Consensus Cloud Solutions Inc. (NASDAQ:CCSI) is one of the best stocks for beginners with little money in 2026. On February 9, Consensus Cloud Solutions reported earnings for Q4 and full year 2025. The company made $87.07 million in revenue for Q4, which was a modest improvement of 0.10% year-over-year and a modest Street beat of $448,160. However, adjusted EPS grew by 13.7% to $1.41. The company’s corporate revenue grew 7.3% year-over-year in Q4, the highest rate since 2022. This segment now accounts fo ...

Reduces Dilution Exposure and Improves Visibility for ShareholdersLOUISVILLE, Ky., Feb. 18, 2026 (GLOBE NEWSWIRE) -- Creative Realities, Inc. (“Creative Realities,” “CRI,” or the “Company”) (NASDAQ: CREX), a leading provider of digital signage, media and AdTech solutions, today announced that it repurchased the warrant (the “Warrant”) to purchase 1,731,499 shares of the Company’s common stock held by Slipstream Communications, LLC (“Slipstream”) for an aggregate repurchase price of $200,000. The Company ini ...

Core Insights - Cadence Design Systems, Inc. (CDNS) is set to release its fourth-quarter results for 2025 on February 17, with earnings per share (EPS) expected at $1.90 and revenues at $1.42 billion, reflecting a 1.1% increase in EPS and nearly 5% growth in revenues year-over-year [1][2] Financial Performance - The management anticipates fourth-quarter revenues to be between $1.405 billion and $1.435 billion, compared to $1.356 billion in the same quarter last year [2] - For the full year 2025, revenues are projected to be in the range of $5.262 billion to $5.292 billion, with non-GAAP EPS expected between $7.02 and $7.08 [3] - The company has a strong earnings surprise history, beating the Zacks Consensus Estimate in each of the last four quarters with an average surprise of 5.4% [3] Stock Performance - CDNS stock has increased by 1.5% over the past year, contrasting with a 10.4% decline in the Computer-Software industry, while the S&P 500 composite and the Zacks Computer and Technology sector have risen by 18.2% and 14.1%, respectively [6] Market Factors - Ongoing global macroeconomic uncertainties, particularly U.S.-China tech tensions, along with competition in the EDA space and inflation, are concerns ahead of the fourth-quarter earnings [7] - The demand for AI-driven design solutions is significantly influencing Cadence's performance, with strong activity in sectors such as data centers, drones, robotics, and automotive [8][10] Product and Service Developments - Cadence has expanded its AI and IP portfolio through new launches, partnerships, and acquisitions in 2025, benefiting from a $7 billion backlog and increased R&D spending [8][11] - The core EDA business is expected to gain from demand for new hardware systems, particularly among AI, automotive, and high-performance computing clients [13] - Recent product launches, including the ChipStack AI Super Agent and Tensilica HiFi iQ DSP IP, are designed to address the complexities of modern chip architectures and enhance performance in voice AI and immersive audio applications [19][20] Strategic Collaborations - Cadence is collaborating with major tech companies like Qualcomm and NVIDIA on next-generation AI designs, which is expected to enhance its market position [12] - The acquisition of the Design & Engineering division of Hexagon AB is anticipated to accelerate Cadence's footprint expansion in various sectors, including automotive and aerospace [16][17]

Fourth Quarter and FY2025 Preliminary and Unaudited Results February 10, 2026 Forward-Looking Statements and Risk Factors Certain statements in this presentation are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, particularly those regarding our 2025 Financial Guidance. Such forward-looking statements are subject to numerous assumptions, risks and uncertainties that could cause actual results to differ materially from those described in those stateme ...

Financial Data and Key Metrics Changes - The Cigna Group reported full-year adjusted revenue of $275 billion, reflecting an 11% growth year-over-year [8] - Adjusted earnings per share (EPS) for the full year reached $29.84, a 9% increase compared to the previous year [8][17] - The company recorded after-tax special item charges of $483 million, equating to $1.82 per share [4][5] Business Line Data and Key Metrics Changes - Evernorth's specialty and care services business generated $26.7 billion in revenue, marking a 14% year-over-year increase [31] - The pharmacy benefit services business within Evernorth delivered $36.3 billion in revenue, with adjusted earnings of $1.2 billion [31] - Cigna Healthcare achieved adjusted revenues of $11.2 billion in the fourth quarter, with pre-tax adjusted earnings of $734 million [32] Market Data and Key Metrics Changes - The company reported a 13% year-over-year growth in the number of specialty prescriptions [18] - The specialty pharmacy market is projected to grow significantly, with expectations of long-term average annual income growth of 8%-12% [75] - Approximately 90% of all prescriptions filled in the U.S. are generic, contributing to lower overall pharmacy spending [15] Company Strategy and Development Direction - The Cigna Group is focused on evolving its business model to enhance affordability and transparency in healthcare, particularly through a new rebate-free pharmacy benefits model [10][25] - The company aims to leverage partnerships and innovative solutions to improve patient access and lower costs, including collaborations with various healthcare providers [14][22] - Strategic investments in specialty capabilities and care services are intended to position the company for sustainable growth in a rapidly changing environment [8][31] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate a dynamic healthcare landscape, emphasizing a commitment to lowering healthcare costs and improving access to quality care [10][12] - The outlook for 2026 includes projected consolidated adjusted revenues of approximately $280 billion and adjusted EPS of at least $30.25 [33][34] - Management highlighted the importance of addressing underlying cost drivers in healthcare, including rising demand due to chronic conditions and aging populations [11] Other Important Information - The company announced a global settlement with the Federal Trade Commission, which is expected to provide $7 billion in out-of-pocket cost relief over the next 10 years for customers [9] - Cigna's new pharmacy benefit model is designed to ensure the lowest out-of-pocket costs for consumers and enhance support for local pharmacies [61] Q&A Session Summary Question: Discussion on PBM legislation and margin profile - Management indicated that the margin profile for the pharmacy benefit services (PBM) will remain similar despite the new model and regulatory changes, with a potential maximum impact of 1% on the effective tax rate due to the relocation of GPO capabilities [40][45] Question: Adoption of the new pricing model - The entire Cigna Healthcare fully insured book is expected to adopt the new pricing model by 2027, with at least 50% of the Evernorth business adopting it by the end of 2028 [48][51] Question: Specialty business growth drivers - The specialty business is experiencing strong growth, driven by increased prescriptions and a focus on biosimilars, with expectations for continued momentum in 2026 [75][78]

Financial Data and Key Metrics Changes - The Cigna Group reported full-year adjusted revenue of $275 billion, reflecting an 11% growth year-over-year [6][28] - Adjusted earnings per share (EPS) for the full year 2025 reached $29.84, a 9% increase compared to the previous year [6][30] - The company recorded after-tax special item charges of $483 million, equating to $1.82 per share [3][4] Business Line Data and Key Metrics Changes - Evernorth's specialty and care services business generated $26.7 billion in revenue, marking a 14% year-over-year growth [28] - The pharmacy benefit services business within Evernorth delivered $36.3 billion in revenue, with adjusted earnings of $1.2 billion [28] - Cigna Healthcare achieved adjusted revenues of $11.2 billion in Q4 2025, with pre-tax adjusted earnings of $734 million [30] Market Data and Key Metrics Changes - The company reported a 13% year-over-year growth in the number of specialty prescriptions in 2025 [15] - The specialty pharmacy market is projected to grow significantly, with a $400 billion-plus addressable market growing at a high single-digit secular growth rate [70] Company Strategy and Development Direction - Cigna Group is focused on evolving its business model to enhance customer experience and affordability, including a new rebate-free pharmacy benefits model [10][22] - The company aims to leverage partnerships and innovations to drive down healthcare costs and improve access to medications [11][12] - Strategic investments in specialty capabilities and pharmacy benefit services are intended to position the company for sustained growth [6][28] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate a dynamic healthcare environment and achieve sustained growth [5][13] - The outlook for 2026 includes projected consolidated adjusted revenues of approximately $280 billion and adjusted EPS of at least $30.25 [30][31] - The company anticipates continued investment in infrastructure to support its new pharmacy benefits model, with a focus on affordability and transparency [31][66] Other Important Information - The company announced a global settlement with the Federal Trade Commission, which is expected to provide $7 billion in out-of-pocket cost relief over the next 10 years for customers [7][8] - Cigna Group returned over $5 billion to shareholders through dividends and share repurchases in 2025 [13] Q&A Session Summary Question: Discussion on PBM legislation and margin profile - Management indicated that the margin profile for the pharmacy benefit services (PBS) will remain similar despite the new model and regulatory changes, with no expected change in the growth algorithm [37][39] Question: Adoption of new pricing model - The entire Cigna Healthcare fully insured book is expected to adopt the new pricing model by 2027, with at least 50% of the Evernorth business adopting it by the end of 2028 [44][48] Question: Specialty business growth drivers - The specialty business experienced 14% top-line growth, driven by strong demand in various therapeutic areas and the increasing adoption of biosimilars [70][71]

Core Insights - The ongoing replacement of Huawei equipment in Europe presents an annual opportunity of approximately $800 million, with strong activity and strategic discussions ongoing [1][5][6] Company Performance and Outlook - ADTRAN executives reported improving demand trends, expanding optical momentum, and a growing set of opportunities in Europe, particularly as they enter 2026 [4] - The company feels more optimistic entering 2026 compared to previous years, attributing this to a return to normal spending patterns and increased activity from customers [3][4] - Profitability metrics are improving, with gross margins trending towards a range of 42-43% and a goal of achieving double-digit operating margins [5][10] Market Dynamics - The replacement of Huawei equipment is expected to unfold in phases, with a significant focus on funding mechanisms for the removal and replacement of an estimated $10 billion worth of installed base [6][5] - Italy has been highlighted as a notable market where ADTRAN has secured contracts for both optical and access components, indicating a shift in market dynamics [7] Customer and Inventory Insights - Customers are currently purchasing what they need without significant inventory overhang, and the timing of orders can be variable [9] - The U.S. broadband buildout supported by BEAD is expected to gradually ramp up revenue contributions, particularly in the second half of the year [8] Financial Strategies - ADTRAN executed a ~$200 million convertible financing to reduce higher-cost debt and improve balance sheet flexibility [5][12] - The company is pursuing asset dispositions, including the sale of its North South Tower property, to capitalize on local market activity [13] Technological Advancements - ADTRAN has launched an AI tool named "Clarity" aimed at improving network maintenance and troubleshooting, which is currently in beta testing [14] - The company anticipates that AI-driven demand will necessitate upgrades to its optical equipment as carriers enhance their networks [15] Competitive Landscape - ADTRAN perceives a favorable competitive environment with fewer competitors in the access market and believes it has a next-generation product advantage [16] - The company has noted that early revenue from new opportunities may be minimal initially but is expected to build over the next two to three years [16][17]

Core Insights - Creative Realities, Inc. has appointed Dan McAllister as Chief Revenue Officer effective November 17, 2025, bringing over 25 years of experience in driving growth across digital signage and related technologies [1][2][3] - The company aims to leverage McAllister's expertise to accelerate growth in North America following its acquisition of Cineplex Digital Media, enhancing its leadership in providing digital signage solutions [2][4] Company Overview - Creative Realities designs, develops, and deploys digital signage experiences for enterprise-level networks, utilizing platforms such as Clarity, ReflectView, and iShowroom Content Management System (CMS) [4] - The company provides recurring SaaS and support services across various verticals, including retail, automotive, digital-out-of-home (DOOH) advertising, and more, focusing on enhancing customer experiences and increasing revenue [4] Leadership Background - Dan McAllister previously served as CRO at Blink AI Automotive and has held significant roles at Spectrio, The Miele Group, and Scala, contributing to his extensive knowledge of the digital signage value chain [3][2] - His experience includes advancing customer engagement through AI applications and developing targeted content strategies for enterprise deployments [3][2]

Financial Data and Key Metrics Changes - The company reported a slight increase in revenue for Q3 2025 compared to Q3 2024, with adjusted EBITDA slightly ahead of expectations, resulting in a 52.8% adjusted EBITDA margin [4][19] - Free cash flow for Q3 2025 was $44.4 million, up 32% from $33.6 million in Q3 2024, driven by strong adjusted EBITDA conversion and outstanding collections [5][19] - The company expects free cash flow for the year to exceed $95 million, ahead of original expectations [5] Business Line Data and Key Metrics Changes - Corporate channel revenue reached a record $56.3 million, a 6.1% increase from $53.1 million in Q3 2024, driven by strong performance in upper enterprise accounts and public sector business [8][17] - SOHO business revenue was $31.5 million, representing a strategic planned decline of 9.2% from $34.7 million in Q3 2024, reflecting a focus on optimizing profitability [12][18] - Corporate ARPA was $293 for the quarter, down from $301 in Q2 2025 and $310 in Q3 2024, influenced by the expansion of the SMB cohort [10][18] Market Data and Key Metrics Changes - The corporate customer base expanded to approximately 65,000, up over 12% from 58,000 in Q3 2024 [9][17] - The VA segment saw record high usage and revenue, unaffected by the government shutdown, indicating strong adoption [11][12] - SOHO cancellation rate improved to 3.71% from 3.84% in the previous quarter, reflecting better customer retention [13][18] Company Strategy and Development Direction - The company is focused on expanding its corporate SMB and upper enterprise markets while maintaining a strong emphasis on healthcare [15] - A brand refresh for eFax aims to unify the company's advanced solutions under a familiar name, enhancing market trust [14][15] - The company plans to continue opportunistic repurchases of both debt and equity as part of its capital allocation strategy [6][22] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth trajectory of the VA segment, anticipating continued expansion and increased adoption [28] - The company acknowledged potential near-term headwinds in the SOHO segment due to changes in the search environment, but is executing a recovery plan [13][50] - Management expects to provide full-year 2026 guidance in early 2026, indicating a positive outlook for future performance [53] Other Important Information - The company drew approximately $200 million from its credit facility to retire a like amount of 6% notes, reducing total indebtedness significantly [6][22] - The company ended Q3 2025 with cash of approximately $98 million, sufficient to fund operations and repurchases [21] Q&A Session Summary Question: Can you talk about the VA and corporate sales? - Management noted that the VA continues to expand, with increased usage and ongoing rollout to new facilities, expecting growth to continue into 2026 [28] Question: What is the current penetration of VA sites? - The company is more than 50% deployed in terms of raw numbers, but not all sites are fully utilized yet, indicating potential for future growth [30] Question: What is the expected deceleration rate for SOHO revenue? - Management indicated it is difficult to predict, but expects the decline to continue into 2028 or later, with a focus on stabilizing the customer base [34] Question: Can you discuss advanced product upsells into corporate? - Management highlighted strong performance in AI product adoption and integration services, which are key drivers of revenue growth [37] Question: What factors influenced the decline in SOHO paid ads? - The decline was attributed to a spike in customer acquisition costs and changes in the search environment, with recovery measures already in place [40] Question: Can the VA revenue grow from $10 million to $20 million? - Management indicated that while the current focus is on the eFax platform, there is potential for upselling additional solutions into the VA in the future [42]

Core Insights - Creative Realities, Inc. will participate in the 16th Annual Craig-Hallum Alpha Select Conference on November 18, 2025, providing opportunities for one-on-one meetings with management and institutional investors [1] Company Overview - Creative Realities designs, develops, and deploys digital signage experiences for enterprise-level networks, utilizing platforms such as Clarity, ReflectView, and iShowroom Content Management System (CMS) [2] - The company offers recurring SaaS and support services across various vertical markets, including retail, automotive, digital-out-of-home advertising, convenience stores, foodservice, gaming, theater, and stadium venues [2] - Creative Realities helps clients leverage place-based digital media to achieve business objectives like increased revenue, enhanced customer experiences, and improved productivity [2] - The company manages Retail Media Networks to monetize on-premise foot traffic through its AdLogic and AdLogic CPM+ programmatic advertising platforms [2]