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Analyst
Matt Coad
Period: Reporting periods mapped to calendar 2025 Q2 – 2026 Q2 (5 quarters; questions recorded in 3).
- Questions
- 4on tracked calls
- Challenge rate
- 0%none of 4 questionsLimited sample
- Companies
- 3questioned 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 4 of 4 questions from 3 companies
AFRMAffirm Holdings, Inc.2 questions · 2 reporting periods · 0 of 2 challenging
Calendar 2025 Q4
entering b two b through the partnership with QuickBooks payments and then maybe moving into the rent vertical
Show response
Max said rent is a tiny time-shift test; Intuit unlocks services billed via QuickBooks in a B2B2C model and is very exciting.
Calendar 2025 Q2
you talked about the number of merchants funding this offering doubling year-over-year.
Show response
Max argued bottom-of-funnel promotional spend is more efficient, so 0% penetration should eventually approach nearly all merchants.
FISFidelity National Information Services1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q2
Could you guys remind us, right, of the revenue drivers there whether it's based on loan activity, whether it's SaaS related and whether it's based on, say, the level of AUM
Show response
Stephanie clarified Capital Markets has no AUM exposure. Revenue driven by net new sales (recurring), retention, net pricing (1-2%), and some license activity. Transaction/organic growth is ~100bps normally but can swing. James quantified the lending impact at only $6M on a $3B business.
SOFISoFi Technologies, Inc.1 question · 1 reporting period · 0 of 1 challenging
Calendar 2026 Q2
could you talk about just capital balance sheet growth and kind of the spend down
Show response
CEO said balance-sheet growth builds visible 2027 NII; CFO said the risk-based capital ratio should normalize to the low-to-mid teens without raising capital.
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. | 2 | —Rate withheld: fewer than 3 questions |
| FIS Fidelity National Information Services | 1 | —Rate withheld: fewer than 3 questions |
| SOFI SoFi Technologies, 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 | 2 | 0%none of 2 questions | 2 |
| 2025 Q3 | No questions recorded | — | — |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | No questions recorded | — | — |
| 2026 Q2 | 1 | 0%none of 1 question | 1 |
- 2025 Q22 questions · challenge rate 0% (none of 2 questions) · 2 companies
- 2025 Q3No questions recorded
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q1No questions recorded
- 2026 Q21 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Geographic Expansion1
- Credit1
- Capital Allocation1
- Margin1
- Pricing1
- Demand1
- Revenue Growth1