Dafinchi AI

AMRK

Financial Services

1mo

Depreciation and amortization expenses increased significantly due to intangible asset amortization from acquisitions.
Earnings from equity method investments turned negative, with losses of $0.8 million in Q4 and $2.8 million for the full year.
Fiscal year 2025 net income was $17.3 million with non-GAAP adjusted net income before income taxes of $53.1 million and diluted EPS of $0.71.
Full year gross profit increased 22% to $210.9 million or 1.92% of revenue, with higher profits from direct-to-consumer segment.
Interest income decreased 34% in Q4 and 4% for the full year, while interest expense increased 34% in Q4 and 17% for the full year.
Q4 2025 net income was $10.3 million with non-GAAP adjusted net income before income taxes of $19.2 million and diluted EPS of $0.41.
Q4 gross profit increased 90% to $81.7 million, representing 3.25% of revenue, driven by acquisitions.
SG&A expenses rose 135% in Q4 to $53.4 million due to compensation, advertising, consulting, and acquisition-related costs.

SMBK

Financial Services

3mo

Credit quality remained strong with NPAs at 0.19% of total assets and net charge-offs at 0.01% annualized.
Deposit growth was sound at 5% quarter-over-quarter annualized with noninterest-bearing deposits holding steady at 90% of total deposits.
Loan growth was strong at a 13% annualized pace for Q2, slightly ahead of expectations.
Net interest income expanded to $40.3 million, up $2.1 million from the prior quarter, driven by higher loan yields.
Net interest margin increased to 3.29%, an 8 basis point improvement over the previous quarter.
Operating expenses were $32.6 million, at the low end of guidance, with increases mainly from merit increases and incentive compensation.
Operating noninterest income rose by $300,000 to $8.9 million, exceeding projections due to insurance, mortgage banking, and capital markets revenues.
SmartFinancial posted net income GAAP and operating of $11.7 million or $0.69 per diluted share for Q2 2025.
Tangible book value increased to $24.42 per share including AOCI impact, representing over 13% annualized quarter-over-quarter growth.

PRG

Financial Services

Consolidated adjusted EBITDA was $67 million, or 11.3% of revenue, up from $63.5 million in 2024.
Four Technologies delivered eighth consecutive quarter of triple-digit GMV and revenue growth, generating $11.1 million adjusted EBITDA year-to-date with 23% margin.
Non-GAAP diluted EPS of $0.90 exceeded guidance range of $0.70 to $0.75, marking the third consecutive earnings beat this year.
Progressive Leasing GMV declined 10% year-over-year to $410.9 million, but adjusted for Big Lots and tightening, underlying GMV grew mid-single digits.
Progressive Leasing gross margin expanded by approximately 80 basis points year-over-year to 32%.
Q3 2025 consolidated revenue was $590.1 million, slightly down year-over-year due to Big Lots bankruptcy and smaller lease portfolio.
Q3 Progressive Leasing EBITDA was $64.5 million or 11.6% of revenue, within the 11%-13% margin target.
Write-offs improved to 7.4%, within targeted 6% to 8% annual range, showing sequential and year-over-year improvement.

AFRM

Financial Services

1mo

95% of transactions in the quarter came from repeat borrowers, indicating strong customer retention.
Affirm set new records in most key metrics during fiscal Q4 2025, an unusual achievement for a non-peak quarter.
Funding capacity increased roughly 55% year-over-year with utilization significantly down, reflecting a favorable capital market environment.
Growth is accelerating with strong momentum in U.S. and Canadian consumer originations and repayments.
Monthly 0% APR loans grew north of 90% year-over-year, showing strong adoption of promotional financing.
Revenue less transaction cost (RLTC) take rate is expected to remain stable in the 3% to 4% range, with guidance at the high end.
The Affirm Card volume reached $1.2 billion with a 10% attach rate and a tripling of 0% volume on the card.

MKL

Financial Services

2mo

$1.1 billion

In the second quarter of 2025, consolidated operating income was $1.1 billion versus $410 million in the same period one year ago.

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