FinWise (FINW)
NASDAQ:FINW
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.24Last Year’s EPS
0.29Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a mixed near-term picture: the business shows clear growth momentum (strong originations, rapid scaling of a credit-enhanced product, interchange growth, a strengthening partner pipeline and a robust capital position) but is contending with meaningful near-term headwinds (elevated and concentrated SBA charge-offs, weaker noninterest income, a worsening efficiency ratio and deposit/asset runoff). Management reaffirmed key longer-term targets and emphasized that the credit issues are concentrated and actively managed, while also cautioning that charge-offs and NPLs may remain elevated over the next few quarters. Overall, the tone is cautiously constructive on long-term opportunity but guarded on near-term earnings and credit performance.Company Guidance
Strong Loan Originations
Total loan originations of $1.7 billion in Q1 2026, up 38% year-over-year and above the company baseline guidance of $1.4 billion quarterly.
Rapid Scale of Credit-Enhanced Portfolio
Credit-enhanced balances reached $109 million at quarter-end, up from virtually $0 a year ago; management continues to target organic growth of $8 million to $10 million per month for full-year 2026 (though growth was slower in Q1).
Net Interest Income and Margin Expansion (Including Accounting Effect)
Net interest income grew to $28.1 million from $24.6 million in the prior quarter (+~14.2% sequential). Reported net interest margin increased to 12.9% versus 11.42% in the prior quarter (note: this includes a change in estimate allocation related to credit-enhanced loans).
Interchange and Payments Traction
Interchange income increased to $703,000 from $310,000 sequentially (+~127%), reflecting early contributions from the new credit card portfolio and cross-sell between card programs and credit-enhanced partners.
Improved Tangible Book Value Per Share
Tangible book value per share grew to $14.34 at the end of Q1 2026, reflecting balance sheet and capital progress.
Strong Capital Position
Bank leverage ratio of 16.8%, described as nearly double the well-capitalized minimum requirement, indicating a robust capital buffer to support growth and credit actions.
Strengthening Partner Pipeline and Strategic Progress
Management reports a materially strengthening partner pipeline across lending, cards and payments, added two seasoned business development hires, announced new programs (including Vera), and continues to win and onboard partners.
Lower Provision Sequentially (Versus Prior Quarter)
Provision for credit losses decreased to $10.6 million in Q1 from $17.7 million in Q4 2025, reflecting moderation of provisioning tied to the prior quarter ramp of credit-enhanced programs.
AI and Efficiency Initiatives
Established a dedicated AI and innovation team focused on developer productivity, automation and operational workflows; management emphasizes disciplined expense control for core operating expenses (excluding credit-enhancement accounting effects).
FINW Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FINW Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2026 | $15.55 | $14.96 | -3.79% |
Jan 29, 2026 | $18.45 | $17.51 | -5.09% |
Oct 29, 2025 | $17.82 | $18.66 | +4.71% |
Jul 24, 2025 | $15.66 | $17.29 | +10.41% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does FinWise (FINW) report earnings?
FinWise (FINW) is schdueled to report earning on Jul 23, 2026, After Close (Confirmed).
What is FinWise (FINW) earnings time?
FinWise (FINW) earnings time is at Jul 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FINW EPS forecast?
FINW EPS forecast for the fiscal quarter 2026 (Q2) is 0.24.