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I think a few people could probably blame you guys for not raising your guidance after the very strong first quarter, ju
Anywhere else though that you can talk about?
I'm sorry, I'm talking about the nonconforming part of the mortgage market.
Mark or John, what do you say to investors out there that point out that VantageScore in the marketplace has roughly 5%
Great. Thank you. You may have touched on this as I missed part of the call earlier, but can you just give us your outlo
Okay. Great. Thank you.
I appreciate that. A follow-up question here on the Vitality Index, are there any specific products that you'd want to c
Yes, thank you. Just want to just better understand, I mean, obviously trying to forecast the U.S.
There is obviously a lot of concern as AI evolves here over time, that the white collar workforce takes pressure, fewer needs for human beings to run operations and stuff. When you drill down on th...
What has to change in the environment out there in order to get accelerated organic revenue growth aside from this AI that you've been chatting about here. What else can you point to here to help g...
If you take out the acquisitions, was it up more like 300 basis points lower than that, so call it roughly 8% maybe? Answering that question, can you touch on, please, the investments you guys are ...
are you anticipating a significant ramp up in your organic revenue growth because of these internal investment spending here as you think out over the next couple of years? Thank you.
What are you expecting for realized pricing this fiscal year versus last year? And it's just interesting you're talking about expecting overall revenues to accelerate
what's the data show you in terms of what the market share out there is for VantageScore in credit cards, autos, personal loans
why did you lower the upfront fee down to $0.99 from $5 then?
Can you just talk about pricing for calendar '26 for auto and then credit card and personal loans?
you made a comment earlier on that you're well positioned to well exceed guidance for fiscal 2026. Can you just talk about that a little bit further?
is your position right now that you think the credit bureaus are not going to have the option for the performance model that you guys are offering
Can you share with us what you think your market share is for FICO Scores in auto, credit card, [ say ], and personal loans and also nonconforming mortgages
I just wanted to understand a little bit better about the expense growth here year-over-year, about 39%
the regulators were very apprehensive have an issue with AI making decisions out there
Within Moody's Analytics, there is obviously concern out there with investors. You can see it in your stock price and all in your peers as well that AI firms or firms that pop up or exist that have...
there's a school of thought out there with investors for the last year plus that AI on a net basis is bad for your company
Can you just talk a little bit further about the costs? I was pretty pleased with your cost containment this last quarter
what percent of your ratings revenue came from private credit last year? How do you see the market growing here
Can you speak, if you would, about the benefits you guys have are getting internally from the use of AI? And is there any way of quantifying what the annual cost savings is at this stage
has anything changed in your mind about investors' thoughts and wishes that you guys would help simplify your company here
I'm wondering if your thoughts have changed at all here about further simplifying of the business at News Corp here
any update from you and your Board, how much you think about maybe further simplifying the company
expect you guys to rationalize, simplify the company any further
can we maybe potentially get another announcement here before maybe we get to the 2-year mark
it's been a year here since you announced your company is looking to optimize structures through the Board of Directors
if your clients end up being able to get services from you guys, but less time involved because you're using AI out there to save time and money
The $1 billion number that are labor related, can you touch on with AI out there, is that capability partly allowing you to take out more heads
President Trump about four or five weeks ago was out there saying that he wants to give public companies the option to only report earnings twice a year
can you just talk a little bit further about the tone of business from your various clients in The U.S. and Europe? Has those conversations changed much versus, say, three months ago
where do you think the three biggest opportunities are for revenue synergies
three months ago, everybody's waking out about tariffs and so forth. How are your clients feeling right now
Who are the remaining five just around the same page
the potential cost savings using AI and generative AI on behalf of your clients, those cost savings for your clients, where do you think those dollars go
what is the tone that you're hearing from, like, your companies that you work within those areas, please
Can you share with us if it's possible the other four are? And then also want to ask John
talk a little bit more about the revenue synergies other than just Acxiom, Flywheel. Where else do you think you guys can drive
how AI internally is helping you guys be more efficient across your various sectors, including outside of the MI division
can you just simply if you would, please give me your 4 to 5 revenue AI contribution you think is going to help you the most for revenues this year, your products, your add-ons, but what's your 4 t...
So just talk about that competitive moat, if you would, that you guys have had in place for well over 10 years now
is your internal investment spending around sales in terms of the quality and the quantity of salespeople you have in each of your segments, is it materially any different this year
in the past, you guys have talked about it being a core part of your operations. You've done really well underneath S&P. I'm just wondering again just if you could just elaborate
Can you maybe just give us a flavor of the optimism that you're hearing out there, how that may have changed