So putting all the pieces together, the combination of strong top-line growth and balanced expense management implies meaningful operating leverage within this scenario, with further pre-tax margin expansion into the low 50s.

Jan 21, 2026 / receipt, needs a key / Rick, CEO | earnings call 2026-01-21 | transcript 7ccd188f-73ec-445f-a8a0-46ee62a2ec4f | chars 22553-22778 | segment 22

A focus on disciplined expense management, highlighted by a recognition that our low-cost structure is a big competitive advantage, as Rick talked about, and a scalable business model that enables both margin expansion over time and investments to continue to grow the business, and a business model that can combine that strong organic growth and revenue growth with more meaningful capital return, as our capital levels, inclusive of AOCI, march higher.

Apr 15, 2024 / receipt, needs a key / Walt, CEO | earnings call 2024-04-15 | transcript 92159fc6-76c3-4fc2-a69d-7ac1c1ba59fa | chars 27092-27547 | segment 26

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company_statement / Jul 27, 2026 / receipt

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company_statement / Jul 1, 2026 / receipt

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company_statement / Oct 13, 2025 / receipt

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company_statement / May 3, 2022 / receipt