Rithm Capital Corp. (NYSE:RITM) is one of the high-growth, low P/E stocks to buy now. On February 3, Chief Executive Officer Michael Nierenberg reiterated that Rithm Capital Corp. (NYSE:RITM) achieved strategic progress in 2025, resulting in 19% of earnings available for distribution to equity holders. Rithm Capital Corp. (RITM) Positioned for Growth on Strategic Investments The company delivered fourth-quarter and full-year results that underscored the durable momentum built as it completed the acquisit ...

This story was originally published on CFO Dive. To receive daily news and insights, subscribe to our free daily CFO Dive newsletter. Macrina Kgil, a five-time CFO who has seen many changes reshape finance roles over her decades-long career, is eyeing yet another one that could emerge this year: stablecoin accounting standards.  Specifically, she is hopeful the Financial Accounting Standards Board, as part of a high-profile technical project that was approved last fall, will decide to classify stablecoin ...

Key Takeaways NAVI will report fourth-quarter 2025 results on Jan. 28, with EPS expected to be 31 cents, up year over year.Navient may see revenue pressure as Federal Education Loans weaken, despite resilient consumer loan demand.Navient's cost-control efforts and leadership restructuring could support profitability amid segment shifts.Navient Corporation (NAVI) is scheduled to report fourth-quarter 2025 results on Jan. 28, before the opening bell. Its quarterly revenues are expected to have declined, while ...

Loan Portfolio Presentation January 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) Fourth Quarter Ended December 31, 2025 Loan Portfolio by Category Gross Loans [in thousands] Consumer* $174,448 4% Single Family Real Estate $788,835 18% Multi-family Real Estate $1,387,410 31% Commercial Real Estate $1,556,148 35% Const & Land Dev $349,161 8% Commercial Business $178,514 4% *Includes Home Equity Loans of $128,030 12-31-25 $4,434,516 9-30-25 $4,543,707 Consumer* $171,519 4% Single Family Real Estate $802,384 ...

Economic & Banking Industry Overview - Domestic demand continues to strengthen, as shown by GDP and Domestic Demand growth rates[10] - Total imports and capital imports experienced significant fluctuations[11] - Planned investment by CCG (Corporación Chilena del Cobre) is projected to be US$72389 million in 2025 (E)[13] - Inflation and interest rates are normalizing[15] Banco de Chile's Performance - Banco de Chile's forecast for 2025 includes a GDP growth of 25%, CPI of 39%, and an overnight rate of 450%[20] - The banking industry's net income for 3Q25 was CLP 1321 billion[23] - Banco de Chile's net income market share as of September 2025 is 221%[47] - Banco de Chile's net income for the period attributable to equity holders was CLP 292914 million in 3Q25, a 17% increase compared to 3Q24[104] - The bank's CET1 ratio is 142%, and the total Basel III capital ratio is 180%[76] Strategic Priorities and Financial Results - The bank aims for a cost-to-income ratio of ≤42% and targets top 1 market share in demand deposits, commercial loans, and consumer loans[37] - Total loans reached CLP 396 trillion in 3Q25, with a YoY increase of 37%[60] - Operating expenses to operating income ratio is 3756%[110] - The bank's expected credit losses (ECLs) decreased by 10%[78]

Financial Performance - Credit Acceptance Corporation reported consolidated net income of $108.2 million, or $9.43 per diluted share, for the three months ended September 30, 2025, representing a 37.3% increase from $78.8 million in the same period of 2024 [1][29] - Adjusted net income for the same period was $117.9 million, or $10.28 per diluted share, a 2.7% increase from $114.8 million in 2024 [1][31] - The company experienced a 5.4% increase in GAAP average debt, rising to $6.4 billion from $6.1 billion year-over-year [29] Consumer Loan Metrics - The average balance of the loan portfolio increased by 3.9% to $8.0 billion from the third quarter of 2024 [6] - Consumer Loan assignment unit and dollar volumes declined by 16.5% and 19.4%, respectively, compared to the third quarter of 2024 [6][24] - The forecasted collection rates for Consumer Loans assigned in 2025 improved to 67.2% as of September 30, 2025, compared to 66.9% as of June 30, 2025 [7][14] Operational Highlights - The company modernized its loan origination system, resulting in a 70% increase in the speed of delivering enhancements to dealers compared to the previous year [6] - 1,342 new dealers were enrolled in the company's programs, bringing the total to 10,180 active dealers during the quarter [6][24] - The company repurchased approximately 230,000 shares, or 2.0% of the shares outstanding at the beginning of the quarter, totaling $107.4 million [6] Economic Profit and Capital Management - Economic profit decreased by 8.7% for the three months ended September 30, 2025, compared to the same period in 2024, primarily due to an increase in the cost of capital and a decrease in adjusted return on capital [32] - Adjusted average capital increased by 3.7% to $8.7 billion from $8.4 billion year-over-year [31] - The company reported a decrease in provision for credit losses of 17.7%, amounting to $32.7 million, attributed to a decline in Consumer Loan assignment unit volume [33]

Financial Data and Key Metrics Changes - The company reported a quarterly net loss of $1.9 million, an improvement from a $2 million loss in the prior quarter [2][6] - Pre-provision net loss was $1.3 million, also showing improvement compared to the previous quarter [2] - Net interest income increased by $551,000 to $12.2 million, driven by an 11.8% annualized increase in interest income [6][4] - Tangible book value per share increased to $15.14 [4] - Non-performing loans rose to $11.4 million, or 66 basis points of total loans, up from $6.3 million, or 38 basis points in the prior quarter [9] Business Line Data and Key Metrics Changes - Loan growth totaled $41.9 million, with commercial real estate and consumer loan portfolios driving this increase [3][9] - The commercial loan portfolio grew by $7.2 million, with strong origination activity of $81.3 million [3] - Consumer loan portfolio increased by $38 million, supported by purchases of unsecured consumer loans [3] - Core deposits grew by over 10% year-to-date, while commercial deposits increased by over 17% [3] Market Data and Key Metrics Changes - The net interest margin expanded by six basis points to 2.34%, supported by a nine basis point increase in asset yields [4][6] - The cost of average interest-bearing liabilities declined to 2.72% [6] Company Strategy and Development Direction - The company is focused on growing core deposits, diversifying the loan portfolio, and expanding the net interest margin [2] - A relationship-driven approach has been emphasized to enhance loan growth and deposit acquisition [3][21] - The company plans to de-emphasize CDs in favor of money market products to manage funding costs [12][13] Management's Comments on Operating Environment and Future Outlook - Management expects downward rate movements to benefit funding costs and net interest margin over time [5] - The company anticipates a relatively flat margin in Q4, with a significant pickup expected in 2026 due to repricing activities [17][18] - Credit quality remains sound, with minimal charge-offs and a disciplined approach to risk management [8][9] Other Important Information - The company repurchased over 837,000 shares at a weighted average price of $9.09 per share, with a total of 8.65 million shares repurchased since the program's inception [4] - Liquidity and capital remain strong, with $423 million in borrowing capacity and $178 million in unencumbered securities [4] Q&A Session Summary Question: Margin outlook and response to rate cuts - Management discussed strategies to manage funding costs and expectations for matching Fed rate cuts [12][13] Question: Loan growth outlook and consumer loan portfolio - Management confirmed a target growth range of 7% to 8% for the structured consumer loan portfolio [26] Question: Buyback activity and future expectations - Management indicated that the recent buyback activity may not be a sustainable run rate, but they still have shares available for repurchase [27][28]

Core Insights - Navient Corporation (NAVI) is set to report its third-quarter 2025 results on October 29, with expectations of revenue growth but a decline in earnings year-over-year [1][9] Revenue Expectations - Quarterly revenues are projected to rise by 1.6% to $142.2 million, while earnings per share (EPS) are expected to drop by 35.7% to 18 cents [3][9] - The Consumer Lending segment is anticipated to show a decent rise in revenues due to solid consumer loan demand, while the Federal Education Loans segment may face pressure from lower prepayment levels and subdued originations [4] - The consensus estimate for net interest income (NII) is $142.2 million, reflecting an 8.6% sequential increase, with specific estimates of $50.3 million for Federal Education loans (up 2.7%) and $107.8 million for consumer lending (down 4.6%) [5] - Total non-interest income is estimated to decline by 27.5% sequentially to $23.9 million [6] Expense Management - Ongoing cost-control initiatives are expected to enhance operating efficiency and reduce expenses, aided by strategic actions such as divestitures and workforce reductions [7][9] Earnings Surprise History - NAVI has a notable earnings surprise history, having outperformed estimates in three of the last four quarters, with an average earnings surprise of 17.97% [2] Earnings ESP and Zacks Rank - The Earnings ESP for Navient is -3.44%, indicating a lower likelihood of an earnings beat, and the company currently holds a Zacks Rank of 3 (Hold) [8][10]

Financial Performance - Net income experienced a significant decline, moving from a profit of $20644000 in Q2 2025 to a loss of $221990000 in Q3 2025[6] - Diluted EPS decreased substantially from $047 in Q2 2025 to $(469) in Q3 2025[6] - Net interest income increased from $55355000 in Q2 2025 to $58386000 in Q3 2025[6] - The net interest margin (NIM) on a fully taxable equivalent (FTE) basis expanded to 352% in Q3 2025, up from 323% in Q2 2025[6] Balance Sheet Transformation - The company completed the sale of $17 billion in investment securities and redeployed $580 million at a yield of 527%[8] - $700 million in FHLB puttable advances were prepaid[8] - $176 million of indirect auto loans were sold near the end of September[8] - Non-core, higher-cost transactional deposits were reduced by approximately $275 million[8] Loan Portfolio - Total loans decreased by $162 million, a 325% linked quarter decline[14] - Commercial loans grew 70% LQA[20] - Indirect auto loans declined by $210 million due to the intentional run-off and sale of $176 million in the quarter[25] Deposits - Total deposits decreased from $5699757000 in Q2 2025 to $5520901000 in Q3 2025[6] - Loans to deposits ratio is 874%[37]

Financial Performance - Net income available to common shareholders was $548 million, or $061 per diluted share[5] - Adjusted net income available to common shareholders was $561 million, or $063 per diluted share[5] - Total revenue reached $1916 million, with adjusted total revenue at $1941 million[5] - Pre-Tax Pre-Provision Income was $813 million, with adjusted Pre-Tax Pre-Provision Income at $830 million[5] - The efficiency ratio was 572%, with an adjusted efficiency ratio of 569%[5] - Return on Average Tangible Common Equity was 1881%, with an adjusted Return on Average Tangible Common Equity of 1924%[5] Loans and Deposits - Average loans grew by approximately 1%, while ending loans declined by approximately 1%[12] - Average business loans increased by 1%, driven by C&I and real estate[12] - Average consumer loans remained relatively stable[12] - Average deposits by segment: Wealth Management $404 billion, Consumer Bank $797 billion, Corporate Bank $76 billion, Other $26 billion[14] - Average balances in the Corporate Banking Group increased by more than 1%[15] Net Interest Income (NII) and Margin - NII was $1269 million, and the Net Interest Margin (NIM) was 359%[17] - NII is expected to increase by 1-2% in Q4 2025 compared to Q3 2025, with NIM in the mid-360%s[22] - FY25 NII is now expected to grow between 3-4%[22] Non-Interest Income and Expense - Non-interest income was $684 million[30] - Capital Markets (Ex CVA) revenue increased 224%[31] - Adjusted non-interest income is expected to grow between 4-5% for FY25[33] - Non-interest expense was $1103 million, with an adjusted non-interest expense of $1111 million[35] - Adjusted non-interest expense is expected to be up approximately 2% for FY25[38]