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Analyst
Madison Suhr
Period: Reporting periods mapped to calendar 2025 Q4 – 2026 Q2 (3 quarters).
- Questions
- 5on tracked calls
- Challenge rate
- 0%none of 5 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 3with 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
JKHYJack Henry & Associates4 questions · 2 reporting periods · 0 of 4 challenging
Calendar 2026 Q1
do you think this elevated level of cross-sell is sustainable, not only for the quarter, but just as we think about kind of the next year or so
Show response
Greg feels strongly about sustainability driven by Banno feature parity achievement and card platform improvements. Also winning digital back from competitors within existing Jack Henry base. Rapid Transfers and Tap2Local as unavailable-elsewhere differentiators.
what's kind of the key buckets or key things that could accelerate growth in payments from here
Show response
Mimi cited steady card growth, rebounding Bill Pay/remit post-Payrailz acquisition, and nearly 50% faster payments growth. Across-the-board strength in card volumes plus extra growth from other payment areas.
Calendar 2025 Q4
what are you seeing in terms of adoption for those products? What's the longer-term opportunity look like
Show response
Greg shared anecdote of client with 30 instant sign-ups. Key differentiators vs Stripe/Square: deposits stay at community FI instead of being redirected, 75% instant approval vs 2-3 day industry standard, iOS and Android tap-to-pay, patent-pending QuickBooks/Xero account reconciliation. Long SMB roadmap with more products planned over 18 months. Mimi added core system knowledge enables frictionless experience.
talk to the priorities right now, appetite for buybacks and just anything to call out in terms of M&A pipeline
Show response
Mimi confirmed $125M in share repurchases year-to-date at $157 average price. Comfortable reaching $200M or more depending on price and M&A. FCF conversion of 90-100% with roughly $100M benefit from tax legislation clarity. Dividend policy committed. Fewer strategic M&A gaps but always evaluating accelerants.
CPAYCorpay1 question · 1 reporting period · 0 of 1 challenging
Calendar 2026 Q2
touch on your confidence level around sustaining high single digit organic vehicle growth
Show response
Ron said the vehicle businesses are durable and now at line-average retention and same-store sales, so growth is a straight sales/investment game.
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 |
|---|---|---|
| JKHY Jack Henry & Associates | 4 | 0%none of 4 questions |
| CPAY Corpay | 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 Q4 | 2 | 0%none of 2 questions | 1 |
| 2026 Q1 | 2 | 0%none of 2 questions | 1 |
| 2026 Q2 | 1 | 0%none of 1 question | 1 |
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q12 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q21 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Demand2
- Innovation & R&D2
- Revenue Growth2
- Product Launch1
- Competitive Dynamics1
- Capital Allocation1
- M&A1