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    Shray Gurtata

    Research Analyst at Barclays

    Shray Gurtata is an Assistant Vice President and Research Analyst at Barclays, specializing in coverage of financial technology companies within the banking sector. He has directly covered firms such as WEX Inc. and Green Dot Corp., contributing to earnings call analyses and providing insights into market trends and company performance; recent activity includes asking targeted questions on earnings calls and engaging in sector-focused research. Shray joined Barclays after gaining relevant experience, with his career timeline indicating progression to AVP-level responsibilities, although prior employers are not detailed. Professional credentials and securities licenses are not specified in public directories, and performance metrics or industry rankings are presently unavailable for public display.

    Shray Gurtata's questions to WEX (WEX) leadership

    Shray Gurtata's questions to WEX (WEX) leadership • Q2 2025

    Question

    Shray Gurtata of Barclays inquired about the specific initiatives and early traction in the Direct AP business, and also asked for the expected reacceleration timeline for the Mobility segment in the second half of the year.

    Answer

    Chair, CEO & President Melissa Smith detailed product investments that enhance global money movement for AP customers, noting strong market demand for WEX's end-to-end processing capabilities is driving a larger pipeline. For Mobility, she stated that the negative same-store sales trends from Q2 are expected to continue, and the anticipated slowdown in the over-the-road market has now normalized.

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    Shray Gurtata's questions to WEX (WEX) leadership • Q2 2025

    Question

    Shray Gurtata, on behalf of Ramsey El Assal, inquired about the investment initiatives and early traction within the Direct AP business, and also asked about the reacceleration timeline for the Mobility segment in the second half of the year.

    Answer

    CEO Melissa Smith explained that product investments are creating synergies across embedded and AP payments, with the company's end-to-end processing capabilities and bank ownership driving a strong pipeline. Regarding Mobility, she stated that the macro environment from Q2 is assumed to continue, with ongoing same-store sales headwinds in the local fleet business and a normalized, slightly negative trend in the over-the-road segment after a tariff-related pull-forward.

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    Shray Gurtata's questions to GREEN DOT (GDOT) leadership

    Shray Gurtata's questions to GREEN DOT (GDOT) leadership • Q4 2024

    Question

    Shray Gurtata of Barclays inquired about the extent of macroeconomic pressure factored into the 2025 guidance and the strategic plan to restore margin stability in the Consumer Services segment.

    Answer

    CFO Jess Unruh explained that the guidance range accounts for potential macro factors like inflation and interest rate changes. He clarified that margin pressure is concentrated in the Consumer segment, while B2B and Money Movement margins are expected to be flat. Unruh and CEO George Gresham detailed plans to improve consumer margins by adding more Financial Service Center (FSC) partners to boost direct deposit rates, optimizing costs, and retiring a costly legacy platform. Gresham added that a user experience upgrade for retail products in 2025 will enable new feature development to improve performance long-term.

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