Exhibit 99.1 World Kinect Corporation Reports Fourth Quarter and Full Year 2025 Results; Substantially Completes the Strategic Repositioning of the Land Segment Provides Full Year 2026 Outlook MIAMI—February 19, 2026—World Kinect Corporation (NYSE: WKC) today reported financial results for the fourth quarter and full year 2025. Fourth Quarter 2025 Highlights Fourth Quarter 2025 – Goodwill and Other Asset Impairments and Restructuring Full Year 2025 Highlights "2025 marked the beginning of a strategic transf ...

ANNUITIES & LIFE F&G Investor Update Winter 2025 Disclaimer & Forward-Looking Statements This presentation contains forward-looking statements that are subject to known and unknown risks and uncertainties, many of which are beyond our control. Some of the forward-looking statements can be identified by the use of terms such as "believes". "expects", "may", "will", "could", "seeks", "intends", "plans", "estimates", "anticipates" or other comparable terms. Statements that are not historical facts, including s ...

Financial Performance - Opendoor's Q4 2025 revenue was $736 million, a decrease of 32.2% from $1,084 million in Q4 2024[7] - The company reported a net loss of $1,096 million in Q4 2025, compared to a net loss of $113 million in Q4 2024[7] - Revenue for Q4 2025 was $736 million, a decrease of 19.6% from $915 million in Q3 2025[18] - The company reported a net loss of $1.3 billion for the year ended December 31, 2025, compared to a net loss of $392 million in 2024[24] - Adjusted Net Loss for the year ended December 31, 2025, was $(1,300) million, compared to $(392) million for the year ended December 31, 2024[38] - The company reported a net loss of $(1,096) million for the three months ended December 31, 2025, compared to a net loss of $(113) million for the same period in 2024[38] Inventory and Sales - Homes purchased increased by 46% quarter-over-quarter, with 1,706 homes acquired in Q4 2025[3] - Homes sold in Q4 2025 totaled 1,978, down from 2,568 in Q3 2025[18] - Homes purchased in Q4 2025 were 1,706, an increase from 1,169 in Q3 2025[18] - Homes in inventory at the end of Q4 2025 were 2,867, down from 3,139 in Q3 2025[18] - The company sold 11,791 homes in 2025, with a Contribution Profit per Home Sold of $13,000[33] Profitability Metrics - Gross profit for Q4 2025 was $57 million, resulting in a gross margin of 7.7%[18] - Contribution profit for Q4 2025 was $7 million, with a contribution margin of 1.0%[18] - The contribution margin for Q4 2025 was 1.0%, down from 3.5% in Q4 2024[7] - Adjusted Gross Profit for the year ended December 31, 2025, was $344 million, with an Adjusted Gross Margin of 7.9%[33] - Contribution Profit for the same period was $150 million, with a Contribution Margin of 3.4%[33] Future Projections - Opendoor aims to achieve breakeven Adjusted Net Income by the end of 2026[12] - The company expects a revenue decrease of approximately 10% quarter-over-quarter for Q1 2026[12] - Adjusted EBITDA loss for Q1 2026 is projected to be in the low to mid $30 million range[12] Cash Flow and Assets - Net cash provided by operating activities was $1.049 billion in 2025, a significant improvement from a cash outflow of $595 million in 2024[24] - Cash, cash equivalents, and restricted cash at the end of the period totaled $1.301 billion, up from $763 million at the beginning of the period[24] - Total current assets decreased to $2,299 million in Q4 2025 from $2,997 million in Q4 2024[22] - Total liabilities decreased to $1,402 million in Q4 2025 from $2,413 million in Q4 2024[22] Non-GAAP Measures - The company reported an Adjusted EBITDA loss, which is a non-GAAP measure, to assess underlying financial performance[34] - The company emphasizes the importance of non-GAAP financial measures for evaluating operational performance and making financial decisions[25] - Adjusted EBITDA for the year ended December 31, 2025, was $(142) million, with an Adjusted EBITDA Margin of (2.8)%[38] - The company’s Adjusted EBITDA improved to $23 million for the three months ended March 31, 2025, compared to $(30) million for the same period in 2024[38] Expenses and Adjustments - The company incurred $159 million in stock-based compensation in 2025, compared to $114 million in 2024[24] - Stock-based compensation expenses for the year ended December 31, 2025, totaled $114 million, compared to $56 million in 2024[38] - The company incurred restructuring costs of $17 million for the year ended December 31, 2025[38] - The loss on extinguishment of debt for the three months ended December 31, 2025, was $933 million[38] - Inventory valuation adjustments for the current period amounted to $21 million for the three months ended June 30, 2025[38]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-2328 GATX Corporation (Exact name of registrant as specified in its charter) (State or Other Jurisdiction of incorporation or Organization) (I.R.S. Employer Identification No.) Ind ...

Business Model and Revenue Structure - REMAX operates a 100% franchised model, generating approximately 93% of total revenue from the U.S. and Canada, with 91% of Real Estate segment revenue derived from franchising operations in these regions [20][26]. - The company maintains a low fixed-cost structure, generating revenue primarily from recurring fee-based sources, which produces strong margins and cash flow [20]. - The recurring revenue streams accounted for 65.5%, 67.4%, and 66.7% of total revenue for the years ended December 31, 2025, 2024, and 2023, respectively, excluding Marketing Funds [49]. - Broker fees represented 24.5%, 22.7%, and 21.1% of total revenue for the years ended December 31, 2025, 2024, and 2023, respectively, excluding Marketing Funds [49]. - The company has a low fixed-cost structure, generating revenue primarily from recurring fees paid by franchisees, which supports strong margins and consistent cash flow [45]. - The company launched the AscendSM and AppreciateSM programs to provide flexible economic models for agents, including a 45% reduction in fixed fees under the Ascend program [185]. Market Presence and Competition - The REMAX brand has the highest level of unaided brand awareness in residential real estate in the U.S. and Canada, as confirmed by a consumer study conducted by MMR Strategy Group [23]. - The residential real estate market in the U.S. is valued at approximately $2.0 trillion, while Canada’s market is valued at around $0.3 trillion based on 2025 sales volume data [26]. - Competition for highly productive agents remains intense, with new entrants employing alternative business models and technology-enabled platforms [29]. - The company faces intense competition from other franchisors and brokerages, which may hinder its ability to grow its agent count and expand its network of franchises [115]. - The company is exploring large-scale opportunities to enhance its value proposition through additional business models and market segments [46]. Financial Performance - Total revenue for 2025 was $291.6 million, a decrease of 5.2% from the prior year [191]. - Revenue excluding Marketing Funds decreased 4.3% to $218.8 million, driven by negative organic growth of 3.9% and adverse foreign currency movements of 0.4% [191]. - Net income attributable to RE/MAX Holdings, Inc. increased to $8.2 million from $7.1 million in the prior year [191]. - Adjusted EBITDA decreased 4.1% to $93.7 million, with an Adjusted EBITDA margin of 32.1%, up 30 basis points from the prior year [191]. - Continuing franchise fees decreased by 7.5% to $112.9 million, primarily due to a reduction in U.S. agent count [201]. - Broker fees increased by 3.6% to $53.7 million, attributed to higher average home sales prices and new incentives [203]. Employee and Operational Insights - As of December 31, 2025, the company had 519 full-time employees, a decrease of 3% from 2024, with employee functions distributed across technology (28%), sales and franchise development (28%), marketing (18%), and shared services (26%) [66]. - Approximately 70% of employees reported favorable satisfaction in the most recent survey conducted in the last half of 2025 [67]. Risks and Challenges - The mortgage brokerage industry is adversely impacted by high interest rates, which reduce refinancing activity and purchase-money mortgage originations [30]. - The company faces risks from potential conflicts with franchisees regarding fees and policies, which could lead to non-renewal of franchise agreements [80]. - The mortgage segment operates in a highly regulated environment, and failure to comply with regulations could adversely affect business operations [96]. - The company is exposed to litigation risks that could harm its financial condition, including class-action lawsuits and franchisee-related claims [89]. - Cyberattacks and data breaches pose significant risks to the company's operations and reputation, with potential for substantial losses [153]. Brand and Marketing Initiatives - The company launched Marketing as a Service (MaaS) in 2025, an AI-enabled platform designed to enhance marketing efficiency for affiliates [46]. - The company plans to launch MaaS in international markets outside of the U.S. and Canada in 2026, targeting areas with sufficient customer demand [46]. - The REMAX network has donated over $218 million to Children's Miracle Network Hospitals since 1992, supporting sick and injured children [70]. Economic and Market Conditions - The residential real estate and mortgage markets have been negatively impacted by rising interest rates, which more than doubled in 2022, leading to a reduction in existing home sales [120]. - The availability of financing for homebuyers is significantly impacted by macroeconomic conditions and government regulations, which could adversely affect financial performance [147]. - Changes in government support for home financing could reduce the availability of financing for homebuyers, impacting the residential real estate market [149].

Financial Performance - Total revenues for the year ended December 31, 2025, increased to $149.5 million, up 20.1% from $124.5 million in 2024[18] - Income properties revenue reached $132.2 million in 2025, a 19.5% increase from $110.6 million in 2024[18] - Management fee income rose to $4.8 million in 2025, a slight increase from $4.6 million in 2024[18] - The company’s total assets increased to $1.26 billion as of December 31, 2025, compared to $1.18 billion in 2024[18] Property Acquisitions and Sales - The company acquired two shopping centers for a total acquisition cost of $145.1 million during 2025[26] - Four income properties were sold for an aggregate sales price of $85.1 million, resulting in gains of $21.0 million[27] - As of December 31, 2025, the Company owned 21 income properties with a total area of 5,500,898 square feet[31] Portfolio and Lease Information - The current portfolio of 17 shopping centers generates $102.4 million in annualized straight-line base lease payments[28] - The weighted average remaining lease term for the current portfolio of shopping centers is 5.0 years[28] - The weighted average economic occupancy rate for shopping centers was 92% in 2025, up from 90% in 2024[31] Environmental and Regulatory Risks - The company is subject to various environmental laws and regulations that may impose significant liabilities for contamination and cleanup costs[60] - Compliance with the Americans with Disabilities Act (ADA) may require modifications to properties, potentially incurring costs for the company[58] - Future environmental legislation may impose additional obligations or restrictions on the company's properties[66] - The company may need to undertake costly remediation programs for mold or other airborne contaminants at its properties[63] - The company is exposed to potential liabilities under environmental laws, which may arise without regard to management's knowledge of the issues[162] Economic and Market Risks - The company's revenue is significantly dependent on the successful operation of its tenants, with potential adverse effects on financial condition if tenants fail to perform[75] - A substantial portion of revenue is concentrated in specific industries and geographic locations, making the company vulnerable to downturns in those areas[75] - The company faces risks related to the retail environment, including economic weakness, consumer spending levels, and competition from discount and internet retailers, which could negatively impact market rents[88] - The company may experience declines in rental income and occupancy levels due to adverse economic conditions, high unemployment, and increased competition from e-commerce[89] - Economic downturns, similar to the 2007-2009 financial crisis, could negatively impact results and cash flows[96] Financing and Capital Risks - The company may face challenges in obtaining favorable debt or equity capital, which could affect liquidity and operational capabilities[75] - The company's level of indebtedness may limit its ability to meet debt service obligations and fund operations, potentially leading to asset sales[145] - Compliance with financial covenants in the Credit Facility is crucial; failure to comply could result in defaults and limit cash flow for operations[155] - The company may face challenges in obtaining favorable debt or equity financing, impacting liquidity and operational flexibility[142] Competition and Market Position - The company competes with various organizations, including banks, private equity investors, and REITs, for income-producing real estate assets and mortgage financings[56] - The competitive landscape includes REITs and other investors with greater financial resources, potentially limiting acquisition opportunities for the company[92] - The company competes based on price, location, potential tenant improvements, and lease terms in the local market[55] Management and Operational Risks - The company has a management agreement with PINE, generating a base management fee of 1.5% of PINE's total equity[36] - Conflicts of interest may arise due to overlapping management roles between the company and PINE, potentially affecting decision-making[109] - The effectiveness of internal controls over financial reporting is critical; failure to maintain these controls could harm business operations and investor confidence[208] Tax and REIT Compliance Risks - The company must maintain its qualification as a REIT, requiring it to distribute at least 90% of its taxable income to avoid U.S. federal corporate income tax[176] - Failure to qualify as a REIT could substantially reduce funds available for distributions to stockholders and impair the company's ability to expand its business[171] - The company is restricted from providing certain services to tenants unless conducted through a TRS, which may disadvantage it compared to competitors[180] - A 100% tax applies to net income from prohibited transactions, which may limit the company's ability to dispose of properties[181] Insurance and Liability Risks - The company is at risk of not being able to obtain appropriate insurance coverage for environmental and disaster-related events, which could materially affect its financial performance[164] - Property insurance costs have significantly increased in recent years, adversely affecting the Company's ability to operate and dispose of income properties[198] - Uninsured losses may adversely affect the Company's financial condition and results of operations, potentially leading to a loss of invested capital and anticipated revenues[197] Miscellaneous Risks - The company is highly dependent on information systems and third-party technology service providers, with potential disruptions negatively impacting operations and stock prices[199] - Material estimates related to loan loss reserves and asset valuations could lead to significant changes in the Company's financial condition and results of operations[200] - Changes in accounting rules may materially affect the Company's financial reporting and could require restating prior financial statements[201] - The U.S. government's regulatory actions may have unforeseen adverse effects on the financial industry, impacting the Company's business[202]

Portfolio and Operations - As of December 31, 2025, GLPI's portfolio consisted of interests in 69 gaming and related facilities, with properties 100% occupied across 20 states[21] - Approximately 97% of cash rent comes from five major tenants: PENN, Caesars, Boyd, Cordish, and Bally's, all of which are established gaming providers[23] - The company operates under a long-term triple-net lease structure, ensuring tenants are responsible for maintenance, insurance, and taxes[24] - GLPI's geographic diversification is expected to expand to 22 states, limiting the impact of regional market declines on overall performance[22] - The company has a flexible UPREIT structure that allows for efficient property acquisitions, potentially deferring tax consequences for sellers[27] - The company targets accretive acquisitions funded with a mix of debt and equity while maintaining a conservative balance sheet[28] - The company’s properties were 100% occupied as of December 31, 2025, covering over 5,600 acres and leasing approximately 1,000 acres across 20 states[59] Financial Performance and Leases - The company completed transactions totaling $3.7 billion since January 1, 2024, contributing to future growth opportunities[26] - The Bally's Chicago site lease includes an initial annual rent of $20 million, with a development agreement entered in July 2025[38] - The Amended PENN Master Lease has a coverage ratio of 1.86 as of September 30, 2025, with a minimum escalator coverage governor of 1.8[50] - The Amended Pinnacle Master Lease has a coverage ratio of 1.69 as of September 30, 2025, with a maximum yearly base rent escalator of 2%[51] - The Bally's Master Lease II has a coverage ratio of 2.60 as of September 30, 2025, with a corporate guarantee and cross-collateralization[52] - The Boyd Master Lease has a coverage ratio of 2.45 as of September 30, 2025, with a maximum yearly base rent escalator of 2%[53] - The Company has implemented a fixed rent component that escalates annually by up to 2% if specified rent coverage thresholds are met[49] - The percentage rent component is recalculated every five years based on 4% of average annual net revenues exceeding a defined baseline[49] - Percentage rent revenues accounted for 4.8%, 5.0%, and 5.2% of the company's total cash rental income for the years ended December 31, 2025, 2024, and 2023, respectively[63] Risk Factors - The company competes with other REITs and investment firms, facing challenges due to competitors having greater financial resources and lower costs of capital[62] - The gaming industry faces intense competition from various sectors, including traditional casinos, internet gaming, and sports betting, which could adversely impact the company's tenants and operations[64] - The company is subject to various taxes, including payroll and state income taxes, which could impact overall profitability[75] - The company faces risks associated with the gaming industry, including economic conditions and changes in consumer trends, which could adversely affect its financial position[171] - The company is exposed to risks related to environmental contamination at development sites, which could lead to significant costs and project delays[182] - The company’s financial position could be materially weakened if any of its tenants declare bankruptcy or become insolvent, affecting rental income[168] REIT Compliance and Taxation - The company is organized to qualify as a REIT, which allows it to avoid double taxation on distributed income, provided it meets specific operational and distribution requirements[72][73] - The company must distribute at least 85% of its ordinary income and 95% of its capital gain net income annually to maintain its REIT status, or face a 4% excise tax on any shortfall[74] - The company must derive at least 75% of its gross income from "rents from real property" and at least 95% from qualifying income to satisfy REIT gross income tests[86] - The company must not own more than 5% of any one issuer's securities and not more than 10% of any one issuer's outstanding securities[95][96] - The company is required to distribute at least 90% of its REIT taxable income to avoid corporate tax on retained earnings[104] - Failure to distribute required amounts may result in a non-deductible 4% excise tax on the excess[106] - The company expects its REIT taxable income to be less than cash flow due to depreciation and non-cash charges, allowing sufficient cash to meet distribution requirements[107] - If the company fails to qualify as a REIT, it would be subject to tax at regular corporate rates, and distributions would be taxable as regular corporate dividends[113] Management and Governance - The company’s Chief Financial Officer, Desiree A. Burke, has extensive experience in financial reporting and control, having served in various roles since 2005[69] - The company’s Chief Development Officer, Steven L. Ladany, leads ongoing merger, acquisition, and development efforts, indicating a strategic focus on growth through expansion[70] - The company has established a Tenant Partnership Program to foster relationships and sustainability goals with tenants[161] - The company is committed to integrating environmental, social, and governance (ESG) practices into its business strategies[145] Environmental and Social Responsibility - The company engages in environmental assessments for real estate acquisitions to mitigate potential environmental liabilities[150] - The company maintains a comprehensive insurance program covering various liabilities, including business interruption and environmental liabilities[139] - The company is evaluating climate-related risks and opportunities to enhance its environmental strategies[149] - The company raised over $150,000 for the Reading Hospital Foundation's Street Medicine program, which provides healthcare services to the homeless[162] - The company completed its Annual Day of Service in 2025, supporting the Berks County branch of Helping Harvest[162]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) (I.R.S. Employer Iden ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 25, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number 001-38070 Floor & Decor Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 27-3730271 (State ...

Financial Performance - Total revenues for the year ended December 31, 2025, were $2,541 million, a decrease of 2.2% compared to $2,599 million in 2024[14]. - Net loss attributable to stockholders for the year ended December 31, 2025, was $283 million, compared to a net income of $212 million in 2024[16]. - Adjusted EBITDA for the year ended December 31, 2025, was $609 million, down from $652 million in 2024, reflecting a decrease of 6.6%[19]. - Hotel Adjusted EBITDA for the year ended December 31, 2025, was $644 million, compared to $683 million in 2024, indicating a decline of 5.7%[23]. - Total assets decreased to $7,700 million as of December 31, 2025, from $9,161 million in 2024, a reduction of 16.0%[13]. - Total liabilities decreased to $4,624 million as of December 31, 2025, from $5,567 million in 2024, a decline of 16.9%[13]. - The company reported a total debt of $3,838 million as of December 31, 2025, which is relatively stable compared to $3,841 million in 2024[13]. - Net debt as of December 31, 2025, was $3,721 million, an increase from $3,582 million in 2024[34]. - The net debt to full-year current adjusted EBITDA ratio increased to 6.15x in 2025 from 5.61x in 2024[34]. - Interest expense for 2025 was $209 million, indicating a significant cost of debt[77]. - The company incurred impairment and casualty losses of $319 million in 2025, impacting overall profitability[77]. Revenue and Occupancy Trends - Total revenues for the three months ended December 31, 2025, were $629 million, a 0.7% increase from $625 million in 2024[24]. - Comparable hotel revenues increased by 2.2% to $605 million for the three months ended December 31, 2025, compared to $593 million in 2024[24]. - Current RevPAR for 2025 was $189.92, a decrease from $193.35 in 2024, reflecting a decline of 2.2%[75]. - Current occupancy rate for 2025 was 73.1%, a slight decrease from 74.5% in 2024[75]. - The occupancy rate for comparable hotels in Q4 2025 was 70.2%, consistent with the previous year[53]. Future Projections - The company expects full-year 2026 RevPAR to range from $190 to $194, reflecting a change of 0.0% to 2.0% compared to 2025[38]. - Adjusted EBITDA for full-year 2026 is projected to be between $580 million and $610 million[41]. - Operating expenses for Park's hotels are expected to increase by 2% to 3% in 2026[40]. - The company anticipates approximately $9 million of incremental interest expense from refinancing $1.4 billion of mortgage debt maturing in 2026[40]. - Nareit FFO attributable to stockholders is projected to be between $313 million and $343 million for the year ending December 31, 2026[42]. - Adjusted FFO attributable to stockholders is expected to range from $348 million to $380 million, with diluted adjusted FFO per share estimated at $1.73 to $1.89[42]. Portfolio and Asset Management - The current hotel portfolio consists of 34 hotels with a total of 22,561 rooms and a combined meeting space of 2,321,000 square feet[49]. - The total equity for the current hotel portfolio is valued at $1,759 million[49]. - The company plans to continue expanding its portfolio and enhancing its market presence through strategic acquisitions and new hotel developments[49]. - The company sold 1 hotel in 2023 for gross proceeds of $118.3 million, contributing to a total of 41 hotels sold to date[68]. - The remaining non-core hotels to be sold include 10 hotels with a total room count of 4,414 and an estimated 2025 Adjusted EBITDA of $44 million[72]. Operational Metrics - Average Daily Rate (ADR) is calculated as rooms revenue divided by total room nights sold, reflecting pricing trends and customer base characteristics[110]. - Revenue per Available Room (RevPAR) combines occupancy and ADR, serving as a key performance indicator for hotel operations[111]. - Total RevPAR includes rooms, food and beverage, and other hotel revenues, providing a comprehensive view of revenue generation[112]. - The Company utilizes EBITDA, Adjusted EBITDA, Hotel Adjusted EBITDA, and Hotel Adjusted EBITDA margin as key performance measures to evaluate operating performance and make operational decisions[99]. - The Company believes that Net Debt, calculated as total debt minus cash and cash equivalents, is a useful measure of financial leverage for investors[106]. Challenges and Strategic Focus - The company is facing macroeconomic challenges, including elevated inflation and interest rates, which may impact future performance[5]. - The company plans to continue focusing on market expansion and new product development to enhance revenue streams[79]. - The company anticipates the completion of anticipated dispositions, including non-core hotels, to improve financial performance[5].