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Analyst
Kyle Joseph
Period: Reporting periods mapped to calendar 2025 Q2 – 2026 Q1 (4 quarters).
- Questions
- 5on tracked calls
- Challenge rate
- 0%none of 5 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 4with 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 5 of 5 questions from 2 companies
SOFISoFi Technologies, Inc.4 questions · 4 reporting periods · 0 of 4 challenging
Calendar 2026 Q1
walk through your accounting on and rationale for capitalizing the market expenses
Show response
CFO said success-based member-acquisition commissions are capitalized under ASC 340-40 and amortized as an expense that still lowers EBITDA and net income.
Calendar 2025 Q4
a little bit of a capital markets update and any implications on the competitive front on the personal loan side of things?
Show response
CFO said capital-markets demand and the flight to quality persist; PL originations hit a record $7.5 billion with balance-sheet growth in double-digit billions.
Calendar 2025 Q3
Just wanted to get your thoughts on the competitive environment.
Show response
CEO attributed the raise to record 9.1% unaided brand awareness, new product launches, and efficient channel-level marketing.
Calendar 2025 Q2
just how are you thinking about kind of growth opportunities and profit margins in that segment?
Show response
CEO said Lending margins stay consistent and home lending is poised to accelerate sharply once rates fall; student refi is picking up.
AFRMAffirm Holdings, Inc.1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q3
just kind of looking for an update on the competitive environment kind of by product
Show response
Max stayed focused on Affirm's execution; Michael said capital markets remain very constructive with a flight to quality.
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 |
|---|---|---|
| SOFI SoFi Technologies, Inc. | 4 | 0%none of 4 questions |
| AFRM Affirm Holdings, Inc. | 1 | —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 | 2 | 0%none of 2 questions | 2 |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | 1 | 0%none of 1 question | 1 |
- 2025 Q21 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q32 questions · challenge rate 0% (none of 2 questions) · 2 companies
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q11 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Competitive Dynamics3
- Margin2
- Credit1
- Guidance Reliability1
- Capital Allocation1
- Demand1
- Revenue Growth1