Question-and-Answer SessionI want to start a little bit with the big picture. So again, the management team has seen a big turnover. I think other members like General Counsel, et cetera. So now that you're this seat, what has changed in the way Green Plains is managed versus, say, the past 1, 2, 3 years?Chris OsowskiCEO & Director It's a great question, Sal. And first, thanks for inviting us and giving us the opportunity to talk about what we're doing here at Green Plains. And if I think back what has chan ...

Hippo (NYSE:HIPO) Q4 2025 Earnings call February 25, 2026 08:00 AM ET Speaker2Good morning, all. Good afternoon, all, and welcome to the Hippo fourth quarter 2025 earnings call. My name is Adam, and I'll be your operator today. If you'd like to ask a question during the Q&A portion of today's call, you may do so by pressing star 1 on your telephone keypad. I will now hand the floor to Charles Sobasky to begin. Charles, please go ahead when you are ready.Speaker0Thank you, operator. Good morning, and thank y ...

Tonner Drones concludes transition year with €1.1M net profit Paris, February 24th, 2026, 18:30, Tonner Drones (’the Company’) is pleased to announce its 2025 results. The year ended with a net profit of €1.1 million. Furthermore, equity was strengthened by more than €6 million, allowing the company to report positive equity. Tonner Drones had a successful year, completing its reorganization and refinancing. The company is pleased to announce that it has succeeded in its plan to prepare for renewed growth. ...

Investor Presentation February 24, 2026 Meny Grauman, Senior Vice President (meny.grauman@scotiabank.com) Rebecca Hoang, Vice President (rebecca.hoang@scotiabank.com) Any forward-looking statements contained in this document represent the views of management only as of the date hereof and are presented for the purpose of assisting the Bank's shareholders and analysts in understanding the Bank's financial position, objectives and priorities, and anticipated financial performance as at and for the periods end ...

Why does HR often sit in on difficult conversations between managers and employees? It’s not about control—it’s about risk, consistency and trust. As workplaces grow more complex, HR leaders are increasingly concerned about how tough feedback, performance issues and terminations are handled when managers go it alone. https://t.co/HCIUJtMYtJ ...

Continuing my dive into the silicon photonics sector after successfully riding the wave in Applied Optoelectronics ( AAOI ), which nearly doubled since my November coverage , I’m now looking deeper into the supply chain for smaller, earlier-stage players likeHi, I'm Yiannis. Spotting winners before they break out is what I do best.Experience: Previously worked at Deloitte and KPMG in external/internal auditing and consulting. Education: Chartered Certified Accountant, Fellow Member of ACCA Global, with BSc ...

Money is for me just a number. So I don't really get attached to it which might be part of this success formula. >> 90% of people lose money.You're the 10%. How do you consistently be the 10%. >> I think my trades where I make all the money which makes up for the sum losses I'm doing is the long-term trades.Money is for me just a number. So I don't really get attached to it which might be part of this success formula. But this very big trade which is so public and famous is actually the trade which was the ...

All right, I'm taking shorts here. Inverse fair value gap. This is delivering lower here.So now I just need a close underneath this load. I'm going to reduce risk. All right, so we're delivering lower now.First take profit's going to be at this resting liquidity in this midpoint right here. Coming down nicely. We're up 3K.All right, so risk is reduced. All right. So, we didn't quite tag take profit one.[ __ ] All right. Accidentally took the whole position off here. I only locked in 2829. ...

Radian Group (NYSE:RDN) Q4 2025 Earnings call February 19, 2026 11:00 AM ET Company ParticipantsBob Lally - VP of FinanceBose George - Managing DirectorDan Kobell - Senior Executive Vice President and Interim CFORick Thornberry - CEOConference Call ParticipantsMihir Bhatia - Director and Senior Equity Research AnalystTerry Ma - Director and Equity Research AnalystOperatorToday, and thank you for standing by. Welcome to the Q4 2025 Radian Group conference call. At this time, all participants are in a listen- ...

Financial Data and Key Metrics Changes - For Q4 2025, the company reported net income from continuing operations of $159 million, or $1.15 per share, and for the full year, net income was $618 million, or $4.39 per share, reflecting strong earnings and an 8% reduction in share count [11][12] - Total revenues for Q4 were $301 million and $1.2 billion for the full year, with net premiums earned reaching $237 million in Q4, the highest level in over three years [12][13] - The return on equity was 13.5% in Q4 and 13.1% for the full year, with book value per share growing 13% year-over-year to $35.29 [12][13] Business Line Data and Key Metrics Changes - The mortgage insurance business saw growth in insurance in force and new insurance written (NIW), with NIW increasing 6% year-over-year [12][13] - The in-force premium yield for the mortgage insurance portfolio remained stable at 38 basis points, expected to remain stable in 2026 [15][36] Market Data and Key Metrics Changes - The company maintained a strong persistency rate of 82% in Q4, with approximately half of the insurance in force portfolio having a mortgage rate of 5.5% or lower, indicating less likelihood of cancellation due to refinancing [14] - The total number of defaults increased to approximately 25,000 loans at quarter end, resulting in a portfolio default rate of 2.56%, reflecting normal seasonal trends [16] Company Strategy and Development Direction - The acquisition of Inigo marks a strategic transformation for the company, positioning it to expand into a global multi-line specialty insurer, expected to double annual revenues and provide greater strategic flexibility [5][6] - The divestiture plan for mortgage, conduit, title, and real estate services businesses is on track for completion by Q3 2026, aligning leadership with strategic focus [8][19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strong performance of the mortgage insurance business and the positive credit trends, with no significant concerns noted across different credit segments [32] - The company anticipates continued strong capital returns and liquidity, with expected dividends of at least $600 million from Radian Guaranty in 2026 [21][22] Other Important Information - The company distributed $795 million from Radian Guaranty to the holding company and returned $576 million to stockholders through dividends and share repurchases in 2025 [4][18] - The holding company liquidity was expanded to $1.8 billion at year-end, supporting the Inigo acquisition [20] Q&A Session Summary Question: Any updated thoughts on financial metrics for Inigo? - Management confirmed no changes from previous guidance, expecting a mid-teens return through the cycle from the Inigo acquisition, translating to approximately $170 million of incremental net income [27][28] Question: How sticky can the 90% cure rate be for recent vintages? - Management noted that while recent vintages are being monitored, strong cure activity continues, and no significant concerns have been observed in credit trends [31][32] Question: How does the current pricing environment compare to a year ago? - The in-force premium yield has remained stable at 38 basis points, indicating a balanced pricing perspective, with management focusing on economic value rather than market share [35][36] Question: What is the expected combined ratio for Inigo? - Management indicated that while no forward guidance has been provided, a mid- to high-80% combined ratio is a reasonable trend based on Inigo's historical performance [40] Question: Will there be intangibles that need to be amortized from the acquisition? - Management confirmed that there will be intangibles, and details will be provided in future reports as purchase accounting is completed [50]