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Stan Berenstein

Research Analyst at Wells Fargo

Available public information does not clearly identify a Wells Fargo analyst named Stan Berenstein with a verifiable professional footprint, so a reliable, detailed biography cannot be produced without risking inaccuracy or confusing them with another individual. To respect privacy and avoid misattributing career history, company coverage, or performance metrics, no specific claims can be made about their title, track record, or credentials. Any attempt to infer a career timeline, covered companies, or securities licenses from similarly named individuals would be speculative and potentially misleading. As a result, this profile intentionally omits fabricated details and instead reflects the lack of sufficiently confirmed public data about this person.

Stan Berenstein's questions to American Well (AMWL) leadership

Question · Q4 2025

Stan Berenstein asked about the timing of existing client contract renewals in 2026 and requested additional details regarding government opportunities, particularly in the context of progress towards free cash flow breakeven despite retention challenges.

Answer

Chairman and CEO Ido Schoenberg explained that most 2025 renewals secured the recurring revenue base, significantly reducing open renewals in 2026, with the Defense Health Agency (DHA) renewal being a key exception expected in summer 2026. He expressed optimism for a multi-year DHA renewal.

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Stan Berenstein's questions to HEALTHEQUITY (HQY) leadership

Question · Q3 2026

Stan Berenstein with Wells Fargo inquired about HealthEquity's marketing strategy and sales/marketing expense progression for the new direct HSA enrollment platform targeting ACA members, and the company's plans for de-risking longer-duration assets beyond August 2027 through forward contracts.

Answer

CEO Scott Cutler detailed the new retail enrollment flow, highlighting a seamless digital experience, a $25 new account match, integrated plan partner marketing, and a ramp-up in brand and growth marketing spend in Q4. EVP and CFO James Lucania explained the strategy for extending interest rate hedges further into fiscal 2027 and 2028, noting a reduced concentration of maturities in later fiscal years.

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Fintool can predict HEALTHEQUITY logo HQY's earnings beat/miss a week before the call

Question · Q3 2026

Stan Berenstein inquired about HealthEquity's marketing strategies for the new direct HSA enrollment platform targeting ACA members, the expected progression of sales and marketing expenses, and plans to de-risk longer-duration assets beyond August 2027 using forward contracts.

Answer

CEO Scott Cutler detailed the seamless enrollment experience, competitive $25 new account match, and integrated marketing with plan partners, noting a ramp-up in Q4 marketing spend. CFO James Lucania explained the strategy to extend hedging into fiscal 2028 and 2029, focusing on chipping away at future maturities.

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