While this was consistent with seasonal patterns, we are adjusting our cash flow expectations in the short term to reflect the potential for more flexibility in payment terms related to a worsening macro environment. We're very proud of the progress we've made on our long-term value-creation strategy. The Motley Fool has a disclosure policy. So, these kinds of tools that build new infrastructure that providers use on a recurring basis in their interactions with patients are very, very sticky indeed. I sold my late mother's home for $250,000. For example, we will capture relevant sales signals such as a key contact moving to a new company and then automatically capture replacement contact at the account and alert the sales reps so they can take action on this change while automatically generating related records in the CRM. with InvestingPro. Are you sure you want to block %USER_NAME%? It's nowhere near the magnitude of a major sales reorganization. And especially now to the question, that I think that got asked by Steve a few minutes ago too. The Zacks Consensus Estimate for its current-year earnings has been revised 23.5% upward since November 2021. Davidson. In addition to our speakers, Brian Haendiges, president of our U.S. life insurance segment; and Jerome Upton, deputy chief financial officer and controller, will also be available to take your questions. Your status will be reviewed by our moderators. Daniel Simkowitz to Speak at the BofA Securities 2021 Banking and Financials Conference Morgan Stanley 2Q21 Fixed Income Investor Presentation Andy Saperstein to Speak at the Annual Morgan Stanley U.S. Financials, Payments & CRE Conference Morgan Stanley 1Q21 Fixed Income Investor Presentation Morgan Stanley 4Q20 Strategic Update A couple of points I would make on that. We see the majority of our MarketingOS customers also buy SalesOS, so they can unlock that platform story. Q3 was another quarter of consistent execution and we again delivered results that exceeded our expectations and guidance. As a kind of data point, we found that overall, our conversations are -- or effort required to get to an outcome with respect to any with respect to any BO's 20% higher than it used to be. They're not able to do it. Investors are on the hunt for undervalued, underfollowed and emerging stocks to spot opportunities. We furthered our mission by engaging even more deeply with all of our constituents and in particular with consumers and providers. The interest payments on the $600 million floating rate bond that you have, have moved from last year, about $12 million a year, with rates rising, they're now up to close to $40 million a year. Bank of America CEO and President Brian Moynihan has helmed the company since the beginning of 2010 when the bank also announced it had paid off its final obligations remaining from the Wall Street bailout known as Troubled Assets Relief Program. And as we've said before, as growth slows, we expect margins to increase, and that will continue to be a guiding philosophy in our business. Results from our U.S. Life Insurance and runoff segments totaled $20 million of adjusted operating income and corporate and other activities, which comprises our holding company debt service, reported a $17 million adjusted operating loss. The collaboration creates a new distribution channel for us. As we look toward the end of the year, I wanted to provide an update on the adoption of the new GAAP accounting standard, long-duration targeted improvements or LDTI, impacting our life insurance companies. A Look at Morgan Stanley Research with Global Director Simon Bound. Expected future proceeds from the special dividend from Enact, which will be approximately $150 million in December, will provide greater cash flow available to deploy toward growth and shareholder return initiatives. OK. Great. 358%. And we're, obviously, guiding to a lower level than that. I think, the vendor the consolidation stories that we've outlined here around the platform, they're not macro-driven. And while peak claim years are somewhere in the 83%, 85% range. I think the reality was a little better than that. I'm curious, in this case, just given kind of the slowdown you're talking about, is that a decent barometer for kind of organic bookings growth? NOVEMBER 03, 2022 / 3:30PM, AFG.N - Q3 2022 American Financial Group Inc Earnings Call Our 2022 earnings guidance assumes an overall annual yield of 12% on alternative investments for the full year, based on the strong performance of these investments in the first nine months of the year, including $79 million in earnings related to the opportunistic sales of multi And as Dan mentioned a few minutes ago, as we look at all those assumptions in concert, we feel like we're in pretty good shape and will not likely need a change. 05 2021. Economic Events and content by followed authors. Subscription revenue remains strong, increasing 63% year over year, slightly exceeding our expectations. vitaCare gives us valuable capabilities to facilitate the brand medication prescription process from start to finish and yet another innovative product and enhances our pharma-focused capabilities. So, I think a couple questions sort of embedded there. Thanks for taking my question. We have achieved $200 million in annual premium rate increase approvals year to date through the third quarter. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. Our board authorized a share repurchase program of up to $350 million in May of this year. Maybe can you walk us through what the dynamics going on there might be? I sold my late mother's home for $250,000. I sold my late mother's home for $250,000. Thank you. Expressions of future goals, including business outlook, expectations for future financial performance and similar items, including, without limitation, expressions using the terminology may, will, expect, anticipate and believe and expressions, which reflect something other than historical facts, are intended to identify forward-looking statements. How do I make all of my team more efficient and more productive? One of the things we've done, we've made a number of personnel moves across the account management organization to make sure that we're building in more capacity for our account management team, so that they're able to drive more upsell and cross-sell into our base. Genius Group Limited (AMEX:GNS) Q3 2022 Earnings Call Transcript November 30, 2022 Operator: Hello, and welcome to the Genius Group Third Quarter 2022 Financial Results Conference Call and Webcast. Your line is open. I think, we are purchased largely by a sales leader that's looking at his team and saying, how can I make this more effective and efficient. And they can track data changes through dynamic triggers to allow teams to take action on any detected changes at scale. And now I'll turn the call over to our president and CEO, Tom McInerney. And the average age for the Choice 1 policyholders is 76. Morgan Stanleys MS third-quarter 2022 adjusted earnings of $1.53 per share surpassed the Zacks Consensus Estimate of $1.51. Having GoodRx available at Kroger is critical, especially if, ESI and other offerings aren't as available as they used to be. All Rights Reserved. [Operator instructions] One moment for our first question. Genworth will participate in a share repurchase program to maintain our current ownership of approximately 82%. We also have made really good headway on marketing efficiency. How could some of those budget conversations and dynamic continued to evolve as you move out of 2022 and into 2023 and supportive evidence of continuing to drive high ROI outcomes for marketers on the platform? One moment for our next question. Sarah Crews -- Director, Investor Relations. With that, I'll turn it over to Trevor for closing remarks. Dan, do you want to just comment on in order to repurchase the 66 in the open market. One moment for our next question, please. We're really excited about that. And then also had a quick question on just the prescription business, what you were seeing for core utilization trends kind of through the end of October? Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Q3 2022 Earnings Call Nov 02, 2022, 9:00 a.m. COVID-19 claims accounted for only $6 million of the loss, which was significantly lower than the prior year. I think with respect to the second part of your question, I think that part of your question related more specifically to consumer engagement and the impacts of consumer engagement in the fourth quarter. I think, teams across the world are saying, how do I grow without adding headcount? Please see our Terms and Conditions for additional details, including our Obligatory Capitalized Disclaimers of Liability. Sign up to create alerts for Instruments, During this call, any forward-looking statements are made pursuant to the safe harbor provisions of U.S. securities laws. Thursday, October 21, 2021 Monday, May 24, 2021 Supporting Materials. Their team said it best. Thank you, everybody, for your time tonight. We've seen that our annual payments as a percentage of the total is down roughly 5% versus where it had been. Is that something that would -- that would kind of compress lower in Q4 even kind of despite the potential for some of that budget flush activity? First of all, it's a very attractive long-term financing for us and has some equity benefit as well. Thank you so much. So, Anthony, good question. In addition to these new ways to help consumers, we are also furthering our mission by helping healthcare providers through our recent launch of provider mode last month. If we receive complaints about individuals who take over a thread or forum, we reserve the right to ban them from the site, without recourse. NEW YORK, October 14, 2022 Morgan Stanley (NYSE: MS) today reported net revenues of $13.0 billion for the third quarter ended September 30, 2022 compared with $14.8 billion a year ago. I make $80,000 and have $220,000 in student debt. We expect to continue seeing the year-over-year impact of the grocer issue until 3Q 2023 when we left 3Q 2022, which was the first quarter with full impact of the disruption. And can you maybe walk us through the revenue visibility you have in the event that the contract is sunset? So, we're monitoring that situation closely, as well as healthcare utilization broadly, closely. Based on developments to date, we anticipate that our trial will begin in 2024. We can communicate price improvements for their client prescriptions. Genworth Financial (GNW) Q3 2021 Earnings Call Transcript. It comes from the line of Kevin Caliendo with UBS. OK. And then, a follow-up on your international expansion opportunity, that's one of your growth driver. We continue working with more pharma manufacturers offering more solutions and are delivering superior ROIs to those of which we work. So my big picture question relates to -- I mean, there's a lot of $100 million-plus sales engagement and CI tool vendors. We believe this innovative collaboration is a strong validation of our leadership in the prescription discount space, the strength of our brand, and the deep trust consumers have in our technology powered by last year's acquisition of RxNXT. This settlement represents 35% of our LTC block as Choice 2 is our largest LTC block of business. %USER_NAME% was successfully added to your Block List. Genius Group Limited (AMEX:GNS) Q3 2022 Earnings Call Transcript November 30, 2022 Operator: Hello, and welcome to the Genius Group Third Quarter 2022 Financial Results Conference Call and Webcast. And so, there are areas of opportunity that we are focusing on, focusing our sales teams on to sort of shift away from the areas that are less immune right now. I wanted to follow up on the provider mode that launched last month combined with the EHR. And so, instead of a deal getting done at a director level or a VP level, you see that deal go to a U.S.-based CFO than a global CFO. With continued growth and profitability, we again drove an improvement in our leverage ratios with a net leverage ratio of 1.9 times trailing 12 months adjusted EBITDA and 1.6 times trailing 12 months cash EBITDA, which is defined as consolidated EBITDA in our credit agreements. *Average returns of all recommendations since inception. Provider mode gives us a unique opportunity to develop strategic integrations with pharma manufacturers that designed specifically for providers. Across all our businesses, we offer keen insight on today's most critical issues. While work is still underway, I wanted to share more about how we expect LDTI to impact our U.S. GAAP equity position as of the January 1, 2021 transition date. And we're enrolling new members right now on annual plans. We hear that over and over again. While Bank of America stock price is still nowhere near the levels it reached before the financial crisis of 2008, Bank of America stock price has still been a steady growth prospect for investors since it first took its current form in 1980. Please go ahead. Joining me today are Doug Hirsch and Trevor Bezdek, our co-founders and co-chief executive officers; and Karsten Voermann, our chief financial officer. Include punctuation and upper and lower cases. The Zacks Consensus Estimate for the companys third-quarter earnings has moved 2.6% lower to $1.50 over the past seven days. Hi. I think, one of the things about our business that's important to remember is that we're really driving value for an individual salesperson. And with that, ladies and gentlemen, we conclude the Q&A and program for today. For fiscal 2022, net sales are expected to increase 2% from fiscal 2021 levels and rise 3-5% at cc. Please proceed. G&A expense for Q3 was $27.7 million, representing 21.5% of net revenues compared to 27.7% in Q3 2021. Credit Suisse resumed at buy at Bank of America after fundraising completed, Bank of America (BAC) Stock Sinks As Market Gains: What You Should Know, 7 Cheap Blue-Chip Stocks to Buy Before They Rebound, Berkshire Hathaway, Inc. (Investment Management), T. Rowe Price Associates, Inc. (Investment Management), Capital Research & Management Co. (World Investors), Assistant Vice President-Financial Solutions, Chairman, President & Chief Executive Officer, Co-Head-Asia Pacific Equity Capital Markets, Global Head-Private Capital Family Office Banking, Head-Sovereign Wealth Funds & Pension Investors, Managing Dir. Across all our businesses, we offer keen insight on today's most critical issues. Become a Motley Fool member today to get instant access to our top analyst recommendations, in-depth research, investing resources, and more. Results in the prior year included a nonrecurring tax benefit of $21 million from a reduction in uncertain tax positions. Only post material thats relevant to the topic being discussed. I know you guys are not providing 2023 guidance at this point, but are you willing to share some puts and takes you see for next year at this point? One moment for our next question. Seyon Park-- Morgan Stanley -- Analyst. The outperformance in adjusted EBITDA was driven in part by the one-time reduction in force we completed last quarter and partly by focusing on marketing efficiency ahead of the marketing investments we plan to make around year-end when many consumers change health plans and begin new plan years with fresh deductibles. This includes an adverse impact from the sale of the companys Kitchen Basics business. Thank you. ET, GoodRx Holdings, Inc. (GDRX) Q2 2022 Earnings Call Transcript, GoodRx Holdings, Inc. (GDRX) Q1 2022 Earnings Call Transcript, GoodRx Holdings, Inc. (GDRX) Q4 2021 Earnings Call Transcript, GoodRx Holdings, Inc. (GDRX) Q3 2021 Earnings Call Transcript, GoodRx Holdings, Inc. (GDRX) Q2 2021 Earnings Call Transcript. Customers are now able to streamline prospecting and engagement in SalesOS, using one-click engagement, advanced sales automation and the integration of conversation intelligence. Even lower than the original IPO stock price of $1.94. Thank you, Sarah. Data ranges from 2021-12-06 00:00:00 to 2022-12-05 14:13:52. Is that something that you think kind of plays more out into '23 under a punk macro? Elizabeth Porter-- Morgan Stanley -- Analyst. These factors may cause our actual results, performance, or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. We also have, as Trevor mentioned in the prepared remarks, significant volume. For example, we recently announced a collaboration with Biogen to make it easier for HCPs who have decided to start patients on Vumerity to enroll patients with relapsing forms of multiple sclerosis in the specialty hub. Feb. 04 2021 Mar. ZoomInfo Technologies Inc. (ZI) Q2 2021 Earnings Call Transcript. Will a U.S. Dollar Decline Be Good for Stocks? Or are there measures that you take to limit or prevent that from happening? Sie knnen Ihre Einstellungen jederzeit ndern. It represents a way to efficiently gain many new incremental users. This recent launch is a remarkable achievement by our team, and I can't thank them enough for their hard work and the progress we have seen in the short time since provider mode went live. While these deals demonstrate that we're continuing to execute well, as we made our way through Q3, we began to see increased macro pressure on deals, causing the level of deal review to increase and sales cycles to elongate further. As with all our articles, The Motley Fool does not assume any responsibility for your use of this content, and we strongly encourage you to do your own research, including listening to the call yourself and reading the company's SEC filings. U.S. GAAP net income was $104 million for the third quarter, while adjusted operating income was $159 million or $0.31 per share. But near term, our priority really was taking care of the near-term debt and taking care of the 24s and getting all that behind us. Before getting into our third quarter results, I'm going to talk about the increasing strength of our retail, PBM, and pharma manufacturer relationships, as well as the health of our broader ecosystem. We are confident in our ability to achieve our goals of returning to high growth while remaining highly profitable as we continue to deliver on our mission to help Americans get the healthcare they need at a price they can afford. New claim severity continued to increase in the current quarter as expected, given the aging of the block. Income from bond calls and commercial mortgage loan prepayments was also lower than the prior year, given the significantly higher rate environment. I think in the interim period right now, as we alluded to in the scripted remarks as well, pharma manufacturers are taking more time to make decisions around spend, and given that at year-end, in particular, the deals can be quite significant in size, amounting to millions or sometimes even $10 millions -- tens and millions of dollars in one deal, that catalyzes potential fluctuation around year-end. I mean, first of all, as a rule, I mean, we generally wouldn't be looking to replace the longest-duration debt first. We are providing updated full year 2022 guidance as follows: we expect GAAP revenue in the range of 1.09 to 1.09 -- sorry, $1.094 billion to $1.096 billion, up $10 million from our prior guidance at the midpoint and adjusted operating income in the range of $442 million to $444 million, up from $435 million at the midpoint of our prior guidance. You talked about additional layers of scrutiny on new deals and renewals. Morgan Stanley When Morgan Stanley reports Friday, October 14th, the consensus is expecting $1.49 in EPS on $13.2 billion for expected YoY declines of 27% and 10% respectively. We feel like the assumptions are holding up pretty well. In the third quarter, we further improved our financial strength delivering solid results while reducing debt. So I'll assume and it would be great if you could confirm that they're more or less in line with what they've been historically. That's helpful. Insurance in force increased 9% year over year to $242 billion driven by new insurance written and higher persistency. Anthony, that's right. As a reminder, the price increases took place during the first half of the year and are not providing incremental benefit to the fourth quarter. I mean, I think, we are shifting from being playing in a $24 billion total addressable market that's focused on global and domestic data to a $100 billion total addressable market that drives a full go-to-market end-to-end revenue operations suite. Thank you. Please go ahead, Mr. Hill, your line is open. May 17, 2021. We believe that calculated both billings, bookings and RPO are imprecise metrics to assess in-period activity in forward momentum. As a reminder, today's conference call is being recorded.I will now like to introduce your host for today's call, Whitney Notaro, vice president of investor relations. Yeah. And how much of the lighter outlook was attributed to softness here? The company is slated to report third-quarter 2022 results on Oct 14. Thank you, Doug. But it does require us to tell a broader story. I hope that's helpful. ZoomInfo's Q3 results once again beat expectations on the top and bottom line, and we're again raising our full year revenue and profitability guidance. And as Brian said earlier, the assumption is really long-term assumptions, what do we think the interest rates will be over the next 20, 30, 40 years. Yeild heads higher bank will drops. As we've executed on our strategy, our team has delivered solid operating performance, which I'll review at a high level, beginning on Slide 5. And one question I get from investors a lot is any sort of kind of unused licenses in sales, marketing and recruiting departments. And so, you do see in those areas, revenue that can come in one quarter, but not come in from the same entities in a subsequent quarter. We strongly believe that our success of acquiring new consumers even more efficiently and knowing our consumers better. They're moving back into facilities. I guess good evening to some of you. Your ability to comment is currently suspended due to negative user reports. And then, Henry, maybe as a more strategic follow-up for you. And as consumers need affordability solutions, this is what we made GoodRx for. But ultimately, what those longer sales cycles actually end up causing is a drag on the capacity of our frontline sales and account management team. I look forward to updating you on this progress in the quarters ahead. Yes, thank you very much for the question. Thanks for the great question. So I think that we continue to see really strong competitive win rates overall. With that, let me highlight some of the many customer successes in the quarter. Robert Simmons -- D.A. Yeah. Yes. Aviat Networks pulled off a trailing four-quarter earnings surprise of 9.7%, on average. So it does sound like it's a pretty big kind of sales reorganization. The new business will include a digital platform where those in need of long-term care can search for and compare that our local care options bolstered by a preferred network of quality senior care providers offering more attractive pricing. Thanks for the question, Jailendra. Daily Bulletin.com covers local news from Pomona to Ontario including, California news, sports, things to do, and business in the Inland Empire. Thank you, Doug, and good afternoon, everyone. And so, we're trying to make sure that we're making the right decisions from an organization perspective to make sure that we're relieving as much of that drag as possible. This includes an adverse impact from the sale of the companys Kitchen Basics business. Morgan Stanleys MS third-quarter 2022 results, scheduled to be announced on Oct 14, are expected to reflect the benefits of robust trading performance. Market Value $41.298 Million ; Prior Market Value $3.309 Million; New Purchases 5 stocks; Additional Purchases 1 stock; Sold out of 0 stocks; Reduced holdings in 0 stocks; Top 10 Holdings % 100.00 % Turnover % [1]: 83.33% Turnover Alt % [2]: % Time Held Top20: 0.17 quarters Time Held Top10: 0.17 quarters Time Held All: 1.17 quarters The Choice 2 block is the largest over 300,000 policies. I think that the complexion of retention will be a little bit different than what we saw historically in that kind of mid- to high single digits, over 100%. NEW YORK, October 14, 2022 Morgan Stanley (NYSE: MS) today reported net revenues of $13.0 billion for the third quarter ended September 30, 2022 compared with $14.8 billion a year ago. Perpetrators of spam or abuse will be deleted from the site and prohibited from future registration at Investing.coms discretion. At Morgan Stanley, we lead with exceptional ideas. As part of our multiyear product vision, we're building out an integrated platform that optimizes end-to-end go-to-market motions by unlocking omnichannel cross-departmental use cases. It's pretty robust. Total revenue for the quarter decreased 4% year over year to $187.3 million, which exceeded our quarterly guidance of $185 million. But then, you saw industries that were largely immune to this. The company undertakes no obligation to revise or update any forward-looking statements in order to reflect events that may arise after this conference call, except as required by law. And we hit both of those parts of the TAM very effectively for our manufacturers, so from that perspective that business continues to be very attractive to us. Obviously, a very important brand name PBM to work with to expand with. I think, again, what we're seeing is, even though we're seeing a really strong demand environment, those deals are just taking longer to get to close. It comes from the line of Robert Simmons with D.A. And so it creates no sense of urgency from our perspective. Over 75% of MarketingOS customers are already SalesOS customers who want to get their teams onto the same tools, leveraging the same data. It is important to note that stock price data before the 1998 merger reflect historical prices of NationsBank. Feb 17, 2021. Morgan Stanley Maintained Hold $36 2021 Bank of America Corp. 0.78 Q3 2024 Earnings Release: 10/14/2024: Morgan Stanley price-eps-surprise | Morgan Stanley Quote. Morgan Stanley reported Q3 earnings that were below expectations. Our next question comes from Mark Murphy with J.P. Morgan. I think in any given quarter, there can be some fluctuation, but over multiple quarters, it continues to be an incredibly attractive business. Youre reading a free article with opinions that may differ from The Motley Fools Premium Investing Services. *Stock Advisor returns as of November 7, 2022. One moment for our next question, please. Honestly, I feel like in this environment where people are scrutinizing everything or more seriously than they have before. But what we do see is that certain kinds of offerings made by manufacturers and made by others who leverage or manufacture solutions offerings are more episodic or they can be tied to a particular time of year. Helpful color there. And that's really what we're seeing affect our ability to continue to upsell within the customer base. Also contributing to higher new claim severity is a shift in the claims mix away from home care that people gravitated to during the pandemic, back to higher-cost facility-based care. Our team is highly focused on consistently and efficiently growing adjusted EBITDA quarter over quarter going forward by reprioritizing investments only where they're needed to drive highly profitable growth while delivering to consumers what they have come to expect from GoodRx.With that, I'll turn it over to Karsten to discuss our financial results and guidance. A high-level overview of Morgan Stanley (MS) stock. We do have some disclosures in the 10-K and 10-Q around interest rates and what a long-term change would mean in terms of that net present value amount that we need. And I guess, just as a second related question, with expansion rates coming down, are you assuming more growth needs to come from new business than recent trends? They're effectively creating budget as opposed to dipping into a pool that's set at the beginning of the year. And then somewhat related question. [Operator instructions] Please be advised that today's conference is being recorded. Ladies and gentlemen, and thank you for standing by. ZoomInfo Technologies Inc. (ZI) Q2 2021 Earnings Call Transcript. Price as of December 9, 2022, 4:00 p.m. Oh, yeah, from a competitive perspective, we actually see a number of our kind of competitors pulling back on the resources that they are pushing into the market. And we also expanded our technographic data set, and now track more than 300 million pairing between companies and the distinct technologies, platforms, programming languages and hardware they use. Our next question comes from Koji Ikeda with Bank of America. Non-GAAP net income is expected to be in the range of $0.21 to $0.22 per share. Thank you so much. So we still have customers that are renewing, and we have seen an acceleration in terms of functionality upsells. Look, I think that we're in the early innings of people really thinking about vendor consolidation. So, first of all, to the questions around pharma manufacturer solutions and the timing and quantum of market revenue is probably the best way of putting it. And why we shouldn't be too worried about this as a leading indicator and something that could maybe spread to a slowdown at the core. We did have a step down in volume because of the disruption, and that's why we really brought up these in the prepared remarks this -- these topics of how we are strengthening the retail network. So, while we talked about a roughly $40 million impact in the last quarter for the grocer and we're anticipating similar size impact going forward that's a function of a couple different things. And so, I think, we've -- we're prudently setting expectations that we could see that conversion rate be a little lower than what we would expect in a more normal operating environment. Regarding fixed annuities, adjusted operating income was $19 million compared to $21 million in the prior quarter and $28 million in the prior year, reflecting lower net spreads from lower bond calls and commercial mortgage loan prepayments and as well as continued block runoff. Thanks for taking the question. Morgan Stanley Maintained Hold $36 2021 Bank of America Corp. 0.78 Q3 2024 Earnings Release: 10/14/2024: And what are some of the key factors and that would impact that number? What can you do to further accelerate the adoption of ZoomInfo outside of that core software tech vertical? Should You Buy the 5 Highest-Paying Dividend Stocks in the S&P 500? And last quarter we said we expected to see or somewhere around $5 million of impact. Hello, and welcome to Protocol Entertainment, your guide to the business of the gaming and media industries. Given the 90-day policyholder election window, we expect meaningful financial impacts to begin in the fourth quarter. While we strive for our Foolish Best, there may be errors, omissions, or inaccuracies in this transcript. Cameron, we'll start with you here. Morgan Stanley When Morgan Stanley reports Friday, October 14th, the consensus is expecting $1.49 in EPS on $13.2 billion for expected YoY declines of 27% and 10% respectively. We continue to deepen our relationships with existing retailers and bring on new retailers. The third area of focus was to reduce friction and set up end user management processes for admin. Today, our approach involves selective direct contracting with pharmacies to complement the continued existing contractual agreements with our PBM customers. Our actual results may differ materially from such statements. Our Runoff segment comprised mainly of variable annuity products reported adjusted operating income of $9 million for the current quarter, compared to $2 million in the prior quarter and $11 million in the prior year. The bottom line reflects a decline of 25% from the year-ago quarter. So, subscription revenue grew 63% year over year to $26.5 million for the quarter. Prescription transactions revenue decreased 16% year over year, which also came in above our expectations as ongoing business reviews with retailers have been positive and the dialogue continues and how we can further drive revenue. We're driving additional merchandise spend for, there's for customers who are in places, in stores not using their pharmacy, we're getting them to use their pharmacies, we're driving additional adherence. Thanks for getting me in. Thanks so much for squeezing me in. ET. Our next question comes from Elizabeth Porter of Morgan Stanley. There have been some comments just around some of the adjustments you're making in payment terms in other areas. And as we're seeing some larger customers, we've actually seen ASP go up in Q3 and continue to see strong new business activity. I don't know if they're waiting on a macro indicator more than their -- they are experiencing similar levels of additional scrutiny and executive reviews in their own businesses. Thanks. Or is there some other kind of macro kind of indicators that you think that they're waiting on? Just trying to think through, there were some comments you made at a recent, or back in September, I believe it was about still expecting that business to maybe even double this year. We advise you to read the cautionary notes regarding forward-looking statements in our earnings release and related presentation as well as the risk factors of our most recent annual report on Form 10-K as filed with the SEC. Today, we have the most expansive network of PBM relationships in our space, accepted that most pharmacies in the U.S. and prescription prices on the top 30 drugs in the U.S. that beat other cash discount offerings more than 87% of the time based on our analysis. So we continue to see strength on the new business side. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. Morgan Stanley: Overweight: $38: Oct-11-21: Initiated: JP Morgan: Overweight: $37: Oct-11-21: Initiated: Goldman: Neutral: $32: Q3 Earnings and Revenues Top Estimates. And so, those two tailwinds in particular are ones that we are highly focused on. GoodRx Holdings, Inc. (GDRX-0.40%) Q3 2022 Earnings Call Nov 08, 2022, 5:00 p.m. We continue to focus our development efforts to create integrated experiences across the entire platform and to deliver data-driven engagement workflows to help our customers drive efficient growth. Please see our Terms and Conditions for additional details, including our Obligatory Capitalized Disclaimers of Liability. Thanks, and thanks for taking my questions. Importantly, higher engagement enhances our ability to influence consumer behavior, giving us more leverage and opportunities across our ecosystem of retailers, PBMs, and manufacturers. Additionally, we are leveraging our PBM relationships to drive prescription transactions revenue and efficient user acquisition in new ways. Should I use all my inheritance for a down payment? With that, I will provide our outlook for the fourth quarter and our increased outlook for the full year 2022. Provider mode offers a redesigned prescription savings flow and a faster, more customized experience to help providers find the information they need in the moment so they can spend more time focusing on patient care. Date. Just trying to get clarity around that September 30 press release from Kroger/Express Scripts. And as I mentioned, year-end can be an opportune time to invest in marketing, so we're maintaining the flexibility to do so. The bank can trace its history all the way back more than 200 years to the Bank of Italy, which expanded to America in 1922. Starting with our strategic achievements, we completed the redemption of $152 million of our 2024 debt maturity, bringing our debt outstanding to $900 million and achieving our strategic priority of $1 billion or less. Like what was the kind of incremental surprise for some of this from what you were previously thinking? [Operator instructions] We will take our first question from Ryan Krueger with KBW. 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