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    VZ
    Earnings call· Sep 2025(Q3 FY25)

    VERIZON COMMUNICATIONS INC VZ

    Oct 29, 2025 Source

    Executive summary

    Verizon Q3 FY25 — New CEO Outlines Customer-First Strategy and Cost Transformation

    New CEO Dan Schulman outlined a fundamental strategic shift towards a customer-first approach, emphasizing profitable growth, significant cost transformation, and capital efficiency. The company aims to redefine its market trajectory by focusing on customer delight, retention, and leveraging AI, while committing to dividend and debt reduction. This pivot seeks to unlock growth potential and improve shareholder returns.

    Highlights

    5
    • Consolidated adjusted EBITDA increased 2.3% year-over-year to $12.8 billion.

    • Free cash flow improved nearly 17% year-over-year to $7 billion in Q3, and was up 9% year-to-date to $15.8 billion.

    • Net unsecured debt was reduced by $9.4 billion year-over-year to $112 billion, bringing the leverage ratio to 2.2x, ahead of schedule.

    • Fios internet delivered 61,000 net adds, marking its best quarterly result in 2 years.

    • Prepaid revenue grew year-over-year for the first time since the TracFone acquisition.

    Concerns

    4
    • Postpaid phone net losses totaled 7,000 in the quarter, despite 8.4% gross add growth, primarily due to a churn rate of 0.91%.

    • Verizon Business experienced disconnect pressure in the public sector, partially offset by strong demand from SMB and enterprise.

    • The promo amortization headwind is expected to continue in future periods.

    • Management acknowledged the company is "falling short of our potential" and not delivering expected shareholder returns.

    Guidance & targets

    6
    CategoryTargetConfidence
    Full year financial guidance
    On track
    high materiality
    High
    Capital expenditure
    Meet goals and deliver within guided range or better
    medium materiality
    High
    Frontier acquisition close
    First quarter of 2026
    high materiality
    High
    Free cash flow
    Higher in 2026 than 2025
    high materiality
    High
    Net unsecured leverage target
    2.0 to 2.25x
    high materiality
    High
    2026 guidance
    Will provide during January earnings call
    high materiality
    High

    Segment performance

    5
    SegmentRevenueYoYQoQMargin
    Consumer Mobility
    Gross add growth was offset by churn, leading to net losses. Converged offerings continue to show healthy retention benefits. Prepaid business saw its fifth consecutive quarter of positive subscriber growth.
    Postpaid phone gross adds: up 8.4% YoYPostpaid phone net losses: 7,000Churn: 0.91%Converged customers as % of postpaid phone base: >18% (up >200 bps YoY)Mobility churn rate for converged customers on fiber: nearly 40% lower than overall mobility baseConsumer upgrades: 16% YoY increasePrepaid net adds: 47,000
    Verizon Business
    Experienced disconnect pressure in the public sector due to government efficiency efforts, which was more than offset by strong demand from small and medium businesses and large enterprise customers.
    Phone net adds: 51,000
    Broadband
    Delivered solid results, with significant growth in the subscriber base year-over-year.
    Total net adds: 306,000Total subscriber base: >13.2 million (up 1.3 million YoY)
    Fios Internet
    Achieved its best quarterly result in 2 years, indicating strong demand.
    Net adds: 61,000
    Fixed Wireless Access (FWA)
    Continues to be a long-term sustainable business with growing annualized revenue.
    Net adds: 261,000Subscribers: ~5.4 million
    annualized revenue surpassed $3 billioncontinues to grow

    Operational metrics

    10
    Consolidated revenue
    $33.8 billionup 1.5% YoY
    Q3 FY25
    Wireless service revenue
    up 2.1%YoY
    Q3 FY25

    Over $400 million of year-over-year wireless service revenue growth in the quarter.

    Wireless equipment revenue
    5.2% higherYoY
    Q3 FY25
    Prepaid revenue growth
    grewYoY
    Q3 FY25

    First time since the TracFone acquisition.

    Consolidated adjusted EBITDA
    $12.8 billionup 2.3% YoY
    Q3 FY25
    Adjusted EBITDA growth
    3.5%YoY
    YTD Q3 FY25

    At the top end of the guided range, driven by pricing actions and cost reduction.

    Adjusted EPS
    $1.21up 1.7% YoY
    Q3 FY25

    Driven by growth in adjusted EBITDA.

    Capital expenditure
    $12.3 billionvs $12 billion prior year
    YTD Q3 FY25

    On track to meet investment goals for the year.

    Net unsecured debt
    $112 billion$9.4 billion improvement YoY
    Q3 FY25
    Dividend
    raised19th consecutive year
    Q3 FY25

    Reflecting continued commitment to shareholder returns.

    Industry KPIs

    6
    MetricValueDetails
    Postpaid phone churn0.91%%
    Postpaid arpa vs ARPUARPU growthdirectional
    Postpaid phone net adds-7,000subscribers
    Broadband fwa net adds split306,000subscribers
    Share buyback capital returnedraised dividenddirectional
    Net debt EBITDA deleveraging path2.2xratio

    Product announcements

    2
    ProductTypeDetails
    Fios broadband offeringsexpansion
    MDU capabilitiesexpansion

    Deals & partnerships

    3
    FrontierAcquisition of Frontier to expand fiber footprint and convergence opportunities.$10 billion

    Received approvals from 11 of 13 states. Integration planning is on track. Frontier is performing well across fiber build and customer growth.

    TillmanPartnership to expand Fios broadband offerings to new markets.long-term deal

    Combines Tillman's network design, build, and operations with Verizon's scale and brand. Fiber will be built to Verizon's standards.

    StarryAgreement to acquire Starry to enhance MDU (Multi-Dwelling Unit) capabilities.

    Combines Verizon's scale and resources with Starry's technical and go-to-market expertise.

    Risks & headwinds

    5
    Postpaid phone net losses and churnQ3 FY25

    7,000 net losses, 0.91% churn

    Mitigation: New CEO's strategic shift to customer-first focus, aiming for lowest churn in the industry, best overall value proposition, and true innovation.

    Verizon Business public sector disconnect pressureQ3 FY25

    Disconnect pressure

    Mitigation: Offset by strong demand from small and medium businesses and large enterprise customers.

    Promo amortization headwindOngoing

    Headwind

    Mitigation: Underlying customer economics remain healthy.

    Falling short of potential and shareholder returnsCurrent

    Not delivering expected shareholder returns, stock performance reflects this reality

    Mitigation: Aggressive transformation of culture and financial profile, focus on profitable growth, cost transformation, capital efficiency, and accelerating shareholder returns.

    Unsustainable reliance on price increasesPast strategy

    Reliance on price increases without subscriber growth is not a sustainable strategy

    Mitigation: Shift to a customer-first focus, redefining value proposition, strengthening loyalty, and eliminating practices that detract from customer experience.

    What to watch in Q4 FY25

    5

    Postpaid phone net adds

    Next quarter (Q4 FY25) and beyond
    Current-7,000
    TargetImprovement, increased share of industry net adds

    Why it matters

    Key indicator of the new CEO's customer-first strategy and ability to drive volume growth.

    We aim to win fairly by having the best overall value proposition and delighting our customers across all elements of the marketing mix. This is not going to be about promotional activities that can be quickly imitated. It is about true innovation, not easily replicated by our competitors.

    Q&A highlights

    5

    Could Dan Schulman elaborate on his vision for Verizon, especially regarding the first 100 days and how he plans to turn consumer volumes?

    Dan Schulman outlined a three-pillar vision: shifting to customer-centricity (delighting customers, lowest churn, best value propositions), driving shareholder returns (sustainable revenue, accelerated EPS, sacrosanct dividend, OpEx/CapEx review), and optimizing capital allocation (invest in growth, divest legacy, debt repayment, other capital returns). He emphasized winning responsibly, not through one-time promotions.

    The vision has 3 pillars basically to it. The first pillar is about shifting from being a technology-centric to being a customer-centric company.

    asked by John Hodulik · answered by Daniel Schulman

    2 min read6 chapters

    Detailed Narrative

    01

    New CEO Vision and Strategic Pivot

    Dan Schulman's appointment as CEO marks a "critical inflection point" for Verizon, signaling a fundamental shift from a technology-centric to a customer-first company. The new strategy emphasizes "financially disciplined growth," aiming to win with the right customers and achieve both volume and profitability growth simultaneously. Schulman highlighted the need to aggressively transform the culture and financial profile of the company, operating with boldness, customer-centricity, and financial discipline.

    02

    Customer-Centric Growth and Retention Focus

    Schulman articulated a primary objective to grow the customer base profitably across mobility and broadband. He stated that reliance on price increases without subscriber growth is unsustainable and that Verizon must significantly elevate its game across the entire customer experience. The goal is to achieve the lowest churn rate in the industry by creating the best overall value proposition, leveraging true innovation, and making it easier for customers to do business with Verizon.

    03

    Cost Transformation and Capital Efficiency

    A significant imperative is to drive a much more efficient cost structure, aggressively reducing the entire cost base to fund incremental investments in customer delight. This includes a thorough examination of both operating expenses and capital spend, with a commitment to becoming a "simpler, leaner and scrappier business." The company also plans to sunset or exit legacy businesses where a clear path to profitable market leadership is not evident, aiming for meaningful margin improvement.

    04

    Convergence and Fiber Expansion Strategy

    Convergence is identified as a significant near-term growth opportunity, particularly with the pending acquisition of Frontier, expected to close in Q1 2026. This deal will expand Verizon's reach to approximately 29 million fiber passings, creating substantial cross-sell opportunities for mobility and broadband. Additionally, a new capital-light partnership with Tillman will enable Fios expansion into new markets outside Verizon's existing and pro forma Frontier footprint, further driving convergence.

    05

    Leveraging AI for Customer Experience and Efficiency

    Schulman emphasized the growing power of AI as a key tool to transform Verizon's operations and customer experience. AI will be used to simplify offers, improve retention through smart and personalized marketing, and dramatically enhance service while reducing costs and complexity across business processes. He noted that AI models are rapidly improving and will enable Verizon to anticipate customer needs and tailor offers at micro-segment levels.

    06

    Capital Allocation and Shareholder Returns

    Verizon reiterated its "ironclad commitment" to its dividend, continued debt repayment, and value-creating capital return. The company will be more deliberate in allocating spend, ensuring investments support the completion of the C-band build-out and long-term fiber expansion, while preserving financial capacity for strategic investments. The net unsecured debt to adjusted EBITDA ratio has already dropped to 2.2x, within the long-term target range, ahead of schedule.

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