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    Greg Peters • Raymond James

    Greg Peters's questions to EverQuote Inc (EVER) leadership

    Greg Peters's questions to EverQuote Inc (EVER) leadership • Q1 2025

    Question

    Mitch, on behalf of Greg Peters, asked about trends in the competitive environment over the last 12 months and expectations for the rest of the year, as well as any anticipated seasonality in VMM.

    Answer

    Executive Jayme Mendal identified the primary competitive change as carriers re-entering the market, which increases both monetization and traffic acquisition costs. He highlighted EverQuote's focused P&C strategy and performance-driven flywheel as key differentiators. Executive Joseph Sanborn added that EverQuote's 13% sequential revenue growth was favorable relative to peers. Regarding VMM, Sanborn stated it should remain in the high 20s, with fluctuations reflecting the broader ad environment rather than predictable seasonality.

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    Greg Peters's questions to Arthur J. Gallagher & Co. (AJG) leadership

    Greg Peters's questions to Arthur J. Gallagher & Co. (AJG) leadership • Q1 2025

    Question

    Greg Peters asked for more color on the pricing divergence between small-to-midsize accounts and large accounts, and questioned if there were any changes to the company's perspective on the opportunities with the pending AssuredPartners acquisition.

    Answer

    J. Gallagher, an executive, confirmed that larger accounts, which are often better risk-managed, are seeing better pricing due to their negotiating power. CFO Douglas Howell added that the trend is linear, with smaller accounts seeing higher rate increases. Regarding AssuredPartners, Gallagher stated their excitement has grown, noting strong employee retention at AP and positive interactions between the teams.

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    Greg Peters's questions to Marsh & McLennan Companies Inc (MMC) leadership

    Greg Peters's questions to Marsh & McLennan Companies Inc (MMC) leadership • Q4 2024

    Question

    Greg Peters sought to clarify the accounting for the $450-$500 million in McGriff-related retention incentives and how they would flow through the income statement as adjustments. He also asked about the outlook for restructuring charges in 2025 following the conclusion of the recent program.

    Answer

    CFO Mark McGivney explained that the $450-$500 million in noteworthy charges over three years will be primarily for retention, a significant portion of which was seller-funded but must be amortized through the company's financials. He clarified that the restructuring program started in 2022 is now closed, and future noteworthy items will predominantly be related to the McGriff integration rather than a new company-wide program.

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    Greg Peters's questions to Kemper Corp (KMPR) leadership

    Greg Peters's questions to Kemper Corp (KMPR) leadership • Q3 2024

    Question

    Greg Peters of Raymond James inquired about the specific market dynamics in California, Florida, and Texas that define the 'hard market' and questioned the decision to retire $450M in debt given the company's growth ambitions.

    Answer

    CEO Joseph Lacher and President of Kemper Auto Matthew Hunton detailed state-specific conditions, noting reduced supply in California and favorable pricing in Florida and Texas. EVP & CFO Bradley Camden explained the debt retirement is capital-efficient, as it reduces a leverage penalty and is supported by strong liquidity and capitalization, with future earnings also funding growth.

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    Greg Peters's questions to Healthequity Inc (HQY) leadership

    Greg Peters's questions to Healthequity Inc (HQY) leadership • Q2 2025

    Question

    Sid, on behalf of Greg Peters from Raymond James, asked if the growth in the enhanced rates product is primarily from new HSA assets or if existing members are also reallocating funds into it.

    Answer

    President and CEO Jon Kessler explained that this year, growth is primarily from new assets, such as those from the BenefitWallet acquisition. He clarified that the next phase of growth to reach the 60% target will involve migrating existing members from maturing basic rate contracts to the enhanced rate option as their default, a process governed by the existing maturity schedule of bank agreements.

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