Financial Performance - Q2 FY26 - Revenue decreased from $1.818 billion in FY25 to $1.769 billion in FY26[13], a decrease of approximately 2.7% - Adjusted EBITDA increased from $170 million in FY25 to $185 million in FY26[14], representing an increase of approximately 8.8% - Adjusted Diluted EPS increased significantly from $2.05 in FY25 to $3.63 in FY26[15] - Free Cash Flow decreased from $241 million in FY25 to $150 million in FY26[16] Fiscal Year 2026 Guidance - Revenue guidance is revised downwards to $7.250 billion - $7.325 billion, compared to the prior guidance of $7.60 billion - $7.75 billion[19] - Organic growth is expected to be approximately -2% to -3%[19] - Adjusted EBITDA is projected to be $680 million - $690 million, with a margin of 9.3% - 9.5%[19] - Adjusted Diluted EPS is expected to be $9.40 - $9.60[19] - Free Cash Flow is projected to be greater than $550 million[19] Business Development - The company is navigating near-term revenue pressure due to a challenging environment for on-contract growth and new business award delays [5] - The company is implementing cost efficiency initiatives, including artificial intelligence, to drive greater efficiency and leverage investments [5]

General Information - Hyatt recently opened Park Hyatt Johannesburg in July 2025[1] - The presentation contains forward-looking statements subject to risks and uncertainties[2] Forward-Looking Statements Disclaimer - Actual results may differ materially from those expressed or implied due to various factors, including economic conditions, supply chain constraints, and geopolitical events[2] - The company is not obligated to update forward-looking statements[2]

First Quarter 2026 Earnings Review NON-GAAP FINANCIAL MEASURES Wiley provides non-GAAP financial measures and performance results such as: Management believes non-GAAP financial measures, which exclude the impact of restructuring charges and credits and certain other items, and the impact of divestitures and acquisitions provide a useful comparable basis to analyze operating results and earnings. See the reconciliations of non-GAAP financial measures and explanations of the uses of non-GAAP measures in the ...

Financial Performance - Q2 2025 - Sales decreased to $659 million, a 3.6% decrease compared to $683 million in 2Q24[19, 16] - Adjusted Earnings Per Share (EPS) decreased to $0.35, compared to $0.85 in 2Q24[19, 16] - Gross margin was 43.4%, down 210 bps compared to 2Q24[19] - Inventory increased by 5% compared to 2Q24[19] - Adjusted EBITDA was $163 million[19] Segment Performance - **Famous Footwear:** Sales were $400 million, down 4.9% year-over-year, with comparable sales down 3.4%[26] Gross margin was 43.7%, down 130 bps year-over-year[26] - **Brand Portfolio:** Sales were $276 million, down 3.5% compared to 2Q24, including a $10 million impact from tariffs[21] Gross margin was 40.3%, down 240 bps compared to 2Q24[22] Outlook - Famous Footwear expects comparable sales to be up 1% in August, down low-single digits in September and October[30] - The Brand Portfolio expects Q3 gross margin to be down similar to Q2, with Q4 trends improving as mitigation strategies benefit[30] Strategic Initiatives - The company achieved $15 million in annualized, structural savings[14] - The company is partnering with a consulting firm to explore additional structural cost savings across the portfolio[30]

Financial Performance - Q2 2025 - Net income was $1.3 million, compared to a net loss of $2.0 million in the prior year's second quarter[10] - Reported EPS was $0.04, with adjusted EPS at $0.03, after adjusting for restructuring charges of $0.7 million (net of tax) and a tax valuation allowance of ($0.9) million[10] - Adjusted EBITDA increased by $1.5 million year-over-year to $12.0 million, representing 9.1% of net sales[10] - Inventory decreased by $20.7 million, a 12.2% reduction compared to the previous year[10] Balance Sheet and Liquidity - Cash and cash equivalents totaled $5.7 million, with net liquidity at $73.3 million[10] - Total debt stood at $32.5 million, resulting in a debt to capital ratio of 16.3%[17] Fiscal Year 2025 Outlook - The company is maintaining its fiscal year 2025 financial guidance, with an adjusted EBITDA range of $20 to $25 million[10]

RESULTS PRESENTATION 3Q25 | 9M25 André Guillaumon CEO Ana Paula Zerbinati IR and Capital Market Head Gustavo Lopez CFO & IRO 9M25 EARNINGS CALL PORTUGUÊS Essa videoconferência será em português, com tradução simultânea para o inglês. Alteração de Idioma: para acessar a tradução simultânea, clique no botão Interpretation, na parte inferior direita da tela, e escolha o idioma "Inglês". Para fazer perguntas: clique no ícone Q&A e escreva seu nome e empresa ou levante a mão para entrar na fila. Ao ser anunciado ...

Nasdaq: CRMT Q1 FY'26 Supplemental Slides AMERICA'S CAR-MART, INC. September 4, 2025 Disclaimers This presentation has been prepared as a supplement to the Company's earnings announcement for the first quarter of fiscal year 2026 and does not purport to be all-inclusive or to contain all of the information regarding the Company. The information and data contained herein should be read in conjunction with, and not in lieu of, the Company's annual, quarterly and other reports filed with the Securities and Exc ...

Financial Performance and Targets - The company is committed to reaching 5-7% organic sales growth[25, 54, 59, 92, 339, 404] - The company has confidence in achieving a 20% operating income (OI) margin by 2027[25, 54, 95, 103, 335, 342, 405] and is aiming to move beyond this target[99, 336, 395] - The company projects adjusted EPS growth of 12-15%[54, 103, 376, 403] - The company's 2025 adjusted EPS is projected to be $752[53] - The company's 2024 sales reached $16 billion[51, 66, 78, 116, 384] with a compound annual growth rate (CAGR) of 6%[51, 60, 93, 400] Growth Drivers and Opportunities - The company has a $60 billion growth opportunity with existing customers[37, 78, 113, 116, 152, 384] - The company identifies a $35 billion opportunity with its top 35 customers[79, 117, 119, 124, 385] - The company's growth engines, including Pest Elimination, Life Sciences, Global High-Tech, and Ecolab Digital, are expected to drive growth[60, 63, 67, 84, 351, 387] - The company's Ecolab Digital is projected to have $380 million in sales in 2025[85, 90, 351, 387] Strategic Initiatives - The company is focused on "One Ecolab" to drive faster growth and best-in-class performance[39, 65, 68, 76, 77, 112, 118, 125, 154, 182, 214, 356] - The company is leveraging AI to fuel growth and improve productivity, with projected savings of $140 million through Agentic AI[39, 119, 357] - The company is acquiring Ovivo Electronics to strengthen its Global High-Tech growth engine[86]

Financial Performance - Total assets reached $5.48 billion, a 21% increase year-over-year[6, 11] - Credit assets totaled $4.78 billion, up 18% year-over-year and 6% sequentially[6, 7, 11, 18] - Total revenue was $31.6 million, representing a 17% year-over-year increase and a 5% sequential increase[6, 14, 15] - Adjusted net income was $9.7 million, consistent with the previous year and up 11% sequentially[6, 14] - Adjusted EPS was $0.30, a 17% decrease year-over-year but a 7% increase sequentially[6, 14] Balance Sheet Strength - Cash and securities increased to $0.62 billion, a 55% increase year-over-year[11] - Book value per common share increased to $16.42, an 8% increase year-over-year[11] - CET1 ratio stood at 13.56%, an increase of 181 bps year-over-year[11] - Leverage ratio was 8.90%, an increase of 36 bps year-over-year[11] Segment Performance - Digital Banking Canada revenue was $26.619 million, a 6% increase year-over-year and a 4% sequential increase[15] - Digital Banking USA revenue was $3.116 million, a 25% sequential increase[15]

Company Overview - Ryerson's TTM revenue is $4.4 billion, with an adjusted EBITDA of $109 million and an adjusted EBITDA margin of 2.5%[6] - The company's market capitalization is $0.7 billion, and net debt is $479 million[6] - Ryerson aims for a mid-cycle EBITDA of $350-400 million through self-help actions[31] Market Position and Strategy - Ryerson is a leading metal solutions provider with a digital network across North America[9, 10] - The company focuses on improving customer experiences through innovation, integration, and supply-chain optimization[9] - Ryerson is working to increase transactional revenue to over 60% of its business and value-added revenue to 20%[32, 74] - The company is targeting an expense-to-sales ratio of 13-15%[32, 74] Financial Priorities - Ryerson aims to maintain a leverage ratio through the cycle of 0.5x to 2.0x[44, 47] - The company has $38 million remaining in its share repurchase authorization, expiring in April 2026[46] Capital Expenditures - Ryerson's LTM free cash flow generation is $137 million[68] - The company is investing in modernization and value-add initiatives, with capital expenditures of $50 million in 2025E[69]