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Jun 30
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
Bancorp
Bancorp
Bancorp Revenue by Segment
Revenue by Segment
Total Fintech Fees Revenue
CapyFin.comACH & Card Fees Revenue
CapyFin.comPrepaid & Debit Card Fees Revenue
CapyFin.comConsumer Fintech Fees Revenue
CapyFin.comLeasing Income Revenue
CapyFin.comFintech Loan Credit Enhancement Revenue
CapyFin.com 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
- Higher regulatory scrutiny on fintech partnerships possible