Sallie Mae (SLM) came out with quarterly earnings of $0.63 per share, missing the Zacks Consensus Estimate of $0.84 per share. This compares to a loss of $0.23 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -25.00%. A quarter ago, it was expected that this student loan company would post earnings of $0.49 per share when it actually produced earnings of $0.32, delivering a surprise of -34.69%.Over the last four quarters, the c ...

Core Insights - Enova International (ENVA) reported quarterly earnings of $3.36 per share, exceeding the Zacks Consensus Estimate of $3.05 per share, and showing an increase from $2.45 per share a year ago, resulting in an earnings surprise of +10.16% [1] - The company posted revenues of $802.68 million for the quarter ended September 2025, which was slightly below the Zacks Consensus Estimate by 0.83%, but an increase from $689.92 million year-over-year [2] - Enova International's stock has increased approximately 18.9% since the beginning of the year, outperforming the S&P 500's gain of 13.9% [3] Earnings Outlook - The future performance of Enova International's stock will largely depend on management's commentary during the earnings call and the revisions of earnings estimates [3][4] - The current consensus EPS estimate for the upcoming quarter is $2.98, with expected revenues of $854.73 million, and for the current fiscal year, the EPS estimate is $12.16 on revenues of $3.17 billion [7] Industry Context - The Financial - Consumer Loans industry, to which Enova International belongs, is currently ranked in the top 40% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - The performance of Enova International's stock may also be influenced by the overall industry outlook, as empirical research shows a strong correlation between stock movements and earnings estimate revisions [5][8]

World Acceptance (WRLD) came out with a quarterly loss of $0.38 per share versus the Zacks Consensus Estimate of $1.87. This compares to earnings of $3.99 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -120.32%. A quarter ago, it was expected that this subprime consumer lender would post earnings of $2.44 per share when it actually produced earnings of $0.25, delivering a surprise of -89.75%.Over the last four quarters, the c ...

Capital One (COF) came out with quarterly earnings of $5.95 per share, beating the Zacks Consensus Estimate of $4.2 per share. This compares to earnings of $4.51 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +41.67%. A quarter ago, it was expected that this credit card issuer and bank would post earnings of $3.83 per share when it actually produced earnings of $5.48, delivering a surprise of +43.08%.Over the last four quarte ...

Core Insights - Ally Financial reported quarterly earnings of $1.15 per share, exceeding the Zacks Consensus Estimate of $0.99 per share, and showing an increase from $0.95 per share a year ago, resulting in an earnings surprise of +16.16% [1] - The company achieved revenues of $2.17 billion for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.57% and up from $2.1 billion year-over-year [2] Earnings Performance - Over the last four quarters, Ally Financial has consistently surpassed consensus EPS estimates, achieving this four times [2] - The company had a previous quarter earnings surprise of +26.92%, with actual earnings of $0.99 compared to an expected $0.78 [1] Stock Performance - Ally Financial shares have increased approximately 6.8% since the beginning of the year, while the S&P 500 has gained 12.7% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $1.04 on revenues of $2.13 billion, and for the current fiscal year, it is $3.59 on revenues of $7.85 billion [7] - The outlook for the Financial - Consumer Loans industry, where Ally Financial operates, is currently in the bottom 41% of Zacks industries, which may impact stock performance [8]

Group 1: Momentum Investing Overview - Momentum investing involves following a stock's recent trend, with the aim of buying high and selling even higher [1] - The Zacks Momentum Style Score helps define momentum characteristics, with Ezcorp (EZPW) currently holding a Momentum Style Score of B [2] - Style Scores complement the Zacks Rank, which has a strong track record of outperformance, with EZPW rated as 2 (Buy) [3] Group 2: Performance Metrics - EZPW shares have increased by 5.17% over the past week, outperforming the Zacks Financial - Consumer Loans industry, which rose by 3.46% [5] - Over the past quarter, EZPW shares have gained 18.96%, and over the last year, they have increased by 35.02%, compared to the S&P 500's gains of 11.03% and 17.4%, respectively [6] - The average 20-day trading volume for EZPW is 810,302 shares, indicating a bullish sign when combined with rising stock prices [7] Group 3: Earnings Outlook - Recent earnings estimate revisions show one upward revision for the full year, increasing the consensus estimate from $1.28 to $1.31 [9] - For the next fiscal year, one estimate has moved upwards with no downward revisions in the same period [9] - These factors contribute to EZPW's 2 (Buy) rating and a Momentum Score of B, suggesting it is a promising pick for near-term investment [11]

Core Viewpoint - Open Lending (LPRO) reported quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.02 per share, representing a 50% earnings surprise [1] - The company posted revenues of $25.31 million for the quarter ended June 2025, exceeding the Zacks Consensus Estimate by 8.32%, but down from $26.73 million a year ago [2] Financial Performance - Open Lending has not surpassed consensus EPS estimates over the last four quarters [2] - The company has topped consensus revenue estimates only once in the past four quarters [2] - The current consensus EPS estimate for the upcoming quarter is $0.02 on revenues of $23.75 million, and $0.07 on revenues of $95.9 million for the current fiscal year [7] Stock Performance - Open Lending shares have declined approximately 64.5% since the beginning of the year, contrasting with the S&P 500's gain of 7.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Outlook - The Financial - Consumer Loans industry is currently in the bottom 40% of over 250 Zacks industries, which may negatively impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, suggesting that industry outlook can materially affect stock performance [5][8]

Core Viewpoint - Credit Acceptance (CACC) reported quarterly earnings of $8.56 per share, missing the Zacks Consensus Estimate of $9.84 per share, but showing an improvement from a loss of $3.83 per share a year ago [1] Financial Performance - The company posted revenues of $583.8 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 0.21%, compared to year-ago revenues of $538.2 million [2] - Over the last four quarters, the company has surpassed consensus EPS estimates just once [2] - The current consensus EPS estimate for the coming quarter is $10.30 on revenues of $588.45 million, and for the current fiscal year, it is $39.34 on revenues of $2.34 billion [7] Stock Performance and Outlook - Credit Acceptance shares have added about 7.5% since the beginning of the year, compared to the S&P 500's gain of 8.2% [3] - The company's earnings outlook and estimate revisions trend are crucial for understanding future stock movements, with the current Zacks Rank being 4 (Sell), indicating expected underperformance in the near future [6] Industry Context - The Financial - Consumer Loans industry, to which Credit Acceptance belongs, is currently in the bottom 28% of over 250 Zacks industries, suggesting potential challenges ahead [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact investor decisions [5]

Group 1: Earnings Performance - Ezcorp reported quarterly earnings of $0.33 per share, exceeding the Zacks Consensus Estimate of $0.23 per share, and up from $0.23 per share a year ago, representing an earnings surprise of +43.48% [1] - The company posted revenues of $310.98 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.00%, compared to year-ago revenues of $281.42 million [2] - Over the last four quarters, Ezcorp has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] Group 2: Stock Performance and Outlook - Ezcorp shares have increased approximately 7.5% since the beginning of the year, while the S&P 500 has gained 8.3% [3] - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The current consensus EPS estimate for the coming quarter is $0.29 on revenues of $318.84 million, and for the current fiscal year, it is $1.28 on revenues of $1.25 billion [7] Group 3: Industry Context - The Financial - Consumer Loans industry, to which Ezcorp belongs, is currently ranked in the bottom 24% of over 250 Zacks industries, indicating potential challenges for stock performance [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Ezcorp's stock performance [5] - The unfavorable estimate revisions trend prior to the earnings release resulted in a Zacks Rank 4 (Sell) for Ezcorp, suggesting expected underperformance in the near future [6]

Core Viewpoint - Regional Management reported quarterly earnings of $1.03 per share, exceeding the Zacks Consensus Estimate of $0.72 per share, marking a year-over-year increase from $0.86 per share [1][2] Financial Performance - The company achieved revenues of $157.44 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.18% and showing an increase from $143.02 million year-over-year [2] - Over the last four quarters, Regional Management has consistently surpassed consensus EPS estimates [2] Stock Performance - Regional Management shares have declined approximately 8.2% since the beginning of the year, contrasting with the S&P 500's gain of 8.3% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.41 on revenues of $159.04 million, and for the current fiscal year, it is $4.27 on revenues of $632.98 million [7] - The trend of earnings estimate revisions prior to the earnings release was mixed, which may influence future stock performance [6] Industry Context - The Financial - Consumer Loans industry, to which Regional Management belongs, is currently ranked in the bottom 24% of over 250 Zacks industries, suggesting potential challenges ahead [8]