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    Nik Cremo

    Research Analyst at UBS Group AG

    Nik Cremo is an Analyst at UBS, specializing in equity research within the technology and industrials sectors, and covering companies such as WEX, MeridianLink (MLNK), Nayax Ltd (NYAX), among others. He has issued 98 price targets and ratings on 9 stocks, maintaining a price target met ratio of 72.17% with a potential upside of 14.19% achieved within 130 days on average; his best call was a price target for MLNK, achieving an 11.9% return in three days and a top performance score of 39.67. Starting his career at Credit Suisse before joining UBS, Cremo has built a track record for recommendations with an emphasis on actionable targets, although his overall success rate stands at 50% with an average return of -10.94%. Nik Cremo is a registered broker with UBS Securities LLC, holding relevant securities licenses as recorded by FINRA.

    Nik Cremo's questions to JACK HENRY & ASSOCIATES (JKHY) leadership

    Nik Cremo's questions to JACK HENRY & ASSOCIATES (JKHY) leadership • Q4 2025

    Question

    Nik Cremo of UBS Group AG inquired about the expected revenue growth breakdown between the Core, Payments, and Complementary segments for fiscal 2026, noting potential headwinds in Payments and a lower number of new Banno wins in fiscal 2025 versus 2024.

    Answer

    CFO & Treasurer Mimi Carsley stated that for fiscal 2026, the Core segment is expected to remain solid, the Payments segment will likely perform towards the bottom end of its near-term target range, and the Complementary segment is anticipated to show solid growth near the higher end of its algorithm range.

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    Nik Cremo's questions to Nayax (NYAX) leadership

    Nik Cremo's questions to Nayax (NYAX) leadership • Q2 2025

    Question

    Nik Cremo of UBS Group asked about the competitive dynamics of winning the recent EV charging partnerships with Autel and Linqwell, and what factors led to Nayax being selected.

    Answer

    CSO Aaron Greenberg and CEO Yair Nechmad attributed the wins to Nayax's deep technical expertise and first-mover advantage in the complex EV charging industry. They highlighted the UNO Mini embedded device as a key differentiator, which provides OEMs a single, certified SKU for global distribution. This creates significant product stickiness and simplifies the supply chain for partners, a major competitive advantage.

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    Nik Cremo's questions to Nayax (NYAX) leadership • Q2 2025

    Question

    Nik Cremo of UBS Group AG asked about the competitive dynamics of the recent EV charging partnership wins with Autel and Linkwell, and why Nayax was ultimately selected.

    Answer

    CSO Aaron Greenberg attributed the wins to Nayax's deep industry experience, technical expertise, and a differentiated 'first mover' embedded product, the UNO Mini. He emphasized the complexity of the integration and certification process, which creates a high barrier to entry. CEO Yair Nechmad added that Nayax's global footprint, allowing OEMs to use a single 'plug and play' payment SKU across more than 100 countries, is a significant competitive advantage.

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    Nik Cremo's questions to Nayax (NYAX) leadership • Q2 2025

    Question

    Nik Cremo of UBS Group inquired about the competitiveness of the recent EV charging partnership deals with Autel and Linqwell, and asked why Nayax was ultimately chosen as the preferred partner.

    Answer

    CSO Aaron Greenberg attributed the wins to Nayax's deep industry experience, a differentiated and first-mover product in the UNO Mini, and the high stickiness created by integrating during the OEM's certification process. CEO Yair Nechmad emphasized that Nayax's global footprint across 100+ countries offers a key advantage, allowing manufacturers to use a single 'plug and play' SKU worldwide.

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    Nik Cremo's questions to WEX (WEX) leadership

    Nik Cremo's questions to WEX (WEX) leadership • Q2 2025

    Question

    Nik Cremo from UBS Group asked for clarification on the Mobility segment's underlying growth trajectory, considering lapping same-store sales weakness and a prior-year late fee reversal. He also inquired about the BP portfolio conversion timeline and associated costs.

    Answer

    CFO Jagtar Narula explained that due to various headwinds, Mobility's second-half growth is expected to mirror the first half. Chair, CEO & President Melissa Smith outlined the BP deal's two phases: new sales beginning in Q4 2025 and the full portfolio conversion expected sometime in 2026. Mr. Narula confirmed that expected costs for this year are already included in the guidance.

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    Nik Cremo's questions to WEX (WEX) leadership • Q2 2025

    Question

    Nik Cremo asked for clarification on the Mobility segment's underlying growth trajectory for the back half of the year, considering lapping comps and a prior-year fee reversal. He also inquired about the BP portfolio conversion timeline and associated costs.

    Answer

    CFO Jagtar Narula clarified that while some prior-year weakness will be lapped, new headwinds in the OTR business mean the second-half growth profile will look similar to the first half. CEO Melissa Smith stated that new BP card sales will begin in Q4 2025, with the existing portfolio conversion expected sometime in 2026. CFO Jagtar Narula confirmed that expected costs for the conversion this year are already included in the company's guidance.

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