Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
Dow Q3 2025 Earnings Call - Strategic actions boost cash, cut costs and guide Q4 EBITDA ~$725M
Dow delivered sequential earnings and cash improvement in Q3 despite a prolonged industry downcycle. Net sales were $10.0 billion, adjusted EBITDA $868 million, and operating cash rose to $1.1 billion...
- Q3 net sales $10.0 billion, adjusted EBITDA $868 million, sequential earnings and cash improvement versus Q2 but lower year over year.
- Operating cash from operations was $1.1 billion in Q3, up $1.6 billion sequentially, driven by working capital releases and advanced payments under long-term supply agreements.
- Management has executed or begun more than $6.5 billion of strategic actions and cash support items year to date, including portfolio moves, asset partnerships, and cost programs.
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T-Mobile US Inc. Q3 2025 Earnings Call - Widening Network and Digital Differentiation fuels record postpaid growth and raised guidance
T-Mobile reported a blowout Q3 marked by record postpaid account growth, over 1 million postpaid phone net adds, and outsized revenue and cash conversion. Management says widening network leadership p...
- T‑Mobile delivered an exceptionally strong Q3: best ever postpaid account growth, best ever total postpaid net additions, and over 1 million postpaid phone net additions, its best Q3 in over a decade.
- Management raised full-year customer guidance: total postpaid net additions now expected at 7.2 to 7.4 million, and postpaid phone net additions at ~3.3 million.
- Postpaid ARPA growth is accelerating, now guided to at least 3.5% for the full year including dilutive M&A impacts; ex-M&A ARPA growth is expected around 4%.
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Core Laboratories Inc. Q3 2025 Earnings Call - Sequential margin recovery as international services offset U.S. onshore weakness
CoreLab delivered a quietly constructive quarter. Revenue was essentially flat year over year at $134.5 million, but the story is sequential: revenue, operating income, and EPS all improved as interna...
- Total revenue $134.5 million in Q3 2025, up 3% sequentially and flat year over year.
- Service revenue, more international, was $101.1 million, up 5% sequentially and up over 2% year over year.
- Product sales were $33.4 million, down slightly sequentially and down about 6% year over year, reflecting weaker U.S. onshore completion activity.
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Dime Community Bancshares Q3 2025 Earnings Call - NIM tops 3% with a clear path to further expansion via deposit cuts and backbook repricing
Dime reported a quarter of accelerating core earnings and margin improvement, with pre-tax, pre-provision income rising to $54.4 million and NIM crossing the 3.00% threshold. Management credits discip...
- Core pre-tax, pre-provision income rose to $54.4 million in Q3, up from $49.4 million in Q2 and $29.8 million a year ago, signaling accelerating core earnings power.
- Reported NIM increased to 3.01% in Q3 (2.98% excluding prepayment fees and purchase accounting), marking the sixth consecutive quarter of margin expansion.
- Management sees meaningful NIM expansion into Q4 driven by lower deposit costs after the September Fed cut and sustained loan yields; they estimate roughly +5 basis points of NIM per 25 bp cut from deposit-side savings.
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OceanFirst Financial Corp. Q3 2025 Earnings Call - Loan-fueled NII growth and residential outsourcing to boost margins above 3%
OceanFirst delivered a quarter of clear momentum and careful housekeeping. Loan originations hit $1 billion, driving $373 million of loan growth and a fourth consecutive quarter of rising net interest...
- Reported EPS of $0.30 GAAP and $0.36 on a core basis for Q3 2025.
- Net interest income grew for the fourth straight quarter, rising $3 million quarter over quarter, fueled by loan growth.
- Total loans increased $373 million in the quarter, a 14% annualized growth rate, supported by $1 billion of originations.
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Churchill Downs Incorporated 2025 Q3 Earnings Call - Record Q3 Results and a $280-300M Victory Run bet to upgrade the Derby
Churchill Downs posted record net revenue and record adjusted EBITDA in Q3 2025, driven by strong performance across live and historical racing, Exacta wagering tech, and regional gaming. Management d...
- Q3 2025 delivered record net revenue and record adjusted EBITDA company wide, with record results in Live and Historical Racing and Wagering Services and Solutions.
- Live and Historical Racing segment grew revenue 21% and adjusted EBITDA 25% year over year; this marks the 21st consecutive quarter of year over year record growth for that segment.
- Churchill announced Victory Run, a $280 to $300 million build just past the finish line, replacing dated seating with premium suites, covered boxes, and indoor/outdoor dining, targeting completion for the 2028 Derby.
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Gentherm Q3 2025 Earnings Call - Record revenue, $745M awards and Mercedes-Benz conquest
Gentherm reported a beat in Q3 2025, driven by record quarterly revenue of $387 million, stronger-than-expected light vehicle production, and a surge in automotive new business awards. The headline: $...
- Record quarterly revenue of $387 million in Q3 2025, up 4.1% year-over-year (2.4% ex-FX).
- Automotive new business awards hit $745 million in Q3, bringing year-to-date awards to $1.8 billion and keeping the company on track for full-year awards above $2 billion.
- Mercedes-Benz conquest win on high-volume platforms (S-Class, GLS, GLE, CLS) includes Gentherm’s Pulse A massage system, is 100% incremental revenue, and will more than double lumbar and massage revenue with that customer when production begins in 2028.
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Gentherm Third Quarter 2025 Earnings Call - Record Revenue and $745M Auto Awards Accelerate Adjacent Market Push
Gentherm reported record quarterly revenue of $387 million and secured $745 million of automotive new business awards in Q3, taking year-to-date awards to $1.8 billion and keeping the company on track...
- Q3 revenue hit a record $387 million, up 4.1% year-over-year, or +2.4% excluding foreign exchange.
- Automotive new business awards totaled $745 million in Q3, one of the highest quarters on record for Gentherm.
- Year-to-date automotive awards are $1.8 billion, placing the company on track to exceed $2.0 billion for the full year.
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Altisource Portfolio Solutions Third Quarter 2025 Earnings Call - Renovation and Lenders One Drive Revenue Growth; Pipeline Strength and Lower Interest Expense Improve Results
Altisource posted a modest but solid Q3. Service revenue rose 4% year over year to $39.7 million, driven by a ramp in renovation work and strength in Lenders One, Foreclosure Trustee, Granite Construc...
- Total company service revenue rose 4% year over year to $39.7 million in Q3 2025, led by renovation and growth in Lenders One, Foreclosure Trustee, Granite Construction Risk Management, and Field Services.
- Business segments generated $10.9 million of adjusted EBITDA, a modest improvement versus Q3 2024, while company adjusted EBITDA was flat at $3.6 million due to revenue mix shifting to lower-margin renovation work.
- GAAP loss before income taxes improved to a pre-tax loss of $1.7 million in Q3 2025, versus a $8.5 million loss in Q3 2024, largely from significantly lower interest expense.
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Stewart Information Services Third Quarter 2025 Earnings Call - 19% Revenue Growth, 40% Earnings Surge as Commercial and Agency Grab Share
Stewart reported a strong Q3 2025, delivering 19% revenue growth and roughly 40% adjusted earnings expansion against a housing market stuck near multi-year lows. Results were driven by broad-based str...
- Company-wide revenue grew 19% year over year in Q3 2025, with total reported revenues of $797 million.
- Adjusted net income rose about 41% to $47 million, while GAAP net income was $44 million or $1.55 per diluted share.
- Title segment operating revenues increased $107 million, up 19% YoY; adjusted title pre-tax income was $61 million, a 40% rise, with pre-tax margin improving to 9% from 7.7% a year ago.
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