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 6145–6240 of 6702.显示第 6145–6240 条，共 6702 条。
“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.”
“Looking ahead, we expect the total company net revenue margin for the second quarter of 2026 to be in the 55%-60% range.”
“We increased our projected 2026 development starts by $15 million to $265 million, primarily driven by the 100,000 sq ft pre-leased building expansion that was not contemplated in our prior guidance figure.”
“We continue to expect full-year NIM in the 2.6%-2.8% range, non-interest income growth of 15%-25%, and non-interest expense flat to down 4% when adjusting for the notable items I mentioned.”
“With the Fed seemingly on hold, we expect our net interest margin to remain in the low to mid 4.2%.”
“Second, the 0-1 MW signings boosted our 2026 outlook, while the greater than 1 MW leasing increased our total backlog to a total $1.8 billion, or $1 billion at Digital Realty share, providing strong visibility for our growth into 2027 and 2028.”
“As a result, in the second quarter, we expect to have a modest $2 million negative impact in the gain on sale line item on the income statement.”
“Adjusting for winter storms, we estimate that cement, ready-mix, and aggregate volumes would have increased by 1%, 5%, and 10% respectively, reflecting a slight improvement in underlying market demand.”
“Our net interest margin expanded by 13 basis points over the prior year quarter to 3.44% as our earning asset yields increased by 7 basis points, while our cost of funds decreased by 7 basis points.”
“Based on our execution and the actions already underway, we are reaffirming our full-year 2026 outlook of low single-digit revenue growth and approximately 50 basis points of adjusted EBITDA margin expansion.”
“For adjusted EBITDA, we're pacing confidently to our annual adjusted EBITDA margin target of approximately 9%, expecting to deliver in the range of $70 million-$76 million as we work within our full year framework.”
“Yeah, I don't think that we'll see a big headwind in terms of non-interest-bearing deposit growth relative to 90 days or 180 days ago when we expected two rate cuts.”
“Again, the growth is fantastic, and the fact that it provides significant customer affordability benefits by effectively spreading the fixed cost of our system out over a much larger customer base provides near-term opportunities for earnings for incremental demand charges, and then sets us up for incremental transmission projects that likely will need to be executed before the end of the decade, and again, supports the build-out of the 765 kV system early into the next.”
“Excluding merger and restructuring charges, non-interest expenses were $55.7 million for the quarter, and I am targeting a 1.5% per quarter sequential growth rate going forward.”
“We expect to end 2026 with free cash flow conversion around the high end of our 75%-85% target range.”
“Loan growth in the first quarter was lower than what we realized in 2025, and we mentioned last quarter that we expected 2026 to trend closer to the 8% end of our 8%-12% growth target.”
“Finally, we are reaffirming our free cash flow guidance of at least $725 million, even after absorbing nearly $50 million of transaction costs, interest expense, and an increased investment in capital expenditures.”
“Overall, revenues grew 4% in the quarter, while EBITDA grew 5% and margins improved to nearly 37%.”
“Turning to key highlights on slide four, we delivered slight revenue growth of 0.3% year-over-year and EBITDA growth of 14% year-over-year, expanding our EBITDA margin from 15.3%-17.4%, supported by improving profitability across all of our business units.”
“On an annualized basis, this level of growth is consistent with our previously communicated guidance of 4%-5% for the full year, and our pipeline remains strong.”
“Given the slower demand in the consumer and auto segments, we expect consolidated loan growth in 2026 to be at the low end of our original 3%-4% range.”
“We anticipate full-year net interest margin to be higher than 2025 as a result of continued benefits, albeit slowing, from implemented pricing changes and improving funding costs.”
“Customer-related expenses declined $1.1 million quarter-over-quarter due to the impact from Q4 rate cuts on ECR cost.”
“Our consumer end market performed well, growing at 6% on higher volume of coated aluminum, driven by the shift from plastic to aluminum in the beverage market and the continued ramp of the new Washington, Missouri facility while our transportation category declined by 3% due to weaker overall on-demand for semitrailers.”
“Most notably, we expect a low single-digit impact to spend growth in SME starting in Q2 until we lap the portfolio exits.”
“Domestic traffic growth 12%, outpacing 7% growth in international passengers.”
“After including the impact of American National acquisition, we now expect 2026 period end total deposit growth of 17% to 19%, and period end customer deposit growth of 19% to 21% as compared to associated stand-alone results for the year ended December 31, 2025.”
“We are raising our guidance for annual revenue to a range of $1.110 billion to $1.125 billion, for a full year midpoint growth rate of 17.5%, fueled by adoption of our premium care offerings, growth in new business units and increasing adoption of our products and services including agentic AI performers and new resident services.”
“As we go through 2026, our strong foundation, coupled with our ERM capabilities and decisioning framework positions us well to continue investing for growth in a targeted way and return capital to shareholders at a differentiated pace.”
“On a constant currency basis, adjusted EBITDA increased by 36%, principally due to higher input cost recovery and favorable volume mix, including the impact of the IFRS 15 contract asset, partly offset by higher operational and overhead costs.”
“Additionally, our net interest margin expanded to 3.75% driven by higher-yielding commercial loan originations and modest reductions in overall funding costs, though we expect our net interest margin to moderately decline in the second quarter related to balance sheet growth.”
“First quarter revenue grew 10.8%, and we expect this demand strength to continue, as we anticipate the second quarter will deliver revenue growth of approximately 15%.”
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