Latest news with #crossselling
Yahoo
03-07-2025
- Business
- Yahoo
The 5 Most Interesting Analyst Questions From PAR Technology's Q1 Earnings Call
PAR Technology's first quarter results drew a positive market reaction, as the company delivered significant year-over-year revenue growth and margin improvement despite missing Wall Street's revenue expectations. Management credited the strong performance to increasing adoption of its multiproduct suite, with CEO Savneet Singh highlighting that 'all deals were multiproduct in nature' and emphasizing the impact of cross-selling and integrated product offerings. The company also noted that its recent acquisition strategy and focus on recurring revenue have contributed to improved operating leverage and higher subscription gross margins. Is now the time to buy PAR? Find out in our full research report (it's free). Revenue: $103.9 million vs analyst estimates of $105.4 million (48.2% year-on-year growth, 1.4% miss) Adjusted EPS: -$0.01 vs analyst estimates of -$0.04 (76.7% beat) Adjusted EBITDA: $4.54 million vs analyst estimates of $4.09 million (4.4% margin, relatively in line) Operating Margin: -15.2%, up from -38.2% in the same quarter last year Annual Recurring Revenue: $282.1 million at quarter end, up 51.9% year on year Market Capitalization: $2.71 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Mayank Tandon (Needham): Asked about the timing and scale of upcoming revenue from new deals. CEO Savneet Singh replied that the impact of these wins would become more visible in the second half of the year, leading to both revenue and EBITDA expansion. Stephen Sheldon (William Blair): Inquired about the visibility for organic ARR growth in the coming year. Singh stated that while it is too early to forecast 2026 precisely, the company feels confident due to recent multi-product wins and a strong sales pipeline. Will Nance (Goldman Sachs): Sought clarity on foreign exchange impacts to ARR and revenue. CFO Bryan Menar confirmed that most of the FX exposure is due to Australian and New Zealand operations, and that about 20% of ARR is now international. Charles Nabhan (Stephens): Asked about the gross margin impact of the growing Payments business. Singh explained that Payments remains margin-dilutive but is improving, and still accounts for less than 10% of revenue. George Sutton (Craig-Hallum): Questioned the evolution of customer needs from single-product RFPs to broader suite adoption. Singh confirmed the trend toward combined offerings and noted that more customers are seeking integrated solutions rather than standalone products. Looking ahead, the StockStory team will be monitoring (1) the pace at which Tier 1 customer rollouts like Burger King and Popeyes translate into reported revenue growth, (2) the degree of success achieved in cross-selling and integrating new product modules across the Operator and Engagement Cloud platforms, and (3) the company's ability to maintain margin expansion as the mix shifts toward higher-value subscription and payments revenue. Progress on new product launches and resilience against macroeconomic and tariff-related risks will also be important indicators. PAR Technology currently trades at $66.82, up from $62.39 just before the earnings. At this price, is it a buy or sell? Find out in our full research report (it's free). The market surged in 2024 and reached record highs after Donald Trump's presidential victory in November, but questions about new economic policies are adding much uncertainty for 2025. While the crowd speculates what might happen next, we're homing in on the companies that can succeed regardless of the political or macroeconomic environment. Put yourself in the driver's seat and build a durable portfolio by checking out our Top 6 Stocks for this week. This is a curated list of our High Quality stocks that have generated a market-beating return of 183% over the last five years (as of March 31st 2025). Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,545% between March 2020 and March 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+354% five-year return). Find your next big winner with StockStory today.
Yahoo
18-06-2025
- Business
- Yahoo
PGR's Property Insurance Fuels Growth: Can it Sustain the Momentum?
The Progressive Corporation PGR offers personal property insurance to homeowners, renters, and other property owners. Progressive has been consistently putting in efforts to further penetrate customer households through cross-selling auto policies and Progressive Home Advantage (PHA). This strategy enhances revenue diversification, reduces its dependence on auto insurance and strengthens customer retention and lifetime value by bundling enables Progressive to deepen customer engagement and reduce acquisition costs, thus providing a competitive advantage by leveraging its extensive auto insurance customer base for cross-selling opportunities. The buyout of American Strategic Insurance and investments in multi-product capabilities further support PGR's expansion into personal lines disciplined underwriting approach, conservative reserving, and strong reinsurance protection help manage property loss volatility. Geographic diversification helps mitigate exposure to high-catastrophe regions. The insurer is extending its data-driven underwriting and advanced telematics—initially developed for auto insurance—into the property segment to refine risk assessment and streamline claims rising consumer demand for integrated insurance solutions, Progressive is well-positioned as a one-stop provider for personal insurance needs. Its ability to bundle property and auto coverage reinforces its market positioning. Supported by a strong brand reputation, scalable infrastructure and innovative pricing technologies, Progressive is poised to capture a greater share in the expanding personal property market. While the property segment remains smaller than auto, it holds significant potential to drive future earnings growth and valuation upside. The personal property insurance businesses of The Allstate Corporation ALL and The Travelers Companies Inc. TRV have been instrumental in driving the long-term growth of these auto insurers. Allstate's growth is being driven by its personal property insurance business, supported by strategic pricing actions, broader distribution reach and stronger customer retention through bundling. Increased demand for homeowners and renters insurance, coupled with disciplined underwriting, is leading to higher premium growth and improved profitability at is experiencing growth in its personal property insurance business on solid renewal premium increases, prudent risk selection and strategic pricing. Its focus on customer retention and digital innovation is reinforcing its market position, leading to higher premium income and improved underwriting performance for Travelers. Shares of PGR have gained 10.9% year to date, outperforming the industry. Image Source: Zacks Investment Research PGR trades at a price-to-book value ratio of 5.39, above the industry average of 1.56. But it carries a Value Score of C. Image Source: Zacks Investment Research The Zacks Consensus Estimate for PGR's second-quarter and third-quarter 2025 EPS has moved up 11.6% and 1.4%, respectively, over the past 30 days. The same for full-year 2025 and 2026 has increased 2.3% and 0.7%, respectively. Image Source: Zacks Investment Research The consensus estimates for PGR's 2025 and 2026 revenues and EPS indicate year-over-year increases. PGR stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Travelers Companies, Inc. (TRV) : Free Stock Analysis Report The Allstate Corporation (ALL) : Free Stock Analysis Report The Progressive Corporation (PGR) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Forbes
03-06-2025
- Business
- Forbes
Agility Amid Market Shifts: Leading With Holistic Solutions In 2025
Mike Vietri is Chief Distribution Officer for AmeriLife, a national leader in distributing and marketing insurance and financial solutions. getty Change isn't slowing down. If anything, it's speeding up. And in 2025, we're dealing with more than just new rules or regulations. We're seeing big shifts in what consumers expect, how products perform and where market demand is headed. I've seen firsthand how staying ahead of those shifts can be the difference between barely keeping up and breaking through. When you give your teams the tools to respond early—whether that means adjusting to new product trends or helping clients rethink their financial goals—they start moving with confidence, not hesitation. Here are a few things we've done that might help you do the same. It's one thing to tell your team to adapt; it's another to teach them how. That's why we've emphasized education—not just generic training, but real-time, practical learning that helps people stay sharp when the market starts to move. Take annuities, for example. When the momentum started to shift from Fixed Indexed Annuities (FIAs) to Multi-Year Guaranteed Annuities (MYGAs), we saw it coming. Instead of sitting back and watching, we doubled down on helping our producers understand how to use laddered solutions to meet client needs in the new environment. That shift gave them a strategic edge, not just a reaction. The same goes for cross-selling. We didn't just encourage it; we taught our producers how to identify client needs outside the obvious. Helping clients starts with seeing their full financial picture, not just stacking products on a shelf. If you're trying to build a more responsive team, this is where I'd start. Help them read the market. Help them connect the dots for their clients. The more they understand the "why" behind a shift, the better they'll be at turning it into a win. There's no shortage of tools out there. But if your team isn't using them to spot trends, move faster or improve conversations with clients, you're not getting much return. We've invested in tech that makes life easier—platforms that help producers track what clients care about and tools that give them insight into where the market's headed next. What truly matters isn't the platform itself but how it helps your team pivot, adapt and serve with greater precision. In my view, technology should help you move with purpose. The goal isn't to chase trends or check a digital transformation box. It's to give you the speed and insight to make better decisions faster. When you can act before the competition sees the shift coming, you can gain real ground. There's no shortage of M&A activity in this industry. But the partnerships that work—the ones that drive value—are those that feel like extensions of your mission, not just your balance sheet. We've had the most success when we focus on strategic fit. Does this partnership give us better tools? Reach new clients? Help us serve more holistically? If the answer is yes, we move forward. If you're clear about your long-term goals, you won't get distracted by flashy opportunities that may not help you grow. In a cautious market, thoughtful expansion can still be the smartest play in the book. The last few years have made one thing very clear: You can't rely too heavily on any one channel, product or market. At AmeriLife, we've worked hard to build out both our health and wealth offerings, and it's made a difference. When one side slows, the other usually picks up. That balance helps us keep moving forward even when the market gets shaky. But it's not just about what you offer—it's how fast you can adapt. The teams that are trained to shift gears when needed—not panic, but actually adjust—are the ones that keep winning. If you're trying to build something resilient, I'd say this: Spread out your risk and make sure your team has the confidence and support to change course when the market demands it. When things are uncertain, the worst thing you can do is go quiet. People need clarity. They need direction. And, sometimes, they just need to know someone's paying attention. We've always tried to be upfront with our teams, clients and partners. When regulations start to shift or the market gets turbulent, we hold calls and meetings. We share what we know, what we don't and what we're doing about it. That kind of communication does more than reduce anxiety. It builds trust. It reminds people they're not navigating things alone and keeps everyone focused on what they can control. You don't need all the answers to be a good communicator. You just need to show up, be honest and keep showing up. Things are changing. They always are. But if I've learned anything, it's that the strongest teams aren't the ones waiting for certainty but rather those that act with purpose when things are still unclear. Whether you're focused on educating your team, investing in tech, expanding thoughtfully or communicating with more intention, take the steps now. Don't wait until the dust settles. If you do it right, you won't just make it through the next wave of change. You'll be better positioned, more trusted and more capable on the other side. Forbes Business Council is the foremost growth and networking organization for business owners and leaders. Do I qualify?
