the oil market rebounding strongly on a percentage basis, up almost 5% on west texas intermediate and better than 4% on ice brent crude. >> that will do it for another edition of "power lunch." >> absolutely. have a great afternoon. see you tomorrow. "street signs" starts right now. as you just heard, stocks and oil are both soaring again as no one seems to know which way these markets really want to go. hello. another crazy day. oil surging back but we will tell you about the one potential trouble spot out there that almost nobody else is talking about. plus the true cost of hacking your medical data and why something a little bit weird seems to be going on with twitter, the stock. >> the stock. okay. it was a case of boom out of the gates and now the major averages are back in the black for 2015. in fact, the dow is now looking at its best weekly gain in over three years. only about 1.2% shy of its all

time high. yesterday's laggard, today one of the leaders among sectors as oil prices claw back. let's move on to the trouble spot and take a look at the volatility in crude since last friday. down about 9% yesterday and up about 7% the day before. right now, up sharply again. what's with all these volatile swings? let's bring in the director of research with iaf advisors. kyle, what's going on? >> i wish i had a succinct answer. it's huge volatility. while i think a lot of the price movements has probably been associated with what is perceived as short covering, the open data doesn't support that. we have actually seen a huge surge in overall open interest across the complex suggesting there is actually more people coming into the market. that suggests we could continue to see a number of days like thch this. >> let's not get too wonky inside the details but here's what's happening on oil right now. it's really interesting. for the people out there that are not commodities traders,

basically what this is going to mean is that if i buy oil, it is in my best interest to store it somewhere. we are driving people to sort of hoard oil, are we not? >> absolutely. there's a huge price advantage and price differential between the spot month and the deferred month of many many dollars. i think that's why you will continue to see inventories in the near term accumulate because there is a profitable arbitrage available to those in the physical market to buy crude, put it in storage and sell deferred contracts at a much higher price. >> what's it going to do to prices in the near term? give us your prediction. do we keep on going down? >> i think there's a greater than 50/50 chance we still make new lows. even though i think most market participants accept the fact we are going to continue to see inventories build, yesterday we saw a build of over 12 million barrels across the petroleum complex. that will probably not be that much each week but i think we will see large builds for the next few weeks. that will take a surplus that's

over 137 million barrels in the u.s. to even higher. i just think when the market really sees that reality, it will be tough on the front of the market even as possibly the back of the market doesn't go down much. that would increase it even more. >> i can't remember a time where we had 5%, 6%, 7% moves in oil up, down, every day. what the heck is going on with the volatility? >> yeah. i think a lot of it is associated with the new market participants. lot of times when a new trade comes in with high frequency type trading funds, they are only in it for a few minutes or a day or two and if it doesn't go their way they bail. as you have seen open interest accumulate we will continue to see huge moves as the algorithm says i'm done, i'm out or another says i want back in. that type of move is associated with these high frequency traders and people trying to get in and out really quickly. >> a real pleasure to have you on. thank you so much. we'll talk soon. >> thank you. have a great day. >> so far this year, really, i

know it's early, but we have been defined in 2015 really by two potential big trouble spots. you just heard about oil. the other one is europe, specifically greece and their renewed problems. perhaps with all due respect to ray bradbury, something wicked this way comes, with the financials. because quietly, the financials are the worst of the ten s&p macro sectors this year down 3.5%. if we dig in even more, you will find of the 85 stocks that make up that sector group, not one single pure bank is positive on the year. eight stocks are down more than 10% in just 35 days. let's discuss. david katz, chief investment officer of matrix investment advisors. in any other year this would have been the top story every day but with oil and greece and everything else, it gets pushed off. what's going on with the financials? >> the financials had a mixed first quarter. the sentiment has been pretty negative. then with lower interest rates, it's just driven them down. we absolutely would not read anything into that. we would use this as an opportunity. we think actually the economy is

going to be good this year. financials are going to be good. interest rates are eventually going to start going up. that's all going to drive the financials higher. we use this selloff as an opportunity to pick up a number of highest quality businesses at great prices. >> a number is incredibly vague. get a little more micro, when you say a number of opportunities are out there, which of the particular plays do you think are offering a more attractive entry point now? >> in the regional bank side we like bb & t. they had a better than expected first quarter and good outlook. we like jpmorgan and wells fargo on the bigger bank side. as a pure interest rate play we like schwab. their earnings will go to $2 when interest rates start ris g rising. on the insurance side we like met life, a big beneficiary of higher interest rates. >> you said higher interest rates. it seems to be the common denominator. why are you so sure rates will rise? >> simply because rates are at historic lows.

the fed has made it very clear at some point they will be raising rates. it's unnatural for the fed to keep rates at zero. they have got to for the economy eventually start to raise rates. whether they start late summer or early fall, we are confident they will raise rates because you are in a normal economy. in terms of bond interest rates, we think they are going to rise but less than they normally would because of what's going on in europe and in japan. in terms of the fed, they will be raising rates. that will help the banks out a great deal. >> what do you make of the fact that some big banks, discover financial, not truly a bank, morgan stanley, these stocks are down 10% in just over 30 days. >> we think that's an opportunity. we think if you look at the fundamentals of these banks, we own morgan stanley, we like it a great deal, they have remade their businesses. they are doing exceptionally well. their earnings power is going to be going up. they think they can take to 12% roe in a normal economy. if you look at historic

valuations we think that would be worth 1.5 times its book value. if you get that you get about 30% or 40% on the upside. you want to look at the fundamenta fundamentals. the fundamentals of this group are good and going to be getting a lot better. the fact that the stocks are on sale is simply an opportunity. there are some times when stocks in a group will sell off but the fundamentals are weak. this is not the case here. we think you will get better fundamentals and getting great stock prices. >> i understand you also believe we might have a modestly better regulatory environment later in the year as well. thank you for joining us. >> how did you know that? the modestly better regulatory environment? >> i did a little preparation and read the notes he sent us in advance. how about that? it is magic. >> fantastic. let's get down to morgan for a market flash. >> check out union pacific. that stock moving higher on news the freight railroad operator's president and coo will become its new chief executive. the move is effective immediately. the company also raising its

quarterly dividend by 10%. that stock is trading up nearly 2%. back to you. >> thank you very much. up next, that final possible trouble spot for your money, europe. and hackers strike the nation's number two health insurance company. data on millions of people now in the wrong hands. we will tell i couldn't this cou could be the singular costliest hack ever. >> where will oil finish out the day? stick with us to find out. your mom's got your back. your friends have your back. your dog's definitely got your back. but who's got your back when you need legal help? we do. we're legalzoom, and over the last 10 years, we've helped millions of people protect their families and run their businesses. we have the right people on-hand to answer your questions, backed by a trusted network of attorneys. so visit us today for legal help you can count on. legalzoom. legal help is here.

so this is a great opportunity for an upgrade. sound good? great. because you're not you, you're a whole airline... and it's not a ticket you're upgrading, it's your entire operations, from domestic to international... which means you need help from a whole team of advisors. from workforce strategies to tech solutions and a thousand other things. so you call pwc. the right people to get the extraordinary done. ♪

so far, we have been digging in on the three potential trouble spots for your money. we talked about financials, quietly sinking. we talked about oil, not quietly sinking and bouncing back today. now let's talk about europe. joining us now, cnbc chief international correspondent michelle caruso-cabrera. you have got greece and now you've got ukraine back on the front pages. which do you choose to start with? >> reporter: i would say if you are talking about threats, when it looks -- when you look at the calendar, you got to look at greece. based on what the etb did to greece yesterday, the new greek government will have to make some decisions. threat may be a strong word. every time we have seen greece go bad like it did late yesterday, we saw the rally disappear but look, it's back again today. there's a new word for this, notagion rather than contagion. there may be intraday volatility. that's the kind of threat you might face. but longer than that, i'm not so sure.

>> getting back to basics, spell it out to us one more time. what does it actually mean for u.s. investor? why our market moves on this news? >> well, if you look at the situation with greece, it's still a possibility that they could lead the euro. that could lead to some kind of instability. it's not quite certain how much the spread would be. they don't -- greece doesn't owe as much as it did to banks like it did a few years ago. still owes a lot of money but not to banks which was the big cause of the last greek crisis. still, if you are worrying about whether or not a currency will fall apart, the biggest threat is if greece leaves the euro do you start discounting in the possibility that italy does and if italy's interest rates start to rise, you have a whole new issue. >> do you think that's going to happen? you spent a lot of time in europe covering these type of financial events. every time we seem to think there's doom, we get the ecb come in and now you've got .3% on the ten year. >> now, almost no one is

distinguishing different risks across the economies. they have lumped them together with the exception of greece. if greece were to leave, i put that at a 20% probability based on everybody i have talked to, i think you would start to see maybe italy's interest rates rise, spain's interest rates rise, because they would be concerned, investors would be concerned that they could be next, that their populations in spain might vote for a cerissa like government or italy would see perhaps what happens in greece afterwards and maybe having your own currency actually helps improve employment, for example. >> why do we need to start thinking about ukraine all over again? >> potentially, there you might actually have a peace dividend if hollande and merkel are actually successful. they sound very hopeful. they got on a plane all of a sudden today, surprised the whole world. they are in kiev today, moscow tomorrow. they put together a plan they hope, expect will be acceptable to all, ie putin and ukrainians. they are with poroshenko, the leader of ukraine. that situation hasn't damaged

the western market so much, but if it were to finally be settled down, you could definitely see some kind of rally for sure, then an improvement maybe in russian stocks as well. >> thank you so much. since you ended on that positive note, i want to also add another really positive thing about europe. the european commission is predicting a better forecast for growth in 2015 for the euro zone bloci wou bloc. it would be the first time they are expecting every one of those nations to show growth. if it comes to fruition thanks to low oil and the low euro it would be really positive. >> if they are right, please drag the pig down from the sky and meet me in hell with a life jacket. >> its little wings are flapping very hard. the nation's second biggest health insurer telling millions of customers today that their personal information could now be in the hands of hackers. anthem health says names, birth dates, social security numbers, addresses, all compromised in the breach. let's bring in eamon javers, who is by force or by will becoming our corporate security and hacking specialist the last couple years.

eamon, why -- week after week now, this kind of stuff is happening. what is going on? >> part of it is basic economics. this is black market economics. turns out that health care records are a lot more valuable to the hackers when they sell them on the black market than other data including credit card records. i talked to the smart folks at phish labs who monitor this stuff and they tell me a health record now can be sold on the black market on the internet for between $25 and $250 per record and that really depends on the level of involvement of the data, how much other data they can link to the health care record like your credit card information. the credit card data only sells for about $1 to $5 a pop. the health care data they stole allegedly in the recent hack much more valuable. what do they do with it? turns out a lot of it is insurance fraud including things like crooks filing basic false claims with insurance companies using the data that they have stolen and also, they are selling this information to sick people overseas who then come to

the united states with fake i.d. cards and engage in health care transactions and get health care here using these fraudulent pieces of data. also, they are buying and selling expensive equipment like oxygen machines and other things that they can buy, get reimbursements for and sell on the black market. all of that makes that health care data a lot more valuable than credit card data. the problem now is if they did get 80 million records, that figure might not be totally accurate, but that number of records could flood the market. that could really drive the price of these health care records down in the black market from that $250 figure we just talked about. >> absolutely. thank you very much. let's bring in a man eamon just referenced, don jackson, the director of threat intel. thank you very much for joining us. what is the security level of our health care data in general? this is kind of a concern. >> well, i think the health care industry really paid attention to regulations like hipaa.

in this case they benefited a lot in the fact that the health information that is medical services and goods that were provided to their subscribers wasn't linked to that data. so they are learning their lessons and partitioning out the data in a way that helps protect their subscribers. but each individual data store is still at risk. it's hard to stop a determined attacker that wants to come in and steal the data and use it to correlate with other records. >> every day, almost, we hear from a politician about the need to reform the tax code, right? we need to lower taxes for the middle class, the rich aren't paying enough, taxes, taxes, taxes, revenue, revenue, revenue. we talk about this all the time. now we've got a situation where we've got potentially personal records being stolen, people as eamon reported being ripped off, the american taxpayer being ripped off by people forging documents to get free medical treatment here.

why aren't we hearing about this more at the highest levels of u.s. government, because we are arguing over pennies when dollars appear to be getting ripped off. >> right. so there has been a huge shift in if underground markets for this stolen data. it used to be that payment card information was a lot easier to compromise. there is some liability limits around that. i know in 2014, we saw the value of these types of records go up so much that there would be a huge focus, a huge demand for them. people that go after this type of data would go after it to steal it to make a lot of money for themselves. i think we have had a lot of public consciousness, lot of awareness about these types of breaches. 2015 i think we will see a lot more of these, hackers going after something that's more valuable if they correlate it, build these online dossiers. it's going to link to a full-blown identity theft. >> thank you very much for joining us.

thank you. >> thank you. what is the one thing wall street needs to hear when twitter reports? tweet master herb greenberg will join us with answers. first, are lower gas prices boosting car sales even in houston? the ceo of group one automotive joins us exclusively when "street signs" returns.

tbut at t. rowe price,et is never clear. we can help guide your retirement savings. our experience is one reason 100% of our retirement funds beat their 10-year lipper averages. so wherever your long-term goals take you, we can help you feel confident. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. call us or your advisor. t. rowe price. invest with confidence.

auto sales for january picking up where they left off last year, on a very strong note. now, trucks which include pickups, vans, suvs, were 54% of january's sales. with oil prices still very low, is this boom likely to continue even in texas? earl hesterberg is ceo of the third largest automobile group in the u.s., operating 150 dealerships here in america, england and brazil. welcome. we have talked a lot about car sales booming in part because of low gas. you are right there also in the confluence of the drop in oil in houston. tell us about your houston dealerships. are they seeing any pain even as gas prices go down? >> no, not yet. in fact, that's been a pleasant surprise. we have been tracking it on a daily and weekly basis and the

houston auto market's still booming. obviously there will probably be some type of drag at some point in the future. there's probably a time lag. right now, so far, so good. >> so far, so good. do you feel that we have often spoken with phil and he said if you're in the market for a car, you will buy a car whether gas prices are high or low but it might change the type of car you buy. we hear about how suv and truck sales have been booming. is that something you have been witnessing and have you got enough supply on the lots? >> supply's okay. our inventory's a bit lower at this time this year versus last. but supply's pretty good. with the exception of the new ford f-series truck and i think probably the full size truck market sales numbers will be even higher if there was a good supply of the new f-series trucks. that's probably muted a bit. but you will see some movement among the size of vehicle and between new and used with economic factors. but the used car market's quite

strong also. our used car sales were up 9% in the recent quarter and that's pretty good also. it's a broad based strength. >> although on a technical level, i was going to bring this up with phil lebeau, every car is considered an suv, the rogue, everything is an suv so of course they will go up. let's talk about the luxury market, all the oil millionaires and billionaires in houston. are you seeing a drop-off on the luxury side or does that continue to outperform? >> well, that's still strong. of course, december is a very very big luxury sales month historically. it was huge again. but again, in january, through the end of the month, no change in the sales patterns even here in houston. it could be coming but we don't have any data points to show that yet. >> you have dealerships and franchises around the world. i see here looking at the breakdown of your recent earnings, you bought three bmw mini dealerships in the uk, you

divested for fiat and three renaults. where going forward would you focus your purchases if any in terms of brand? >> the luxury brand business is always the best. but we seem to do quite well with brands like toyota, honda, the japanese brands. i have to tell you, our gm business is stronger than it's ever been. we purchased one of the largest chevrolet dealerships in america last year and it's doing extremely well. we are probably more brand agnostic than we have ever been at the moment because of the broad-based strength in the auto sector. >> very quickly, i will end on a bad note, sales in brazil continue to fall. i think they were down 10% or 12%. any desire on your part to get out of the brazilian market? >> no. not at all. that was a long term investment for us. if we adjusted for currency, we actually have same story increase in brazil in a market that was down 4% in the fourth

quarter. it will be choppy for awhile but that middle class is growing. brazilian people love autos. we are going to be their supplier. >> good to talk to you. let's take a look at those markets for you. we seem to be picking up steam later this the session. the dow up triple digits, currently up by 170 points, 17,844. i think the key point, numbers aside, is that all three major averages for 2015 are back in the black. biggest winner, dupont. coca cola in the red as well as merck. >> good stuff. positive for the year. everything's fine. one analyst says this stock will double if you get in right now. we will give you that name ahead. and this is at a time when things are starting to get very exciting in the oil pits. we are seconds away from the final trades for oil crossing. that close is coming for you. e

financial noise financial noise financial noise

financial noise shyou see this right? it's 80% confidence and 64% knee brace. that's more... shh... i know that's more than 100%. but that's what winners give. now bicycle kick your old 401(k) into an ira. i know, i know. listen, just get td ameritrade's rollover consultants on the horn. they'll guide you through the whole process. it's simple. even she could do it. whatever, janet. for all the confidence you need. td ameritrade. you got this.

welcome back to "street signs." i'm jackie deangelis. we are at the oil close. 50.45 is what i have right now as we go into the settle. up about $2 on the session, off session lows. we had a 6% pop at one point. traders telling me this kind of volatility is probably going to last for awhile. you have traders getting in, buying the dips like we saw yesterday, then seeing some selling pressure conversely as well. you had a weaker dollar which does help oil and did, in fact, today so that's something to watch. also, production at this point is pretty robust after that d.o.e. report, traders are saying tomorrow we could go down from here. back to you guys. >> thank you very much, jackie. time for something we do

every day at this time, street talk, getting the analysts calls on stocks you need to know about today. number one, ralph lauren. citi removing it from their recommended list following a disastrous -- >> you are the fashion maven. >> disastrous earnings report. >> what are they doing wrong? >> i don't know. but i'm not really a ralph lauren preppy gal. >> don't they have a safari look? >> they have all kinds of looks but they are preppy more than anything else. the stock up today despite the move. >> citi analysts downgrading it to neutral. time to dismount this pony was the note. the target cut to 145. maybe short covering, maybe the worst is behind it. up 1.7% despite the downgrade. >> next, citi with an add to its recommended list. >> this replaces ralph lauren after the eps came in well ahead

of estimates. they call the earnings solid. they raised the target on lyb to 101 from 93. they see about 12% upside. >> let's move to the next stop, this is a truck manufacturer. jpmorgan upping it to an overweight from neutral. >> this truck in the picture showing us its rear. target boosted at 70 from 65, about 11% upside seen in pcar, the truck maker. earnings call, profits rose 16%. jpmorgan analysts on the same call downgraded navistar. it's not helping today, do down .7%. >> up next, a pharmaceutical, a name that could also have been our under the radar pick. >> this is the call we referenced. this stock is down 9% this year so it's not getting crushed but is still down. they called a recent sell-off unwarranted. they see a lot of catalyst this year. their target is $160 a share.

the stock's at $90 so not quite a double, about an 81% return. >> this is our final stock. polycorps. bit of an under the radar name. >> a charlotte, north carolina based maker of microporous membranes. >> what do they do? >> they are used in lithium batteries. the lithium battery market will surge. they raise it to a buy. their target on ppo is $60 a share, stock's at $47.22. lot of upside. you can do the math. there you go. hash tag, get ready. twitter reporting earnings after the bell today or at least results. not sure they will be earnings, per se. herb greenberg says it is not revenue that really matters. what it is and why he cares coming up. plus, at least one company is getting paid to borrow money. how and why is this happening? how do we get the deal? that's coming up.

you stay up. you listen. you laugh. you worry. you do whatever it takes to take care of your family. and when it's time to plan for your family's future, we're here for you. we're legalzoom, and for over 10 years we've helped families just like yours with wills and living trusts. so when you're ready, start with us. doing the right thing has never been easier. legalzoom. legal help is here.

we are about one hour away from a flood of earnings hitting the street. a flood, guys.

including a hugely watched report from twitter and all of wall street seems to be focused on just one thing. >> which thing is that? >> just one thing. what is that one thing, julia? >> that one thing, twitter's monthly active users. wall street has been expecting 292 million which is eight million more than the third quarter. but twitter has been trying to focus investors away from that slowing user growth. the ceo has been rolling out a slew of new products which highlight twitter's power even if it doesn't ramp up that active user number. today we expect them to announce a deal with google to include tweets in search results. google will pay a fee to twitter but more important, this will expand the number of people who see tweets who aren't registered twitter users. this follows twitter launching video tools, group direct messaging, syndicating its ads outside its own platform and testing a new home page.

the earnings call will surely highlight faster innovation. we will see if investors buy into the vision or if they are preoccupied with the user number. >> stick around. we are also going to bring in herb greenberg, and herb, what is to you then -- we won't talk about earnings. it won't be earnings. it will be loss. there will be results, there will be revenue. what are you looking at? >> this is not a company we cover, but we would look at the issue of monetization. i think people want to see they can monetize what julia just talked about. let's not forget, one of the things i certainly have been critical of twitter about, going back a long time, is their focus only on engaged users and not that logged-off user, the other user that's out there who has seen twitter from somewhere else. that is real opportunity. let's not forget, twitter is a huge, i do mean huge back door

into media, for people to get into media from other than a front page. there are so many links and so much we see there. there is real opportunity there. i do think, i want to reiterate what i said many many times here. i think twitter would be better off as a private company. i think the deal with google today obviously is very interesting, to go back to a relationship with google. too bad google didn't buy it at $10 billion. >> one thing. i want to correct you on one thing. >> did you hear our -- i said -- >> no, i didn't. >> i wonder if and when google might just come out and try to maybe acquire the company we are talking about. i have no information but google plus has been a complete bust and you just wonder if they would, you said dan nathan on fox money said this, will google buy twitter at some point? >> i don't know if google will buy twitter. i do think google should have bought twitter when it could have had it for half the price or less than half the price it

is right now. the relationship they both have together right now is at least an indication that they are friends again. >> i was wondering -- sorry, julia. go in. >> one thing i just want to correct you on, brian, is that twitter is expected to report earnings of six cents per share. expected to be $453 million. we are talking, they are generating profits but what's been interesting is in recent quarters, last quarter, twitter beat on the top and bottom line but the stock went down because of that user number. so the question here is can they grow that user number and then can they also convince wall street that that one user number is not that important. because it will take time to grow the service and a lot of people i talked to, lot of experts say this may not be a service for everyone. facebook is a service for everyone. the question is, can it still be a valuable service and generate significant revenue even if not everyone, not the 1.3 billion people who use facebook, are also logging in to twitter.

>> which is why it should be -- it would be great as a private company and also, it's just, when you look, one thing on this call after the market closes on the earnings call, you hope he doesn't go into the strange sort of place he went last time -- >> what does he need to do, herb? i think julia hit the nail on the head. it's all about twitter having to convince wall street. the stock has been decimated over the last year. he really tried to get people and wall street to think more broadly about its audience, those that aren't quite logged on which i think is bizarre. nonetheless, what does he need to do from here to get the confidence? there has been so much recently about how embattled he is and people having to come out and try to defend him. it just feels like maybe he's lost his way. what do you think? >> no, look, i'm always dubious when somebody says look here, not there. wall street makes up its own metrics it wants to watch. in this case, you come down to monetization.

you come back to a company like this that i won't call it embryonic but it is trying to do in the public what it should be doing in private moving itself forward. >> here's the problem. the four of us can't talk about twitter because we are all heavy twitter users. we are in the media business, in the self-promotion business. we are the people, we have followers. if you talk to most people, my friends, they're like i don't get it, nobody follows me, i don't care. maybe they will look at it but if twitter is only a distribution platform for information, doesn't it deserve the same valuation as a business wire or any other kind of mass distribution service? >> depends how well it monetizes that. >> how do you monetize it? promoted tweets? >> we will see. we will see after the bell. doing all kinds of things. reports of a deal with google do all kind of things. >> that's just for search results. that makes me not want to tweet. >> they are unleashing a slew of various things they are trying to do -- >> group text messages.

just saying. we should get a roundtable, four or five folks from around the country that have tried twitter, what do they think about it. just like normal people. we are in the self-promotion business. >> we are in the news business. it's kind of like a wire service. thank you both very much. stick with cnbc. twitter's ceo will be talking his earnings tomorrow 9:00 a.m. eastern. >> that will be fiery. he has not been -- he has gone after twitter and costolo in particular. they have to figure things out or make serious changes. >> as herb said, the company should be private. going to be a great interview. >> will it be live tweeted? >> it's not just twitter. lots of other big reports are coming out after the bell. let's toss it over to melissa lee and the earnings squad. >> welcome to the earnings squad. joining us today, john ford and cnbc contributor jeff kilberg of kkm financial. let's kick it off with the score

card. 61% of s&p 500 firms have reported so far. 74% beat estimates. 10% have met estimates. 17% came in below estimates. we got to kick it off with gopro, out today after the bell. to say the stock is volatile is to be putting it politely. this stock really whips around here. the holiday season is going to be key. what is the uptake, the consumer attitude and has that changed to the lower end, therefore depressing margins. the bigger event is going to be the lockup expiration. 71.6 million shares will come to market and that is the equivalent of the entire free float of the company today. so that is what analysts are really watching for. yes, they need to put up a good quarter in order for the stock to settle down here, but more importantly, is that lockup expiration, how that stock will react. citi for one cut the price target just yesterday, said they are likely to see-saw violently.

where it is ahead of that lockup expiration. that's going to be the main event. >> we saw the lockup with twitter, right? they sold the living life out of that stock. is it going to be a replica. it is being mitigated with the nhl undercurrent. gopro is a cult. we are seeing this cult kind of attitude really take over the product. >> yeah. the content stuff, that's all great. the roku deal, the nhl deal. >> media transition. >> at the end of the day they are a hardware company. what analysts see is as much as we don't think casio is a player or all these other, sony's a player, they will be players in 2015, guys. it will be a big year for competition in this space and the pricing pressure is going to be on. >> inventory management, how they did overseas. on the upside, seesawing violently would make a very good gopro video. >> very fitting. >> they got hit with apple getting granted those patents. will it regain. it will be a volatile earnings.

we are excited to watch it. >> watch also the reaction out of amba. this is a big winner on the back of gopro. gopro is a huge customer of the chip company. that stock up 120% over the past year. sort of a gopro related theme. linkedin is another one we're watching after the bell report. >> that's right. we are looking for 53 cents eps, $617 million in revenue. really the guidance is very important. linkedin tends to be conservative in guidance. if you look back at what they did a year ago, they ended up doing better in 2014 than they guided by about 10% on revenue, nearly 20% in earnings overall. so the currency is also an issue here because they get about a quarter of their revenue from europe. it's going to come down to america's strength, whether companies are looking to hire and spending more money on linkedin because of that but also, what are they going to say about spending in the coming year because that's been an issue for facebook and some of the other companies that are

growing fast and saying they need to invest to keep that going. >> jeff, we are watching buffalo wild wings and chicken wing prices up. the super bowl, key factor. >> they have 21 sauces and it's been blazing. >> you tried every one. >> i have. look at me. this is in my wheelhouse. look at the performance since october. up nearly 50%. yes, we are going to floor a 19.7 year over year growth, in layman's terms, they grew about 32%. will they be able to keep that as their vision going from 1,070 stores to 3,000 stores. they're on the right track. it will be hard to deliver after a $50 pop in the stock. >> thank you both for joining the earnings squad. full coverage of all the earnings and much more including twitter and yelp after the close on "fast money" tonight. back to you. instead of paying interest, how would you like to be paid to

borrow money? it is happening overseas. kind of a bizarre story. it's coming up. the weak euro could be a warning sign for the miami real estate market. so why pause to take a pill? and why stop what you're doing to find a bathroom? with cialis for daily use, you don't have to plan around either. it's the only daily tablet approved to treat erectile dysfunction so you can be ready anytime the moment is right. plus cialis treats the frustrating urinary symptoms of bph, like needing to go frequently, day or night. tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. do not drink alcohol in excess. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long-term injury, get medical help right away for an erection lasting more than four hours. if you have any sudden decrease or loss in hearing or vision, or any symptoms of an allergic reaction, stop taking cialis and get medical help right away.

why pause the moment? ask your doctor about cialis for daily use. for a free 30-tablet trial go to cialis.com

well check out the ten-year note right now. it's pretty low but not compared to this corporate bond. that is negative. the company is actually getting paid to borrow money. let's get to london. you pay for privilege of lending to nestle why would anybody do that. >> investors getting in line for negative yield. this is euro denominated debt and the euro zone is in deflation. if you're betting that the euro will be worth more tomorrow than today. the other bigger reason is this massive flight to safety and also investors betting on furtherati further expectations of rate cuts. we're staug about the sovereign

bond yield trade. take a look at the german debt. they have negative yulds on bonds with maturities up to six years. denmark fell further into negative territory when they announced the fourth rate cut in less than a month. just an hour ago i interviewed the executive in denmark. denmark, not the next switzerland at this point. take a look at the european stock index. europe 600. it has been trading at a multi-year high, vastly out performing&p 500. the weaker euro is expected to boost exports and provide a lift to european corporate earnings. >> thank you very much. >> there you go. between europe and the u.s.,

which is the best investment right now. bill, what say you? is europe the place to be for our viewers that are in the united states? >> well, there's certainly bargains. we like that which is contentious. there are bargains over there. in what we do, we are not buying outside the united states but we are buying companies inside the united states that would be positively impacted by europe. one example would be an ebay. another example would be a walgreen's boots alliance where about half of the company is alliance boots other in europe. a better thing to think about, though, is rather than one versus the other is why not go to attractive and mer toir yous things in both companies. we like taking advantage of millennials. your prior secondment was about buffalo wild wings.

when these 25-year-old men get married in ten years, they're not going to go to buffalo wild wings as much as they do now. we like home building and loaning money to them to buy cars and houses. these a different trade than being an international investment. >> the toddlers might like buffalo wild wings. point made. do you have europe is going to outperform the united states in the next three to six months? >> i think the european equities has a catch up here on a currency hedged basis. i think in terms of stock appreciation. but we think the euro will continue to weaken. nonhedge u.s. investors would be better off staying domestically. but for european investors we look more for exported areas

that benefit from the weaker eu euro. on t >> you know, when everybody is on one side of a trade, i tend to get a little nervous. everyone expects the euro to keep going down against the dollar. what if it doesn't? would you change your thesis? >> i like the european equity catchup trade. earnings are getting better. valuation looking better. if you look at the big picture from the monetary policy situation, it would certainly seem like rates, you know, are stable to moving higher here in the u.s. while on the european side we just talked about negative bond yields. that's all suggesting quantitative easing there staying there for longer. i would think the currency move is likely to continue to move in that direction. >> brian, if you look at a ten-year or 20-year chart of the currency, the move that u.s.

dollars is making is in its infancy stages. it was a terrible place to be for 10 to 15 years while china was booming and we were suffering. and it just started being a good place to be. i went to europe three times in a year and the currency looked about 40% overvalued when it was about a dollars 38 per dollar. we're still maybe midstream is our guess. >> bill and andrew thank you very much. we're going to lighten up and show you a missy private island. stick around.

♪ [epic music] introducing aleve pm... the pm pain reliever. that dares to work all the way until... [birds chirping] the am. new aleve pm. it's the first to combine a safe sleep aid plus the 12 hour strength of aleve. for pain relief that can last all the way until morning. new aleve pm, for a better am.

hundreds of new high-rise condos are going up in miami, thank to investment. but could that be about to dry up? not everywhere. we're live on fisher island. what are you finding over there diana. >> reporter: the bull do zers are finally rolling again after a seven-year hiatus. now two new towers going up and the penthouse on one just sold for $35 million. now fisher has always been the most elite land in miami and these two towers will bring that to a new level. but fisher also faces a skienline that is suddenly challenged by a changing world economy. miami went from boom to bust to a relatively fast recovery.

the cash isn't as valuable as it once was. still the condos are going up with over 41,000 new units. the question now is will there be enough foreign buyers to buy that one. this penthouse was sold to a russian. >> thank you all for watching the program today. >> "closing bell" starts right now. ♪ and welcome to the closing bell. i'm kelly events here at the new york city stock exchange. >> i'm bill griffith. believe it or not, we're on track right now for the d.o.w. to have its best percentage gain in about two years and you can credit oil today. 's back above $50 a barrel. just incredible volatility. there it is in the afterh