Gold Fields (NYSE:GFI) H2 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsAdrian Hammond - Executive DirectorAlex Dall - CFOChris Gratias - EVP of Strategy, Planning and Corporate DevelopmentJongisa Magagula - EVP of Investor Relations and Corporate AffairsMike Fraser - CEOConference Call ParticipantsChris Nicholson - Equity AnalystRené Hochreiter - Partner and AnalystMike FraserGood afternoon, good morning, and good evening for those that have joined the presentation of our financial y ...

Bandwidth (NasdaqGS:BAND) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsArjun Bhatia - Co-Group Head for Technology, Media, and CommunicationsDaryl Raiford - CFODavid Morken - Chairman and CEOJohn Bell - Chief Product OfficerPatrick Walravens - Managing Director and Director of Technology ResearchSarah Walas - VP of Investor RelationsConference Call ParticipantsErik Suppiger - Senior Research AnalystJoshua Reilly - Senior Research AnalystOperatorGood day, and welcome to the Bandwid ...

LKQ (NasdaqGS:LKQ) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsJoe Boutross - VP of Investor RelationsJustin Jude - President and CEORick Galloway - Senior VP and CFOConference Call ParticipantsBret Jordan - Equity Research AnalystCraig Kennison - Senior AnalystGary Prestopino - Equity Research AnalystJash Patwa - Equity Research AnalystJohn Babcock - Equity Research AnalystScott Stember - Senior Research AnalystNone - AnalystOperatorHello, everyone, and thank you for joining the ...

Financial Data and Key Metrics Changes - In-force premium grew to $1.24 billion, up 31% year-over-year, marking nine consecutive quarters of accelerating growth [5][11] - Revenue increased by 53% to $228 million, significantly outpacing in-force premium growth [13] - Gross profit rose 73% year-over-year to a record $111 million, with adjusted gross profit increasing 69% to $112 million [6][12] - Adjusted EBITDA loss narrowed to $5 million, representing a $19 million improvement year-over-year [6][17] - Positive adjusted free cash flow of $37 million was generated in Q4, marking the second consecutive year of cash reserves growth [6][14] Business Line Data and Key Metrics Changes - Customer growth was 23%, with approximately 550,000 new customers added in 2025, a 35% increase from the previous year [11] - Gross loss ratio reported at 52%, with favorable prior period development contributing positively [11][12] - Annual dollar retention remained stable at 85%, reflecting ongoing efforts in the home business [14] Market Data and Key Metrics Changes - Pet and car insurance segments are experiencing hypergrowth, with in-force premium growth in the 50s and Europe in the triple digits [7][20] - The autonomous car insurance product is expected to significantly impact future growth, with pricing based on real-time data from vehicles [9][10] Company Strategy and Development Direction - The company is focused on leveraging AI technologies to enhance go-to-market operations, pricing, and cross-selling capabilities [7][8] - The launch of Lemonade Autonomous Car aims to redefine auto insurance pricing based on driving behavior rather than traditional proxies [9][10] - The company plans to continue expanding its autonomous car product across the U.S., targeting a majority of the population by 2027 [21] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about achieving EBITDA profitability in Q4 2026 and for the full year of 2027 [6][17] - The company is committed to maintaining a strong LTV to CAC ratio while investing in growth initiatives [28][29] - Management believes that the evolving insurance landscape due to AI will create new opportunities despite potential market contractions [24][25] Other Important Information - The company ended the quarter with approximately $1.1 billion in cash and investments, with $250 million held as regulatory surplus [14] - Operating expenses increased by 24% year-over-year, primarily due to growth spending [15][16] Q&A Session Summary Question: Improvement in marketing efficiency and EBITDA guidance - Management acknowledged the improvement in marketing efficiency and indicated that growth spending would continue to increase in 2026, reflecting optimism about future growth [26][28][29] Question: Target for premiums to surplus and operational leverage - Management confirmed expectations for positive EBITDA in Q4 2026 and the full year of 2027, with ample surplus to support ambitious growth rates [36][38][39] Question: Integration of AI tools like ChatGPT - Management stated that while they currently use their own AI for customer interactions, they are open to exploring integrations with tools like ChatGPT in the future [42][46][47] Question: Future of car insurance pricing models - Management indicated that both variable and fixed pricing models will be offered, with a focus on precision pricing based on real-time data [48][49] Question: Strategic initiatives and cross-selling - Management highlighted the importance of cross-selling and the potential for significant future ROI from investments in pricing and underwriting capabilities [52][55][56] Question: Opportunity from Tesla's FSD initiative - Management expressed optimism about the partnership with Tesla and the potential for autonomous driving to enhance their pricing model, while refraining from commenting on Tesla's specific goals [57][58]

Insmed (NasdaqGS:INSM) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsBryan Dunn - Head of Investor RelationsJason Zemansky - VPMartina Flammer - CMOSara Bonstein - CFOSteven Willey - Managing DirectorWill Lewis - Chair and CEOConference Call ParticipantsAdam Walsh - Managing Director and Senior Biotechnology Equity Research AnalystGavin Clark-Gartner - Managing Director and Biotechnology Equity Research AnalystGreg Silvanouve - VP and Equity Research AnalystJessica Fye - Managing D ...

CRH (NYSE:CRH) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsAdrian Huerta - DirectorAngel Castillo - Executive DirectorDavid MacGregor - PresidentJim Mintern - CEOKathryn Thompson - CEO and Founding PartnerNancy Buese - CFORandy Lake - COOTom Holmes - Head of Investor RelationsConference Call ParticipantsKeith Hughes - Managing Director and Research AnalystMichael Feniger - Senior AnalystShane Carberry - Research AnalystOperatorGood day, and welcome to the CRH fourth quarter and f ...

CenterPoint Energy (NYSE:CNP) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsAndrew Weisel - Managing DirectorAnthony Crowdell - Managing DirectorBen Vallejo - VP of Investor RelationsDavid Arcaro - Executive Director, Equity ResearchJason P. Wells - Chair​, President, and CEONicholas Campanella - DirectorShar Pourreza - Managing Director and Head of North American Power, Infrastructure and Utilities​Christopher Foster - EVP and CFOConference Call ParticipantsJeremy Tonet - Research ...

Walmart (NYSE:WMT) Q4 2026 Earnings call February 19, 2026 08:00 AM ET Company ParticipantsChris Nicholas - EVP and COODavid Guggina - EVP and Chief eCommerce OfficerJoe Feldman - Senior Managing Director, Assistant Director of Research, and Founding MemberJohn David Rainey - CFOJohn Furner - CEOLatriece Watkins - EVP and Chief Merchandising OfficerSteph Wissink - SVP of Investor RelationsConference Call ParticipantsChristopher Horvers - Managing Director and Senior Equity Research AnalystChuck Grom - Manag ...

Americold Realty Trust (NYSE:COLD) Q4 2025 Earnings call February 19, 2026 08:00 AM ET Speaker7Welcome to Americold Realty Trust fourth quarter 2025 earnings call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note, this conference is being recorded. I will now turn the call over to Rich Leland, Vice Preside ...

Financial Data and Key Metrics Changes - In-force premium grew to $1.24 billion, up 31% year-over-year, marking nine consecutive quarters of accelerating growth [5][12] - Revenue increased by 53% to $228 million, significantly outpacing in-force premium growth [13] - Gross profit rose 73% year-over-year to a record $111 million, with adjusted gross profit increasing 69% to $112 million [6][13] - Adjusted EBITDA loss narrowed to $5 million, a $19 million improvement year-over-year [6][18] - Positive adjusted free cash flow of $37 million was generated in Q4, marking the second consecutive year of cash reserve growth [6][12] Business Line Data and Key Metrics Changes - Customer growth was 23%, with approximately 550,000 new customers added in 2025, a 35% increase from the prior year [12] - Gross loss ratio reported at 52%, with a favorable prior period development of 9% driven by home and car products [12][13] - Annual dollar retention remained stable at 85% [14] Market Data and Key Metrics Changes - Pet and car insurance segments are experiencing hypergrowth, with in-force premium growth in the 50s and Europe in triple digits [7][21] - The autonomous car insurance product is expected to significantly impact future growth, with pricing based on real-time data from vehicles [10][11] Company Strategy and Development Direction - The company is focused on leveraging AI technologies to enhance go-to-market operations, pricing, and cross-selling capabilities [8][9] - The autonomous insurance initiative, particularly for Lemonade Autonomous Car, is seen as a key growth driver [10] - The company aims to maintain a competitive advantage through its AI-first culture and technology-driven approach [23][25] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about achieving EBITDA profitability in Q4 2026 and for the full year of 2027 [6][41] - The company is committed to investing in R&D and enhancing its technology infrastructure to support future growth [35][36] - Management highlighted the importance of maintaining a strong LTV to CAC ratio while increasing growth spend [30][32] Other Important Information - The company ended the quarter with approximately $1.1 billion in cash and investments, with $250 million required as regulatory surplus [14] - Operating expenses increased by 24% year-over-year, primarily due to growth spending [14][15] Q&A Session Summary Question: Improvement in marketing efficiency and EBITDA guidance - Management indicated that the guidance reflects a strong track record and that they are optimistic about growth in 2026, with plans to reinvest marketing efficiency into growth initiatives [28][30][32] Question: Adjusted EBITDA profitability target and premium to surplus - Management confirmed expectations for positive EBITDA in Q4 2026 and the full year of 2027, with ample surplus to support ambitious growth rates [38][41][42] Question: Integration of AI tools like ChatGPT - Management stated that while they currently use their own AI for customer interactions, they are open to exploring other AI tools in the future [45][49] Question: Autonomous vehicle insurance product and pricing models - Management confirmed that they offer both pay-per-mile and fixed pricing models, emphasizing the precision of their pricing based on real-time data [50][52] Question: Strategic initiatives and cross-selling - Management highlighted the importance of cross-selling and the potential for multiple policies to drive growth, while also focusing on enhancing underwriting capabilities [55][57]