Core Viewpoint - Credit Acceptance (CACC) reported quarterly earnings of $11.35 per share, exceeding the Zacks Consensus Estimate of $10.3 per share, but down from $12.26 per share a year ago, indicating a +10.19% earnings surprise [1] Financial Performance - The company posted revenues of $579.9 million for the quarter ended December 2025, slightly missing the Zacks Consensus Estimate by 0.02%, compared to $565.9 million in the same quarter last year [2] - Over the last four quarters, Credit Acceptance has surpassed consensus EPS estimates two times and topped consensus revenue estimates just once [2] Stock Performance - Credit Acceptance shares have declined approximately 2.3% since the beginning of the year, while the S&P 500 has gained 1.9% [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 $11.26 on revenues of $599.13 million, and for the current fiscal year, it is $44.62 on revenues of $2.4 billion [7] - The estimate revisions trend for Credit Acceptance was mixed ahead of the earnings release, which may change following the recent report [6] Industry Context - The Financial - Consumer Loans industry, to which Credit Acceptance belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, suggesting potential challenges ahead [8]

BOSTON--(BUSINESS WIRE)--Santander Holdings USA, Inc. ("Santander US†) today announced findings from the latest Santander US Paths to Financial Prosperity study showing middle-income Americans' continued resilience and optimism, even as inflation concerns persist. Results from the Q4 2025 survey show that consumers' confidence in achieving financial prosperity remains at a three-year high, with 79% believing they are on the right track. This is further supported by households indicating that they feel sec ...

Michael George Rhodes, CEO of Ally Financial Inc. (NYSE:ALLY), purchased 23,800 shares, boosting investor confidence.Ally Financial announced a fourth-quarter earnings beat with an adjusted EPS of $1.09 and a $2 billion share buyback program.The company's financial health is highlighted by a net interest margin of 3.51% and favorable financial ratios, including a P/E ratio of approximately 15.Ally Financial Inc. (NYSE:ALLY) is a key player in the financial services sector, offering a diverse range of produc ...

Core Insights - The company reported strong profitability metrics, including an adjusted return on assets of 1.41%, the highest since 2022, and an adjusted return on equity of 14.5% [1][2][7] - The bank returned $1.6 billion of capital to shareholders in 2025 and achieved a 21% year-over-year growth in tangible book value per share [1][7] - The merger with Comerica is set to close on February 1, 2026, with management targeting significant synergies and a robust financial outlook for 2026 [3][5][17] Financial Performance - Adjusted pre-provision and pre-tax earnings exceeded $1 billion, reflecting a 6% increase from the previous year [1] - Earnings per share were reported at $1.04, or $1.08 excluding certain items, with adjusted efficiency ratio at 54.3% [2][7] - Fourth-quarter net interest income reached $1.5 billion, up 6% year over year, with a net interest margin of 3.13%, an increase of 16 basis points [6][9] Growth and Expansion - The company highlighted branch expansion in the Southeast and continued investment in digital capabilities, alongside growth in commercial payments and wealth management [3][4] - Average loans grew by 5% year over year, with notable increases in middle market loans and consumer lending [9][12] - Wealth management fees increased by 13% year over year, driven by $11 billion in assets under management growth [19] Merger and Integration - The Comerica merger has received all necessary regulatory and shareholder approvals, with a focus on achieving $850 million in expense synergies and $500 million in revenue synergies over five years [5][17] - Systems conversion is anticipated around Labor Day 2026, with management indicating potential for exceeding initial synergy targets [18] Credit and Deposits - Net charge-offs were reported at 40 basis points, the lowest in seven quarters, with non-performing assets declining for three consecutive quarters [16] - Average core deposits rose by 1% year over year, driven by a 4% increase in demand deposit accounts [13] - Interest-bearing deposit costs decreased to 2.28%, down 40 basis points year over year, reflecting effective funding cost management [13] 2026 Outlook - The company expects net interest income for 2026 to be between $8.6 billion and $8.8 billion, with a projected increase in net interest margin of about 15 basis points [23] - Capital ratios are expected to remain strong, with CET1 at 10.8% at the end of 2025, and regular share repurchases anticipated to resume in the second half of 2026 [20]

Core Insights - KeyCorp reported strong financial performance in Q4 2025, with earnings of $0.43 per share and revenue exceeding $2 billion, reflecting a 12% year-over-year growth on an adjusted basis [3][7] - The company emphasized improved profitability, credit trends, and a capital return plan, with plans for significant share buybacks in 2026 [4][5] Financial Performance - Non-interest income increased by 8% year-over-year, with investment banking and debt placement fees rising to $243 million, a 10% increase [1] - Tax-equivalent net interest income rose 15% year-over-year, with a net interest margin (NIM) of 2.82%, exceeding the target range [2] - Total revenue for the year increased by 16%, with net interest income growing 23% and fees up 7.5% [8] Capital Management - KeyCorp repurchased $200 million in Q4 and plans to repurchase at least $1.2 billion in 2026, managing CET1 toward the high end of its 9.5%–10% target [5][13] - The CET1 ratio was reported at 11.7% on a reported basis, with plans for continued capital generation to support buybacks [14] Credit Quality - Provision for credit losses was $108 million in Q4, with a net charge-off ratio of 39 basis points, indicating improving asset quality [6][9] - Non-performing assets decreased by 6% sequentially, and criticized loans fell by $500 million [9] Strategic Focus - The company is focusing on middle market and payments, investment banking, and wealth management, with increased investments in technology and AI [14] - KeyCorp is not pursuing bank acquisitions but is interested in complementary fee-based acquisitions [16] Board Changes - KeyCorp announced significant board changes, including new nominations and retirements, indicating a shift in governance [17]

CHARLOTTE, N.C., Dec. 17, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) has scheduled the release of its fourth quarter and full year 2025 financial results for Wednesday, January 21, 2026, at approximately 7:30 a.m. ET. The results will be available on the Ally Press Room website (http://media.ally.com). Ally will host a conference call at 9 a.m. ET to review the company's performance. You may listen to the call via webcast or dial-in. The webcast will be live on Ally's Investor Relations website ...

Core Insights - Credit Acceptance (CACC) reported quarterly earnings of $10.28 per share, exceeding the Zacks Consensus Estimate of $9.61 per share, and showing a significant increase from $6.35 per share a year ago, representing an earnings surprise of +6.97% [1] - The company posted revenues of $582.4 million for the quarter ended September 2025, which was slightly below the Zacks Consensus Estimate by 0.59%, but an increase from $550.3 million year-over-year [2] - The stock has underperformed the market, losing about 2.2% since the beginning of the year compared to the S&P 500's gain of 17.2% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $10.00 on revenues of $594.11 million, while for the current fiscal year, the estimate is $38.89 on revenues of $2.33 billion [7] - The estimate revisions trend for Credit Acceptance was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Financial - Consumer Loans industry, to which Credit Acceptance belongs, is currently in the top 35% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Core Viewpoint - America's Car-Mart, Inc. has successfully closed a new five-year, $300 million term loan facility, enhancing its capital structure and supporting long-term growth opportunities [1][2][4]. Group 1: Loan Details - The new term loan matures on October 30, 2030, and carries an interest rate of SOFR plus 7.50% per annum [3]. - The loan is secured and subject to customary financial and operational covenants, with warrants issued to Silver Point Capital allowing the purchase of up to 10% of the Company's fully diluted outstanding shares at the current market price [3]. Group 2: Strategic Implications - The repayment of the asset-backed line of credit (ABL) simplifies the balance sheet and creates a more flexible capital structure [2]. - The new capital will provide the Company with the flexibility and agility needed for its operations and originations, aligning with its multi-year efforts to improve its platform and adapt to market dynamics [4][5]. Group 3: Company Background - America's Car-Mart operates automotive dealerships in 12 states, focusing on the "Integrated Auto Sales and Finance" segment of the used car market, emphasizing superior customer service [7]. - The Company is one of the largest publicly held automotive retailers in the U.S., primarily serving smaller cities in the South-Central region [7]. Group 4: Partnership and Advisory - Silver Point Capital, a leading global credit investing firm, provided the financing solution, reflecting confidence in America's Car-Mart's market position and enterprise durability [6][8]. - Jefferies Finance LLC acted as the financial advisor, while Mayer Brown served as legal counsel for the transaction [6].

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]

Core Insights - Ally Financial Inc. reported its second quarter 2025 results, indicating ongoing performance evaluation and financial health [1] Group 1: Financial Performance - The company will host a conference call to review its performance, which will include a results overview and a Q&A session [1] - The conference call is accessible via webcast on Ally's Investor Relations website [2] Group 2: Company Overview - Ally Financial is recognized as the nation's largest all-digital bank and has a leading position in the auto financing sector [4] - The company offers a range of financial services, including deposits, securities brokerage, investment advisory, auto financing, and insurance [4] - Ally also has a corporate finance division that provides capital for equity sponsors and middle-market companies [4]