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    Ken Suchoski • Autonomous Research

    Ken Suchoski's questions to Jack Henry & Associates Inc (JKHY) leadership

    Ken Suchoski's questions to Jack Henry & Associates Inc (JKHY) leadership • Q4 2025

    Question

    Ken Suchoski of Autonomous Research sought clarification on the quarterly cadence for non-GAAP revenue growth in the second half of fiscal 2026. He also asked about industry pricing dynamics, specifically where competitors are being most aggressive and what has driven this behavior.

    Answer

    CFO & Treasurer Mimi Carsley confirmed the non-GAAP revenue growth cadence would see Q1 as the strongest, Q2 weaker, and then increasing through Q3 and Q4. President & CEO Greg Adelson explained that competitors are most aggressive in defending their existing clients against Jack Henry's new core pursuits, but emphasized that Jack Henry continues to command the highest pricing and was not the low-price bidder on any of its 51 core wins.

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    Ken Suchoski's questions to Corpay Inc (CPAY) leadership

    Ken Suchoski's questions to Corpay Inc (CPAY) leadership • Q2 2025

    Question

    Ken Suchoski asked about the sustainability of the U.S. Vehicle segment's recovery to mid-single-digit growth and the key building blocks for that growth. He also revisited the Q3 vs. Q4 growth outlook, noting the significantly harder year-over-year comparison in Q4 and asking for the expected organic growth cadence.

    Answer

    President, Chairman & CEO Ronald Clarke expressed hope for sustained mid-single-digit growth in U.S. Vehicle, driven by better retention from a better client mix (less micro), new large account wins, and cross-selling corporate payment solutions to the large fleet client base. Regarding the Q4 comp, Clarke clarified that organic growth in Q3 is expected to be slightly better than Q4 (e.g., 10.5-11% vs. 9.5-10%) due to a one-time benefit in the prior year's Q4, making the grow-over tougher.

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    Ken Suchoski's questions to Corpay Inc (CPAY) leadership • Q2 2025

    Question

    Ken Suchoski asked about the sustainability of mid-single-digit growth for the U.S. Vehicle segment and the key building blocks for that growth. He also revisited the Q3 versus Q4 growth cadence, noting the significantly harder year-over-year comparison in Q4 and asking for the expected organic growth in each quarter.

    Answer

    President, Chairman & CEO, Ronald Clarke, expressed hope for sustained mid-single-digit growth in U.S. Vehicle, driven by improved retention from a better client mix (less micro) and cross-selling corporate payment solutions to the large fleet client base. He clarified the second-half cadence, stating that Q3 organic growth will likely be slightly better (10.5-11%) than Q4 (9.5-10%) due to a one-time benefit in the prior year's Q4, smoothing out the tough comparison.

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    Ken Suchoski's questions to Global Payments Inc (GPN) leadership

    Ken Suchoski's questions to Global Payments Inc (GPN) leadership • Q2 2025

    Question

    Ken Suchoski asked about the strategy for scaling the Genius platform in international markets, including brand introduction, the need for new partnerships, and the level of reinvestment required.

    Answer

    President & COO Robert Cortopassi explained that the international rollout of Genius will leverage the company's existing distribution, including direct sales teams and joint ventures, and does not require new partnerships. He noted the platform was designed to be international, making localization for currency and fiscal requirements an incremental effort rather than a full re-architecture. CEO Cameron Bready added that Global Payments is already a well-recognized brand in these markets, which should facilitate adoption.

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    Ken Suchoski's questions to Global Payments Inc (GPN) leadership • Q2 2025

    Question

    Ken Suchoski asked about the strategy for scaling the Genius platform in international markets, focusing on distribution partnerships and the level of reinvestment required to capture market share.

    Answer

    President & COO Robert Cortopassi explained that the international rollout of Genius will leverage the company's existing, scaled distribution networks, including direct sales, bank partnerships, and JVs. He emphasized that the platform was designed with international capabilities, minimizing the need for major re-architecture in new markets. CEO Cameron Bready added that Global Payments' established brand recognition in these regions provides a strong foundation for a rapid and effective launch.

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    Ken Suchoski's questions to Fidelity National Information Services Inc (FIS) leadership

    Ken Suchoski's questions to Fidelity National Information Services Inc (FIS) leadership • Q2 2025

    Question

    Ken Suchoski of Autonomous Research sought more detail on the Capital Markets growth slowdown and asked for clarification on the prior-year one-time items affecting Banking revenue.

    Answer

    CEO Stephanie Ferris attributed the Capital Markets recurring revenue slowdown to temporary weakness in loan syndication, while noting the overall growth variance from Q1 was due to the timing of a large license renewal. CFO James Kehoe specified the prior-year Q4 banking items were a $33 million negative impact from a termination fee reversal and a contract adjustment.

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    Ken Suchoski's questions to Mastercard Inc (MA) leadership

    Ken Suchoski's questions to Mastercard Inc (MA) leadership • Q2 2025

    Question

    Ken Suchoski followed up on the pricing topic, asking if Mastercard will begin lapping the pricing initiatives from 2024, particularly around tokenization, in the second half of the current year.

    Answer

    CFO Sachin Mehra confirmed that the company will indeed lap the value delivery and associated pricing from the previous year during the second half. However, both he and CEO Michael Miebach stressed that their focus is on a continuous cycle of creating new value for new and existing customers across different markets and buying centers, which provides ongoing growth opportunities beyond any single pricing event.

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