Dallas, TX 2025 Southwest IDEAS Conference November 20, 2025 Forward-looking statements and Non-GAAP information This presentation contains forward-looking statements with predictions, projections and other statements about future events. These statements are made on the basis of management's views and assumptions regarding future events and business performance. We use words such as "believe," "expect," "anticipate," "intends," "estimate," "forecast," "project," "will," "plan," "should" and similar express ...

November 2025 Investor Presentation Fiscal 2025 Fourth Quarter and Year End Financial Results Forward-Looking Statements and Non-GAAP Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. NJR cautions readers that the assumptions forming the basis for forward-looking statement ...

DISCLAIMER This presentation contains estimates and other statistical data made by independent parties and by the Company relating to market size and growth and other data about the Company's industry and estimated total addressable market. This data involves a number of assumptions and limitations, and you are cautioned not to give undue weight to such estimates. Neither the Company nor any other person makes any representation as to the accuracy or completeness of such data or undertakes any obligation to ...

Fourth Quarter & Fiscal Year 2025 Earnings Call November 20, 2025 NYSE: BV Introductory Information Forward Looking Statements This presentation contains "forward-looking statements" within the meaning of the safe harbor provision of the U.S. Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which are subject to the "safe harbor" created by th ...

Agora, Inc. 2025 Q3 Earnings November 19, 2025 Disclaimer Information in this presentation contains forward-looking statements within the meaning of Section 21E of the U.S. Securities Exchange Act of 1934, as amended. These forward-looking statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. All statements other than statements of historical or current fact included in this presentation are forward-looking statements, including but not limited ...

3Q 2025 INVESTOR PRESENTATION November 2025 \\firmwide.corp.gs.com\ibdroot\projects\IB D-HK\mobility2020d\681221_1\02. Library\IR Presentation\Graphics\01 ZTO Cover A4_Folder\02 ZTO Cover A4.ai \\firmwide.corp.gs.com\ibdroot\projects\IB D-HK\mobility2020d\681221_1\02. Library\IR Presentation\Graphics\01 ZTO Cover A4_Folder\02 ZTO Cover A4.ai Ai: \\firmwide.corp.gs.com\ibdroot\projects\IB D-HK\mobility2020d\681221_1\02. Library\IR Presentation\Graphics\01 ZTO Cover A4_Folder\02 ZTO Cover A4.ai JPEG: \\firmwi ...

FinVolution Group I n v e s t o r P r e s e n t a t i o n November 2025 This presentation has been prepared by FinVolution Group (the "Company") pursuant to Section 5(d) of the U.S. Securities Act of 1933, as amended (the "Securities Act") solely for informational purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any investment activity or trading strategy, nor may it or any part of it form the basis of or be relied on in ...

Summary of Postal Realty Trust (NYSE:PSTL) FY Conference Call Company Overview - **Company**: Postal Realty Trust (PSTL) - **CEO**: Andrew Spodek - **Industry**: Real Estate Investment Trust (REIT) focused on properties leased to the U.S. Postal Service Key Points and Arguments 1. **Business Model**: Postal Realty Trust focuses on acquiring and managing properties leased to the U.S. Postal Service, which has a strong track record of timely rent payments, maintaining a 100% collection rate regardless of economic conditions [3][22] 2. **Portfolio Size**: The company operates nearly 2,000 properties across 49 states, with an enterprise value of approximately $900 million [9] 3. **Market Context**: There are about 32,000 postal properties in the U.S., with the Postal Service leasing 23,000 of them. The market for these assets is estimated to be between $12 billion and $15 billion [5] 4. **Retention Rate**: The company has maintained a 99% retention rate for its properties over the past decade, indicating stability in its tenant relationships [3][18] 5. **Acquisition Strategy**: The company aims to acquire properties at a cap rate of 7.5% and has set a target of $110 million in acquisitions for the year [9][10] 6. **Growth Metrics**: Postal Realty Trust projects Same Store NOI growth of 8.5%-9.5% and earnings growth of 12%-13% year-over-year [10] 7. **Lease Structure**: 53% of the leases have annual escalations, with 3% increases, and 37-38% of the portfolio has 10-year lease terms [11][27] 8. **Debt Management**: The company maintains a conservative approach to leverage, aiming to stay below 5.5 times debt-to-EBITDA, while balancing debt and equity [29][30] Additional Insights 1. **Unique Position**: Postal Realty Trust is the only public company focused on postal properties, owning approximately 8%-9% of the market, while the next 20 largest owners collectively hold about 12% [13][25] 2. **Off-Market Deals**: 75% of the company's acquisitions are off-market, highlighting its strong reputation and relationships within the industry [16] 3. **Investment in Infrastructure**: The company views its investments as critical to the logistics network of the U.S., emphasizing the importance of postal properties in the last-mile delivery market [20][21] 4. **Tax Benefits**: The company offers sellers the opportunity to exchange properties for operating partnership units, providing tax-deferred benefits [7] 5. **Banking Relationships**: Postal Realty Trust has established strong banking relationships with major institutions, which supports its financing needs [24] This summary encapsulates the key aspects of Postal Realty Trust's business model, market position, growth strategies, and financial management as discussed in the conference call.

Xcel Brands (NasdaqCM:XELB) Q3 2025 Earnings Call November 19, 2025 05:00 PM ET Our management believes these financial performance measurements are also useful because these measures adjust for certain costs and other events that management believes are not representative of our core business operating results, and thus they provide supplemental information to assist investors in evaluating the company's financial results. These non-GAAP measures should not be considered in isolation or as alternatives to ...

Financial Data and Key Metrics Changes - For Q4 2025, the company reported revenue of $60.6 million and adjusted EBITDA of $8.3 million, exceeding guidance [5][16] - Full fiscal year revenue reached $251.8 million, with adjusted EBITDA of $48.1 million, and free cash flow grew almost threefold year-over-year to $46.8 million [5][20] - The price per unit (PPU) increased to $5.05 for the trailing 12-month period, up 12% from the previous year [5][23] Business Line Data and Key Metrics Changes - Variable license revenue for Q4 was $31.6 million, up 25% year-over-year, while connected service revenue was $14.2 million, up 17% year-over-year [17][18] - Professional services revenue for Q4 was $14.2 million, down 18% year-over-year, reflecting a focus on higher gross margins [18][19] - Total license revenue for the full year grew 13%, despite lower fixed license contracts [17] Market Data and Key Metrics Changes - The company shipped approximately 11.7 million units in Q4, an increase from 10.6 million in the prior year [21] - The number of connected cars shipped grew by 14% on a trailing 12-month basis, with 52% of worldwide auto production including Cerence technology [22] - Adjusted total billings were $236 million, an increase of 8.4% year-over-year [22] Company Strategy and Development Direction - The company aims to monetize its intellectual property and protect it against infringers, with ongoing actions against major companies [6][7] - A multi-year roadmap for IP monetization is in place, expected to support non-automotive business growth [8][12] - The company is focused on advancing its AI roadmap, growing its business with new and existing customers, and continuing transformation and cost management initiatives [8][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the foundation for long-term sustainable growth in fiscal 2026 and beyond, with expected revenue in the range of $300 million to $320 million [15][24] - The anticipated growth reflects an 8% increase in the core technology business and a focus on increasing adoption of Cerence XUI [15][24] - Management highlighted the importance of maintaining cost diligence while driving top-line growth [26] Other Important Information - The company resolved a lawsuit with Samsung, resulting in a one-time payment of $49.5 million, which is expected to contribute to revenue in Q1 [6][27] - A restructuring plan was initiated to reduce operating expenses and position the company for profitable growth [12][13] Q&A Session Summary Question: Clarification on IP monetization and legal expenses - Management confirmed that the $49.5 million payment from Samsung will flow through as revenue, with anticipated legal costs of approximately $24 million [27][28] Question: Interest in XUI and proof of concepts - Management noted ongoing POCs with about half a dozen OEMs, indicating increased interest in the XUI platform [28][29] Question: Connected revenue and accounting practices - Management clarified that connected revenue is recognized over the life of the contract, with no unusual accounting practices affecting the current quarter [29][30] Question: Non-automotive opportunities - Management identified kiosk implementations and a phone answering chat service as key non-automotive opportunities [32][33] Question: Core business growth breakdown - Management explained that the expected 8% growth in core technology is driven by increased billings and amortization of deferred revenue [34][35] Question: Competitive landscape update - Management indicated that the competitive landscape remains stable, with a focus on large language models and agentic AI driving competition [36]