Dafinchi AI

EPR

Financial Services

AFFO for Q2 was $1.24 per share, up 3.3% from $1.20 in prior year.
Consolidated debt at quarter end was $2.8 billion with 86% fixed or swapped at blended coupon of ~4.3%.
FFO as adjusted for Q2 2025 was $1.26 per share, up 3.3% from $1.22 in prior year.
For the first half of 2025, FFO as adjusted was $2.45 per share, up 4.7% from $2.34 prior year; AFFO was $2.44 per share, up 4.7%.
G&A expenses increased to $13.2 million from $12 million due to higher payroll and franchise taxes.
Interest expense increased by $426,000 due to higher weighted average interest rate and additional borrowing.
Key credit ratios remain strong: fixed charge coverage at 3.3x, interest and debt service coverage at 3.9x, net debt to adjusted EBITDAre at 5.1x (5x adjusted), net debt to gross assets at 39%.
Liquidity strong with $13 million cash and $405 million drawn on $1 billion revolver.
Mortgage and other financing income increased by $1.9 million due to additional mortgage note investments.
Net proceeds from dispositions in Q2 totaled $35.6 million with a net gain of $16.8 million, excluded from FFO and AFFO.
Percentage rents increased to $4.6 million from $2 million prior year, primarily from one theater tenant.
Total revenue for Q2 was $178.1 million versus $173.1 million prior year, driven by rental revenue increase of $5.3 million and higher percentage rents.

EEFT

Financial Services

Consolidated operating margins expanded by more than 112 basis points over prior year.
Digital transactions in Money Transfer grew 29%, and digital payout product volume increased 20% year-over-year.
EFT segment revenue grew 6%, with operating income and adjusted EBITDA in line with prior year results.
Ended Q2 with $1.3 billion in unrestricted cash and $2.4 billion in debt, with cash decrease mainly due to stock repurchases.
epay segment grew revenue 5%, operating income 17%, and EBITDA 15% year-over-year.
Euronet delivered revenue of $1.1 billion, operating income of $159 million, adjusted EBITDA of $206 million, and adjusted EPS of $2.56 in Q2 2025.
Higher interest expense and income taxes impacted EPS by about $0.05 each in Q2.
Money Transfer revenue, operating income, and adjusted EBITDA grew 6%, 33%, and 28%, respectively.
Money Transfer segment achieved 33% constant currency operating income growth year-over-year despite macro uncertainties.

LMND

Financial Services

Adjusted free cash flow was $25 million, a more than tenfold increase compared to Q2 2024.
Gross loss ratio improved significantly to 67% in Q2 2025 from 79% in Q2 2024, with a trailing 12-month gross loss ratio of 70%, the best in company history.
Gross profit grew over 100% in Q2, with a gross margin of 39%, among the highest recorded.
Lemonade reported strong Q2 2025 financial results with 29% year-on-year growth in in force premium (IFP), marking the seventh consecutive quarter of growth acceleration.
Net loss narrowed to $44 million ($0.60 per share) from $57 million ($0.81 per share) in the prior year, and adjusted EBITDA loss improved slightly to $41 million from $43 million.
Operating expenses excluding loss and loss adjustment expense increased 21% to $129 million, driven by growth spend and a $12 million one-time tax refund benefit.
Revenue increased 35% year-over-year to $164 million, driven by gross earned premium growth, higher ceding commission rates, and a 16% increase in investment income.
Total cash, cash equivalents, and investments ended at approximately $1.03 billion, up $11 million from year-end 2024.

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