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I'm curious if you're doing anything differently kind of in terms of managing the business or in the timing of investments, things like that up until the acquisition
I wanted to see if you've gotten any feedback from any of your larger customers around the announced acquisition of UniFirst
is there any recent initiatives you'd like to talk about? And maybe the return on those types of investments, whether it's AI related or anything else you would want to highlight
as you're making these investments sort of how your outlook for top line growth here has maybe changed or evolved
it sounded like even in the fourth quarter of last year because you talked about sequential margins being similar, give us a bit more color on the timing
I'm curious if you're seeing more difficulty in taking pricing across the board, or is it more specific products, categories, verticals
Got it. And then just to put a finer point on the year.
First, I just wanted to clarify on the government business.
Great. Thank you. And then just to follow-up on the on mortgage, and correct me if I'm wrong, I think you're guiding mor
Yes, thank you. I wanted to follow-up on the government vertical.
All right. Understood. And then just to follow up on Government.
Mark, I wanted to ask about a significant push that the MBA seems to be making around a shift away from the tri-merge re
Yes. Hi. Thank you. John, just to follow-up on those litigation costs, can you give us a bit more color on on what's goi
Alright. Understood. And then wanted to follow-up on on the talent business.
Got it. Thank you. And then just as a follow-up, apologies if I missed this, but any thoughts on TWN inquiries for '25 a
Yes. Hi. Thank you. So I wanted to follow up on the pre-qual products and the soft pulls.
A few things stuck out to me regarding, you know, commercial excellence. You talked about sort of simplifying pricing, packaging, pricing to value. And some of the changes around, you know, sales i...
Sort of where do you think the focus will be for you over the next couple of years? And where do you think the end state is for you?
do you expect to see further acceleration a little beyond Q4?
I want to make sure is the UBS Vault deal included in the ASV this quarter? And if you could help quantify that that would be helpful. And then just secondly, you talk about the proactive retiremen...
Is that, you know, across the board? You know, are there any specific products where you're maybe getting more traction? And maybe if you can dimensionalize that for us
give us some context in terms of what you're seeing there? Are you seeing higher [indiscernible] and I have noticed that you alluded to growth or maybe focusing outside of financial services
I wanted to ask about the very strong growth that you saw in mortgage revenue this quarter, up 127%
do we need like an LLPA grid for 10T? Or do you think the conforming market could accept the 10T without that grid being out?
we saw a nice acceleration this quarter relative to what we've been seeing. And I'm just curious, is that -- are you just benefiting from maybe higher refi activity?
what type of feedback you've gotten from lenders on the 2 pricing models that you have? And if there's any hesitation around going via the resellers and essentially going direct
the auto, B2B origination revenue, which saw a nice acceleration from last quarter. And I'm curious if there was -- if you saw higher volumes, maybe it was customer mix
how has the feedback been on the next-generation launch of the Platform. And how do you expect sort of bookings to trend from here
there's obviously been a lot of shifts postelection, and you've had some of these new regulators settled into their new roles. So curious how you're thinking about the evolving situation
It looks like there was a pretty substantial increase in the non-origination of B2B Scores revenue. And I'm curious if there was something specific that you can point to there
what you're expecting in terms of volume across the verticals for this year? Sort of what's embedded in the guide
your confidence in accelerating platform ARR back to 30%, can you give us a bit more color on what's driving that confidence?
if you have been thinking about that as a potential revenue opportunity going forward
are you expecting mortgage volumes to recover in 2025. We are seeing rates a little bit higher
Did you see slowing sort of across the board? Or if there was any differentiation regionally
I'm curious if you're reevaluating any pricing strategies, maybe just thinking about the overall price point
I'm curious if you expect sort of that quarterly phasing to be similar to what we have seen historically
curious if you can talk a bit more about that and sort of how sustainable that is and how you're sort of balancing investments versus cost optimization
I'm curious if you think that's just a function of the macro environment? Or is it more a function of if you're selling differently
how have you seen that play out historically? Because I would think that, as you mentioned in your script, like these clients can certainly benefit
How are you viewing the opportunity to buy back stock? And could we expect a more elevated level of share repurchases this year
give us a bit more color about how you're tactically approaching the public sector just in light of the dynamic environment there
is that across the board? Is that -- were you talking specifically about tech lenders or GTS or is it across the board
how do you think about the contribution from private credit to MIS revenues? I know it's small, but certainly growing quite fast
to the extent the environment worsens from an issuance perspective relative to how you're thinking about it at the moment, how much flexibility do you have
I would have thought that, that would offset the incremental macro weakness. So just give us a bit more color
what you saw volume versus price in ES
how would you attribute sort of the value of the proprietary data versus sort of the software component of the workflow tools
I was hoping you could put a finer point on that and talk specifically about your workflow products and the mood there. And to the extent there is a shift in channel, sort of how do you overcome that?
I'm curious how you would characterize sort of where we are in terms of normalization of Ratings issuance and how we should think about growth over the next few years
I understand you're not raising the margin guide, but wanted to ask about what you're doing to achieve these better expenses or if there was something onetime in the quarter
I wanted to ask about Market Intelligence and your confidence in the ability to accelerate revenue as we go through the year
how much visibility do you have at this point. What are you expecting with an M&A contribution? And maybe the best way to answer this is, if you could give us any color with respect to quarterly ca...
as you are rolling out these new technologies, do you expect to see sort of better ability to take pricing for the value that you are providing
I'm wondering if you can share your thoughts around future pricing opportunity, especially in light of decelerating net written premiums in the insurance industry
I wanted to ask about some of the new AI products that you discussed in your prepared remarks, Lee, in particular, the AI automated underwriting function
I know you mentioned some timing of expenses. But maybe talk a little bit about where you are in the journey of the -- your global talent optimization efforts and how we should think about efficien...
you've had some difficult comps. I'm curious how we should think about that as we look ahead to 2025? And I know, Elizabeth, you mentioned the storm impact
what you're seeing from a recycling commodity pricing perspective, just given higher oil prices
Could you frame for us how much of the improvement that you're seeing on the industrial volume side is kind of related to the cross-selling benefits
I was hoping there are a few moving pieces, in particular, with the wildfires and also, I guess, the roll-in of the sustainability projects
I thought they came in a little bit light relative to what we've seen
You mentioned lower maintenance, lower risk management costs. So how much more runway do you think you have in this
It seems like you're talking about success around cross-selling, but at the same time, you're also talking about higher churn on the health care side
Does that sort of suggest stronger margin growth in the back half than I would have thought
if you could perhaps update us on what you're expecting for EBITDA -- EBITDA contribution from Stericycle specifically this year
how much of the 7% increase in EBITDA out of $500 million is related to the sustainability project
could help us with some of the quarterly cadence as it relates to various items