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    Benjamin Mohr Mok

    Vice President and Equity Research Analyst at Citigroup

    Benjamin Mohr Mok is a Vice President and Equity Research Analyst at Citigroup, specializing in the coverage of Asia consumer and e-commerce companies with a focus on Greater China. He provides in-depth analysis on major companies such as Alibaba, JD.com, and Pinduoduo, delivering actionable investment insights that have contributed to an above-average success rate and positive returns for clients as measured by third-party research platforms. He began his analyst career after completing his education at the University of Hong Kong and joined Citigroup in 2021 following previous experience at J.P. Morgan and Ernst & Young, where he developed expertise in both investment research and financial auditing. Benjamin holds professional certifications including the Chartered Financial Analyst (CFA) designation and maintains regulatory licenses required for equity research professionals in Hong Kong.

    Benjamin Mohr Mok's questions to TFI International (TFII) leadership

    Benjamin Mohr Mok's questions to TFI International (TFII) leadership • Q1 2025

    Question

    Benjamin Mohr Mok asked for the U.S. LTL operating ratio outlook for Q2 and the full year, and requested more detail on the strategy to grow small and medium-sized business (SMB) accounts.

    Answer

    Executive Alain Bedard projected the U.S. LTL operating ratio would improve from 99% in Q1 to around 96% in Q2, with a goal of reaching the low 90s by year-end. He explained the SMB strategy involves smarter pricing to retain profitable accounts rather than losing them to broad-based rate increases. He also highlighted a renewed focus on growing the GFP product, whose revenue decline has now stabilized.

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    Benjamin Mohr Mok's questions to TFI International (TFII) leadership • Q3 2024

    Question

    Benjamin Mohr Mok, on for Ariel Rosa, asked for clarification on the timeline for achieving a sub-90% OR in U.S. LTL. He also questioned why service perception hasn't improved from 2023 to 2024 despite significant efforts.

    Answer

    CEO Alain Bedard clarified that he would be very concerned if a sub-90% OR isn't achieved in the second half of 2025, admitting he underestimated the time required for the cultural turnaround. He attributed the lack of service improvement to a step back in claims performance and ongoing issues with missed pickups, suggesting the current incentive programs are not effective and will be revamped for 2025.

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