Core Insights - The article discusses the importance of enabling Javascript and cookies in browsers to ensure proper functionality and access to content [1] Group 1 - The article highlights that users may face access issues if they have an ad-blocker enabled, suggesting the need to disable it for a better experience [1]

Core Insights - Jefferson Capital, Inc. (JCAP) reported revenue of $150.84 million for the quarter ended September 2025, showing no year-over-year change, with an EPS of $0.74 compared to $0 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $147.29 million by 2.41%, and the EPS surpassed the consensus estimate of $0.64 by 15.63% [1] Financial Performance Metrics - Total collections for the quarter were $236.8 million, slightly below the average estimate of $242.47 million from two analysts [4] - Servicing revenue was reported at $9.41 million, compared to the average estimate of $10.5 million from two analysts [4] - Total portfolio revenue reached $139.67 million, exceeding the estimated $135.09 million from two analysts [4] Stock Performance - Shares of Jefferson Capital, Inc. have returned +11.5% over the past month, outperforming the Zacks S&P 500 composite's +4.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Company Performance - Veeva Systems (VEEV) closed at $291.70, down 1.77% from the previous trading session, underperforming compared to the S&P 500's loss of 1.66% [1] - The stock has increased by 3.33% over the past month, which is lower than the Medical sector's gain of 6.4% and the S&P 500's gain of 4.64% [1] Upcoming Earnings - Veeva Systems is set to release its earnings report on November 20, 2025, with projected earnings of $1.95 per share, reflecting a year-over-year growth of 11.43% [2] - The consensus estimate for quarterly revenue is $791.88 million, indicating a 13.25% increase from the same period last year [2] Full Year Estimates - For the full year, earnings are projected at $7.78 per share and revenue at $3.14 billion, showing increases of 17.88% and 14.26% respectively from the previous year [3] Analyst Estimates and Stock Performance - Changes in analyst estimates for Veeva Systems are closely monitored, as positive revisions indicate optimism about the business outlook [3] - The Zacks Rank system, which incorporates estimate changes, currently ranks Veeva Systems at 2 (Buy) [5] Valuation Metrics - Veeva Systems has a Forward P/E ratio of 38.18, which is higher than the industry average of 34.81 [5] - The company has a PEG ratio of 1.63, compared to the Medical Info Systems industry's average PEG ratio of 3.09 [6] Industry Ranking - The Medical Info Systems industry, part of the Medical sector, holds a Zacks Industry Rank of 72, placing it in the top 30% of over 250 industries [6][7] - The Zacks Industry Rank measures the strength of industry groups based on the average Zacks Rank of individual stocks, with the top 50% rated industries outperforming the bottom half by a factor of 2 to 1 [7]

A month has gone by since the last earnings report for Goldman Sachs (GS) . Shares have added about 9.3% in that time frame, outperforming the S&P 500.But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is Goldman due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at its latest earnings report in order to get a better handle on the important drivers.Goldman Q3 Earnings Beat Es ...

Core Viewpoint - Johnson & Johnson's recent earnings report shows strong performance with earnings and sales exceeding estimates, but the company faces challenges from product exclusivity losses and competition in certain segments [2][3][22]. Financial Performance - Q3 2025 earnings were $2.80 per share, beating the Zacks Consensus Estimate of $2.77, and reflecting a 15.7% increase year-over-year [2]. - Reported earnings, including special items, were $2.12 per share, up 91% year-over-year [2]. - Sales reached $24.0 billion, surpassing the Zacks Consensus Estimate of $23.74 billion, with a 6.8% increase from the previous year [2][3]. Sales Breakdown - Domestic sales rose 6.2% to $13.7 billion, while international sales increased 7.6% to $10.3 billion [4]. - The Innovative Medicines segment saw sales rise 6.8% to $15.56 billion, driven by key products like Darzalex and Tremfya [5][6]. - The loss of exclusivity for Stelara negatively impacted revenue growth by 640 basis points [3]. Segment Performance - Oncology sales, particularly for Darzalex, grew 21.7% to $3.67 billion, while Imbruvica sales declined 7.8% to $695 million due to competitive pressures [8][9]. - Immunology segment sales were affected by Stelara's decline of 41.3% to $1.57 billion, attributed to biosimilar competition [13]. - The MedTech segment reported sales of $8.43 billion, up 6.8%, with strong performance in cardiovascular and surgical products [18][19]. Guidance and Outlook - The company raised its 2025 sales guidance to $93.5 billion-$93.9 billion, indicating growth of 5.4%-5.9% [22]. - Adjusted earnings per share guidance remains at $10.80-$10.90, with operational growth expected to increase by 8.2%-9.2% [24]. - For 2026, J&J anticipates top-line growth exceeding 5%, driven by key products and new launches in both Innovative Medicine and MedTech segments [26][27][28]. Market Position - Johnson & Johnson holds a Zacks Rank 3 (Hold), indicating an expectation of an in-line return from the stock in the coming months [31].

Core Insights - Honda reported earnings of 60 cents per share for Q2 of fiscal 2026, missing the Zacks Consensus Estimate of 62 cents, but up from 43 cents in the same quarter last year [1] - Quarterly revenues were $35.9 billion, below the Zacks Consensus Estimate of $37.1 billion and down from $36.2 billion year-over-year [1] Segment Performance - The Automobile segment's revenues decreased by 4.6% year-over-year to ¥3.46 trillion ($23.3 billion), with an operating loss of ¥43.4 billion ($292.4 million) compared to an operating income of ¥35.2 billion in the same quarter last year [2] - Motorcycle segment revenues increased by 11% year-over-year to ¥969 billion ($6.53 billion), with an operating profit of ¥179.3 billion ($1.21 billion), up 21% year-over-year [3] - Financial Services segment revenues totaled ¥846.2 billion ($5.7 billion), down 3.3% year-over-year, with an operating profit of ¥58.2 billion ($392 million), down 25% year-over-year [3] - Power Products and Other Businesses generated revenues of ¥100.3 billion ($675 million), up 2% year-over-year, with a narrowed operating loss of ¥78 million compared to ¥3.2 billion in the same period last year [4] Financial Overview and Outlook - As of September 30, 2025, consolidated cash and cash equivalents were ¥4.64 trillion ($31.2 billion), and long-term debt was approximately ¥8.13 trillion ($54.7 billion) [5] - For fiscal 2026, Honda projects consolidated sales volumes of 14.25 million units for Motorcycles, 2.64 million units for Automobiles, and 3.67 million units for Power Products, indicating a 4.1% growth in Motorcycles but declines of 7% and 0.8% in Automobiles and Power Products, respectively [6] - Honda forecasts fiscal 2026 revenues of ¥20.7 trillion, a decline of 4.6% year-over-year, with an operating profit of ¥550 billion, indicating a contraction of 54.7% year-over-year, and a pretax profit forecast of ¥590 billion, suggesting a drop of 55.2% year-over-year [7] Market Position - Honda currently holds a Zacks Rank of 3 (Hold) [8] - Competitors with better rankings include General Motors Company (Rank 1), OPENLANE, Inc. (Rank 1), and Garrett Motion Inc. (Rank 1) [8]

Core Insights - Petrobras (PBR) reported third-quarter earnings per ADS of 82 cents, surpassing the Zacks Consensus Estimate of 79 cents, driven by strong production growth, although down from 93 cents a year ago due to lower realized oil prices and increased lifting costs [1][9]. Financial Performance - Consolidated net income for the quarter was $5,235 million, a decrease from $5,474 million a year earlier, while adjusted EBITDA rose to $11,728 million from $11,480 million [2]. - Revenues reached $23,477 million, a slight increase of 0.5% from $23,366 million year-over-year, but fell short of the Zacks Consensus Estimate of $23,715 million [2]. Segment Analysis Upstream (Exploration & Production) - Average oil and gas production was 3,144 thousand barrels of oil equivalent per day (MBOE/d), an increase from 2,689 MBOE/d in the same period of 2024, with Brazilian production improving by 17.3% to 3,114 MBOE/d [4]. - The average sales price of oil fell nearly 14% year-over-year to $69.07 per barrel, but production increases positively impacted upstream unit sales, leading to revenues of $15,737 million, up from $15,383 million a year ago [5]. - The upstream segment's net income was $5,168 million, down 4.6% from $5,416 million in the third quarter of 2024, affected by a 13.3% rise in pre-salt lifting costs to $6.91 per barrel [6]. Downstream (Refining, Transportation, and Marketing) - Downstream revenues totaled $22,083 million, a 1.6% increase from $21,739 million year-over-year, attributed to higher domestic sales volumes [7]. - The downstream unit's profit rose to $583 million from $255 million in the third quarter of 2024, supported by increased revenues and lower operating costs [7]. Cost Structure - Sales, general, and administrative expenses were $1,861 million, up 16.2% year-over-year, while selling expenses increased from $1,193 million to $1,360 million [8]. - Total operating expenses decreased by 10.1% due to significant reductions in other expenses and exploration costs, alongside an impairment reversal [8]. Financial Position - Capital investments and expenditures for the quarter were $5,510 million, compared to $4,454 million in the prior-year quarter [11]. - Petrobras generated positive free cash flow for the 42nd consecutive quarter, amounting to $4,967 million, although down from $6,857 million in the same period last year [11]. - At the end of the quarter, net debt was $59,053 million, up from $44,251 million a year ago, with cash and cash equivalents of $8,964 million [12].

Core Insights - Analysts expect JBS to report total revenue of $21.9 billion for the three months ending in October, along with a net income of $564 million [1] Financial Performance - Total revenue projected at $21.9 billion for the quarter [1] - Expected net income of $564 million [1]

Earnings Results (Q3 2025) - Sales increased by KRW 39.2 billion (+11.1%) from KRW 354.5 billion in 3Q 2024 to KRW 393.7 billion in 3Q 2025 [5, 7] - Operating profit increased by KRW 5.5 billion (+13.1%) from KRW 42.0 billion in 3Q 2024 to KRW 47.5 billion in 3Q 2025 [5] - Net profit increased by KRW 8.8 billion (+26.0%) from KRW 33.9 billion in 3Q 2024 to KRW 42.7 billion in 3Q 2025 [5] Sales Review (Q3 2025) - Thermal sales increased by KRW 6.8 billion (+6.7%) year-over-year (YOY) due to an increase in planned outage [7] - Nuclear Hydro sales increased by KRW 18.6 billion (+11.7%) YOY due to an increase in planned outage [7] - Overseas sales increased by KRW 10.6 billion (+30.4%) YOY, driven by an increase in overseas thermal retrofit projects [7] - Domestic Non-KEPCO sales increased by KRW 1.9 billion (+6.0%) YOY, due to an increase in life extension construction [7] Operating Expenses Review (Q3 2025) - Material costs decreased by KRW 2.5 billion (-10.4%) YOY [8] - Labor costs increased by KRW 7.9 billion (+5.9%) YOY, primarily due to an increase in planned outage outsourcing costs [8] - Other costs increased by KRW 28.3 billion (+18.4%) YOY [8] Consolidated Income Statement (Q3 2025) - Accumulated sales increased by KRW 9.8 billion (+0.9%) YOY from KRW 1,125.9 billion to KRW 1,135.7 billion [10] - Accumulated net income decreased by KRW 32.2 billion (-23.5%) YOY from KRW 137.0 billion to KRW 104.8 billion [10] Consolidated Financial Position (Sep. 2025 vs Dec. 2024) - Current assets decreased by KRW 43.5 billion (-4.1%) due to a decrease in accounts receivable [12] - Non-current liabilities increased by KRW 46.7 billion (+326.6%) due to an increase in defined benefit obligation [12]

Financial Performance (Q3 2025) - Net revenues remained stable at RMB673 million (or $95 million) compared to Q3 2024[20] - Gross profit decreased to RMB264 million (or $37 million) from RMB300 million in Q3 2024[20] - Gross margin decreased to 392% from 446% in Q3 2024[20] - Total operating expenses decreased to RMB370 million (or $52 million) from RMB477 million in Q3 2024[20] - Net income attributable to ACG was RMB24 million (or $03 million), a significant improvement from a loss of RMB147 million in Q3 2024[20] Financial Performance (9M 2025) - Net revenues increased by 71% to RMB1790 million (or $251 million) compared to 9M 2024[16, 22] - Gross profit increased by 32% to RMB801 million (or $112 million) compared to 9M 2024[16, 23] - Gross margin decreased to 447% from 464% compared to 9M 2024[24] - Net loss attributable to ACG decreased to RMB(217) million (or $(31) million) from RMB(494) million compared to 9M 2024[24] Operational Highlights (Q3 2025) - Portfolio Training Services remained the main revenue contributor, accounting for 719% of total net revenues[19] - Project-based programs credit hours increased 229% year-over-year, accounting for 811% of total credit hours delivered[19] FY 2025 Guidance - The company is on track to achieve FY 2025 revenue guidance of approximately RMB276 million – RMB281 million, representing approximately +3% to +5% growth vs FY 2024[35]