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    Cal Bartyzal • Craig-Hallum Capital Group LLC

    Cal Bartyzal's questions to QuinStreet Inc (QNST) leadership

    Cal Bartyzal's questions to QuinStreet Inc (QNST) leadership • Q4 2025

    Question

    Cal Bartyzal of Craig-Hallum Capital Group LLC inquired about the spending trends of auto insurance carriers during Q4 and the reacceleration into Q1, as well as the core assumptions underpinning the initial fiscal 2026 guidance, including the potential for a calendar year-end budget flush.

    Answer

    CEO Douglas Valenti explained that carrier spending was stable early in Q4 before increasing later in the quarter, with momentum expected to continue into Q1 and calendar Q4. He noted that carriers have strong economics and growing clarity on tariffs. Valenti characterized the initial fiscal 2026 guidance as conservative, acknowledging that a significant year-end budget flush from carriers is possible given their high profitability.

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    Cal Bartyzal's questions to QuinStreet Inc (QNST) leadership • Q3 2025

    Question

    Cal Bartyzal inquired about QuinStreet's discussions with auto insurance carriers regarding their capacity to absorb potential tariff pressures and the company's strategy for balancing margin expansion with investments in the business.

    Answer

    CEO Doug Valenti explained that while auto carriers are financially strong enough to absorb a wide range of tariff impacts, the uncertainty has led them to a 'wait-and-see' mode, tempering spending ramps. Regarding margins, he detailed a multi-pronged strategy including leveraging top-line growth, expanding high-margin proprietary media, converting some partnerships to fee-based models, and scaling new, higher-margin products for insurance agencies.

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    Cal Bartyzal's questions to Porch Group Inc (PRCH) leadership

    Cal Bartyzal's questions to Porch Group Inc (PRCH) leadership • Q4 2024

    Question

    Cal Bartyzal, on behalf of Jason Kreyer, asked for the company's expectations on the cadence for policy in force (PIF) growth in 2025 and the potential impact of a mild real estate market on business trends.

    Answer

    COO Matthew Neagle clarified that policy count is expected to be mostly flat in 2025, with the gross written premium target being achieved primarily through rate increases, and that policy growth should accelerate into 2026. CEO Matt Ehrlichman added that the company's guidance is conservative and does not assume a housing market rebound, positioning any recovery as a potential tailwind.

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