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    Nik Cremo • UBS Group AG

    Nik Cremo's questions to Jack Henry & Associates Inc (JKHY) leadership

    Nik Cremo's questions to Jack Henry & Associates Inc (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 Ltd (NYAX) leadership

    Nik Cremo's questions to Nayax Ltd (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 Linqwell, and questioned why Nayax was ultimately chosen as the partner.

    Answer

    CSO Aaron Greenberg attributed the wins to Nayax's deep experience and technical know-how in the complex EV charging industry, highlighting the differentiated UNO Mini product as a first-mover advantage that creates stickiness. CEO Yair Nechmad added that Nayax's global footprint across over 100 countries offers OEMs a single, 'plug and play' SKU that works worldwide, which is a significant competitive advantage that few others can offer.

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    Nik Cremo's questions to WEX Inc (WEX) leadership

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

    Question

    Nik Cremo from UBS sought clarity on the Mobility segment's growth trajectory, considering lapping prior-year weakness, and asked about the conversion timeline and costs for the newly won BP portfolio.

    Answer

    CFO Jagtar Narula noted that while some prior-year weakness will be lapped, new headwinds in the OTR market mean Mobility's second-half growth will likely mirror the first half. CEO Melissa Smith detailed the BP deal's two phases: new sales beginning in Q4 2025 and the full portfolio conversion expected sometime in 2026. Jagtar Narula confirmed that expected conversion costs for this year are already included in the guidance.

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