Q1: 2026-05-07 Earnings Summary

EPS of $1.26 misses by $0.03

 | Revenue of $521.66M (9.46% Y/Y) misses by $9.84M

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Operator

Good day, and thank you for standing by. Welcome to Upwork Q1 2026 Earnings Conference Call. [Operator Instructions] Please be advised that today’s conference call is being recorded. I would now like to hand the conference over to your first speaker, Gary Fuges, VP of Investor Relations at Upwork.

Gary Fuges
Vice President of Investor Relations

Thank you, and welcome to Upwork’s discussion of its first quarter 2026 financial results. Joining me today are Hayden Brown, Upwork’s President and Chief Executive Officer; and Erica Gessert, Upwork’s Chief Financial Officer. Following management’s prepared remarks, they will be happy to take your questions. But first, I’ll review the safe harbor statement.

During this call, we may make statements related to our business that are forward-looking statements under federal securities laws. Forward-looking statements include all statements other than those of historical fact. These statements are not guarantees of future performance, but rather are subject to a variety of risks, uncertainties and assumptions. Our actual results could differ materially from the expectations reflected in any forward-looking statements. For a discussion of the material risks and other important factors that could affect our actual results, please refer to our SEC filings available on the SEC website and on our Investor Relations website as well as the risks and other important factors discussed in today’s earnings press release. Additional information is also available in our quarterly report on Form 10-Q for the quarter

Operator

Good morning, and welcome to Grupo Supervielle’s First Quarter 2026 Earnings Call. I’m Ana Bartesaghi, Treasurer and IRO.

[Operator Instructions] [Foreign Language] Today’s conference call is being recorded. Speaking today are Patricio Supervielle, our Chairman and CEO; Gustavo Paco Manriquez, CEO of Banco Supervielle; and Mariano Biglia, our CFO. Diego Pizzulli, CEO of invertironline, will also be available during the Q&A session. [Foreign Language]

Before we begin, please note this call may include forward-looking statements. Please refer to our earnings release and SEC filings for further details. Patricio, please go ahead. [Foreign Language]

Julio Patricio Supervielle
Founder, Chairman of the Board & CEO

Thank you, Anna. Good morning, everyone, and thank you for joining us today. The first quarter marked an early but important step in our earnings recovery with underlying profitability returning to positive territory, excluding extraordinary severance charges.

We maintain a disciplined approach to growth. Loans declined sequentially, reflecting seasonally lower demand in local currency lending and our continued focus on selective origination. U.S. dollar loans grew 13% in original currency terms, although peso appreciation masks growth when reported in local currency.

We also further optimized our funding mix by reducing higher-cost wholesale deposits and strengthening deposit quality. Asset quality showed early signs of stabilization, while the NPL ratio stood at 5.6% at quarter end, delinquency trends improved slightly through March following the February peak.

In parallel, cost of risk improved

Operator

Good afternoon, ladies and gentlemen, and welcome to the Mitek Reports Fiscal Second Quarter 2026 Financial Results.

[Operator Instructions] This call is being recorded on Thursday, May 7, 2026. I would now like to turn the conference call over to Mr. Ryan Flanagan with IRC. Please go ahead.

Ryan Flanagan

Thank you, operator. Good afternoon, and thank you for joining us today to discuss Mitek’s Fiscal Second Quarter 2026 financial results.

Joining me today are Chief Executive Officer, Ed West; and Chief Financial Officer, Dave Lyle. Please note that today’s call will include forward-looking statements and because these statements are based on the company’s current intent, expectations and projections, they are not guarantees of future performance, and a variety of factors could cause actual results to differ materially. A description of these risks and uncertainties can be found in our 10-Q filing dated May 7, 2026, and our other SEC filings.

These forward-looking statements include, but are not limited to, our expectations around customer demand for our products and services, expansion of our Check Fraud Defender or CFD, data consortium, the ongoing stability of our check verification business, our growth and investment plans, expected improvements in gross profit and unit economics, improvement to operating leverage and scale, expected free cash flow conversion rates and our FY ’26 financial outlook and guidance.

Except as required by law, we do not undertake any obligation to update these forward-looking statements. This call will also include references to non-GAAP adjusted results. Please reference this afternoon’s press release and our Investor