Financial Performance - Net sales increased by 1% to $943.4 million compared to $931.8 million in Q3'24 [31] - Gross margin contracted by 20 bps to 50.0% [31, 52] - Operating income decreased by 40% to $67.4 million compared to $112.5 million in Q3'24 [31] - Diluted EPS decreased by 39% to $0.95 compared to $1.56 in Q3'24 [31] Regional Performance - US net sales decreased by 4% to $547 million [36] - EMEA net sales increased by 16% to $164 million [36] - LAAP net sales increased by 6% to $143 million [36] - Canada net sales increased by 6% to $89 million [36] Category and Channel Performance - Apparel, Accessories & Equipment net sales remained flat at $734 million [43] - Footwear net sales increased by 6% to $209 million [43] - Wholesale net sales increased by 5% to $634 million [48] - DTC net sales decreased by 5% to $309 million [49] Financial Outlook - The company expects net sales of $3.33 billion to $3.37 billion for 2025, representing a 1% decline to flat growth compared to 2024 [75] - The company expects diluted EPS of $2.55 to $2.85 for 2025, compared to $3.82 in 2024 [76]

Financial Performance - Net income available to A&B common shareholders for Q3 2025 was $143 million, or $020 per diluted share[1] - Commercial Real Estate (CRE) operating profit for Q3 2025 was $227 million[1] - Funds From Operations (FFO) for Q3 2025 was $214 million, or $029 per diluted share[6] - FFO related to CRE and Corporate for Q3 2025 was $217 million, or $030 per diluted share[6] Commercial Real Estate Operations - CRE Same-Store Net Operating Income (NOI) increased by 06%[6] - Leased occupancy as of September 30, 2025, was 956%[6] - Comparable blended leasing spreads for the improved portfolio were 44%[6] - The company executed 49 improved-property leases totaling approximately 163800 sq ft of GLA, representing $33 million of annualized base rent[12] - The company recognized selling profit of $26 million in connection with a tenant exercising its option to purchase three subdivided units at Kaka'ako Commerce Center[13] Future Outlook - The company is raising FFO guidance for the full year 2025[3]

Financial Performance - Q2 FY26 organic revenue growth was (4.2%) [21], exceeding guidance of (3.5%) – (4.5%) [21] - Adjusted EBIT margin for Q2 FY26 was 8.0% [21], also exceeding guidance of 6.5% – 7.5% [21] - Non-GAAP diluted EPS for Q2 FY26 reached $0.84 [22], surpassing guidance of $0.65 – $0.75 [22] - The company reported strong free cash flow of $240 million in Q2 FY26 [25], compared to $48 million in Q2 FY25 [25] Segment Results - CES (Consulting and Enterprise Solutions) revenue was $1,255 million with YoY organic revenue growth of (3.4%) [23] - GIS (Global Infrastructure Services) revenue amounted to $1,586 million with YoY organic revenue growth of (6.3%) [23] - Insurance segment revenue was $320 million, demonstrating YoY organic revenue growth of 3.6% [23] Balance Sheet and Guidance - Net debt decreased, with gross debt reduction from capital leases [28] - Full Fiscal Year 2026 guidance includes YoY organic revenue growth of (3.5%) – (4.5%) [33], adjusted EBIT margin of 7.0% – 8.0% [33], and Non-GAAP diluted EPS of $2.85 – $3.35 [33] - The company anticipates approximately $650 million in free cash flow for the full fiscal year 2026 [33]

Alkami Technology Third Quarter 2025 Alkami Technology, Inc. Proprietary Information. Cautionary Statement Regarding Forward-Looking Statements This presentation contains "forward-looking" statements relating to Alkami Technology, Inc.'s strategy, goals, future focus areas, and expected, possible or assumed future results, including its future cash flows and its financial outlook. These forward-looking statements are based on management's beliefs and assumptions and on information currently available to man ...

Financial Performance - Gross Profit reached $1.479 billion in Q3 2025, a 31% year-over-year increase[21, 81] - Adjusted Pre-Tax Income was $569 million in Q3 2025, up 35% year-over-year[27, 84] - Adjusted EPS increased to $5.20 in Q3 2025, a 25% year-over-year increase[25, 83] - The Adjusted Pre-Tax Margin was 38.4% in Q3 2025, a 1.2 percentage point increase year-over-year[23, 26] Assets and Growth - Total Advisory and Brokerage Assets reached $2.315 trillion in Q3 2025[13, 73] - Advisory Assets accounted for 58.2% of Total Assets in Q3 2025, a 2.2 percentage point increase year-over-year[13, 74] - Recruited Assets amounted to $32.6 billion in Q3 2025[15] - Organic Total Net New Assets (NNA) were $32.7 billion in Q3 2025[17] - The organic growth rate was approximately 7% in Q3 and approximately 12% over the past four quarters[17, 28] - Centrally Managed Assets grew to $203 billion in Q3 2025, with a 34% organic growth rate over the past 4 quarters[31] Client Cash and Payout - Client Cash decreased to 2.4% of total assets in Q3 2025[35, 52, 55] - Net Buy activity was $42 billion in Q3 2025[34, 55] - The Payout Rate was 87.5% in Q3 2025[36, 37] Expenses and Capital Management - The company lowered its 2025 Core G&A outlook range to $1.86 billion - $1.88 billion[59] - The company targets a leverage ratio between 1.5x and 2.5x[63, 64]

Q3 2025 Financial Results Conference Call Slides This presentation may contain forward-looking statements which are inherently difficult to predict. Actual results and outcomes could differ materially for a variety of reasons, including, among others, fluctuations in foreign exchange rates, changes in global economic conditions, tariff and trade policies, and customer demand and spending, inflation, interest rates, regional labor market constraints, world events, the rate of growth of the internet, online c ...

Financial Performance (GAAP) - Revenue for Q3 2025 was $3842 million, a 130% increase compared to $3398 million in Q3 2024[8] - Year-to-date revenue in 2025 reached $11220 million, a 120% increase from $10014 million in the same period of 2024[8] - Net income for Q3 2025 was $278 million, a decrease of 24% compared to $284 million in Q3 2024[8] - Earnings per share for Q3 2025 were $046, a decrease of 30% compared to $048 in Q3 2024[8] Financial Performance (Non-GAAP) - Non-GAAP revenue for Q3 2025 was $3662 million, a 78% increase compared to $3398 million in Q3 2024[9] - Non-GAAP year-to-date revenue in 2025 reached $10697 million, a 68% increase from $10014 million in the same period of 2024[9] - Non-GAAP net income for Q3 2025 was $549 million, a 74% increase compared to $512 million in Q3 2024[9] - Non-GAAP earnings per share for Q3 2025 were $092, a 67% increase compared to $086 in Q3 2024[9] Revenue Breakdown by Region (Q3 2025) - US revenue was $230597 thousand, an 117% increase from $206492 thousand in Q3 2024[11] - EMEA revenue was $71531 thousand, a 223% increase from $58474 thousand in Q3 2024[11] Fiscal Year 2025 Financial Guidance - Net sales are projected to be between $1502 billion and $1515 billion, representing an 11%-12% year-over-year increase[14] - Non-GAAP earnings per share are expected to be between $366 and $379, representing a 6%-10% year-over-year increase[14]

Q3 2025 Financial Results October 30, 2025 FORWARD-LOOKING STATEMENTS Some of the information we provide in this presentation regarding our future expectations, plans, guidance, and prospects may constitute forward-looking statements, including, without limitation, our guidance with respect to earnings and our KPIs contained in this presentation. Actual results may differ materially from these forward-looking statements due to various important factors, including fluctuations in the price of Bitcoin and the ...

Axos Q4 Fiscal 2025 Earnings Supplement July 30, 2025 NYSE: AX Loan Growth by Category | | | | | | $ Millions | | | --- | --- | --- | --- | --- | --- | --- | | | | | | Q4 FY25 | Q3 FY25 | Inc (Mar) | | | Single Family Mortgage & | Jumbo Mortgage | $ | 3,786 $ | 3,697 $ | 89 | | | Warehouse | SF Warehouse Lending | | 609 | 498 | 111 | | | Multifamily & Commercial | Multifamily | | 1,729 | 2,059 | (330) | | | Mortgage | Small Balance Commercial | | 1,212 | 1,281 | (69) | | | Commercial Real Estate | CRE Speci ...

Financial Performance - Total revenue reached $1.67 billion in 2024, demonstrating a 31% compound annual growth rate (CAGR)[12] - Q3 2025 revenue was $562 million[12] - The company's non-GAAP gross margin was 75% as of Q3 2025[14] - The company projects revenue of $2.142 to $2.143 billion for fiscal year 2025, representing a 28% year-over-year growth[83] - The company projects operating income of $297 to $298 million for fiscal year 2025, resulting in a 14% operating margin[83] Customer Growth - The company had 295,000 paying customers as of Q3 2025[14] - Large customers (>$100,000 annualized revenue) totaled 4,009 as of Q3 2025, representing a 25% CAGR[12] - Revenue from large customers accounted for 73% of the total revenue[14] - The dollar-based net retention rate was 114% in Q3 2025[69] Market and Network Scale - The company estimates its large addressable market to be $181 billion in 2025[60] - The company's network spans 330 cities[14] - The company blocks an average of 234 billion cyber threats per day[32]