Financial Performance - Fourth quarter net income was $12.9 million, representing a 30.2% increase year-over-year, with diluted earnings per share of $1.30, up 32.7%[6] - Record quarterly total revenue was $169.7 million, up 9.6% from the prior-year period, primarily due to growth in average net finance receivables[7] - Total revenue for Q4 2025 was $169.702 million, a 9.6% increase from $154.832 million in Q4 2024[22] - Net income for Q4 2025 reached $12.909 million, reflecting a 30.2% increase compared to $9.914 million in Q4 2024[22] - Basic net income per share increased to $1.40 in Q4 2025, up 37.3% from $1.02 in Q4 2024[22] - Total revenue for Q4 25 reached $169,702 million, an increase of $14,870 million or 9.6% year-over-year[32] - Net income for Q4 25 was $12,909 million, reflecting a year-over-year increase of $2,995 million or 30.2%[32] Portfolio Growth - Total portfolio grew by 13.1% year-over-year to a record $2.1 billion, driven by strong performance from digital leads and the opening of 17 new branches in 2025[6] - Record total originations reached $537.3 million, an increase of 12.9% from the prior-year period[7] - Total loans originated in Q4 25 amounted to $537.32 million, a 2.9% increase QoQ and a 12.9% increase YoY[29] - Loans originated in FY 25 totaled $1,962,030 million, an increase of $307,519 million or 18.6% compared to FY 24[34] Credit Losses and Delinquency - Provision for credit losses for the fourth quarter was $66.4 million, a 15.2% increase year-over-year, reflecting portfolio growth[7] - Net credit loss rate for the fourth quarter was 11.0%, a 20 basis point increase compared to the prior-year period[7] - Provision for credit losses was $66.38 million, accounting for 12.7% of average net finance receivables[30] - Total delinquency rate was 7.5% in Q4 25, compared to 7.0% in Q3 25[31] - Large loans delinquency rate was 6.3% in Q4 25, while small loans delinquency rate was 11.2%[31] - The net credit loss rate for FY 25 was 11.4%, up from 11.2% in FY 24[35] Assets and Liabilities - Total assets grew to $2,103.930 million, a 10.2% increase from $1,909.100 million in the previous year[24] - Total liabilities rose to $1,730.830 million, an 11.5% increase from $1,552.030 million[24] - Stockholders' equity increased by 4.5% to $373.092 million from $357.078 million[24] - Funded debt-to-equity ratio was 4.4 to 1.0, with a stockholders' equity ratio of 17.7% as of December 31, 2025[12] - The funded debt-to-tangible equity ratio was reported at 4.8x in Q4 25, indicating a stable leverage position[38] Operational Efficiency - Annualized operating expense ratio improved to 12.4%, marking an all-time best, down from 14.0% in the prior-year period[9] - The efficiency ratio improved to 38.0% in Q4 25, down from 41.8% in Q4 24[32] - General and administrative expenses for FY 25 were $257,575 million, representing 39.9% of total revenue, down from 42.1% in FY 24[35] Dividends and Shareholder Returns - The company declared a dividend of $0.30 per common share for the first quarter of 2026, payable on March 12, 2026[8]

Core Viewpoint - Roxmore Resources Inc. is set to uplist to the Toronto Stock Exchange, transitioning from the Canadian Securities Exchange, which reflects the company's growth and strategic positioning in the market [1] Group 1 - The common shares of Roxmore will be voluntarily delisted from the Canadian Securities Exchange effective at the close of market on February 4, 2026 [1] - Trading on the Toronto Stock Exchange will commence on February 5, 2026, under the ticker symbol "RM" [1]

Core Insights - Roxmore Resources Inc. has reported significant drilling results from its Converse Gold Project, indicating robust gold mineralization and continuity [1][3][5] Drilling Results - The drill hole CV25-007C intersected 194.5 meters grading 0.71 g/t gold from a depth of 190.2 meters, including higher-grade intervals of 12.5 meters at 1.14 g/t Au and 24.1 meters at 1.77 g/t Au [1][7][8] - The true thickness of mineralization in CV25-007C is estimated to be approximately 150 meters, with the highest individual gold assay returning 5.39 g/t Au [4][10] Geological Context - The geology of the Converse Gold Project shows similarities to the Phoenix deposit, which is currently being mined by Nevada Gold Mines [6] - The mineralization is controlled by sedimentary beds and high-angle fluid-feeding structures, with alteration intensity increasing toward these structures [10][11] Economic Assessment - The results from the ongoing drilling program will be incorporated into the updated geological model and the Preliminary Economic Assessment (PEA) studies [13] - Roxmore Resources is focused on advancing the Converse Gold Project, which contains 5.57 million ounces of Measured and Indicated Mineral Resources and 0.42 million ounces of Inferred Mineral Resources [14] Upcoming Catalysts - Further drill results are expected in Q1 2026, with the release of the Converse PEA anticipated in Q2 2026 [17]

Core Viewpoint - Roxmore Resources Inc. has commenced trading on the OTCQX Best Market under the symbol 'GARLF', enhancing its visibility and accessibility for U.S. investors [1][2]. Company Overview - Roxmore Resources Inc. is focused on developing the Converse Gold Project, which is the largest undeveloped gold deposit not owned by a major mining company in Nevada, USA [4]. - The Converse Gold Project contains 5.57 million ounces (Moz) of Measured and Indicated Mineral Resources and 0.42 Moz of Inferred Mineral Resources, with specific grades of 0.539 grams per tonne (g/t) Au for Measured and 0.487 g/t Au for Indicated resources [4]. Market Position - The upgrade to the OTCQX Market signifies a commitment to transparency and adherence to high financial standards, which is beneficial for attracting U.S. investors [2]. - Roxmore's common shares will continue to trade on the Canadian Securities Exchange (CSE) alongside the new OTCQX listing [3].

Group 1 - Axcap Ventures Inc. has completed a Change of Business and a consolidation of shares at a ratio of one post-consolidated common share for every ten pre-consolidated common shares [1][2][3] - The company will change its name and trading symbol to Roxmore Resources Inc. with the new symbol being RM [1][4] - The effective trading date for the new shares will be November 20, 2025, and the number of outstanding shares will be reduced to approximately 49,364,356 common shares [2][3][4] Group 2 - All open orders will be canceled at the end of business on November 19, 2025, and dealers are reminded to re-enter their orders [2][3]

Group 1 - The article does not provide any specific content related to a company or industry, as it appears to be a technical issue regarding browser settings and ad-blockers [1]

Branch and Account Information - As of September 30, 2025, the company operates 349 branch locations across 19 states, serving 585,400 active accounts[119] - The number of branches grew to 349, an increase of 9 branches, or 2.6%, from 340 branches in the previous year[154] - Net finance receivables per branch increased by $531, or 9.9%, to $5,883 thousand as of September 30, 2025, from $5,352 thousand in the previous year[154] Loan Portfolio and Originations - The loan portfolio includes 280.4 thousand large installment loans totaling $1.5 billion and 305.0 thousand small installment loans totaling $540.9 million[127] - Total originations rose to $522.3 million during the three months ended September 30, 2025, up from $426.2 million in the prior-year period, representing a 22.5% year-over-year increase[158] - Total originations grew to $1.4 billion, up 20.9% from $1.18 billion in the prior year, with large loans increasing by 36.1% to $941.3 million[180] - Large loans increased by $218,730 thousand, or 16.9%, to $1,512,140 thousand as of September 30, 2025, compared to $1,293,410 thousand in the prior year[154] - Large loans increased by 9.9% year-over-year to $1.39 billion, while small loans rose by 8.6% to $543.4 million, resulting in a total receivables balance of $1.93 billion, a 9.5% increase[180] Financial Performance - Net income increased by $6.7 million, or 87.3%, to $14.4 million for the three months ended September 30, 2025, compared to $7.7 million in the prior-year period[155] - Total revenue rose by $19.1 million, or 13.1%, to $165.5 million for the three months ended September 30, 2025, from $146.3 million in the same period last year[156] - Total revenue increased by $42.2 million, or 9.7%, to $475.9 million during the nine months ended September 30, 2025, compared to $433.7 million in the prior-year period[178] - Interest and fee income increased by $14.7 million, or 11.0%, to $148.7 million for the three months ended September 30, 2025, driven by an 11.6% rise in average net finance receivables[157] Credit Losses and Allowance - The allowance for credit losses was 10.3% of net finance receivables as of September 30, 2025[123] - Provision for credit losses increased by $6.1 million, or 11.3%, to $60.5 million during the three months ended September 30, 2025, from $54.3 million in the prior-year period[163] - Net credit losses rose by $3.6 million, or 7.6%, to $51.3 million during the three months ended September 30, 2025, with a net credit loss rate of 10.2%[165] - The allowance for credit losses as a percentage of net finance receivables decreased to 10.3% as of September 30, 2025, from 10.6% a year earlier[164] - Net credit losses increased by 11.1% to $166.6 million, with a net credit loss rate of 11.5% compared to 11.3% in the prior year[186] Expenses and Efficiency - General and administrative expenses increased by $1.6 million, or 2.6%, to $64.1 million during the three months ended September 30, 2025[169] - General and administrative expenses increased by 5.5% to $193.1 million, with personnel expenses rising by 5.3% to $119.2 million[188][189] - Interest expense increased by $2.6 million, or 13.5%, to $22.0 million during the three months ended September 30, 2025, primarily due to a rise in the cost of funds[175] - Interest expense increased by 13.6% to $62.2 million, primarily due to a rise in the cost of funds to 4.3%[194] - The efficiency ratio improved to 38.7% for the three months ended September 30, 2025, down from 42.7% in the prior quarter[152] - The operating expense ratio decreased to 12.8% during the three months ended September 30, 2025, from 13.9% in the prior-year period[174] Liquidity and Cash Flow - The company had $155.4 million of available liquidity and $399.8 million of unused capacity on revolving credit facilities as of September 30, 2025[124] - Cash and cash equivalents slightly increased to $4.1 million, with available drawdown from revolving credit facilities at $151.3 million[197] - Net cash provided by operating activities increased to $229.0 million for the nine months ended September 30, 2025, up from $205.1 million in the prior-year period, representing a net increase of $23.9 million[203] - Net cash used in investing activities rose to $328.0 million, compared to $196.4 million in the prior-year period, reflecting a net increase of $131.6 million primarily due to increased loan originations[204] - Net cash provided by financing activities was $71.9 million, a significant increase of $89.0 million from a net cash used of $17.0 million in the prior-year period, driven by a $107.4 million increase in net advances on debt instruments[205] Debt and Compliance - As of September 30, 2025, the company had five credit facilities outstanding, with total debt balances amounting to $382.4 million across various facilities[208] - The company was in compliance with all debt covenants as of September 30, 2025[207] - The majority of funding was held at a fixed rate, representing 76% of total debt as of September 30, 2025[133] - As of September 30, 2025, 76% of the company's debt was fixed-rate, with an increase of 100 basis points in rates potentially resulting in approximately $3.8 million of increased annual interest expense[220] Economic Factors and Sensitivity - The allowance for credit losses is based on historical credit experience and current economic forecasts, with macroeconomic factors such as unemployment rates being critical in estimating expected credit losses[215] - A 10% increase in weighting towards slower near-term growth would have increased reserves by $1.8 million as of September 30, 2025, demonstrating macroeconomic sensitivity[217] - Seasonal trends affect loan volume and delinquency, with demand typically highest in the second, third, and fourth quarters[125] Insurance Income - Insurance income, net increased by $4.0 million, or 53.5%, to $11.4 million during the three months ended September 30, 2025, compared to $7.4 million in the prior-year period[160] - Insurance income, net rose by 18.3% to $34.2 million, driven by a $5.3 million increase compared to the previous year[181] Delinquency Rates - The delinquency rate was reported at 7.0% for the three months ended September 30, 2025, a slight increase of 0.1% year-over-year[152] - Delinquency rate rose to 7.0%, up from 6.9% in the previous year, influenced by prior-year hurricane assistance programs[187]

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分组1 - Regional Management reported quarterly earnings of $1.42 per share, missing the Zacks Consensus Estimate of $1.46 per share, but showing an increase from $1.18 per share a year ago, resulting in an earnings surprise of -2.74% [1] - The company posted revenues of $165.49 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.34% and increasing from $146.34 million year-over-year [2] - Regional Management has outperformed the S&P 500, with shares increasing about 16.1% since the beginning of the year compared to the S&P 500's gain of 15.1% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $1.33 on revenues of $169.96 million, and for the current fiscal year, it is $4.52 on revenues of $643.67 million [7] - The Zacks Industry Rank for Financial - Consumer Loans is in the top 38% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - Another company in the same industry, Ezcorp, is expected to report quarterly earnings of $0.29 per share, reflecting a year-over-year change of +11.5% [9]

Financial Data and Key Metrics Changes - The company reported net income of $14.4 million and diluted earnings per share of $1.42, an improvement of 87% year over year [4][5] - Total revenue reached a record high of $165 million, up 13% year over year [15][16] - The operating expense ratio improved to 12.8%, marking an all-time best [9][10] Business Line Data and Key Metrics Changes - The portfolio grew by $93 million sequentially, surpassing $2 billion in net receivables for the first time [4][5] - Total originations in the third quarter reached a record high of $522 million, up 23% from the prior year [14][15] - Auto-secured loans grew by $80 million, or 41% year over year, representing 13.4% of the portfolio [11][12] Market Data and Key Metrics Changes - The 30-plus-day delinquency rate was 7%, a slight increase of 10 basis points year over year, but improved by 30 basis points when adjusted for prior year hurricane impacts [8][16] - The net credit loss rate improved to 7.2%, a 170 basis point improvement sequentially and a 40 basis point improvement year over year [8][16] Company Strategy and Development Direction - The company plans to open five new branches before year-end and another 5-10 in the first half of 2026, with potential entry into one to two new states [10][12] - The Barbell strategy focusing on growth and higher-quality auto-secured loans continues to be effective [10][11] - Investments in technology and data analytics are aimed at improving customer experience and operational efficiency [11][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in consumer health and the company's ability to grow responsibly while maintaining a tight credit box [5][6] - For 2025, the company forecasts full-year net income of $43.5 million, with growth dependent on macroeconomic conditions [12][13] - The board approved an increase in the stock repurchase program from $30 million to $60 million, indicating a strong balance sheet [13][19] Other Important Information - The company announced the retirement of its President and CEO, Rob Beck, with Lockbier Lomba set to succeed him [4][22] - The company has returned an aggregate of $26 million in capital to shareholders through stock repurchases and dividends [9][19] Q&A Session Summary Question: What is driving the acceleration in same-store sales? - Management noted strong momentum from digital channels and traditional renewal customers, allowing for selective customer choices within a tight credit box [24][25] Question: Any changes in product mix expected for 2026? - The company remains nimble and expects continued growth in auto-secured loans while adapting to economic conditions [27][28] Question: What factors contributed to the outperformance versus guidance? - Demand remained strong, and the company was able to meet that demand within its conservative risk box [39][40] Question: How is the marketing expense efficiency achieved? - The efficiency is attributed to new models that allow for optimized spending and customer selection, which management hopes will be sustainable [43][45]