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Jun 30, 2025
Bancorp Q2 2025 Earnings Report
Bancorp reported strong Q2 2025 results with higher earnings and continued fintech growth.
Key Takeaways
The Bancorp posted solid second-quarter results driven by fintech revenue growth and strong payment volumes. Net income rose 11% year-over-year, supported by expanding fintech partnerships and stable credit quality despite higher allowance for credit losses.
Net income grew to $59.8M, with EPS of $1.27, up 21% year-over-year
Gross dollar volume surged to $43.65B, an 18% YoY increase
Tier 1 capital ratio remained strong at 14.42%
Book value per share rose 18% to $18.60
Revenue by Segment
Forward Guidance
The Bancorp expects continued fintech revenue growth, higher payment volumes, and stable credit performance, maintaining its full-year EPS guidance of $5.25.
Positive Outlook
- Fintech partnerships expanding with strong organic growth
- Targeting $7 EPS run-rate by Q4 2026 via Project 7
- Strong capital ratios above regulatory minimums
- Growing consumer fintech loan portfolio with guarantees
- Book value per share continues to increase with buybacks
Challenges Ahead
- Net interest margin declined year-over-year to 4.44%
- Allowance for credit losses increased due to fintech loan growth
- Nonperforming loans rose to 0.96% of total loans
- Macroeconomic uncertainties could impact lending demand
Historical Earnings Impact
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Avg. Return Before/After Earnings
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