LendingClub (NYSE:LC) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Company ParticipantsArtem Nalivayko - VP, Head of FPandA, and Investor RelationsDavid Scharf - Managing DirectorDrew LaBenne - CFOGiuliano Bologna - Managing DirectorJohn Hecht - Managing DirectorKyle Joseph - Managing Director and Senior Equity ResearchScott Sanborn - CEOVincent Caintic - Managing DirectorConference Call ParticipantsTimothy Switzer - VP and Senior Equity Research AnalystOperatorLadies and gentlemen, thank you for join ...

SEI Investments (NasdaqGS:SEIC) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Speaker6Hello, and thank you for standing by. Welcome to SEI Fourth Quarter 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, ...

Raymond James Financial (NYSE:RJF) Q1 2026 Earnings call January 28, 2026 05:00 PM ET Speaker8Good evening, and welcome to Raymond James Financial's Fiscal First Quarter 2026 earnings call. This call is being recorded and will be available for replay for 30 days on the company's investor relations website. I'm Christie Waugh, Senior Vice President of Investor Relations. Thank you for joining us. With me on the call today are Chief Executive Officer, Paul Shoukry, and Chief Financial Officer, Butch Oorlog. T ...

Deluxe (NYSE:DLX) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Speaker5Ladies and gentlemen, thank you for standing by, and welcome to the Deluxe Quarterly Earnings Conference Call. All participants are currently in a listen-only mode, and today's call is being recorded. At this time, I would like to turn the conference over to your host, Vice President of Strategy and Investor Relations, Brian Anderson. Please go ahead.Speaker1Thank you, operator, and welcome to the Deluxe Fourth Quarter and Full Yea ...

Fair Isaac (NYSE:FICO) Q1 2026 Earnings call January 28, 2026 05:00 PM ET Speaker11day, and thank you for standing by. Welcome to the first quarter 2026 FICO earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, we'll open up for questions. To ask a question during the session, you need to press star one one on your telephone. You'll then hear an automated message advising your hand is raised. To withdraw your question, please press star one on ...

Financial Data and Key Metrics Changes - Consolidated net sales for the second quarter were $149.9 million, impacted by lower consumer confidence and traffic due to the government shutdown, with retail written orders declining by 17.9% and wholesaler orders down 19.3% year-over-year [7][10] - Consolidated gross margin improved to 60.9%, up 60 basis points from the previous year, attributed to a favorable sales mix and reduced headcount [8][10] - Adjusted operating income was $13.5 million, with an operating margin of 9%, compared to 5.4% in the same quarter of 2019 [8][9] - Adjusted diluted EPS was $0.44, with an effective tax rate of 25.3% [10] Business Line Data and Key Metrics Changes - Retail written orders experienced a decline of 17.9%, while wholesaler orders decreased by 19.3%, reflecting a challenging comparison to the previous year [7][10] - The wholesale backlog at the end of the quarter was $49.8 million, influenced by a lower volume of contract orders [8] Market Data and Key Metrics Changes - Design center traffic declined by 11%, contributing to the overall decrease in demand [7] - Positive written order growth was observed in January, indicating a potential recovery in consumer behavior [7] Company Strategy and Development Direction - The company aims to strengthen its vertically integrated structure, focusing on product development, marketing, and logistics [14][16] - Approximately 75% of furniture is manufactured in North America, providing a competitive advantage and mitigating tariff exposure [12][13] - Increased marketing spend by 25%, primarily in digital media, is expected to yield future benefits despite not fully impacting the second quarter [15][36] Management's Comments on Operating Environment and Future Outlook - Management noted that the government shutdown significantly impacted results, but there are signs of recovery with improved traffic and orders in January [5][20] - The company is optimistic about maintaining strong gross margins due to disciplined expense management and operational improvements [22] Other Important Information - The company has a robust balance sheet with total cash and investments of $179.3 million and no debt [10][11] - A quarterly cash dividend of $10 million was declared, reflecting the company's commitment to returning value to shareholders [11] Q&A Session Summary Question: Retail written orders trends during the quarter - Management indicated that retail written orders averaged a decrease of 18% during the quarter, with a stronger start in October that decelerated due to the government shutdown and tough prior year comparisons [18][19] Question: Improvement in contract side of the business post-government shutdown - Management confirmed that new orders are coming in, albeit at a lower rate than the previous year, with a gradual increase observed [20] Question: Sustainability of gross margins moving forward - Management expressed confidence in maintaining gross margins due to improvements in talent and technology across operations [22] Question: Impact of tariffs and mitigation strategies - Management outlined a three-pronged approach to mitigate tariff impacts, including vendor cost sharing, sourcing diversification, and selective retail price increases [29][30] Question: January trends and consumer behavior - Management attributed improved trends in January to returning consumer confidence and effective engagement by interior designers [33] Question: Future marketing spend and its effectiveness - Management plans to continue focusing on digital marketing while reducing spending in other areas, emphasizing the importance of adapting to changing marketing mediums [36]

LendingClub (NYSE:LC) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Speaker6Ladies and gentlemen, thank you for joining us, and welcome to the LendingClub Q4 2025 Earnings Conference Call. After today's prepared remarks, we will host a question-and-answer session. If you would like to ask a question, please raise your hand. If you have dialed into today's call, please press star nine to raise your hand and star six to unmute. I will now hand the conference over to Artem Nalyvailo, Head of Investor Rela ...

Financial Data and Key Metrics Changes - IBM achieved a revenue growth of 6% in 2025, the highest level in many years, and generated $14.7 billion in free cash flow, the highest in over a decade [4][17] - The company reported a 12% growth in operating diluted earnings per share and a 17% growth in Adjusted EBITDA [17][24] - Operating pre-tax margin expanded by 100 basis points, reflecting strong execution and a favorable portfolio mix [17][24] Business Line Data and Key Metrics Changes - Software revenue grew 9% in 2025, with three of four sub-segments delivering double-digit growth rates [5][18] - Infrastructure revenue increased by 10%, driven by the successful launch of the z17 mainframe [18] - Consulting revenue grew 1%, reflecting increased demand for AI services [8][21] Market Data and Key Metrics Changes - Data solutions grew by 19%, driven by demand for GenAI products [20] - Automation solutions saw a growth of 14%, with record bookings for HashiCorp [20] - Red Hat's revenue growth decelerated to 8%, impacted by delays in U.S. federal business deal activity [20] Company Strategy and Development Direction - IBM is focused on becoming a software-led hybrid cloud and AI platform company, with significant investments in innovation and productivity initiatives [4][10] - The company aims to sustain revenue growth of 5%+ in 2026, with a strong emphasis on its software business, expected to grow by 10% [28][34] - Strategic acquisitions, such as Confluent, are seen as key to enhancing IBM's hybrid cloud and automation solutions [10][32] Management's Comments on Operating Environment and Future Outlook - Management noted that client demand remains resilient, particularly in hybrid cloud, AI, and mission-critical infrastructure [6][16] - The company expressed confidence in sustaining growth momentum, with expectations for free cash flow to increase by about $1 billion in 2026 [28][34] - Management highlighted the importance of productivity initiatives, which have already exceeded initial targets [11][33] Other Important Information - IBM's cumulative GenAI book of business reached over $12.5 billion, with significant contributions from both software and consulting [9][31] - The company is advancing its quantum computing initiatives, with plans to deliver a large-scale, fault-tolerant quantum computer by 2029 [15][16] Q&A Session Summary Question: Insights on software growth acceleration - Management expressed confidence in organic growth within the software segment, driven by increased demand for automation and data solutions [40][46] Question: Free cash flow performance and guidance - Management attributed the strong free cash flow performance in 2025 to revenue growth and operating leverage, with a guidance of $15.7 billion for 2026 [49][52] Question: Red Hat's growth trajectory - Management acknowledged the challenges in Red Hat's growth but emphasized the strategic value and ongoing demand for its offerings [57][60]

ServiceNow (NYSE:NOW) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Speaker2Thank you for standing by. At this time, I would like to welcome everyone to the Q4 and full year 2025 ServiceNow earnings conference call. 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 1 on your telephone keypad. If you would like to withd ...

Century Communities (NYSE:CCS) Q4 2025 Earnings call January 28, 2026 05:00 PM ET Speaker6Welcome to the Century Communities fourth quarter and full year 2025 earnings conference call. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. Please note that this conference call is being recorded. I will now turn the conference over t ...