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    Kenneth Suchoski • Autonomous Research

    Kenneth Suchoski's questions to BILL Holdings Inc (BILL) leadership

    Kenneth Suchoski's questions to BILL Holdings Inc (BILL) leadership • Q3 2025

    Question

    Kenneth Suchoski of Autonomous Research inquired about the potential impact of tariffs on cross-border transaction revenue, asking for details on revenue exposure, currency preferences, and the mix of goods versus services.

    Answer

    CEO René Lacerte clarified that the vast majority of BILL's cross-border transactions are for services, which mitigates direct tariff risk. He added that while there is some shifting behavior in corridors like China, there has been no significant shift between USD and local currency payments, partly due to product improvements like local transfer. He also noted that FX losses were reduced by approximately 65% in Q3 due to new hedging strategies.

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    Kenneth Suchoski's questions to BILL Holdings Inc (BILL) leadership • Q2 2025

    Question

    Kenneth Suchoski sought to clarify the math behind the 0.3 basis point FX impact on the take rate and confirm if the correct baseline for Q3 forecasting is a normalized rate higher than the reported Q2 figure.

    Answer

    CFO John Rettig confirmed the analyst's math was correct. He affirmed that the baseline for future growth is indeed above the reported Q2 overall monetization rate, as the company expects to minimize future FX volatility through product improvements.

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    Kenneth Suchoski's questions to nCino Inc (NCNO) leadership

    Kenneth Suchoski's questions to nCino Inc (NCNO) leadership • Q4 2025

    Question

    Kenneth Suchoski sought clarification on the 6 percentage point headwind to FY26 subscription revenue growth, asking if it was entirely due to international performance, and requested more detail on the issues and leadership changes in Europe.

    Answer

    CFO Greg Orenstein clarified that the 6% headwind was a combination of four factors: lower bookings in international and mortgage, slightly higher churn, conservative booking linearity for FY26, and the new overall guidance philosophy. CEO Sean Desmond added that the EMEA leadership change is aimed at driving growth in Mainland Europe, building on the company's existing success in the UK and Ireland.

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    Kenneth Suchoski's questions to Flywire Corp (FLYW) leadership

    Kenneth Suchoski's questions to Flywire Corp (FLYW) leadership • Q4 2024

    Question

    Kenneth Suchoski from Autonomous Research asked about education market performance outside of Canada and Australia and whether the 2025 revenue growth slowdown is isolated to the education vertical. He also inquired about the drivers of the strong Q4 gross margin and the outlook for 2025.

    Answer

    CEO Mike Massaro confirmed that the Travel and B2B verticals continue to be high-growth franchises, and within Education, the U.K. and EMEA regions remain strong. The slowdown is concentrated in Canada and Australia. CFO Cosmin Pitigoi attributed the Q4 gross margin beat primarily to a positive FX settlement impact, and guided for margins to see 100-200 bps of pressure going forward due to business mix.

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

    Kenneth Suchoski's questions to Jack Henry & Associates Inc (JKHY) leadership • Q2 2025

    Question

    Kenneth Suchoski from Autonomous Research questioned the drivers behind the strong implied 9% revenue growth for the second half of the fiscal year and asked about the Payments segment's correlation to broader network volume trends.

    Answer

    CFO Mimi Carsley attributed the strong back-half outlook to favorable comps, continued healthy payment volumes, and the timing of installations for newer, successful products like Financial Crimes Defender and Banno Business. She clarified that the Payments segment's performance is not solely tied to card volumes, as it also includes faster-growing areas like PayCenter (real-time payments) and more mature services like Bill Pay, which influence the overall segment growth rate.

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    Kenneth Suchoski's questions to Jack Henry & Associates Inc (JKHY) leadership • Q1 2025

    Question

    Kenneth Suchoski asked about the long-term runway for the cloud business to continue its double-digit growth, given that 73% of clients are already on the private cloud. He also requested the building blocks for the guided 6% revenue growth in Q2.

    Answer

    CEO Greg Adelson explained that there is still a multi-year runway for private cloud migration, as remaining clients are often larger, and the public cloud offering will create new migration paths starting in 2026. CFO Mimi Carsley added that client growth also drives cloud revenue. For Q2, she noted that while card revenue should improve slightly, headwinds from hardware comps and slower growth in areas like call center processing lead to the 6% forecast.

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    Kenneth Suchoski's questions to Western Union Co (WU) leadership

    Kenneth Suchoski's questions to Western Union Co (WU) leadership • Q3 2024

    Question

    Kenneth Suchoski sought to confirm his calculations for physical retail revenue excluding Iraq and asked about the investment areas and margin trajectory for the fast-growing Consumer Services business.

    Answer

    CFO Matt Cagwin confirmed the analyst's retail revenue math was 'spot on' and anticipates modest improvement in Q4. For Consumer Services, CEO Devin McGranahan outlined investments across transactional products, bill pay, and new ventures like digital wallets. Cagwin added that while there are upfront costs, the goal is for every new product to achieve margins at or above the company average once it reaches scale, with timelines varying by product.

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