Financial Institutions (NasdaqGS:FISI) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Speaker0Hello everyone, and thank you for joining the Financial Institutions Inc. third quarter 2025 earnings call. My name is Lucy, and I'll be coordinating your call today. During the presentation, you can register a question by pressing *1 on your telephone keypad. If you change your mind, please press *2. It is now my pleasure to hand over to your host, Kate Croft, Director of Investor Relations, to begin. Please g ...

First Financial Bancorp (NasdaqGS:FFBC) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Speaker7Thank you for standing by and welcome to the First Financial Bancorp Third Quarter 2025 Earnings Conference Call and Webcast. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to ...

Sanofi (NasdaqGS:SNY) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Speaker1Hello everyone, this is Thomas Kudsk Larsen from the Sanofi IR team. Welcome to the Q3 2025 conference call for investors and analysts. As usual, you can find the slides on Sanofi.com. Please turn to slide number three. Here we have the usual forward-looking statements. We would like to remind you that information presented in this call contains forward-looking statements that are subject to substantial risk and uncertainty tha ...

Procter & Gamble (NYSE:PG) Q1 2026 Earnings Call October 24, 2025 08:30 AM ET Speaker0Good morning, and welcome to Procter and Gamble's Quarter End Conference Call. Today's event is being recorded for replay. This discussion will include a number of forward looking statements. If you will refer to P and G's most recent 10 ks, 10 Q and eight ks reports, you will see a discussion of factors that could cause the company's actual results to differ materially from these projections. As required by Regulation G, ...

Financial Data and Key Metrics Changes - Organic sales growth for the first quarter of fiscal 2026 was 2%, marking 40 consecutive quarters of organic sales growth [2][5] - Core earnings per share (EPS) increased by 3% year-over-year to $1.99, with a currency-neutral basis also reflecting a 3% increase [5] - Core gross margin decreased by 50 basis points, while core operating margin remained equal to the prior year [5] - Adjusted free cash flow productivity was reported at 102%, with $3.8 billion returned to shareholders, including $2.55 billion in dividends and $1.25 billion in share repurchases [5][19] Business Line Data and Key Metrics Changes - Skin and personal care led growth with high single-digit increases, while hair care, grooming, personal health care, home care, and baby care grew in low single digits [3][4] - Oral care and feminine care remained flat compared to the prior year, while fabric care and family care saw declines in low single digits [3] - In North America, organic sales were up 1%, with consumption decelerating throughout the quarter [3][4] Market Data and Key Metrics Changes - Organic sales in Greater China grew by 5%, with Pampers and SK-II each achieving double-digit growth [4] - Latin America saw organic sales increase by 7%, driven by strong growth in Mexico and Brazil [4] - Global aggregate market share decreased by 30 basis points, with 24 of the top 50 category-country combinations holding or growing share [4][5] Company Strategy and Development Direction - The company is focusing on increased investment in its integrated growth strategy, emphasizing consumer-centric approaches and innovation [6][15] - Plans include significant upgrades to core products, such as Tide's liquid detergent, and the introduction of new products like Tide Evo [8][10] - The restructuring program aims to enhance agility and efficiency, with a target of reducing up to 7,000 non-manufacturing roles [14][26] Management's Comments on Operating Environment and Future Outlook - Management acknowledged a challenging competitive environment, particularly in the U.S. and Europe, but expressed confidence in the company's strategy to drive growth [5][15] - The guidance for fiscal 2026 maintains organic sales growth expectations of 2% to 4%, with core EPS growth also projected in the same range [16][17] - Management highlighted the importance of innovation and integrated superiority to navigate the current market challenges [15][38] Other Important Information - The company is actively managing its portfolio to enhance dollar-based returns and has made strategic exits from underperforming categories in certain markets [12][73] - The company expects to return approximately $15 billion to shareholders in fiscal 2026, including $10 billion in dividends and $5 billion in share repurchases [19] Q&A Session Summary Question: How is the restructuring being received internally? - Management reported that the organization is adapting well to the restructuring, with clear plans in place for role reductions and organizational changes aimed at creating a more agile company [24][25] Question: What is the competitive landscape in North America for fabric care and baby care? - Management noted heightened competitive activity in both categories, with a focus on driving integrated superiority through innovation rather than just promotions [30][31] Question: What are the reasons for the decline in global market share? - Management indicated that the decline is influenced by increased promotional activity and competitive aggressiveness, particularly in the U.S. and Europe, but noted improvements in absolute share over recent months [36][38] Question: How is the company addressing consumer affordability? - Management emphasized that value, defined as price over integrated performance, is central to their strategy, with a focus on optimizing price points and product offerings across all tiers [50][51] Question: What is the outlook for the rest of the world, particularly in Western Europe and Latin America? - Management described Western Europe as having similar dynamics to North America, while Latin America continues to show strong growth, particularly in Brazil and Mexico [72][73]

Sanofi (NasdaqGS:SNY) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Speaker0Hello, everyone. This is Thomas Gustlarten from the Sanofi IR team. Welcome to the Q3 twenty twenty five Conference Call for Investors and Analysts. As usual, you can find the slides on synovi.com. Please turn to Slide number three.Here, we have the usual forward looking statements. We would like to remind you that information presented in this call contains forward looking statements that are subject to substantial risks and u ...

Booz Allen (NYSE:BAH) Q2 2026 Earnings Call October 24, 2025 08:00 AM ET Company ParticipantsMatt Calderone - EVP and CFODustin Darensbourg - Head of Investor RelationsSheila Kahyaoglu - Managing Director in Equity ResearchGavin Parsons - Director of Aerospace and Defense Equity ResearchMariana Mora - Managing DirectorHoracio Rozanski - Chairman, CEO and PresidentKristine Anderson - EVP and COOTobey Sommer - Managing DirectorConference Call ParticipantsColin Canfield - VP and Equity Research AnalystLouie Di ...

Flagstar Financial (NYSE:FLG) Q3 2025 Earnings Call October 24, 2025 08:00 AM ET Company ParticipantsDavid Smith - VP of Banks Equity ResearchLee Smith - CFOChristopher Marinac - Director of ResearchMatthew Breese - Managing DirectorSalvatore DiMartino - Director of Investor RelationsJared Shaw - Managing DirectorManan Gosalia - Head of US Midcaps Banks ResearchMark Fitzgibbon - Head of FSG ResearchJon Arfstrom - Associate Director of US ResearchChris McGratty - Managing DirectorEbrahim Poonawala - Head of ...

Booz Allen (NYSE:BAH) Q2 2026 Earnings Call October 24, 2025 08:00 AM ET Company ParticipantsMatt Calderone - EVP and CFODustin Darensbourg - Head of Investor RelationsSheila Kahyaoglu - Managing Director in Equity ResearchGavin Parsons - Director of Aerospace and Defense Equity ResearchMariana Mora - Managing DirectorHoracio Rozanski - Chairman, CEO and PresidentKristine Anderson - EVP and COOTobey Sommer - Managing DirectorConference Call ParticipantsColin Canfield - VP and Equity Research AnalystLouie Di ...

Flagstar Financial (NYSE:FLG) Q3 2025 Earnings Call October 24, 2025 08:00 AM ET Company ParticipantsLee Smith - CFOMatthew Breese - Managing DirectorChristopher Marinac - Director of ResearchSalvatore DiMartino - Director of Investor RelationsJared Shaw - Managing DirectorJoseph Otting - Chairman, President and CEOManan Gosalia - Head of US Midcaps Banks ResearchMark Fitzgibbon - Head of FSG ResearchJon Arfstrom - Associate Director of US ResearchDavid Smith - VP of Banks Equity ResearchChris McGratty - Ma ...