The Brink's Company (NYSE:BCO) Q4 2025 Earnings call February 26, 2026 04:30 PM ET Company ParticipantsJesse Jenkins - VP of Investor RelationsKurt McMaken - CFOMark Eubanks - CEOSam Kusswurm - Equity Research Senior AssociateTim Oliver - President and CEOConference Call ParticipantsGeorge Tong - Managing Director and Senior Equity Research AnalystTobey Sommer - Managing Director and Senior Research AnalystOperatorWelcome to the Brink's acquisition of NCR Atleos. All participants will be in listen-only mode ...

British technology and online grocery group Ocado is confident it can secure new U.S. deals even after key partner Kroger moved last year to close three of its robotic distribution centres, Ocado CEO ... ...

Core Insights - The company reported adjusted earnings per share of $0.45, an increase from $0.40 in the same quarter last year, indicating a potential stabilization in its retail business despite ongoing geopolitical challenges [1][34] - Consumer money transfer transactions decreased by 2.5% in the quarter, but cross-border principal growth showed resilience, suggesting a strong customer base adapting to macroeconomic conditions [2][37] - The company aims to build a digital-first, retail-enabled consumer services model, leveraging its global brand and payment capabilities to moderate fluctuations in its core remittance business [3][4] Financial Performance - For the fourth quarter, the company reported revenue of $1 billion, reflecting a 5% decline year-over-year on an adjusted basis [3][32] - The full year GAAP revenue was $4.1 billion, with adjusted revenue growth excluding Iraq down by 2% due to challenges in the Americas retail business [32][34] - Adjusted operating margin for the full year was 20%, up from 19% in the previous year, benefiting from cost discipline [34] Consumer Services and Digital Growth - Consumer services adjusted revenue grew by 26% in the fourth quarter and nearly 30% for the full year, driven by travel money and bill payments [35][36] - The branded digital business saw a 13% increase in transactions and a 6% rise in adjusted revenue, marking nine consecutive quarters of revenue growth [38][39] - The digital business now accounts for over 40% of the principal sent globally, with significant growth opportunities in the Middle East and other regions [21][22] Market Dynamics and Strategy - The company is focusing on operational efficiencies and expanding its payment capabilities to drive productivity and market competitiveness [4][6] - Recent geopolitical changes in regions like Chile and Venezuela are impacting migration and mobility, creating a dynamic environment for the business [8][62] - The implementation of a U.S. remittance tax has not materially impacted the business so far, but the company is closely monitoring its effects [9][15] Partnerships and Expansion - The company has secured several new exclusive partnerships, including with Canada Post and Deutsche Post, expected to generate at least $100 million in incremental retail revenue annually [27][29] - The company is expanding its wallet capabilities in various countries, including Australia, Mexico, Singapore, and the Philippines, to enhance customer retention and monetization [12][13][25] - The company is also developing a digital asset strategy, including the launch of a U.S. Dollar payment token and partnerships for stablecoin transactions [24][25][73] Outlook - The adjusted revenue outlook for 2026 is projected to grow by 6% to 9%, with adjusted EPS expected to be between $1.75 and $1.85 [44][45] - The company anticipates that the integration of Intermex will contribute positively to its financial performance, with expected synergies enhancing overall profitability [70][71] - The company is adapting its customer acquisition strategies to remain competitive in a changing market landscape, particularly in response to aggressive offers from lower-scale players [76][77]

The Western Union Company (NYSE:WU) Q4 2025 Earnings call February 20, 2026 08:30 AM ET Speaker5Good day, and welcome to the Western Union fourth quarter 2025 results conference call. All participants will be in listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I would now like to turn the conference over to Tom Hadley, Vice President of Investor Relations. Tom, please go ahead.Speaker9Thank you. On today's call, we will d ...

Core Insights - Kroger is celebrating Supermarket Employee Day on February 22, recognizing over 400,000 associates for their contributions to customer experience [1] - The company emphasizes the importance of associates in creating genuine connections with customers, enhancing the shopping experience [1] Group 1: Employee Recognition - Kroger acknowledges its associates as "experience makers," highlighting their role in providing friendly service and fresh food [1] - Tim Massa, executive vice president and chief associate experience officer, stated that associates bring heart to their work and shape customer experiences through care and creativity [1] Group 2: Employee Highlights - Jeff Bass, a Floral Creative Director, has dedicated 34 years to creating exceptional floral experiences for customers during significant life events [1] - Ashley Montgomery, an Assistant Store Leader in training, transitioned from a floral clerk to a leadership role, focusing on creating welcoming customer interactions [1] - Ana Sanchez, a Front End Leader with nearly 30 years at Ralphs, prioritizes building trust with customers and ensuring their needs are met [1] Group 3: Career Opportunities - Kroger invites individuals seeking career opportunities to apply through a mobile-friendly candidate experience, facilitating easy application processes [1] - The company aims to attract talent by highlighting the meaningful roles associates play in enhancing customer experiences [1] Group 4: Company Overview - Kroger serves over 11 million customers daily through various retail food stores and eCommerce platforms, employing more than 400,000 associates [1] - The company's mission includes creating ZeroHungerZeroWaste communities, reflecting its commitment to social responsibility [1]

Core Insights - Instacart forecasts strong growth in gross transaction value (GTV) and core profit for the current quarter, driven by demand for essential goods and an expanding advertising business [1] - The company reported a 14% increase in GTV for the fourth quarter, reaching $9.85 billion, surpassing estimates [1] - Instacart's advertising revenue exceeded $1 billion in 2025, with a significant increase in active brands [1] Financial Performance - For the current quarter, Instacart expects GTV between $10.13 billion and $10.28 billion, indicating an 11% to 13% year-on-year growth [1] - Adjusted earnings before tax, depreciation, and amortization (EBITDA) are projected to be between $280 million and $290 million, slightly above analysts' expectations [1] - In the fourth quarter, adjusted core profit was $303 million, exceeding estimates of $292.2 million [1] Market Dynamics - The demand for essentials has increased as consumers seek affordable options amid inflation, contributing to a 16% rise in orders [1] - Instacart faces heightened competition from Amazon and Kroger, which may impact its market share [1] - The company has launched an app on OpenAI's ChatGPT, indicating a move towards technological integration in its services [1]

Core Insights - Kroger is promoting a special Surf and Turf dinner for Valentine's Day, encouraging customers to celebrate at home without needing reservations [1] - The company emphasizes quality ingredients and affordability, aiming to provide a restaurant-like experience for customers [1] Promotions and Offers - Customers can enjoy special offers including discounts on various products such as blueberries at $1.99 per pint and boneless strip steak for $9.99 per pound, valid from February 11 [1] - Kroger is offering 20% off any six bottles of wine and wild caught lobster tails at 2 for $10 [1] Culinary Tips - Kroger's culinary experts provide tips for preparing surf and turf, including selecting quality seafood and the best cuts of steak, such as ribeye and filet mignon [1] - Recommendations include using Private Selection® Cracked Peppercorn seasoning and salting steak ahead of cooking for better flavor [1] Floral Delivery Service - Kroger is partnering with DoorDash and Uber Eats for on-demand floral delivery, offering $25 off $75 on the Bloom Haus storefront until February 14 [1] - Customers can order fresh flowers from over 1,700 locations nationwide, enhancing the Valentine's Day experience [1]

Core Viewpoint - The Kroger Co. has experienced a stock rally following the announcement of a new CEO, but the stock has since retracted despite the company reaffirming its 2025 guidance amid competitive and macroeconomic challenges [1] Group 1: Company Performance - Kroger's stock initially surged due to the new CEO announcement but has since pulled back [1] - The company has maintained its guidance for 2025, indicating confidence in its operational strategy despite external pressures [1]

Core Insights - Kroger has appointed former Walmart executive Greg Foran as its new CEO, following the abrupt resignation of the previous CEO 11 months ago [1] - Foran is recognized for his tech-savvy leadership and has a track record of enhancing store operations and digital capabilities during his tenure at Walmart [1] - Kroger's stock rose nearly 7% in early trading after the announcement of Foran's appointment [1] Company Overview - Greg Foran previously led Walmart's U.S. division from 2014 to 2019, focusing on store cleanliness, stock availability, and fresh produce selection [1] - He introduced online ordering and pickup services, significantly advancing Walmart's digital capabilities [1] Competitive Landscape - Walmart poses a significant competitive threat to Kroger, controlling approximately 21% of the U.S. grocery market compared to Kroger's 8.5% [1] - Kroger faces additional competition from discount chains like Aldi and Lidl, as well as online retailers such as Amazon [1] Strategic Moves - In 2022, Kroger proposed a merger with Albertsons to enhance its competitive position, but the merger was blocked by the Federal Trade Commission and two states due to concerns over price increases and wage reductions [1] - A judicial ruling ultimately determined that the merger should not proceed [1]

Core Insights - Kroger has appointed John Foran as CEO, who has a background in leading Walmart's U.S. operations and Air New Zealand, indicating a strategic move to enhance its competitive edge against Walmart in the grocery sector [1][2][3] - Analysts suggest that Foran will initially focus on fundamental aspects such as competitive wages and pricing, while also needing to address Kroger's e-commerce strategy [1][2] Company Strategy - The appointment of Foran comes as Kroger faces intense competition from Walmart and other digital-focused retailers, necessitating a review of its online sales strategy [1][2] - Kroger's previous attempt to merge with Albertson's was blocked, highlighting the challenges the company faces in reinforcing its market position [1][2] Market Context - Traditional supermarkets, including Kroger, are experiencing headwinds from declining pharmacy sales and increased competition from discounters and e-commerce giants [1][2] - The grocery market is becoming increasingly competitive, with discounters like Aldi expanding and new government policies potentially affecting pharmacy sales [1][2] Financial Performance - Kroger's shares have shown resilience, recently increasing by 5% and standing 10% higher than a year ago, despite missing revenue estimates for six consecutive quarters [1][2][3]