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Element Fleet Management (EFN) investor relations material
Element Fleet Management Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Net revenue grew 10% year over year in Q3 2025 to $306 million, with strong performance across all revenue streams and a capital-light model now representing 58% of total net revenue.
Adjusted diluted EPS increased 14% year over year to $0.33, driven by top-line growth, margin expansion, and a lower share count.
Adjusted free cash flow per share rose 17% year over year to $0.42, and adjusted return on equity expanded to 18.8% from 16.9% a year ago.
Vehicles under management increased 2% year over year to 1.53 million, with record $342 million in originations in Mexico.
$61 million was returned to shareholders in Q3 via dividends and share repurchases, with 4.1 million shares repurchased YTD for $87 million.
Financial highlights
Q3 2025 net revenue: $306 million (+10% YoY), services revenue: $156 million (+6% YoY), net financing revenue: $130 million (+12% YoY), and syndication revenue: $20 million (+20% YoY despite a 37% drop in volume).
Adjusted operating income reached $178 million (+10% YoY), with an adjusted operating margin of 58% (+30bps YoY, +220bps QoQ).
Adjusted free cash flow per share was $0.42 (+17% YoY), and adjusted ROE was 18.8% (+190bps YoY).
Debt-to-capital ratio at 75.7%, within the target range of 73–77%.
Allowance for credit losses as a percentage of finance receivables remained low at 0.01%–0.10%.
Outlook and guidance
Entering Q4 with positive momentum and expecting to finish 2025 at or above the high end of guidance for all metrics except originations.
Full-year 2025 guidance: net revenue $1,160–$1,185 million, adjusted operating income $645–$670 million, adjusted operating margin 55.5%–56.5%, adjusted EPS $1.20–$1.25, adjusted free cash flow per share $1.48–$1.53, originations $6,900–$7,100 million.
Guidance incorporates headwinds from Mexican Peso depreciation, higher local funding costs, and reduced U.S. bonus depreciation.
2026 financial guidance and dividend outlook to be provided with Q4 results.
2025 effective tax rate expected between 24.5% and 26.5%.
NFR yield: What drives further expansion?
Element Mobility's strategic expansion beyond fleet?
Path to double-digit services revenue growth?
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Next Element Fleet Management earnings date
Q4 20253 Mar, 2026
Next Element Fleet Management earnings date
Q4 20253 Mar, 2026
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Frequently asked questions
Element Fleet Management Corp is a Canadian company that provides fleet management services and financing solutions for commercial vehicles. The company offers vehicle acquisition, maintenance, fuel management, telematics, and resale services to corporate and government clients. It operates in North America, Australia, and New Zealand. Element Fleet Management Corp is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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