Core Insights - Robert Half International Inc. (RHI) reported strong fourth-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1][11] - Quarterly earnings were 32 cents per share, surpassing the consensus by 6.7%, but showed a decline of 39.6% year over year [1] - Revenues reached $1.30 billion, beating the consensus by 0.9%, yet decreased by 5.8% year over year [1] Financial Performance - RHI's shares have decreased by 58.2% year over year, contrasting with a 41.3% decline in the Staffing Firms industry and a 17.6% increase in the Zacks S&P 500 composite [2] - Talent Solutions revenues were $720.85 million, down 9% year over year, missing the estimate of $801.3 million [3] - U.S. Talent Solutions revenues were $623 million, also down 9% year over year, while non-U.S. revenues fell 8% to $200 million [3] - Protiviti revenues totaled $479 million, down 3% year over year, falling short of the expectation of $487.8 million [4] - U.S. Protiviti revenues decreased by 6% to $373 million, while non-U.S. revenues increased by 9% to $106 million [4] Currency Impact and Margins - Currency exchange rate movements contributed an increase of $10 million to total revenues year over year, with $5 million attributed to both Talent Solutions and Protiviti [5] - Adjusted gross profit for the quarter was $494.14 million, down 8% year over year, with a gross profit margin of 37.9%, a decrease of 100 basis points year over year [6] Balance Sheet and Cash Flow - RHI ended the quarter with cash and cash equivalents of $464.44 million, down from $537.58 million in the fourth quarter of 2024 [7] - Cash flow from operations was $183 million, with capital expenditures of $53.16 million and $59 million paid out in dividends [7] Guidance - RHI anticipates 61.9 billing days for Q1 2026, consistent with Q1 2024, and expects a total of 250.7 billing days for the year, the same as in 2025 [8] - The projected tax rate for Q1 2026 is between 56-58%, with capital expenditures expected to range from $10 million to $20 million [9] - For the full year 2026, capital expenditures are estimated to be between $70 million and $90 million, with a tax rate projected between 33% and 35% [9]

Core Insights - Valley National Bancorp (VLY) reported better-than-expected quarterly results, with adjusted earnings per share (EPS) of 31 cents, surpassing the Zacks Consensus Estimate of 29 cents and significantly up from 13 cents in the prior year [2][9] Financial Performance - The fourth-quarter 2025 adjusted EPS of 31 cents was supported by increased net interest income (NII) and non-interest income, along with lower provisions for credit losses [3][9] - For the full year 2025, adjusted EPS was 99 cents, beating the Zacks Consensus Estimate of 97 cents, representing a 59.7% increase year over year [4] - Net income on a GAAP basis for 2025 was $598 million, up 57.3% year over year [4] Revenue and Income Breakdown - Total revenues for the fourth quarter were $542.5 million, a 14.1% increase year over year, exceeding the Zacks Consensus Estimate of $524.7 million [5] - For 2025, total revenues reached $2.03 billion, up 9.3%, also surpassing the Zacks Consensus Estimate of $2.01 billion [5] - NII for the fourth quarter was $466.1 million, a 9.9% increase year over year, with a net interest margin of 3.17%, expanding by 25 basis points [6] Expense Management - Non-interest expenses for the fourth quarter were $299.4 million, up 7.5% year over year, while adjusted non-interest expenses rose 5% to $289.5 million [6] - The adjusted efficiency ratio improved to 53.49%, down from 57.21% in the prior-year quarter, indicating enhanced profitability [7] Loan and Deposit Growth - As of December 31, 2025, total loans were $50.1 billion, up 1.8% from the previous quarter, and total deposits were $52.2 billion, up 2% [8] Credit Quality - Total non-performing assets (NPAs) were $439.8 million, an increase of 17.8% year over year, while the allowance for credit losses as a percentage of total loans was 1.19%, up 2 basis points [8] Profitability and Capital Ratios - The adjusted annualized return on average assets was 1.14%, up from 0.48% in the prior year, and the return on average shareholders' equity was 9.33%, up from 4.17% [11] - The tangible common equity to tangible assets ratio was 8.82%, up from 8.40% in the previous year, and the Tier 1 risk-based capital ratio was 11.69%, up from 11.55% [12] Share Repurchase Activity - In the reported quarter, VLY repurchased 4.3 million shares at an average price of $10.93 under its ongoing stock buyback program [13] Strategic Outlook - The company's focus on strengthening fee income, higher NII, and solid loan and deposit growth is expected to support its financials, despite concerns over rising costs and asset quality [14]

Core Insights - Arthur J. Gallagher & Co. (AJG) reported fourth-quarter 2025 adjusted net earnings of $2.38 per share, exceeding the Zacks Consensus Estimate by 1.2% and reflecting an 11.7% year-over-year increase [1][8] - The company's performance was bolstered by margin expansion in the Risk Management segment, increased commissions, fees, supplemental revenues, and improved EBITDAC [1][8] Operational Update - Total revenues reached $3.6 billion, surpassing the Zacks Consensus Estimate by 0.3% and showing a 33.8% year-over-year growth, driven by higher commissions, fees, supplemental revenues, and contingent revenues [2][8] - Total expenses rose 44.7% year over year to $3.4 billion, attributed to increased compensation, operating costs, reimbursements, interest, depreciation, and amortization [2] Earnings Metrics - Earnings before interest, tax, depreciation, and amortization (EBITDAC) grew 3.3% year over year to $710 million [3] Segmental Results - Brokerage segment revenues increased 38% year over year to $3.2 billion, driven by higher commissions and fees [4] - Expenses in the brokerage segment rose 46.7% year over year to $2.7 billion, with adjusted EBITDAC climbing 32% to $1 billion, although the margin contracted by 80 basis points to 32.2% [4] - Risk Management segment revenues increased 13% year over year to $417 million, with expenses rising 12.9% to $392 million, leading to an adjusted EBITDAC improvement of 16.8% to $90 million and a margin expansion of 90 basis points to 21.6% [5] Financial Update - As of December 31, 2025, total assets were $70.6 billion, a 10% increase from the previous year, with cash and cash equivalents rising 90.6% to $1.4 billion [6] - Shareholders' equity increased 15.6% to $23.3 billion compared to December 31, 2024 [6] Dividend Update - The board declared a quarterly cash dividend of 70 cents per share, a 7.6% increase from the previous dividend of 65 cents, payable on March 20, 2026 [7] Acquisition Update - In the quarter, the company closed six acquisitions with estimated annualized revenues of approximately $118 million [9] Full-Year Update - For the full year, total revenues increased 20.6% year over year to $13.7 billion, slightly missing the consensus estimate by 0.1% [10] - The company completed 31 acquisitions in 2025, with estimated annualized revenues of $3.5 billion, and adjusted earnings for the year were $10.69 per share, up 5.8% year over year, beating the Zacks Consensus Estimate by 0.2% [10]

Core Viewpoint - Charter Communications is expected to report a decline in fourth-quarter earnings and revenue compared to the previous year [1][2] Group 1: Earnings Expectations - Analysts anticipate Charter Communications will report fourth-quarter earnings of $9.88 per share, down from $10.1 per share in the same period last year [1] - The consensus estimate for quarterly revenue is $13.73 billion, a decrease from $13.93 billion reported in the previous year [1] Group 2: Recent Financial Activity - On January 13, Charter Communications announced the closure of $3.0 billion in aggregate principal amount of senior unsecured notes [2] - Following this announcement, shares of Charter Communications increased by 4.8%, closing at $191.52 [2]

Core Insights - Apple reported a revenue of $143.76 billion for the quarter ended December 2025, marking a 15.7% increase year-over-year and exceeding the Zacks Consensus Estimate by 4.32% [1] - The earnings per share (EPS) for the quarter was $2.84, up from $2.40 in the same quarter last year, representing a surprise of 7% over the consensus estimate of $2.65 [1] Revenue Performance - Greater China revenue reached $25.53 billion, surpassing the average estimate of $21.91 billion, with a year-over-year increase of 37.9% [4] - Europe generated $38.15 billion, exceeding the estimate of $36.59 billion, reflecting a 12.7% year-over-year growth [4] - Revenue from the Rest of Asia Pacific was $12.14 billion, above the estimated $11.39 billion, showing an 18% increase year-over-year [4] - Japan's revenue was $9.41 billion, slightly below the estimate of $9.5 billion, with a year-over-year growth of 4.7% [4] - The Americas contributed $58.53 billion, slightly below the estimate of $58.85 billion, with an 11.2% year-over-year increase [4] Sales by Category - iPhone sales amounted to $85.27 billion, significantly exceeding the estimate of $78.03 billion, with a year-over-year increase of 23.3% [4] - Services generated $30.01 billion, matching the average estimate, and reflecting a 13.9% year-over-year growth [4] - Wearables, Home and Accessories sales were $11.49 billion, below the estimate of $12.19 billion, showing a decline of 2.2% year-over-year [4] - Mac sales were $8.39 billion, below the estimate of $9.07 billion, representing a decrease of 6.7% year-over-year [4] - iPad sales reached $8.6 billion, slightly above the estimate of $8.49 billion, with a year-over-year increase of 6.3% [4] - Total net sales for products were $113.74 billion, exceeding the estimate of $107.77 billion, with a year-over-year increase of 16.1% [4] Market Performance - Over the past month, Apple's shares have returned -5.7%, while the Zacks S&P 500 composite has increased by 0.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - Olin reported revenue of $1.67 billion for the quarter ended December 2025, a decrease of 0.4% year-over-year, with an EPS of -$0.58 compared to $0.09 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate by 5.33%, while the EPS was slightly below the consensus estimate [1] Financial Performance - Olin's sales in the Epoxy segment reached $359.3 million, surpassing the average estimate of $293.07 million by 27.3% year-over-year [4] - Sales from Chlor Alkali Products and Vinyls were $856.4 million, slightly above the average estimate of $854.77 million, but represented a year-over-year decline of 10.2% [4] - Winchester sales amounted to $449.4 million, exceeding the estimated $406.54 million, reflecting a 3.2% increase compared to the previous year [4] Income Metrics - The income (loss) before taxes for Chlor Alkali Products and Vinyls was -$14.7 million, significantly below the average estimate of $46.26 million [4] - Winchester's income (loss) before taxes was $0.6 million, also below the average estimate of $7.84 million [4] - The income (loss) before taxes for the Epoxy segment was -$19.2 million, better than the average estimate of -$41.15 million [4] Stock Performance - Olin's shares have returned +9.2% over the past month, outperforming the Zacks S&P 500 composite, which saw a +0.8% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Viewpoint - L3Harris Technologies reported mixed fourth-quarter earnings, leading to a decline in stock prices due to confusing guidance provided by the company [1]. Group 1: Earnings Performance - L3Harris stock has increased approximately 69% over the past 12 months, indicating strong performance prior to the earnings report [1]. Group 2: Guidance and Market Reaction - The guidance issued by L3Harris was described as confusing, contributing to investor concerns and subsequent stock price decline [1].

Apple Inc (NASDAQ:AAPL) reported financial results for the first quarter of fiscal 2026 after the market close on Thursday. Here’s a look at the key details from the report. Apple stock is trading near recent highs. What’s ahead for AAPL stock?Apple Smashes Analyst Estimates In Q1Apple reported fiscal first-quarter revenue of $143.76 billion, beating analyst estimates of $138.42 billion. The iPhone maker reported earnings of $2.84 per share for the first quarter, beating analyst estimates of $2.66 per share ...

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Core Insights - Mastercard Incorporated reported fourth-quarter 2025 adjusted earnings of $4.76 per share, exceeding the Zacks Consensus Estimate by 13.3%, with a year-over-year improvement of 25% [1] - Net revenues increased by 18% year over year to $8.8 billion, surpassing the consensus mark by 0.8% [1] Financial Performance - Gross dollar volume (GDV) rose 7% on a local-currency basis to $2.82 trillion, slightly below the Zacks Consensus Estimate of $2.84 trillion [3] - Cross-border volumes grew 14% on a local currency basis, while switched transactions improved 10% year over year to 46.5 billion, exceeding the consensus mark of 46.2 billion [4] - Value-added services and solutions' net revenues reached $3.9 billion, a 26% year-over-year increase, surpassing the model estimate of $3.7 billion [5] - Adjusted operating income climbed 21% year over year to $5.1 billion, beating the model estimate of $4.9 billion, with an adjusted operating margin improvement of 140 basis points to 57.7% [7] Operational Metrics - Payment network rebates and incentives increased by 20% year over year due to new and renewed deals [6] - As of December 31, 2025, Mastercard's clients issued 3.7 billion Mastercard and Maestro-branded cards [6] Financial Position - Cash and cash equivalents stood at $10.6 billion, a 25.2% increase from the end of 2024 [8] - Total assets rose 12.6% to $54.2 billion, while total equity increased by 18.9% to $7.7 billion [8] - Long-term debt amounted to $18.3 billion, up 4.4% from the previous year [8] Cash Flow and Capital Deployment - Mastercard generated net cash from operations of $17.6 billion in 2025, a 19.4% increase from 2024 [9] - The company repurchased 6.4 million shares for $3.6 billion in the fourth quarter, with an additional 1.3 million shares bought back for $715 million between January 1 and January 26 [10] - Dividends paid during the quarter totaled $684 million [11] Future Guidance - Management projects low teens growth in net revenues for the first quarter of 2026, with adjusted operating expenses expected to grow in the low double digits [13] - For the full year 2026, net revenues are estimated to witness high-end low double-digit growth from 2025 figures, with adjusted operating expenses also expected to grow in the low double digits [14]