Senior Analyst and Managing Director at Richard Bernstein Advisors LLC
Gi-Hae Ma is a Senior Analyst and Managing Director at Bernstein, specializing in research coverage of the U.S. Payments, Processors, and IT Services sector, with a particular focus on industry leaders such as Visa, Mastercard, Fiserv, Fidelity National, and Global Payments. She is consistently recognized as a top-ranked analyst for her deep industry expertise and has been featured in independent rankings for forecast accuracy and alpha generation. Gi-Hae Ma joined Bernstein following over a decade of experience in payments strategy roles at American Express and McKinsey, and has held her current role since 2018. She holds multiple professional licenses including FINRA Series 7, 63, 86, and 87, reflecting her strong regulatory and industry credentials.
Gi-Hae Ma asked about Dollar Tree's service and in-stock levels in stores following Q2's strong performance and whether additional investments are needed to sustain momentum in the second half.
CEO Michael Creedon expressed satisfaction with store progress and in-stock levels, noting that distribution centers are in their best position in recent memory for the holiday season. He highlighted an improving shopping experience and positive customer feedback from surveys.
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