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FinWise (FINW)
NASDAQ:FINW
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.36Last Year’s EPS
0.23Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong business momentum—notably 22% YoY originations growth, full-year net income up 26%, expanding credit-enhanced balances that boosted NII and NIM, and healthy product/partnership pipeline—while also disclosing near-term headwinds including elevated Q4 net charge-offs, higher provisions, rising noninterest expenses and a higher efficiency ratio. Management characterized the servicing-standard-related charge-offs as a prudent, largely one-time adjustment and highlighted guidance for continued organic credit-enhanced growth and stable core originations; however, risks remain from lumpiness in NPL migrations, SBA processing seasonality, and a measured ramp for payments/BIN revenue. Overall, positives around scale, margin expansion, and product traction meaningfully outweigh the near-term credit and expense noise, with a balanced but favorable forward outlook.Company Guidance
Full-Year Net Income Growth
Net income grew 26% for fiscal 2025, demonstrating material year-over-year profitability improvement for the company.
Strong Loan Originations
Q4 loan originations totaled $1.6 billion, above guidance of $1.4 billion; full-year 2025 originations were $6.1 billion, up 22% year-over-year.
Credit-Enhanced Product Outperformance
Credit-enhanced balances ended Q4 at $118 million, exceeding the $115 million outlook and above initial guidance of $50–$100 million; CFO noted ~ $76.5 million growth in held-for-investment credit-enhanced balances driving higher interest income.
Net Interest Income and Margin Expansion
Net interest income rose to $24.6 million in Q4 from $18.6 million in the prior quarter; net interest margin increased to 11.42% from 9.01% sequentially, largely due to credit-enhanced portfolio growth.
Growth in Noninterest Income and Assets
Noninterest income increased to $22.3 million (from $18.0 million prior quarter); total end-of-period assets grew to $977 million, and average interest-bearing deposits rose to $567.4 million from $523.9 million.
Lower-Risk Portfolio Mix
SBA guaranteed balances and strategic program loans held for sale comprised 34% of the total portfolio at quarter-end, supporting a lower-risk composition.
Product and Partnership Momentum
Pipeline remains healthy; DreamFi strategic program launched to serve underbanked communities; MoneyRails (payments/BIN) is gaining traction as an adjunct product (used for salary deduction repayments, RTP and FedNow) and supports cross-sell opportunities.
Forward Guidance and Growth Targets
Management provided constructive forward outlook: Q1 run rate ~ $1.4 billion originations, FY2026 baseline annualized from that with 5% growth; credit-enhanced balances expected to grow organically $8–$10 million per month; quarterly non-credit-enhanced NCO modeling guidance ~ $3.5 million.
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 |
|---|---|---|---|
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% |
Apr 30, 2025 | $15.12 | $14.55 | -3.77% |
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 Apr 23, 2026, After Close (Confirmed).
What is FinWise (FINW) earnings time?
FinWise (FINW) earnings time is at Apr 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 (Q1) is 0.36.