nCino believes that excluding the following items provides information that is helpful in understanding our operating results, evaluating our future prospects, comparing our financial results across accounting periods, and comparing our financial results to our peers, many of which provide similar non-GAAP financial measures. Amortization of Purchased Intangibles. nCino incurs amortization expense for purchased intangible assets in connection with certain mergers and acquisitions. Because these costs have already been incurred, cannot be recovered, are non-cash, and are affected by the inherent subjective nature of purchase price allocations, nCino excludes these expenses for our internal management reporting processes. nCino's management also finds it useful to exclude these charges when assessing the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Although nCino excludes amortization expense for purchased intangibles from these non-GAAP measures, management believes it is important for investors to understand that such intangible assets were recorded as part of purchase accounting and contribute to revenue generation. Stock-Based Compensation Expenses. nCino excludes stock-based compensation expenses primarily because they are non-cash expenses that nCino excludes from our internal management reporting processes. nCino's management also finds it useful to exclude these expenses when they assess the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Moreover, because of varying available valuation methodologies, subjective assumptions and the variety of award types that companies can use, nCino believes excluding stock-based compensation expenses allows investors to make meaningful comparisons between our recurring core business operating results and those of other companies. Acquisition-Related Expenses. nCino excludes expenses related to acquisitions as they limit comparability of operating results with prior periods. We believe these costs, which are primarily related to legal, consulting and other professional services fees, are non-recurring in nature and outside the ordinary course of business. Litigation Expenses. nCino excludes fees and expenses related to litigation expenses incurred from legal matters outside the ordinary course of our business as we believe their exclusion from non-GAAP operating expenses will facilitate a more meaningful explanation of operating results and comparisons with prior period results. Restructuring Costs. nCino excludes costs incurred related to bespoke restructuring plans and other one-time costs that are fundamentally different in strategic nature and frequency from ongoing initiatives. We believe excluding these costs facilitates a more consistent comparison of operating performance over time. Tax Benefit Related to Acquisitions. In connection with deferred tax liabilities assumed from acquisitions, nCino may reduce the valuation allowance against deferred tax assets, resulting in a one-time tax benefit recorded in Income tax provision (benefit). We believe that the exclusion of this benefit from our non-GAAP net income attributable to nCino and non-GAAP net income attributable to nCino per share provides a more direct comparison to all periods presented. Income Tax Effect on Non-GAAP Adjustments. The income tax effects are related to the imputed tax impact on the difference between GAAP and non-GAAP costs and expenses. Adjustment to Redeemable Non-Controlling Interest. nCino adjusts the value of redeemable non-controlling interest of its joint venture nCino K.K. in accordance with the operating agreement for that entity. nCino believes investors benefit from an understanding of the company's operating results absent the effect of this adjustment, and for comparability, has reconciled this adjustment for previously reported non-GAAP results. There are limitations to using non-GAAP financial measures because non-GAAP financial measures are not prepared in accordance with GAAP and may be different from non-GAAP financial measures provided by other companies. The non-GAAP financial measures are limited in value because they exclude certain items that may have a material impact upon our reported financial results. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by nCino's management about which items are adjusted to calculate its non-GAAP financial measures. nCino compensates for these limitations by analyzing current and future results on a GAAP basis as well as a non-GAAP basis and also by providing GAAP measures in its public disclosures. Non-GAAP financial measures should not be considered in isolation from, or as a substitute for, financial information prepared in accordance with GAAP. nCino encourages investors and others to review our financial information in its entirety, not to rely on any single financial measure to evaluate our business, and to view our non-GAAP financial measures in conjunction with the most directly comparable GAAP financial measures. A reconciliation of GAAP to the non-GAAP financial measures has been provided in the tables below. nCino, Inc. RECONCILIATION OF GAAP TO NON-GAAP MEASURES (In thousands, except share and per share data) (Unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2023 2024 2023 2024 GAAP total revenues $ 121,942 $ 138,797 $ 352,850 $ 399,287 GAAP cost of subscription revenues $ 30,605 $ 33,769 $ 89,481 $ 98,916 Amortization expense - developed technology (3,990 ) (4,404 ) (12,431 ) (12,926 ) Stock-based compensation (515 ) (733 ) (1,314 ) (2,088 ) Restructuring charges (12 ) — (51 ) — Non-GAAP cost of subscription revenues $ 26,088 $ 28,632 $ 75,685 $ 83,902 GAAP cost of professional services and other revenues $ 17,420 $ 19,976 $ 52,779 $ 59,940 Amortization expense - other (82 ) (82 ) (247 ) (247 ) Stock-based compensation (2,571 ) (2,940 ) (6,660 ) (8,699 ) Restructuring charges (26 ) — (118 ) — Non-GAAP cost of professional services and other revenues $ 14,741 $ 16,954 $ 45,754 $ 50,994 GAAP gross profit $ 73,917 $ 85,052 $ 210,590 $ 240,431 Amortization expense - developed technology 3,990 4,404 12,431 12,926 Amortization expense - other 82 82 247 247 Stock-based compensation 3,086 3,673 7,974 10,787 Restructuring charges 38 — 169 — Non-GAAP gross profit $ 81,113 $ 93,211 $ 231,411 $ 264,391 The following table sets forth reconciling items as a percentage of total revenue for the periods presented. 1 GAAP gross margin % 61 % 61 % 60 % 60 % Amortization expense - developed technology 3 3 4 3 Amortization expense - other — — — — Stock-based compensation 3 3 2 3 Restructuring charges — — — — Non-GAAP gross margin % 67 % 67 % 66 % 66 % GAAP sales & marketing expense $ 38,446 $ 29,729 $ 100,551 $ 89,487 Amortization expense - customer relationships (2,167 ) (2,736 ) (6,502 ) (7,889 ) Amortization expense - trade name (10,713 ) (107 ) (11,921 ) (254 ) Amortization expense - other — (28 ) — (72 ) Stock-based compensation (4,153 ) (4,394 ) (11,194 ) (12,534 ) Restructuring charges (24 ) — (100 ) — Non-GAAP sales & marketing expense $ 21,389 $ 22,464 $ 70,834 $ 68,738 GAAP research & development expense $ 29,043 $ 33,039 $ 87,127 $ 97,291 Stock-based compensation (4,386 ) (4,208 ) (11,665 ) (13,720 ) Restructuring charges (87 ) — (352 ) — Non-GAAP research & development expense $ 24,570 $ 28,831 $ 75,110 $ 83,571 GAAP general & administrative expense $ 19,334 $ 23,108 $ 59,239 $ 66,046 Stock-based compensation (4,198 ) (5,696 ) (11,136 ) (15,974 ) Acquisition-related expenses (211 ) (3,423 ) (634 ) (9,410 ) Litigation expenses (153 ) (115 ) (4,502 ) (365 ) Restructuring charges (1 ) — (6 ) — Non-GAAP general & administrative expense $ 14,771 $ 13,874 $ 42,961 $ 40,297 GAAP loss from operations $ (12,906 ) $ (824 ) $ (36,327 ) $ (12,393 ) Amortization of intangible assets 16,952 7,357 31,101 21,388 Stock-based compensation 15,823 17,971 41,969 53,015 Acquisition-related expenses 211 3,423 634 9,410 Litigation expenses 153 115 4,502 365 Restructuring charges 150 — 627 — Non-GAAP operating income $ 20,383 $ 28,042 $ 42,506 $ 71,785 The following table sets forth reconciling items as a percentage of total revenue for the periods presented. 1 GAAP operating margin % (11 )% (1 )% (10 )% (3 )% Amortization of intangible assets 14 5 9 5 Stock-based compensation 13 13 12 13 Acquisition-related expenses — 2 — 2 Litigation expenses — — 1 — Restructuring charges — — — — Non-GAAP operating margin % 17 % 20 % 12 % 18 % GAAP net loss attributable to nCino, Inc. $ (16,379 ) $ (5,252 ) $ (43,506 ) $ (19,268 ) Amortization of intangible assets 16,952 7,357 31,101 21,388 Stock-based compensation 15,823 17,971 41,969 53,015 Acquisition-related expenses 211 3,423 634 9,410 Litigation expenses 153 115 4,502 365 Restructuring charges 150 — 627 — Tax benefit related to acquisition — — — (3,609 ) Income tax effect on non-GAAP adjustments (237 ) (451 ) (616 ) (1,244 ) Adjustment attributable to redeemable non-controlling interest (478 ) 1,286 (526 ) 2,205 Non-GAAP net income attributable to nCino, Inc. $ 16,195 $ 24,449 $ 34,185 $ 62,262 Basic and diluted GAAP net loss attributable to nCino, Inc. per share $ (0.15 ) $ (0.05 ) $ (0.39 ) $ (0.17 ) Weighted-average shares used to compute basic and diluted GAAP net loss attributable to nCino, Inc. per share 112,951,553 115,611,833 112,484,017 114,970,622 Basic non-GAAP net income attributable to nCino, Inc. per share $ 0.14 $ 0.21 $ 0.30 $ 0.54 Weighted-average shares used to compute basic non-GAAP net income attributable to nCino, Inc. per share 112,951,553 115,611,833 112,484,017 114,970,622 Diluted non-GAAP net income attributable to nCino, Inc. per share $ 0.14 $ 0.21 $ 0.30 $ 0.53 Weighted-average shares used to compute diluted non-GAAP net income attributable to nCino, Inc. per share 115,261,169 117,416,473 114,636,396 116,913,806 Free cash flow Net cash provided by operating activities $ 5,870 $ 5,777 $ 49,137 $ 65,218 Purchases of property and equipment (619 ) (680 ) (3,083 ) (1,466 ) Free cash flow $ 5,251 $ 5,097 $ 46,054 $ 63,752 Principal payments on financing obligations 2 (324 ) (194 ) (888 ) (916 ) Free cash flow less principal payments on financing obligations $ 4,927 $ 4,903 $ 45,166 $ 62,836 1 Columns may not foot due to rounding. 2 These amounts represent the non-interest component of payments towards financing obligations for facilities. CONTACTS INVESTOR CONTACT Harrison Masters nCino +1 910.734.7743 Harrison.masters@ncino.com MEDIA CONTACT Natalia Moose nCino Natalia.moose@ncino.com © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
AP Sports SummaryBrief at 5:24 p.m. ESTMaupay also had a dig at Everton when he departed on loan to Marseille in the summer and his latest taunt has further angered the Premier League club’s supporters. The 28-year-old said on X after Sean Dyche’s side had lost 2-0 to Nottingham Forest at Goodison Park on Sunday: “Whenever I’m having a bad day I just check the Everton score and smile.” Whenever I’m having a bad day I just check the Everton score and smile 🙂 — Neal Maupay (@nealmaupay_) December 29, 2024 Former boxer Tony Bellew was among the Toffees’ supporters who responded to Maupay, with the ex-world cruiserweight champion replying on X with: “P****!” Maupay endured a miserable spell at Everton, scoring just one league goal in 29 appearances after being signed by the Merseysiders for an undisclosed fee in 2022. He departed on a season-long loan to his former club Brentford for the 2023-24 season and left Goodison for a second time in August when Marseille signed him on loan with an obligation to make the deal permanent. After leaving Everton in the summer, Maupay outraged their fans by posting on social media a scene from the film Shawshank Redemption, famous for depicting the main character’s long fight for freedom.Indeed, there are still plenty of high-yield that can be bought and held in a range of accounts for the very long term. No one’s going to live forever, but finding stocks that one can buy and hold for a few decades is key to building a sustainable long-term investment portfolio. When looking at many of the stocks in the market right now, I find it hard to make the argument that some may be around in five year’s time, let alone a few decades down the road. That said, ( ) is one top Canadian energy stock that I think fits the bill of a “buy-and-hold” stock for an investor with a time horizon of a decade or two. This Canadian energy giant remains important to the energy independence movement in North America and is well-positioned to continue to benefit from long-term trends such as population growth over time. Here’s why Suncor looks like a top buy-and-hold pick in my books and why this stock is one investors may want to consider adding or doubling down on during future potential dips. A sustainable business model The energy sector is highly cyclical, as many investors are well aware. However, Suncor’s ability to not only withstand various commodity price cycles in this sector but also come out of these cycles better than ever is notable. Suncor is a fully integrated energy company focused on providing crude oil (mainly from the company’s oil sands operations in Western Canada), synthetic crude and natural gas, as well as refining and other marketing-related activities with respect to its energy production initiatives. The company’s ability to provide consistent output growth and higher relative oil prices in recent years has led to solid earnings growth, which the company has continued to pass on to investors in the form of rising dividends. Currently providing investors with a dividend yield of 4%, I’d make the argument that this stock is a bond proxy investors should consider for its relative growth potential (seen in the stock chart above). Strong financials indicate future dividend hikes are likely In order for any company to provide investors with consistent dividend growth, a pathway toward stable and growing earnings ought to be present. In this regard, I think Suncor is among the top energy stocks to consider at this point in the market cycle. The company has provided relatively consistent earnings growth, coming in around 3% year over year, leading analysts to provide a consensus buy target on the stock and a price target of around 20% above current levels. With a price-to-earnings ratio of around nine times (a discount of roughly 15% compared to sector peers) and strong net debt reductions of around $500 million this past quarter, the company is both improving the quality of its balance sheet and providing bottom-line growth simultaneously. This should be a recipe for continued upside in the stock, given that one of the big knocks against Suncor in the past has been the quality of its balance sheet. Can this stock provide long-term gains? It’s becoming increasingly clear that many investors are starting to catch on to Suncor’s growth potential as well as its balance sheet improvements as a key reason to buy and hold this stock at current levels. Indeed, at the company’s current valuation, significant oil price declines are already being factored into Suncor stock. Thus, I’d argue that at current levels, there’s a substantial margin of safety built into this undervalued dividend stock right now. For those seeking passive income of around 4% per year moving forward, Suncor does look like a better option to me than many fixed-income securities out there. That’s because while bond yields are heading lower in Canada, that’s not the case throughout many parts of the world (including the U.S.). And with the Canadian dollar/U.S. dollar differential remaining an issue for many companies, a weaker Canadian dollar should benefit Suncor to a greater degree than other companies over the medium term. In my view, Suncor remains a top pick in this environment for those with a near-, medium-, or long-term outlook. This is a top dividend stock I’d consider on any significant pullbacks moving forward.
Thieves get a taste for cheese and butter amid surging prices
In 2024, Uganda Cricket had a good year but most of the wins came on the back of a very good 2023. The Cricket Cranes earned qualification to the 2024 T20 World Cup after finishing among the top two teams at the qualifiers in Namibia, while the Victoria Pearls got a place at the Global Qualifiers because of a top-two finish in Entebbe in late 2023. The rewards of 2024 came from the gains of 2023, and 2025 could be as definitive as 2023 was. The Cricket Cranes’ maiden appearance at the 2024 T20 World Cup in West Indies is the highlight of a good year. For the boys in yellow to line up alongside test-playing countries such as New Zealand, West Indies, and Afghanistan is a once-in-a-lifetime opportunity considering the gap between Uganda and the other teams. Uganda managed a win against fellow associates PNG, a nervy three-wicket win but it wasn’t deserved. Riazat Ali Shah was outstanding in the win with a player-of-the-match knock but Frank Nsubuga made history of his own with some economical bowling spell (2/4) and is also the oldest player to ever play in the World Cup at 43. The Cricket Cranes had low scores in the other games which is evidence of a gulf in class but gave a great account with the ball in hand as Brian Masaba finished with five World Cup wickets while Cosmas Kyewuta, Juma Miyagi, and Alpesh Ramjani showed that they belong. In a very uneventful year for the Victoria Pearls, a return to the Global Qualifiers in Abu Dhabi early in the year was the highlight for them. The report card was not good looking after finishing 6th out of the eight teams, a reality that there is still a lot of work to do for them to catch up with the rest of the global teams as they chase a World Cup spot. The ladies managed to win a fourth Kwibuka title in Kigali Rwanda to avenge the heartbreak of 2023 with a very young side that had U-19 players who needed some international exposure. Unfortunately, the baby Victoria Pearls failed to progress to the U-19 girls’ World Cup at the qualifiers in Kigali. They could only manage fourth place as Nigeria nicked Zimbabwe for the only one spot at the World Cup. On the local scene, the men’s league competitions got new champions, Kutchi Tigers winning the men’s 50-over League for the first time in their history while Wanderers won the men’s T20 League. The Aziz Damani dominance of the local leagues stopped only because the perennial winners chose not to take part in the local competitions. Soroti City won the Women’s T20 League for the second year in a row defeating their sister club Olila Cricket Club in the final. Wanderers and Tornado Bee had some strong performances in the ladies’ league without the usual champion Aziz Damani. Riazat Ali Shah was crowned Cricket of the Year after edging former T20 Cricket Cranes Captain Brian Masaba in a close poll while Alpesh Ramjani and Rita Musamali won the male and female cricketers of the Year respectively at the annual awards. In 2025 Uganda Cricket has some major activities with the second round of the Challenge League early in the year, a test for the Cricket Cranes as they chase a spot at the 2027 50-Over World Cup. A strong performance in Hong Kong should more or less guarantee them a place at the next stage. The major one for the Cricket Cranes will be the Africa T20 finals in Zimbabwe. The team will be chasing a second appearance at the T20 World Cup in India/Sri Lanka but they will have to go through a hostile Zimbabwe and Namibia to earn one of the two slots available for Africa. The Victoria Pearls will be chasing their third appearance at the Global Qualifiers at the women’s Africa T20 Qualifiers later in the year. Zimbabwe and other usual suspects should give them a run for the two spots available for qualification. The U-19 boys will be looking to better their last performance at the U-19 World Cup qualifiers in Nigeria in April. A single spot is up for grabs to the junior showpiece. Uganda has been to the World Cup thrice and a fourth time will be a great achievement for a new generation of players. If the national teams are successful in 2025, Uganda will qualify for two World Cups (T20 World Cup and U-19 boys World Cup) with the Victoria Pearls also qualifying for the global T20 World Cup Qualifiers.Edgewise Therapeutics, Inc. ( NASDAQ:EWTX – Get Free Report ) insider Marc Semigran sold 29,709 shares of the firm’s stock in a transaction on Tuesday, December 24th. The shares were sold at an average price of $29.69, for a total transaction of $882,060.21. Following the completion of the transaction, the insider now directly owns 6,716 shares of the company’s stock, valued at approximately $199,398.04. The trade was a 81.56 % decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link . Edgewise Therapeutics Price Performance Shares of NASDAQ EWTX opened at $28.74 on Friday. The stock has a market capitalization of $2.72 billion, a P/E ratio of -19.16 and a beta of 0.12. Edgewise Therapeutics, Inc. has a one year low of $9.00 and a one year high of $38.12. The firm’s 50 day simple moving average is $32.34 and its two-hundred day simple moving average is $24.98. Edgewise Therapeutics ( NASDAQ:EWTX – Get Free Report ) last released its earnings results on Thursday, November 7th. The company reported ($0.36) EPS for the quarter, beating the consensus estimate of ($0.37) by $0.01. As a group, equities analysts expect that Edgewise Therapeutics, Inc. will post -1.45 earnings per share for the current fiscal year. Wall Street Analyst Weigh In Get Our Latest Report on Edgewise Therapeutics Institutional Inflows and Outflows Several large investors have recently modified their holdings of EWTX. Novo Holdings A S bought a new position in Edgewise Therapeutics during the 2nd quarter worth approximately $114,263,000. Braidwell LP purchased a new stake in shares of Edgewise Therapeutics during the third quarter valued at approximately $52,267,000. Janus Henderson Group PLC grew its holdings in shares of Edgewise Therapeutics by 74.8% in the third quarter. Janus Henderson Group PLC now owns 4,558,519 shares of the company’s stock worth $121,616,000 after purchasing an additional 1,951,220 shares during the last quarter. Millennium Management LLC increased its stake in shares of Edgewise Therapeutics by 115.2% in the second quarter. Millennium Management LLC now owns 1,145,506 shares of the company’s stock worth $20,631,000 after buying an additional 613,251 shares during the period. Finally, Sofinnova Investments Inc. purchased a new stake in Edgewise Therapeutics during the 2nd quarter valued at $8,567,000. About Edgewise Therapeutics ( Get Free Report ) Edgewise Therapeutics, Inc, a biopharmaceutical company, discovers, develops, and commercializes therapies for the treatment of muscle disorders. Its lead product candidate, EDG-5506, an orally administered small molecule that is in Phase II clinical trials, designed to address the root cause of dystrophinopathies including Duchenne muscular dystrophy and Becker muscular dystrophy. Recommended Stories Receive News & Ratings for Edgewise Therapeutics Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Edgewise Therapeutics and related companies with MarketBeat.com's FREE daily email newsletter .
Neal Maupay: Whenever I’m having a bad day I check Everton score and smile