STEL
Stellar·NYSE
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STEL fundamentals
Stellar (STEL) released its earnings on Oct 24, 2025: revenue was 105.63M (YoY -7.17%), missed estimates; EPS was 0.5 (YoY -20.63%), beat estimates.
Revenue / YoY
105.63M
-7.17%
EPS / YoY
0.5
-20.63%
Report date
Oct 24, 2025
STEL Earnings Call Summary for Q3,2025
- Net Interest Margin Expansion: NIM improved to 4.0% (excl. accretion), driven by deposit growth and disciplined pricing.
- Deposit Growth Momentum: 51% of new deposits from new clients, with YTD loan originations up 62%.
- Credit Stability: Allowance ratio at 1.1%, with stable charge-offs despite market volatility.
- Capital Deployment: $5 million in share buybacks, with focus on maintaining capital flexibility.
- Expense Management: Q3 outlier due to one-time costs; Q4 expenses expected to normalize.
EPS
Revenue
Revenue & Expenses
Key Indicators
Stellar (STEL) key financial stats and ratios, covering profitability, financial health, and leverage.
Stellar (STEL)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Stellar (STEL)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Stellar (STEL)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Stellar (STEL) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Stellar (STEL) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
You can ask Aime
Did Stellar beat or miss consensus estimates last quarter?What does Stellar do and what are its main business segments?What guidance did Stellar's management provide for the next earnings period?What is Stellar's gross profit margin?What is Stellar's latest dividend and current dividend yield?What were the key takeaways from Stellar's earnings call?What were the key takeaways from Stellar’s earnings call?What factors drove the changes in Stellar's revenue and profit?
