Core Insights - Bunge Global SA (BG) is set to report its second-quarter 2025 results on July 30, with expected sales of $11.4 billion, reflecting a 14.2% decline year-over-year [1] - The consensus estimate for earnings per share is $1.19, indicating a significant year-over-year drop of 31.2% [1] - Earnings estimates have remained unchanged over the past 30 days [1] Financial Performance Expectations - The Agribusiness segment is projected to generate revenues of $7.75 billion, down 19.7% from $9.66 billion in the prior year [6] - The adjusted EBIT for the Agribusiness segment is expected to be $202 million, a 32% decrease from the previous year [7] - The Refined and Specialty Oils segment is anticipated to report revenues of $3.18 billion, showing a slight growth of 1.8% year-over-year, but with a 28.2% drop in operating income [8] - The Milling segment's revenues are estimated at $419 million, reflecting a 4.5% increase from the year-ago period [9] Earnings Surprise History - Bunge's earnings have exceeded consensus estimates in two of the last four quarters, with an average surprise of 9.2% [2][3] Stock Performance - Bunge's stock has declined by 29.7% over the past year, compared to an 11.5% decline in the industry [11]

The market expects Chevron (CVX) to deliver a year-over-year decline in earnings on lower revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on August 1, might help the stock move higher if these key numbers are better than exp ...

Wall Street expects a year-over-year decline in earnings on lower revenues when Magna (MGA) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on August 1. On the other ...

Core Insights - AMERISAFE, Inc. (AMSF) reported second-quarter adjusted earnings per share of 53 cents, missing the Zacks Consensus Estimate by 3.6% and reflecting an 8.6% year-over-year decline [1][8] - Operating revenues reached $76.1 million, showing a slight year-over-year increase but falling short of the consensus mark by 1.5% [1][8] Financial Performance - Net premiums earned increased by 1.1% year over year to $69.4 million, but were below the Zacks Consensus Estimate of $70.5 million, supported by strong retention rates and new business growth [3] - Net investment income dropped 10.2% year over year to $6.7 million due to reduced investable assets, although it exceeded the consensus estimate of $6.6 million [3] - Pre-tax underwriting profit was reported at $5.7 million, down 12.2% year over year [4] - Total expenses rose by 2.5% year over year to $63.6 million, driven by higher loss and loss adjustment expenses [4][8] - Operating net income decreased by 9.7% year over year to $10 million [4] Ratios and Metrics - The net combined ratio was 91.7%, worsening by 120 basis points year over year and exceeding the consensus estimate of 90.5% [5] - Return on average equity improved by 660 basis points year over year to 21.2% [6] Capital Management - AMERISAFE repurchased 62.8 thousand common shares for $2.8 million in the second quarter and reauthorized a $25 million share repurchase program [7] Dividend Announcement - A quarterly cash dividend of 39 cents per share was announced, scheduled for payment on September 26, 2025, to shareholders of record as of September 12 [9]

Wall Street analysts expect Prudential (PRU) to post quarterly earnings of $3.21 per share in its upcoming report, which indicates a year-over-year decline of 5.3%. Revenues are expected to be $13.48 billion, down 2.6% from the year-ago quarter.The consensus EPS estimate for the quarter has undergone a downward revision of 0.6% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe.Ahead of a ...

Core Insights - Fair Isaac (FICO) is expected to report quarterly earnings of $7.73 per share, reflecting a 23.7% increase year over year, with revenues projected at $518.78 million, a 15.8% year-over-year increase [1] Earnings Estimates - The consensus EPS estimate has been revised downward by 0.7% over the past 30 days, indicating a collective reassessment by analysts [2] - Changes in earnings estimates are crucial for predicting investor reactions, as empirical research shows a strong correlation between earnings estimate revisions and short-term stock performance [3] Revenue Projections - Analysts estimate 'Revenues- Professional services' at $21.54 million, a decrease of 4.8% year over year [5] - 'Revenues- Software' is projected to reach $209.70 million, indicating a 1.6% increase from the previous year [5] - The consensus for 'Revenues- Scores' stands at $309.39 million, reflecting a significant increase of 28.1% year over year [5] Additional Revenue Insights - 'Revenues- On-premises and SaaS software' is expected to be $188.16 million, a 2.4% increase from the prior year [6] - 'Revenues- Scores- Business-to-consumer' is projected at $54.78 million, showing a 4% increase year over year [6] - 'Revenues- Scores- Business-to-business' is estimated at $254.14 million, indicating a substantial increase of 34.6% [7] Annual Recurring Revenue (ARR) - 'ARR - Platform' is forecasted to reach $259.20 million, up from $215.10 million year over year [7] - 'ARR - Total' is expected to be $751.23 million, compared to $709.60 million in the same quarter last year [7] - 'ARR - Non-Platform' is estimated at $492.03 million, slightly down from $494.50 million reported in the same quarter last year [8] Stock Performance - Fair Isaac shares have decreased by 15.4% in the past month, contrasting with a 4.6% increase in the Zacks S&P 500 composite [8] - The company holds a Zacks Rank 3 (Hold), suggesting it is expected to closely follow overall market performance in the near term [8]

Core Viewpoint - Analysts forecast a quarterly earnings per share (EPS) of $1.16 for American Electric Power (AEP), indicating a year-over-year decline of 7.2%, while revenues are expected to reach $4.76 billion, reflecting a 3.9% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been adjusted downward by 1.7% over the past 30 days, indicating a reassessment by analysts [2]. - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock performance [3]. Revenue Projections - Analysts estimate 'Total Revenues - Generation & Marketing' at $416.14 million, representing a year-over-year decline of 11% [5]. - 'Total Revenues - Transmission and Distribution Utilities' is projected to be $1.49 billion, showing a year-over-year increase of 3.8% [5]. - 'Total Revenues - Vertically Integrated Utilities' is expected to reach $2.81 billion, indicating a 7.2% increase from the previous year [6]. - 'Total Revenues - AEP Transmission Holdco' is forecasted at $530.05 million, reflecting an 8.2% year-over-year increase [6]. Energy Sales Estimates - 'Total Energy Sales - Retail Electric - Transmission & Distribution Utilities - Total Retail' is estimated at 24,357 gigawatt hours, up from 22,808 gigawatt hours year-over-year [7]. - 'Total Energy Sales - Retail Electric - Vertically Integrated Utilities - Total Retail' is projected to be 22,003 gigawatt hours, slightly down from 22,073 gigawatt hours year-over-year [8]. - 'Total Energy Sales - Wholesale Electric - Transmission & Distribution Utilities' is expected to reach 252 gigawatt hours, a slight decrease from 253 gigawatt hours year-over-year [9]. - 'Total Energy Sales - Transmission & Distribution Utilities - Total' is forecasted at 24,609 gigawatt hours, compared to 23,061 gigawatt hours in the same quarter last year [10]. - 'Total Energy Sales - Wholesale Electric - Vertically Integrated Utilities' is estimated at 3,339 gigawatt hours, up from 3,176 gigawatt hours year-over-year [11]. - 'Total Energy Sales - Vertically Integrated Utilities - Total' is projected to be 25,342 gigawatt hours, slightly up from 25,249 gigawatt hours year-over-year [11]. Operating Earnings Estimates - 'Operating Earnings (non-GAAP) - Vertically Integrated Utilities' is expected to be $227.99 million, down from $244.80 million in the same quarter last year [12]. - 'Operating Earnings (non-GAAP) - Transmission & Distribution Utilities' is projected at $220.80 million, compared to $215.30 million reported in the same quarter last year [13]. Stock Performance - Over the past month, AEP shares have returned +6.5%, outperforming the Zacks S&P 500 composite's +4.6% change [13].

Core Insights - LKQ Corporation reported adjusted earnings of 87 cents per share for Q2 2025, missing the Zacks Consensus Estimate of 93 cents and declining from 98 cents in the same period last year [2] - Quarterly revenues reached $3.64 billion, exceeding the Zacks Consensus Estimate of $3.61 billion but down from $3.71 billion year-over-year [2] Segment Highlights - Wholesale North American segment revenues were $1,442 million, down 2.2% year-over-year but above the estimate of $1,438 million; EBITDA was $227 million, below the forecast of $244.6 million and down from $256 million in Q2 2024 [3] - European segment revenues totaled $1.61 billion, a 2% decline year-over-year but above the estimate of $1.59 billion; EBITDA was $151 million, down from $174 million year-over-year and missing the forecast of $167.9 million [4] - Specialty segment revenues were $465 million, flat year-over-year and above the projection of $437.7 million; EBITDA was $39 million, slightly down from $41 million year-over-year but exceeding the forecast of $32.3 million [5] - Self-Service segment revenues totaled $129 million, down from $133 million in Q2 2024 and missing the estimate of $135.3 million; EBITDA was $13 million, flat year-over-year but below the estimate of $15.2 million [6] Financial Position & Dividend - As of June 30, 2025, LKQ had cash and cash equivalents of $289 million, up from $234 million at the end of 2024; total debt was $4.5 billion [7] - In Q2 2025, cash flow from operating activities was $296 million and free cash flow was $243 million [7] - The company repurchased 1 million shares worth $39 million in Q2 2025, totaling approximately 65.5 million shares repurchased for $2.9 billion since the buyback program began [8] - A quarterly cash dividend of 30 cents per share was announced, payable on August 28, 2025 [8] Revised 2025 Guidance - LKQ revised its 2025 outlook, now expecting parts and services organic revenues to decline by 1.5-3.5%, down from previous growth estimates of 0-2% [9] - Adjusted EPS guidance was lowered to a range of $3-$3.30, down from $3.40-$3.70, compared to $3.48 in 2024 [9] - Operating cash flow guidance was revised to $875 million to $1.075 billion, down from $1.075-$1.275 billion; free cash flow guidance was adjusted to $600-$750 million from $750-$900 million [10]

Core Viewpoint - UnitedHealth Group is expected to report a significant decline in earnings for Q2 2025, with projected earnings per share of $4.94, representing a 27.4% decrease year-over-year, despite a revenue increase of 12.9% to $111.6 billion [1][2][8]. Financial Performance - The Zacks Consensus Estimate for UnitedHealth's total revenues for the current year is $448.53 billion, indicating a year-over-year rise of 12.1, while the earnings per share estimate is $21.38, reflecting a 22.7% decline from the previous year [3]. - The company has beaten earnings estimates in three of the last four quarters, with an average surprise of 1.2% [4]. - The earnings whisper model indicates a negative Earnings ESP of -13.10% and a Zacks Rank of 4 (Sell), suggesting a low probability of an earnings beat this quarter [5]. Revenue Drivers - Premium revenues are expected to grow by 13.4% year-over-year, supported by contributions from the UnitedHealthcare division [9]. - The total domestic commercial customers are projected to increase by 1.5%, with Medicare Advantage members expected to rise by 6.9% and Medicaid memberships by 3.3% [10]. - Service revenues from the Optum brand are anticipated to increase by 7%, while product revenues are expected to rise by 11% [11]. Cost and Margin Pressures - Rising medical costs and increased healthcare utilization, particularly in Medicare Advantage, are expected to elevate overall expenses by 14.1% year-over-year, impacting margins [12]. - The medical care ratio is projected to increase to 88.6%, up from 85.1% in the previous year, with medical costs expected to rise by 14.9% [13]. Stock Performance and Valuation - UnitedHealth's stock has declined by 42.2% year-to-date, underperforming the industry average decline of 34.3% and the S&P 500's growth of 7.6% [14]. - The current valuation of UnitedHealth is 12.58X forward 12-month earnings, above the industry average of 11.58X, indicating a stretched valuation despite the price drop [18]. Strategic Challenges - The company has been removed from major Russell growth indices due to declining stock price and growth profile, with rising medical costs and high-acuity patient volumes compressing margins [20]. - Recent leadership changes and regulatory risks surrounding the Optum Rx segment have further shaken investor confidence, leading to perceptions of UnitedHealth as a risky investment [21].

Core Insights - SEI Investments Co. (SEIC) reported a second-quarter 2025 earnings per share (EPS) of $1.78, exceeding the Zacks Consensus Estimate of $1.18, and reflecting a 70% increase from the prior-year quarter [1][9] - The net income for the quarter was $227.1 million, up 63% from the year-ago quarter, surpassing the estimate of $145.3 million [1] Revenue and AUM Performance - Total revenues reached $559.6 million, marking an 8% year-over-year increase, driven by higher asset management, administration, distribution fees, and information processing and software servicing fees, although it fell short of the Zacks Consensus Estimate of $561.1 million [2][9] - Assets under management (AUM) stood at $517.5 billion, reflecting a 10% increase from the prior-year quarter, while client assets under administration (AUA) rose 11% year over year to $1.14 trillion [4][9] Expense Analysis - Total expenses amounted to $411 million, up 7% year over year, primarily due to increases in almost all cost components, except for amortization and depreciation charges, and slightly above the estimate of $409.8 million [3] - Operating income increased by 9% year over year to $148.6 million, exceeding the estimate of $139.7 million [3] Share Repurchase Activity - In the reported quarter, SEIC repurchased 2.2 million shares for $180.8 million at an average price of $83.60 per share [5] Strategic Outlook - The company's global presence, diverse product offerings, solid balance sheet, strategic acquisitions, and robust AUM balance are expected to support revenue growth, despite concerns over elevated operating expenses and concentrated fee-based revenues [6]