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    Logan HennenNorthland Capital Markets

    Logan Hennen's questions to Green Dot Corp (GDOT) leadership

    Logan Hennen's questions to Green Dot Corp (GDOT) leadership • Q2 2025

    Question

    Logan Hennen, on for Mike Grondahl, requested additional color on the drivers behind the strong B2B growth from existing partners and asked for an update on the crypto.com partnership.

    Answer

    CRO & Interim President Chris Ruppel attributed the B2B growth to expanding solution sets and developing new features with partners to drive customer engagement and monetization. CFO Jess Unruh added that successful contract renewals with improved economics also contributed. Regarding crypto.com, Mr. Ruppel expressed excitement about the long-term potential and confirmed that teams are working closely to bring the solution to market, but did not share further specifics.

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    Logan Hennen's questions to Mitek Systems Inc (MITK) leadership

    Logan Hennen's questions to Mitek Systems Inc (MITK) leadership • Q3 2025

    Question

    Logan Hennen of Northland Capital Markets inquired about the outlook for returning to double-digit growth in 2026, the reasons for the year-over-year decline in deposit software revenue, the pipeline for Check Fraud Defender, and management's key points of excitement for the future.

    Answer

    CFO Dave Lyle stated that while not providing 2026 guidance yet, the focus is on continued execution, with growth driven by SaaS solutions and cost discipline enabling reinvestment. Both Lyle and CEO Ed West clarified that the deposit revenue decline was due to deal timing pulling revenue into the prior quarter and that the business remains stable on a trailing-twelve-month basis. West highlighted a strong Check Fraud Defender pipeline with large institutions in pilot phases and expressed excitement about integrating the company's assets to address the growing threat of AI-driven fraud.

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    Logan Hennen's questions to Medallion Financial Corp (MFIN) leadership

    Logan Hennen's questions to Medallion Financial Corp (MFIN) leadership • Q2 2025

    Question

    Logan Hennen, on behalf of Mike Grondahl, asked about the year-over-year increase in recreational loan delinquencies, the reasons for lower loan originations, the unit economics of strategic partnership loans, and the forward-looking outlook for growth, margins, and credit.

    Answer

    EVP & CFO Anthony Cutrone attributed higher delinquencies to older loan vintages predating a mid-2023 credit tightening, noting newer loans are performing better. He cited disciplined underwriting and capital management for lower originations, which should improve following a recent capital raise. President & COO Andrew Murstein explained that strategic partnerships generate 20-50 bps in fees plus interest float on high-yield loans. Cutrone projected the net interest margin would remain around 8% with stable credit standards.

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    Logan Hennen's questions to Medallion Financial Corp (MFIN) leadership • Q4 2024

    Question

    Logan Hennen of Northland Capital Markets inquired about the rationale for selling $121 million in recreation loans, the outlook on credit quality and delinquency trends, the potential for net interest margins to bottom in 2025, loan growth expectations, and the forward-looking operating expense run rate.

    Answer

    Executive Andrew Murstein explained the recreation loan sale provides another funding option amid stronger-than-expected volume and should close within 30-60 days. Executive Anthony Cutrone addressed the other points, noting that while Q4 is a seasonal high for delinquencies, recent loan vintages are performing better due to tighter credit standards. He was hesitant to call a bottom on margins but stated that higher rates on new originations are counteracting rising fund costs. Cutrone projected mid-to-high single-digit portfolio growth for 2025 and guided for quarterly operating expenses to be around $21 million to $21.5 million to support growth and new initiatives.

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