Charles River Laboratories 3Q 2025 Results © 2025 Charles River Laboratories International, Inc. Safe Harbor Caution Concerning Forward-Looking Statements. This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "anticipate," "believe," "expect," "intend," "will," "may," "estimate," "plan," "outlook," and "project" and other similar expressions that predict or in ...

Champion Homes (NYSE:SKY) Q2 2026 Earnings Call November 05, 2025 08:00 AM ET Speaker0Good morning. Thank you for taking the time to join us for today's conference call and review of our business results for the second quarter ended September 27, 2025. Here to review our results are Tim Larson, Champion Homes President and Chief Executive Officer, and Laurie Hough, Executive Vice President, Chief Financial Officer, and Treasurer. Yesterday, after the market closed, we issued our earnings release. As a remin ...

Humana (NYSE:HUM) Q3 2025 Earnings Call November 05, 2025 08:00 AM ET Speaker3Good day, and thank you for standing by. Welcome to the Humana Third Quarter Earnings 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 this session, you'll need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 ...

Bank of America's Strategic Priorities - Bank of America aims to drive organic growth while managing risk and expenses to deliver industry-leading shareholder value through strong profitability and capital management[6, 64] - The company focuses on executing a customer and client-focused model leveraging industry-leading platforms across integrated world-class businesses[6] - Bank of America emphasizes technology leadership fueled by continuous investments in both high-tech and high-touch capabilities[6] Financial Performance and Targets - Bank of America's Consumer Banking segment reported $108 billion in net income in 2024 with a 25% return on average allocated capital[76] - The Global Wealth & Investment Management (GWIM) segment had $43 billion in net income in 2024 with a 23% return on average allocated capital[207] - The Global Banking segment's net income was $81 billion in 2024 with a 17% return on average allocated capital[320] - The Global Markets segment's net income was $56 billion in 2024 with a 12% return on average allocated capital[552] Growth and Innovation - Bank of America is investing over $100 billion in technology over the past decade, including $15 billion+ in data capabilities since 2021[43] - The company is expanding its footprint in growth markets, with plans for 6 additional markets through 2028[161] - Bank of America is leveraging AI to drive innovation and improve productivity, with investments in Erica and AI-enabled processes[43]

Business and Operational Risks The Company's ten largest customers represented a significant portion of the Company's 2024 revenue and the loss of all or a substantial portion of revenue from these customers could have a material adverse effect on the Company's business. A material disruption at any of the Company's manufacturing plants could prevent the Company from meeting customer demand, reduce sales and profitability, increase the cost of production and capital needs, or otherwise materially adversely ...

Q3 2025 Earnings Report 5 November 2025 ©2025 Sabre GLBL Inc. All rights reserved. 1 Forward-looking statements Forward-looking Statements Certain statements herein are forward-looking statements about trends, future events, uncertainties and our plans and expectations of what may happen in the future. Any statements that are not historical or current facts are forward-looking statements. In many cases, you can identify forward-looking statements by terms such as "outlook," "pro forma," "believe," "momentum ...

AVANOS Q3 2025 Earnings Presentation November 5, 2025 Getting patients back to the things that matter. Chief Executive Officer Q3 Overview & Business Update Scott Galovan SVP, Chief Financial Officer Dave Pacitti Q3 Results & 2025 Planning Assumptions SONANOS DISCLAIMER REGARDING FORWARD-LOOKING STATEMENTS Certain matters in this presentation, including expectations and planning assumptions, any comments about our expected performance, and any estimates, projections, or state relating to our business plans, ...

Lemonade (NYSE:LMND) Q3 2025 Earnings Call November 05, 2025 08:00 AM ET Speaker3Good morning and thank you all for attending the Lemonade Q3 2025 earnings call. My name is Breca and I'll be your moderator for today. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. I will now hand over to the Lemonade team to begin.Good morning and welcome to Lemonade's third quarter 2025 earnings call. Joining us on our call today we have Daniel S ...

Itaú Unibanco (NYSE:ITUB) Q3 2025 Earnings Call November 05, 2025 08:00 AM ET Speaker1Hello. Good morning everyone. My name is Gustavo and it is a pleasure to have you joining us for our third quarter of 2025 earnings video conference. As always, Milton will walk you through our performance and afterwards we'll open the floor for a Q and A session where analysts and investors will be able to interact directly with us. Before handing over to Milton, I would like to share a few instructions to help you make t ...

Financial Data and Key Metrics Changes - In Q3 2025, the company achieved 13% adjusted EBITDA growth and 15% adjusted EPS growth, both excluding reportable catastrophes [4][5] - The full-year adjusted EPS growth is now expected to be in the low double digits, with adjusted EBITDA growth approaching 10%, a significant increase from initial expectations [5][25] - The liquidity position at the end of the quarter was $613 million, allowing for continued investment and shareholder returns [23] Business Line Data and Key Metrics Changes - Global Lifestyle adjusted EBITDA increased 12% year-over-year, driven by double-digit growth in Connected Living and Global Automotive [19] - In Connected Living, earnings increased 11%, supported by a new card benefits program and subscriber growth in mobile with 2.1 million net additions year-over-year [19][20] - Global Housing's adjusted EBITDA was $256 million, with a 13% increase excluding catastrophes, benefiting from favorable non-catastrophe loss experience and strong lender-placed results [22][12] Market Data and Key Metrics Changes - The company continues to see strong performance in the housing market, with an 8% year-over-year increase in policy counts, driven by favorable market conditions [66] - The voluntary market has hardened, contributing to policy growth and improved placement rates [66] - The company has maintained a strong market position in lender-placed insurance, holding over 60% market share [63] Company Strategy and Development Direction - The company is focused on expanding offerings and increasing attachment rates with existing partners while prioritizing investments in core markets [16] - Strategic investments in technology and operational efficiencies are expected to drive improved margins and customer experiences [12][14] - The company plans to launch a new program in an adjacent business in early 2026, which is anticipated to create long-term growth opportunities [79] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to continue creating value for stakeholders, driven by strong momentum across Global Lifestyle and Global Housing [17][28] - The company is well-positioned for future growth, with expectations of continued expansion in 2025 across its global housing, Connected Living, and global automotive businesses [15][16] - Management acknowledged the potential impact of a softening housing market but noted that the company could benefit from countercyclical trends [36] Other Important Information - The company returned $122 million to shareholders in Q3, including $81 million in share repurchases and $41 million in dividends [23] - The company completed the issuance of $300 million in senior notes, demonstrating strong demand for its investment-grade bonds [23][24] Q&A Session Summary Question: Can you expand on the strong pipeline in housing? - Management noted strong momentum across housing, with significant investments in technology and operational capabilities leading to growth opportunities [32] Question: Is the improved loss performance in Global Auto sustainable? - Management expressed satisfaction with the stable loss performance and improvements in vehicle service contracts, indicating a positive outlook [34] Question: How might a softening housing market affect top-line prospects? - Management acknowledged the benefits from a challenging voluntary market but indicated that a downturn could lead to increased placement rates [36] Question: What impact are the new partnerships in Connected Living expected to have? - Management indicated that the reverse logistics and Geek Squad deals will begin contributing in 2026, with ongoing investments expected to positively impact EBITDA [47] Question: How does the company plan to approach capital deployment in 2026? - Management highlighted a balanced approach to capital deployment, with expectations for continued investments in organic growth and M&A opportunities [50][52] Question: What are the notable drivers supporting recent housing results? - Management ranked policy growth as the primary driver, followed by placement rates and AIV increases, indicating a strong outlook for continued growth [65]