What to Expect this Week: 7/28

Welcome!

A big shoutout to all of our new subscribers. A very big week in earnings this week so this will be a little bit of a longer post. We are going to be looking at some companies that earnings this week and highlight some notable achievements or developments from the past few months that stand out. Also an analysis of their financial outlook for the upcoming year (2025) based on available data. Finally, we will share our take on whether the stock might be a good buy.

Weekly Earnings Spotlight: July 28- August 1st, 2025

Monday June 28th: Waste Management (WM),

Tuesday July 29th: Paypal (PYPL), Boeing (BA), Proctor & Gamble (PG)

Wednesday July 30: Meta Platforms (META), Microsoft (MSFT), Robinhood (HOOD)

Thursday July 31st: Apple (APPL), Amazon (AMZN)

Friday August 1st: Exxon Mobil (XOM), Chevron (CVX)

Boeing (BA)

Recent Highlights:
Boeing has faced a turbulent year, navigating production slowdowns, regulatory scrutiny, and ongoing supply chain challenges. The company recently confirmed that deliveries of its 737 MAX aircraft have been impacted by a series of quality control inspections, causing delays for airlines awaiting fleet expansion.

On the positive side, Boeing’s defense and space division has been a bright spot, securing new U.S. government contracts totaling more than $5 billion year-to-date. International demand for widebody jets like the 787 Dreamliner has also started to recover as global travel rebounds.

The company has made significant progress in ramping up 737 MAX deliveries, hitting the FAA-approved production cap of 38 jets per month and aiming to increase to 42 units pending regulatory approval. Strong delivery numbers and an improving production pipeline support a positive medium-term outlook.

However, execution risks remain, including ongoing FAA reviews of Boeing’s supply chain and factory performance Additionally, while Boeing plans to deliver 75–80 Dreamliners this year, supply chain complexities could impact targets.

Financial Guidance:

Boeing is showing signs of recovery in 2025, with improved operational performance and a positive market response. Revenue estimates for the year range between $81 billion and $92.7 billion, reflecting optimism fueled by strong delivery momentum and continued easing trade tensions that we will mention below. While the company is still expected to report a loss per share of approximately $1.61 for 2025, this marks a significant improvement from the substantial losses seen in prior years, with some analysts anticipating a return to profitability in 2026.

Boeing has delivered 280 aircraft as of mid-2025, with plans to increase 737 MAX production from 38 to 42 jets per month, pending FAA approval. Despite a negative free cash flow of $2.3 billion reported in Q1, the company looks for positive cash flow in the second half of the year as deliveries and operational efficiency are set improve due to recent trade deals. However, investors should remain cautious of risks including ongoing FAA regulatory reviews, potential geopolitical tensions such as U.S.-China trade disputes, and supply chain challenges that could impact production and delivery schedules. Overall, Boeing is on a positive trajectory but faces key execution and external risks that will influence its financial outlook and stock performance.

Stock Outlook:

Boeing shares have rebounded strongly in 2025 and are currently trading around $233, up about 29% year-to-date. The company appears well-positioned for growth, provided it continues to improve production and successfully navigates regulatory and geopolitical challenges. A big reason we are so bullish on Boeing is the Trump administrations ability to include Boeing planes in trades talks as of recent. The recent deal with Japan included a deal to purchase 100 Boeing planes. Before that, the UK trade deal included a pact that British Airways would purchase 32 Boeing Dreamliner’s. This is very Bullish for the future of Boeing, which is seeing an increased demand for its planes and is being backed by the Trump administration. The deal with Qatar also included a purchase of 160 Boeing widebodies, which would bring in 96 billion dollars in revenue. While we do not currently hold any Boeing shares, we plan to initiate a position ahead of the upcoming earnings release based on these recent deals and hopefully strong future outlook. We are particularly optimistic about Boeing’s defense and space divisions as well, which we believe represent key growth areas for the future.

Meta Platforms (META)

Recent Highlights:
Meta continues to aggressively invest in its AI infrastructure, committing billions of dollars toward expanding its data centers and developing custom AI chips to power its vast platforms. CEO Mark Zuckerberg recently teased significant AI-driven features set to launch on Instagram and Facebook Messenger later this year, underscoring the company’s strategy to integrate artificial intelligence deeply into its core products.

Meanwhile, advertising revenue remains robust, with Q1 ad sales showing double-digit growth compared to the previous year. Despite these strong financial results, Meta faces increasing scrutiny from regulators in both the U.S. and the European Union, who are closely monitoring the company’s expanding AI capabilities and overall market influence. These regulatory pressures could pose challenges for Meta’s product rollouts and monetization strategies going forward.

Financial Guidance:

Wall Street analysts now project Meta’s earnings per share (EPS) for Q2 to be approximately $5.83, with revenue expected to exceed $42-45 billion. The company’s capital expenditures remain elevated as Meta continues to aggressively expand its AI infrastructure, underscoring its commitment to long-term growth and innovation. Investors and analysts will also be closely monitoring developments in Meta’s Reality Labs segment, which includes its augmented and virtual reality (AR/VR) initiatives. Although the division currently operates at a loss, there is growing optimism that these losses will narrow as Meta hones its AR/VR product lineup and achieves early market traction in these emerging technologies.

Stock Outlook:
As of late July 2025, Meta Platforms (META) is trading around $712.68 per share, with average analyst price targets near $760, reflecting strong confidence in the company’s growth prospects. Several firms have set higher targets, including Canaccord Genuity at $850 and Cantor Fitzgerald at $828. Meta’s aggressive investment in AI infrastructure has driven robust growth, with expected Q2 2025 revenues of approximately $44.8 billion—up 15% year-over-year—and net income around $15.2 billion, or $5.89 per share. AI-powered advertising tools like Advantage+ and Andromeda have significantly boosted engagement on platforms such as Instagram Reels and Threads, fueling a 14.6% increase in ad revenue. Despite these positive trends, Meta faces regulatory challenges, including an ongoing FTC antitrust trial related to its acquisitions of Instagram and WhatsApp, which could affect future growth strategies.

Overall, we continue to remain bullish in Meta, which has been a core holding in our portfolio for some time. Zuckerberg has shown that he is willing to put all of his eggs in one basket when it comes to the future of AI within Meta. He recently poached executives and experienced AI engineers from around the world to come and work for Meta at a high price to compete with the largest competitors like OpenAI and xAI. We view META as a long-term position, as the company’s leadership in digital advertising and its massive investments in AI position it for sustained growth. With its dominant platforms and ongoing innovation, Meta isn’t going anywhere anytime soon, making it a cornerstone of our long-term strategy.

Apple (AAPL)

Recent Highlights:
Apple is continuing its strategy of diversifying production outside of China, ramping up iPhone manufacturing in India and expanding iPad, Mac, and Watch production in Vietnam to mitigate the impact of U.S. tariffs. Still, analysts estimate Apple faced roughly $900 million in tariff-related costs during the June quarter, weighing on margins by about 130 basis points .

On the AI front, investor concern remains high. Needham’s Laura Martin notes that Apple lags one to two years behind rivals like Microsoft and Google in generative AI innovation, with limited clarity around a comprehensive AI roadmap. Internal reports suggest some Apple employees believe in-house generative AI models are significantly behind those of major competitors. Further exacerbating the challenge, the recent resignation of foundation models leader Ruoming Pang and several key AI researchers to Meta has been described internally as an “earthquake” for Apple’s AI efforts.

At WWDC 2025, Apple rolled out incremental updates—including the Foundation Models API, Genmoji, visual intelligence enhancements, and a refreshed Liquid Glass design system but failed to showcase substantial AI leaps, drawing critical reviews from analysts for lackluster innovation and delayed Siri upgrades.

There is a potential strategic pivot on the horizon: Apple is reportedly finalizing a deal to integrate Google’s Gemini model into its Apple Intelligence platform by mid‑2025, which could significantly enhance Siri’s capabilities if fully deployed

Questions remain around Apple’s AI roadmap — with some analysts saying the company is “one to two years behind” rivals like Microsoft and Google in generative AI features. Investors will be keen to hear if Apple unveils any AI-driven software or hardware updates.

Financial Guidance:
Apple’s fiscal Q2 results delivered strong performance, with revenue reaching $95.4 billion, up roughly 5% year-over-year, and diluted EPS coming in at $1.65, an 8% increase and a record for the March quarter. Services revenue climbed to a new high of $26.6 billion, growing 12% year-over-year, driven by strong performance across the App Store, Apple Music, and iCloud. Looking ahead, Wall Street anticipates Q3 earnings, set to be reported on July 31, 2025, will show revenue of about $89.1 billion, reflecting low- to mid-single-digit growth from last year. EPS is expected to come in near $1.43, down from Q2’s $1.65, with management guiding for gross margins in the 45.5% to 46.5% range after accounting for approximately $900 million in tariff-related costs.

Stock Outlook:
Apple shares are currently trading in the $213–214 range, down nearly 14% year-to-date and underperforming the broader market, with the S&P 500 up around 8–9% over the same period. Tom Lee, one of the largest investors in the world said that “Apple has been quietly ready to paunch on AI, and will surprise people. There have been rumors that Apple would make an offer to acquire a major AI company, but will not overpay. Apple has an upcoming Apple Intelligence feature coming out, as it decides to position their business model not to win the AI race on the surface, but to slowly build an AI model that their users trust through slow integration throughout their products. Right now 80% of the revenue for Apple is their hardware, and it seems as if they will play the slow game to this AI chase. We view Apple as a strong long-term holding in our portfolio. With the stock down roughly 14% year-to-date, we see the pullback as a potential buying opportunity, given Apple’s status as a multi-trillion-dollar company with a proven track record of innovation and continued growth ahead.

SoFi Technologies (SOFI)

Recent Highlights:
SoFi Technologies has continued its evolution from a niche student loan refinancer into a full-scale fintech platform, expanding its reach across lending, banking, and technology services. In Q1 2025, the company posted adjusted net revenue of $771 million, up more than 20% year-over-year, and marked its sixth consecutive quarter of GAAP profitability with EPS of $0.06. Membership growth remains one of SoFi’s strongest drivers, with the platform adding 800,000 new members in the quarter, bringing the total to 10.9 million — a 34% jump year-over-year. Total products on the platform surged to 15.9 million, up 35%, fueled by strength across personal, student, and home loans.

The company’s Technology Platform, which includes Galileo and Technisys, also continues to scale, contributing $103 million in revenue and adding new partnerships across sectors including hospitality and Latin America. SoFi is also expanding strategically, announcing plans to re-enter the crypto market later in 2025 with digital asset trading and custody, as well as launching private-market funds that offer retail investors exposure to companies like OpenAI and SpaceX — moves that aim to broaden engagement and diversify revenue streams.

Financial Guidance:
For full-year 2025, SoFi is guiding for adjusted net revenue of $3.23–$3.31 billion, implying growth of 24–27% from last year, and adjusted EBITDA of $875–$895 million. EPS is expected to land in the $0.27–$0.28 range as the company continues to scale profitably. Lending remains a key growth engine, with personal loans up 69%, student loan originations climbing 59%, and home loans up 54% year-over-year. At the same time, SoFi’s push into fee-based financial services — including its credit card, checking and savings, and investment products — is accelerating, with revenue from these services up 67% YoY to $315 million. Analysts expect the company to maintain double-digit revenue and member growth in the coming quarters, but they are also closely watching how SoFi manages macroeconomic challenges and competitive pressures in the crowded fintech landscape.

Stock Outlook:
SoFi shares are trading near $21, up meaningfully from last year but still facing volatility as fintech names contend with inflation, tariff concerns, and tighter consumer lending conditions. Analyst sentiment is cautiously optimistic: several firms maintain Buy ratings, citing SoFi’s strong member growth and diversified product mix, while others remain wary of the stock’s elevated valuation — trading near 50x forward earnings — and potential dilution from past equity issuances. Despite these risks, we view SoFi as a high-conviction long-term holding in our portfolio. With its rapid member expansion, growing technology platform, and bold moves into crypto and private-market access, we believe SoFi is positioned to become one of the most important fintech ecosystems of the next decade, offering compelling upside for patient investors.

Robinhood (HOOD)

Robinhood also reports earnings this week, which we have included below our analysis on the stock has we continue to be bullish.

We understand that many companies are reporting earnings, but we chose to focus on our favorites and share the investment thesis behind each. Follow along for new features that will be rolling out the following weeks.

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Note: OffTheTicker provides general information and opinions on markets, stocks, and ETFs for educational purposes only. We are not financial advisers, and our content does not constitute personalized investment advice. Investing involves risks, including potential loss of principal. Always consult a qualified financial adviser before making investment decisions. Past performance is not indicative of future results. OffTheTicker is not responsible for any financial losses or decisions made based on our content. All data is sourced as of July 27, 2025, and subject to change.