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Will Brenneman

Research Analyst at Northcoast Research

Will Brenneman is an Equity Research Analyst at Northcoast Research focusing on coverage of public companies such as Better Home & Finance Holding Co and Deluxe Corp. He has participated in multiple earnings calls and contributed to primary company analysis, although comprehensive third-party performance ranking metrics and returns data for his recommendations are not presently available. Brenneman began his analyst work at Northcoast Research and there is no public record of prior experience at other firms. His professional credentials and securities licenses are not listed in publicly available profiles.

Will Brenneman's questions to Better Home & Finance Holding (BETR) leadership

Question · Q4 2024

Will Brenneman from Northcoast Research asked about the timeline for NEO Home Loans to regain its previous volume, when cost savings from AI will be fully realized, and the potential for expansion in the retail distribution channel.

Answer

CFO Kevin Ryan projected NEO would return to its prior volume run-rate by Q3. CEO Vishal Garg stated that cost savings from AI are already beginning to show and will continue to ramp, with a goal of 75% of loans being AI-underwritten by the end of 2025. Garg sees a massive expansion opportunity in retail, comparing it to the disruption RIA platforms brought to wirehouses by offering a superior tech platform to loan officers.

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Question · Q4 2024

Asked about the timeline for NEO to return to its previous volume, when cost efficiencies from AI will be fully realized, and the expansion opportunities in the retail channel.

Answer

NEO is expected to return to its prior volume run-rate by Q3 and grow from there, with strong inbound interest from other loan officers. Cost savings from AI will be realized progressively, with a goal of 75% of loans being AI-underwritten by the end of 2025. The retail channel expansion opportunity is seen as massive, analogous to the disruption tech platforms brought to the financial advisor (RIA) space.

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Will Brenneman's questions to DELUXE (DLX) leadership

Question · Q3 2024

Will Brenneman asked about the competitive environment and pricing pressure in the Merchant business, transaction growth trends, and the potential impact of increased bank M&A activity on the Check business.

Answer

President and CEO Barry McCarthy stated that while competition exists, Deluxe's focus on service in durable niches mitigates direct price pressure, noting that a recent major bank win was based on service, not price. He described transaction volumes as 'solid' and stabilized. On bank M&A, McCarthy called it 'almost always a very positive for Deluxe,' citing a high success rate in winning the combined business of merged banks, as exemplified by the past Truist deal. CFO Chip Zint added that consolidation does not reduce the end market for their products.

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