America’s Car-Mart (CRMT) Q4 2025 Earnings Call June 12, 2025 09:00 AM ET Company Participants Vickie Judy - Chief Accounting OfficerDouglas Campbell - CEO & PresidentJonathan Collins - CFOJamie Fischer - COOKyle Joseph - Managing DirectorJohn Murphy - Managing Director Conference Call Participants Vincent Caintic - MD & Finance Analyst Vickie Judy I'm Vicky Judy, the company's chief accounting officer. Welcome to America's Car Mart's Fourth Quarter Fiscal Year twenty twenty five Earnings Call for the perio ...

Financial Data and Key Metrics Changes - The company reported a net income of $17.9 million for the fiscal year 2025, a significant improvement of over $49 million from a net loss of $31.4 million in the previous year [11] - Gross margin for Q4 increased to 36.4%, up from 35.5% in the prior year, with a full-year gross margin of 36.7%, reflecting a 200 basis point improvement [24][25] - Net charge-offs as a percentage of average finance receivables improved to 6.9% in Q4 from 7.3% in the prior year [27] Business Line Data and Key Metrics Changes - The company sold 57,022 units for the full year, a decrease of 1.7% year-over-year, but Q4 saw a 2.6% increase in unit sales volume [21] - Interest income increased by 4.2% in Q4, contributing to incremental revenue growth despite a decrease in vehicle sales price [21] - The average time to repossession improved by 14% compared to the same period in the prior year, indicating better customer retention [27] Market Data and Key Metrics Changes - The average selling price of vehicles decreased by $316 to $17,240 in Q4, yet the company managed to drive a 1.5% increase in revenue compared to the prior year [21] - The company experienced a tighter supply environment, with procurement costs increasing by approximately $300 per unit due to tariffs [34] Company Strategy and Development Direction - The company is focusing on enhancing its collections infrastructure and has relaunched the "Pay Your Way" platform to provide more flexible payment options for customers [12][13] - A new seven by seven underwriting scorecard has been implemented to improve risk assessment and pricing strategies, which is expected to enhance credit performance [15][19] - The company aims to leverage its balance sheet and integrated sales and financing model to capture additional market share and drive future growth [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating the dynamic used car market and emphasized the importance of diversifying underwriting to expand the asset base [34][35] - The leadership team acknowledged the ongoing challenges posed by a tighter supply environment but remains optimistic about the company's strategic initiatives and growth opportunities [36] Other Important Information - The company successfully closed a term securitization, issuing $216 million in asset-backed notes with a weighted average coupon of 6.27%, reflecting improved investor confidence [9] - SG&A expenses increased by 8.6% due to investments in technology and talent, but the company achieved a 6.1% increase in SG&A per customer, indicating improved cost efficiency [31] Q&A Session Summary Question: Impact of macroeconomic factors on business - Management noted that the speculative nature of the wholesale environment began affecting pricing towards the end of the quarter, but overall sales growth is seen as sustainable rather than a pull forward from tax season [40][41] Question: Updates on operational upgrades and partnerships - Management highlighted that gross profit margins have improved, and they are optimistic about the ongoing partnership with Cox Automotive to enhance operational efficiency [46][47] Question: Effects of risk-based pricing on P&L - The rollout of risk-based pricing is expected to improve returns on lower-ranked customers while also driving volume growth among higher-quality customers [53][54] Question: Condition of low-end consumers - Management indicated that while there are signs of strain on consumers, there are no significant cracks in the foundation yet, and the company remains a competitive option for financing [70][73] Question: Future direction of underwriting changes - Management is exploring opportunities to move upmarket while ensuring that core customers continue to have access to financing options [75][78] Question: Capital markets success and its impact - The company is focused on maturing its capital structure and has successfully securitized over $2 billion in receivables, which is expected to lower interest rates and fuel growth [82][84]

Company introduces breakthrough ad tools that deliver brand messages based on real-world behavior and prove in-store impact with deterministic measurementSAN FRANCISCO, June 12, 2025 (GLOBE NEWSWIRE) -- Life360 (Nasdaq: LIF), the leading family connection and safety company, today announced two category-defining innovations within its ad platform: Place Ads by Life360, a location-based, targeting product that reaches families based on real-world behavior and household context, and Uplift by Life360, a best- ...

Omer, Israel, June 12, 2025 (GLOBE NEWSWIRE) -- Odysight.ai Inc. (Nasdaq: ODYS), a leading provider of visual based predictive maintenance (PdM) and condition-based monitoring (CBM) solutions, today announced it will participate in the 15th Annual ROTH London Conference taking place June 25–26, 2025, in London, U.K. Einav Brenner, Chief Financial Officer, will be available for one-on-one investor meetings on site both days. To schedule a meeting, please contact your ROTH representative. About the ROTH Londo ...

Core Insights - Predictive Oncology Inc. has developed 3D organoid models for Labcorp to enhance drug discovery and preclinical analysis of cancer therapies [1][2][3] - The new models include human and rat liver toxicity models that simulate the liver microenvironment for evaluating drug metabolism and toxicity [2][3] - These organoid models aim to predict in vivo drug clearance, transport, and hepatotoxicity, providing species-specific data that captures hepatic cellular heterogeneity [3][4] Company Developments - The 3D organoid models complement Predictive Oncology's existing AI-driven 2D platform and 3D spheroids, which utilize a biobank of over 150,000 frozen tumor samples [3][6] - The company’s AI platform, PEDAL, predicts with 92% accuracy whether a tumor sample will respond to specific drug compounds, aiding in informed drug selection [6] Industry Trends - The use of organoid-based platforms is seen as a key driver in transforming healthcare, accelerating drug development, and reducing reliance on animal models [4] - There is a growing investment in personalized medicine and biotechnology, with organoids offering cost-effective and high-fidelity alternatives to traditional research methods [4]

Core Viewpoint - Intensity Therapeutics, Inc. has announced a public offering of 6,675,000 shares at a price of $0.30 per share, aiming to raise approximately $2,002,500 before expenses, with a closing date expected on June 13, 2025 [1][2] Group 1: Offering Details - The public offering consists of 6,675,000 shares priced at $0.30 each, generating gross proceeds of $2,002,500 [1] - The underwriters have a 45-day option to purchase an additional 1,001,250 shares to cover over-allotments [1] - The offering will close on June 13, 2025, pending customary closing conditions [1] Group 2: Use of Proceeds - The net proceeds from the offering will be utilized for patient enrollment and data readout in the INVINCIBLE-4 Study, treatment of patients in the INVINCIBLE-3 Study, and for general corporate purposes [2] Group 3: Company Overview - Intensity Therapeutics is a late-stage clinical biotechnology company focused on developing immune-based intratumoral cancer therapies [5] - The investigational drug INT230-6 has shown potential in killing tumors and eliciting immune responses, with over 200 patients enrolled in clinical trials [5] - The company has completed two clinical studies and initiated a Phase 3 trial in soft tissue sarcoma and a Phase 2 study for presurgical triple-negative breast cancer [5]

Core Viewpoint - Intensity Therapeutics, Inc. plans to conduct an underwritten public offering of its common stock to fund clinical trials and general corporate purposes [1][2]. Company Overview - Intensity Therapeutics is a late-stage clinical biotechnology company focused on developing immune-based intratumoral cancer therapies that aim to kill tumors and enhance immune system recognition of cancers [1][5]. - The company has developed a novel drug, INT230-6, which has shown the ability to kill tumors and elicit an adaptive immune response shortly after injection, potentially transforming the treatment of various cancers [5]. Clinical Trials and Studies - Intensity has completed two clinical studies involving over 200 patients, including a Phase 1/2 dose escalation study in metastatic cancers and a Phase 2 randomized control trial in locally advanced breast cancer [5]. - The company is currently conducting a Phase 3 trial in soft tissue sarcoma (INVINCIBLE-3 Study) and a Phase 2 study in collaboration with The Swiss Group for Clinical Cancer Research (INVINCIBLE-4 Study) [5]. Use of Proceeds - The net proceeds from the public offering will be allocated to patient enrollment and data readout for the INVINCIBLE-4 Study, treatment of patients in the INVINCIBLE-3 Study, and for working capital and general corporate purposes [2]. Offering Details - The securities will be offered under a shelf registration statement filed with the SEC, and a preliminary prospectus supplement will be available for interested parties [3].

BrightSpring Health Services (BTSG) FY 2025 Conference June 11, 2025 02:40 PM ET Speaker0 Wanted to start, you just joined as CFO. You've been with the company a long time, but just as you get to know the investor community, just wanted to give you a chance to talk about your background and what you bring to the CFO seat that's new and helps the strategy of the company going forward. Speaker1 Sure. Thank you. I've been with the company for over eight and a half years, have been a part of everything that we' ...

Novavax (NVAX) FY Conference June 11, 2025 02:00 PM ET Speaker0 Are we ready to go? Are we live? Oh, hello, everyone. Speaker1 Hi, I'm John Jacobs, CEO of Novavax, and I'm joined here today by Jim Kelly, our CFO, and Doctor. Roxandra Draghia, who heads up our R and D. I want to thank everyone who's here today to join us and listening in to our presentation at the Goldman Sachs forty sixth Annual Global Healthcare Conference. Today's 06/11/2025. I'll advance the slide to our cautionary note regarding forward ...

Core Insights - Unisys Corporation (UIS) is focusing on Device Subscriptions Service (DSS) as a growth driver within its Digital Workplace Solutions (DWS) segment, aligning innovations with client needs such as cost optimization and security [1][9] - The company has established a solid pipeline of DSS opportunities, leading to new client investments, including contracts for 380,000 devices with a global tech company and 21,000 devices with a biotech client [2][9] - Unisys has added technology partners Easy Vista and Freshworks to enhance its DWS ecosystem, expecting an increase in DSS signings in the latter half of the year [3][9] Competitive Landscape - Unisys is competing in the device-as-a-service (DaaS) market against major players like HP Inc. and Dell Technologies, both of which have established subscription-based hardware platforms [4] - HP's DaaS model offers bundled solutions with analytics-driven fleet management, targeting large enterprises for operational efficiency [5] - Dell's APEX and ProSupport services provide robust endpoint security and automation, emphasizing flexibility and integration similar to Unisys' approach [6][7] Financial Performance - Unisys shares have increased by 22.4% over the past three months, outperforming the industry growth of 5% [8] - The company's current valuation is attractive, with a forward 12-month price-to-earnings (P/E) ratio of 5.23X, indicating a discount compared to industry peers [11] - The Zacks Consensus Estimate predicts a year-over-year earnings increase of 28.9% for 2025 and 120.7% for 2026, with stable earnings estimates over the past month [13]