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Greg Peters

Senior Equity Research Analyst at Raymond James

Gregory Peters is a Senior Equity Research Analyst at Raymond James, specializing in coverage of the insurance sector with a focus on major companies such as The Hartford. He has established a performance track record reflected by analyst recommendation monitoring platforms, where his buy/sell calls are publicly ranked; MarketBeat and TipRanks provide ongoing analysis of his success rates and returns, documenting consistent, data-backed investment recommendations. Peters's career at Raymond James began following previous analyst roles, and his coverage and influence across the insurance industry are recognized by inclusion on prominent institutional investor and corporate coverage lists. He holds industry-standard securities licenses, reflected by his professional analyst status and coverage responsibilities at a top investment firm.

Greg Peters's questions to MARSH & MCLENNAN COMPANIES (MMC) leadership

Greg Peters's questions to MARSH & MCLENNAN COMPANIES (MMC) leadership • Q3 2025

Question

Greg Peters asked about the company's outlook on growth, specifically if the current mid-single-digit underlying revenue growth guidance might trend lower to low to mid-single digits over the next 24-36 months, considering the challenging P&C pricing environment and macro uncertainties like a potential government shutdown. He also inquired about the strategy for MMA's London Wholesale business, asking if it's primarily for internal opportunities or if it might expand to serve other retailers.

Answer

President and CEO John Doyle clarified that the company's current guidance is for mid-single-digit underlying revenue growth in 2025, acknowledging macro and P&C pricing pressures. He expressed confidence in Marsh McLennan's ability to execute across different economic and P&C cycles, highlighting the potential of the Thrive program for future growth. Regarding MMA's London Wholesale, Mr. Doyle stated the company is not building a third-party wholesale business but leveraging internal specialty talent to reduce outsourcing where unnecessary and to capture revenue synergies from McGriff's business, particularly in bringing U.S.-originated risk to the London market.

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Greg Peters's questions to MARSH & MCLENNAN COMPANIES (MMC) leadership • Q3 2025

Question

Greg Peters followed up on Marsh McLennan's intention to start a wholesale business, specifically MMA London Wholesale, inquiring if it's solely for internal opportunities or if it might expand to work with other retailers and organizations.

Answer

John Doyle, President and CEO of Marsh McLennan, clarified that the company is not looking to build a third-party wholesale business. He explained that they are leveraging their market-leading specialty talent internally to avoid unnecessary outsourcing, while still using third-party wholesalers for specific E&S market access. He confirmed the creation of a new desk in London for MMA, led by Reed Davis and Lizzy Howe, as a revenue synergy for McGriff, aiming to bring in business from third-party wholesalers in 2026.

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Greg Peters's questions to MARSH & MCLENNAN COMPANIES (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 HEALTHEQUITY (HQY) leadership

Greg Peters's questions to HEALTHEQUITY (HQY) leadership • Q2 2026

Question

Greg Peters asked for clarification on HealthEquity's locked interest rates for the upcoming year, specifically if the 4% rate applies to all maturities and both enhanced yield and traditional FDIC products. He also inquired about any nuances in Q2's HSA net new accounts and AUM growth.

Answer

James Lucania, CFO, clarified that the 4% lock on the five-year Treasury applies to basic rates contracts maturing, with most expected to roll into enhanced rates earning a 75 basis point spread. Scott Cutler, President and CEO, stated no specific nuance to Q2 results, noting the company is ahead of expectations given the macro environment and is investing in marketing and improved enrollment for expanded opportunities.

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

Greg Peters's questions to EverQuote (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 & (AJG) leadership

Greg Peters's questions to Arthur J. Gallagher & (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 KEMPER (KMPR) leadership

Greg Peters's questions to KEMPER (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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