Management remarks
Call period: 2026 Q2 · 2026-07-24
Guidance: Stephen Squeri: Based on our better-than-expected performance year-to-date, we are raising our full year revenue growth guidance to 10%, and we plan to reinvest this outperformance in growth initiatives across our business.Demand and orders: Christophe Le Caillec: We continue to see good momentum in attracting customers on to our premium products with 75% of new accounts acquired on fee-paying products in the quarter, the highest level we have seen since we increased our focus on premium products.Analyst Q&A
Analyst Terry Ma asked: Can you maybe just give a little bit more color on your net card fee growth guidance in the back half of this year, kind of what's contemplated in that, whether it's just from a step-up the annual fee from the back book? Management Christophe Le Caillec answered: Terry, so let me explain what's happening here. So we're growing card fee at 15%. What I said in my prepared remarks is that we expect that car fee growth rate to accelerate in Q3 and to exit in Q4 in high teens.管理层陈述
电话会期间：2026 Q2 · 2026-07-24
指引：斯蒂芬·斯夸里：基于今年迄今好于预期的业绩，我们将全年营收增长指引上调至10%，并计划将该超额收益重新投入到各业务板块的增长举措中。需求与订单：克里斯托夫·勒卡耶克：我们在吸引客户使用高端产品方面持续保持良好势头，本季度75%的新账户来自付费产品，这是我们加大对高端产品关注以来的最高水平。分析师问答
分析师特里·马询问能否详细说明今年下半年净信用卡费用增长指引的相关细节，包括该指引考量的因素比如存量客户的年费提升情况。管理层克里斯托夫·勒卡耶克回应称，目前信用卡费用增长率为15%，预计第三季度该增速将加快，第四季度末将达到高十几的水平。This earnings research was prepared from company results, regulatory filings, financial statements, and earnings-call transcripts or official replays. It is for informational purposes only and does not constitute investment advice.这篇财报研究基于公司业绩公告、监管文件、财务报表，以及财报电话会议记录或官方回放整理。内容仅供参考，不构成投资建议。
