GET
/
api
/
v1
/
summaries
curl --request GET \
  --url http://api.getaltdata.com/delivery/api/v1/summaries
[
  {
    "summary_id": "cdc26465-ae2a-4950-be15-e60771ea348b",
    "transcript_id": "b0dbfd4e-9643-4279-9434-677082458831",
    "call_id": "677cd164e4d6050001053dd1",
    "summary": "- Grew 3%. Emergency room visits increased 2.4%. Inpatient surgeries were up 2.8%. Outpatient surgery cases while down 1.3%. Our earnings guidance for 2025 aligns with the preliminary outlook we provided on our prior call.\n- The hurricanes as well had an impact on volume growth, you know, primarily in October. Our estimates are somewhere between 20 and 40 basis points of drag on volume in the quarter related to hurricanes. And the pace of recovery throughout 2025, including any explicit EBITDA assumptions around hurricanes in the guidance.\n- Was there any explicit EBITDA assumption for hurricanes in the guidance? Yeah. The guidance really contemplates that the increase at Largo and the decline at North Carolina are expected to offset and are not expected to produce a tailwind for us in 2025.\n- Professional fees are about 24% of other operating expenses. We expect the cost pressures related to physician costs to moderate a bit further in 25, but it's still going to be higher than just normal inflationary cost trends. We do not expect it to be a material impact in 25.\n- We had no impact at our Southern California hospitals as a result of the fires. In Riverside, California, there's been some fires in the proximity that have produced some smoke issues. And we're iterating, if you will, on our plan there to advance it even further.\n- Frank Morgan: That concludes our Q and A session. I would now like to turn the call over back to Frank Morgan for closing remarks. We hope you have a good weekend.",
    "language": "en-US",
    "created_at": "2025-01-24T16:07:10.306607Z",
    "updated_at": "2025-01-24T16:07:10.306607Z"
  },
  {
    "summary_id": "8768f87f-7378-4bb3-adc3-0ab57eefc8e1",
    "transcript_id": "44b59961-2302-465e-92e9-8b41b9266bc6",
    "call_id": "677b80c2b19d28000170adf4",
    "summary": "- Ability to build out the preeminent commercial bank in Chicago, a softer approach to bank regulatory environment and the expectation of higher M and A activity will continue to create disruption in our local market. Much of our success has been driven by our commercial banking strategy and the teams and the people who make up those teams.\n- Just curious if you can speak to kind of the repricing gap within the CD portfolio and how much additional funding cost leverage you guys may have on the non CD side of the book. A normalized yield curve now is making kind of liquid accounts a bit more attractive than CDs.\n- Our next question comes from the line of Brendan Nosel with HOFDE Group. Maybe just spend a minute on where lost content originated from during the fourth quarter. The SBA portfolio is largely where losses have been centered.\n- What's left on the punch list to wrap up internal prep for that threshold? And then two, the asset base is a little bit larger than I was thinking for the quarter. How much flex do you have across 2025 to keep the balance sheet below 10 at year end?\n- Tom, you talked about mid single digit loan growth in 2025. What are your thoughts on the payoffs which you noted earlier picked up in the fourth quarter? And then when you take a step back, what markets or portfolios are positioned to generate that growth.\n- Our next question comes from Brendan Nosar with HOFDE Group. Does that quarterly outlook for 55 to 57 million include first security or is that on a standalone basis? I will now turn the call back over to Mr. Alberto Paracini for any closing remarks.",
    "language": "en-US",
    "created_at": "2025-01-24T16:06:53.678936Z",
    "updated_at": "2025-01-24T16:06:53.678936Z"
  },
  {
    "summary_id": "789688da-274a-4529-b8dd-4452748aef54",
    "transcript_id": "10dd1841-14a5-4491-99e7-379dff6861b6",
    "call_id": "6791fa6a85d8b100013d52f0",
    "summary": "- We experienced severe damage to our Tewkesbury commercial aircraft facility in September. We have regained production capacity within eight weeks of the event. Reinstatement of our production facility will continue through fiscal 25. We published a second sustainability report in December 2024.\n- Finally, turning to cash, we're still projecting free cash flow conversion in FY25 to be in the 50% to 75% range. Free cash flow in the second quarter will improve markedly from the first quarter. Overall, FY25 is shaping up another great year.\n- The first question is from John Tenrantan from CJS Securities. Pat, could you talk about your CCA involvement. How much of an opportunity is that relative to other large programs such as flair or F35? And when do you see that layering in?\n- I was wondering if you could talk about the Boeing investment in the 787 production line. And then how you drove so many aftermarket orders with, in the commercial space with Tewksbury down. Is that just a testament to how quickly you're getting it back up or is there other capacity?\n- You called out in the release the warranty expense, excluding that 14.4% margins, that looks to be a multi year high. Why, why didn't you opt to just adjust out that warranty expense? And should we think about that level being sustainable?\n- The conference has now ended. Thank you all for joining. You may all disconnect your lines.",
    "language": "en-US",
    "created_at": "2025-01-24T16:06:37.103058Z",
    "updated_at": "2025-01-24T16:06:37.103058Z"
  },
  {
    "summary_id": "47219298-7355-4dc4-a5bf-561dd84702bb",
    "transcript_id": "bbb16e24-e324-4374-8266-ab7793c50a37",
    "call_id": "6784e6e8b19d2800017205a5",
    "summary": "- Quarter of 2024, we reported a net income of $33 million or $0.26 per diluted share. Our net interest margin expanded by 13 basis points this quarter to 3.42%. Credit quality remains strong with overall allowance coverage decreasing to 1.04%.\n- We are looking at decent pipeline. Strength in our pipelines right now for commercial. We also will take advantage of opportunities to grow consumer loans when those opportunities present themselves. Overall guide of some modest balance sheet growth next year.\n- The securities book remains a little bit of a drag on the NIM overall from a dollar perspective. If there is an opportunity over the course of the year to consider a balance sheet or investment securities reposition, we would probably take advantage of that.\n- A lot of your peers in similar situations as you with lower CRE concentrations have been nibbling back into the commercial real estate space. Is it fair to consider that that portion of the the loan portfolio flattish for the year?\n- As you exit 2025, do you think there's an upward bias to the NIM given the shape of the yield curve? And then I was hoping you could also go into expectations around loan and deposit betas, expectations for the year.\n- Dov Schozer: We appreciate your interest in Northwest and taking time with us on the call. If you would like to ask a question, press Star one on your telephone keypad. That concludes today's call.",
    "language": "en-US",
    "created_at": "2025-01-24T16:06:05.204267Z",
    "updated_at": "2025-01-24T16:06:05.204267Z"
  },
  {
    "summary_id": "e4f1c19c-fb55-487f-92b7-5fd419ff4524",
    "transcript_id": "586242aa-8bd6-47ce-a32c-475c3665b8d7",
    "call_id": "675fdb30aed0910001a350ba",
    "summary": "- This is the American Express Q4 2024 earnings call. At this time all participants are in a listen only mode. Later we will conduct a question and answer session. If you wish to ask a question, please press star then 1.\n- Christoph, where the acceleration came from in spending. Is it more discretionary versus travel type? And then if we think about the upside to the revenues, I mean do you think that there would be an Upside to the EPS range or.\n- As far as billings, go for the quarter, you saw consumer come up, it was 9% which was two points above where we had been running. International continues to perform very, very well both from an SME perspective and from a consumer perspective. And you know, the team here is looking at whether it's going to expand into 2025.\n- When I look at the proprietary net. Cards acquired, it looked like it slowed. Down a bit in the fourth quarter. As we think about what's going to drive the billing strength in 2025, particularly. in light of the modest increase in marketing expenses.\n- Consumer and business confidence has really been climbing. International has just been strong. We would expect again to be at the high end of, of the range from a revenue perspective. But hope is not a plan. We do our plan based upon what we saw at the time.\n- The webcast replay will be available on our investor relations website shortly after the call. You can also access a digital replay of the call at 877-660-6853 or 2016-1274 access code 137-50743. That will conclude our conference call for today.",
    "language": "en-US",
    "created_at": "2025-01-24T14:32:54.681782Z",
    "updated_at": "2025-01-24T14:32:54.681782Z"
  },
  {
    "summary_id": "18a388bf-91c9-4233-80a9-6b3d78f9f056",
    "transcript_id": "268428de-3ccc-4538-8956-000c9fa1612b",
    "call_id": "677b8070b19d28000170ade6",
    "summary": "- First Financial Bancorp Fourth Quarter 2024 Earnings Conference Call and webcast. All lines have been placed on mute to prevent any background noise. After the Speaker's remarks, there will be a question and answer session.\n- Loan pipelines remain healthy, but we expect loan growth to moderate as we approach seasonal lows in activity. On fee income, we expect to be between 63 and $65 million. We expect to maintain our dividend at the current level. We will now open up the call for questions.\n- Your first question comes from the line of Daniel Tamayo from Raymond James. Just curious if that's a There's some seasonality in the first quarter number or something unusual there. And just kind of your comments on loan growth throughout the year, if you have some.\n- And I guess then shifting over to the margin one for Jamie, you gave the range 385 to 390 in the first quarter. Just curious how you're thinking about the rest of the year and how the fed funds cuts would play into that.\n- You guys have been expanding into new markets. How quickly do you think they may turn into meaningful growth for the bank. And if there's any other markets that you've got your eye on for.\n- Archie Brown: I want to thank everybody for joining us today and hearing about our quarter and our year. We're excited about 2025 and we look forward to talking with you again in a few months. Have a good day.",
    "language": "en-US",
    "created_at": "2025-01-24T14:02:28.129946Z",
    "updated_at": "2025-01-24T14:02:28.129946Z"
  }
]

Headers

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x-api-key
integer

Query Parameters

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limit
integer

int, example: 50

Response

200 - application/json
OK

The response is of type object.