Integer (NYSE:ITGR) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsAndrew Senn - Director of Investor RelationsDiron Smith - EVP and CFOConference Call ParticipantsAndrew Cooper - AnalystBrett Fishbin - AnalystJoanne Lynch - AnalystMatthew O'Brien - AnalystNathan Treybeck - AnalystPayman Khales - AnalystRichard Newitter - AnalystSuraj Kalia - AnalystTravis Steed - AnalystOperatorGood morning, and thank you for standing by. Welcome to Energous, excuse me, Integer Holdings Corporation ...

Borr Drilling (NYSE:BORR) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsBruno Morand - CEOFredrik Steen - Head of Shipping and Offshore ResearchGreg Lewis - Managing DirectorJoshua Jayne - Managing DirectorMagnus Vaaler - CFOScott Gruber - Director of Oilfield Services and Equipment ResearchConference Call ParticipantsTruls Olsen - Equity Research AnalystOperatorGood day, and thank you for standing by. Welcome to the Borr Drilling Limited Q4 2025 results presentation webcast and co ...

American Water Works Company (NYSE:AWK) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsAaron Musgrave - VP of Investor RelationsCheryl Norton - COODavid Bowler - Vice President and TreasurerJohn Griffith - President and CEOConference Call ParticipantsGregg Orrill - Executive Director and Equity AnalystJulien Dumoulin-Smith - Research AnalystRui Zhai - Equity AnalystOperatorGood morning, and welcome to American Water's fourth quarter 2025 earnings conference call. As a reminder, this ...

Financial Data and Key Metrics Changes - In 2025, Medallion Financial Corp reported record performance with increases in net interest income, net income, originations, and portfolio size compared to 2024 [4] - Net interest income grew 8% to $56.4 million for Q4 and 7% to $216.9 million for the full year [17] - Net income attributable to shareholders was $12.2 million for Q4, an increase of $2.1 million from the prior year, and $43 million for the full year, up $7.2 million [23] Business Line Data and Key Metrics Changes - Consumer lending, the largest business line, reported interest income of $74.5 million for Q4 and $289.9 million for the year, growing 5% and 8% respectively [5] - Home improvement loans stood at $810.2 million, with Q4 originations of $61.7 million, down from $82.5 million a year ago [7] - Commercial lending originations were $4.1 million for Q4, compared to $7.3 million the previous year, but total originations for the year increased to $40.6 million from $14.3 million [8] Market Data and Key Metrics Changes - Total loans reached $2.567 billion, with total originations of $421 million for Q4 and $1.5 billion for the full year, reflecting growth from the previous year [4] - The average interest rate on the total loan portfolio increased to 12.26% from 12.01% a year ago [19] - Delinquencies of ninety-plus days were 0.82% for recreational loans and 0.16% for home improvement loans, indicating strong credit quality [6][7] Company Strategy and Development Direction - The company aims to build on its strong foundation while refining strategic priorities, focusing on growth in the recreation and home improvement segments [13] - A disciplined origination strategy and prudent balance sheet management are prioritized to ensure sustainable growth [12] - The strategic partnership program has seen significant growth, with originations reaching a record level of $258.3 million [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate changing environments and deliver consistent returns for shareholders [16] - The focus for 2026 includes targeting sustained growth in core business lines and expanding the home improvement segment [13] - Management acknowledged the potential for market conditions to evolve but emphasized a clear and consistent strategy [16] Other Important Information - The provision for credit loss was $27.7 million for Q4, reflecting an increase from previous quarters due to portfolio growth and adjustments in allowance coverage [20] - The company collected $2.5 million from its legacy Taxi Medallion business during Q4, with net recoveries and gains of $1.4 million [11] - The adjusted tangible book value per share increased to $12.12, up from $10.50 a year ago [24] Q&A Session Summary Question: How would you characterize the provision expense of $27.7 million? - Management explained that the increase was due to moving loans from held for sale to held for investment and adjustments in allowance coverage [26][27] Question: What were the nature of the equity gains recognized? - Management detailed that the $8.8 million in equity gains came from several exits, including gains on warrants and equity investments [32][34] Question: What is the growth outlook for the home improvement segment? - Management indicated a focus on mid-teens growth for home improvement, supported by new talent and improved capital availability [36][38] Question: Should we expect a growth in the reserve ratio in 2026? - Management stated that while the allowance will grow with the loan book, significant changes in the reserve ratio are not expected [46] Question: What were the net charge-offs for Q4? - Management provided details on net charge-offs, indicating $107 for home improvement and $441 for the recreational portfolio [48]

Pediatrix Medical Group (NYSE:MD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsJack Slevin - VP of Healthcare Services Equity ResearchKasandra Belraoui - CFOMark Ordan - CEOMary Ann Moore - Chief Administrative Officer and General CounselConference Call ParticipantsA.J. Rice - Managing Director and Senior Equity Research AnalystAnn Hynes - Managing Director and Senior Healthcare Services Equity Research AnalystMatthew Mardula - Equity Research AnalystOperatorHello, and thank you f ...

Financial Data and Key Metrics Changes - For the full year 2025, the company reported adjusted earnings of $894 million, or $3.83 per share, compared to $878 million, or $3.81 per share for the same period last year, reflecting a slight increase in earnings despite challenges [26] - The company raised its long-term adjusted EPS growth target to 6%-8%+ through 2030, with expectations of exceeding 8% annually beginning in 2028 [5][43] - The financial results in 2025 were negatively impacted by weather and weak industrial demand, leading to a decrease in EPS by $0.43 due to higher operation and maintenance costs and depreciation [6][27] Business Line Data and Key Metrics Changes - The company executed a capital investment plan of $2.8 billion in 2025 to modernize infrastructure and improve reliability, despite facing challenges from weather and demand [6][9] - New electric service agreements for four major data center projects were announced, representing 1.9 GW of steady-state peak demand, which is expected to increase total peak system demand by nearly 20% [10][11] Market Data and Key Metrics Changes - The company has grown its pipeline to over 15 GW, with significant legislative support in Missouri and Kansas for infrastructure investment [6][8] - The approval of new large load power service tariffs in both Kansas and Missouri is expected to drive affordability benefits for existing customers while supporting economic growth [7][15] Company Strategy and Development Direction - The company aims to maintain competitive and affordable rates, with a focus on cost discipline and infrastructure investment to support economic development in Kansas and Missouri [20][23] - A rolling five-year investment plan totaling approximately $21.6 billion is set to drive 11.5% annualized rate base growth through 2030, with a significant portion allocated to new generation investments [22][35] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the updated financial outlook, which has been tested against various outcomes, and emphasized the importance of consistent financial performance for long-term value creation [6][43] - The company expects a return to normal residential load growth in 2026, with strong early indications for industrial demand compared to 2025 [27][83] Other Important Information - The company raised its dividend by 4% to an annualized $2.78, with expectations for the payout ratio to decline over time to a revised target of 50%-60% [9][37] - The LLPS tariffs established a framework for new large customers to pay a premium demand rate, which will generate significant benefits for existing customers [15][17] Q&A Session Summary Question: Can you discuss the equity issuances planned for 2030? - Management indicated no planned equity issuances for 2030 due to expected improvements in cash flow, but noted that additional capital opportunities may arise [49][51] Question: What is the potential for additional electric service agreements (ESAs)? - Management expects at least one more executed ESA in 2026, with potential for additional sizable opportunities beyond that [55][56] Question: How does incremental load growth affect CapEx and earnings? - Management stated that each ESA will depend on negotiations with customers, and historically, a 50/50 debt-equity funding approach is used for incremental capital [94]

ARMOUR Residential REIT (NYSE:ARR) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsDave Storms - Director of Equity ResearchDesmond Macauley - Co-Chief Investment OfficerEric Hagen - Managing DirectorGordon Harper - CFOScott Ulm - CEOSergey Losyev - Co-Chief Investment OfficerConference Call ParticipantsTimothy D'Agostino - Research AnalystTrevor Cranston - Equity Research AnalystOperatorGood day. Welcome to the ARMOUR Residential REIT's Fourth Quarter 2025 Earnings Conference Call. ...

Upbound Group (NasdaqGS:UPBD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsBobby Griffin - Managing Director of Equity ResearchFahmi Karam - CEOHal Khouri - CFOKyle Joseph - Managing DirectorSteven Kos - Director of Finance and Investor RelationsYuna Sohn - Equity Research Senior AssociateConference Call ParticipantsAnthony Chukumba - Managing Director and Senior Research AnalystBrad Thomas - Managing Director and Equity Research AnalystHoang Nguyen - VP and Senior Equity Research ...

Choice Hotels International (NYSE:CHH) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsAllie Summers - Senior Director of Investor RelationsPatrick Pacious - President and CEOScott Oaksmith - CFOConference Call ParticipantsDan Politzer - AnalystDavid Katz - AnalystLizzie Dove - AnalystMeredith Jensen - AnalystMichael Bellisario - AnalystPatrick Scholes - AnalystRobin Farley - AnalystTrey Bowers - Managing Director and Equity Research AnalystOperatorLadies and gentlemen, thank you for ...

Brookdale Senior Living (NYSE:BKD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsAndrew Mok - Director of Equity ResearchDawn L. Kussow - EVP and CFOMary Sue Patchett - COOMike Grant - VP of Investor RelationsNick Stengle - CEOConference Call ParticipantsBen Hendrix - VP and Equity Research AnalystBrian Tanquilut - Senior Equity Research AnalystJoanna Gajuk - Equity Research AnalystJosh Raskin - Managing Director and AnalystOperatorGood morning. My name is Jordan, and I'll be your ...