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Smartkarma Newswire

Kia Corp (000270) Earnings: 2Q Operating Profit Falls Short with 2.76 Trillion Won

By | Earnings Alerts
  • Kia’s operating profit for the second quarter was 2.76 trillion won, which was below the estimated 2.96 trillion won.
  • The reported net profit was 2.27 trillion won, falling short of the expected 2.46 trillion won.
  • Sales exceeded expectations, reaching 29.35 trillion won compared to the estimated 28.93 trillion won.
  • Analyst recommendations for Kia included 30 buys, 1 hold, and 0 sells.

A look at Kia Corp Smart Scores

FactorScoreMagnitude
Value4
Dividend5
Growth4
Resilience5
Momentum3
OVERALL SMART SCORE4.2

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Looking at the Smartkarma Smart Scores, Kia Corp seems to have a positive long-term outlook. With high scores in Dividend and Resilience, the company appears to be in a strong position to weather market fluctuations and provide good returns to its shareholders. Additionally, scoring well in Value and Growth indicates that Kia Corp is seen as a company with solid potential for future expansion and profitability. Although the Momentum score is slightly lower, the overall positive scores suggest that Kia Corp could be a promising investment option for those looking for stability and growth in the long haul.

Kia Corporation, known for manufacturing and selling various vehicles globally, including passenger cars, mini-buses, trucks, and commercial vehicles, stands out for its use of hybrid electric and fuel cell technology in its auto-parts and tools. With a strong focus on sustainability and innovation, Kia Corp‘s high scores in Dividend, Resilience, Value, and Growth from the Smartkarma Smart Scores point towards a company with a solid foundation and potential for growth in the evolving automotive industry.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Sopra Steria (SOP) Earnings 1H: Net Income Surpasses Expectations with EU142 Million, Despite Organic Revenue Drop

By | Earnings Alerts
  • Sopra Steria‘s net income for the first half of 2025 was €142.0 million, surpassing the estimated €114 million.
  • The company’s revenue for the second quarter was €1.43 billion, matching the market estimate.
  • Despite a -2.7% decline in organic revenue, the company’s performance remained on target with expectations.
  • Sopra Steria‘s strategic advantages include its European presence, minimal exposure to trade war impacts, and significant involvement in defence and public-sector markets.
  • The company’s business strategy emphasizes working with local clients.
  • Market sentiment is positive with 11 buy ratings, 2 hold ratings, and no sell ratings reported.

Sopra Steria on Smartkarma

Analyst coverage of Sopra Steria on Smartkarma reveals insights from Baptista Research on the company’s strategic shift towards digital services and consulting. In their report titled “Sopra Steria Group SA: Initiation of Coverage- Why Its Shift towards Digital Services & Consulting Is Driving Our Optimism?”, Baptista Research highlights the mixed outcomes in Sopra Steria‘s 2024 financial results. Despite facing challenges in the market environment, the company achieved significant milestones and navigated obstacles that could shape its future. Of note is Sopra Steria‘s robust operating margin of 9.8%, marking its highest level since 2007.


A look at Sopra Steria Smart Scores

FactorScoreMagnitude
Value3
Dividend3
Growth4
Resilience3
Momentum4
OVERALL SMART SCORE3.4

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Based on the Smartkarma Smart Scores, Sopra Steria‘s long-term outlook appears positive, with ratings indicating strength in Growth and Momentum. The company received a score of 4 for Growth, suggesting promising prospects for increasing revenue and expanding its business operations over time. Additionally, Sopra Steria achieved a score of 4 for Momentum, indicating strong market performance and investor interest, potentially leading to further growth in the future.

Sopra Steria, a consulting and computer services company, seems well-positioned for future success based on its strong performance in Growth and Momentum. While the company received average scores for Value, Dividend, and Resilience, the higher ratings in Growth and Momentum suggest opportunities for continued development and market momentum. Sopra Steria‘s strategic marketing, consulting, and IT services play a key role in its operations, positioning it for potential growth in the long term.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Phillips 66 (PSX) Earnings: Q2 Adjusted EPS of $2.38 Surpasses Estimates with Strong Refining Margins

By | Earnings Alerts
  • Phillips 66 reported an adjusted Earnings Per Share (EPS) of $2.38, surpassing the estimated $1.72.
  • The refinery margin per barrel was $11.25, higher than the anticipated $10.88.
  • Operating expenses amounted to $848 million, marking a 4.1% year-over-year decrease.
  • For the third quarter, Phillips 66 anticipates global Olefins & Polyolefins utilization in the mid-90% range.
  • Third-quarter refining crude utilization is expected to be in the low to mid-90% range.
  • The company projects third-quarter refining turnaround expenses to be between $50 million and $60 million.
  • Corporate and other costs for the third quarter are expected to range from $350 million to $370 million.
  • In the second quarter, operating cash flow was $845 million, with capital expenditures and investments totaling $587 million.
  • Market analysts have rated Phillips 66 with 10 buy recommendations, 12 holds, and 1 sell.

Phillips 66 on Smartkarma

Phillips 66 is under the spotlight on Smartkarma, with insightful analysis from Baptista Research shedding light on the company’s recent activities. Mark Lashier, the Chairman and CEO, remains committed to the company’s strategic direction amidst macro-economic challenges in various segments. Despite reporting earnings of $487 million, adjustments for factors like accelerated depreciation led to a temporary loss of $368 million. The focus on midstream operations, particularly in NGLs, shows promise for future payoffs.

The entry of activist investor Elliott Investment Management has added a new dimension to Phillips 66‘s corporate landscape. Elliott has taken bold steps, including filing a lawsuit against the company and demanding board seats for election at the upcoming shareholder meeting. With a significant stake in Phillips 66, Elliott’s intervention aims to unlock value and influence the board’s composition. Despite hidden pitfalls that could affect performance, Phillips 66‘s integrated portfolio and strategic priorities position it well for navigating challenging market conditions.


A look at Phillips 66 Smart Scores

FactorScoreMagnitude
Value3
Dividend4
Growth3
Resilience3
Momentum4
OVERALL SMART SCORE3.4

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Phillips 66, a downstream energy company with operations in oil refining, marketing, transportation, chemical manufacturing, and power generation, has been assessed using the Smartkarma Smart Scores. Across various factors, the company has received a mixed outlook. The company scores well in Dividend and Momentum, indicating a positive outlook for its dividend payments and market momentum. However, its scores in Value, Growth, and Resilience are moderate, suggesting average performance in these areas. Overall, while Phillips 66 shows strength in dividend distribution and market momentum, there may be room for improvement in areas related to value, growth, and resilience.

In analyzing Phillips 66‘s long-term prospects, the Smartkarma Smart Scores offer valuable insights. With a solid score in Dividend, investors can take comfort in the company’s commitment to rewarding shareholders. Additionally, the high Momentum score points towards a strong performance trend in the market. However, the average scores in Value, Growth, and Resilience highlight areas where Phillips 66 may need to focus on enhancing its performance for sustained long-term success. Investors seeking a company with a reliable dividend track record and market momentum may find Phillips 66 appealing, although there may be considerations around value, growth, and resilience that need further evaluation.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Bank Negara Indonesia Persero (BBNI) Earnings: 1H Net Income Drops 5.6% to 10.09T Rupiah, Amid Positive Net Interest Growth

By | Earnings Alerts
  • BNI’s net income for the first half of 2025 is 10.09 trillion rupiah, representing a drop of 5.6% compared to the previous year.
  • The bank’s net interest income has risen by 2.3% year-over-year, reaching 19.52 trillion rupiah.
  • Earnings per share (EPS) have decreased to 271 rupiah from 287 rupiah year-over-year.
  • Analyst recommendations for BNI include 32 “buy” ratings, 4 “hold” ratings, and 1 “sell” rating.

Bank Negara Indonesia Persero on Smartkarma

Analyst coverage on Bank Negara Indonesia Persero on Smartkarma has been positive, with top analysts like Victor Galliano highlighting the bank’s strengths. In a recent report titled “Indonesian Banks; We Stick with Our Key Pick Bank Negara (BBNI IJ)“, Galliano emphasized the bank’s top ranking based on a proprietary scorecard, highlighting its good value, credit quality, and return potential. Negara is recommended as the top pick in the Indonesian banking sector due to its attractive valuations and potential for improved returns.

Another report by Angus Mackintosh, “Bank Negara Indonesia (BBNI IJ) – Honing in on Transactions and CASA“, praised the bank’s focus on becoming a transactional bank with CASA (current account and savings account) as a key focus. The report highlighted Bank Negara Indonesia’s strong performance in 4Q2024, with higher loan growth and improving asset quality. Valuations were described as attractive, reaffirming positive sentiment towards the bank’s outlook.


A look at Bank Negara Indonesia Persero Smart Scores

FactorScoreMagnitude
Value4
Dividend5
Growth4
Resilience4
Momentum3
OVERALL SMART SCORE4.0

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

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PT Bank Negara Indonesia (Persero) Tbk, a state-owned bank, has received positive feedback on its long-term outlook based on the Smartkarma Smart Scores. With strong scores in Value, Dividend, Growth, Resilience, and Momentum, the company seems well-positioned for the future. A high score in Dividend suggests that the company is rewarding its investors, while solid scores in Value, Growth, and Resilience indicate a healthy financial standing and potential for growth. Although the Momentum score is slightly lower, the overall outlook for Bank Negara Indonesia Persero appears optimistic.

PT Bank Negara Indonesia (Persero) Tbk’s impressive Smartkarma Smart Scores highlight its strengths in various aspects, making it an attractive prospect for investors looking towards the long term. The company, which is involved in commercial and consumer banking services, seems to have a solid foundation based on the scores provided. Investors may find comfort in the robust Dividend score, indicating a consistent payout to shareholders, alongside promising scores in Value, Growth, and Resilience. Although Momentum could be a focus area for improvement, the overall outlook for Bank Negara Indonesia Persero looks promising.

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Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Hyundai Mobis (012330) Earnings: 2Q Operating Profit Surpasses Estimates with 37% YoY Growth

By | Earnings Alerts
  • Hyundai Mobis reported an operating profit of 870 billion won for the second quarter, exceeding expectations and marking a 37% increase compared to the previous year.
  • The estimated operating profit was 818.92 billion won, indicating a strong performance against forecasts.
  • Net profit for the same period was 932.46 billion won, which is a 6.4% decrease from the previous year and below the estimated net profit of 1.06 trillion won.
  • Sales for Hyundai Mobis reached 15.94 trillion won, an 8.7% increase year-over-year, outperforming the expected 15.26 trillion won in sales.
  • The analyst consensus includes 30 buy recommendations, 1 hold, and no sell ratings for Hyundai Mobis.

Hyundai Mobis on Smartkarma



Analysts on Smartkarma, such as Sanghyun Park, are closely following the developments surrounding Hyundai Mobis. In a recent report titled “The Straight-Up Timelines on Three Big Econ Policy Bills Rattling Korea’s Local Market Right Now,” Sanghyun Park dives into the key economic policy amendments impacting the Korean stock market.

Park highlights that while the Commercial Act has made progress, the floor vote scheduled for the 12th was unexpectedly postponed. The report suggests that the Presidential Office is actively advocating for the Commercial Act reform, with passage anticipated post the new floor leader’s election. Additionally, the report sheds light on the delays in inheritance tax bills and the Samsung Life Law proposal, indicating a challenging legislative environment for companies like Hyundai Mobis. Park’s analysis indicates a bullish sentiment on potential policy outcomes but underscores the lingering uncertainties affecting the market.



A look at Hyundai Mobis Smart Scores

FactorScoreMagnitude
Value4
Dividend3
Growth4
Resilience4
Momentum3
OVERALL SMART SCORE3.6

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Hyundai Mobis Co., Ltd. is in a favorable position for long-term growth, according to Smartkarma Smart Scores. With solid scores of 4 for Value, Growth, Resilience, and 3 for Momentum, the company is viewed positively across key factors. The strong Value score suggests that Hyundai Mobis is undervalued relative to its potential, offering an attractive investment opportunity. Additionally, the impressive Growth and Resilience scores indicate a promising future and the ability to navigate challenges effectively. Although the Momentum score is slightly lower, the overall outlook for Hyundai Mobis remains optimistic.

As a manufacturer of automotive parts and equipment, Hyundai Mobis is well-positioned to capitalize on the growing demand in the automotive industry. The company also undertakes environmental projects, showcasing a commitment to sustainability and diversification. Investors may find Hyundai Mobis appealing for its balanced performance across multiple Smartkarma Smart Scores, indicating a company with solid fundamentals and growth prospects in the long run.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Renesas Electronics (6723) Earnings: 2Q Results Surpass Expectations with Outstanding Net Sales and Profit Margins

By | Earnings Alerts
  • Renesas reported net sales of 325.53 billion yen, surpassing the estimated 314.28 billion yen.
  • The company’s non-GAAP gross margin stood at 56.8%.
  • Non-GAAP operating profit was reported at 91.9 billion yen, exceeding the estimate of 83.74 billion yen.
  • The non-GAAP operating margin was recorded at 28.3%.
  • Analyst recommendations consist of 13 buys, 5 holds, and 0 sells.

Renesas Electronics on Smartkarma



Analysts on Smartkarma are providing diverse insights on Renesas Electronics. Travis Lundy‘s report, ‘[Quiddity Index] TOPIX July 2025 FFW Rebalance’, highlights a $3.3bn trading opportunity post TSE’s announced changes. Andrew Jackson‘s bullish view cites Micron’s impact on Renesas, mentioning a -12% dip due to management changes. Nicolas Baratte sees a potential bottom for the semiconductor sector, favoring Renesas as a buy option alongside TXN. Brian Freitas notes Denso’s exit from Renesas, anticipating possible price movements post selling. Sumeet Singh discusses Denso’s $940m stake sale in Renesas as a well-flagged move that might lack momentum.

Overall, these reports present a mix of sentiments towards Renesas Electronics, reflecting various factors influencing the company’s stock performance. Investors can leverage these diverse perspectives to make informed decisions regarding their investment strategies in connection with Renesas Electronics.



A look at Renesas Electronics Smart Scores

FactorScoreMagnitude
Value3
Dividend2
Growth3
Resilience3
Momentum2
OVERALL SMART SCORE2.6

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Renesas Electronics, a leading electronic components manufacturer, has received a mixed bag of Smart Scores indicating its long-term outlook. While scoring moderately in areas like Value, Growth, Resilience, and Momentum, Renesas Electronics has room for improvement in Dividend according to Smartkarma’s analysis. The company’s focus on research, development, and design of semiconductors and integrated devices positions it well in the electronics industry despite the varied scores.

Despite facing some challenges in terms of its Dividend and Momentum scores, Renesas Electronics Corporation seems to maintain a stable position with decent ratings in Value, Growth, and Resilience. As a key player in the electronic components market, Renesas Electronics continues to research and develop cutting-edge technologies for semiconductors and integrated devices. The company’s ability to adapt and innovate in the ever-evolving tech landscape could be pivotal in shaping its long-term success.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Athabasca Oil (ATH) Earnings Report: Q2 EPS Drops to C$0.11 Amid Steady Production Growth

By | Earnings Alerts
  • Athabasca Oil reported earnings per share (EPS) of C$0.11 for the second quarter of 2025, compared to C$0.17 in the same quarter the previous year.
  • Average production increased by 3.9% year-over-year, reaching 39,088 barrels of oil equivalent per day (boe/d).
  • Thermal oil production saw an 8% year-over-year increase, averaging 36,476 barrels per day (bbl/d).
  • The company anticipates that production will remain steady until the next growth phase in the second half of 2026, with expectations to reach 32,000 bbl/d.
  • Investment analysts have mixed ratings on Athabasca Oil, with five analysts recommending a ‘buy,’ four suggesting ‘hold,’ and none advising a ‘sell’.

A look at Athabasca Oil Smart Scores

FactorScoreMagnitude
Value4
Dividend1
Growth3
Resilience4
Momentum3
OVERALL SMART SCORE3.0

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Based on the Smartkarma Smart Scores analysis, Athabasca Oil Corp shows promising long-term potential. With a strong Value score of 4, the company is deemed to be undervalued in the market, indicating an attractive investment opportunity. Additionally, Athabasca Oil scores high in Resilience with a score of 4, suggesting that the company is well-positioned to withstand market fluctuations and economic challenges.

Looking ahead, Athabasca Oil demonstrates moderate Growth potential with a score of 3, reflecting a steady upward trajectory. Although the company’s Dividend score is low at 1, indicating a limited dividend payout, the overall outlook remains positive due to its solid Value and Resilience scores. Investors may find Athabasca Oil an appealing prospect for long-term growth and value appreciation in the oil sands development sector of Alberta, Canada.

### Athabasca Oil Corp develops oil sands in Alberta, Canada. The Company has working interests in the Athabasca region of northern Alberta. ###


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Glacier Bancorp (GBCI) Earnings: Stable Deposits and Loan Growth Boost Q2 2023 Financials

By | Earnings Alerts
  • Glacier Bancorp‘s end-period deposits were $21.63 billion, slightly below the estimate of $21.77 billion.
  • Reported earnings per share (EPS) were 45 cents, underperforming compared to the estimate of 49 cents.
  • The net interest margin (NIM) on a taxable-equivalent basis increased to 3.21%, surpassing the estimate of 3.17%.
  • The provision for credit losses was $20.3 million, higher than the estimated $16.9 million.
  • Loan portfolio growth at higher yields, stable deposit costs, and reduced high-cost FHLB borrowings boosted the net interest margin by 17 basis points.
  • Analyst recommendations include 4 buy ratings and 2 hold ratings, with no sell ratings.

A look at Glacier Bancorp Smart Scores

FactorScoreMagnitude
Value4
Dividend4
Growth3
Resilience3
Momentum4
OVERALL SMART SCORE3.6

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Glacier Bancorp, Inc., a multi-bank holding company, shows strong potential for long-term growth and stability based on the Smartkarma Smart Scores. With high scores in Value and Dividend at 4, Glacier Bancorp demonstrates solid financial health and a commitment to rewarding its investors. The company’s Momentum score of 4 indicates a positive trend in stock performance, reflecting investor interest and confidence. While Growth and Resilience are slightly lower at 3, Glacier Bancorp‘s overall outlook remains positive, positioning it as a solid investment choice in the banking sector.

Glacier Bancorp, Inc. operates as a multi-bank holding company, gathering deposits from the public to fund various commercial and consumer loans. The company’s Smartkarma Smart Scores highlight its strengths in value, dividend payouts, and positive momentum in the stock market. With a strong foundation in financial stability and shareholder returns, Glacier Bancorp presents a promising outlook for long-term investors seeking a reliable player in the banking industry.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Slm Corp (SLM) Earnings: 2Q Core EPS Falls Short of Expectations Amid Rising Credit Loss Provisions

By | Earnings Alerts
  • SLM’s Core Earnings Per Share (EPS) for the second quarter significantly missed estimates, reported at 32 cents compared to $1.11 in the same quarter last year, falling short of the estimated 49 cents.
  • The company’s net interest margin slightly declined to 5.31% from 5.36% year-over-year, but surpassed the estimated margin of 5.2%.
  • Net interest income showed a modest increase of 1.2% from the previous year, reaching $376.8 million, although it did not meet the projected $378.4 million.
  • There was a substantial rise in the provision for credit losses, spiking to $148.7 million from just $17 million the previous year, greatly exceeding the estimated provision of $101 million.
  • Income tax expenses amounted to $16.4 million, marking a significant 81% decrease compared to the previous year and were well below the estimated $34.8 million.
  • Analysts’ ratings for SLM include 10 buy recommendations, 1 hold, and no sell recommendations.

A look at Slm Corp Smart Scores

FactorScoreMagnitude
Value3
Dividend3
Growth4
Resilience3
Momentum4
OVERALL SMART SCORE3.4

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

SLM Corporation, also known as Sallie Mae, has a generally positive long-term outlook based on the Smartkarma Smart Scores analysis. With above-average scores in Growth and Momentum, the company appears to be positioned well for future expansion and market performance. Additionally, its moderate scores in Value, Dividend, and Resilience indicate a stable financial standing and potential for consistent returns.

SLM Corporation, operating in the education funding sector, has diversified services that include originating and servicing student loans as well as offering debt management solutions. With a balanced mix of scores across different factors, the company seems primed for sustainable growth and resilience in the evolving market landscape, making it an intriguing investment prospect for those eyeing the education finance industry.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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Associated Banc (ASB) Earnings Report: Credit Loss Provisions Beat Estimates, Strong Profitability Insights

By | Earnings Alerts
  • Associated Banc‘s provision for credit losses was $18.0 million, beating the estimated $21.1 million.
  • Total deposits at the end of the period amounted to $34.15 billion.
  • Earnings per share (EPS) were recorded at 65 cents.
  • The net interest margin was 3.04%, slightly above the estimated 3%.
  • Net interest income totaled $300.0 million, surpassing the estimate of $294.2 million.
  • Non-interest income was close to estimates at $67.0 million, compared to the estimated $67.1 million.
  • The Common Equity Tier 1 ratio stood at 10.2%, matching the estimate.
  • The effective tax rate was reported at 20.3%, above the estimated 19.7%.
  • Projected total deposit growth for 2025 is expected to be between 1% and 3%, with core customer deposit growth projected at 4% to 5%.
  • Total non-interest expense is anticipated to grow by 4% to 5% in 2025, excluding certain impacts from 2024.
  • Non-interest income is expected to grow between 1% and 2% in 2025, after adjustments.
  • The annual effective tax rate for 2025 is expected to remain between 19% and 21%.
  • Despite macro-level uncertainty, the bank cites a strong profitability profile and solid capital position as key strengths for continued growth.
  • Analyst recommendations are 2 buys, 9 holds, and 0 sells.

A look at Associated Banc Smart Scores

FactorScoreMagnitude
Value4
Dividend4
Growth3
Resilience3
Momentum4
OVERALL SMART SCORE3.6

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Associated Banc-Corp, a Midwest banking franchise based in Green Bay, Wisconsin, is positioned well for long-term success according to Smartkarma Smart Scores. With solid scores in Value and Dividend at 4 each, the company showcases attractive attributes for investors seeking stability and income. Additionally, Momentum and Growth scores of 4 and 3, respectively, suggest promising future prospects, indicating a positive trajectory in the market. While Resilience comes in at a score of 3, hinting at a moderate level of resilience, the overall outlook for Associated Banc appears optimistic for the long term.

Associated Banc‘s comprehensive range of financial products and services, coupled with its strategic presence in various states including Wisconsin, Illinois, and Minnesota, positions the company as a strong player in the banking sector. The combination of steady value, generous dividends, growth potential, and market momentum highlights a promising future for Associated Banc. Investors eyeing a blend of stability and growth may find this Midwest bank a compelling option for their long-term investment portfolios.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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