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    TNL
    Earnings call· Mar 2026(Q1 FY26)

    Travel & Leisure Q1 FY26 earnings call TNL

    Apr 22, 2026 Source

    Executive summary

    Travel + Leisure Co. Q1 FY26 — Strong VOI Performance Drives Outsized EPS Growth

    Travel + Leisure Co. delivered a strong first quarter, with Vacation Ownership exceeding expectations and driving significant EPS growth, supported by successful multi-brand strategy execution and robust shareholder returns. While the Travel and Membership segment faces ongoing mix shift challenges, the company maintains its full-year outlook, balancing macro uncertainties with consistent operational execution and strategic investments for future growth.

    Highlights

    5
    • First quarter EBITDA exceeded guidance, driven by strong execution in Vacation Ownership.

    • Gross VOI sales grew 7% year-over-year, with tour growth of 5% and VPG up 3% to $3,321.

    • EBITDA margin expanded by 180 basis points in the Vacation Ownership segment.

    • Adjusted EPS grew 31% year-over-year to $1.45.

    • Returned $128 million to shareholders through dividends and share repurchases, including a 7% dividend increase to $0.60 per share.

    Concerns

    2
    • Travel and Membership segment revenue declined 8% year-over-year to $165 million, and EBITDA fell 13% to $59 million, due to a mix shift from higher-margin exchange to lower-margin travel clubs.

    • Early-stage delinquencies were observed in more recent loan vintages, which are expected to influence provision rates over time.

    Guidance & targets

    9
    CategoryTargetConfidence
    Full-year 2026 Gross VOI sales
    $2.5 billion to $2.6 billion
    high materiality
    High
    Full-year 2026 EBITDA
    $1.03 billion to $1.055 billion
    high materiality
    High
    Full-year 2026 Volume Per Guest (VPG)
    $3,175 and $3,275
    medium materiality
    High
    Full-year 2026 Free Cash Flow conversion
    roughly half of our full year EBITDA
    high materiality
    High
    Full-year 2026 Adjusted Tax Rate
    approximately 29%
    medium materiality
    High
    Full-year 2026 EPS growth
    teens
    high materiality
    High
    Q2 2026 Gross VOI sales
    $660 million and $690 million
    medium materiality
    High
    Q2 2026 EBITDA
    $260 million and $270 million
    medium materiality
    High
    Q2 2026 Volume Per Guest (VPG)
    $3,200 and $3,250
    low materiality
    High

    Segment performance

    2
    SegmentRevenueYoYQoQMargin
    Vacation Ownership
    Segment EBITDA was up 20% year-over-year, with margin expansion driven by operating leverage, improved inventory efficiency, and the benefits of the resort optimization initiative. Demand remains stable, with most VOI sales from existing owners.
    Gross VOI sales: $549MGross VOI sales growth: 7% YoYTour flow growth: 5%Volume Per Guest (VPG): $3,321Volume Per Guest (VPG) growth: 3%New owner mix: slightly below prior year levels
    $191M
    Travel and Membership
    Reflects a continued mix shift within the business, with declines in the higher-margin exchange business and growth in lower-margin travel clubs. The business is capital-light and high-margin, generating significant free cash flow, with a focus on repositioning for improved returns.
    EBITDA growth: down 13% YoYTransactions: flat YoYExchange membership: 3.3M subscribersExchange membership growth: down 2% YoY
    $165Mdown 8%$59M

    Operational metrics

    21
    EBITDA
    $225Mup 11% YoY
    Q1 FY26

    Company total adjusted EBITDA.

    EPS
    $1.45up 31% YoY
    Q1 FY26

    Company total adjusted diluted EPS.

    Shareholder Returns
    $128M
    Q1 FY26

    Through dividends and share repurchases.

    Dividend per share
    $0.60up 7%
    Q1 FY26

    Quarterly dividend.

    Shares repurchased
    1.2M
    Q1 FY26

    Shares repurchased in the quarter.

    Leverage ratio
    just below 3.2x
    Q1 FY26

    Leverage typically trends higher earlier in the year and declines as free cash flow is generated.

    Available liquidity
    over $1B
    Q1 FY26

    Including cash on hand and revolver capacity.

    ABS transaction
    $325M
    March

    First ABS transaction of the year, creating significant net interest income.

    Provision rate
    19%down YoY
    Q1 FY26

    For loan loss provision.

    Weighted average FICO
    above 740
    Q1 FY26

    Underlying credit profile of new originations remains healthy.

    Average down payments
    above 20%
    Q1 FY26

    Trending above 20% for new originations.

    Percentage of sales financed
    down
    Q1 FY26

    Another good guide for the provision rate.

    Booking window
    approximately 100 dayssteady
    Q1 FY26

    For owner base.

    Average length of stay
    just over 4 daysunchanged YoY
    Q1 FY26

    For owner base.

    Owner retention rate
    97%
    Q1 FY26

    Reflects the value proposition for owners.

    Margaritaville annual VOI sales
    approaching $150M
    annual

    Reflecting revitalization efforts and new partnerships.

    Accor Vacation Club VOI sales growth
    nearly double
    2026

    Expected growth for the brand.

    Combined new brands VOI sales mix
    approach 10%
    this year

    Expected contribution to total sales mix from Margaritaville, Accor, Eddie Bauer, and Sports Illustrated.

    Worldmark app bookings
    20%
    Q1 FY26

    Percentage of total bookings happening through the Worldmark app.

    New owner tour growth
    7%
    Q1 FY26

    Extremely strong growth, step one in driving new owner mix.

    Resort optimization expense savings
    fully realized
    Q1 FY26

    Realizing all outlined expense savings, if not slightly above plan.

    Product announcements

    3
    ProductTypeDetails
    Eddie Bauer Venture Clublaunch
    Sports Illustrated Resortsexpansion
    Margaritaville applaunch

    Deals & partnerships

    1
    United Parks & Resorts (SeaWorld and Busch Gardens)Renewed and expanded a 5-year strategic partnership.5 years

    Building on a partnership that began in 2013, the new agreement expands Travel + Leisure Co.'s presence across additional parks beyond current on-site kiosks and promotional activations.

    Risks & headwinds

    3
    Macroeconomic uncertainty and geopolitical risksOngoing

    Not quantified, but noted as 'prominent in the news'.

    Mitigation: Monitoring consumer behavior; value proposition becomes more relevant in uncertain times, with 97% owner retention. Business model designed to outperform across cycles.

    Early-stage delinquencies in newer loan vintagesOver time

    Some movement observed, expected to influence provision over time.

    Mitigation: Monitoring closely; underlying credit profile (FICO > 740, down payments > 20%) remains healthy. Full-year provision expected to be modestly below prior year.

    Mix shift in Travel and Membership segmentOngoing

    Revenue down 8% YoY, EBITDA down 13% YoY in Q1 FY26.

    Mitigation: Focus on managing the business for cash and flexibility, repositioning the platform to improve returns over time. Actively looking for new business lines to bend the decline trajectory.

    What to watch in Q2 FY26

    5

    New owner mix

    As the year progresses (Q2/Q3)
    CurrentSlightly below prior year levels (Q1 FY26)
    TargetIncrease as the year progresses

    Why it matters

    Key driver for long-term growth and expanding addressable market, indicating success in attracting new customers.

    While our new owner mix was slightly below prior year levels, we remain confident that it will increase as the year progresses.

    Q&A highlights

    8

    To what extent can new brands like Sports Illustrated and Eddie Bauer grow, and are there hotel conversion opportunities to enable this growth?

    Management aims for each new brand (Margaritaville, Accor, Eddie Bauer, Sports Illustrated) to reach $200M+ in annual VOI sales, supporting the overall 6-8% total VOI growth rate. They are pragmatically executing on brand additions and see strong potential.

    we want to get each of these up to about $200 million plus. And if you start to think about those 4 brands and stack that level of growth, you can have a lot of visibility into that 6% to 8% total VOI run rate for the foreseeable future.

    asked by Chris Woronka · answered by Michael Brown

    3 min read7 chapters

    Detailed Narrative

    01

    Strong Vacation Ownership Performance

    Travel + Leisure Co. reported a strong first quarter, with its Vacation Ownership business exceeding expectations. Gross VOI sales increased 7% year-over-year to $549 million, driven by a 5% growth in tour flow and a 3% increase in Volume Per Guest (VPG) to $3,321. Segment EBITDA rose 20% to $191 million, with margin expansion attributed to operating leverage, improved inventory efficiency, and the resort optimization initiative. The company noted that owner demand remains resilient, with a 97% retention rate for current or paid-off owners.

    02

    Multi-Brand Strategy Gaining Traction

    The multi-brand strategy is advancing, with Margaritaville rapidly approaching $150 million in annual VOI sales. The Accor Vacation Club brand is expected to nearly double its VOI sales in 2026. The Eddie Bauer Venture Club, which began sales at select centers and opened its first resort in Moab, Utah, is exceeding early expectations. Sports Illustrated Resorts sales are underway in Nashville, and a fourth location was announced in Baton Rouge. Combined, these new brands are projected to contribute approximately 10% of total sales mix this year, with further growth anticipated.

    03

    Shareholder Returns and Capital Allocation

    The company returned $128 million to shareholders in Q1 through dividends and share repurchases. The quarterly dividend increased 7% to $0.60 per share, and 1.2 million shares were repurchased. The capital allocation framework remains focused on deploying capital for the highest risk-adjusted returns, maintaining a resilient balance sheet, and returning excess capital to shareholders, while also pursuing opportunistic M&A.

    04

    Consumer Health and Travel Trends

    Despite macroeconomic uncertainty🌐, the owner base remains healthy and prioritizes travel. Key travel trends show stability: the booking window is steady at approximately 100 days, and the average length of stay is unchanged at just over 4 days. The distance traveled to resorts in Q1 slightly increased, indicating consumers' willingness to travel. Management believes their value proposition, especially for owners who have paid off their loans, resonates strongly in uncertain economic times.

    05

    Resort Optimization Initiative Progress

    The resort optimization initiative, involving the removal of aging, lower-demand resorts, is progressing as planned. The company is realizing all the outlined expense savings, which are manifesting directly in the P&L. Importantly, historical sales growth rates have been sustained despite the closure of several sales centers, demonstrating effective management of the transition.

    06

    Travel and Membership Segment Challenges

    The Travel and Membership segment continues to experience a mix shift, with declines in higher-margin exchange activity offset by growth in lower-margin travel clubs. This resulted in an 8% year-over-year revenue decrease to $165 million and a 13% EBITDA decline to $59 million. The company's focus for this segment is on managing for cash and flexibility, with efforts underway to reposition the platform for improved returns over time.

    07

    Credit Performance and Balance Sheet

    Credit performance remains within expectations, with provision rates slightly down year-over-year in Q1. While early-stage delinquencies in newer loan vintages are being monitored, the underlying credit profile of new originations remains healthy, with weighted average FICO scores above 740 and average down payments over 20%. The company exited the quarter with leverage just below 3.2x and strong liquidity of over $1 billion, supported by a recent $325 million ABS transaction at a 5.1% coupon.

    AI-generated summary of the company’s earnings call. Not investment advice.