Dear Reader,
If you operate a standard checking or savings account, your money could be moved onto a new government-controlled network called FedNow.
The Fed is calling it a "speed upgrade" for the banking system.
They are telling banks …
"Join our new FedNow network and your customers will be able to send and receive money in seconds. Any time. Any day. Holidays included."
No wonder over 1,500 banks and credit unions have already signed on.
But here's what nobody's talking about …
For the first time in history, every single transaction moving through the US banking system will pass through one centralized "Fed-controlled" hub …
Silently tracking every purchase, transfer, bill payment and donation you make.
Currently, $2 TRILLION worth of transactions go through the traditional network every single day. But soon, it will be funneled through the new network that the Federal Reserve has built, operates and can see in real time.
That's the part buried in the Federal Reserve Docket No. OP-1670.
In fact, on page 84 of the 93-page document, they admit that it will make it easier to track the spending of Americans.
That's why I've put together 4 steps to "Fed proof" your savings before FedNow grants them complete control over your savings.
Discover the 4 simple steps here.
Good luck and God bless!
Martin D. Weiss, PhD
Weiss Ratings Founder
P.S. I've been watching government moves into personal finance for over 50 years. Cyprus savers didn't see it coming in 2013. Canadian truckers didn't see it coming in 2022. Don't let FedNow catch you off guard. See the 4 "Fed proof" steps before it's too late.
Comfort Systems: Strong Earnings and the Case for a Split
Authored by Chris Markoch. Originally Published: 2/27/2026.
Key Points
- Comfort Systems stock is capitalizing on hyperscale AI data center construction, with technology customers now driving nearly half of total revenue.
- A record $11.9 billion backlog suggests demand visibility extending several years as AI infrastructure spending accelerates.
- Strong free cash flow, minimal debt, and rapid earnings growth position FIX stock as both a growth and capital-return story.
- Special Report: [Sponsorship-Ad-6-Format3]
Comfort Systems USA Inc. (NYSE: FIX) entered its Q4 2025 earnings report with a high bar — and cleared it comfortably. Revenue totaled $2.65 billion, up 41.7% from $1.87 billion in Q4 2024. Adjusted earnings per share (EPS) nearly tripled, rising from $4.09 to $9.37. For the full year, revenue was $9.10 billion, up nearly 30% from 2024, and EPS reached $28.88, nearly double the prior year's $14.60.
Those results pushed FIX stock to an all-time high; although it has given back some gains since, it remained more than 50% higher year-to-date as of late February.
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When a company delivers results like that, the next question investors ask is: what comes next? The encouraging answer for FIX shareholders is that additional growth appears likely.
Data Centers Are Creating a New Vertical
Comfort Systems' explosive growth is driven largely by one source: technology customers, who now account for 45% of total revenue. That makes technology the company's largest segment by a wide margin, compared with manufacturing at 22.1% and healthcare at 8.9%.
To put that in perspective, five years ago Comfort Systems was generating roughly $680 million to $780 million per quarter — about $2.8 billion annually. It now produces that amount in a single quarter. That kind of step-change doesn't happen by accident.
The primary catalyst is the buildout of artificial intelligence (AI) infrastructure. Hyperscalers are investing at historic rates to construct and expand data centers, and these facilities demand sophisticated HVAC, electrical, and mechanical systems to manage extreme heat loads from GPU clusters.
That work aligns directly with Comfort Systems' expertise. The company's revenue by activity type tells a complementary story: new construction rose from 56.7% of revenue in 2024 to 63.2% in 2025, reflecting a significant amount of greenfield data center work flowing through the business.
Perhaps most telling is the backlog. At year-end 2025 Comfort Systems reported a backlog of $11.94 billion — nearly double the $5.99 billion at the end of 2024 and up sharply from $9.38 billion just one quarter earlier. That sequential growth signals demand isn't just strong today; it's accelerating.
Earnings reports from the hyperscalers and NVIDIA Corp. (NASDAQ: NVDA) indicate this trend is likely to continue for several years, and that strength is filtering down to companies like Comfort Systems that provide essential infrastructure for these facilities.
Aggressive Growth and a Surprisingly Solid Income Story
Comfort Systems isn't just a growth story. Over the past five years the company's dividend has grown more than 470%, and the payout has increased for 13 consecutive years. The current yield looks small (around 0.17% in late February), but that's largely a function of how dramatically the stock price has risen.
A more meaningful metric is the payout ratio, which sits just above 8%. With full-year free cash flow exceeding $1 billion in 2025, the dividend is very well covered. The company is using its cash generation to reward shareholders while continuing to invest aggressively in growth.
The balance sheet backs that up. Cash increased from $549.9 million at the end of 2024 to $981.9 million by year-end 2025. Working capital more than tripled, from $207.5 million to $716.7 million. Total debt of $145.2 million is modest relative to equity of $2.45 billion. Comfort Systems enters 2026 with financial flexibility that most companies would envy.
Could FIX Stock Be Ready for a Split?
Whenever a stock climbs above $1,000, the stock-split question arises. A split doesn't change a company's valuation, but it can matter psychologically: very high share prices can be perceived as less accessible by retail investors.
That concern is more relevant given valuation metrics. The company's price-to-earnings (P/E), price-to-sales (P/S), price-to-book (P/B), and price-to-earnings + growth (PEG) ratios are all higher than the S&P 500, the company's own historical levels, and the average for the construction sector — and not by a small margin.
Bulls will note Comfort Systems' growing free cash flow yield and earnings yield and argue the company can grow into its current multiple given the scale and duration of the data center construction cycle. That argument has merit. Still, a split would at minimum signal management's confidence and keep the stock more accessible to a broader base of retail shareholders.
The bar for Comfort Systems isn't going to get any lower. In 2026 the company will be compared against a year in which it nearly doubled EPS and grew revenue by 30%. Meeting or exceeding those targets will depend heavily on whether the data center buildout continues at its current pace. By all available evidence, it will.
Workday, Seriously, It's Time to Buy This SaaS Leader
Authored by Thomas Hughes. Originally Published: 2/26/2026.
Key Points
- Workday is on track to hit multiyear lows amid a fear-driven sell-off; its stock oversold to deep value territory.
- AI disruption fears are overblown; this company is growing and cementing itself as an AI automation leader.
- Institutions buy as price action declines, and even analyst trends reveal the value.
- Special Report: [Sponsorship-Ad-6-Format3]
Workday's (NASDAQ: WDAY) stock decline did not end with its Q4 2025 earnings report; the shares fell to multi-year lows, creating a more attractive entry point for investors. While guidance missed consensus and AI disruption fears persist, the miss was small, guidance remains broadly solid, and disruption may not unfold the way the market expects.
AI-first firms may try to move into Workday's territory by turning models into full HR and finance software. Incumbents like Workday, however, are embedding AI into their existing platforms. Because they're already deeply integrated into enterprise workflows and data, they may be harder to displace than many investors fear.
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The analyst response to the earnings release was largely negative. Jefferies downgraded the stock to Hold and several firms trimmed price targets, pointing to the abrupt CEO change: co-founder and Executive Chairman Aneel Bhusri is returning to lead the company through its next phase.
Workday Accelerates Growth and Profitability in Q4 2025
Workday delivered a solid Q4, with revenue growth accelerating sequentially to 14.5%. Revenue of $2.53 billion beat MarketBeat's reported consensus by 40 basis points, driven by subscription strength, which rose 15.7% year over year. That momentum carried through to the bottom line.
Margins improved meaningfully: both GAAP and adjusted operating margins widened by several hundred basis points. A 420-basis-point improvement in adjusted operating margin produced a 32% increase in operating income and a 28% increase in adjusted earnings — roughly 650 basis points better than expected.
Guidance was the main disappointment, as Q1 and full-year 2026 revenue forecasts missed consensus. Still, the company projects 13% topline growth in Q1 and about 12.5% for the year, with an adjusted operating margin that remains healthy. The initial price reaction may reset the stock, but it is unlikely to persist. WDAY's consensus targets sit roughly 100% above current critical support levels, and even the low end of analyst ranges implies upside.
Institutional Support and Share Buybacks Underpin WDAY Rebound Outlook
Two drivers that support a potential rebound are capital returns and institutional ownership. Workday's capital returns come exclusively from share repurchases, which steadily reduce the share count and are accretive over time. 2025 buybacks lowered the share count by roughly 0.4%, a modest but positive contribution to shareholder leverage.
Institutional holders own more than 90% of the stock and have been net buyers for seven consecutive quarters, including the first two months of Q1 2026. Net flows in Q1 were about $1.15 bought for each $1 sold — modest, but trending bullish. The ramp in buying to offset selling suggests institutions may continue to add shares despite the tepid guidance.
Workday's balance sheet reflects the effects of buybacks, acquisitions, and growth investments but shows no red flags. Cash is healthy and flat year over year. While liabilities increased and equity contracted, leverage remains light — roughly two times cash and under 0.5 times equity — leaving room to reduce debt and strengthen the balance sheet through 2026.
Catalyst for Workday Stock: Yes, They Exist
Potential catalysts for Workday in 2026 include continued revenue growth, improving cash flow, and the possibility of outperformance versus current guidance. The company flagged macro uncertainty and longer deal-closing timelines, but the likeliest outcome is that Workday outperforms quarterly, prompting upward guidance revisions and a rebound in analyst and market sentiment. Trading near $115, WDAY is at levels not seen since the depths of the COVID‑19 panic, making a rebound from these new lows a reasonable expectation.
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