Competitive And Financial RisksCompetitive risks, especially in US Consumer with Credit Karma's rapid product expansion and data sources, along with concerns over declining cash generation, keep analyst cautious.
Earnings Growth ConcernAbsent meaningful margin expansion, analyst struggle to see EPS compounding ahead of the market.
Valuation And Performance AnxietyGiven rising investment spending, higher expectations, and a more expensive valuation, analyst remains Market-Perform.