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    Abigail Rudder • Oppenheimer & Co. Inc.

    Abigail Rudder's questions to Jack Henry & Associates Inc (JKHY) leadership

    Abigail Rudder's questions to Jack Henry & Associates Inc (JKHY) leadership • Q4 2025

    Question

    Abigail Rudder, on for Rayna Kumar from Oppenheimer, asked about the outlook for hardware revenue in fiscal 2026 after persistent headwinds and inquired about the impact on guidance. She also asked to distinguish between declines from delayed sales versus cloud migrations.

    Answer

    CFO & Treasurer Mimi Carsley explained that while hardware revenue is not expected to rebound massively, it will be less of a material headwind in fiscal 2026 due to the lower base from fiscal 2025. She noted the decline is primarily structural, driven by the ongoing migration of clients from on-premise to the private cloud, as very few new clients choose on-premise solutions.

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    Abigail Rudder's questions to Sezzle Inc (SEZL) leadership

    Abigail Rudder's questions to Sezzle Inc (SEZL) leadership • Q2 2025

    Question

    Abigail Rudder from Oppenheimer & Co. Inc. asked about Sezzle's potential response to deteriorating consumer credit quality, changes in the competitive pricing landscape, and the current status and timeline of the lawsuit with Shopify.

    Answer

    Executive Chairman & CEO Charlie Youakim stated that Sezzle can adjust consumer credit limits immediately if risk signals emerge, a key advantage over credit cards. He noted no significant changes in pricing from competitors. Regarding the Shopify lawsuit, he reported no new updates and suggested the legal process could take upwards of three to five years.

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