Analyst
Janney
Equibles does not estimate personal net worth.
John Rowan is recorded as Analyst at Janney. John Rowan has spoken on 3 earnings calls across 2 companies, most recently for Upbound Group, Inc. on November 4, 2021. Those appearances were for World Acceptance Corp (WRLD) and Upbound Group, Inc. (UPBD). The companies whose calls John Rowan spoke on are classified in the Financial Services and Technology sectors.
“Can you remind me what is included and not included out of your current objectives in the guidance for 2023? Just run through, because I believe there was a lot that was basically excluded from that number that you're currently undertaking.”
“So just to be clear, you said that you increased provisioning on new customers, but you must have released some reserves on older accounts. Is that correct? Because you do say in the release that the aged portfolio is performing better than you had anticipated.”
“So, it looks — correct me if I’m wrong, but provision is $32 million, but it looks like you charged off about $49 million. I realize that you reduced the allowance ratio as well sequentially because of a reduction in 91-day past due accounts.”
Janney
Analyst
Source not stated
Credit Services · Financial Services
UPBD
Software - Application · Technology
