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 577–672 of 6702.显示第 577–672 条，共 6702 条。
“On the left, you can see that equipment-adjusted segment EBITDA margin increased from 7.1% in Q1 to 17.1% in Q3, fueled by the explained operating leverage and pricing.”
“We saw strong organic momentum with commercial loan growth of nearly 21% annualized, solid deposit growth from our business and municipal customers, and improved earning asset yields.”
“Operationally, we anticipate over 20% year-over-year growth in adjusted operating profit on a full-year basis at the midpoint of our outlook range, an increase versus our prior expectation, driven largely by stronger volume growth, while the impact of incremental cost inflation, price, and productivity actions result in an anticipated adjusted operating margin range of 23.0%-23.2% for the full year.”
“Shifting from the year-to-date results to our full year 2026 and beyond expectations, the majority of the details on the figure on slide 10 should look familiar to everyone as we are reiterating all aspects of our financial guidance, including our expectations to deliver a nonlinear EPS CAGR over the 2026 to 2030 period at or above the top end of our 6%-8% long-term organic EPS growth target.”
“To remind you of those targets, revenue rising to 5% year-on-year growth by 2028, excluding notable items; return on tangible equity of 17% or better, excluding notable items each year; dividends, 50% of earnings per share, excluding material notable items and related impacts.”
“At the new midpoint, we expect second half equipment rental revenue growth of approximately 14% on average OEC fleet growth of approximately 4%, culminating in full-year pro forma rental revenue growth of about 8% on roughly 2% average OEC growth.”
“This is already a new annual record and north of our 20% growth target, with still a few months to go left in the year.”
“For the full-year, we now expect RevPAR growth of 4%-4.5% as business transient momentum carries into the fourth quarter, particularly in the U.S., where supportive policy, increased private sector investment, including AI, and ongoing public infrastructure spending are supporting demand.”
“Excluding the amortization, we expect the core earnings impact of the acquisition to be modestly dilutive in 2027 and to improve each year as the business integrates and scales.”
“First, we expect demand for services to remain strong with volume growth forecasted to be 2%-3%.”
“Coupled with that, any impact to the outlook in a higher for longer scenario or maybe preliminary thoughts about 2027 growth?”
“As phase II comes online next year, we expect to exit 2027 at an annualized leasing revenue run rate of between $800 million and $850 million, based on our current delivery schedules.”
“We increased operating margin 310 basis points to 22.7%, and we improved ROIC 330 basis points to 16.7%, all while delivering $661 million of free cash flow after investing over $500 million in capacity to support future growth.”
“Resilient demand in the key markets where we operate and the very strong operating performance of our facilities in the region resulted in an EBITDA margin of 27.7%, the highest in four years.”
“In addition to the strong bottom-line performance and continued integration of the acquired business, highlights in the third quarter included our net interest margin expansion to 3.82% over the last quarter and continued strong service fee income revenues, which again accounted for 21.9% of total revenue.”
“Q3 2026 was another quarter of solid execution for Five Star Bancorp, highlighted by continued balance sheet growth, net interest margin expansion, strong profitability, and the successful completion of our underwritten public offering.”
“During the quarter, net sales increased 3.2% compared to the prior year toward the upper end of our guidance range and marked our 12th consecutive quarter of year-over-year growth.”
“That positioning, combined with the strength of our pipeline as we exit FY 2026, supports our FY 2027 revenue growth outlook of 8%-9%.”
“The progress we have made throughout 2026 positions us for significant growth in volumes, margins, and cash flows in 2027 and 2028, as Maree will cover shortly.”
“Again, like I said to Justin, Tim, if at any point on the call or after the call you want to talk about 2027, both Michael and I have modeled that out and are comfortable with the revised guidance, which is why we put in our earnings release that we believe we are going to exceed the guidance we printed on March 12th with the deal.”
“This fell short of our original expectation for sell-through growth of approximately 10%, which contributed to us delivering revenue towards the lower end of our guidance.”
“As reflected in our earnings release this morning, these headwinds have been more persistent than we expected when we gave our outlook earlier this year, leading us to revise our full year guidance.”
“Since launching One Ecolab, we've generated over $400 million of sales growth with our largest 35 customers only, capturing more than a 10% incremental share of our targeted $3.5 billion gross opportunity with these 35 customers.”
“With Q4 production guided to 35,000 metric tons-45,000 metric tons, what sales volume do you expect in Q4, and how much of the $140 million in customer advances will be delivered against this quarter?”
“For adjusted operating income margin, we have narrowed our guidance to the top end of our prior range and now expect 16%-16.5% for the full year.”
“As a result, SaaS ARR grew 35% year-over-year to $454 million, reflecting new customer growth, multi-product expansion from existing customers, and double-digit growth in ARPA or average revenue per account.”
“The medical end market continued to be a significant growth driver in the third quarter, generating revenue of $27 million, an increase of 21% year-over-year, and decrease of 4% sequentially, mainly due to timing of orders.”
“Our new sales backlog ended Q3 at $342 million, up $19 million sequentially, and at 3.8 months, just below our targeted range of four to six months of new equipment sales.”
“In the U.S., the interest rate environment drove the pending home sales index to its lowest level on record in September, and multifamily remains under pressure, with 8% vacancy, rent growth of 1%, which is real growth of negative, and the 43% of properties offering concessions in September, the highest we have ever observed.”
“Gross margin expanded by 5.1 percentage points to 16.1% in the quarter, reflecting higher sales volumes and lower cost of sales per ton.”
“The strength of this growth gives us the confidence in our ability to deliver non-GAAP EPS growth at the mid to high end of our 7%-9% range through 2030 and 7%-9% annually through 2035 through investments that strengthen reliability, support affordability, and power economic development across our service territories for the benefit of our customers.”
“The strength of the underlying business allowed us to absorb the impact of these adjustments, and we now expect Marketplace will produce a full-year pre-tax margin at the top of our previous range of 4.5%-5%.”
“Today, my remarks will largely focus on continued execution through 2026, our reinvestment of favorable performance, which will benefit customers, strengthen next year, and future long-term growth.”
“At the end of the third quarter, our inventory balance was $4.5 billion, a sequential increase of $1.1 billion and a year-over-year increase of $2.5 billion, as we support very strong demand with an accelerating growth outlook in 2027.”
“Year-to-date VCR was 5.8%, and our quarter-end book value was $105.42 per share, with $16 billion of GAAP consolidated shareholders' equity, providing plenty of capacity for the profitability growth of our insurance operations.”
“Maybe you could unpack the outlook for margins and balance sheet growth.”
“Based on these assumptions, we would expect full year net income margin of 6.0%-6.1% at the sales estimate provided, consistent with our long-term algorithm of 25 to 35 basis points of annual margin expansion.”
“Reported net interest margin rose 15 basis points from the second quarter to 3.41%, exceeding our guidance range provided on our last call.”
“We will provide details on our 2027 outlook with our year-end earnings as usual.”
“Well, is there any way we can think about unit volume in regards to the guidance that you're giving of 1%-3% organic growth?”
“The decrease was primarily due to improved free cash flow of $16.6 million during the quarter from better profitability across our businesses, more stable working capital needs, and the receipt of tariff refunds.”
“As we mentioned earlier, because of ample liquidity and increased competition in the region, we expect net interest margin compression of around 5 basis points, with NIM ending the year at roughly 2.25%.”
“Our previous guidance reflected a potential revenue deferral impact of up to $10 million in the fourth quarter as new prospective iLet users could choose to await the launch of Mint.”
“Building on the momentum we've seen this quarter, we now expect full year revenue between $150 million-$165 million, representing a 5% increase at the midpoint versus the guidance range we provided earlier this year.”
“For 2027, in addition to the absence of the DOJ payment made in 2026, we expect free cash flow growth to be driven by higher commercial deliveries, modestly improved cash margins on the 737 and 787 programs, continued improvement at BDS, and continued steady growth at BGS.”
“For the Mineral Fiber segment, we have slightly lowered our full year net sales growth assumption to approximately 6.5%, with about one point of volume growth and AUV growth of approximately 5.5%.”
“We estimate that 17 basis points of the decline resulted from average interest earning cash balances that were $205 million higher during the quarter, including the impact from the temporary deposits Mark mentioned earlier, along with the overall strong growth in deposit average balances.”
“Despite current challenges in the life science real estate market, we continue to benefit from a high quality tenant base, with 57% of our annual rental revenue coming from investment-grade or publicly traded large cap tenants, long remaining lease terms of seven point seven years, average rent steps approaching 3% on 97% of our leases, and strong adjusted EBITDA margins of 65% for the quarter.”
“Further supporting the strength of our portfolio, our overall risk ratings remain stable with a weighted average of 3.1 and 19% of the portfolio at fair value in our lowest risk category, Grade four, where we expect to realize returns above our cost basis.”
“We are reiterating our organic growth assumptions across all regions and continue to expect organic tenant billings growth of approximately 1%, or approximately 4% when excluding DISH churn, and raising our outlook for data center growth to approximately 16% year-over-year.”
“Customer activity was directionally positive throughout the quarter, with organic sales growth of 7% in line with our outlook provided in mid-August.”
“Gross margin for the first nine months of 2026 included a benefit of approximately 230 basis points from the tariff refund, partially offset by approximately 105 basis points related to the DMT closure cost.”
“Used retail gross profit grew 3% over last year, and we grew used retail GP by 10% to $1,777, reflecting our focus on growing volume profitably.”
“The year-to-date margin of 33.3% is in line with the prior year, despite ongoing investments to enhance our investment and distribution capabilities, along with the necessary infrastructure and some revenue timing impacts associated with onboarding the CML assets.”
“Given the strength of the third quarter and our visibility into the fourth, we are raising our annual guidance for postpaid phone net adds, adjusted EPS, and free cash flow, and we now expect mobility and broadband service revenue growth to be in the upper half of our 2.5%-3% range.”
“That 20% operating income margin is a target that we've been committed to hitting.”
“We are seeing strong demand across multiple generations of RCDs, supporting our outlook for another record quarter of product revenue in Q4, which we expect to grow more than 30% year-over-year.”
“Gross profit for Q3 2026 decreased 19.5% year-over-year to $50 million, driven by lower sales volumes.”
“Our portfolio and package strategy continued delivering strong results, with sparkling beverage volumes increasing 15.4% during the quarter, including 13.5% growth in colas, 19.2% in Coca-Cola Zero, and 23.9% in flavors supported by Quatro and Sprite.”
“For the full year, fiscal 2026 revenue was $2.5 billion and aggregate gross margin was 13.6%, reflecting continued cost discipline and the contribution from leasing and fleet management.”
“This quarter, we delivered year-over-year core FFO per share growth of 2.6%, in line with our 2%-3% stated long-term growth target.”
“Furthermore, we have made good progress towards our 2027 targets set out at the CEMEX Day earlier this year, with expansion in year-to-date EBITDA and EBIT margins, as well as free cash flow conversion rate ahead of our 2027 targets.”
“Looking at other metrics, net interest margin, $58.6 million for the quarter, is up 22% from $48.1 million last year.”
“We remain confident that the industry cycle will recover, and we will return to our cross-cycle target of adjusted EBITDA margins of 13%-14%, with more than $100 million of annual free cash flow.”
“At the midpoint of our updated 2026 outlook, we now expect revenue growth of 21%, operating margin of 44.7%, and EPS of $8.40.”
“Your guidance at the beginning of the year was for about 2.5%-3% growth, and you are tracking pretty nicely below that today.”
“Though organic loan fundings resulted in loan growth for the quarter, we supplemented that growth by using a portion of our excess liquidity to purchase a $31 million pool of California residential loans, which we expect to provide attractive risk-adjusted returns.”
“Moving on to the margin, our GAAP reported third quarter net interest margin increased 13 basis points linked quarter to 3.86%, while the non-GAAP core net interest margin, excluding purchase accounting accretion, increased 12 basis points from 3.68%-3.80% for the quarter ended September 30th.”
“During the 2026 quarter, we added 4.2 million committed and priced tons through 2028, and we remain essentially fully committed at the midpoint of our 2026 sales volume guidance with 31.7 million tons committed in price for 2027, which includes 700,000 tons to be shipped to meet Mettiki's new sales commitment I just talked about.”
“Looking ahead, we expect a step-up in CapEx in 2027, driven primarily by facility investment in Arizona, Korea, and Vietnam, as we expand capacity to support our long-term growth opportunities.”
“We started the fiscal year with a full-year revenue range guidance of $365 million-$370 million, and subscription revenue growth expectation of at least 30%, three zero.”
“For the fourth quarter of 2026, we expect revenue between $11.4 million and $11.6 million, a sequential increase from the third quarter of 2026 of approximately $550,000 at the midpoint, and approximately 20% annualized sequential revenue growth.”
“We expect the top-line data set to encompass primary endpoint results, key secondary outcomes, including the CDR-SB, safety evaluations covering adverse events and ARIA rates at a range of informative fluid and imaging biomarkers.”
“Clearly with mortgages above 7%, that definitely has an impact on your origination demand.”
“Earnings benefited from a 3.2% increase in revenue, as well as a 7.7% decrease in provisioning expense.”
“We also now expect adjusted NOI and Adjusted EBITDA margins to reach 94% and 84%, respectively, by year end, up from our prior guidance of 93.5% and 83%, underscoring our continuing focus on expense control and on delivering strong results.”
“The net expense ratio was 26.4%, up 0.2 points compared to the prior year quarter, with the increase driven by higher policy acquisition costs associated with growth outside of Florida and higher other operating costs and expenses, partly offset by a lower ceded premium ratio.”
“Average loans grew 8.8% annualized over the prior year and 10% year over year, consistent with our guidance despite the typical summer slowdown.”
“Given the ongoing uncertainty, our fourth quarter outlook assumes Middle East revenue remains flat sequentially at approximately $1.9 billion, representing about 83% of revenue generated in the first quarter of 2025.”
“Year-to-date, target market homeowners' direct premiums written increased 8%, offset by a 12% decline in the more challenged auto line.”
“However, we remain focused on non-agency growth and increased overall non-agency volumes up 8% quarter-over-quarter and 30% year-over-year, despite the market conditions.”
“By completing $1.5 billion of dispositions year to date, we removed headwinds to our growth and reduced our future capital needs.”
“Our branded franchise comprising India, emerging markets, and consumer health business in nicotine replacement therapy, or NRT, together accounted for 53% of our overall revenue and continue to provide a strong foundation for stable margin for the company.”
“Despite lower market activity, Rogers grew cable service revenue for the sixth consecutive quarter, albeit modestly, as affected by the year-over-year impact from the December 2025 sale of our customer facing data centers.”
“Our new guidance ranges reflect our increased investment volume assumption of $310 million-$350 million.”
“With the outlook of a strong 2027 economy and relatively stable interest rate environment, we are looking forward to a good 2027 year.”
“Our net interest income increased 5.5% from the prior quarter due to an increase in net interest margin and an $81 million increase in average interest-earning assets.”
“First, between the end of Q3 and year-end 2027, leases in our SNO pipeline totaling $48 million in ABR are anticipated to commence, positively impacting occupancy and revenue.”
“FY 2025, we had expansion of margin, FY 2026 and H1 of FY 2027, we have been able to maintain our margins at 21% despite investing in business, whether it is sales and marketing, whether it is building our AI talent or investment in technology.”
“Based on the mid-October 2026 Mobility Global light vehicle production forecast, our current expectations for automotive, premium audio, and other products revenue, and despite the lower revenue for 2026, we are maintaining our 2027 revenue outlook of $2.8 billion-$2.9 billion.”
“Record earnings, a margin above 4%, strong deposit growth, disciplined loan growth, and excellent credit performance, all driven by Glacier's community banking model, demonstrate the power of the Glacier franchise and provide strong momentum heading into the fourth quarter and 2027.”
“In the third quarter, the mortgage company lost about $200,000, which included the $2.5 million reset in the open pipeline values and about $300,000 of provision for growth in portfolio and construction loans.”
“On the C&I growth side of things, the pipeline at $2.7 billion, to what extent could the higher rate environment impact the pull-through of that pipeline?”
“We remain on track to have over 4 million square feet of space in our modular businesses by the end of 2026, and with ongoing orders and investments to meet that demand, we expect to have approximately 6 million square feet of capacity by the end of 2027.”
“That exit contributed an approximately 3 basis point improvement to our net interest margin in the quarter and did not have a material impact on net interest income.”
“Net interest income increased, deposit costs declined while deposit balances grew, and the margin increased 5 basis points.”
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