Analyst
J.P. Morgan
Equibles does not estimate personal net worth.
Tian Huang is recorded as Analyst at J.P. Morgan. Tian Huang has spoken on 7 earnings calls and 1 other investor event across 7 companies, most recently for Chime Financial, Inc. on November 4, 2026. Those appearances were for Fidelity National Information Services, Inc. (FIS), Chime Financial, Inc. (CHYM), Remitly Global, Inc. (RELY), Paymentus Holdings, Inc. (PAY), DXC Technology Co (DXC) and 2 other companies. The companies whose calls Tian Huang spoke on are classified in the Technology sector.
“I wanted to ask just on the accelerating member growth. It's been obviously very good, and you're also getting the faster payback with the reduced CAC. So, can you summarize for us what's working well, and is there more room for improvement on the CAC side?”
“I'm just curious, thinking about the high-teens revenue growth and the similar margins as 26, as you called out, should we consider this initial look as a deliberate investment year kind of comment, given the margin discussion, plus some of the AI?”
“Just to build on the agentic question before, just thinking about Bill Wallet, should we expect you to have native integrations with some of these personal AI assistants, or is that not necessarily the intent?”
“I appreciate you going through the puts and takes here. I just want to better understand the capital markets piece, if you don't mind, just the weakness in the professional services.”
“So the large bookings did come through, helped book the bill in GIS, the opening backlog you talked about, Rob. So I'm just curious from here, thinking about bookings in the coming quarter or two, any call-outs and visibility and ability to replenish?”
J.P. Morgan
Analyst
Transcript header (unverified)
Information Technology Services · Technology
RELY
Software - Infrastructure · Technology
Software - Infrastructure · Technology
Information Technology Services · Technology
Software - Infrastructure · Technology
XYZ
Software - Infrastructure · Technology
