Key Takeaways SYF renewed its consumer financing partnership with Polaris across U.S. dealers.Synchrony will offer promo financing and installment loans for vehicles, gear and service plans.SYF's net interest margin rose 48 bps to 15.2% in 2025, aided by specialty retail finance.Synchrony Financial (SYF) has renewed its long-standing consumer financing partnership with Polaris, extending a relationship that has supported dealers and customers for nearly two decades. The agreement ensures continued access to ...

天眼查资料显示，招联消费金融股份有限公司，成立于2015年，位于深圳市，是一家以从事货币金融服 务为主的企业。企业注册资本1000000万人民币。通过天眼查大数据分析，招联消费金融股份有限公司 参与招投标项目225次，财产线索方面有商标信息146条，专利信息347条，此外企业还拥有行政许可80 个。 国家知识产权局信息显示，招联消费金融股份有限公司取得一项名为"金融场景合法性校验方法及装 置"的专利，授权公告号CN116189090B，申请日期为2023年2月。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...

Oportun Financial (NasdaqGS:OPRT) Q4 2025 Earnings call February 26, 2026 05:00 PM ET Company ParticipantsDorian Hare - SVP of Investor RelationsHal Goetsch - Senior Managing Director and Head of FinTech and FinancialPaul Appleton - Interim CFO, Treasurer, and Head of Capital MarketsRaul Vazquez - Chief Executive OfficerZach Milam - Equity Research AssociateConference Call ParticipantsBrendan McCarthy - Equity Research AnalystOperatorGreetings, welcome to the Oportun Financial fourth quarter 2025 earnings c ...

Oportun Financial (NasdaqGS:OPRT) Q4 2025 Earnings call February 26, 2026 05:00 PM ET Speaker3Greetings, welcome to the Oportun Financial fourth quarter 2025 earnings call. At this time, all participants are in listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It is now my pleasure to introduce Dorian Hare of Investor Relations. P ...

Management highlighted a return to customer growth, with Thompson saying 2025 was the first year in more than a decade to deliver “meaningful” growth in customer numbers. Total customers increased 4.7% to 1.729 million , with all three divisions growing.The board proposed a final dividend of 9 pence per share , up 12.5% year-on-year. CFO Gary Thompson said the full-year dividend totals 12.8 pence per share (including an interim dividend of 3.8 pence ), representing 12.3% growth versus 2024, with a 49% payou ...

European Green Transition PLC (AIM:EGT) is buying an EBITDA-profitable wind turbine operations and maintenance platform in the UK and Ireland for £3.5 million. The business services 900 turbines and generated £14.7 million revenue in 2025. EGT says policy changes have opened a repowering pipeline worth up to £19 million. It’s targeting £50 million revenue and double-digit margins over the medium term. AFC Energy PLC (AIM:AFC, OTC:AFGYF, FRA:QC8) says 2026 could be a breakthrough year for orders. It has l ...

制度的有效落地离不开严格的全流程管控，这也是合规经营要求落到实处的关键环节。2025年，马上消 金进一步强化消费者权益保护全流程管理，消保评审环节累计参与3000余项项目评估，提出针对性优化 建议超400条，从源头防范金融消费风险；同时，开展10场常态化巡检及4项专项检查工作，覆盖200余 个营销渠道、130余场直播营销活动，针对营销管理、系统运行等多个维度存在的问题，推动全面整改 落实，确保合规经营要求贯穿业务全流程。 专业的工作团队，是消费者权益保护工作高质量推进的重要支撑。2025年，马上消费金融聚焦消保团队 专业能力提升，组织开展10余场消费者权益保护专项培训。通过系统培训，将消保理念深度融入企业文 化，打造出一支专业素养过硬、责任意识突出的消保工作团队，为消保工作的高效推进提供有力保障。 当前，各类金融诈骗行为频发，如何有效守护消费者财产安全、筑牢金融消费信任防线，已成为行业发 展过程中需重点解决的问题。作为重庆市头部持牌消费金融机构，马上消费金融股份有限公司始终坚守 合规经营底线，通过一系列务实举措构建消费者权益保护体系，切实履行企业责任，保障金融消费者的 合法权益。 金融消费者的安心消费体验，离 ...

OneMain Holdings (NYSE:OMF) is one of the 12 oversold financial stocks to invest in according to hedge funds. On February 6, the price target on OneMain Holdings (NYSE:OMF) was reduced from $75 to $70 by Wells Fargo analyst Donald Fandetti, who maintained his Equal Weight rating on the stock. Following this downward revision, the stock now offers a 23% upside. Fandetti’s pessimism around OneMain Holdings (NYSE:OMF) stems from a lackluster consumer sentiment, inflationary pressures, and macroeconomic unc ...

Core Insights - The company reported a consolidated GMV growth of 12.1% in 2025, driven by a significant increase in the Four Technologies platform, which grew approximately 144% [2][6] - Despite a decline in leasing GMV of 8.6% for the full year due to external pressures, underlying leasing GMV showed mid-single-digit growth when adjusted for specific factors [3][4] - The company successfully navigated a challenging retail environment and met or exceeded its 2025 guidance, with a focus on portfolio performance and strategic acquisitions [4][5] Financial Performance - The company ended 2025 with approximately $659 million in available liquidity and provided guidance for 2026, projecting revenues between $3.0 billion and $3.1 billion, adjusted EBITDA of $320 million to $350 million, and non-GAAP EPS of $4.00 to $4.45 [5][25] - Fourth-quarter consolidated revenue from continuing operations declined 5.2% year-over-year to $574.6 million, while consolidated gross margin improved by 284 basis points to 36.3% [13] - The fourth-quarter adjusted EBITDA was $61.5 million, exceeding prior outlooks, and the adjusted EBITDA margin for the year was 11.4%, within the company's target range [11][13] Business Segments - Within Progressive Leasing, GMV fell 10.6% year-over-year, primarily due to a large partner bankruptcy and tighter approval processes, but underlying GMV grew 1% when excluding specific impacts [9][12] - The Four Technologies platform achieved about 170% revenue growth in 2025, marking its ninth consecutive quarter of triple-digit growth [7] - The MoneyApp and Four platforms contributed approximately $45 million in incremental leasing GMV in 2025, reflecting successful cross-selling efforts [1][6] Strategic Actions - The company completed the acquisition of Purchasing Power in January 2026, which is expected to enhance its growth platform and diversify its offerings [5][14] - Management emphasized portfolio repositioning and capital allocation, including the sale of the Vive portfolio to focus on higher-return opportunities [14] - The company plans to reduce net leverage from approximately 2.5 times post-acquisition to a long-term target of 1.5 to 2 times [15][16] 2026 Outlook - The company anticipates a challenging consumer environment in 2026, with expectations for modest growth and further gross margin expansion [17][18] - For Purchasing Power, projected revenue for 2026 is between $680 million and $730 million, with an adjusted EBITDA expectation of $50 million to $60 million [19] - Management expects continued write-offs to remain within the 6% to 8% target range, with no significant changes in decision-making posture anticipated [20][21]

Core Insights - The company reported that 2025 results met or exceeded expectations despite a challenging retail environment and disruptions from a major retail partner's bankruptcy [1][4][28] - The strategic focus for 2026 includes a multiproduct approach, emphasizing growth, enhancement of customer experience, and expansion of offerings [11][19][26] Financial Performance - For 2025, consolidated GMV grew by 12.1%, driven by a 144% increase in the For segment, while leasing GMV declined by 8.6% year over year [5][9][10] - Adjusted EBITDA for continuing operations was $269 million, essentially flat compared to the previous year, and non-GAAP diluted EPS was $3.51, exceeding prior guidance [10][11][37] - The fourth quarter saw a revenue decline of 5.2% year over year, attributed to a smaller leasing portfolio, but gross margins improved by 284 basis points [36][37] Strategic Initiatives - The company tightened decision-making in the Progressive Leasing business to protect portfolio performance, resulting in a 7.6% write-off rate in Q4, within the targeted range [10][33] - The acquisition of Purchasing Power in January 2026 is expected to enhance the company's offerings and customer engagement, contributing $680 million to $730 million in revenue for the full year [7][42] - The company is focusing on cross-selling products, with Money App driving approximately $45 million in incremental leasing GMV in 2025 [6][21] Market Environment - The macroeconomic backdrop for 2026 remains challenging, with continued pressure on discretionary income and a smaller lease portfolio, down 9.4% year over year [24][25] - Despite these challenges, the company anticipates higher expected tax refunds in 2026 to provide liquidity support for demand [25][26] Operational Efficiency - The company is leveraging AI to improve operational efficiency, with AI applications enhancing decision speed by approximately 75% and resolving over 18,000 inquiries [17][18] - Investments in technology and infrastructure are aimed at improving customer experience and operational scalability [15][16] Future Outlook - For 2026, the company expects revenues between $3 billion and $3.1 billion, with adjusted EBITDA projected at $320 million to $350 million, reflecting a disciplined approach to managing costs and investments [44][45] - The company plans to maintain a focus on debt reduction, targeting a long-term net leverage ratio of 1.5 to 2 times [27][39]