Third Quarter 2025 Results Investor Conference Call Forward-Looking Statements Regulation G The attached charts include Company information that does not conform to generally accepted accounting principles ("GAAP"). Management believes that an analysis of this data is meaningful to investors because it provides insight with respect to ongoing operating results of the Company and helps investors to evaluate the financial results of the Company. These measures should not be viewed as an alternative to GAAP me ...

Earnings Conference Call Third Quarter 2025 October 31, 2025 Safe Harbor Statement This communication contains certain statements related to future results, or states Aon's intentions, beliefs and expectations or predictions for the future, all of which are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from either h ...

Delivered 6% Earnings Growth and Operating Ratio of 61.4%, an improvement of 170 basis points.Repurchased close to 8 million shares in the quarter for approximately C$1 billion.Improving productivity, including an additional C$75 million in labor cost reductions.Guiding to 2026 capital expenditures of C$2.8 billion*. (2) MONTREAL, Oct. 31, 2025 (GLOBE NEWSWIRE) -- CN (TSX: CNR) (NYSE: CNI) today reported its financial and operating results for the third quarter ended September 30, 2025. “I want to thank the ...

Q3 2025 EARNINGS REVIEW October 29, 2025 FORWARD-LOOKING STATEMENTS This investor presentation contains forward-looking information and forward-looking statements within the meaning of applicable securities laws in both the United States ("U.S.") and Canada (collectively, "forward-looking statements"). Forward- looking statements include, but are not limited to, statements concerning expectations, beliefs, plans, goals, objectives, assumptions and statements about possible future events, conditions, and res ...

ALTISOURCE PORTFOLIO SOLUTIONS THIRD QUARTER 2025 SUPPLEMENTARY INFORMATION © 2025 Altisource All Rights Reserved. AUGUST 2022 Furthermore, we believe the exclusion of more significant non-operational items enables comparability to prior period performance and trend analysis. DISCLAIMER This presentation contains forward-looking statements that involve a number of risks and uncertainties. These forward-looking statements include all statements that are not historical fact, including statements that relate t ...

Accessibility StatementSkip Navigation WINTER HAVEN, Fla., Oct. 22, 2025 /PRNewswire/ -- SouthState Bank Corporation ("SouthState" or the "Company") (NYSE: SSB) today released its unaudited results of operations and other financial information for the three-month and nine-month periods ended September 30, 2025. Continue Reading View PDF SouthState Bank Corporation Reports Third Quarter 2025 Results Financial Performance | | Nine | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | Three Months ...

业绩总结 - 2025年第三季度总收入为51亿美元，同比增长9%[5] - 2025年第三季度非利息支出为32亿美元，同比增长4%[5] - 2025年第三季度税前利润率为36%，同比上升3个百分点[5] - 2025年第三季度每股收益（EPS）为1.88美元，同比增长25%[5] - 2025年第三季度的ROE为13.7%，同比上升1.7个百分点[8] - 2025年第三季度的ROTCE为25.6%，同比上升2.8个百分点[8] - 2025年第三季度的流动性覆盖率（LCR）为112%[11] - 2025年第三季度向普通股东返还的资本总额为12亿美元，包括3.81亿美元的股息和8.49亿美元的股票回购[5] - 2025年第三季度调整后净收入为13.60亿美元，同比增长20%[38] - 2025年第三季度预税利润率为22%，较上季度的19%有所上升[30] 用户数据 - 财富管理客户资产为3,480亿美元，同比增长5%[30] - 管理资产(AUM)为2.14万亿美元，同比持平[30] - 长期主动策略净流出为2.5亿美元，短期策略净流入为3.4亿美元[30] 未来展望 - 公司对未来净利息收入的展望受多种因素影响，包括利率、量化紧缩、再投资收益率及资产负债表的规模、结构和期限[42] - 公司对费用收入的展望受市场水平、客户活动、新业务的获取和上线能力、失去的业务、定价压力及与现有客户的关系扩展能力等因素影响[42] - 公司未来普通股股息或回购的时间、方式和金额，以及总支付比率的展望受资本状况、资本部署机会、市场条件、法律和监管考虑及经济环境展望等因素影响[42] - 公司未来有效税率的展望受适用税率变化、收益结构变化、盈利能力、税率预测假设及现有税法和法规的解释或适用等因素影响[42] 资本状况 - 2025年第三季度的Tier 1资本杠杆比率为6.1%[11] - 2025年第三季度的CET1资本比率为11.7%，同比上升22个基点[11]

核心财务业绩 - 第三季度营收为2.969亿美元，同比增长1% [3][4] - 归属于所有者的净利润为2788万美元，同比下降20%，摊薄后每股收益为1.22美元，去年同期为1.46美元 [3][4] - 调整后EBITDA为7320万美元，同比增长2%；归一化调整后EBITDA为7396万美元，同比增长3% [3][4] - 经营活动产生的现金流为3901万美元，同比下降41%，主要归因于零售部门应收账款的收款时机以及更高的所得税支付 [4][22] - 扣除租赁付款后的自由现金流为2582万美元，摊薄后每股自由现金流为1.13美元 [3][4] 门店网络与销售表现 - 季度末门店总数达7,061家，其中特许经营或运营商协议门店6,805家，公司直营店256家 [4][11] - 本季度净新增15家门店，去年同期为净关闭41家门店 [4][11] - 系统销售额为14.553亿美元，同比保持稳定 [5][11] - 同店销售额同比下降1.6%，但较第二季度1.9%的降幅有所改善 [4][11] - 数字销售额为2.734亿美元，同比增长1%，主要受加拿大分部8%的增长推动 [5][11] 分部业绩分析 - 特许经营分部：收入1.008亿美元，同比下降2%；归一化调整后EBITDA为5600万美元，同比下降2%，利润率为56% [15][16] - 公司分部：收入1.185亿美元，同比下降2%；归一化调整后EBITDA为1310万美元，同比大幅增加，利润率为11%，主要得益于580万美元的员工保留税收抵免 [15][16][11] - 食品加工、分销和零售分部：收入4760万美元，同比增长18%；归一化调整后EBITDA为490万美元，利润率10%，下降主要由于食品成本上升 [15][16] 流动性、债务与资本分配 - 期末现金持有量为3710万美元，长期债务为6.389亿美元 [22] - 本季度偿还长期债务3040万美元，自2024年第三季度以来净偿还6560万美元 [4][22] - 拥有授权额度为9亿美元的循环信贷额度，季度末已提取加元2.53亿和美元2.81亿 [22] - 宣布季度股息为每股0.33加元，将于2025年11月14日支付 [2][24] 战略举措与运营亮点 - 加拿大地区的ERP系统已成功实施，美国地区的推广正在进行中 [2] - 管理层指出其较大品牌（如Cold Stone Creamery和Wetzel's Pretzels）的表现出现连续改善 [2] - 公司正执行一系列战略举措以定位未来增长，包括菜单创新、保持产品质量、提升线上线下客户体验以及强化价值主张 [21][23] - 管理层对通过积极的单位增长、效率提升以及持续减少盈利能力较低的公司门店来推动利润率改善保持信心 [28]

活动概述 - 公司举办Vinci Compass 2025年投资者日活动 [1] - 活动在纽约纳斯达克市场现场举行并通过网络直播 [2] 演讲议程 - 活动包含三个部分的演讲 [3] - 第一部分由首席执行官Alessandro Horta进行战略概述 [3] - 第二部分将讨论昨日收盘后宣布的Verde资产管理公司收购事宜 [3]

PresentationBen Vallejo Good afternoon, everyone, and welcome to CenterPoint's 2025 Investor Update. Speaking on today's call will be various members of the CenterPoint management team, including Jason Wells, President and Chief Executive Officer; Jesus Soto, Executive Vice President and Chief Operating Officer; Jason Ryan, Executive Vice President of Regulatory Services and Government Affairs; and Chris Foster, Executive Vice President and Chief Financial Officer. Management will discuss certain topics tha ...