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刚刚跨过3万家门店的瑞幸,正面临外卖大战竞争所致的利润下滑。2025年第四季度,瑞幸营收同比增长32.9%至127.77亿元,净利润同比下降38%,运营利润率从10.5% 降到6.4%,同店销售增长仅 1.2%。

Every January, I watch the same pattern unfold across the companies I advise. Marketing directors scramble to finalize annual plans while their CEOs are already three crises deep into Q1. Sales teams demand immediate pipeline support. And by February, the blame game has already begun.

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About 800,000 fixed-rate mortgages with an interest rate of 3% or below are expected to expire every year, on average, until the end of 2027. Borrowing costs for customers coming off those deals are expected to rise sharply.

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