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Randy

Managing Director and Senior Equity Analyst at Citigroup

Randy Binner is a Managing Director and Senior Equity Analyst at Citigroup, specializing in insurance and financial services sector research, with a distinct focus on major insurers such as MetLife, Prudential Financial, and Chubb. He has built a reputation for high-quality investment analysis, maintaining a success rate near 60% on TipRanks and consistently ranking among the top analysts in his sector, with average returns above the peer median. Randy began his Wall Street career in the early 2000s at FBR Capital Markets before joining Citigroup in 2011, bringing extensive expertise in fundamental research and portfolio strategy. He holds FINRA Series 7, 63, and 86/87 securities licenses, with frequent mentions in industry publications for his accurate predictions and sector leadership.

Randy's questions to UNITED RENTALS (URI) leadership

Question · Q4 2025

Randy asked about the 'inning' of mega project spend, seeking a longer-term outlook beyond 2026, given the expectation of another strong year. He also requested more color on the cost actions mentioned in the prepared remarks to offset headwinds and their expected contribution to margins and progression throughout the year.

Answer

Ted Grace, Chief Financial Officer, stated that the outlook for mega projects is very healthy and not in the later innings, driven by 6-8 tailwinds including infrastructure, technology, power, and data centers. Matthew Flannery, President and Chief Executive Officer, explained that cost actions are focused on mitigating repositioning costs through improved tools and oversight, along with other hard cost reductions. He noted that benefits would build throughout the year, not as a 'light switch,' with more mitigation opportunities arising during peak volume quarters.

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Question · Q4 2025

Randy asked for United Rentals' long-term outlook on mega project spend, using an 'innings' analogy to gauge its maturity, and sought color on the cost actions being taken to offset headwinds in 2026, including their expected contribution to margins.

Answer

CFO Ted Grace stated that the outlook for mega projects is very healthy, and they don't believe it's in the later innings, citing multiple tailwinds across infrastructure, technology, and power. CEO Matthew Flannery explained that cost actions are focused on mitigating repositioning costs, especially during peak activity, and other hard cost reductions, all embedded in the guidance to protect margins and ensure profitable growth. He noted that benefits would progress throughout the year, not as a 'light switch.'

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Randy's questions to Alliance Laundry Holdings (ALH) leadership

Question · Q3 2025

Randy inquired about margin drivers beyond volume and price for 2026, specifically cost-down and manufacturing efficiency initiatives. He also asked for an overview of the M&A pipeline, past acquisition sizes, and target areas.

Answer

CEO Mike Shabe identified product mix (larger capacity products), continuous cost-down opportunities (executed cautiously to maintain quality), and factory efficiency optimization as key margin drivers. Regarding M&A, Mr. Shabe noted the company's capability, having completed 16 smaller tuck-in distributor acquisitions in the U.S., emphasizing that M&A supplements strong organic growth and is not a necessity, with ongoing conversations but no immediate manufacturing-side targets.

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