Justin Forsythe's questions to ADYYF leadership • Q1 2025
Question
Sought clarification on whether the guidance for 'slight acceleration' in revenue is an upside case if a macro slowdown is assumed. Also asked about the capital requirements for the new lending product, its ramp-up velocity, and any discussions with credit rating agencies about capital allocation.
Answer
The executive clarified that while macro is a factor, the largest driver of growth is wallet share gains, which remain on track. For the capital product, it can be funded from the balance sheet for the foreseeable future and will take time to ramp. The company remains in dialogue with rating agencies, but no short-term changes to capital allocation are planned.