A live archive of receipt-bound excerpts from company earnings calls. No generated thesis, no recommendation — just the recorded language, its source coordinates, and a direct path into the ticker dossier or live Terminal.来自公司财报电话会的可追溯摘录档案。没有生成式投资结论，也没有推荐——只有原始表述、来源坐标，以及进入个股档案或实时终端的直接入口。
Start free in Terminal免费开始使用终端649 verified call records份已核验电话会记录 · 7788 exact facts条精确事实 · 2026-10-26 → 2026-11-01
Browse the full archive page by page. Search on this page by ticker, period, category, or speaker; every card preview is a verbatim call excerpt.分页浏览完整档案。在本页按代码、期间、分类或发言人搜索；每张卡片预览均为电话会原文摘录。
Showing records 3553–3648 of 6702.显示第 3553–3648 条，共 6702 条。
“Our long-term strategy and preparations that position us to support our customers throughout this conversion process and achieve our $1 billion sales target.”
“Given your kind of 2026 focus of driving meaningful balance sheet growth, I would presume that you guys, if you had to weight one more to the other, would say a couple of basis points of NIM compression would be okay as long as you're growing good customers, loans, and NII.”
“We expect a more meaningful impact in 2027, with growth extending to Latin America, the Mediterranean, and Asia.”
“We are constraining growth where margins do not meet our targets focusing new business and retention strategies on the business that continues to enhance the earning power of the book.”
“We expect to reinvest future cash flows from the securities portfolio into AFS, MBS, and potentially, to a lesser extent, into bank sub-debt, while maintaining the balance of securities at approximately $2.7 billion-$2.8 billion.”
“Obviously, I'm not looking for guidance on 2027 yet, but I think it would be helpful to contextualize how much dilution from these specific transactions we should expect to impact 2027 earnings.”
“Lastly, reflecting our earnings growth and taxable income outlook for the company, our board has authorized a 6.7% increase in our quarterly common dividend to $0.32 per share beginning in the third quarter of 2026.”
“Our centers generated 2% year-over-year traffic growth in June and 2% traffic growth year-to-date.”
“Halfway through the year, we've generated more than $1.3 billion of free cash flow, organically replaced our full year 2026 drilling locations in both the Permian and the Montney, brought our debt down below $3 billion, and are set to grow oil production per share by 4% with no increase to activity or capital spending.”
“Importantly, FPL is positioned to develop new cost-effective solar and storage for the benefit of its customers, because approximately 90% of our generation mix is anchored in baseload gas-fired and nuclear generation, the result of sustained investments over the last 25 years to modernize our power plant fleet while meeting power demand from significant population growth.”
“As Mike will describe in more detail, given our results to date and our outlook for the second half of the year, we have raised our fiscal 2026 guidance for revenue, margins, and adjusted EBITDA.”
“Our net interest income increased 21.7% from the second quarter of 2025 due to a 23 basis point increase in net interest margin and an increase in average interest-earning assets.”
“Throughout fiscal 2026, we stabilized our North America business, growing volume, sales, and EBITDA for the full year, and ending with a 26% segment EBITDA margin.”
“On the investment side, net investment income increased by 19.9% in the second quarter over last year as a result of continued growth in the investment portfolio generated from strong operating cash flows.”
“For full year 2026, given the current market conditions, we continue to expect net investment income to increase, supported by growth in invested assets with overall portfolio yields expected to remain broadly in line with 2025.”
“When we consider the impacts of the exchanges, Medicaid supplemental payment programs, and the impact from the respiratory season and winter storm in the first quarter, our year-to-date operational performance has moderated from our 2025 growth and our initial guidance assumptions.”
“In total, the company received approximately $38 million of IEEPA tariff reimbursements during the quarter, of which roughly $18 million reduced cost of goods sold and favorably impacted gross margin.”
“When I compare our current results to last year, I see strong growth in revenue, very contained operating expenses, increasing net interest margins, lower efficiency ratios, lower levels of non-performers, steady growth in earning assets, growing levels of non-interest-bearing checking accounts, and importantly, tangible book up over 20% from last year.”
“We are also pleased to report our third consecutive quarter of profitability and improved earnings as our pre-provision net revenue increased 51% compared to last quarter.”
“We estimate that 2026 same-store revenue growth will likely finish with a full-year increase that is in the mid- to high-30% range.”
“Given our year-to-date performance, we continue to target full year 2026 loan growth of 5%.”
“We expect accelerated payoff activity to continue through the rest of 2026, again pulling forward some of our previous out-of-year payoff expectations, which we anticipate will create variability in near-term reported balance growth despite improving commercial production.”
“which meeting do you have the hike in the guidance in, and are you going to quantify just the sensitivity of the balance sheet in terms of what a 25 basis point rate hike does to the margin?”
“Net interest income increased 6.7% from the first quarter, net interest margin expanded to 3.86%, representing a 23-basis point increase from the linked quarter and a 44-basis point increase from a year ago.”
“On the balance sheet, we are narrowing our loan growth outlook to a range of 3%-4% from our prior expectation of 3%-5%.”
“That perspective is also reflected in the World Steel Association's most recent steel demand outlook, which calls for modest growth in 2026, followed by more meaningful acceleration in 2027 for steel demand outside of China.”
“Through the first six months of 2026, our core efficiency ratio improved by approximately 200 basis points, and revenue growth outpaced expense growth, generating roughly 430 basis points of positive operating leverage over the same period last year.”
“As we move into the second half of 2026, we are prioritizing disciplined growth and balance sheet management, along with a consistent sales focus on new customer acquisition and increasing primary relationships.”
“Now, this team has delivered another quarter of strong performance: EPS growth of 12%, FX adjusted, on 5% volume growth.”
“Residential revenue per customer relationship declined by 1.8% year-over-year but was essentially flat when excluding the programmer app allocation headwind of $251 million this quarter versus $67 million in the prior-year period.”
“We expect gain on sale revenues to average $5.5 million per quarter and our non-interest income to be in the $14 million-$15 million range for the third quarter.”
“With that in mind, as we entered 2026, our plan was as follows: Make the upfront investments in the Platinum value propositions, which we anticipated would continue to drive the high pace of revenue growth, maintain strong credit risk management, and drive operating leverage across our marketing and operating expenses.”
“The net interest margin for the second quarter was 426, down 12 basis points from 438 in the first quarter, and in line with the guidance we provided last earnings call.”
“Total traffic declined 2.7% year-on-year to approximately 17 million passengers, reflecting softer performance in Mexico and Puerto Rico, partially offset by continued growth in Colombia.”
“We expect net interest margin to be approximately 3.50% for the remainder of the year, supported by disciplined balance sheet management and the benefit of continued growth in lower-cost deposits.”
“Year-over-year, we grew adjusted revenue by 6% while keeping adjusted expense growth at just 3%, which highlights our ability to generate organic, profitable growth and positive operating leverage.”
“We saw continued growth in Annex 1 related projects in the quarter, and we expect this mix shift to deliver on our target of 200 basis points of revenue growth in 2026.”
“There are no changes to our net room growth outlook of 4%-4.5%, excluding Revo.”
“Overall, SaaS account growth was 2.2% in the quarter, in line with expectations and reflecting a difficult comparison as we lap the addition of the large UAW portfolio in the second quarter of last year, along with the impact of the previously disclosed Q1 account closures, which were immaterial to both revenue and income.”
“On average yield of 4.6%, volumes were down 1.9%, reflecting the ongoing macroeconomic uncertainty, which has limited growth in the solid waste activity.”
“Our Adjusted NOI margin decreased 51 basis points year-on-year to 94%, reflecting higher operating property costs relative to rental revenues in the quarter.”
“With the trends we've observed in the first half of 2026 and our expectations for second half, we're increasing and narrowing our guidance for domain name base growth to be between 5.2% and 6% for 2026.”
“We expect continued earnings growth and profitability improvement throughout the remainder of the year and into 2027.”
“We launched 24 new products across 11 automakers and secured $2 billion of new business awards, bringing first-half bookings to $3 billion and keeping us on track for our full-year $6 billion target.”
“We are updating our full-year net interest income growth outlook to a range of 8%-10%, reflecting the strength of the first half of the year and continued margin stability.”
“In turn, we've also raised our adjusted EBITDA guidance by $300 million to a range of $7.975 billion-$8.125 billion, reflecting our continued expectation to bring the revenue growth to the bottom line by maintaining flat margins year-over-year.”
“Looking to the remainder of the year, we are raising our 2026 outlook to reported EPS growth in the high single-digit range as we continue to efficiently move increased volume on our network.”
“On production on a year-on-year basis, excluding the impact of the Middle East conflict, second quarter hydrocarbons production increased by more than 4%, above the guidance provided of 3% for 2026, benefiting from the ramp-up of the project started since the beginning of 2025 and from an operational improved facility availability.”
“We now expect net sales growth of approximately 2.5%-3.5%, comparable store sales in the range of -1% to flat, Adjusted operating margin between 8.5% and 8.8%, and adjusted diluted EPS between $1.90 and $2.00.”
“That shows you the underlying strength of the business, and so we have absolutely aspirations to continue to take volume and continue to see ARPA growth, and reiterated what we expect to be very strong 2.5%-3% on that ARPA growth for this year.”
“In aggregate for adjusted EPS, we are increasing the midpoint of our full year guidance by $0.25, comprised of the following: $0.30 from the strong performance in Q2, $0.05 from an increase to our revenue outlook for the second half of the year, partially offset by the impact of the divestiture of our microbiology business of $0.05, and a second half headwind from recent changes in FX rates of $0.05.”
“IME also brings an attractive financial profile with projected 2026 full-year revenue of approximately $17 million and 20% EBITDA margins.”
“In copper, our adjusted EBITDA margin increased to 70% compared with 45% in the second quarter of last year, driven by stronger copper prices, higher production and sales volumes, and strong by-product credits.”
“Net interest margin expanded to 3.83%, exceeding the 3.75% target that we set following the Keystone merger, reflecting the strength of our balance sheet, disciplined loan and deposit pricing, improving funding trends, and successful execution of our Keystone integration strategy.”
“In Q4, we anticipate a revenue growth acceleration, mainly driven by our engaged customer programs in AI data centers and low-earth orbit satellite communication.”
“Our real estate solutions business grew revenues by 75% and adjusted pretax margins by 24% in the second quarter compared to last year, ending the quarter with a 13.6% margin.”
“At the same time, total C&I revolving commitments grew at 6% annualized, demonstrating continued demand from our customers along with increased banker productivity.”
“Targeted EBITDA growth of 9.3%, EBITDA margin expansion of 50 basis points with a goal of a 40% margin in Q4.”
“For the full year, we continue to expect net sales of $7.25 billion-$7.75 billion, adjusted EBITDA of $1.25 billion-$1.35 billion, adjusted earnings per share of $5.80-$6.20, and operating cash flows of $700 million-$800 million.”
“Gross margin improved 260 basis points to 42.6% in the quarter from 40% last year, mostly due to the increased sales and savings from the segment's RCI initiatives.”
“Importantly, we expect to have another interim look at OS in first half of 2027, which will have additional follow-up time, something we continue to note as an important factor in showing the value of ivonescimab in these clinical studies.”
“Although we generated 22 basis points of net interest margin expansion during fiscal 2026, primarily driven by lower cost deposits from the declining rate environment, we could see some pressure on our core margin in the coming quarters as short-term rates have recently increased and deposit competition is elevated.”
“Compared with the prior year quarter, net interest income decreased by $44 million, while other income increased by $16 million, driven by growth in recurring program management fees from our strategic partnership and growth in servicing fee revenue.”
“Total Q2 revenue of $1.1 billion is up nine percent from $1 billion in Q1 2026 on strong block hour demand from our partners during a volatile quarter, and is up seven percent from $1 billion in Q2 2025.”
“In the children's book publishing and distribution, revenues for the fourth quarter decreased 4% to $276.3 million, and for the full year, revenues were $964.2 million, approximately in line with prior year.”
“For me, this is a unique chance, which first of all, will hopefully end up in the next 12 months in an acceleration of our AI cloud revenue, but second, then also in very healthy cost margins going forward.”
“Our updated gross margin guidance of 48.5%-50% reflects tailwinds from positive pricing, favorable product mix, productivity savings, and lower shortfall fees, with headwinds from tariffs and commodity inflation.”
“With respect to operating profit, we now expect growth between $550 million and $625 million versus 2025, up from our prior expectation of between $425 million and $525 million, driven by drop-through on increased sales volume and ongoing cost-reduction initiatives.”
“In addition, we're raising our full-year revenue growth outlook, with total revenue now expected to be north of 8% and organic growth expected to be in the 6% range.”
“Brands that generate customers through relationship-based channels like direct sales, door-to-door models, and relationships with home builders delivered organic growth above our targeted 7%-8% range for the quarter.”
“We think that positions us well going into the 1/1/2027 renewal, which again, as we mentioned earlier, we expect that there'll still be quite a bit of supply coming into the market and some rate pressure.”
“For Q3 2026, we expect subscription revenue of $643 million-$649 million, total revenue of $664 million-$670 million, GAAP operating margin of 7.2%-8.6%, up 310 basis points year-over-year.”
“It makes me think that you're pretty optimistic about those two pieces in terms of growth going forward without much of an impact possibly on your margins.”
“Our midpoint revenue guidance for the third quarter reflects year-over-year growth of 3% for Talent Solutions and 6% lower revenues for Protiviti.”
“Coming out of a year with increased sales, new products, increased customer base, and new technology partners, and a 24.8% increase in the combined backlog of the two SBUs, we believe FY 2027 will be another year of growth for both PMT and GES.”
“Turning to our outlook on page 14, we've raised our full year 2026 comparable EPS forecast by increasing the low end of the range to $14.40 from $14.05, while maintaining the high end at $14.80.”
“This outlook reflects our disciplined approach to expense management under our 9-6-5 strategic model, which is designed to keep annual non-interest expense growth below 5%, driving operating leverage, improving efficiency, and enhancing profitability.”
“The impact of growth as you get further along, actually, the relative impact diminishes because when your starting point of the margin is closer to 330, which we say is the incremental margin of the growth, then that impact of the future growth is less on the margin.”
“Looking at the paper segment, EBITDA, excluding special items in the second quarter, was $39 million, with sales of $157 million, or a 24.9% margin, compared to the second quarter of 2025's EBITDA of $30 million and sales of $146 million, or a 20.8% margin.”
“We're committed to achieving our path to flat, targeting 0%-3% annual customer bill growth.”
“Just a little more color on what's happening there, is it a seasonal Q2 thing, or should we expect ongoing impact in some future quarters?”
“Based on our sales funnel, we anticipate additional awards in the third and fourth quarters, reinforcing our expectation that backlog will improve in the second half of the year and meet our full-year book-to-bill guidance of 0.9 to 1.0.”
“You saw, if you look at our average cash balances, they declined about $400 million during the quarter, which was a pretty meaningful positive impact to net interest margin.”
“Based on the strength of our commercial performance in Q2, we're updating our full year revenue guidance to a range of $710 million-$725 million, representing 8%-11% growth.”
“In addition, the company's AFFO per share guidance range now includes $0.05-$0.08 per share of estimated dilution, or 3.6 million-5.9 million shares for the full year, due to the impact of the company's outstanding forward equity calculated in accordance with the treasury stock method.”
“To summarize our financial results on slide 16, despite the cost headwinds we faced, higher fuel prices, inflationary pressures, and volumetric expenses, we drove a 5% increase in operating income.”
“Looking at the full year, we continue to expect technology standards to deliver a similar level of sales and profitability as in 2025.”
“As we've noted in our materials, for every $10 per bbl change in the price of oil, you'll see on a full year basis about a $60 million impact.”
“Operating expense was $641 million, up 10%, leading to an operating margin of 57% and an EBITDA margin of 60%, both up 2 percentage points over the prior year period.”
“We expect third quarter GAAP gross margin to be approximately 57%-60%, and non-GAAP gross margin to be in the range of 58.5% and 61.5% of revenue.”
“We have increased our full year 2026 adjusted earnings guidance by $0.25 to at least $5.25 per share.”
“Year-to-date EBITDA margin of 21.4% was flat compared to the prior year period, as the impact of higher reimbursable costs was offset primarily by lower employee-related costs.”
“Turning to full-year guidance, we are increasing the full-year revenue outlook to $1.995 billion at midpoint and tightening the range, implying 4%-7% revenue growth across the range.”
“Even with an estimated year-to-date fuel headwind of approximately $1.33 per share, Southwest remains positioned to generate earnings that are broadly in line with our guidance at the beginning of the year and represent significant earnings growth and margin expansion, underscoring the resiliency of our business model.”
“Metals billings during the quarter continued to ramp up, especially in June and now July, reflecting both activity from our small demonstration facilities together, plus deferred revenue associated with the growing customer and sales collection.”
“Margins are pegged modestly lower than our prior guidance as we scale up new contracts in F-35 production, expand sustainment work, and absorb the F-16 and C-130 challenges we realized in Q1.”
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