International Money Express (IMXI) Q1 2025 Earnings Call May 07, 2025 09:00 AM ET Company Participants Alex Sadowski - Investor RelationsRobert Lisy - Chairman, President & CEOAndras Bende - Chief Financial OfficerMarcelo Theodoro - Chief Product, Digital & Marketing OfficerMike Grondahl - Head of Equities & Director of ResearchAlex Markgraff - Vice President - Equity Research Conference Call Participants Chris Zhang - ED - Equity Research AnalystGustavo Gala - AnalystAndrew Harte - Director & FinTech Analy ...

Company reports solid volume growth, continued execution of omnichannel strategy Company to Host Conference Call Today at 9 a.m. ET MIAMI, May 07, 2025 (GLOBE NEWSWIRE) -- International Money Express, Inc. (NASDAQ: IMXI) ("Intermex" or the "Company"), one of the nation's leading global omnichannel money transfer services to Latin America and the Caribbean, today reported financial and operating results for the first quarter of 2025. Financial performance highlights for the first quarter of 2025: Bob Lisy, C ...

-- Generated $52.5 million in net revenue from sales of LUMRYZ™, a 93% increase over the first quarter of 2024 -- -- 2,800 patients on LUMRYZ as of March 31, 2025, a net increase of 300 patients since December 31, 2024 and a 100% year over year increase over the first quarter of 2024 -- -- Raises 2025 guidance; expects to generate $255 - $265 million in net product revenue and cash flow of $30 - $40 million, driven by 3,400 - 3,600 patients on LUMRYZ by year end -- -- Federal Circuit ruled in Avadel's favor ...

Brilliant Earth Group (BRLT) Q1 2025 Earnings Call May 06, 2025 08:30 AM ET Speaker0 Good day and thank you for standing by. Welcome to the Brilliant Earth First Quarter twenty twenty five Earnings Conference Call. At this time, all participants are in a listen only mode. After the speakers' presentation, there'll be a question and answer session. To ask a question during the session, you'll need to press 11 on your telephone. You will then hear an automated message advising your hand is raised. Please be a ...

今天分享的是：2024年放眼支付之外：跨境结账变革数字化趋势研究报告（英文版） 报告共计：32页 《2024年放眼支付之外：跨境结账变革数字化趋势研究报告（英文版）》探讨了亚太地区数字支付领域的新趋势。核心观点 为：亚太地区在数字支付领域处于全球领先地位，支付创新推动了经济的包容性增长和数字化转型，公私合作对于支付互联互 通至关重要，数字钱包正朝着提供多元化服务的方向发展。 1. 数字支付变革：数字钱包在全球迅速发展，亚太地区支出占全球近三分之二，数字钱包渗透率最高。2023年，亚太地区数字 钱包在电商和线下交易中均占主导地位，其便捷性和安全性受消费者青睐。此外，数字钱包市场吸引众多行业参与者，推动支 付创新。 2. 公私合作推动支付互联互通：随着跨境商务和旅游的发展，支付互联互通成为关键。公私部门合作升级数字支付基础设施， 如推出开放银行法规、实时支付系统和标准化二维码。东南亚地区建立了二维码支付生态系统，促进了区域内的支付互联互 通。 3. 数字钱包拓展服务：为适应全渠道购物趋势，数字钱包演变为超级应用，集成多种第三方服务。超级应用简化购物流程，通 过数据分析提供个性化体验，推动零售行业的全渠道转型。像印 ...

Financial Data and Key Metrics Changes - For the fourth quarter, net sales declined to $148.9 million from $165.9 million in the prior year quarter, primarily due to an extra week in the previous year and a decline in store count by approximately 4% [12][13] - Adjusted EBITDA improved by $6 million year over year, reflecting a strong focus on operational efficiency [4][11] - Net income for the quarter was $7.9 million compared to $10.1 million in the prior year quarter, with adjusted earnings per diluted share at $0.54 compared to $0.82 [17] Business Line Data and Key Metrics Changes - Comparable store sales decreased by 0.6%, with a 1.6% increase in comparable store sales offset by a 7.9% decline in e-commerce sales [13] - The company saw increases in holiday, fragrance, gift, and textiles categories, but these were not enough to offset declines in higher ticket categories such as furniture and decor [14] Market Data and Key Metrics Changes - Sales performance was relatively consistent across the country, with slightly better results in Texas and the South, while the Midwest and West showed weaker results [15] - The gross profit margin decreased by 180 basis points to 30.3% of sales, primarily due to increased promotional activity during the holiday period [15] Company Strategy and Development Direction - The company is focusing on a capital-light store conversion strategy leveraging Bed Bath and Beyond Home and Overstock brands to maximize existing inventory and enhance store productivity [5][6] - A strategic partnership with Beyond is expected to drive growth and improve the balance sheet, with plans for aggressive store conversions and a multibrand national real estate strategy [4][7] Management's Comments on Operating Environment and Future Outlook - Management acknowledged challenges in the current consumer and operating environment but remains optimistic about long-term opportunities, particularly through the partnership with Beyond [23][24] - The company is actively working to mitigate tariff impacts by diversifying sourcing and negotiating costs with vendors [10][22] Other Important Information - The company ended the quarter with $81.9 million in inventory, a 10.5% increase from the previous year, reflecting higher freight costs and planned receipt flow [18] - Total debt outstanding was $58.5 million, with a significant paydown of $21.9 million compared to the end of the third quarter [18][19] Q&A Session Summary Question: Can you clarify the fundamental sales trends and same store sales performance? - Management indicated that same store sales were roughly flat for the brick and mortar channel in March and April, with some weakness later in the period [28] Question: How is the e-commerce business performing? - E-commerce remains a headwind, continuing the trend seen in the previous year [29] Question: What is the company's strategy regarding tariffs and sourcing? - The company is holding goods from China and diversifying sourcing to countries with less significant tariff impacts, while also engaging with domestic partners for available inventory [32][33] Question: What is the timeline for the conversion of stores to Bed Bath and Beyond Home and Overstock? - The Nashville location for Bed Bath and Beyond Home is already in the process of conversion, with expectations for a capital-light approach [46]

Safe Harbor and Non-GAAP Disclosures Forward-Looking Statement and Risk Factors Investor Presentation First Quarter 25 The Markets at Town Center Jacksonville, Florida This communication contains , contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). The Company intends such forward-looking statements to be covered by the safe har ...

Financial Data and Key Metrics Changes - Organic net sales declined by 4.7% year-over-year, with price up 0.9 percentage points and volume mix down 5.6 percentage points [42] - Adjusted operating income decreased by 5.2%, while adjusted operating income margin increased by 30 basis points due to strong performance in emerging markets [44] - Free cash flow conversion improved by 9 percentage points year-over-year, reaching 65% [49] - Adjusted EPS declined by 10.1% to $0.62, impacted by a higher effective tax rate [49][57] Business Line Data and Key Metrics Changes - North America organic net sales declined by 6.5%, with growth in Canada offset by lower sales in U.S. retail and away from home [42] - International developed markets saw a 1.7% decline in organic net sales, primarily due to a slowdown in the UK [43] - Emerging markets experienced a 3.9% increase in organic net sales, driven by recovery in Brazil [43][32] Market Data and Key Metrics Changes - The U.S. away from home market faced challenges due to declining traffic, impacting total U.S. away from home business [14][31] - Emerging markets showed strong growth, with Heinz brand sales in these markets reaching over $1 billion [32] Company Strategy and Development Direction - The company is focused on unlocking efficiencies and reinvesting in the business to drive brand and product growth [9][11] - A commitment to continuous improvement is emphasized, with a goal to unlock $2.5 billion in gross efficiencies by 2027 [10] - The brand growth system is being expanded to cover 40% of sales by year-end, up from 10% in 2024 [11][15] Management's Comments on Operating Environment and Future Outlook - Management acknowledged pressures from inflation and tariffs, leading to a revised outlook for organic net sales and operating income [7][54] - The company expects organic net sales to decline between 1.5% to 3.5% for the full year, reflecting worsening consumer sentiment [54][55] - Management remains optimistic about emerging markets, anticipating double-digit growth by the end of 2025 [43][54] Other Important Information - The company returned nearly $900 million to shareholders year-to-date, maintaining a net leverage target of approximately 3x [52] - Significant marketing investments are planned for 2025, with a focus on optimizing media spend and driving better returns [47] Q&A Session Summary Question: What are the expectations for organic net sales in 2025? - The company has lowered its expectations for organic net sales to a range of down 1.5% to down 3.5% due to macroeconomic challenges [54] Question: How is the company addressing inflation and cost pressures? - The company is increasing investments in pricing and optimizing marketing spend to support brands and mitigate inflation impacts [46][55] Question: What is the outlook for emerging markets? - Emerging markets are expected to continue growing, with a target of reaching double-digit growth by the fourth quarter of 2025 [43][54]

Financial Data and Key Metrics Changes - Organic net sales declined by 4.7% year-over-year, with price up 0.9 percentage points and volume mix down 5.6 percentage points [42] - Adjusted operating income decreased by 5.2%, while adjusted operating income margin increased by 30 basis points due to strong performance in emerging markets [44] - Free cash flow conversion improved by 9 percentage points year-over-year, reaching 65% [49] Business Line Data and Key Metrics Changes - North America organic net sales declined by 6.5%, impacted by lower sales in U.S. retail and away from home [42] - Emerging markets saw organic net sales growth of 3.9%, an improvement from 2.2% in the previous quarter [43] - Adjusted operating income in North America decreased by 9.4%, while in emerging markets, it increased by 20.3% [44][45] Market Data and Key Metrics Changes - The U.S. away from home market faced a downturn due to economic uncertainty, with traffic declining across the sector [29][31] - International developed markets experienced a 1.7% decline in organic net sales, primarily due to weakening consumer sentiment in the UK [43] - Emerging markets are expected to reach double-digit growth by the fourth quarter of 2025 [43] Company Strategy and Development Direction - The company is focused on unlocking efficiencies and reinvesting in the business to drive brand and product growth [9][11] - A commitment to continuous improvement is emphasized, with a goal to unlock $2.5 billion in gross efficiencies by 2027 [10] - The brand growth system is being expanded to cover 40% of sales by year-end, up from 10% in 2024 [11][15] Management's Comments on Operating Environment and Future Outlook - Management acknowledged pressures from inflation and tariffs, impacting consumer sentiment and business operations [6][60] - The company has lowered its organic net sales expectations for 2025, now anticipating a decline of 1.5% to 3.5% [53][54] - Future guidance reflects increased costs and a wider range of uncertainty due to macroeconomic dynamics [55] Other Important Information - The company returned nearly $900 million to shareholders year-to-date, maintaining a net leverage target of approximately 3x [52] - Adjusted EPS is expected to be in the range of $2.51 to $2.67, reflecting changes in organic net sales and operating income estimates [56] - The company is investing in strategic areas, including marketing efficiency and brand support, to drive growth [47] Q&A Session Summary Question: What are the expectations for organic net sales in 2025? - The company now expects organic net sales to decline by 1.5% to 3.5%, a revision from previous expectations of flat to down 2.5% [53][54] Question: How is the company addressing inflation and consumer sentiment challenges? - The company is focusing on unlocking efficiencies, optimizing marketing spend, and increasing investments in pricing to support brands [46][60] Question: What is the outlook for emerging markets? - Emerging markets are expected to continue growing, with a target of reaching double-digit growth by the fourth quarter of 2025 [43]

Core Insights - Idorsia Ltd announced the publication of a study on daridorexant, highlighting its effectiveness in treating chronic insomnia by reducing nighttime wakefulness and improving next-morning sleepiness [1][2] Group 1: Study Findings - The Phase 3 study demonstrated that daridorexant significantly reduced wake after sleep onset (WASO) compared to placebo, with similar rates of daytime somnolence [4] - Data from 930 patients showed that both 25 mg and 50 mg doses of daridorexant significantly decreased WASO in the second, third, and fourth quarters of the night, with effects being dose-dependent [4] - Improvements in next-morning sleepiness, daytime alertness, and ability to function were observed from Day 1 and continued to improve over the 3-month treatment duration [7] Group 2: Mechanism of Action - Daridorexant is a dual orexin receptor antagonist that blocks wake-promoting orexin neuropeptides, providing a targeted approach to managing insomnia without broad inhibition of brain activity [6] - The drug's mechanism allows for restorative sleep while avoiding next-morning residual effects, a common issue with traditional sleep medications [5] Group 3: Market Context - Insomnia affects approximately 10% of the global population, translating to around 25 million adults in the US alone, indicating a significant market opportunity for effective treatments like daridorexant [9][10] - Current insomnia management strategies include sleep hygiene, cognitive behavioral therapy, and pharmacotherapy, with daridorexant offering a novel pharmacological option [11]