Underscoring the benefits of focusing our resources on areas with greater long-term potential. Our core color category was a standout performer at Sally, with year-over-year growth of 8%. For Sally US and Canada, color was also up 8%, and we saw a meaningful increase in color customer count, which increased 3% fueled by our performance marketing and personalization initiatives, as well as ongoing momentum in our licensed Colors on Demand platform. Additionally, our entry into the fast-growing fragrance cate ...

Group 1 - Bank ABC has successfully migrated its digital-only subsidiary, ila Bank, to the Temenos core banking platform hosted on Amazon Web Services (AWS), marking the first stage of a larger transformation program [1][2] - The migration includes Temenos Payments and Data Hub, with Systems Limited acting as the system integrator and Temenos Delivery Partner [1][4] - The transition aims to enhance operational flexibility and integration capabilities for future developments in ila Bank's retail account and lending functions [2][4] Group 2 - Bank ABC's COO, Ismail Mokhtar, stated that the go-live of ila Bank on the cloud-native core banking system is a significant milestone in the bank's strategic transformation [3][4] - The achievement is expected to accelerate digital innovation and improve responsiveness to customer needs, providing a robust foundation for Bank ABC's broader transformation across 15 countries [4][5] - The architecture of the new system is designed to facilitate integration with new capabilities and open banking services, supporting the growth of digital banking in the region [5]

Core Viewpoint - Lee Enterprises has successfully closed a $50 million strategic equity private placement, enhancing its financial and governance foundation as it enters a new phase of growth [1][3]. Financial Impact - The company received $50 million in gross proceeds from the private placement, which will improve its capital structure and cash flow outlook [1][2]. - Concurrently, an amendment to the existing credit facility reduced the annual interest rate on approximately $455.5 million of long-term debt from 9% to 5% for a five-year period, significantly benefiting the company's financial position [2]. Leadership Changes - David Hoffmann has joined the company's board of directors as chairman, indicating a strengthening of governance and investor confidence [2][3]. Company Overview - Lee Enterprises is a major subscription and advertising platform, providing local news and information through daily newspapers and digital products across 72 markets in 25 states [6].

Financial Data and Key Metrics Changes - Banco Santander-Chile reported a net income of CLP 1,053 billion for Q4 2025, representing a 23% year-over-year increase, with a return on average equity (ROE) of 23.5% and an efficiency ratio of 36% [16][19] - Net interest income, including readjustment income, increased by 11% year-over-year, while net interest margins (NIMs) remained stable at 4% [16][17] - The capital CET1 ratio stood at 11%, well above the minimum requirement of 9.08% [20] Business Line Data and Key Metrics Changes - Fee income grew by 9%, and financial transactions rose by 8%, with mutual funds increasing by 7% [16][18] - The recurrence ratio reached 63.7%, indicating that over 60% of expenses are covered by fee generation [19] - Current accounts increased by 9% year-on-year, supporting a 5% growth in active clients and a 7% growth in total clients [18] Market Data and Key Metrics Changes - Chile's economy is projected to grow by 2.3% in 2025, driven by a recovery in domestic demand, particularly in investment [8][10] - Inflation closed the year at 3.5%, with expectations for it to remain marginally below the 3% target in 2026 [9][10] - The unemployment rate closed the year at 8%, with expectations for gradual improvement in labor market conditions [9][10] Company Strategy and Development Direction - The company aims to attract over 5 million clients by 2026 while enhancing engagement through a digital banking model [12] - A focus on operational excellence and efficiency is emphasized, with a target efficiency ratio in the mid-30s [12][13] - The strategy includes broadening transactional and non-credit fee-generating services to support double-digit fee growth [12][15] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic environment, expecting gradual improvements in investment and credit demand [10][11] - The new administration's focus on large-scale investment projects and potential corporate tax reductions could stimulate economic activity [5][6] - The company anticipates a more favorable business environment in 2026, supporting mid-single-digit loan growth [22][23] Other Important Information - The company received several recognitions, including being named the best bank in Chile by Euromoney and Latin Finance [16] - The MSCI ESG rating improved from A to AA, reflecting a strengthened sustainability profile [17] Q&A Session Summary Question: Economic and political outlook regarding tax rate reduction and loan growth expectations - Management indicated that tax reduction discussions may take time, with effects expected more in 2027 than in the short term [28][29] - Loan growth is expected to be mid-single digits, with steady growth in auto lending and gradual improvements in the mortgage segment [30][32] Question: Guidance on cost of risk and expense growth - Cost of risk is expected to improve slightly to around 1.3%, with a focus on controlling expense growth to inflation plus 1% [41][42] Question: Getnet stake sale implications - The sale of Getnet is expected to strengthen its market position and provide a stable revenue stream for Banco Santander-Chile, with minimal impact on P&L [34][46] Question: Sensitivity to inflation and risk-weighted assets - The company expects a 2% growth in risk-weighted assets, with a sensitivity to inflation of around CLP 8.5 billion [66][70]

After seeing a spike in phone customers canceling their service, T-Mobile is being pushed to make difficult internal decisions amid mounting pressure within the company. After raising rates for some of its older phone plans in 2024, T-Mobile rolled out another price increase for those plans in April last year, which frustrated many customers. It also raised its Regulatory Programs & Telco Recovery fee, which customers pay for in their monthly bills. The phone carrier later removed taxes and fees from it ...

Key Takeaways Ecolab is set to report Q4 results, with consensus EPS of $2.06 on expected total revenues of $4.19 billion.ECL's Global Water segment is driven by Food & Beverage gains, Light & Heavy growth and 3D TRASAR adoption.ECL's Digital platform topped $380 million in annualized sales, driven by subscription and hardware growth.Ecolab, Inc. (ECL) is scheduled to report fourth-quarter 2025 results on Feb. 10, before the opening bell.In the last reported quarter, the company’s adjusted earnings per shar ...

Core Insights - GE HealthCare (GEHC) reported Q4 2025 adjusted EPS of $1.44, exceeding the Zacks Consensus Estimate of $1.43 by 0.7%, but down 0.7% year over year. GAAP EPS was $1.29, a decline of 17.8% from the previous year [1] - For the full year, adjusted EPS increased by 2.2% to $4.59, while GAAP EPS rose 4.8% to $4.55 [1] Revenue Details - Revenues reached $5.7 billion, reflecting a 7.1% year-over-year increase on a reported basis and 4.8% organically, surpassing the Zacks Consensus Estimate by 1.9%. Total company orders grew 2% year over year organically, with a book-to-bill ratio of 1.06X [2][7] - Full-year revenues increased by 4.8% to $20.6 billion, with organic sales growth of 3.5% [3] Segmental Performance - Imaging segment revenues were $2.55 billion, up 6.6% year over year, while segment EBIT decreased by 12.5% to $264 million [4] - Advanced Visualization Solutions generated $1.53 billion in revenues, a 5.9% increase year over year, with EBIT rising 0.7% to $376 million [4] - Patient Care Solutions revenues fell to $825 million, down 0.3% year over year, with EBIT declining 29.6% to $74 million [5] - Pharmaceutical Diagnostics saw revenues of $790 million, up 22.3% year over year, with EBIT increasing by 10% to $234 million [5] Margins and Financial Position - The net income margin was 10.3%, down 320 basis points from the prior year due to tariffs and product mix, although volume and pricing benefits partially offset this decline [6][7] - At the end of Q4, GEHC had cash, cash equivalents, and investments totaling $4.51 billion, an increase from $4.03 billion in the previous quarter. Total assets rose to $36.91 billion from $36.13 billion sequentially [9] 2026 Guidance - GE HealthCare anticipates organic revenue growth of 3-4% for 2026 and adjusted EPS in the range of $4.95-$5.15, indicating a year-over-year growth of 7.9-12.3%. The Zacks Consensus Estimate for 2026 revenues and EPS is $21.38 billion and $4.94, respectively [10] Strategic Initiatives - The company is focused on inorganic growth through acquisitions, having acquired Nihon Medi-Physics and icometrix in 2025, and is set to acquire Intelerad in the first half of 2026 to enhance its cloud-enabled enterprise imaging capabilities [14] - Continued investment in R&D and new product introductions, including advanced imaging systems and AI-enabled diagnostics, underscores GE HealthCare's commitment to precision care and digital transformation [15]

Financial Data and Key Metrics Changes - Lear Corporation reported a 5% increase in revenue for Q4 2025, totaling $23.3 billion for the full year [4] - Core operating earnings reached $1.1 billion, representing 4.6% of net sales for the full year [4] - Adjusted earnings per share increased by 1% to $12.80, marking the fifth consecutive year of year-over-year growth [4] - Free cash flow was reported at $527 million for 2025 [4] Business Line Data and Key Metrics Changes - In the Seating segment, sales for 2025 were $17.3 billion, a slight increase of 0.4% from 2024, with adjusted operating margins at 6.4% [34][35] - E-Systems segment sales decreased by 2% to $6 billion, with adjusted earnings at $293 million, or 4.9% of sales [36][37] - Both segments exceeded expectations in operational performance, contributing 60 basis points to Seating and 110 basis points to E-Systems margins [8][28] Market Data and Key Metrics Changes - Global vehicle production increased by 1% year-over-year, with production volumes flat in North America and down 2% in Europe, while China saw a 3% increase [30] - Lear expects more than 50% of its revenue in China to come from domestic automakers in the next year [22] Company Strategy and Development Direction - Lear's strategic priorities include extending leadership in Seating, expanding margins in E-Systems, and supporting sustainable value creation through disciplined capital allocation [5] - The company secured over $1.4 billion in E-Systems business awards, marking the strongest performance in over a decade [8] - Lear is focused on automation and digital transformation, with significant investments in operational excellence and quality leadership [9][16] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving growth targets, with a robust pipeline of conquest opportunities in both Seating and E-Systems [21][22] - The company anticipates continued strong cash flow generation and plans to return excess cash to shareholders through share repurchases and dividends [44][45] - Management highlighted the importance of innovation and technology in securing new business awards, particularly in the context of competitive advantages [55][59] Other Important Information - Lear repurchased $325 million in shares during 2025, exceeding the initial target of $250 million [11] - The company achieved a record net performance savings of $195 million, significantly above the original target of $125 million [20] Q&A Session Summary Question: Can you discuss the conquest win and its impact on Seating share? - Management noted that the conquest win was significant, being the largest in Lear's history, driven by innovation and technology [52][53] - The company remains committed to achieving a 29% market share in Seating, supported by strong relationships and technological advancements [58][60] Question: What is the outlook for net performance in 2026? - Management indicated that they expect similar levels of net performance in 2026 as in 2025, with continued savings from digital and automation initiatives [62][64] Question: How should investors think about earnings cadence throughout the year? - Management expects a solid start to the year, with revenues in the $6 billion range and operating income around $260 million for Q1 [69][70] Question: What is the potential for onshoring wins? - The Orion award is expected to benefit 2027, with limited additional onshoring activity anticipated until 2028 and 2029 [74][75] Question: Can you confirm the revenue potential of the large conquest win? - Management confirmed that the large conquest win is outside the backlog window and is expected to launch at the end of 2028, benefiting 2029 [80]

This week, Q2 Holdings (NYSE:QTWO), a provider of digital transformation solutions for financial services, announced the release of the 2026 Retail Banking Trends and Priorities report, offering new data on how banks and credit unions are repositioning for growth and where competitive advantage remains up for grabs. The report, authored by Jim Marous and published by Digital Banking Report, draws on a survey of financial institutions and finds that industry focus has shifted away from external disruption an ...

Core Viewpoint - The Caisse régionale de la Touraine et du Poitou has celebrated its 30th anniversary, demonstrating a strong commitment to local economic support and client service in 2025, with significant growth in credit activity and overall financial performance [1]. Group 1: Credit Activity - The credit activity saw a significant positive shift in 2025, with new credits amounting to €1.6 billion, reflecting a growth of +13.5% compared to 2024 [2]. - Notably, real estate financing experienced a remarkable increase, reaching nearly €825 million (+26%), with a total outstanding amount of €7.8 billion, benefiting first-time buyers through dedicated financing offers [2]. - The support for professionals, including farmers, businesses, and public entities, was robust, with realizations of €635 million (+2.3%) and a total outstanding amount of nearly €4 billion [3]. Group 2: Financial Performance - The Net Banking Income reached €303.9 million, an increase of 7%, driven by growth across all revenue sources, particularly the intermediation margin which rose by +12.6% due to a favorable interest rate environment [6]. - General operating expenses increased moderately to €202.2 million (+2.3%), reflecting the investment policy aimed at future preparedness [6]. - The net social result was €70.9 million, up by 5.7%, while the consolidated result was €82.2 million, marking a 2.1% increase from the previous year [8]. Group 3: Client Engagement and Growth - Approximately 22,700 new clients joined the Caisse régionale in 2025, with a focus on enhancing client relationships both physically and digitally [5]. - The satisfaction index improved for the second consecutive year, indicating a positive trend in client engagement [5]. - The bank plans to launch a new strategic trajectory in 2026, emphasizing a sustainable, digital, and human-centric banking approach [9]. Group 4: Community Support and Future Plans - In 2025, the Caisse régionale supported social cohesion initiatives with €1.7 million directed towards the associative fabric and donated nearly 700 laptops as part of its digital equipment renewal [9]. - The bank aims to strengthen its community impact through the establishment of a corporate foundation in 2026 [9]. - The organization maintains a strong territorial presence with over 1,500 employees and 730 administrators dedicated to serving clients and the local community [10].