John Gamble

“Before we discuss 4Q and calendar year 26 guidance, I'd like to spend a minute discussing the current weakness in the U.S. mortgage market and the impact it's had on 3Q26 results as well as 4Q26 guidance.”

“Well, guidance we gave in July is kind of as Mark indicated, right, that we were expecting to see overall we're going to see a decline in the mortgage market in terms of originations, right?”

“We are holding our full-year 2026 financial guidance on a reported basis to be unchanged from our April guidance. On a constant currency basis, we raised our guidance consistent with our second quarter revenue beat.”

“Another area we're using AI is we now have this alternative data and advanced scoring, but historically, those were generally used by larger financial institutions that had large data and analytics organizations.”

“Slide 13 provides the specifics of our 2026 full year guidance. As Mark indicated, we are holding our full year 2026 revenue guidance on a constant currency basis to be unchanged from our February guidance.”