eHealth (NasdaqGS:EHTH) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker6Good afternoon, everyone, welcome to eHealth, Inc. conference call to discuss the company's fourth quarter and fiscal year 2025 financial results. At this time, all participants have been placed in listen-only mode. The floor will be open.Good afternoon, and thank you all for joining us. On the call today, Derrick Duke, eHealth's Chief Executive Officer, and John Dolan, Chief Financial Officer, will discuss our fourth quarte ...

Enovix (NasdaqGS:ENVX) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker7Thank you for standing by, welcome to the Enovix Corporation fourth quarter 2025 earnings conference call. Currently, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. As a reminder, today's program will be recorded. Now I'd like to introduce your host for today's program, Robert Lahey, Head of Investor Relations. Please go ahead, sir.Speaker9Thank you. ...

Financial Data and Key Metrics Changes - For the full year 2025, gross billings increased by 8.6% to $9 billion, compared to $8.3 billion in the prior year, while diluted earnings per share rose by 5% to $2.08 from $1.98 [13][14] - In Q4 2025, gross billings increased by 6.4% to $2.4 billion, compared to $2.25 billion in Q4 2024, with diluted earnings per share increasing by 2% to $0.64 from $0.60 [14][15] - Average billing per worksite employee (WSE) per day increased by 1.5% in the quarter, driven by sustained wage growth [15] Business Line Data and Key Metrics Changes - PEO gross billings increased by 6.6% in Q4 to $2.38 billion, while staffing revenues declined by 13% to $18 million [14][15] - The staffing business declined by 13% year-over-year, reflecting client reluctance to place staffing orders amid macroeconomic uncertainty [7] - The company added approximately 8,300 WSEs year-over-year from net new clients, achieving a 5.1% increase in worksite employees for the quarter [6][15] Market Data and Key Metrics Changes - Southern and Northern California both grew by 5%, while the Mountain and East Coast regions grew by 10%. The Pacific Northwest declined by 4%, and asset-light markets grew by 95% [15][16] - Client workforce reductions were noted across all geographies and nearly all industries, with the construction industry and California clients being most affected [6][15] Company Strategy and Development Direction - The company is focusing on expanding its asset-light model and has successfully converted two emerging markets to traditional branches [4] - Continued investment in technology and product development is a priority, with multiple product releases planned for 2026 [10][20] - The company aims to maintain controllable growth despite macroeconomic headwinds, with expectations for gross billings to increase between 3% and 5% in 2026 [21][22] Management's Comments on Operating Environment and Future Outlook - Management anticipates that client hiring will continue to grow at a rate below historical norms due to macroeconomic uncertainties [11][21] - The workers' compensation market is expected to experience a positive shift with recent premium rate increases, which may help improve margins [17][22] - The company remains cautious in its planning for margins in 2026, balancing top-line growth with margin protection [22] Other Important Information - The company repurchased $17 million of shares in Q4 2025, with a total of $42 million repurchased throughout the year [21] - The company paid $8.2 million in dividends for the year, returning a total of $50 million to shareholders [21] Q&A Session Summary Question: What are you hearing from your clients in terms of being able to improve growth throughout 2026? - Management noted that they anticipate a continuation of negative hiring trends into 2026, with a potential for improvement later in the year as macroeconomic conditions stabilize [24][25] Question: What are you hearing from clients regarding the ability to pay higher wages in 2026? - Wage growth is real and has moderated to a range of 2%-4%. Clients are still facing challenges in finding skilled labor [26] Question: Is there any improvement in sight for 2026 on the payroll tax side? - Management indicated that payroll tax rates are modestly higher but manageable through pricing mechanisms [31] Question: Are you expecting margins to improve as the workers' compensation pricing environment evolves? - Management expressed cautious optimism about margin improvement, particularly in California, where rates are expected to rise [32][33] Question: How does the new client pipeline of qualified leads look currently? - The pipeline remains strong, with good volume and consistency in client acquisition, particularly in the benefits sector [42][43] Question: What impact do you anticipate from artificial intelligence on the business? - Management believes AI will enhance internal efficiency but does not foresee it replacing the human element in complex business operations [51][55]

McGrath RentCorp (NasdaqGS:MGRC) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker4Ladies and gentlemen, thank you for standing by. Welcome to the McGrath RentCorp Fourth Quarter 2025 Earnings Call. At this time, all conference participants are in a listen-only mode. Later, we will conduct a question-and-answer session. At that time, if you have a question, you will need to press the star key followed by the one key on your telephone. This conference call is being recorded today, Wednesday, Februa ...

NVIDIA (NasdaqGS:NVDA) Q4 2026 Earnings call February 25, 2026 05:00 PM ET Speaker11Good afternoon. My name is Sarah, and I will be your conference operator today. At this time, I would like to welcome everyone to NVIDIA's fourth quarter earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star, followed by the number one on your telephone ...

OraSure Technologies (NasdaqGS:OSUR) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker1Today, thank you for standing by. Welcome to the OraSure Technologies 2025 fourth quarter earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you'll need to press star one one on your telephone. You will hear an automated message advising your hand is raised. To wit ...

Taskus (NasdaqGS:TASK) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker8Good afternoon, welcome to the TaskUs fourth quarter and full year 2025 earnings call. My name is Victor, I'll be your conference facilitator today. At this time, all lines have been placed on mute to avoid background noise. After the speaker's remarks, there will be a question and answer period. To ask a question, you will need to press star one on your telephone and wait for your name to be announced. To withdraw your quest ...

Root (NasdaqGS:ROOT) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker6Greetings, welcome to the Root, Inc. fourth quarter earnings conference call. At this time, all participants are in a 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. I would now like to turn the call over to Matt LaMalva, Head of Investor Relations ...

Encore Capital Group (NasdaqGS:ECPG) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker4Good day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's fourth quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there'll be a question-and-answer session. To ask a question during the session, you need to press star one on your telephone. You'll then hear an automated message advising your hand is r ...

Financial Data and Key Metrics Changes - For Q4 2025, revenue was $543 million, an 18% increase year-over-year, primarily driven by acquisitions [23] - Full-year revenue grew 52% compared to the previous year, with an estimated organic growth of approximately 2% [24] - Adjusted EBITDA for the full year was $447 million, with a margin increase of approximately 530 basis points year-over-year [25] - Full-year free cash flow increased by $65 million to $176 million, with a conversion rate of approximately 40% [27] Business Line Data and Key Metrics Changes - Financial Services revenue for Q4 was $439 million, up 23% year-over-year, with full-year revenue at $2.3 billion, a 70% increase [27][28] - Benefits and Insurance (BNI) revenue for 2025 was $410 million, representing a 2% growth year-over-year, driven by employee benefits and payroll services [29] Market Data and Key Metrics Changes - The company noted that over 70% of its revenue is recurring, providing resilience across economic cycles [22] - The sentiment in the middle market has improved, with clients showing increased comfort in the business environment heading into 2026 [20][21] Company Strategy and Development Direction - The strategic focus for 2026 includes attracting and retaining top talent, elevating brand visibility, and deepening industry specialization [9][12] - The company aims to leverage AI and automation to enhance service delivery and operational efficiency [15][19] - CBIZ is positioned to capitalize on the growing demand for professional services in the middle market, driven by increased complexity and a shortage of accounting talent [4][5] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about improving market conditions and client sentiment, expecting continued growth in advisory work [41][44] - The company anticipates organic revenue growth of 2%-5% for 2026, with a focus on project-based work and macroeconomic conditions influencing performance [31][32] Other Important Information - The company completed significant integration work following the acquisition of Marcum, which is expected to drive long-term growth [6][8] - CBIZ plans to increase offshore hours from approximately 6% in 2025 to 10% in 2026, aiming for over 20% in the coming years [20][19] Q&A Session Summary Question: Impact of soft market conditions on revenue growth - Management noted that soft market conditions in the first half of 2025 affected revenue growth, but sentiment improved as the year progressed, leading to increased advisory work [40][41] Question: Role of AI in the business - Management emphasized that while AI will augment efficiency, the role of trusted advisors remains critical, as clients seek deep industry knowledge and holistic guidance [45][50] Question: Pricing expectations for 2026 - Management confirmed that pricing is expected to remain in the mid-single-digit range for 2026, consistent with 2025 [54][58] Question: Performance of SEC capital markets business - Management indicated that the capital markets work was softer in 2025 due to market conditions, but expressed optimism for improvement in 2026 [63][65] Question: Growth expectations across different business segments - Management highlighted that core accounting and tax services are more predictable, while advisory services are more susceptible to market conditions, with expectations for growth in 2026 [73][75]