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 6049–6144 of 6702.显示第 6049–6144 条，共 6702 条。
“This momentum underpins our expectation for sustained growth in both revenue and adjusted EPS throughout 2026, while our outlook for 2027 has strengthened compared to just 90 days ago.”
“The midpoint of this outlook calls for an approximate 44% EBITDA growth and 170 basis points of margin expansion for the full year.”
“We increased the midpoint of FFO per share guidance by $0.01 to $2.76, which is driven by the contribution from both the outperformance during the quarter and the Mission Ridge land acquisition, partially offset by the accounting treatment for the dilution from our exchangeable notes.”
“Our 2026 guidance assumes lab products generates $45 million-$50 million in annual revenue, $26 million-$30 million in gross profit, $21 million-$24 million in operating expenses, approximately half a million dollars in depreciation, and contributes $3 million-$9 million in EBITDA.”
“As we look at the year as a whole and given what we see today, including the impact of the Middle East crisis, we continue to see a balanced makeup of our 3%-4% revenue growth for the year with a nice split between volume mix and rate.”
“We remain encouraged by the continued resumption of growth in our balance sheet, with ending loans excluding other consumer of nearly 6% annualized quarter-over-quarter and average deposits of 5% year-over-year.”
“Our current interest rate outlook calls for slower and more gradual net interest margin expansion throughout 2026 as the likelihood of further Fed rate cuts has decreased.”
“We expect base rent contribution to growth will accelerate as the year progresses, and we continue to expect revenues deemed uncollectible of 75 to 100 basis points of total revenues, supported by ongoing positive trends in rent collections.”
“The revenue model of this business in terms of consulting business, is changing and is expected to negatively impact organic growth by 50 to 100 basis points over the next couple of quarters.”
“This all supported delivery of $3.2 billion of underlying net income, significantly higher than the Q4, and $8.9 billion of operating cash flow before a working capital build of $6 billion.”
“That would result in fiscal fourth quarter margin in the high 29s and for the year in the 27s for the full year, both representing meaningful margin expansion ahead of plan and on our way to 30%+ margins later in 2027, all ahead of plan as presented last quarter.”
“Lower product margins reflect deposit mix and pricing and part of the circa GBP 100 million headwind that we guided to at full year.”
“Full year 2026 growth margin is expected to remain in the range of 74%-76%.”
“With an improvement in sales and lower cost headwinds, we expect AS segment adjusted EBITDA margin to significantly improve in the second quarter and that we will continue to make meaningful progress and expand margin toward our goal of 20% or greater EBITDA margin on a full year basis.”
“As a reminder, the fourth quarter included a $726 thousand interest reversal on nonperforming loans, which reduced our margin in the fourth quarter by 12 basis points.”
“During the quarter, the percentage of customers leaving us to purchase a home declined to 8%.”
“We are reiterating our 2026 outlook with 2026 revenue growth within our guided range of 10% to 12% and adjusted EBITDA margins between 28% to 30% and EPS growth of 12% to 14%.”
“The decline in total lease volume was driven by the following: first, as expected, lower renewals and re-leasing space given the 657,000 square feet of key known lease expirations that we anticipated would become vacant during the quarter; and second, limited demand from public biotech with 0 leasing volume in the first quarter a segment of our tenant base, which accounts for 24% of our annual rental revenue.”
“In 2026, we are focused on automating workflows and enhancing pricing precision to improve competitiveness, reduce latency, and capture a larger share of institutional flow, driving margin expansion in our execution solution segment through higher volumes and greater operation efficiency.”
“And finally, with respect to our outlook for the year, we are raising our reported revenue outlook to 6% to 8% to include the DCI acquisition, and we are affirming our outlook for organic revenue growth of 2% to 4% and adjusted earnings per share of $8.70 to $8.90.”
“In our consolidated results, we estimate that the weather impacted gross profit by $19 million and EPS of $0.56.”
“Looking ahead, we are encouraged by our institutional outlook, supported by a record pipeline of $27.5 billion, including public market mandates expected to fund next quarter and private markets mandates expected to fund by year-end, most notably the increased $12 billion commercial mortgage loan mandate from Equitable.”
“On the back of our first quarter performance, the leading indicators we see in our business and the traction we are seeing in our transformation work streams, we are raising our guidance for adjusted EPS growth to 5%-6% versus the prior range of 4%-5%.”
“Our consolidated operating earnings of $97 million represented a 5.7% margin, and our net cash from operating activities came in at $122 million.”
“We are seeing an impact in our 2026 outlook from increased fuel costs.”
“Although earnings and profitability were down slightly, the March quarter is typically our weakest quarter from a profitability perspective, and we actually had less impact from the seasonality than we typically see due to lower average cash balances as we decreased our brokered funding compared to the year-ago quarter, and because we experienced stronger loan growth.”
“Our revenue of $4.0 billion came in well above our outlook range, driven by strong execution and customer demand for the ZT Systems business, resulting in some accelerated compute shipments previously expected in the second half to shift into the second quarter.”
“We expect Q2 non-GAAP total operating costs, which includes cost of sales, to be between $110 million and $114 million.”
“With conclusion of Petrobras' extensions in April, this month alone has already had more than 40 additional UDW rig years fixed, bringing year-to-date backlog additions significantly above the entirety of last year's contracting volumes for the full year.”
“A useful way to evaluate revenue performance under this accounting transition is risk-adjusted revenue or revenue less provision for credit losses, which grew 58% to $252 million due to the revenue growth I just described and the materially lower provision for credit losses under fair value option.”
“Based on our current plans, we expect our existing cash equivalents, and marketable securities will be sufficient to fund our operating requirements into 2029, providing runway to advance pociredir through the next phase of clinical development.”
“Over time, we expect this pressure to contribute to more store closures on top of the roughly 450 closures our two public pizza competitors have already announced for 2026.”
“We saw strong momentum in sales volume with an 11.7% increase year-over-year, driven primarily by higher demand for cement and concrete.”
“In 2024 and 2025, you kinda had an operating margin profile where we had the dilutive impact of the Beta acquisition in 2024, but then, you know, margins improved dramatically in 2025 as we got the synergies and we got the benefits of making that more profitable.”
“Our net interest income increased from the prior quarter to $30.3 million due to average balance sheet growth and higher investment security yields and reduced deposit costs, as well as the positive churn in the loan portfolio that Tim discussed, resulting in a 6 basis point increase in our net interest margin.”
“Moving on to the margin, our GAAP-reported first quarter net interest margin decreased 6 basis points linked quarter to 3.65%, while the non-GAAP core net interest margin, excluding purchase accounting accretion, decreased 4 basis points from 3.64% to 3.60% for the quarter ended March 31.”
“It is my belief that if we continue with low to mid-single-digit revenue growth in our primary business, and we're able to stabilize the margin as we have for the last 12 months, continue to stabilize it, and we're able to expand the home services business, the $60 million of eliminated costs puts us way ahead of needing to worry about being cash flow positive.”
“As a result, our 2026 expected coal sales volumes are now more than 95% committed and priced at the midpoint of our guidance ranges.”
“So as far as that 1% to 2% impact on operating income margin that was anticipated to be a full year impact based on our estimate of currently when we believe those costs will begin.”
“Based on everything we know today, we are reaffirming our guidance, which includes our adjusted revenue outlook for 2026 at 6%-9% revenue growth, inclusive of the Intermex acquisition, which we continue to expect to close in the second quarter of this year, and our adjusted EPS for the full year, we believe will be between $1.75-$1.85.”
“Maybe Cash Connect overall profitability diminishes a bit, but what impact does removing those 3 cuts have on that ROA target of 140 ±?”
“Our adjusted NOI margins decreased 52 basis points year-over-year to 95.1%, reflecting higher operating property costs relative to rental revenues in the quarter.”
“The net expense ratio was 25.8%, up 1.3 points compared to the prior year quarter, with the increase primarily driven by a higher ceded premium ratio and higher policy acquisition costs associated with growth outside of Florida.”
“With your 2026 EPS outlook reiterated, can you talk a little more about your embedded finance offering and this initiative's impact on 2026 results?”
“On the capital allocation front, we still expect consolidated capital expenditures of $150 million-$170 million in 2026 to ensure that we are prepared for the forthcoming natural color conversion activity and that we can achieve our $1 billion sales goal.”
“Second, for organic loan growth, loan pipelines have grown 50% since last summer, and that's resulted in solid annualized loan growth of 8% in the fourth quarter, and then another 7.5% loan growth in the first quarter.”
“Actually, we have made great progress this quarter to secure additional customers that give us further visibility into the demand for our capacity in 2027 and 2028, and as indicated, developing more growth and scaling more than what I've mentioned as an exit rate going forward.”
“The equity is a little bit under $300 million it's about $287 million the commercial real estate portfolio, this is all post-2024 vintage things that we've done is $236 million, and we have give or take a little bit under $100 million in cash and liquidity.”
“Furthermore, we are raising our 2026 outlook for investment volume by $100 million and increasing guidance for FFO and AFFO per diluted share to new ranges that imply approximately 12% growth at the midpoints.”
“As we saw in our press release this morning, we are maintaining our fiscal 2026 guidance ranges across organic sales growth, core EPS, and adjusted free cash flow productivity.”
“Starting with RIS, and as shown on slide five, pre-tax operating earnings of $318 million increased 4% year-over-year, driven by 3% net revenue growth and margin expansion.”
“If you look at $150 million pipeline and the $185 million that we've closed, we're sitting in a great spot to certainly be in the range of our guidance between $400 million and $500 million, if not more, based on the opportunity set that we see.”
“To recap, our guidance is for mid to high single digit loan and deposit growth, NIM growing past 3% in the back half of the year, other income ranging from $7-$9 million per quarter, and expenses stable at $70-$71 million per quarter.”
“Overall, Intermodal revenue declined 1%, and revenue less fuel decreased 2% due to these volume impacts, while improved pricing and positive mix within the segment drove RPU higher by 3% and RPU less fuel higher by 2%.”
“In closing, we announced Reaching for Sustainable Growth, our vision for business in 2030, in May 2024, and set as numerical targets the consistent attainment of ROE of 8%-10% or more, and income before income taxes of more than JPY 500 billion.”
“We have improved earnings 27% from the first quarter of 2025, with growth in our balance sheet, net interest margin improvement, and a 4.5% year-over-year growth in our fee-based income as well.”
“Our net interest income increased 19.7% from the Q1 of 2025 due to an increase in net interest margin and an increase in average interest-earning assets.”
“With this updated guidance, FY 2026 will be a year of solid double-digit year-over-year sales growth, further expansion in adjusted operating margin, even stronger double-digit growth in adjusted diluted earnings per share, and improved free cash flow conversion.”
“As Mike just noted, the profitability of the business continues to be strong, with net income and net operating earnings increasing by 26.1% and 36.3% respectively quarter-over-quarter.”
“When I think about the winter storm specifically, and in my prepared comments, we indicated that that was 30 basis points impact on year-over-year volume growth on admissions and a 50 basis points impact on year-over-year ER visits.”
“Based on the S&P Global Mobility light vehicle production outlook and the company's estimates for premium audio, aerospace, medical, fire protection, and consumer electronics products, the company has updated its expected calendar year 2027 revenue range to be between $2.8 million and $2.9 billion.”
“As we did, as we entered 2024, we sit in a very enviable position with a clear and well-documented line of sight toward a very healthy multi-year AFFO growth, both in our acquisition and development pipelines.”
“The net interest margin as a percentage of earning assets on a tax equivalent basis was 3.80%, an increase of 22 basis points from the prior quarter and an increase of 76 basis points from the prior year first quarter.”
“In the quarter, our earnings crept up to 57 basis points on closed volume, compared to 46 basis points in the same period a year ago.”
“The transaction is expected to close in early May, and we expect our new partner to initially contribute annualized revenues of roughly $250 million with EBITDA margins in the 8%-10% range.”
“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.”
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