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Andrew Cring

Research Analyst at Citizens

Andrew Cring is an Analyst at Citizens, specializing in the financial sector with coverage of regional banks and financial institutions. He provides equity research and investment analysis, focusing on companies such as KeyCorp, Fifth Third Bancorp, and Huntington Bancshares, among others, and has built a reputation for rigorous financial modeling and sector insights. With a career spanning over a decade, Cring previously held analytical roles at firms including KeyBank before joining Citizens and has contributed to the development of sector strategies and risk assessments. He holds FINRA Series 7 and 63 licenses and is recognized for his diligent equity coverage and in-depth financial analysis.

Andrew Cring's questions to EBAY (EBAY) leadership

Question · Q3 2025

Andrew Cring asked about the narrowing gap between revenue and GMV growth projected for 2026, potential pressure on advertising, and how Magical Listing translates into GMV and optimizes long-tail listings.

Answer

CEO Jamie Iannone explained that Magical Listing unlocks inventory, saves seller time, drives selling velocity, and improves seller satisfaction. CFO Peggy Alford clarified the 2026 narrowing gap is due to healthy first-party advertising growth offset by fewer U.S. imports (impacting ad/financial services monetization) and a higher GMV mix from lower take-rate businesses like vehicles and eBay Live. Jamie Iannone added that first-party ads are expected to normalize to low-to-mid teens growth in Q4.

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