Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
United Airlines Q4 2025 Earnings Call - EPS Grows Despite Major Disruptions, Investment-Grade in Sight
United leaned into its decade-long premium strategy and came away with a tidy proof point: resilient earnings and operational outperformance through a year of one-off shocks. Q4 delivered $3.10 EPS (w...
- Q4 EPS of $3.10, within company guidance of $3.00–$3.50; full-year 2025 EPS $10.62, slightly up versus 2024 despite major headwinds.
- Company estimates a ~$250 million pre-tax earnings hit in Q4 from the U.S. government shutdown and cites an additional ~$0.85 EPS drag for the year from Newark-specific issues.
- Top-line: Q4 revenues rose 4.8% to $15.4 billion on a 6.5% capacity increase; consolidated RASM fell 1.6% in the quarter.
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Teledyne Q4 2025 Earnings Call - Record Q4 Results and 2026 Guidance Backed by Defense and FLIR Strength
Teledyne closed 2025 on a high note, delivering the largest quarterly orders, sales, non-GAAP earnings, and operating margin in company history. Defense programs, Teledyne FLIR infrared components, an...
- Q4 2025 was the company’s largest quarter ever for orders, sales, non-GAAP earnings, and operating margin.
- Q4 sales rose 7.3% year over year, and Q4 non-GAAP earnings increased 14.1%; full year sales rose 7.9% with non-GAAP earnings up 11.5%.
- Teledyne expects full year 2026 revenue around $6.37 billion and non-GAAP EPS near $23.65 at the midpoint, roughly in line with consensus.
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Charles Schwab Winter 2026 Earnings Call - Record 2025 Results and $519B Core NNA, Guiding to $5.70-$5.80 2026 EPS
Schwab closed 2025 with a clean, loud scoreboard: $519 billion in core net new assets, record $23.9 billion of net revenue, and adjusted EPS of $4.87, up 50% year over year. Management stresses a two‑...
- Record 2025 performance: $23.9 billion total net revenues, adjusted EPS $4.87, up 50% year over year.
- Core net new assets (NNA) reached $519 billion in 2025, a 42% increase versus 2024; 4.7 million new brokerage accounts opened, +13% year over year.
- Client scale and engagement: more than 46 million accounts and nearly $12 trillion in client assets; year avg daily trades hit a record 7.7 million, Q4 daily average was 8.3 million.
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Northpointe Bancshares Q4 2025 Earnings Call - Robust Loan Growth and Positive Operating Leverage Drive Strong 2025 Results
Northpointe Bancshares capped 2025 with impressive growth, pushing total assets from $5.2 billion pre-IPO to over $7 billion. The mortgage purchase program (MPP) led the charge with a $1.7 billion ann...
- Northpointe grew total assets from $5.2 billion at end-2024 to over $7 billion by end-2025, driven primarily by strong growth in its mortgage purchase program (MPP).
- Earnings per diluted share increased by 15% year-over-year to $2.11 in 2025, with returns on average assets (ROA) and tangible common equity (ROTE) improving to 1.33% and 14.43%, respectively.
- Tangible book value per share rose 13.9% annually, reflecting solid profitability and shareholder return focus since the 2025 IPO.
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SmartFinancial Q4 2025 Earnings Call - Strong Organic Growth and Strategic Expansion Drive Record Earnings
SmartFinancial closed 2025 on a high note, posting record earnings of over $51 million with solid 13% annualized loan growth and an 8% rise in deposits. The company emphasized a disciplined, organic g...
- SmartFinancial reported its best year ever with record net earnings over $51 million in 2025.
- Tangible book value per share increased to $26.85, a 17% annual growth rate.
- Loan balances grew by 13% annualized in Q4, with an overall 12% increase for 2025.
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Old National Bancorp Q4 2025 Earnings Call - Strong Finish with Record Profitability Amid Bremer Integration
Old National Bancorp closed 2025 with standout quarterly results, setting new company records in adjusted earnings per share, net income, and efficiency ratio. The bank successfully completed the Brem...
- Old National set company records in adjusted EPS, net income, and efficiency ratio in 2025.
- Bremer Bank partnership integration completed smoothly, expanding footprint and deposit base.
- Adjusted return on average tangible common equity approached 20% in Q4, signaling peer-leading profitability.
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Citizens Financial Group Q4 2025 Earnings Call - Strategic Growth and 'Reimagine the Bank' Initiative Propel Earnings Outlook
Citizens Financial Group closed 2025 with a strong quarter, showcasing 36% year-over-year EPS growth driven by net interest margin expansion, wealth and capital markets fee strength, and controlled ex...
- Citizens Financial reported Q4 EPS up 36% year-over-year to $1.13, hitting full-year 2025 EPS of $3.86, a 19% increase.
- Net interest margin (NIM) expanded 7 basis points in Q4 to 3.07%, driven by non-core asset run-off benefits, asset repricing, and lower funding costs.
- The Private Bank now holds $14.5 billion in deposits, $10 billion in client assets, and $7.2 billion in loans, achieving 25% ROE and contributing over 7% to EPS in 2025.
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Ally Financial Q4 2025 Earnings Call - Strategic Focus Drives Solid Results with Optimism into 2026
Ally Financial's Q4 2025 earnings reveal a company executing a deliberate strategic refresh that delivered robust results and built a stronger foundation for the future. Adjusted EPS surged 62% year-o...
- Ally delivered a 62% year-over-year increase in adjusted EPS to $3.81 and improved core ROTCE by over 300 basis points to 10.4% in 2025.
- The company’s strategic refresh focused on businesses with clear competitive advantages, emphasizing risk-adjusted returns and sustainable growth.
- Retail net charge-offs ended below 2%, outperforming guidance and benefiting from vintage loan rollovers and enhanced underwriting and servicing.
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Travelers Q4 2025 Earnings Call - Durable Underwriting Strength Fueled by AI-Powered Innovation
Travelers capped 2025 with stellar Q4 results, posting $2.5 billion in core income and a 29.6% core ROE, powered by a 21% lift in underwriting income and disciplined premium growth. The company’s deca...
- Travelers reported Q4 core income of $2.5 billion and a core return on equity of 29.6%, highlighting strong underlying underwriting performance.
- Underwriting income rose 21% year-over-year to $2.2 billion pre-tax, driven by higher net earned premiums, favorable reserve development, and lower catastrophe losses.
- The underlying combined ratio improved nearly two points to 82.2%, marking five consecutive quarters below 85, with strong results across Business, Bond & Specialty, and Personal Insurance segments.
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Halliburton Q4 2025 Earnings Call - Confident in Technology-Led Growth Amid Market Rebalancing
Halliburton closed 2025 with solid execution, delivering $22.2 billion revenue and a 14% adjusted operating margin despite market headwinds. The company highlighted the shift to collaboration and adva...
- Halliburton reported $22.2 billion in revenue for 2025 with a 14% adjusted operating margin, beating expectations despite a softening market.
- International revenue declined 2% year-over-year to $13.1 billion, outperforming the 7% rig count decline, with growth outside Saudi Arabia and Mexico driven by tech adoption and collaborations.
- North America revenue fell 6% year-over-year to $9.1 billion, with a forecasted high-single-digit decline in 2026 led by reduced land activity and strategic fleet stacking.
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