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Wintrust (WTFC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
ZACKS· 2025-10-20 23:31
Core Insights - Wintrust Financial reported a revenue of $697.84 million for the quarter ended September 2025, marking a 13.3% increase year-over-year [1] - The earnings per share (EPS) for the quarter was $3.06, up from $2.47 in the same quarter last year, exceeding the consensus estimate of $2.63 by 16.35% [1] - The reported revenue surpassed the Zacks Consensus Estimate of $681.43 million, resulting in a revenue surprise of 2.41% [1] Financial Metrics - Efficiency Ratio stood at 54.7%, better than the four-analyst average estimate of 56.3% [4] - Net Interest Margin was reported at 3.5%, matching the average estimate from four analysts [4] - Total earning assets averaged $64.64 billion, exceeding the $63.5 billion estimate based on two analysts [4] - Tier 1 leverage ratio was 9.5%, slightly below the 9.6% average estimate from two analysts [4] - Net charge-offs to average loan ratio was 0.2%, aligning with the two-analyst average estimate [4] - Total Non-Interest Income reached $130.83 million, surpassing the $122.13 million average estimate from four analysts [4] - Net interest income (FTE) was reported at $569.84 million, exceeding the three-analyst average estimate of $563.57 million [4] - Net Interest Income was $567.01 million, above the $558.27 million estimate from three analysts [4] - Service charges on deposit accounts totaled $19.83 million, slightly below the $19.9 million average estimate from two analysts [4] - Wealth management income was $37.19 million, marginally above the $37.1 million average estimate from two analysts [4] - Mortgage banking income was $24.45 million, below the two-analyst average estimate of $26.41 million [4] - Operating lease income, net, was reported at $15.47 million, exceeding the two-analyst average estimate of $15.2 million [4] Stock Performance - Wintrust shares have returned -9.1% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]
SLB (NYSE:SLB) Surpasses Earnings Estimates Amidst Industry Competition
Financial Modeling Prep· 2025-10-17 17:00
Core Viewpoint - SLB reported strong earnings and revenue for Q3 2025, driven by robust demand for oilfield services in North America, despite a warning for investors to remain cautious [2][3][6] Financial Performance - Earnings per share for SLB in Q3 2025 were $0.69, exceeding the estimated $0.66 [2][6] - Revenue for the third quarter was approximately $8.93 billion, slightly above the estimated $8.92 billion, marking a 4% increase from the previous quarter but a 3% decrease year-on-year [3][6] - Income before taxes on a GAAP basis was $1 billion, reflecting a significant decline of 22% sequentially and 34% year-on-year [3] Valuation Metrics - SLB has a price-to-earnings (P/E) ratio of approximately 10.88, indicating market valuation of its earnings [4][6] - The price-to-sales ratio stands at about 1.39, while the enterprise value to sales ratio is around 1.68 [4] - The enterprise value to operating cash flow ratio is approximately 8.98, providing insights into valuation and cash flow efficiency [4] Financial Health - The earnings yield for SLB is about 9.19%, indicating return on investment [5] - The debt-to-equity ratio is approximately 0.67, suggesting a moderate level of debt relative to equity [5] - SLB has a current ratio of about 1.31, indicating its ability to cover short-term liabilities with short-term assets [5]
Compared to Estimates, Huntington Bancshares (HBAN) Q3 Earnings: A Look at Key Metrics
ZACKS· 2025-10-17 14:31
Core Insights - Huntington Bancshares reported a revenue of $2.15 billion for the quarter ended September 2025, marking a 14% increase year-over-year and exceeding the Zacks Consensus Estimate of $2.06 billion by 4.55% [1] - The company's earnings per share (EPS) was $0.40, up from $0.33 in the same quarter last year, also surpassing the consensus EPS estimate of $0.38 by 5.26% [1] Financial Performance Metrics - Efficiency Ratio stood at 57.4%, better than the five-analyst average estimate of 59.1% [4] - Net Interest Margin (FTE) was reported at 3.1%, matching the average estimate [4] - Net charge-offs as a percentage of average total loans and leases were 0.2%, lower than the five-analyst average estimate of 0.3% [4] - Average Balance of Total earning assets was $192.73 billion, slightly above the estimated $192.13 billion [4] - Tier 1 Leverage Ratio was 9%, exceeding the average estimate of 8.7% [4] - Regulatory Tier 1 risk-based capital ratio was 12.4%, compared to the average estimate of 12.2% [4] - Net interest income (FTE) reached $1.52 billion, surpassing the average estimate of $1.5 billion [4] - Total Non-Interest Income was $628 million, exceeding the estimated $555.07 million [4] - Capital markets and advisory fees amounted to $94 million, slightly above the average estimate of $93.27 million [4] - Customer deposit and loan fees were $102 million, higher than the average estimate of $96.55 million [4] - Payments and cash management revenue reached $174 million, exceeding the average estimate of $169.05 million [4] - Wealth and asset management revenue was $104 million, slightly above the average estimate of $103.78 million [4] Stock Performance - Shares of Huntington Bancshares have declined by 14% over the past month, while the Zacks S&P 500 composite increased by 0.7% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]
Comparing Amazon.com With Industry Competitors In Broadline Retail Industry - Amazon.com (NASDAQ:AMZN)
Benzinga· 2025-10-07 15:01
Core Insights - The article provides a comprehensive comparison of Amazon.com against its key competitors in the Broadline Retail industry, focusing on financial metrics, market position, and growth prospects to offer valuable insights for investors [1] Company Overview - Amazon is the leading online retailer, with retail-related revenue accounting for approximately 75% of total revenue, followed by Amazon Web Services (15%), advertising services (5% to 10%), and other segments [2] Financial Metrics Comparison - Amazon's Price to Earnings (P/E) ratio is 33.67, which is 0.79x lower than the industry average, indicating potential undervaluation [5] - The Price to Book (P/B) ratio of 7.06 is 1.1x higher than the industry average, suggesting the company might be overvalued based on its book value [5] - Amazon's Price to Sales (P/S) ratio of 3.55 is 1.56x the industry average, indicating potential overvaluation based on sales performance [5] - The Return on Equity (ROE) stands at 5.68%, which is 0.18% above the industry average, reflecting efficient use of equity to generate profits [5] - Amazon's Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is $36.6 billion, which is 5.91x above the industry average, indicating stronger profitability [5] - The gross profit of $86.89 billion is 5.23x above the industry average, demonstrating robust earnings from core operations [5] - Revenue growth of 13.33% surpasses the industry average of 10.76%, indicating strong sales expansion and market share gain [5] Debt-to-Equity Ratio Analysis - Amazon's debt-to-equity (D/E) ratio is 0.4, indicating a favorable balance between debt and equity compared to its top 4 peers, which is perceived positively by investors [10] - The low P/E ratio suggests Amazon.com may be undervalued compared to its peers, while the high P/B and P/S ratios indicate that the market values the company's assets and sales highly [8]
AZZ Inc. (NYSE:AZZ) Quarterly Earnings Preview
Financial Modeling Prep· 2025-10-01 09:00
Core Viewpoint - AZZ Inc. is preparing to release its quarterly earnings on October 8, 2025, with analysts forecasting an EPS of $1.56 and revenue of approximately $426.5 million [1][6] Financial Performance - The expected earnings per share (EPS) for the upcoming quarter is $1.56, with projected revenue around $426.5 million [1][6] - A conference call to discuss financial results is scheduled for October 9, 2025, at 11:00 a.m. ET, providing insights into the company's performance and future outlook [2] Valuation Metrics - AZZ has a price-to-earnings (P/E) ratio of 12.56, indicating how the market values its earnings [3][6] - The price-to-sales ratio stands at 2.06, reflecting investor sentiment towards its revenue generation capabilities [3][6] - The enterprise value to sales ratio is 2.44, and the enterprise value to operating cash flow ratio is 7.86, helping investors understand the company's valuation in relation to its sales and cash flow [4] Financial Stability - The company's debt-to-equity ratio is 0.49, suggesting a moderate level of debt compared to equity [5][6] - AZZ maintains a current ratio of 1.51, indicating its ability to meet short-term liabilities with its short-term assets [5][6] - The earnings yield is 7.96%, providing a perspective on the potential return on investment [4]
Understanding Microsoft's Position In Software Industry Compared To Competitors - Microsoft (NASDAQ:MSFT)
Benzinga· 2025-09-22 15:00
Core Insights - The article provides a comprehensive evaluation of Microsoft in comparison to its major competitors in the Software industry, focusing on financial metrics, market standing, and growth prospects [1] Company Overview - Microsoft develops and licenses both consumer and enterprise software, known for its Windows operating systems and Office productivity suite [2] - The company is organized into three segments: productivity and business processes, intelligence cloud, and more personal computing [2] Financial Metrics Comparison - Microsoft has a Price to Earnings (P/E) ratio of 37.97, which is 0.29x less than the industry average, indicating potential for growth at a reasonable price [6] - The Price to Book (P/B) ratio is 11.21, below the industry average by 0.79x, suggesting the stock may be undervalued based on book value [6] - The Price to Sales (P/S) ratio is 13.72, which is 0.83x the industry average, indicating potential undervaluation based on sales performance [6] - The Return on Equity (ROE) stands at 8.19%, which is 1.26% above the industry average, highlighting efficient use of equity [6] - Microsoft’s EBITDA is $44.43 billion, which is 56.96x above the industry average, demonstrating stronger profitability [6] - The gross profit of $52.43 billion is 34.72x above that of its industry, indicating higher earnings from core operations [6] - Revenue growth for Microsoft is 18.1%, significantly below the industry average of 66.99%, suggesting challenges in increasing sales volume [6] Debt to Equity Ratio - Microsoft has a debt-to-equity (D/E) ratio of 0.18, indicating a favorable balance between debt and equity compared to its top peers [11] - The D/E ratio is a key metric for evaluating financial health and risk profile within the industry [9] Summary of Key Takeaways - Microsoft exhibits low P/E, P/B, and P/S ratios compared to peers, indicating potential undervaluation [9] - High ROE, EBITDA, and gross profit suggest strong profitability and operational efficiency [9] - The low revenue growth rate may raise concerns for future performance relative to industry peers [9]
In-Depth Analysis: Meta Platforms Versus Competitors In Interactive Media & Services Industry - Meta Platforms (NASDAQ:META)
Benzinga· 2025-09-15 15:00
Core Insights - The article provides a comprehensive comparison of Meta Platforms against its competitors in the Interactive Media & Services industry, focusing on financial metrics, market position, and growth prospects to offer insights for investors [1]. Company Overview - Meta Platforms is the largest social media company globally, with nearly 4 billion monthly active users, and its core business includes Facebook, Instagram, Messenger, and WhatsApp [2]. - The company generates revenue primarily through advertising by leveraging customer data from its applications, while its Reality Labs business remains a minor contributor to overall sales [2]. Financial Metrics Comparison - Meta's Price to Earnings (P/E) ratio is 27.42, which is lower than the industry average by 0.43x, indicating potential value [6]. - The Price to Book (P/B) ratio of 9.73 exceeds the industry average by 2.14x, suggesting the market values the company's assets highly [6]. - Meta's Price to Sales (P/S) ratio of 10.96 is 0.14x the industry average, implying strong sales value generation [6]. - The Return on Equity (ROE) stands at 9.65%, which is 7.09% above the industry average, reflecting efficient equity utilization for profit generation [6]. - The Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is $25.12 billion, which is 7.12x above the industry average, indicating robust cash flow generation [6]. - Meta's gross profit of $39.02 billion is 6.94x above the industry average, showcasing strong profitability from core operations [6]. - The company's revenue growth rate of 21.61% surpasses the industry average of 11.32%, indicating strong sales performance [6]. Debt-to-Equity Ratio - Meta Platforms has a lower debt-to-equity (D/E) ratio of 0.25 compared to its top 4 peers, indicating a stronger financial position and less reliance on debt financing [11].
Nutex Health Inc. (NASDAQ: NUTX) Earnings and Legal Challenges Overview
Financial Modeling Prep· 2025-09-11 08:00
Core Viewpoint - Nutex Health Inc. is facing significant legal challenges while preparing to release its quarterly earnings, with mixed financial metrics indicating both potential and risk for investors [1][2][6]. Financial Performance - The company is expected to report an earnings per share (EPS) of -$5.43 and projected revenue of approximately $210.89 million for the upcoming quarter [1][6]. - Nutex has a price-to-earnings (P/E) ratio of approximately 6.84, suggesting a low market valuation of its earnings [4][6]. - The price-to-sales ratio stands at about 0.74, indicating a relatively low valuation compared to its sales [4][6]. - The enterprise value to sales ratio is 1.15, which is slightly higher than its total sales [4]. Legal Challenges - The company is currently involved in a class-action lawsuit for alleged securities law violations, with a deadline of October 21, 2025, for investors to file as lead plaintiffs [2][6]. - Allegations include fraudulent activities and misleading investors about the company's financial health, particularly through deceptive billing strategies linked to its vendor HaloMD [2][3]. Financial Health Indicators - Nutex's earnings yield is reported at 14.63%, indicating a potential return on investment for shareholders [5][6]. - The debt-to-equity ratio is 1.73, reflecting significant debt usage compared to equity [5]. - A current ratio of 2.27 suggests a strong ability to cover short-term liabilities with short-term assets, providing some reassurance to investors despite ongoing legal issues [5].
Chewy Inc. (NYSE: CHWY) Earnings Report Analysis
Financial Modeling Prep· 2025-09-10 17:00
Core Insights - Chewy Inc. reported an EPS of $0.14, which was below the expected $0.33, leading to a negative market reaction despite exceeding revenue expectations of $3.1 billion compared to the estimated $3.08 billion [1][2][6] Financial Performance - Chewy's net sales increased by 8.6% year-over-year for the second quarter of fiscal year 2025 [3] - The company's gross margin improved by 90 basis points to 30.4% [3] - Chewy reported a net income of $62 million, which included share-based compensation expenses and related taxes of $79.1 million [3] Valuation Metrics - Chewy has a P/E ratio of approximately 44.86, indicating investor willingness to pay for earnings [4][6] - The price-to-sales ratio is about 1.44, and the enterprise value to sales ratio is roughly 1.43 [4] Financial Health - The company has a debt-to-equity ratio of about 1.33, reflecting its financial leverage [5] - Chewy's current ratio is approximately 0.80, suggesting its ability to cover short-term liabilities with short-term assets [5]
DocuSign (DOCU) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
ZACKS· 2025-09-04 23:00
Core Insights - DocuSign reported revenue of $800.64 million for the quarter ended July 2025, reflecting an 8.8% increase year-over-year and a surprise of +2.78% over the Zacks Consensus Estimate of $778.96 million [1] - The company's EPS was $0.92, down from $0.97 in the same quarter last year, with a surprise of +9.52% compared to the consensus estimate of $0.84 [1] Financial Performance Metrics - Non-GAAP billings reached $818.03 million, exceeding the six-analyst average estimate of $762.04 million [4] - Total customers stood at 1.7 million, slightly below the average estimate of 1.76 million based on two analysts [4] - Revenue from professional services and other was $16.25 million, lower than the $17.2 million average estimate from seven analysts, representing a year-over-year decline of -12.9% [4] - Subscription revenue was $784.39 million, surpassing the seven-analyst average estimate of $761.78 million, with a year-over-year increase of +9.3% [4] - Non-GAAP subscription gross profit was $657.5 million, compared to the average estimate of $631.34 million from six analysts [4] - Non-GAAP professional services and other gross profit was reported at -$0.6 million, worse than the average estimate of -$0.06 million from six analysts [4] Stock Performance - Over the past month, DocuSign shares returned +1%, while the Zacks S&P 500 composite increased by +3.6% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]