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David Lopez

Senior Equity Research Analyst at Wall Street Research

David Lopez is a Senior Equity Research Analyst at Wall Street Research, specializing in coverage of the consumer discretionary and retail sectors with a focus on companies such as Nike, Home Depot, and Macy's. He is recognized for his data-driven approach and has consistently delivered actionable stock recommendations, achieving a success rate of 65% and an average annualized return of 11% on TipRanks. Lopez began his career as a research associate at JPMorgan in 2012, then contributed to sector research at Morgan Stanley before joining Wall Street Research in 2018. He holds FINRA Series 7 and 63 licenses and has received multiple industry accolades for accuracy in earnings estimates and stock performance.

David Lopez's questions to TIM (TIMB) leadership

Question · Q3 2025

David Lopez asked for details on the Q3 price increase, including its magnitude and the percentage of the customer base affected (hybrid vs. pure postpaid). He also inquired about the possibility of a prepaid price increase next year and the margin profile of the B2B segment, specifically if it is dilutive to overall company margins.

Answer

CEO Alberto Griselli clarified that backbook price adjustments for both control and pure postpaid were implemented at the beginning of the year, personalized to minimize churn. Frontbook adjustments for control occurred mid-year, but not for pure postpaid, which is being assessed for Q1 next year. For prepaid, he noted the difficulty of direct price changes due to the offer structure, focusing instead on prepaid-to-control migration. He stated that B2B offerings typically have EBITDA margins below the company average, making them dilutive to EBITDA margin but accretive to the bottom line (cash flow generation).

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Question · Q3 2025

David Lopez inquired about the magnitude and percentage of the customer base affected by the Q3 price increase, specifically for hybrid or pure postpaid customers. He also asked about the possibility of a prepaid price increase next year and the margin profile of the B2B segment.

Answer

CEO Alberto Griselli clarified that back book price adjustments for both control and pure postpaid were made at the beginning of the year, personalized to minimize churn. Front book adjustments were made mid-year for control, with pure postpaid adjustments being assessed for Q1 next year. For prepaid, he mentioned exploring control migration and balancing benefits. He stated B2B offerings are typically dilutive to EBITDA margin but accretive to the bottom line (cash flow generation).

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