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 385–436 of 436.显示第 385–436 条，共 436 条。
“Our top-line growth was driven by another quarter of record Global Wealth Management revenue and continued growth in net interest income as we increased our loan book by $2.6 billion during the quarter, keeping us well on pace to achieve our full-year guidance of up to $4 billion of balance sheet growth.”
“In those new deals, professional services has essentially exceeds what our historical margin of 20% is, which is leading and contributing to higher margins, and we expect that to continue.”
“As we review our results, our 2026 and multi-year plan is on track, and years of disciplined planning have placed us in the strongest position in our company history, having de-risked a high-quality inventory measured in decades and translated that into a business capable of generating significant free cash flow through cycles.”
“CapEx for the year was approximately $224 million, slightly below the prior year, and including targeted growth investments like the shared European distribution center and the new operating facility in India that will be used to produce products for several RPM businesses.”
“Pre-tax income grew 3% over the year ago quarter as the revenue growth was partially offset by the impact of lower interest rates and investments in leading growth, including record recruiting results.”
“Consulting revenue was $36.6 million, down 23% year-over-year, which continued to pressure utilization and therefore gross margin and segment EBITDA.”
“As noted in our press release, we are reaffirming our 2026 outlook ranges associated with total service revenue growth, adjusted EBITDA growth, capital expenditures and free cash flow.”
“We haven't cleanly broken out which portion of that from PowerCo is over time, but would just reiterate that you have the basics right, the up to changed, the forecast expenses also went down, and we see a neutral cash impact when related to the 2025 scope work.”
“For Q3, specifically, we expect HTU shipment volume of around 41 billion units against a strong Q3 2025, when HTU shipment grew by 15.5%.”
“Given current demand dynamics and the mix of homes we anticipate closing, we expect the average sales price of closings to be in the range of $550,000-$560,000 for both the third and fourth quarters.”
“Net interest margin was 3.73%, favorably affected by the interest recovery.”
“Modest increases in that cost as we go forward, part of that is driven by the need to generate more deposit volume simply because we expect more loan growth in Q3 and Q4.”
“Despite this inflationary impact and growth-fueling spending, we believe we are on course to deliver adjusted EBITDA towards the low end of the range of $25 million-$35 million, consistent with our outlook from last quarter.”
“Adjusted operating profit, excluding a $7 million foreign exchange tailwind, decreased by $32 million in the quarter as higher volume and price were offset by inflation, mix, and productivity impacts.”
“Despite higher-than-expected payoffs and paydowns, the bank achieved annualized loan growth of 5% for the quarter, with a meaningful portion of that growth occurring late in the quarter and therefore having a limited impact on second quarter interest income.”
“In aggregate, you'll note that we continue to expect full-year results that yield 15%+ growth in earnings per share, and again, feature positive operating leverage with peer-leading profitability, good growth in fees, controlled expenses, and normalized credit.”
“Is that presenting a headwind to fee revenue in that business and how we should think about the pre-tax margins in servicing going forward?”
“Non-interest-bearing demand deposits have increased by 30%, interest-bearing demand deposits have increased by 81%, and savings and money market deposits have increased by 45% compared to the second quarter of 2025.”
“Turning to profitability, non-GAAP operating margin was 29.5%, 300 basis points above our guidance, driven by the revenue outperformance and timing of spend, primarily in marketing.”
“Bulk supply in the second quarter decreased modestly from Q1, though we expect supply to remain healthy throughout the balance of the year given ongoing originator profitability constraints and industry consolidation.”
“Year to date, we grew our fully taxable equivalent pre-provision net revenue by 23% over the same period last year, generated a record level of loan production, and maintained a top quartile net interest margin.”
“The pace of loan growth continues to be aligned with our guidance of $1 billion in growth for the year.”
“The big step change in those investments have largely happened, and what we expect into the second half into 2027 is a more moderate rate of OpEx growth, and we should therefore be able to achieve some operating leverage on the EBITDA margin as revenues grow.”
“As a reminder, we continue to expect $0.40 per year of dividends to be covered by our annual distributable earnings before realized losses as we execute our business plan.”
“The Logistics segment grew revenue 8.9% year-over-year, driven by a 29.6% increase in revenue per load, partially offset by a 16.4% decline in load count as we maintain a disciplined approach to profitability and carrier quality.”
“When we look at the guidance in the second half, I think prudently, when we're looking at 6%-8%, 6% being the anchor, 8% approaching double digits in the second half, we've got TP down low single digits to mid-single digits overall because we're going to look at that as a 2027 growth vector opportunity for us.”
“In terms of thinking about cash flows for the rest of the year and what that'll look like, I think from our perspective, the modeling continues to hinge upon the overall guidance we give on our cost structure, which is cost of sales at 86%, SG&A in the short term at 9.5%-10.5%, so call it 10% at the midpoint, which leads you to a 4% pre-tax margin.”
“Previously, I know we've given guidance around the 60-85 basis points, just to round out Mark's comments there, our more updated view, which is reflective in the full year revenue update, is 70-100 basis points total written premium for contingent commissions on the year.”
“Given the strength we've seen in orders and resulting down payments, in addition to the higher Adjusted EBITDA, we're increasing our 2026 free cash flow guidance to between $11.5 billion and $12.5 billion, up from $6.5 billion-$7.5 billion.”
“Through these two acquisitions, we expect to add approximately 8% in earnings per share accretion with no impact to tangible book value.”
“That said, we're sustaining our loan growth guidance target of 3%-5% for the year, obviously looking forward to achieve that in the second half of the year.”
“At your 40% risk case, how early would you expect prices to react to this increased demand?”
“Internationally, we took the final investment decision for the Greater PAJ project in Angola, where we expect to generate more than $50 per bbl in cash flow from operations.”
“We now expect full-year revenue growth in the mid to high single digits, operating margin expansion of greater than 350 basis points, and free cash flow growth of greater than 80%.”
“For the third quarter 2026, we expect the most significant driver of our adjusted home building gross margin to continue to be incentives needed to generate an acceptable sales pace, which as Rob noted earlier, we currently expect to be consistent with levels experienced in the first half of this year.”
“The higher site rental revenues are driven by a $5 million increase to other billings, resulting in 3.4% full year 2026 organic growth, excluding the impact of Sprint cancellations and DISH terminations, compared to our prior guide of 3.3%.”
“On the consumer side of North America, our high net worth personal lines business, the clear market leader in that category, had a really good quarter, with premium growth of 6% and renewal retention on an account basis of 90%.”
“We are maintaining our adjusted non-interest expense growth outlook at 3.5%-4.5%, and we now expect our effective tax rate to be between 21% and 22% for the year, reflecting our updated earnings outlook.”
“We are also introducing a fiscal year 2027 guidance range of $9.50-$10, which includes the following assumptions: No rate changes during the year, an effective tax rate of 18%-22%, expected secondary market revenues between $5 million-$7 million per quarter, and expected share repurchases of around 70%-80% of net income.”
“Volumes increased 3.1% during the quarter and were approximately flat for the full year, demonstrating that industry-wide pricing, not demand, was the primary driver of financial performance.”
“Given the higher pace of expense growth in the first half of the year, we expect to be able to hold expenses relatively flat from second quarter levels over the remainder of 2026, with positive operating leverage momentum continuing.”
“Gross margin was 40.8%, down 30 basis points from the second quarter of 2025, primarily reflecting lower sales volumes and project mix.”
“We had I think we disclosed in our Q last quarter, we had $13 million or so I think of deposit costs down and OpEx and a couple million dollar growth in that quarter-over-quarter due to volumes.”
“Mobile service revenue maintained the pace it has observed over several quarters, 6.5%, while fixed-line service revenue accelerated to 2.7% from 1.7% the prior quarter, with the downward trend in fixed-line growth coming to an end.”
“If the underlying assumptions prove to be incorrect or as a result of risks, uncertainties, and other factors, including factors discussed in the earnings release, in the comments made during today's call, and in the Risk Factors section of our Form 10-K, Form 10-Qs, and other reports and filings with the Securities and Exchange Commission.”
“The primary reasons for the increase, other than to support the exceptional growth, were salary and employee benefits expense increased by approximately $5.6 million as compared to the first quarter, due primarily to the second quarter having a full effect of annual merit increases that were effective February 1st, increased commissions to support the higher mortgage production, and $2 million impact from the BOLI-related deferred comp expense I just discussed.”
“We expect that we'll have net growth in the third quarter, certainly in the real estate space, where overall formation was about $214 million in the quarter.”
“Using 2025 as the baseline, we're targeting 7% annual sales growth, expansion of operating margins to 17%, double-digit annual EPS growth, and a return on invested capital of 21% by the end of 2029.”
“Our financial objectives of $2.5 billion in revenues at 70% gross margins supersede the $1 billion and 65% gross margin targets set in 2023, which we are on our way to achieving.”
“As outlined in our press release, we are maintaining our fiscal 2026 lot delivery guidance of 14,000-14,500 lots and our revenue guidance of $1.6 billion-$1.7 billion.”
“Our gross profit margin on home sales revenues in the third quarter was 20.7%, above the high end of our guidance range, reflecting lower stick and brick costs and slightly lower incentives than the second quarter.”
“Segment margins were also impacted in the quarter by approximately 90 basis points by certain costs in our component MRO operations that we do not expect to continue going forward.”
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This is a transcript-only, historically incomplete publication. Releases, filings, slides, consensus and price reaction are visibly marked as not joined; lower-evidence packets remain held instead of being inferred.这是仅基于电话会文本且历史覆盖尚不完整的发布。新闻稿、申报文件、演示材料、一致预期和股价反应均明确标注为未接入；证据不足的数据包会被暂缓，而非由推断补齐。