The Bancorp Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw 18% EPS growth, 15% revenue growth, and strong fintech-driven loan expansion. Guidance for 2026 EPS is $5.90, with major fintech initiatives and buybacks driving future accretion. Credit metrics and deposit growth remain robust.
Fiscal Year 2025
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Q4 2025 delivered 11% EPS growth and record ROE, with fintech initiatives and credit sponsorship driving strong results. 2026 guidance targets $5.90 EPS, supported by platform efficiency, AI, and continued buybacks. Criticized assets and delinquencies improved significantly.
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Q3 2025 saw 13% EPS growth and strong fintech-driven revenue gains, but 2025 EPS guidance was lowered to $5.10 due to higher leasing credit provisions and lower traditional lending. Major fintech initiatives and AI-driven efficiency are expected to drive future EPS growth and capital returns.
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Q2 2025 saw 21% EPS growth and strong fintech-driven revenue, with a major new Block partnership set to boost future GDV and fees. Share repurchase was raised to $500M, and Project 7 targets $7 EPS by end-2026. Credit quality remains stable, with risk in the Rebel portfolio managed.
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Q1 2025 EPS rose 12% year-over-year to $1.19, driven by strong Fintech Solutions growth and higher fee income, despite a 3% decline in net interest income due to lower rates. 2025 EPS guidance is reaffirmed at $5.25, with credit sponsorship balances expected to surpass $1 billion.
Fiscal Year 2024
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Q4 and full-year 2024 EPS rose 41% and 23% year-over-year, driven by strong Fintech fee growth, higher deposits, and share buybacks. 2025 guidance is $5.25 EPS, with continued robust GDV and fee growth expected, and a focus on product diversification and risk management.
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Q3 2024 saw strong Fintech-driven revenue and fee growth, with EPS at $1.04 and robust GDV and deposit increases. Substandard multifamily loans are believed to be at or near peak, and 2025 guidance projects stable margins and double-digit Fintech growth.
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Q2 2024 saw 7% revenue growth, 27% ROE, and strong fintech momentum, with credit sponsorship and embedded finance driving guidance higher. NIM contracted to 4.97%, but capital and risk positions remain robust amid regulatory scrutiny.