Dafinchi AI

Remitly Global, Inc.

RELY

Financial Services

1w

Financial Performance Summary

Adjusted EBITDA was $64 million, representing a 16% margin and $18 million above the midpoint of guidance.
GAAP net income was $6.5 million, a significant improvement from a $12.1 million net loss in Q2 2024.
Marketing spend was $79.8 million, up 10.4% year-over-year but declined as a percentage of revenue to 19.4%.
Quarterly active customers increased 24% year-over-year to over 8.5 million.
Remitly reported Q2 2025 revenue of $411.9 million, up 34% year-over-year, exceeding guidance by $28 million.
Send volume grew 40% to $18.5 billion, with send volume per active customer increasing a record 12% year-over-year.
Stock-based compensation was $38.1 million, 9.2% of revenue, down 288 basis points from prior year.
Technology and development expenses grew 15% year-over-year but improved as a percentage of revenue.
Transaction expenses were $143.8 million or 34.9% of revenue, with provision for transaction losses at $28 million due to a fraud incident.

Americold Realty Trust, Inc.

COLD

Financial Services

1w

Financial Performance Summary

Americold reported Q2 2025 AFFO per share of $0.36, with first half performance largely in line with expectations.
Net debt stood at $3.9 billion with liquidity of approximately $937 million; net debt to pro forma core EBITDA was about 6.3x.
Rent and storage revenue from fixed commitment contracts remained at 60%, maintaining the record set in Q1 2025.
Same-store economic occupancy declined slightly in Q2, reflecting ongoing demand headwinds and a lack of typical seasonal uplift.
Same-store rent and storage revenue per economic occupied pallet increased approximately 1% year-over-year, while warehouse services revenue per throughput pallet increased by 4%.
Three planned exits of idled facilities generated $20 million in cash proceeds; minority interest in SuperFrio joint venture was exited for $28 million.

Encore Capital Group, Inc.

ECPG

Financial Services

1w

Financial Performance Summary

Earnings per share rose sharply by 86% to $2.49 compared to Q2 2024, driven by record collections and operational efficiency.
Encore Capital Group reported strong Q2 2025 financial results with portfolio purchases up 32% to $367 million and collections increasing 20% to a record $655 million.
Leverage improved slightly to 2.6x from 2.7x a year ago and remained flat compared to Q1 2025 despite increased portfolio purchases.
Net income increased 82% to $59 million, with operating expenses growing 15% to $291 million, reflecting onboarding of new portfolios.
Portfolio revenue increased 12% to $361 million, supported by a 14% growth in average receivable portfolios and improved portfolio yield of 35.5%.

Aflac Incorporated

AFL

Financial Services

1w

Financial Performance Summary

Aflac Japan saw a 23.2% year-over-year sales increase, driven by a 53% increase in cancer insurance sales, particularly from the Miraito product.
Aflac reported adjusted earnings per diluted share of $1.78 for Q2 2025, a 2.7% decrease year-over-year, with a $0.04 positive FX impact.
Aflac U.S. net earned premium increased 3.4%, with premium persistency rising to 79.2%.
Capital deployment included $829 million in share repurchases and $312 million in dividends, totaling $1.1 billion returned to shareholders.
Expense ratios improved in both Japan and U.S., with Japan's expense ratio at 20.6% and U.S. at 36.3%.
Japan's total benefit ratio improved by 40 basis points to 66.5%, and persistency increased to 93.7%.
Net earned premiums declined 4.8% in Japan but underlying earned premiums declined only 1.1%, indicating improving long-term premium trends.
Net earnings per diluted share were $1.11, reflecting solid results for the quarter and a strong first half of the year.
Strong capital ratios were maintained with SMR above 900%, regulatory ESR above 240%, and combined RBC greater than 600%.
U.S. total benefit ratio was 47.3%, slightly higher by 60 basis points due to business mix, with a pretax margin of 22.5%.