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    Christopher Svensson • Deutsche Bank AG

    Christopher Svensson's questions to Payoneer Global Inc (PAYO) leadership

    Christopher Svensson's questions to Payoneer Global Inc (PAYO) leadership • Q4 2024

    Question

    Christopher Svensson inquired about the drivers for the expected deceleration in revenue growth (excluding interest income) in 2025 and its quarterly cadence. He also asked about the strategy for Ideal Customer Profile (ICP) acquisition and volume growth.

    Answer

    CFO Bea Ordonez attributed the deceleration to a normalization of e-commerce marketplace volumes and a more sustainable 25% growth rate for the B2B business after a record 2024. CEO John Caplan added that the company's focus is on profitable growth by increasing ARPU from high-value ICPs, rather than just the total number of ICPs, noting the strongest retention is among the largest customers.

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    Christopher Svensson's questions to Evertec Inc (EVTC) leadership

    Christopher Svensson's questions to Evertec Inc (EVTC) leadership • Q4 2024

    Question

    Christopher Svensson of Wells Fargo Securities asked if EVERTEC would consider providing mid-term guidance to help investors understand the company's normalized growth profile, given the integration of Sinqia and the upcoming MSA discount. He also requested more detail on Sinqia's growth reacceleration in Q4 and the strategy to return it to double-digit growth.

    Answer

    CFO Joaquin Castrillo responded that the company is currently focused on its 2025 guidance due to several moving parts. CEO Mac Schuessler added that for Sinqia, the team has successfully focused on upgrading technology, renegotiating contracts to be volume-based, and optimizing margins. He expressed strong optimism for continued acceleration, noting this is a key factor in the double-digit growth forecast for the broader Latin America segment.

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    Christopher Svensson's questions to Evertec Inc (EVTC) leadership • Q4 2024

    Question

    Christopher Svensson asked if EVERTEC would consider providing a mid-term financial guide to help investors understand the business's normalized growth profile amid recent acquisitions and upcoming MSA changes. He also requested more detail on the performance of the recently acquired Sinqia business and management's confidence in its reacceleration.

    Answer

    CFO Joaquin Castrillo responded that the company is currently focused on its 2025 guidance due to several moving parts. CEO Mac Schuessler added that Sinqia's growth is reaccelerating after a focused effort on technology upgrades, contract renegotiations, and margin optimization. He expressed optimism for Sinqia's performance, which underpins the double-digit growth expectation for the entire Latin America segment in 2025.

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    Christopher Svensson's questions to WNS (Holdings) Ltd (WNS) leadership

    Christopher Svensson's questions to WNS (Holdings) Ltd (WNS) leadership • Q3 2025

    Question

    Christopher Svensson asked for more detail on the fiscal '26 outlook for high single to low double-digit growth, specifically questioning how the typical 10-11% in annual headwinds are shaping up for next year compared to normal.

    Answer

    Executive David Mackey explained that for fiscal '26, unusual headwinds are only about 2%, significantly below normal. CFO Arijit Sengupta added that the current sequential growth run-rate supports this outlook. Regarding margins, management expects to hit the 20% range in Q4 and average in the high 19% to 20% range going forward, with a normal seasonal cadence of a Q1 dip followed by expansion.

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    Christopher Svensson's questions to WNS (Holdings) Ltd (WNS) leadership • Q2 2025

    Question

    Christopher Svensson asked for clarity on the large deal pipeline, questioning if the removal of large deal revenue from guidance was due to lower visibility on timing or declining win rates, and sought reassurance on WNS's ability to return to historical double-digit growth.

    Answer

    CEO Keshav Murugesh explained that the large deal pipeline is at a record level, but the deals are highly strategic and complex, making their signing dates difficult to predict. He clarified the guidance change was a conservative measure due to timing uncertainty. Executive David Mackey explicitly stated the removal was unrelated to win rates. Both executives expressed high confidence in returning to strong growth, citing healthy underlying sequential growth momentum heading into fiscal 2026.

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    Christopher Svensson's questions to PagSeguro Digital Ltd (PAGS) leadership

    Christopher Svensson's questions to PagSeguro Digital Ltd (PAGS) leadership • Q3 2024

    Question

    Christopher Svensson of Deutsche Bank inquired about the key drivers behind the strong client engagement metrics, the company's long-term growth and profitability outlook, and whether management would consider providing a medium-term financial guide.

    Answer

    Executive Ricardo da Silva attributed higher engagement to core banking services like PIX transfers and bill pay, along with sticky products like high-yield investments and insurance. For the long-term outlook, he highlighted that while payments will grow, the banking segment will become an increasingly significant revenue driver. He did not commit to a formal mid-term guide but reinforced the strategy to diversify revenues beyond payments.

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    Christopher Svensson's questions to PagSeguro Digital Ltd (PAGS) leadership • Q3 2024

    Question

    Christopher Svensson of Deutsche Bank asked about the specific drivers of increased client engagement and sought clarity on the company's long-term growth and profitability outlook, including whether a mid-term guide might be provided.

    Answer

    Executive Ricardo da Silva highlighted core services like PIX and cards, plus stickiness from investments and insurance, as key engagement drivers. He reiterated the long-term strategy to grow banking revenues faster than payments but stated that due to market volatility, no specific mid-term numerical guidance would be provided.

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    Christopher Svensson's questions to Flywire Corp (FLYW) leadership

    Christopher Svensson's questions to Flywire Corp (FLYW) leadership • Q3 2024

    Question

    Christopher Svensson, on behalf of Nate Svensson, asked about future disclosures for free cash flow and GAAP profitability and inquired about growth opportunities in emerging international education markets.

    Answer

    CFO Cosmin Pitigoi confirmed Flywire is on track for sustained GAAP net income profitability in the upcoming year, driven by OpEx discipline and moderating stock-based compensation, and promised more detailed disclosures going forward. President and COO Rob Orgel identified Europe, Latin America (specifically Mexico), and various APAC markets like Japan as key emerging destination markets for education where the company sees significant growth opportunities.

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    Christopher Svensson's questions to WEX Inc (WEX) leadership

    Christopher Svensson's questions to WEX Inc (WEX) leadership • Q3 2024

    Question

    Christopher Svensson requested clarification on the large travel client transition in Corporate Payments, asking how the volume migration compared to prior guidance and about other headwinds in the segment. He also asked why Q4 credit loss guidance implies a significant increase after two quarters of strong performance.

    Answer

    CEO Melissa Smith stated the large OTA transition is proceeding as planned, perhaps slightly faster, and noted continued acceptance challenges with low-cost European air carriers as another factor. CFO Jagtar Narula explained the higher Q4 credit loss guidance is not due to deteriorating fundamentals but rather the non-recurrence of a reserve release benefit that occurred in Q3, which makes the sequential comparison appear higher.

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