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    Hal Goetsch • B. Riley Financial, Inc.

    Hal Goetsch's questions to CPI Card Group Inc (PMTS) leadership

    Hal Goetsch's questions to CPI Card Group Inc (PMTS) leadership • Q2 2025

    Question

    Hal Goetsch from B. Riley Securities sought clarification on the financial impact of tariffs and the Indiana facility transition costs. He also asked about any pull-forward in customer orders due to tariff news and the relative cost of a chip per card.

    Answer

    CFO Jeffrey Hochstadt confirmed the expected annual cost impacts are approximately $5 million from tariffs and $3 million from the Indiana facility transition. CEO John Lowe noted that the company has not seen any customer order pull-forward. For competitive reasons, management declined to specify the chip cost per card but affirmed it is the most significant material cost component.

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    Hal Goetsch's questions to Sezzle Inc (SEZL) leadership

    Hal Goetsch's questions to Sezzle Inc (SEZL) leadership • Q2 2025

    Question

    Hal Goetsch of B. Riley Financial questioned the sequential volatility in Sezzle's effective take rate, asking if the high Q1 figure was an anomaly and how investors should think about the metric's seasonality going forward.

    Answer

    Executive Chairman & CEO Charlie Youakim confirmed that Q1's high take rate was an anomaly driven by seasonality. He explained that revenue from high-volume Q4 transactions is recognized in Q1, which has a lower GMV base, thus inflating the rate. He also highlighted that a shift to lower-cost ACH payments reduces the top-line take rate but improves gross margin, which exceeded 60% in Q2.

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    Hal Goetsch's questions to Pagaya Technologies Ltd (PGY) leadership

    Hal Goetsch's questions to Pagaya Technologies Ltd (PGY) leadership • Q2 2025

    Question

    Hal Goetsch requested more detail on the process of onboarding a new bank partner, particularly one with limited technical resources, asking about the specific workflows and assets Pagaya provides.

    Answer

    Co-Founder and President Sanjiv Das detailed a rigorous 6-to-9-month onboarding process that goes far beyond tech integration. It includes deep dives into model review, risk management, regulatory compliance, and legal 'true lender' qualifications before the final tech integration begins. He noted that these high entry barriers create a strong, lasting partnership once completed.

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    Hal Goetsch's questions to Oportun Financial Corp (OPRT) leadership

    Hal Goetsch's questions to Oportun Financial Corp (OPRT) leadership • Q2 2025

    Question

    Hal Goetsch of B. Riley Financial sought to confirm the number of loans originated in the quarter, which he noted implied a strategy of smaller loans to new borrowers, and asked about the mix of first-time borrowers.

    Answer

    CEO Raul Vazquez corrected his earlier figure, confirming 156,000 loans were originated. He affirmed the strategy is to focus on smaller loans to attract new borrowers who can become high-quality repeat customers, though he did not provide a specific percentage mix of new versus returning members for the quarter.

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    Hal Goetsch's questions to Triumph Financial Inc (TFIN) leadership

    Hal Goetsch's questions to Triumph Financial Inc (TFIN) leadership • Q2 2025

    Question

    Hal Goetsch of B. Riley Financial, Inc. inquired about the strategy and progress regarding the monetization and pricing of the TriumphPay payments network.

    Answer

    CEO Aaron Graft described the business's transition from a 'start-up mode' focused on market share to a 'value mode' focused on monetization. President of Payments & Banking Todd Ritterbusch added that after assessing the value created for clients, the company is confidently moving forward with repricing conversations, which will accelerate with larger brokers in Q3.

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