CFC specializes in providing enduring financial solutions for extensive electrical infrastructure, covering everything from power distribution networks to energy generation facilities. Furthermore, ...
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| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $424.1M | +45.0% | +323.5% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $262.1M | +87.6% | +861.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +100.0% | 0.0% | 0.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +63.7% | +24.8% | +105.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +61.8% | +29.4% | +127.2% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $308.8M | +52.2% | -20.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +72.8% | +5.0% | -81.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 1018.2% | -2.7% | -7.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.11x | +3.8% | -0.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $39.7B | +3.6% | -0.5% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | — | — | — | — |
| Revenue Surprise | — | — | — | — |
Operator: Good day, and welcome to the National Rural Utilities Cooperative Finance Corporation, Financial Year 26 Fiscal Year End Investor Conference Call. Today's call is being recorded. At this time, I would like to turn the conference over to Heesun Choi, VP, Capital Markets Relations. Please go ahead. Heesun Choi: Thanks, operator. Good morning, everyone, and welcome to our investor conference call for the fiscal year of 26. We appreciate your time and interest in our company. Joining me today are CEO, Andrew Don and our CFO, Ling Wang. Andrew and Ling will provide an update on our fiscal year 26 results and answer your questions. Before we get started, I would like to remind you that today's presentation slides and financial reports filed with the SEC can be found on our website at nrucfc.coop under investor relations. This call is being recorded. And a replay and transcript will be available on our website as well. Our presentation today will include forward looking statements and certain non GAAP financial measures. Please review the disclosures on Slide 2 and 3 regarding these statements and measures. Any forward looking statements made during today's call are subject to risks and uncertainties. Factors that may cause actual results to differ materially from expectations are described on slide 2 and in our annual and quarterly reports filed with the SEC. Information about any non GAAP financial measures referenced during the presentation including reconciliations to GAAP measures can also be found in our Form 10-K filed with the SEC on 07/31/2026. As well as in the appendix of the presentation slides. At the end of the presentation, we will open the call for questions. Andrew and Ling will take your questions which you can ask over the phone or submit online. With that, I will now pass this call over to Andrew. Andrew Don: Thank you, Heesun. Good morning. Thank you for joining our call today to review our business operating results for the fiscal year ended 05/31/2026. I am pleased to report on the completion of another strong year marked by continued strong loan demand from our members solid and stable financial performance, and the outstanding credit quality of our loan portfolio. I will start on slide 5. To discuss highlights from fiscal year 2026. Fiscal year 2026 was another successful year for CFC as we continued to deliver healthy, balanced financial results while remaining focused on our long term mission of providing reliable, cost effective financing to our electric cooperative members. I would like to summarize our fiscal year 2026 by highlighting 4 key components of our business model. Namely the continued strong loan demand from our membership, a strong equity position, a superior quality loan portfolio, and high investment grade credit ratings. During the fiscal year 2026, loans to members increased by approximately 1.3 billion or 4% to 38.4 billion primarily driven by a growth in long term loans reflecting continued …
National Rural Utilities Cooperative Finance Corporation 5.5% SUB NT 64 (NRUC) Q4 2026 Earnings Call Prepared Remarks Transcript
CFC has completed its analysis of the 2025 Key Ratio Trend Analysis, an annual report of financial trends among U.S. electric distribution cooperatives.
