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10-Q2026-02-04· deepseek-v4-flash

SNEX · StoneX Group Inc.

0000913760-26-000017

SEC filing

Summary

StoneX Group delivered record quarterly net operating revenues and net income, fueled by robust metals trading and equity/fixed income markets, while the RJO acquisition contributed significantly to growth.

Key takeaways

Full analysis

Period Performance

StoneX Group reported strong results for the first quarter of fiscal 2026, with total revenues reaching $39.03 billion, up 40% from $27.94 billion in the prior-year quarter. Operating revenues (gross profit) increased 52% to $1.44 billion, driven by robust performance across nearly all business lines. Net income rose 63% to $139.0 million, and diluted EPS improved to $2.50 from $1.69.

The standout driver was the Commercial segment, where operating revenues surged 82% to $427.4 million, led by record physical precious metals trading and strong listed derivatives volumes. The Institutional segment saw a 60% increase in operating revenues to $866.0 million, benefiting from growth in equity and fixed income markets as well as the first full quarter contribution from the RJO acquisition ($201 million in operating revenues). Self-Directed/Retail segment declined 22% due to lower FX/CFD rates, while Payments were relatively flat.

Net operating revenues (after transaction-based expenses, introducing broker commissions, and interest) increased 47% to $724.4 million, with variable expenses as a percentage of net operating revenues rising to 30% from 27%.

Balance Sheet & Liquidity

Total assets increased 5.6% to $47.78 billion as of December 31, 2025, compared to September 30, 2025. Cash and cash equivalents were $1.59 billion, slightly down from $1.61 billion. The most significant changes were in collateralized transactions: securities purchased under agreements to resell rose to $13.41 billion from $10.33 billion, and securities sold under agreements to repurchase increased to $16.00 billion from $13.55 billion, reflecting heightened trading activity.

Total stockholders' equity grew to $2.52 billion from $2.38 billion, driven by net income partly offset by other comprehensive losses. Debt levels decreased notably: payables to lenders under loans fell to $488.8 million from $782.0 million, primarily due to repayment of short-term borrowings. Senior secured borrowings remained stable at $1.16 billion.

Cash Flow Quality

Cash used in operating activities was $1.26 billion, largely due to significant increases in securities purchased under resale agreements ($3.09 billion use) and financial instruments owned ($1.66 billion use), reflecting higher trading volumes. These were partly offset by inflows from securities sold under repurchase agreements ($2.45 billion) and financial instruments sold short ($1.24 billion). Net income of $139.0 million was more than offset by working capital changes, resulting in negative free cash flow of $1.28 billion after capex of $15.2 million. The company maintains strong liquidity with $1.69 billion available under committed credit facilities (excluding undrawn amounts) and access to uncommitted lines.

MD&A / Forward View

Management attributed the strong results to "a strong start to our fiscal year" with record net operating revenues and net income. Key factors included increased client demand stemming from rising prices and volatility in global metals markets, continued growth in equity and fixed income businesses, and the first full quarter contribution from RJO and Benchmark. The company emphasized its variable cost model, with variable expenses representing 58% of total non-interest expenses.

Notable acquisitions during the quarter included Intercam Advisors (wealth management for Latin America), Plantureux et Associés (French agricultural brokerage), and certain assets of GEA Capital (wealth management). On February 3, 2026, the Board approved a 3-for-2 stock split, effective March 23, 2026. No specific forward guidance was provided.

Notes & Operating Detail

  • Segment analysis: Commercial segment income was $179.1 million (up 72%), Institutional $139.3 million (up 78%), Self-Directed/Retail $18.3 million (down 67%), and Payments $33.9 million (down 1%).
  • The effective tax rate was 25% vs. 27% in the prior year, reflecting changes in mix and discrete items.
  • Bad debt expense was $1.2 million, down from $1.8 million.
  • The company holds $2.78 billion in allowances for doubtful accounts (receivables from clients).
  • Regulatory capital: All subsidiaries were in compliance with minimum requirements; StoneX Financial Inc. had $517.2 million actual vs. $299.5 million minimum.
  • Goodwill increased to $301.6 million from $298.3 million due to acquisitions.
  • Intangible assets net increased to $453.4 million from $437.9 million, with amortization of $8.2 million for the quarter.
  • Derivative exposure: gross fair value of derivatives was $7.39 billion in assets and $8.26 billion in liabilities, with netting reducing these significantly.
  • Hedging activities: cash flow hedges for foreign currency and interest rate risks are in place with maturities within 2 years.