Grindr, one of the world’s largest dating and social networking apps for gay, with a, trans, and queer people, has fixed a security vulnerability that allowed anyone to hijack and take control of any user’s account using only their email address.

Wassime Bouimadaghene, a French security researcher, found the vulnerability and reported the issue to Grindr. When he didn’t hear back, Bouimadaghene shared details of the vulnerability with security expert Troy Hunt to help.

Hunt tested and confirmed the vulnerability with help from a test account set up by Scott Helme, and shared his findings with TechCrunch.

To reset a password, Grindr sends the user an email with a clickable link containing an account password reset token. Once clicked, the user can change their password and is allowed back into their account.

But Bouimadaghene found that Grindr’s password reset page was leaking password reset tokens to the browser. That meant anyone could trigger the password reset who had knowledge of a user’s registered email address, and collect the password reset token from the browser if they knew where to look.

Secret tokens used to reset Grindr account passwords, which are only supposed to be sent to a user’s inbox, were leaking to the browser. (Image: Troy Hunt/supplied)

The clickable link that Grindr generates for a password reset is formatted the same way, meaning a malicious user could easily craft their own clickable password reset link — the same link that was sent to the user’s inbox — using the leaked password reset token from the browser.

With that crafted link, the malicious user can reset the account owner’s password and gain access to their account and the personal data stored within, including account photos, messages, sexual orientation and HIV status and last test date.

With a leaked password reset token, an attacker could reset a user’s password, hijack their account and access their private data. (Image: Troy Hunt/supplied)

In a statement, Grindr’s chief operating officer Rick Marini told TechCrunch: “We are grateful for the researcher who identified a vulnerability. The reported issue has been fixed. Thankfully, we believe we addressed the issue before it was exploited by any malicious parties.

“As part of our commitment to improving the safety and security of our service, we are partnering with a leading security firm to simplify and improve the ability for security researchers to report issues such as these. In addition, we will soon announce a new bug bounty program to provide additional incentives for researchers to assist us in keeping our service secure going forward,” the company said.

Grindr has about 27 million users, with about 3 million using the app every day. Grindr was sold earlier this year by its former Chinese owner, Beijing Kunlun, to a Los Angeles-based company said to be led largely by Americans, following accusations that the company’s Chinese ownership constituted a national security threat.

Last year, it was reported that while under Chinese ownership, Grindr allowed engineers in Beijing access to the personal data of millions of U.S. users, including their private messages and HIV status.

You can send tips securely over Signal and WhatsApp to +1 646-755-8849 or send an encrypted email to: [email protected]

Tesla Inc, an American electric vehicle and clean energy company based in California, said on Friday that it produced just over 145,000 vehicles and delivered a record 139,300 vehicles in the third quarter, shrugging off the good news shares fell over 5% in pre-market trading.

Here are Berkshire’s highest-yielding stocks. With interest rates near 0%, investors looking for reliable yield have few viable options. Fortunately, Berkshire Hathaway (ticker: BRK.A, BRK.B) CEO and legendary value investor Warren Buffett has been one of the most steady performers on Wall Street in recent decades.

Our country is changing. But investing legend Eric Wade says there’s a huge new trend coming -and he’s revealing his #1 pick for it-for free

There’s only one thing standing between Tesla and world domination—the global supply of lithium. And that’s good news for lithium producers.

The carmaker took the wraps off a major operational and management shake-up on its CEO’s first day in the role.

Despite an ongoing pandemic and the U.S. economy barely limping along, the Nasdaq is still trading more than 50% above its March lows. The surge in tech stocks in 2020 has understandably led investors to draw comparisons to the dot-com bubble in 2000.The Nasdaq ultimately peaked at 5,048.62 on March 10, 2000. Of course, some dot-com bubble stocks have performed much better than others in the 20 years since the bubble burst.Cisco’s Past 20 Years: Without a doubt, networking technology stock Cisco Systems, Inc. (NASDAQ: CSCO) has had major difficulty returning to its dot-com bubble levels.Cisco went public way back in 1990, about a decade before the dot-com bubble. The company was the top-performing IPO of the 1990s, according to Forbes. Cisco investors likely never could have foreseen the rise of the internet, smartphones, cloud computing and many of the other dynamics that have propelled a major shift in Cisco’s business over the past 20 years.Cisco has been slowly transitioning its business from networking hardware, such as routers and switches, to high-growth businesses like cloud security and digital collaboration.Cisco reached a peak dot-com era market cap of $555.4 billion during the height of the dot-com bubble, briefly making Cisco the most valuable company in the world.Dot-Com Bubble Fallout: Cisco’s high watermark of the dot-com bubble was $146.75 back in 2000 prior to a two-to-one stock split in March of that year. When the bubble burst, Cisco shares tanked, dropping 69.7% in the year following the Nasdaq top compared to a 59.3% overall decline for the index. Unfortunately, when the Nasdaq stabilized, Cisco shares continued to struggle.Cisco’s share price hit $8.12 in late 2002 before rebounding to $29.39 in early 2004. Cisco hit its pre-financial crisis high of $34.24 in late 2007. During the sell-off in 2009, Cisco shares dropped as low as $13.61 but dropped even lower to $13.30 in 2011. The stock didn’t make it back to $30 again until 2015 and didn’t make it back to $40 until 2017.Cisco ultimately made it as high as $58.26 in 2019, but has never made it back to its split-adjusted dot-com bubble high of $73.37, even after 20 years.Cisco fell as low as $32.40 in March 2020 during the COVID-19 sell-off before rebounding to around $40 today.Cisco will forever be known as one of the quintessential dot-com bubble stocks given its market cap peaked at more than half a trillion dollars. Unfortunately, not even Cisco’s dividend payments have helped dot-com bubble investors get back to even.In fact, $1,000 invested in Cisco stock at the dot-com bubble peak would be worth about $762 today, assuming reinvested dividends.Image Credit: PrayitnoSee more from Benzinga * Options Trades For This Crazy Market: Get Benzinga Options to Follow High-Conviction Trade Ideas * ‘Nothing Short Of Stupid,’ Hedge Fund Manager Says Of Post-Split Gains In Apple And Tesla(C) 2020 Benzinga does not provide investment advice. All rights reserved.

Great customer experience (CX) sets businesses apart and promotes lifelong loyalty. So why do so many companies struggle with it?

The stock market has been raging with volatility as various market sectors have responded differently to the brief economic recession. AMC temporarily suspended its global operations in mid-March and remained closed through the second quarter ending June 30, with little to no revenue coming in.

(Bloomberg) — An industry group representing Walt Disney Co. and other theme-park operators lashed out at new guidance from California, which would only allow attractions like Disneyland to reopen under strict conditions.The organization called for changes to the rules, which haven’t been formally released yet but began to surface on Thursday. Parks would be allowed to reopen at just 25% of capacity and would have to limit visitors to people living within a certain distance, according to Carlye Wisel, an industry podcaster. They’ll also require advance reservations and mandatory face coverings.In a sign of the tensions between Disney and California, Chairman Bob Iger has resigned from the governor’s Covid-19 recovery task force, the company confirmed on Thursday. The Sacramento Bee previously reported his exit.“While we are aligned on many of the protocols and health and safety requirements, there are many others that need to be modified if they are to lead to a responsible and reasonable amusement park reopening plan,” the industry group, the California Attractions & Parks Association, said in an emailed statement.On Friday, California’s Health and Human Services department, which originally planned to release the guidelines this week, said they are now being delayed.“Given the size and operational complexities of these unique sectors, we are seeking additional input from health, workforce and business stakeholders to finalize this important frameworkall leading with science and safety,” the department’s secretary, Mark Ghaly, said in an emailed statement.The protocols are one step in the approval process for parks to reopen. Counties where the properties are located will also have to meet milestones for progress in the fight against Covid-19.Disney and other theme-park operations, such as Comcast Corp.’s Universal Studios and SeaWorld Entertainment Inc., have been pressing Governor Gavin Newsom to let them reopen. Earlier this week, 19 state legislators wrote a letter to the governor, a Democrat, saying the time had come.Theme parks in Florida, the largest market, began reopening in June and have done so without large outbreaks, according to officials in that state.Disney, based in Burbank, California, said this week it is laying off 28,000 U.S. workers in its domestic resorts operationroughly a quarter of the workforce in that division.(Updates with guidelines delay in fifth paragraph.)For more articles like this, please visit us at bloomberg.comSubscribe now to stay ahead with the most trusted business news source.©2020 Bloomberg L.P.

Devin McDermott, head of North American oil and gas research at Morgan Stanley, favors Chevron and an assortment of companies that typically focus on infrastructure such as pipelines to transport oil and gas including Magellan Midstream Partners and Enterprise Products Partners.

The traditional mix of stocks and bonds won’t work in a world of near-zero interest rates. It’s time to ponder the alternatives.

As Tuesday of this week came and went, truck drivers gained several new benefits from changes to hours-of-service (HOS) regulations. One significant change is the split-sleeper berth exception.Tuesday’s change is not technically new to the HOS regulations but rather an addition to the existing rule. Previously, drivers could utilize a split-sleeper berth exception in an 8/2 split. The new option adds a 7/3 split.It’s unclear how many drivers utilized the provision before, and it’s even more uncertain how many will use the new option.Inside hours-of-service changes: How driver productivity, safety benefitAdjustments to the 30-minute break and split-sleeper use could boost driver productivity and reduce violations.Click to read moreIf the driver is properly trained on the split-break exception and is using an ELD (electronic logging device) that has split logging built into its rule set, the odds of the driver making an error and receiving a citation are fairly low,” Tom Bray, transport industry consultant for J. J. Keller & Associates Inc., told FreightWaves this summer. “Another way to put it is that using an ELD with the split-logging exception can prevent violations if a carrier allows its drivers to take advantage of the flexibility split logging provides.Drivers using the split would be able to taketheir required 10 hours off duty in two periods, provided one off-duty period (whether in or out of the sleeper berth) is at least two hours long and the other involves at least seven consecutive hours spent in the sleeper berth,” the Federal Motor Carrier Safety Administration (FMCSA) said.Neither period can count against the 14-hour driving window. Many drivers did not benefit from the 8/2 rule because of its complexity, but the addition of a 7/3 option may be more enticing. It could, however, further confuse drivers who previously struggled with 8/2 split compliance. Annette Sandberg, CEO of TransSafe Consulting and former administrator of the FMCSA, told FreightWaves the new rule adds complexity for drivers.The new split sleeper is even a bit more complicated than the earlier rule, mostly because a driver does not have to count either the long sleeper berth period or the shorter break in their daily 14-hour calculation,” she said. ELDs should have been programmed for the change, Sandberg said, but “each ELD manufacturer likely has their own twist on how they would notify a driver of a violation or how their hours are being calculated.”In a 2018 webinar, noted safety expert John Seidl explained how the 8/2 split could be used, and the same theory applies to the 7/3 split. According to Seidl, a driver who starts his day at 7 a.m. would start his 14-hour clock. Using one hour of on-duty, non-driving time would reduce the 14-hour window but not the 11 hours of drive time. At 8 a.m., the driver starts driving and drives until 1 p.m. He has now used five hours of the 11-hour drive time and six hours of the 14-hour clock. At this point, the driver takes an eight-hour break in the sleeper berth. This time, taken in the sleeper, effectively stops the 14-hour clock. At 9 p.m., the driver gets back into the driver’s seat and still has six hours of available drive time and eight hours on the 14-hour clock. Six hours of driving takes the driver to 3 a.m., when two hours of off-duty time would satisfy the 10-hour break required under FMCSA rules.OOIDA Foundation explains how to use split sleeper provision FMCSA continues to study ways to make a split-sleeper provision more beneficial for drivers. In August, the agency published a proposed Split Duty Pilot Program in which participating truck drivers would have the option to pause their 14-hour driving windows with off-duty periods lasting between 30 minutes and three hours. This is a separate initiative from Tuesday’s changes.Sandberg noted potential problems drivers could face with the new changes include compliance issues if a driver relies on an ELD for managing hours and the device manufacturer has either not programmed in the changes or done so incorrectly. Secondly, drivers who do not have a sleeper berth can’t use the split-sleeper provision even if they are on the road for days at a time.I suspect some drivers will simply try to record time as sleeper even though they do not have a sleeper berth,” she said. “Also, you cannot use the new sleeper berth rule to try to extend your 14-hour day [when] the longer of your two breaks is ‘off duty.The longer of the two breaks must be in the sleeper berth.Sandberg said drivers and carriers should request specific documentation from their ELD providers to understand how their systems calculate the rules and how they warn the driver of a potential violation before it happens. Carriers need to ensure all drivers are trained in the provision, she added.I used to say you are always better off just taking a solid 10 [hours] off duty and then you don’t have to worry about making a mistake and being put out of service,” Sandberg said. “However, I understand that for drivers out on the road, this new provision will help them by getting rest with the shorter break and then they can still get the rest they need with at least seven hours in the sleeper.The big thing is if a driver wants to use the new rule to extend their 14-hour window – make sure the longer break is in the sleeper and the two breaks together equal 10 hours,” she added. “They still are not allowed to exceed 11 hours of drive time and they need to be watching how their drive time is calculated within that 14-hour window.Click for more FreightWaves articles by Brian Straight.You may also like:FMCSA issues final driver HOS ruleThe 8/2 split sleeper and the future of hours flexibilityInside hours-of-service changes: How driver productivity, safety benefit See more from Benzinga * Options Trades For This Crazy Market: Get Benzinga Options to Follow High-Conviction Trade Ideas * Q4 Begins With Rates Up 28% Year-Over-Year * Real Estate Roundup: Warehouse And Distribution Demand Soars, So Does Community Opposition(C) 2020 Benzinga does not provide investment advice. All rights reserved.

The top electric vehicle manufacturers reported strong vehicle deliveries in the third quarter. Friday brought delivery numbers from EV pioneer Tesla Inc (NASDAQ: TSLA), and two of China’s rising startups, Li Auto Inc. (NASDAQ: AT THE) and Nio Inc – ADR (NYSE: NIO).Given that Tesla doesn’t break down monthly figures, here’s how each of these companies fared in the quarter. Strong Across-The-Board EV Delivery Growth: Reflecting the solid interest in EVs, each of the companies reported strong double-digit quarter-over-quarter growth.Tesla sells globally, while Nio and Li’s sales are confined to the Chinese market. It should also be noted that Tesla does not issue a geographic breakdown of delivery numbers. Sequentially, Tesla’s growth outdid that of its Chinese rivals.Yet the strong increase should be taken with a pinch of salt. Pressured by factory shutdowns and the COVID-19 impact on consumers, Tesla’s deliveries declined about 6.5% year-over-year in the second quarter.Tesla’s production stood at 145,036 units in the third quarter. China was a major source of strength this quarter, Wedbush analyst Daniel Ives said in a note.At the same time, Nio began seeing a turnaround from the COVID-19 impact toward the end of the first quarter, which culminated in the Chinese company reporting record deliveries of 10,331 vehicles in the second quarter.What’s Next: Following the record third-quarter deliveries, Tesla remains on track to hit its 500,000-vehicle delivery goal for 2020, Ives said.Model 3 demand in China has spiked, especially since Tesla began making the model at its Shanghai Giga.The company is going all-out to ride the Model 3 momentum, and it recently cut the price of the standard range and long-range versions of this model.The price cuts have produced the intended results, as reports suggest Model 3 demand has spiked in response.For Nio, it has been an steady improvement. With the EC6 SUV that Nio began shipping last week, Nio’s sales trajectory is only improving.Nio’s favorability with customers has been increasing, and this bodes well for the company, Deutsche Bank Securities analyst Edison Yu said in a recent note.The analyst predicted record deliveries not only for the third quarter but also the fourth.EV Price Action: Despite churning out record numbers, the shares of Tesla and Nio were lower in Friday’s trading. The weakness is partly attributable to negative broader market sentiment.At last check, Tesla shares were trading down 6.51% to $418.97 and Nio was shedding 1.98% to $21.33.Li Auto shares were trading 1.01% higher at $16.97.Related Links:Tesla Analyst: China ‘Star of the Show,’ Automaker Set To Beat Q3 Delivery Forecast Why Nio Has A Shot At Becoming The ‘Tesla Of China’Photo courtesy of Nio.See more from Benzinga * Options Trades For This Crazy Market: Get Benzinga Options to Follow High-Conviction Trade Ideas * Nio Analyst Expects Blockbuster Q3, Q4 Deliveries As Premium Reputation Grows * Nio Shares Rise After EV Maker Announces Autopilot Feature, Faster Charging Options(C) 2020 Benzinga does not provide investment advice. All rights reserved.

Few industries have been hit by COVID-19 as hard as the cruise industry, but the situation may be turning around. The industry is starting to reopen, partly on customer perceptions that corona is beginning to recede, and partly on business recognition that companies cannot live on credit forever. The cruise line companies are taking precautions, and measures to improve health and prevent the spread of disease in the close quarters of a cruise ship include better ventilation systems with upgraded air filtration, simplified itineraries, and – where possible – a move toward smaller vessels. For passengers, this will likely mean forgoing buffet lines and finding smaller crowds aboard ship. For the cruise lines, it means the restart is moving slowly. For investors, of course, there is a different set of questions. Some of these were addressed by JPMorgan analyst Brandt Montour. “We continue to see value in shares for longer term investors in general, especially if one believes that operators can sail full in 2022 with only moderate pricing damage,” the analyst noted. Montour has picked out two stocks that are worth the risk, and one that investors should avoid for now. Using TipRanks’ Stock Comparison tool, we lined up the three alongside each other to get the lowdown on what the near-term holds for these cruise line players.Royal Caribbean (RCL)First up is Royal Caribbean, the world’s second-largest cruise line. RCL has not flinched from directly facing the challenges of the pandemic, putting its corporate focus on maintaining liquidity and using the ‘downtime’ of the pandemic to streamline and modernize its fleet.Back in June, that first priority led the company to renegotiate over $2.2 billion in existing debt, and more recently, management secured a binding loan commitment from Morgan Stanley for a $700 million credit facility. The facility is available for drawing any time before August of next year – and can even be extended by an additional $300 million. These moves add substantially to RCL’s cash position, and its ability to fund operations pending the revival of ticket sales.RCL has managed to stave of bankruptcy through its loan negotiations, and gives the company room to plan for resuming active cruise operations. In addition, RCL has partnered with Norwegian Cruise Lines to author a 66-page report submitted to the CDC earlier this summer, giving industry recommendations on how to restart cruises safely. Recommendations include required face coverings on board ship, daily temperature checks, and COVID testing of passengers and crew. In his latest note on RCL, JPM’s Montour makes three key observations. First, relating to the company’s ability to quickly restore ships to service, he says, “RCL’s current lay-up position should allow it to restart ‘relatively quicklybut with moderately slow/measured capacity ramp from there.”Moving on to the company’s prospects for bringing customers on board, Montour points out that “RCL believes that the lift in financial markets has helped its core customer feel relatively confident, customers have saved up a lot of 2020 vacation money, and are willing to pay pre-COVID-19 ticket prices and better.”And finally, regarding on-board safety, Montour notes that RCL’s ships, which have a capacity for 110% occupancy, can afford to operate at 50%. He writes that the “addition of an extra entertainment show, and extra dining/seatings, will be a meaningful help in managing distancing. [The company] believes its previous investments in onboard and mobile technology will accelerate its capabilities with distancing initiatives, and it won’t have to make as many additional investments as perhaps peers.”To this end, Montour calls RCL a ‘top pickand rates it an Overweight (i.e. Buy). (To watch Montour’s track record, click here)Overall, RCL has a Moderate Buy rating from the analyst consensus, with 7 Buys, 5 Holds, and 2 Sells. The stock is currently priced at $64.04; it is a measure of how difficult this niche is right now that the average price target for the shares is only $58.08. (See RCL stock analysis on TipRanks)Norwegian Cruise Line (NCLH)The next stock is Norwegian Cruise Line, the third largest of the world’s major cruise lines. Norwegian entered the COVID crisis with some important structural advantages over its competition. Its fleet was smaller, and the vessels somewhat newer, implying lower costs for maintenance. In addition, there were no new launches scheduled until 2022, which also worked keep costs down.Like RCL above, Norwegian has also been successful on the liquidity front. As of June 30th, the company had $2.5 billion of total liquidity, and it reaffirmed its monthly cash burn target of $160 million. With a smaller fleet to maintain, this represents a short-term sustainable situation. During the downtime, Norwegian will be upgrading its ships, including the installation of HEPA filters in the ventilation systems, to meet higher health requirements. This was outlined in the company’s report to the CDC, issued jointly with RCL as reported above.Montour notes that restarting cruise activity will not be a ‘flick the switch’ option – it will take time, and it will take even more time to restore revenues and earnings. Montour writes, “Once given the green light, it will take 60+ days to get everything back up and running. From there, management expects aslow ramp-up” and a 6+ months’ time frame before the full fleet will be taking guests.”Meanwhile, Montour still likes Norwegian’s long-term prospects, as he rates the stock as Overweight (i.e. Buy).Montour represents the bullish view – Wall Street is somewhat divided on this stock. There are 11 recent reviews, 4 to Buy, 6 to Hold and 1 to Sell, making the consensus rating a Moderate Buy. The average price target stands at $17.77, which implies a modest upside of nearly 5%. (See NCLH stock analysis at TipRanks)Carnival Corporation (CCL)The third stock on our list of JPM picks is Carnival, the largest of the world’s cruise lines, and the stock that Montour recommends avoiding – at least for now.Last month, Carnival took action to address the fleet size and maintenance costs. Earlier in the summer, the company had scrapped four older vessels; in September, it announced plans to dispose of an additional 18 ships, or 12% of its total active fleet, and to delay delivery on the ships under order. It is a major cutback, made urgent by the company’s voluntary decision to maintain its cruise suspension until at least October 31. To this end, Carnival CEO Arnold Donald believes that his company can return to profitable operations. With social distancing measures in place, and vessels operating up to 50% capacity, he reassures investors that the cruise line can do better than break even. He also notes that pre-booking data shows customers are still interested in taking cruises.These are important points, made possible by Carnival’s position as the industry’s largest line operator. Montour notes, regarding bookings, “While the update on CCL’s cumulative advanced book was technically unchanged, the fact that it hasn’t further eroded (from ongoing weak bookings) is undoubtedly positive.” This is a point that will not alleviate short-term pain, but it bodes well for the longer term.Even so, Montour is not overly enthusiastic about CCL as an investment. He writes, “Our estimates bleed lower as we continue to push out our capacity and occupancy recovery assumptions, offset partially by slightly less pricing erosion in 2021. These adjustments, along with higher net debt, from the 2Q’s greater-than-expected cash burn (initial lay-up and repatriation costs), lowers our 2020 [outlook].”In line with this stance, Montour rates the stock a Neutral (i.e. Hold).Wall Street agrees with Montour on this one. The 15 reviews on CCL break down to 2 Buys, 10 Holds, and 3 Sells, making the analyst consensus a Hold. The stock has an average price target of $16.06, which implies a modest upside of nearly 6%. (See Carnival’s stock analysis at TipRanks)To find good ideas for stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.

How badly is COVID-19 hurting Americans on the cusp of retirement? In an interview, economist Teresa Ghilarducci, a professor at The New School in New York City and one of the nation’s leading experts on retirement, told me that half—that’s right, half—of Americans aged 55 and up will retire in poverty or near poverty. 80% of older Americans can’t afford to retireCOVID-19 isn’t helping More than 25 million older Americans are financially insecureliving at or below the federal poverty level.

Here’s why you need to pour vinegar on bread and leave it in the garbage can over night

Political debate swirls around the Trump tax returns. Trump reportedly paid $750 in his first year in the White House. How much did some predecessors pay?

Nvidia director Stephen Neal made a follow-up purchase of the chip maker’s shares. Nvidia stock has more than doubled this year.

As the fourth quarter began, it’s a sensible time to start lining up stocks for the coming year. The investing environment is unsettled, at the least, with the coronavirus still behaving unpredictably, the election around the corner, and a strong, but somewhat unsteady, economic recovery in progress after the summer’s sharp recessionary pressures. It’s no wonder, then, that investors welcome the professional insight of Wall Street’s stock analysts.Those analysts have been working overtime through this eventful year, and with 2021 around the corner, they are starting to point out their best ideas for the new year. We used the TipRanks database to pull up the details on three stocks which the analysts describe as their ‘top picks.Let’s take a closer look.SLM Corporation (SLM)The first Top Pick we’re looking at today, SLM Corporation, is better known as Sallie Mae. It’s a major loan company in the secondary education sector, providing financing, debt management, and servicing for student loans, both private and US government-guaranteed. The company has been a great beneficiary of the expansion of student loan programs – and the increase in college tuitions – over the past few decades.The headwinds facing the company are real. The virus pandemic forced university closures in the spring, and pushed classes to online venues in the summer and going forward to the fall. This has resulted in lower tuition charges, just as the economic disturbances have made it more difficult for loan recipients to make payments. Student loans are famously non-dischargeable through bankruptcy, but payments can be deferred – and that has been happening.With all of that, Sallie Mae started 2020 on a true high note. Revenues, and earnings, both spiked sharply upward in the first quarter, with the top line reaching $692 million and EPS coming in at 79 cents. There was an ominous sign, however, as earnings missed the forecast by 10%. That warning was borne out in Q2, when the coronavirus hit. Both revenues and earnings fell sharply. Revenues dropped by well over $300 million, and EPS turned deeply into negative territory. The EPS loss for Q2, at 22 cents, was far below the 6-cent profit expected. Wells Fargo analyst Moshe Orenbuch, rated 5-stars at TipRanks, believes that SLM has better prospects going forward should President Trump win reelection, but would still fare well under a Biden Administration. He writes, “[We] believe that SLM will rerate upward in a Trump repeat and eventually as investors realize that in a Biden presidency free public school tuition for all is a low priority with a high price tag…” Orenbuch goes on to add that SLM has a solid base in a social reality: “We think that the value proposition of graduating from college, especially for upper-middle class borrowers, entails a shoot at premium jobs/careers. As long as the vast majority of companies require college degrees, we expect little change to demand for higher education…”With solid demand as a base, and adequate prospects going forward no matter who wins in November, SLM earns Orenbuch’s Top Pick status and a Buy rating. Orenbuch gives SLM a $12 price target which suggests a 48% upside for the coming 12 months. (To watch Orenbuch’s track record, click here)Overall, SLM has a Strong Buy rating from the analyst consensus, based on 4 reviews breaking down to 3 Buys and 1 Hold. The shares are selling for $7.97, and their average price target of $9.33 indicates room for a 17% one-year upside. (See SLM stock analysis on TipRanks)Booking Holdings (BKNG)The next stock on our Top Picks list is a holding company. Booking Holdings is a leader in the online travel sector, with subsidiaries providing ticketing, bookings, and other travel services worldwide. Booking Holdings operates in 220 countries and 40 languages, and last year customers used the service to book 7 million airline tickets, 845 million hotel room nights, and 77 million car rental days. The company’s best-known brands are and Priceline.As can be imagined, the travel restrictions put in place to combat the corona pandemic put a damper on BKNG’s business. This was reflected in the financial results; revenues and earnings plummeted in the first half of the year, with the Q2 results getting as low as $630 million at the top line. Earnings for the second quarter were even worse, at a net loss of $10.81. While the stock has partially recovered from the mid-winter market slide, it is still down 15% so far this year.Covering this stock for Cowen, analyst Kevin Kopelman sees Booking Holdings in a good place compared to its competition. He writes, “BKNG gained share vs the overall Hotel industry this summer (est Aug rev -45%, vs -55% for global industry), driven by large selection of Alternative Accommodations and strong position in Europe Leisure Travel. While Europe has become a short-term negative in Sep (est BKNG falling to -50%, global Hotel flattening at -55%), BKNG has nevertheless shown it is relatively well-positioned.”Looking at the travel and leisure sector as a whole, and reflecting on BKNG’s current status, Kopelman adds, “While bad news may not be over, we think this [price] represents a buying opportunity.”To this end, Kopelman selected BKNG as his top pick. The analyst rates the stock an Outperform (i.e. Buy) along with a $2000 price target. This figure suggests a 15% one-year upside potential. (To watch Kopelman’s track record, click here)Overall, with 11 Buys and 10 Holds set in recent weeks, Booking Holdings gets a Moderate Buy rating from the analyst consensus. Shares are selling for $1,700, and the average price target of $1,915 implies a 12% upside from current levels. (See BKNG stock analysis on TipRanks)Dynatrace, Inc. (DT)Last but not least is Dynatrace, an AI software company in the cloud sector. The company’s platform is designed to monitor and manage system architecture and cloud software as an all-in-one tool, giving network managers everything needed to minimize system strain and tag problems in one place.In these days of the ongoing corona crisis and a mass shift to remote working and virtual office spaces, Dynatrace’s product line has become more valuable than ever. This is clear from the company’s share performance – DT has only been trading publicly since August of last year, but in that time the stock has gained 71%.The quarterly results show this, too. The company’s first profitable quarter was Q4 of last year, and revenues continued to grow sequentially in Q1 and Q2 this year. In Q2, the top line was reported at $155 million, with EPS of 9 cents. The earnings beat the forecast by 80%. Not many companies have shown sequential revenue and earnings growth throughout the pandemic period – it’s a clear sign of strength for Dynatrace.Kash Rangan, 5-star analyst from Merrill Lynch, has chosen DT as his top pick, and explains why in a detailed note: “We walked away incrementally positive post the company’s first analyst day that was hosted virtually. It re-affirmed our view that Dynatrace has a highly differentiated technology, addressing a large and growing market ($30bn+), with a durable and balanced business model. Now that the move to the new platform and recurring revenues has been completed, in our view, DT can accelerate execution on becoming even more strategic with Global 15,000 customers (each with $1bn+ in revenues), which face increasingly complex multi-cloud environments.”Accordingly, Rangan gives DT shares a Buy rating, with a $50 price target that implies a 20% upside for the year ahead. (To watch Rangan’s track record, click here)All in all, Dynatrace has a Strong Buy analyst consensus rating, based on 10 Buys and 2 Holds from recent reviews. The stock’s $48.91 average price target suggests room for 17% upside growth from the current share price of $41.81. (See Dynatrace’s stock analysis at TipRanks)To find good ideas for stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.

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Tesla Inc (NASDAQ: TSLA) sales in China, the world’s largest electric vehicle market, may fizzle out by 2030, Morgan Stanley (NYSE: MS) analyst Adam Jonas said in an interview with Yahoo Finance.What Happened: The Elon Musk-led company may see its sales drop to zero by the end of next decade, Jonas told Yahoo Finance.We have China sales peaking [in the] middle of the decade and then going downand then eventually nothing after 2030,the analyst said.Tesla and other OEMs will have to find a solution outside of China because they won’t be able to compete in the way they are today.The analyst theorized that the fall in sales in China would be due to future autonomous vehicle systems and the fragile relationship between the United States and China.He said just as it was inconceivable that a Chinese internet of cars autonomous network would be allowed to operate in Boston, similarly, the idea a U.S. vehicle network could be placed in China was afallacy.”Why It Matters: Chinese EV manufacturers are already downplaying the impact of Tesla in the domestic market.Baidu Inc (NASDAQ: BIDU)-backed WM Motor Co’s CEO Freeman Shen likened the Palo Alto EV maker to Apple Inc (NASDAQ: AAPL) saying “[They] educate the whole market.Shen pointed out however that Apple’s market share has been eroded by local players such as Xiaomi Corporation (OTC: XIACF) and Oppo and a similar fate awaits Tesla in the coming decade, Bloomberg reported.Even Tesla’s ,000 vehicle to be released in three yearstime is not a concern for Chinese manufacturers. Xpeng Inc (NASDAQ: XPEV) Vice Chairman Brian Gu said his company’s mid-range vehicles are already at that price point, as per Bloomberg. Homegrown EV firms are seeing robust demand as Warren Buffett-backed BYD Auto Co. Ltd, a unit of BYD Company Limited (OTC: I WILL) said orders for its newly launchedHanrange of vehicles exceeded 40,000 units in just two months of launch since July. Price Action: Tesla shares closed nearly 4.5% higher at $448.16 on Thursday and fell 1.2% to $442.80 in the after-hours session.Latest Ratings for TSLA DateFirmActionFromTo Sep 2020BairdMaintainsNeutral Sep 2020Canaccord GenuityMaintainsHold Sep 2020Deutsche BankUpgradesHoldBuy View More Analyst Ratings for TSLA View the Latest Analyst Ratings See more from Benzinga * Options Trades For This Crazy Market: Get Benzinga Options to Follow High-Conviction Trade Ideas * Tesla Slashes China-Made Standard, Long Range Model 3 Prices * Medtronic Faces Federal Probe Over Causing Ventilator Shortage During Pandemic: WSJ(C) 2020 Benzinga does not provide investment advice. All rights reserved.

Since 2019, the healthcare sector has been bracing for the wild ride that would be the election year. However, according to some Street pros, 2021 is looking a lot like 2009, and this could actually be a good thing for the space.“[We] think 2021 will play out very similarly to 2009 for the health care sector. If in fact the political prediction markets are correct and Democrats seize control of the presidency and the U.S. Senate, the rhetoric on changes to health care policy exceeds the reality of what can be accomplished,” UBS healthcare strategist Eric Potoker noted.Potoker points out that the 2009 passage of the Affordable Care Act (ACA) had a muted effect on the industry, with demand for products and services rising due to expanded health coverage. Healthcare stocks reaped the benefits of this between 2009 and 2015, and the space outperformed the rest of the market.To this end, Potoker believes 2021 will play out in a very similar way, and therefore, is pointing to the healthcare space as a must-watch area of the market.Using TipRanks’ database, we scanned the Street for compelling yet affordable plays within the healthcare sector. Locking in on three trading for less than $5 per share, the platform revealed that even with the risk involved, all three have scored overwhelmingly bullish analyst support, enough to earn a “Strong Buy” consensus rating. What’s more, each boasts a massive upside potential.Kintara Therapeutics (KTRA)Working to meet the needs of patients who are failing or resistant to current treatment regimens, Kintara Therapeutics focuses on developing cutting-edge cancer therapies. Based on its diverse oncology-focused pipeline and $1.40 share price, some members of the Street believe the share price reflects an attractive entry point.Aegis analyst Nathan Weinstein cites the company’s two differentiated, late-stage oncology assets as the primary components of his bullish thesis. These candidates are VAL-083, a small molecule chemotherapeutic agent for the treatment of glioblastoma multiforme (GBM), a highly lethal brain cancer with a 95% five-year mortality rate, and REM-001, a phototherapy designed for the treatment of cutaneous metastatic breast cancer (CMBC).Looking at the former, Weinstein highlights the fact that VAL-083 affects DNA in a different way than the current standard of care, temozolomide (TMZ). “We think VAL-083 could show relative benefit, particularly in MGMT-unmethylated patients. Two thirds of GBM patients have an unmethylated MGMT promoter,” the analyst noted.The MGMT repair enzyme has been found to correct the damage to DNA caused by TMZ. However, patients with an unmethylated MGMT repair enzyme have a poor response to TMZ treatment, which bodes well for KTRA as its therapy has a different mechanism of action. “In our view, data from the ongoing Phase 2 trials presented at AACR (June 2020) are encouraging regarding overall survival (THE) and progression free survival (PFS) data vs historical controls,” Weinstein opined.As for REM-001, it has been evaluated in over 1,000 patients to-date, and thus has a “well-characterized safety profile,” in Weinstein’s opinion. Additionally, in previous CMBC trials, the asset has demonstrated robust efficacy, including 80% complete response of evaluable lesions.All of the above prompted Weinstein to comment, “We find the valuation of Kintara in the market to be compelling, as little value is being ascribed to the company, despite having two phase 3 ready oncology assets with sufficient funding in-place to reach multiple milestones ahead.”To this end, Weinstein rates KTRA a Buy along with a $6 price target. This target conveys his confidence in KTRA’s ability to climb 341% higher in the next year. (To watch Weinstein’s track record, click here)Are other analysts in agreement? They are. Only Buy ratings, 3 to be exact, have been issued in the last three months. Therefore, the word on the Street is that KTRA is a Strong Buy. Given the $4.33 average price target, shares could soar 218% from current levels. (See KTRA stock analysis on TipRanks)DiaMedica Therapeutics (DMAC)Utilizing its cutting-edge technologies, DiaMedica Therapeutics develops novel recombinant proteins to treat kidney and neurological diseases. With a price tag of $4.20 per share and potential catalysts coming up, it’s no wonder this stock is on Wall Street’s radar.Representing Craig-Hallum, analyst Alexander Nowak sees multiple value-creating catalysts on tap, noting that the company appears “chronically undervalued.” Looking ahead to Q4, DMAC will have a meeting with the FDA for DM199 in acute ischemic stroke (AIS), where break-through designation, Special Protocol Assessment (SPA), Phase 3 trial design and a Phase 3 study greenlight will be topics of discussion. DM199, DMAC’s lead candidate, is a recombinant form of the KLK1 protein (an endogenous serine protease produced in the kidneys, pancreas and salivary glands).According to Nowak, this Phase 3 study is the next major potential catalyst and could possibly lead to strategic partnership conversations. He added, “We also think a SPA that confirms exclusion of mechanical thrombectomy and large vessel occlusion and mRS/NIHSS Excellent Outcome endpoints is a big win (basically means replicate the Phase 2 study in the intent to treat population).”While the meeting will take place later than Nowak thought (he originally expected an August meeting), the delay is due to hiring an external consulting group to help with FDA communication, a “valid and sensible reason for the pushback,” in his opinion.On top of this, DM199 is being evaluated in chronic kidney disease (CKD). The Phase 2 trial enrollment was temporarily paused in Q2, but enrollment has been trending better. It should be noted that the delays have mostly been related to patients that were nervous about coming into the clinic for the initial setup during the COVID crisis. Bearing this in mind, the analyst expects the data readout to come in Q1 2021. Summing it all up, Nowak stated, “We still view the Phase 2 CKD trial as the more significant, immediate value-creating opportunity, given the large market and recent industry successes (RETA). But we are more bullish than most investors on stroke too, as the only drug used is more than two decades old, no serious competitors are in the pipeline and approval (which could be done in only a few hundred patients) could lead to a very rapid uptake within 1-2 years.”Everything that DMAC has going for it convinced Nowak to reiterate his Buy rating. Along with the call, he attached a $15 price target, suggesting 265% upside potential. (To watch Nowak’s track record, click here)Overall, DMAC shares get a unanimous thumbs up from the analyst consensus, with 3 recent Buy reviews adding up to a Strong Buy rating. At $14.33, the average price target implies 248% upside potential from current levels. (See DMAC stock analysis on TipRanks)OPKO Health (OPK)Through its unique products, comprehensive diagnostics laboratories and robust research and development pipeline, OPKO Health wants to improve the lives of patients. OPKO shares have surged 162% this year, but at $3.86 apiece, several analysts believe this stock is still undervalued.Following the announcement that OPK had kicked off the Phase 2 REsCue study of Rayaldee for the treatment of mild-to-moderate COVID-19, 5-star analyst Edward Tenthoff, of Piper Sandler, points out that he has high hopes for the company. Rayaldee is currently approved for secondary hyperparathyroidism (SHPT) in stage 3-4 Chronic Kidney Disease (CKD), and is progressing through a Phase 2 study in dialysis patients.According to Tenthoff, many of the patients in the COVID study will have stage 3-4 CKD, “where Rayaldee has demonstrated clinical benefit.” On top of this, the analyst thinks boosting serum 25D may augment macrophage immunity by secreting potent antiviral proteins targeting.Reflecting another positive, service revenue of $251 million in Q2 2020 beat expectations as a result of the 2.2 million SARS-CoV-2 PCR and antibody tests performed at BioReference Labs in the quarter. Adding to the good news, OPK guided for 45,000-55,000 tests per day in Q3 2020 and service revenue of $325-350 million in the quarter. It should be noted that this includes the base diagnostic business, which is starting to bounce back. To this end, Tenthoff estimates service revenue could climb 53% higher to reach $1.1 billion this year.Tenthoff is also looking forward to the somatrogon, the company’s treatment for pediatric growth hormone deficiency (GHD), regulatory filings. Its partner, Pfizer, plans to submit the BLA this fall, with U.S. approval and market launch potentially coming in 2H21. An open-label European study is expected to wrap up this quarter, and will enable an EMA filing in 2021. In addition, pivotal Phase 3 Japanese data in pediatric GHD patients could support a regulatory filing in the country in 1H21.Based on the therapy’s Phase 3 trial, in which it met the primary endpoint with height velocity, Tenthoff sees approval as being likely.In line with his optimistic approach, Tenthoff stays with the bulls. To this end, he keeps an Overweight (i.e Buy) rating and $10 price target on the stock. Investors could be pocketing a gain of 159%, should this target be met in the twelve months ahead. (To watch Tenthoff’s track record, click here)All in all, other analysts echo Tenthoff’s sentiment. 4 Buys and no Holds or Sells add up to a Strong Buy consensus rating. With an average price target of $8, the upside potential comes in at 107%. (See OPKO stock analysis on TipRanks)To find good ideas for healthcare stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.

Despite being one of the most recognizable wireless carriers in the U.S., AT&T stock has had a rough 2020. But the stock does have some perks. Is it a buy?


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