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    Ryan [Last Name Unknown] • Bank of America

    Ryan [Last Name Unknown]'s questions to Peloton Interactive Inc (PTON) leadership

    Ryan [Last Name Unknown]'s questions to Peloton Interactive Inc (PTON) leadership • Q3 2025

    Question

    An analyst named Ryan from Oppenheimer asked about the long-term strategy and building blocks for returning to positive top-line growth, and about the forward-looking approach to the balance sheet and deleveraging.

    Answer

    CEO Peter Stern outlined the growth formula: 1) Improving member outcomes to increase average revenue per member, 2) Meeting members in more places to grow the member base, and 3) Creating members for life to lower churn and increase lifetime value. CFO Liz Coddington stated that the top priority for the balance sheet is continued deleveraging to reduce the cost of capital and create future optionality for capital allocation, including paying down debt and investing in strategic growth initiatives.

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    Ryan [Last Name Unknown]'s questions to Opendoor Technologies Inc (OPEN) leadership

    Ryan [Last Name Unknown]'s questions to Opendoor Technologies Inc (OPEN) leadership • Q4 2024

    Question

    An analyst, identifying as Ryan from Bank of America, asked about the drivers of the implied 5% organic EBITDA growth in 2025 guidance, the risk of dealer confusion with new technology, and the franchise versus independent dealer mix.

    Answer

    CEO Peter Kelly attributed the guided growth primarily to the Marketplace segment, despite headwinds from divestitures and lower commercial volumes. He noted that while platform changes are managed carefully, dealers rate the platform highly for ease of use. He clarified that franchise dealers are the primary buyers of commercial volume and sellers of D2D volume, while independent dealers are the primary buyers of D2D volume.

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