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    Nikolai Cremo • UBS

    Nikolai Cremo's questions to MeridianLink Inc (MLNK) leadership

    Nikolai Cremo's questions to MeridianLink Inc (MLNK) leadership • Q1 2025

    Question

    Nikolai Cremo questioned where incoming CEO Larry Katz sees the most significant opportunities for organic investment in the product portfolio and asked for expectations regarding the auto lending vertical in 2025, considering potential tariff impacts.

    Answer

    President Larry Katz highlighted key investment areas including digital interfaces like MeridianLink Access, platform automation, partnership integrations, and AI applications across the lending lifecycle. CFO Elias Olmeta addressed auto lending by reiterating the full-year consumer lending growth guidance of 7%, stating that the strong Q1 auto volumes were likely a pull-forward of demand and the company remains prudent given the uncertainty.

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    Nikolai Cremo's questions to Verra Mobility Corp (VRRM) leadership

    Nikolai Cremo's questions to Verra Mobility Corp (VRRM) leadership • Q1 2025

    Question

    Nikolai Cremo of CJS Securities inquired about the expected timeline for finalizing the New York City contract and asked for additional details on the attractive Q2 sales pipeline, particularly regarding any updates on RFPs in California.

    Answer

    CEO David Roberts estimated that the New York City contract would likely be finalized within the next 60 to 90 days. He also confirmed that the company's sales pipeline is strong, with bookings running ahead of their internal plan, and that they feel very good about their position in California, awaiting final updates on RFPs from San Jose and Oakland.

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    Nikolai Cremo's questions to Verra Mobility Corp (VRRM) leadership • Q4 2024

    Question

    Nikolai Cremo asked for an update on the status of speed safety pilot program RFPs in California cities beyond San Francisco and questioned the expected timing for a decision on the New York City RFP.

    Answer

    CEO David Roberts confirmed that the company has responded to an RFP from San Jose and expects RFPs from other cities like Oakland and Los Angeles within the next 3 to 6 months. Regarding the New York City RFP, he stated that while the timing is dependent on the city, Q2 2025 is a 'reasonable guess' for an outcome.

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

    Nikolai Cremo's questions to WEX Inc (WEX) leadership • Q1 2025

    Question

    Nikolai Cremo requested more detail on the composition of the local fleet business (SMB vs. enterprise) and its same-store sales trends, and also asked about the expected growth cadence for the Mobility segment and the magnitude of the OTR slowdown in late April.

    Answer

    CEO Melissa Smith clarified that same-store sales are tracked by industry (NACS codes), not customer size, and were down ratably across a broad base, with construction faring slightly better. CFO Jagtar Narula added that Mobility growth rates are expected to be comparable to Q1 for the rest of the year. He also noted the OTR growth rate saw a 2-3 percentage point reduction in late April, though this was noisy due to the Easter holiday.

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    Nikolai Cremo's questions to WEX Inc (WEX) leadership • Q3 2024

    Question

    Nikolai Cremo asked about the outlook for the Benefits segment, focusing on the pipeline heading into open enrollment season and the level of SaaS account growth needed to drive acceleration in 2025, given some recently mentioned revenue delays.

    Answer

    CEO Melissa Smith expressed strong confidence in the upcoming open enrollment season, stating that year-over-year bookings are higher and that recent revenue delays were due to implementation timing, not lost business. CFO Jagtar Narula highlighted that underlying SaaS account growth was 7% when excluding a specific Medicare Advantage client, which is ahead of market growth rates.

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