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Start free in Terminal免费开始使用终端50 verified call records份已核验电话会记录 · 600 exact facts条精确事实 · 2026-09-07 → 2026-09-13
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 4993–5088 of 5581.显示第 4993–5088 条，共 5581 条。
“Based on the size and health of the pipelines we have today, we expect to see loan growth rebound through the second half of the year and continue to expect full year loan growth of 5%, driven by commercial.”
“We continue to expect full-year loan growth to be in the 3%-4% range.”
“Our net interest margin remains among the highest in the peer group, and we expect it to hold steady in a 3.99%-4.04% range over the next quarter, assuming no rate cuts.”
“Margin performance is expected to be driven primarily by balance sheet mix and our targeted annual 10% loan and core deposit growth rather than additional rate tailwinds.”
“Commission expense, our largest cost of operations, increased 6.4% to $465 million, driven largely by agent incentive compensation due to the underwriting profitability improvement, as well as higher base commissions driven by premium growth.”
“Total deposits declined slightly to $1.6 billion, but core deposits increased during the quarter, driven by growth in non-interest-bearing demand deposits.”
“We finished the quarter with record commercial pipeline of approximately $800 million, which gives us confidence in strong origination activity in the coming quarters and supports a favorable growth outlook as we move through the year.”
“The growth is really going to be coming from that 1% number you see there on the real estate transaction side which is really hugely valuable to customers that are currently banking with other banks that are looking for advanced payment capabilities beyond what they're able to get in addition to sort of the service that we offer.”
“Over the last year, residential customers declined by 1.5%, while residential revenue per customer relationship declined by 1.4% year-over-year, given the growth of lower priced video packages within our base, $218 million of costs allocated to programmer streaming apps and netted within video revenue, versus $47 million in the prior year period, and a decline in video customers during the last year.”
“Anticipated revenue growth, excluding the impact of the Medicare cap, improves from the original guidance of 5.5%-6.5% to a revised range of 6.5%-7.5%.”
“Despite the ongoing tariff-related pressures and significant Middle East disruption, we delivered strong results with IET achieving 35% year-over-year EBITDA growth and reaching record levels in both orders and backlog.”
“Despite the revenue decline, adjusted EBITDA margin improved to 6.5%, driven by cost savings from Fortify Phase 2 and favorable product mix, partially offset by higher aluminum costs that were not fully offset by those pricing actions and the impact of lower volume.”
“If we think about an environment where we don't get rate cuts for the rest of the year, is it possible that deposit costs could actually creep up throughout the year, just as we think about this 5 to 10 basis point margin headwind that you kind of see?”
“We now anticipate full year organic revenue growth back to our long-term construct of 7%-9% up from our previous guide of 5%-7% and adjusted EPS increase to the range of $8.40-$8.75.”
“Our land business delivered results in line with our expectations in the first quarter, with volume and gross profit down 15% and 38% year-over-year, respectively, reflecting the impact of our portfolio actions and previously announced business exits.”
“Normalizing for the unfavorable 200 basis point impact of higher credit loss and fuel price differences, our adjusted operating margin would have expanded 130 basis points as a result of efficiency gains through technology and AI, pricing actions, and the operating leverage we are seeing from higher organic growth via the investments we have made in innovation in 2025.”
“We not only exceeded expectations for revenue and EBITDA, but delivered EBITDA margin of 32.5%, up 90 basis points year-over-year, excluding commodity impacts in spite of outsized weather impacts and in advance of recovering higher fuel costs.”
“With the trends we've observed thus far in 2026 and our expectations for the next three quarters, we are increasing and narrowing our guidance for domain name base growth to be between 3.1% and 4.3% for 2026.”
“Despite traditional first quarter headwinds, including elevated payroll taxes and a lower day count, adjusted pre-provision net revenue increased to $253 million during the quarter, providing a strong jumping off point for the rest of the year.”
“India today represents nearly 10% of our total sales, and these launches position us to grow alongside our customers in what will be a key growth market going forward.”
“We are updating our full year net interest income growth outlook to the range of 5%-7%, reflecting the strength of the first quarter results continued with margin momentum.”
“Excluding the impact of H&E, SG&A increased $16 million year-over-year, but declined as a percent of revenue, while gross profits from other lines of businesses increased $8 million.”
“Let me begin with a walkthrough of our first quarter income statement on slide six, where our operating revenue of $6.2 billion increased 3% versus last year, as freight revenue of $5.9 billion grew 4% on 1% lower volume.”
“At the midpoint, the guidance includes $900 million higher revenue, 20 basis points of additional margin expansion, and $0.37 higher adjusted EPS compared to our previous guidance.”
“We expect that to add 1%-2% growth at accretive margins in the coming years.”
“In the first quarter, our gross profit before depreciation and amortization in copper increased 158% from the same period last year to CAD 1.8 billion, primarily driven by record quarterly average copper prices and copper sales volumes and lower net cash unit costs.”
“We believe when these teams gain scale, they will drive even stronger pipelines and profitability with the potential to generate over $1 million in fees per month and extend our quarterly loan growth target range to $75 million-$125 million.”
“We anticipate total revenue growth in the mid-to-high single-digit range, driven by industry-leading client adoption and continued growth in our fee income areas of focus, with full-year non-interest revenue expected to reach $265 million-$290 million.”
“Gross profit increased by 34.5% to $427.2 million from $317.6 million in the Q4 of fiscal year 2025.”
“Our productivity initiatives drove a 2% reduction in adjusted operating expenses, resulting in 3% operating income growth and slight margin expansion to 14.3%.”
“Excluding the impact of NXP's MEMS sensor business and related PPA effects, gross margin stood at 33.9%, 20 basis points better than the midpoint of ST guidance, which did not include any impact related to our acquisition of NXP's MEMS sensor business.”
“Again, the question overall to me, given my view that the RES growth is going to be marginal, particularly for the next quarter or two, I feel we can sustain with our momentum somewhere around the 15% growth rate for the overall company.”
“As you look into 2026, again, we expect relative stability in the net interest margin around the current level with net interest income growth coming from a return of loan growth.”
“Adjusted diluted EPS in the range of $6.74-$7.06, reflecting approximately 12% growth at the midpoint, and maintaining our targeted annual EBITDA expansion of 50 basis points with a goal of 40% margin in Q4.”
“Turning to our 2026 outlook on slide 14, we confirm our guidance of high single-digit sales growth at constant exchange rates, with business EPS expected to grow slightly faster than sales.”
“The OpCo operating margin was 20.8%, 50 basis points below last year, but still strong despite the 40 basis points of unfavorable foreign currency and the impacts of higher investment.”
“I think in our original long-range planning that formed the basis of our original guidance for this year, we kind of assumed flattish balance sheet this year, and we assumed that kind of 1%-2% growth going into 2027 and sort of getting up to the kind of mid-single digits over time.”
“We expect to continue to deploy our ongoing generation of free cash flow by investing in our fleet, including financing the addition of 28 new E175s by the end of 2028, reducing our debt and executing opportunistically on our share repurchase program as you saw us do in Q1.”
“For NAND, shipments declined by approximately 10% QoQ, reflecting a high base from the previous quarter's sales, as well as reduced discrete product sales and longer production lead times associated with the shift in mix toward high value-added products, where demand is rising rapidly.”
“For NAND, shipments declined by approximately 10% QoQ, reflecting a high base from the previous quarter's sales, as well as reduced discrete product sales and longer production lead times associated with the shift in mix toward high value-added products, where demand is rising rapidly.”
“In Standard Personal Lines, premiums declined 6%, while our target mass affluent market business grew by 1%.”
“We are reaffirming our full year 2026 revenue guidance of $30 million to $35 million, with contributions expected from all three of our revenue-generating business units.”
“For the time being, we expect these to have a limited impact on 2026 cloud revenue, but you should not expect us to raise the outlook upon the imminent closing of Reltio.”
“I think, the dynamics in aluminum in particular continue where we, unlike this time last year, our companies now have been able to push through the 50% tariff to our customers, but we're not necessarily getting a full margin on that 50% tariff cost, which puts a little pressure on the overall gross profit margin from our aluminum products compared to periods where we did not have a 50% tariff that we had to cover and try to push to our customers.”
“On the back of this quarter's performance, we're raising our full-year DEPS guidance to a range of $21.80-$22.05, up $0.50 at the midpoint, and more on this later.”
“We remain focused on improving our incremental margin profile while investing in growth opportunities, and we anticipate that cash flow will continue to convert at a rate that is above 100% in 2026.”
“We expect growth to persist as the new business pipeline remains strong and as we continue to ensure adequate rates are earned throughout the book.”
“As a result, cost actions are planned that impacted our Q2 midpoint adjusted gross margin guidance by $5 million in expected severance costs, or $0.03 per share.”
“Supply Chain EBT as a percent of operating revenue was 7% in the quarter, at the segment's long-term target of high single digits.”
“Given the strength of our pipeline in our traditional and LIHTC lending platforms, we are reaffirming our guidance for gross annualized loan growth of 10%-15% over the final three quarters of 2026.”
“The conflict in the Middle East has increased risk in one of our key regions, which contributes roughly 10%-15% of segment revenue, primarily from Saudi Arabia.”
“Could you tell us, does that still kind of anticipate that full year OpEx will be in that 60%-80% range relative to gross margin or sales dollar growth?”
“The net interest margin expanded into the top half of our target range, and adjusted non-interest revenue grew over 20% versus combined results in the first quarter of 2025.”
“Looking at the Paper segment, EBITDA excluding special items in the first quarter was $38 million, with sales of $160 million for a 23.6% margin, compared to the first quarter of 2025's EBITDA of $40 million and sales of $154 million, or a 26.1% margin.”
“First quarter SG&A expense was in line with prior guidance, so we are maintaining our guidance for full year 2026 expense to be in the range of 9.5%-9.7% of home sale revenues.”
“We're kind of targeting somewhere between $175 million-$200 million in loan growth and deposit growth.”
“As it relates to 2026 guidance, based on our better-than-expected first quarter retail results, we are increasing the midpoints of our 2026 retail revenue and adjusted EBITDA guidance by $20 million and $12 million respectively to reflect the upside generated in the quarter.”
“Combined with the 1,900 miles of undergrounding we expect to have completed by the end of 2027, plus an additional 4,000 miles of overhead hardening, this would result in nearly 11,000 miles of planned system hardening through 2037, or more than three-quarters of the high fire threat miles we plan to harden based on our current risk modeling.”
“While our combined ratio of 100% is still elevated, the improvement reflects increased revenues and the margin expansion efforts we have been working on.”
“Turning to our cash flow and liquidity, we utilized $59.1 million of cash for operating activities, largely for payment of performance-based incentive compensation and increased customer receivables.”
“Moving forward, we expect margin will bounce back in Q2 by about 10 basis points, plus or minus, as excess liquidity from seasonal balances in our public funds customer accounts runs back off, leaving average earning asset balances roughly flat.”
“Gross margin increased by 430 basis points to 48.5%, in line with our long-term target for Mobile Networks gross margins.”
“The decrease in operating profit was mainly due to the decline in shipments of 7%, due to softening in the market and our strategic decision to reduce low-margin business.”
“The performance translated into strong financial results, including $3.8 billion in cash flow from operations after working capital and $3.1 billion in free cash flow, marking another all-time quarterly record, which is especially notable given the seasonal working capital headwinds typically experienced in the first quarter of each year.”
“The comparative contribution from our customer supply business decreased by $0.04 per share, primarily driven by lower production volume in our upstream operations and continued normalization of margins in our full requirements business.”
“We are updating our non-GAAP expense guidance for the year to a range of $2.485 billion-$2.545 billion, from $2.455 billion-$2.535 billion, given the strong revenue performance we have experienced year to date.”
“We're actively sampling next generation Panther 5 with key customers, and based on current engagement, we expect storage accelerator revenue to at least double in 2026 compared to 2025.”
“Although we do not anticipate a notable material gross margin impact this year, our long-term gross margin target remains at 22.5%-23.5% in a normalized market when incentives and interest rates stabilize near historical averages.”
“Today, I will discuss several topics, our reported financial results for the first quarter, our full year 2026 guidance, which we reaffirm at approximately $42 billion of premium revenue and at least $5 in adjusted earnings per share, the political and regulatory landscape, and a brief glimpse of our Investor Day agenda and growth outlook.”
“EBITDA margin for the Q1 was 21.1% compared to 21.2% in the prior year period, as the impact of higher reimbursable costs were offset primarily by lower employee-related costs.”
“More specifically, looking at your top 10 OEM customers, what percentage of those have committed to conversion to Surround ADAS, and maybe you can give us an update as to the timing for contribution for revenue from Surround ADAS and the ASP impact.”
“Our first quarter EPS of $0.45 was in line with our guidance in January and represents a significant year-over-year improvement from a loss of $0.26 per share or an adjusted loss per share of $0.13, and these results were delivered against a backdrop of significantly higher fuel costs, which represented a $0.22 EPS headwind in the quarter, further illustrating the underlying momentum that we're seeing across the business.”
“While we mentioned in our Q4 2025 earnings call that we expected our net interest income and margin to step down following the 50 basis points of prime-based loans repricing on January 1st, both our net interest income and margin outperformed expectations.”
“It is also important to note that we expect margins to improve over the course of the year, with gains anticipated in the second half of 2026 as production milestones are achieved and risks are retired.”
“Revenue of $1 billion and Adjusted EBITDA of $126 million reflected record pumping efficiencies and high fleet utilization while absorbing the full realization of pricing headwinds and winter weather disruption.”
“Our first quarter performance, combined with a robust backlog and increased order activity throughout the first four months of the year, give me confidence in our ability to deliver an increase in 2026 adjusted EBITDA above our cumulative annual growth target of 10%-14%.”
“For the total company, we expect net sales in a range of $25.9 billion-$26.4 billion, reflecting 4%-6% constant currency growth for legacy KDP, and an $8.5 billion-$8.7 billion contribution from JDE Peet's.”
“However, excluding the impact of the increase in exchange rate, the increase was limited to KRW 4 trillion or 1.1% YoY, remaining within the group's target level, showing appropriate growth.”
“We now expect full-year free cash flow to be in a range of $140 million-$150 million, subject to metal price movements and its impact on working capital.”
“Taken together, this outlook supports our forecast for flat to 2% growth in service revenue in 2026 and for operational OIBDA between $480 million and $490 million this year.”
“Non-GAAP gross margin came in at 41%, approximately 650 basis points ahead of guidance due to the combination of higher volume, which included previously reserved inventory, mix, and pricing.”
“EPS adjusted for income tax orders and the labor code grew double digits for the year at 13.9% in Q4 and 12.1% for the full year in INR terms.”
“Highlights for our first quarter include a net interest margin of 3.65%, which is a three basis point increase on a linked-quarter basis, an increase in net interest income of $500,000, or 1.1% over the fourth quarter of 2025, an increase in tangible common equity per share of common stock at $0.33 or 5.9% annualized from December 31, 2025, a return on average assets and return on average equity of 1.24% and 13.43%, respectively, net growth in total deposits, less brokered time deposits of $80.4 million, or 6.9% annualized from December 31, 2025, net growth in loans of $31.8 million or 3% annualized from December 31, 2025.”
“For us to achieve our guidance, which is about flatish same-store sales growth, we pretty much need to see growth this quarter, and depending on the strength of the growth, it could drive margins, consolidated margins, down from the 34% as an example.”
“This gives us confidence in the 2026 full-year guidance that we provided in our previous earnings call, despite the macroeconomic challenges.”
“We expect segment margin to be in the range of 22.2%-22.5%, down 10 to up 20 basis points, led by pricing and productivity actions that we expect will largely offset rising inflation and unfavorable mix in Process Automation and Technology due to timing of high-margin catalyst shipments and the impact from the Middle East.”
“Gross profit margin decreased 400 basis points to 44.6%, primarily due to the impact of higher tariffs, less favorable inventory obsolescence than in the prior year, higher retail trade and promotional expense, and a less favorable channel mix within home and outdoor.”
“All of this will likely result in full year operating leverage that is modestly lower than our initial guidance, and we now expect it to be in the range of 400 basis points-450 basis points for this year.”
“I am pleased to report that Getty is off to a strong start in 2026, highlighted by a 13.1% year-over-year increase in our annualized base rent, a 6.8% increase in our AFFO per share, and an increase to our full year 2026 earnings guidance.”
“Maybe just give us a little bit more color, if you can, on what's driving that and thoughts on pay downs, the timing of the slowing going forward, and if you're still comfortable with, I think we talked about 6%-8% growth for the year last quarter.”
“This includes our largest remaining 2026 expiration, the 556,000 sq ft building in Southern California, for which we achieved a cash rental rate change that significantly exceeded the top end of our annual guidance range of 40%.”
“On slide 14, we show our three-year outlook for sales volumes of copper, gold, and molybdenum.”
“Commercial revenue was $271 million, a 48% increase over last year, reflecting both increased transaction volumes and significantly higher average revenue per order.”
“Building on a year in 2025 marked by solid financial performance and strategic progress, we delivered another strong quarter in Q1, achieving 12.7% sales growth, which reflects the impact and durability of our differentiated strategy.”
“Our adjusted returns on average assets and equity continue to be industry-leading at 2.37% and 18.95% respectively, while we invest our current resources to support future growth and maintain excellence in client service from which our customers have grown accustomed.”
“That weakness really manifests itself in kind of sort of flat to down-ish 2%-3% sales and some margin pressure, maybe 100-200 basis points, where that kind of flows through to maybe 10-20 basis points on rent coverage.”
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