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Analyst
Harry Bartlett
Period: Reporting periods mapped to calendar 2025 Q2 – 2026 Q2 (5 quarters).
- Questions
- 6on tracked calls
- Challenge rate
- 0%none of 6 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 5with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 6 of 6 questions from 2 companies
AFRMAffirm Holdings, Inc.4 questions · 4 reporting periods · 0 of 4 challenging
Calendar 2026 Q2
what's the impediment for getting these remaining merchants to sign up?
Show response
Max reframed the merchant gap as greenfield runway, citing long enterprise sales cycles and legacy systems rather than any structural impediment.
Calendar 2026 Q1
how you're thinking maybe costs will develop versus how they developed historically
Show response
Max said AI development velocity is strongly accretive; Rob quantified the tool spend at low single-digit millions per quarter.
Calendar 2025 Q3
perhaps maybe you could talk about the economics here, whether there's any difference between what you do with kind of direct merchant integrations
Show response
Rob declined specifics, saying deals are bespoke; Shopify is a key international distribution partner with similar benefits.
Calendar 2025 Q2
in terms of how quickly you can roll out into other geographies. Is it now a case of you have a playbook
Show response
Max said the platform is reusable but data access, local regulation and licensing differ; marketing rides multinational partner relationships.
KLARKlarna Group plc2 questions · 2 reporting periods · 0 of 2 challenging
Calendar 2026 Q2
do you think there's any intensification of competition there that's maybe causing any of the weakness?
Show response
Sebastian attributed German weakness to softer consumer sentiment, not competition, citing Klarna's global coverage advantage.
Calendar 2025 Q4
does that imply that maybe there's a bit of an offset in some other products or other regions?
Show response
Niclas said 2026 grows at the same pace as 2025 off a larger base, with good growth across markets.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| AFRM Affirm Holdings, Inc. | 4 | 0%none of 4 questions |
| KLAR Klarna Group plc | 2 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q2 | 1 | 0%none of 1 question | 1 |
| 2025 Q3 | 1 | 0%none of 1 question | 1 |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | 1 | 0%none of 1 question | 1 |
| 2026 Q2 | 2 | 0%none of 2 questions | 2 |
- 2025 Q21 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q31 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q22 questions · challenge rate 0% (none of 2 questions) · 2 companies
Topics
Topics tagged on this analyst’s questions.
- Revenue Growth2
- Demand2
- Innovation & R&D2
- Competitive Dynamics2
- Geographic Expansion2
- Cloud & AI1
- Guidance Reliability1