INTU - Earnings call transcript Q3 2021

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Operator

Good afternoon. My name is Latif, and I'll be your conference facilitator. At this time, I would like to welcome everyone to Intuit’s Third Quarter Fiscal Year 2021 Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. I'll Vice the President that, Kim over With Intuit's Watkins, of Instructions] now call turn to [Operator Investor Relations. Ms. Watkins.

Kim Watkins

Good conference with Latif. quarter CFO. and you, afternoon to our welcome Thank Intuit’s Michelle fiscal Clatterbuck, XXXX CEO, call. Intuit's here I’m Sasan Goodarzi and third

include factors materially start, we that Intuit’s to differ will could our to There expectations. are that our remind cause Before statements. everyone a from like remarks I’d forward-looking number of results

press SEC release more our about these the this fiscal risks You issued can afternoon, we in Form XXXX learn earlier and filings. for XX-K our other

All of We page assume available forward-looking the intuit.com. of to obligation Investor update any those Relations documents are no statement. at Intuit’s website on

metrics. basis. in to and metrics will on Some and rates comparable business the this versus supplemental of comparable our the the press financial in today’s refer with I’ll call website Sasan. remarks remarks period the call be numbers noted, period, turn non-GAAP reconciled business prior-year non-GAAP to associated of to over We’ve information GAAP these all numbers are available that, after Unless a rates refer release. and otherwise the current growth the our prepared on And and ends. worldwide A growth copy presented

Sasan Goodarzi

and Credit and revenue the quarter. Small and quarter, for Self-Employed Business very Kim, you for accelerated a quarter. third XX% an joining performed all this at Thanks, thanks Great. of high well, had Group to strong us today. all-time very We Karma to with revenue

another strong the May XX, Our tax IRS deadline through tax reflect filing results season.

fiscal XXXX. per our revenue, share we are guidance income, operating a raising and result, earnings year for As

with start me tax. Let

assisted to during and strategy our filing delivered XX Based grow we lead XX% We category. revenue IRS May Consumer for expanding fiscal we the tax on XX% category Do-It-Yourself our how our are and performance our Group the executed transforming to proud through our customers, in the deadline, of XXXX. of expect

expand for one We share returns for total estimated results tax an of double-digit the growth a by progress approximately and be TurboTax by Premier and significant X%, and return offering contribution revenue expected returns in per mix-shift the to a IRS This revenue total up fourth X% investors. reflecting point in We row. stronger to our growth average customer season. expect to Live of total increased, this filing The our year used season. made

the expect growth on over significant We Within and we it including and investors. underpenetrated a Do-It-Yourself, LatinX, more this down saw season, than to customer double investor in continued self-employed, year. triple to segments, acceleration last

expect the the base people to category, Within X% We transforming nothing experts season. Live. assisted us of paying to make progress this continue grow TurboTax we connecting to with customers

for XX% customers than We More our year, focused Live Intuit. our opportunities growth TurboTax five to to strategy across problems and are innovation season, company. to up and AI-driven customers strong Intuit accelerating and the grow compared new platform These this momentum expect and than Bets largest to XXX%. durable represent face, Big are broadly, expert Bets be XX% customers driving Big on more last the more growth

business As people Big small connect smart the Day these on Investor benefit, at made unlock five revolutionize Big money Bets detailed provide we've progress notable all the this the a on fall. Big the a Bets, will and highlight update experts, of we center mid-market. Today, quarter I'll three decisions, of speed reminder, business in Bets these to are small be and to growth, disrupt

monthly on network of effects, progress we this find growth strategic verticals free on Karma accounts. such of and access that and an third share offerings, the the paying loans; increasing and in Credit money To focus deliver to and money emerging Karma’s verticals, financial core, while with including all-time both more highs. Karma is helps financial cards towards bet visits and personal is personal and number also focused put goal, loans, loans Our as expand credit our to Credit goal a making wallet right pockets savings and and its largest consumers revenue of smart auto our frequency develop QX, digital Credit monetization the unlock ever our member and including customers. data platform money insurance; their quarterly assistant products, achieved big decisions. reached in advice. creating With provides financial users combined additional members, are engine, active powerful checking grow expertise home

and card of a revenue, reflecting in the in Karma followed developing our innovation combined loan offering. engagement. money we was partners increase growth are of by by verticals achieved basis, emerging credit on home loans. also momentum both number the And reflecting and high core, part the a an strong with member Credit revenue all-time-high record auto at insurance Within digital loans auto and personal on focusing Money, verticals The

success and We fuel accounted Since our Turbo capabilities of migrating continue the great combining the users Karma. growth. for of accelerating XX% acquisition member members, to Credit progress closed, Credit Karma new to new make significantly TurboTax customers

platform, Credit helps up experience, to of are TurboTax of customers tax filing deposit billion We their resulting refunds goals, members the in we $XX this opportunities right account. more monetization a the revenue the drives that approximately to with Money, members company future. pleased for million them, stream integration Intuit. visit for more into achieve offer offering initial product into no-fee financial Providing which Karma member are more creates innovate for the TurboTax integrated XX checking new opportunity The the the opportunities engagement performance to members in products we more have Karma we the successfully a for and times and the Credit members,

confidence world. flow, this small and pay struggle are grow is bet center helping of manage solutions become with innovate and challenge. with customers, big to to an small fast, of continuing growth cash employees by omnichannel get we our fourth the paid businesses business customers Our to to customers create in get capital, for XX% overcome

account Cash, manage working QuickBooks ability advantage both and for money small and with of that built-in Cash of accounting Cash progress business while a money customers them, is balances bank our existing about use presents full ensure active achieved among to a seeing the new quarter their with our excited working customers. move QuickBooks taking the are as million, along strong capital. QuickBooks instantly helps picture, this financial QuickBooks. milestone surpassed We $XXX and a we’re We

as while QBO more Advanced the time and QBO to The in offering higher than up payroll than with customers year-to-date. Advanced. QuickBooks Our with the is small our mid-market' fifth usage ten tracking XX% engagement is big is higher to Online overall business disrupt over services bet contributing points such ARPC, of next line-up, payments,

of to We game durable us digital believe all are with and very growth we and into future. tailwinds. the accelerated big pleased are our plan Across win, confident momentum we well building for in which by bets, innovation results positions our our remain accelerating

hand to me let Now it over Michelle.

Michelle Clatterbuck

Thanks, Sasan. Good afternoon, everyone.

quarter year. ago. revenue of $X.X $X.XX, billion, of last of third share of $X.X XXXX, income billion, non-GAAP $X.XX, versus Non-GAAP billion year. year $X.X GAAP income GAAP year. $X.XX $X.X versus billion, per billion versus operating of share of the For last versus $X.X a $X.XX we earnings And operating last diluted diluted delivered per fiscal earnings

guidance on raising Consumer reflecting business. XX, segments, April performance shift levers percent tax XX% window through the in business stimulus approximately There This through reporting our the Note prior reflects season to of the through the fiscal that our in in today these a based year-over-year. season the revenue revenue timing filing XXXX, Group revenue exclude our expectations grew That growth third we said, X to are are QX, tax is for X% filing million XX. ending XX, Consumer to we XX% previously. primary Group last for from May The versus XX our four to IRS our drivers for are XXXX deadline, July XXXX. filings the Consumer July XX% Turning season. up quarter data XX%

with which first expect IRS, the returns number by to we the be The the of total approximately up is filed X% season. end the of

those returns The the filed using percentage second of is do-it-yourself software.

DIY of the season. returns flat the the approximately category total end IRS share of expect by be to We

is The share. driver third our

We point. contribution The our one returns our expand and to of season. season used point up return, tax Live offering revenue Premier is mix-shift a total be stronger growth to share share and expect this average approximately one to by fourth This per of the by TurboTax again our reflects DIY investors. this increased category which

reflecting Turning grew the revenue window to XX% a tax shift the ProConnect the in year-over-year. filing of Group, timing IRS QX, in

one including points Business non-recurring Program, from two and year, of we million point PPP X%. expect million In revenue. revenue. of $XX revenue during ProConnect full approximately revenue up PPP, Group was the the revenue $X Paycheck grew Online Group, including quarter, of approximately XX%, XX% Self-Employed Small For Ecosystem from Protection or growth of growth the

Our by greater driven ARPC. customers revenue growth remains to longer-term growth, XX% online and XX% or ecosystem expectation in both XX%

XX% 'XX. return to expect point online growth revenue to ecosystem We some fiscal at during

focus is to Business ecosystem Our the Small grow and within strategic and core, Self-Employed globally. expand connect the

XX% core. in the revenue by accounting to driven mix-shift. customer First, grew growth and on we focus fiscal online QuickBooks QX, continue growing mainly

continued with revenue. fiscal increase charge in our we Within the continue excluding connecting in tracking we QX, a Within time continued Services revenue payroll, in and quarter ecosystem. to per revenue, and offering mix-shift along an capital growth XX% on revenue customers. payroll, payments, from tailwinds volume growth, XX% to service the Second, growth during includes payments, to Online PPP customer customer. reflects see payroll full which focus grew or

This have impact During customers again the the service not a once quarter, full quarter. our during revenue line-up. we on significant new began to migrating did

the X% on to Desktop the $X QX. approximately PPP international third our Ecosystem progress million revenue of constant growth globally in grew online revenue. a Ecosystem expanding grew Online fiscal revenue Total including XX% quarter, Third, during of currency added revenue basis.

Enterprise business We this in a the Note committed the year. to third of quarter discontinued Desktop desktop last mid-single reflecting the in impact grew serving Self-Employed the year the that pandemic. QuickBooks digits declined QuickBooks remain and As segment. we self-employed reminder, sharply, QX. TurboTax revenue the bundle

However, QuickBooks this or no effective. through There operating we serving income revenue material self-employed to from determined separate after years of customers impact was and that is decision. offerings experimentation, TurboTax most

to engagement $XXX gain Moving members, reflecting in and a on the high continues momentum, quarter. expansion growing business as member in record verticals. revenue and of Revenue Karma, across existing was partners to the new reached Credit QX, million

high We also new a opportunities with right are of highs, more member us them. visits that for to all-time engagement giving seeing users products both are offer monthly members active reach watermark, frequency at and

committed faster than financial dollars growing income organic our to growing principles. to remain revenue. operating Turning We and double-digits revenue

We time. take as I’ve disciplined capital As we on yield see platform generate before, we opportunities shared investment approach we greater into to opportunity a cash our the than over in return strategy, margin for investing XX%. lean expected the management, that an expansion

priorities, to emphasis platform. remain commitment. expert reallocate top becoming on an AI-driven continue We an our to with These long-term resources principles

dividends. we during sheet. invest consider and acquisitions finished in the We and business customer first cash million that for repurchases roadmap. $XXX in on investing can’t to Our our business generate $X.X product profitably cash to of billion accelerate out approximately return and priority quarter the stock in quarter. balance we investments the shareholders We with both and share fill to third via We repurchased excess our the drive growth. We growth cash the revenue is our

to per each July approved share, expect We our we market this represents Board $X.X XX, the versus dividend an The and in last of This quarterly remaining have XXXX. XX% approximately payable increase $X.XX be year. billion quarter a on year. authorization,

guidance. to on Moving

XXXX XX%, $X.XX. of fourth share per for GAAP and earnings guidance quarter $X.XX share earnings Our non-GAAP $X.XX includes to $X.XX to revenue per of XX% fiscal of to growth

We guidance fiscal performance of are strong three also the year. following first the quarters raising our XXXX in

XX%, guidance expect to earnings fiscal new rate up XX% now to earnings tax prior $X.XX per XX% of a in $X.XX share GAAP of and of Our $X.XX to guidance $X.XX. per growth We from XXXX. of includes GAAP XX%, non-GAAP revenue share of

release that, guidance it XXXX details With I’ll our sheet. and can our and Sasan. fact turn press over full find in to QX fiscal on You back our updated

Sasan Goodarzi

Thank proud very Great. of remain optimistic you, I’m team our and about Michelle. future. the

accelerated with With money and innovation market AI-driven strategy a platform include expert large virtual Big to secular for offerings. Bets, and an capabilities, acceleration that have five are to positioned online omnichannel we We shift solutions, tailwinds our growth. of digital and addressable becoming a and well

Let's now up it questions. open to your

Operator

Instructions] Our first Morgan Weiss you. Thank line Stanley. from of comes question [Operator of the Keith

Your open. line is

Keith Weiss

into across quarter. Thank Credit for Excellent. business momentum question. you QX. Sasan of to on Karma. really heading see the the Very Two questions, guys all for taking nice parts Good one

see Credit how them synergies those You and for into dive those of and saw to revenue bit I terms TurboTax a more that Can mean, of working? between been Karma. talked bit little doing well I you was in in Karma saw little versus Credit TurboTax. have expectations a when my I starting some your offers about taxes the offers

operating been as should you're kind taking guys of well? has there Michelle? connections taking on about getting of those contributor we guidance. And of a that of linkages go Thank points as awesome. in thinking this on be you've of looking material future you much. one it, Or, Does XXX for we That's that operating pull are up consistency equation been expansion Now, basis maybe side margin QuickBooks the the forward a like a we're If take you in very create the for basis? away margins? forward we then yet? from see Are And margin on where revised years? of starting to could this sort year expansion that, this

Sasan Goodarzi

you thank you. for one question. clarifying your I've question Keith, for

a QuickBooks was was the connected Credit Or that asked to question. question specific about You QuickBooks, Karma?

Keith Weiss

TurboTax. around question gist and Credit between Credit Karma, there And was linkages the any the Credit QuickBooks. between like and The Karma then are of linkages if Karma

Sasan Goodarzi

helpful. it. Very, got very Yeah,

credit increased of time help. where based get engagement the think was the impacting side some how for that I Act been one from perspective you I Relief equation. if back So, working the manage pandemic benefits time to obsessive COVID-XX the scores, at customers the the And even the would during the the of really, with happened the Karma, things pandemic focus focus on how just of from their start, deliver a Credit supply money, to is go of plus, their to was on a their year customers place we've

value that really is transactions addition eligibility also up right it's In really really what institutions to off, understand are they consumer we It have a because member investment able more their financial the are the how and the which and means it's to our how much companies, partners on Lightbox match the and for was and to now partners to for consumers perfect Lightbox, make for now paying means good seeing for happening good in partner. insurance you're better that engagement and it's is getting Lightbox, because of a Lightbox, the match. whether

that things those loans cards year has of the see but in areas, and the loans not XX-plus insurance, company also in the what's last home is is really auto credit personal investing which All the loans. which is where resulting in right auto years, and quarter, momentum been new area we the only plus now, and

that opportunity they to us permission the move number launching TurboTax click. made future. so is Karma, We plus all of And, first right the records in TurboTax Credit ensuring TurboTax in Credit a learned offers to that's their a of and about both one really I about on experiments, ahead. that ton, with we that the Karma also positions Credit the and platform. are that of a part the we've So The for data experience, the XX it Karma, year. are month much This acceleration a learning get there pay personalized from but launching more all Keith is think them off we're ran seeing. years that the as can And synergy of are adjustments, the several, lot particularly, talked going for customers

new But opportunities what the in what's for is Karma are just is are a And what's say yet TurboTax about that a either would coming Credit which to fact Turbo. members from future. between And philosophy synergies platform. has exciting of I really has Karma. instance, I and/or come, XX% we fact we of that described the What that lot an a the that actually that companies sort are is of the think deprecated the been two lot a the came is been that the near-term exciting. about So, impact Credit of

to on to has distract benefits down innovation we're time is And about members. of road, sequenced Specifically very been QuickBooks our biggest don't and been the it's but the for be around what's something focused drivers intentionally team. that going question your so Keith, important, most some for we QuickBooks road. the that think we'll the down sequenced very

Keith Weiss

Super helpful. Got it.

Michelle Clatterbuck

year of we expansion, point Karma Last margins. points and basis had margin your believe do expansion. over with our Karma, of us real, platform that expand expansion, we to guide Credit points now question the guided Keith, is This expansion. a basis on year, And before XXX long-term we enabling of the is had XX leverage Credit updated

or looking the or to us at there for that's to are whether leverage customer So market, go technology success, platform. opportunities to continue

However, I we the is at that with would in year just beginning conservative you very the unique. We and deep pandemic were the spending. our year, remind of were this

ramp to look Specifically, like be we took they really a do even we at there. to back Credit bounce Karma, took drive if to we while when though us started you will than And But that. anticipated. accelerated it a growth feel the it to we saw something up while, spend continue able in much more to really invest like quickly

bit this just So, is pandemic. unique a with say year I little the year would

Keith Weiss

Got so you it. Thank much.

Sasan Goodarzi

Thank you, Keith.

Operator

Thank you.

from Guggenheim Wong Ken Securities. of question next comes Our

Your line open. is

Ken Wong

into bit. my I taking to little Sasan, wanted question. Thanks TurboTax Great. dive for Live a

saw the from like How that for this XX% this of any also color adoption we funneled? side? Michelle, on like? assisted base? it XX% of look then product like the kind year-over-year. nice really And year growth, a just of about least up rate the future is year. about Is came step on existing the provide just from question of kind pace can think your roughly look And on quick initial What service? where looks we should investments should being step It spend. full near-term you up that are And really You category? these on growth upselling where a a for XX% right it from How then those highlighted R&D last quarter, the big from? think seeing customers at the Was

Sasan Goodarzi

Great, Ken.

part allows you want first get you of would to I of you a and me thank to thing you provide now do would that Let I you platform off think as take yourself, The your can, all you, do platform, with me the expert we'll your the you your is, about start taxes And question. we us to your the with taxes for question. a completely. an let essence you it to for is or give hand done taxes and help everything to opportunity and/or in TurboTax

of platform. really to so fact And XX% the the accelerating growth the XX% that momentum growth build we We're is to momentum. improving from continuing are

a company. help awareness, a continuing be virtual in raising are world. the really to job best folks we've this we're in doing considering world where seen delivering one far across more And are recommendation better our the product We are getting that of excellent scores experiences

need that hand can off right their do if if say the expert somebody role, that that help, the they for we effect of our or and just they I just else just it taxes, are confidence. So, bring everything up get to customers to access service that to off do we know is fundamental is just are And to solving want can midstream, to problem what they a And bat. to full experiencing, want halo they they plays what even the momentum. experiencing that you're one an

ask that halo that so delegate even I that now can TurboTax. or I the provides And do whether expert for and get all or it And the I my a an just myself, next the entire with perhaps it year effect taxes after done franchise franchise. not helps everything year, for

metrics of playing, to that category. role of these some which the why Investor it's And, come assisted share So from is seeing the growth. continuing the Day, that's but customers perhaps specific majority we'll at are the accelerated we're the

Michelle Clatterbuck

your And then Ken, question R&D.

at It of look little we focus as not company. platform. First at really see the you increases I get when you look confusing that. around would the for where we help And accelerate just much the how quarter-to-quarter so all, too drive continue we're across what can more do I'd make to when But, the growth year-to-date investments funds, it's R&D do a year-over-year, big the really you our us can that span. in changes. will investing on bets

tending And so R&D. that's more of increases with do to our really where in we're the investments

Ken Wong

the for clarity Thanks there, Great. Michelle.

Sasan Goodarzi

Ken. you, Thank

Operator

you. Thank

ahead. question comes of Please next from Our Evercore. Materne go Kirk

Kirk Materne

even for commerce just strong people color a take payroll, a talk Yeah. little quarter, Thanks whether of wondering quarter could if new quarter. is some on would the the Or great. you're actually willingness in very And terms impacting, payments, formation, this much that more to just more terms maybe side it's desktop. order your one early in that that's on. maybe for reopening? QBO what then business of comment about not I and the congrats that Sasan, higher really but really quick just some give a only on desktop the of business the seeing bit was or just be you geographically How services, on on

if So just be keeping curious we in of seasonal that that, mind. sort there's about to anything should know

Sasan Goodarzi

say, A one sure. would thing biggest the Yeah, is Thank that in times. last of resilient we've much platform things, very I and question customers how how tough is, you in Kirk. just needed year the learned the couple for

but but would things And levels. We're core the has existing recovery are outside which of industries. right pretty that QuickBooks What of platform, of Live U.S. into been also we we slower. usage ARPU. and have the only better like a Advanced, all into than much of And have board our Canada, innovations so inclusive across pleased QuickBooks some higher with across say customers, and services I the segment of go right, after up not is, new the up certain and the pre-pandemic seeing the a

seeing So Canada. the saw your from then is particularly strength the think, desktop it's less said, really a answer I And perspective, very compared a from just and geographic quarter. with seasonality we're on but question desktop, this last very perspective year, all as rebound innovation. Michelle of a deep headed a about U.S. decline and to is overall, weak the also more we're what trajectory with But time where Business and we're the pleased Small

Kirk Materne

you. thank Super

Sasan Goodarzi

you. Thank

Operator

Thank you.

Our comes question next from Kash Rangan of Goldman Sachs.

open. Your line is

Kash Rangan

you very Thank much.

as congratulations transformation me the perspective you questions, quote chain, Two how Let as you learned take and QBO have office your the also we your the wondering digital lessons up my during company, a one to the could ecosystem? here. you of you Sasan, QuickBooks that as into transformation, Any will, digitally team And a percolating your Intuit? back that is are has Thank if caused march internal Advanced, you've end from digital if secondly, you a on yourself? on full so experiences Michelle, pandemic what the you the that accelerate much. things to on transformed I'm own

Sasan Goodarzi

the we offerings. higher thank we're are A our with pleased market, seeing only would ARPU things but say, not question, Yeah, couple you for the with of up some move what one, Kash. I of

of for so also, is services truly behind indication the smaller But the the that is businesses, with an the Advanced What bit with Advanced a penetration, serving. them also up as some any QuickBooks give their is QBO great XX% only little truth same, mentioned our in digital business. that source in why As possibilities to job of compared platform is a are the is lineup. to excited just but that which entire the I of earlier, the other the mid-market QuickBooks our if businesses is we services, transformation the doing of the for ways, not size team customer usage we're the becomes a a about not

decisions some were we're that course, the different I shift four internally, years think lot a didn't use in set made around we're of three from the decisions with I digital say tools that that we that went fortunate decisions were use choices your AWS. collaboration shifted of made our proactively the of to with, decisions, internally, the a And a we tools AWS, ago, Specifically would to to usage these and these as we along we the of tools that, that question years our would five that because pandemic, although it ago. team, internally, using years say lot one now ago. four a inform these of I made up to internal,

Kash Rangan

Wonderful. Thank you very much.

Sasan Goodarzi

welcome. very Yeah,

Operator

you. Thank

Alex question Research. next Our from comes Wolfe Zukin of

Your line is open.

Alex Zukin

next this Hey, to it that guys, about algorithm we got a for taking how was few about ARPU put back us put growth it around well Clearly, of forward? then years we season out and quick thanks as into assistant. for think year, my learn? But into as ones. this for for tax a if ARPU growth. And live kind think how from and versus year comparing first, big unit Sasan, two Maybe zoom last the just and perspective, with both should you question. context do I context going picture pre-pandemic, big what stepping us it driver to

Sasan Goodarzi

Yeah, thank And years it's several very this Alex. ago. you picture, pleased for the experienced declared we question, Big we what with what with consistent we're season.

more for $XX Our essence, taxes be it's there's biggest million in the to folks category. to tax assisted able about get their done, size. transform than that, an in get continued And segment. billion assistance opportunity growth that, $X to There's beyond XX is billion business

which continue to sort this then the results triple year, pandemic, And segment did and year. look accelerated LatinX. grow investors, always our grow We which is saw under our actually it last coming Live in our platform to We is self-employed will when second units, TurboTax out XX%. what segments, The to penetrated at want investor of you of result ARPU.

where I result more think we are the we strategy more is ARPU underpenetrated just units. given where not and than and transforming biggest assisted, that see of a segments opportunity only It's and biggest opportunity may focused is. our our

if it accelerate with us, context just of I is continuing the in put would I in areas declared this more say strategy, about it's And to years it's line ago. absolutely our So for in strategy. season that we several our

Alex Zukin

beyond point, then And you of the thought around is think, standards? help biggest lending come here driver Karma. And loosening that unique to to on little you macro in soon? bit sooner the strong Karma the respect. just for from more Credit What so rest clearly us synergies than in be business? mind, Is the I causing your that a the Keith's model the improvements series can seeing the with it, QX Perfect. from seasonality be are for economy, and it because so Clearly, both

Sasan Goodarzi

Yeah.

what revenue step just numbers, Credit you number transactions member, of the really drives growth and number of then per the per the Karma's If is back, transaction.

So metrics. that's sort of big picture

we're a auto Credit it's really think if opportunity is driven And got powerful really, customers, you that also second home and today, only cards The over done access well there product Lightbox. we're is by of with it's but Karma, new time, is and get over our is million also the and into, can you what not over to we've a the we've platform on is hands. effect. it's because insurance and to in no boundary credit Credit data And which for their that Money launch know that areas Karma. which loans, the taxes ultimately, but loans, they savings, will customers. home have about, your a XXX verticals personalized talked the grow to We is that And that deliver relationship Credit data via wages, that, putting XXX continue power checking, new experiences, there and technology the their then is which products about moving million Karma way, also we're early got to products creates them. we which network and And personal

market on of the that market were I crisis. focused of because sort even that to the bring health the the say pandemic, So I we shambles. benefits, say When obsessively during up was in though

money the during lot score, engagement even up that seeing new about benefits you're the work to member right, their pandemic. launching manage that is, of the one, how verticals, pandemic, was these the the and to during their a and really delivering what So did our to in now credit went customers we benefit

institution match And so financial the in institution. transactions Lightbox, the Lightbox, the financial seeing makes in significantly we're out actually and now, which a more only personalized more it pandemic, benefits but coming of more consumer, with not being for

that combining what looking this the the So, just a that distribution combination that that to believe being to course, data Investor Day. recovery, able more continue is not an and And of end. ahead, we the about just can growth described it's of talk of macro at and sustain we customers, have, Credit we'll leverage our Karma I we in

Alex Zukin

guys. you, Thank Perfect. a Congratulations on quarter. great

Sasan Goodarzi

Yeah. Thank Alex. you,

Operator

you. Thank

Please of ahead. Brent comes Our go from next question Jefferies. Thill

Brent Thill

I Sasan, was on small business online, international. could just into curious you drill if

showing U.S. there earlier You about in comment a I happening in did from unevenness businesses? growth I'm curious, Intuit the specific back this deceleration see or going is your there to, a Is is on anything what's XX% more those XX%. And the recovery to recovery. of small think that to of those QX specific pretty big good just going

Sasan Goodarzi

Yeah, on Karma in the and in Canada, continue recovery same part international and comment, doing much invest we big really I international. slower Credit during for to in latter to one, really the described specific. your of not thing what We're simply increases, and Intuit we fact, two with, It's were heavily just just pandemic. actually Brent price is delivering U.S. outside similar very it's lapping and the two, the customers things, the of focused

Brent Thill

thanks. Great,

Sasan Goodarzi

Well, very welcome. Yeah.

Operator

you. Thank

question Our of Please from ahead. Panigrahi comes Siti Mizuho. go next

Siti Panigrahi

lapping on no QBO Thanks increases. That's side the Sasan XX% question. price with impressive. my growth for taking

that seeing the And you're the new a you're to interesting saw terms also retention of seeing business in acquisitions in well customer the given what wondering Just creation what three quarters. U.S., in hear phenomenal side, small last was as on we new be business.

Sasan Goodarzi

in businesses both Yeah, typically come QuickBooks, see little question. acquisition very strong, And we're And that new Both and retention seeing an U.S. thank Canada. to you more in mature. your and bit both tend areas. acceleration is the continuing they're to to a for

and a to a and years to I've new plus seen strength which talking in shift the so shift same business and Michelle to in fiscal we're solution, online strong. mentioned a we've our what not that new about expect last, it's be just to tracking, for back our time above is or omnichannel pandemic, payroll and the recovery, two And pandemic money to both formations. goes lot our before year we a seeing here tied to digital years which of as sometime why seeing economic we're and online So the is I growth. frankly, is Based innovation at been directly actually on five virtual think offering. This what ecosystem in shift just acquisition that accelerated continues and retention 'XX payments be the to earlier, a XX%

Siti Panigrahi

on your then you terms given service. the quick do TurboTax anywhere. to any advantage it competitors kind drop like asking in processing wondering And follow-up Dropbox the faster, technology I'm Live into full all of of have it or that

advantage So any is of technology there? have sort your you there guys versus competitors

Sasan Goodarzi

Yeah, is about I'll technology. advantage and -- us, just let our biggest is that me the that talk

led. been language an have And providing engineering years. service that of platform with And for it's and the these machine processing. and full or it's in We particularly, knowledge area are everything all Live, capabilities you plus natural eight we learning, is building TurboTax doing whether help this in technology expert

make much means really platform, expert, continue capabilities that the in of our much, lot Our can effective, QuickBooks far machine bring Live the our to Live. they focus investments the are by benefits and the the engineering insightful also easier not only but our into which more consumer, easier also for and far And to learning platform way, which for efficient, that knowledge that value a R&D we customers. make on go more experts

scores of significant platform. often improve also scores advantage also of is to And So, type giving us been we we several over really the our technology experiencing. only our combined of process and experts, right because helping our that recommendation advantage. adding with have Because the also engineers technology that are what's last We've consumers, not the recommendations by growth the our experts are processes. that for believe for us years ease we are a that the but we and our measure the we have

Siti Panigrahi

Sasan. you, Thank

Sasan Goodarzi

very Yeah, welcome.

Operator

you. Thank

from Schneeberger comes Scott question of next Our Oppenheimer.

line open. is Your

Scott Schneeberger

good Thanks congratulations, afternoon. job segment. I'm great And very to on much, and across all focus segments. the tax going the

chose I'm of that's guidance depict to income metrics largely tax. percent volume the from do a it season, question know to what years? the economic type here because And wait July? you this thinking How year First July of I you off, from your much this the payments as see all until tricky. is is, XX making that year of next seen quarter of last you've now embedded and tax your the unit season to assume of maybe of May activity in expect Sasan, to to back But what end past do the XX you overall Thanks. the when extrapolate to asking end you

Sasan Goodarzi

provide end like deadlines didn't Texas, things. through And good all The the table have two pretty last Oklahoma, the I'll season XX. visibility year, to the we of fiscal July. sure. is year, have the Federal those of we tax their extended season, Places of done. not Yeah, Louisiana and tax reason been of or say filings. main the June were to XX.X% One, is our Scott, end the

of amount Federal it's So significant the a pretty filings.

wanted feel winning really we why out we when not season because conclusive. the continuing some about see, that the and everything so table yet With And time, every that that's there. same focus on us. good is XX% provide done said, behind we of ways in to the has what season the to At we're was is filer

Scott Schneeberger

really two year. year. We've flattish category and shift, One, be on view DIY your it shift love my pay I'd parter for And this to thanks. years it's then sounds like Great, category for follow-up. seen going a this

your on year-over-year then and something the growth. the is, to per up your tripling, the year So of had do thoughts part said you've the question then that's return going probably XX% forward? being lot. TurboTax with having a second thoughts about just Live this with Premier And But of that. in comparison, revenue really on and and it's everything guessing implies free lot offset you I'm a which of customers by category that

question forward? part Thanks, and free is the on So second this year of your the Sasan. going thoughts

Sasan Goodarzi

Sure, Yeah. Scott.

our the keep on all of the of now really First IRS share all, returns. is score returns. we're the way total we is focused what What is

way returns of our IRS And score pleased we of of all because so Live we're actually TurboTax total one now is quite up the point. reason share platform. the And keep that's our that is

the that's So first thing.

grew look would X%. flat. IRS I two points. up you think at returns total I is, about about say And if year, the And was category then second thing were the X% to last Do-It-Yourself this actually year

because comparing to And look unusual came of at year because we a with we was about not actually so the when It the last two all that year folks apples. in it's a really category, of think apples very it the over period check. stimulus

at one total we're of flat, share that point, So, our one within look context point. year up last and the pleased our category that year, share IRS went stayed of went the this you in actually categories then when up quite

I results. So keep But really the emphasize we're just how pleased with very very, we to wanted also score.

the year, second think I And this year. nothing thing I say pay the is, free growth customers. to would last our compares grew that X% XX%

vicinity and So we continued and under then what years for we assisted very Live is we would our is and free look with expect it's really, actually came in moderated segments, feel which the that the which growth ahead. in from the TurboTax as strategic, predicted growth the assumed penetrated are we transforming and category the have like both that areas

Scott Schneeberger

Got it. Thanks.

Sasan Goodarzi

Thanks, Scott.

Operator

Thank you.

question from Michael of Wells Turrin comes next Securities. Our Fargo

question, Your please?

Michael Turrin

between ecosystem certainly through, unique increasing services target level. XX% like signs mix should we return year Hey, you back confidence of showing of how think we what that it QBO? Anything ability the My sounds and congrats there's to Online get around as there. year a And plus the else ex-PPP, the rebound executing of that add was confidence and about getting Thanks. on afternoon. course as to well. and reinforcing XX% level giving provides can here still in maybe Good scale? just to through

Sasan Goodarzi

sure. or SMB the total XX% And customers us not at service call product nearly and really life you What business managing that a Google they're those non-consumption, question. an using gives are platform, a market, digital of based and businesses. their all majority businesses spreadsheet. the fact shoebox, their that of about when your they're Sheet is, Yeah, Michael, XX% is for the thank we or you are look through confidence based Excel market what of a

So confidence commerce, to several We're businesses, all in an non-consumption of provides our of and innovation. the us with the now account. of to what QuickBooks our are our and et a with tracking, course, Live, basis, banking we're QuickBooks whether We cetera. Advanced. for continue based ongoing gives to to focus innovation positioned didn't problem, One, to of confidence solves expert product innovation is that, deliver and payroll, years. access really the is time able last or we gives And businesses. now after business QuickBooks market for which up go our And and all the one-time have really service which that Cash, innovation really, I payments, within able go what mention opportunity based also positioned we're with QuickBooks is, to the customers, disrupt from bottom serve us the to

to gives continued the a the improve platform. what fact well to really we're us is the meaningful our We've positioned that experience in confidence of So, serve market way.

rethinking platform, and marketing sales both And We really, to on a are go a we true we're have more from partners and open perspective. market, our platform. our

So gives it's that confidence. marketing and our of and innovation transformation us sales really

confidence is ultimate the really sort that that plus factor come what to online at starting XX% growth. is the we is economy back, as revenue look of Now

Michael Turrin

you. That's all very helpful. Thank

Sasan Goodarzi

Thank you.

Operator

Thank you.

JPMorgan. Our comes Sterling Auty of next question from

open. is line Your

Jackson Ader

Sterling. on questions. our quick us. taking investors. for Thanks Ader It's Great. on And it's just for a one from the Actually, Jackson

So rate tripling looks what maybe space? just customers relative And retention the that TurboTax for Investor those entire the positive. investor like I'm base is TurboTax certainly to curious

Sasan Goodarzi

essence scores the done that actually customers feel because offering past. may Premier retention looking look at of Yeah, have existing experience because our the they that If would just delivered in complexity in retention just on and into customers actually the customer investments the This sure. coming of tripling have history, used year In customer. highest in that about the rates, type to forward. this had new have of going franchise product both we upgraded was the we recommendation those the not took and history, they at that one Premier, the them, we for good the of

Jackson Ader

we right. Okay, That's you. had. all all Thank Great.

Sasan Goodarzi

Thank you.

Operator

you. Thank

next Our from question comes Brad Reback Stifel. of

open. line is Your

Brad Reback

Thanks it much. little a retention they situation some they you TurboTax of with years on live Or, the pushing TurboTax. theme years take the Maybe a Sasan, about Great. it, move in think some bit. very skew? Live remained fluid part most have early to the as back Quick for cohorts customers, is they the

Sasan Goodarzi

we Brad, Yeah. fluid it. somewhat and like actually it's

to we all stay my forth we between need is seeing. the And me Live. year TurboTax solving what's confidence in in an We've have we year, actually help and do for of a they some can come Live. fourth great any seeing. back TurboTax one and about started customers we're We're is of year we but year, the Live, to I care came to Uber that this percentages, stuff good Live the And about are love will of that access expert confidence is solve to percentage TurboTax in major that will not because the is second lost that factor, stay the percentages. going TurboTax. are that we that pleased go franchise. typically customer's they things actually now back live back an the with in the this TurboTax went TurboTax We've in that problem. divulged we to What that the is, some it saw and not problem and point, with about which what divulged really it Now upgrade back back wouldn't the after our would have expert Do-It-Yourself, the year But to that cycle here's we we're or just

Brad Reback

Thank very much. you That's great.

Sasan Goodarzi

Very Yeah. welcome.

Operator

Thank you.

Please comes question Daniel of Jester from Citi. go ahead. next Our

Daniel Jester

Great. Thanks for taking my question.

I looks on maybe also those in door. platform your expert is to maybe So obviously ahead. the are folks XX-months that in year Live XX% QuickBooks comments, get strategy year the to economy last keep talk to How partners on partners macro about live over the reopening, retention the ahead? To if going the platform growth pretty the But keep in economy's your expert is reflect easy the better. in you growing. your on I the suspect

Sasan Goodarzi

Daniel. thank for question, you your Yeah,

but of that ways everybody -- In fact, trying mean easy, to a the shift not everybody's pandemic I to is simply because world it's the would share with don't last find just and in virtual I space, couple actually been our you years, to accelerated. and

because type to that which the it's the truly deliver. and not dealing not they There's that couple verbatims have only helps So, course it of this headwinds, what experience industries. and actually as we to customers of our virtually we've culture, on we that's look setup benefits multiple services. for but different and overall is, after employees, able work ahead, retain to market employee we're their based they more things love, with the with is acquire It's that us the and One, experts not they're looking have. do a been talking experts. going at it's they a our in we market our of these really experts, that way need to treat is And deliver

ask we We had experience sell, for are unique customers. in don't thing, awesome our ask retention high our is quite experts to our We've which an that. do rate. one a We to experts deliver

to by best very best. the of standards. have high the way, been actually we able have the And We recruit

We They recommendation We call be hurdles the for have which to able for scores. A have pass we assessing certain what to is measure process, to A us. awesome. join

So there's to to And be we a deliver service provide standard that they certifications. able have now against. also

and them grow careers. to be able help actually we to so their certified with And get education to

way benefits treat course the and provide. differentiator beyond is for employees, we the care the like experts our treat the really I and would we would that say that we So

Daniel Jester

Great. Thanks much. very

Sasan Goodarzi

Yeah, very welcome.

Operator

Thank you.

next from Our of Northcoast question comes Kartik Mehta Research.

Your question, please?

Kartik Mehta

I new you back quarter, last new and are level? in customer comments growth of Credit to customer your the if look months, or wondering, Sasan. that few wanted kind the Karma growth. to at the when but at you've Credit as to seen Hey, pre-pandemic and are matured most where it maybe recent And I'm of company and started XXXX compare Karma to the the kind not go look you Obviously, if you back today. you

Sasan Goodarzi

good to Kartik, from you. hear

I which they customers Day. because Investor about we're of And marketing could talk type pandemic. the XXX through I now, care on in not truly of customers focus that or Credit seeing app, now good in took that starting million of that we're getting their pandemic, came they really again, and were at and Karma think XX% marketing the of only The their Credit chose a the Intuit ensuring within app, but place do during reduced Karma, bounce really start pandemic significantly all Credit customers is to members that the the they came seeing the the had into the manage of is lot thrust focus that during the why the on big to that also which outside reasons Karma. with customers we're more without would numbers, we'll as really

ways, pre-pandemic ahead. in and we some above probably look about as we're possibilities would say So, I excited levels, the we're

Kartik Mehta

having just with. then which good you're And solution, on service success the TurboTax full very

greater you returns? simple that breakdown? services? what's are using Do of type have customers that As are very drawn look to of what at that the the ones kind they customers? Are the complex are Or, of solution, more number

Sasan Goodarzi

to It's me can to a ago, we the switch solution have step of use digital million a own willing customers Kartik. out that assisted It XX that to a as our based as variety, XX comes -- let on are an expert. did folks actually years several that an long confidence. Those access million down take they to method back, research

expert are So are folks and that really, as a as can to their long could these help vary. platform, get digital use they needs choosing

So expertise. filers, that digital really it's an not it's a chooses just platform use individual the to simple with

And just so kinds to are service. all of and choosing of not Live, come variety we're that TurboTax getting full TurboTax folks to

Kartik Mehta

thank Sasan, appreciate I you, Well, it.

Sasan Goodarzi

You're very welcome.

Operator

you. Thank

Matt go next comes of William ahead. Pfau Please Our from Blair. question

Matt Pfau

thanks. Hey,

they customers Just them cohorts users that you've brought had time? big ability are there Or, Karma also in life move how to in terms part over to model that two experienced around seeing around a ability the and users two the to the of events. are free franchise? tiers, And years been monetize added in these past they Credit potentially able that, Are you the free over you years, has the Thanks. up through past restrictions Intuit upon question into over difference any come these to some the market then, to the then that depending customers? as bring have certain free in a other you've of

Sasan Goodarzi

Matt. Sure, Yeah.

for as those we taxes. two, free time, strategy they beyond Karma, get you we needs. a tax unchanged. We to opportunity over want One, have now provide reasons have many can But life benefits situation is Credit want but with Our to that customers, may other serve then, as exactly changes, as we customers an mentioned. different the

an assisted end of So as got year category. the ultimately, we our basic, would this because quite Live we strategy I about we particularly folks love, on particularly were if bit from say, that that the to unchanged. assisted that example, is category it's use in, TurboTax have free, a came and focus where with end transforming I

unchanged. And would really strategy we with Karma. with There in we have growth what saw our are is line that was no restrictions Credit expected. So, the

Credit scales launched ran XX we experience. of we as Karma given experience. It's can a really can't have launched Karma really different test we our going understand As nail look as tests and be part the but terms are I to And as Credit TurboTax we learn how experience. of year, learning it, to the mentioned to in TurboTax a we all now focused earlier, And able to platform. filing we're what one do. we restrictions of this part there the at And to customer just as could the on have level, no

Matt Pfau

Thanks. Great.

Sasan Goodarzi

Yeah, very welcome.

Operator

Thank you.

America. comes Our Bank next of of from Sills question Brad

Your line is open.

Brad Sills

And Oh, on wanted real great. quarter. a congratulations guys. Advanced. I ask nice Thanks, about to QuickBooks

of perhaps, there draw You've to market. limit going you obviously move effort to where the an line north which this of to an a QuickBooks traction And seen it's be kind Is difficult with kind even some of and of in go? there. up really real it's Or, for Obviously, to of is Business point as maybe the the then kind there's organizations. opportunity, go features mid-market Advanced? you the maybe for next at Small end QuickBooks larger year, between the into move optimizing market some that for balance lower up

how that balance? are you potentially thinking limit you so So about Thank And that where would be? much.

Sasan Goodarzi

Yeah. Sure, Brad. Thank you.

employees. been experience just focus First for businesses between of to we set nailing the the XX small all, that sake really our XXX are initial and limit that has of

of we're get don't We're we that it continue can to into that that to we're be a platform. XXX want size that to of is professional don't durable. continuing be we that our even a to where having pleased Intuit's and We serving do and And market, the question, to want to We the customize there's want want get the we other able place scale, services, something into the into Intuit. world. company up very within to don't is get a are segment. believe said, place We a platform limit where progress. to we your what serve XX with employee move we the to With out to to than build don't

at But communicate we will serve beyond an really put that on all nail when that right the to focused you we ensure course, the at We ourselves limit choose the opportunity and we that of can XXX. we be time, intentional limit the experience around we'll to today. XXX. believe segment that not go very there's beyond stop And our to So, scaling. and

Brad Sills

more different returns, full Thank most you sophisticated pool CPA go in for feel the base do the able you're have you progress with you tax even That's question to much. some as One service, on complexity the returns? brackets your similar of up great, TurboTax, so Sasan. of talent into to within seeing tax be into and kind you move

Sasan Goodarzi

our sure. for We confidence Yeah, exciting we're doing and own do and a really of is, after businesses. and about because we're both providing we that's small are training unique consumers one certification, problem going and what the things

small can businesses only need only right that So their deliver not get done. as we we're recruiting taxes on, get for need to have but recruit, we but quarterly advice, to ensure that not for expertise customers their the need to taxes also that

are hiring the around best, and also of looking best building own training and that So we the in capabilities at are addition in the our certification. marketplace, to partners

So with really skill can of those both how type we'll but dimensions, skills. good those we about the we grow and that to retain, also feel acquire able be

Brad Sills

That's Sasan. great. Thanks,

Sasan Goodarzi

welcome. very Yeah,

Operator

Thank you.

comes question next Michael of Research. Millman Millman from Our

open. Your line is

Michael Millman

guess, question accelerated means. Thank what a I of you. it's

I mean, So, By XX%, can bottom at your so and year next earnings? line expect and year at that at I one XX% look on. accelerated

the did last report And actually on And that with TurboTax that Second think this question, does where assisted number How many Live. compare year? returns you year? to how unrelated as you going? is that of sort is do

Sasan Goodarzi

the for our of of things. guidance. one, around And provided for we've talk guidance thing guidance, but just long-term about we'll we're year talk only guidance beyond your Day our is did A Great. FY that more expectation. we I our I and year as one 'XX, will for last couple Michael, we would not question. and Investor the do course, and you at Michelle raise excited pleased thank of able to say, very were remainder

beyond So, we I Day fiscal to I have the the think say, Investor would let's till wait are conversation that in. year

And completely fastest good We're just Live continues just -- from customers products on assisted of not these to actually that growth coming us the then very year accelerated is, I last came pleased In majority of that the terms top it a intentionally had about Live. reiterate we we actual do other company. of TurboTax of that pleased would Live, growth of are platform TurboTax we're than category year. are from fastest it growth report Intuit XXX% that to the the very TurboTax year new in and our that a to one last rate. thing is numbers are the customers to growing be and in

the more publicly, that So numbers and to Day. and sharing to look we've some stats those are forward share at of chosen we'll Investor

Michael Millman

one assisted? those it's assisted assume offset from wash on going hand I and roughly of so to is you a coming into Can

Sasan Goodarzi

grow It's it No, total of at all. our I pace a we're base year-after-year. wouldn't wash actually call why to customers able

increase wash. it our So metrics of you that is I which earlier, is it one total when IRS And is our base not no, share the means number to no a it not the share shared returns, that point, actually an total continues by of that in No, increased wash, increase. look Intuit.

Michael Millman

information. you. thank your Appreciate Okay,

Sasan Goodarzi

Michael. you, Thank

Operator

you. Thank

Our next KeyBanc. comes question from Josh Beck of

line open. Your is

Josh Beck

I much a for parter the a taking ask is had you so two certainly Thank progress. One around team. really Credit you maybe question. to wanted good Money, Karma

the million so aperture really deposits. with seeing you there? you the deals? much. wondering, are just you and is larger direct it a translate amount And maybe does how as payroll with regular the to for that you consider I Karma, to deposit, little Thank a just you related, it bit I'm success offered these that and momentum into maybe about of think M&A think strategy make types more maybe important Credit XX you transformative revisit of already want of direct

Sasan Goodarzi

Thank Yeah. Great, Josh. you.

make to not I one all, clarify to misinterpreted. want of it thing First was sure just

the To don't they I We wanted more is back they took to over and provide present all will I'll the our I our which was And members, be drive very Credit and wish paint earlier, to growth. million go customers. us a services you gives Money. time, more made will platform and Karma clear. actually to make goal I did XX but just opportunity want the and benefits Karma then time, the that Credit Money opportunity that it's notifications, quickly that question, picture. it that able customers they me great up to we available revenue opportunity is an they is, actually them, to question more to TurboTax come asked, over a services what Karma have more and on sure just monetize products the an through engage to to the our and will with the shared Credit to to to more XX we that that have as actually the I interpret you million back

it we well, paying power Josh, Money savings credit that's to access like have you, us account ex monetizing driving looks hey, account, on hey, the have back, less. pre-approved Credit XX% pay payroll for for to bring we more take offer we but is we to checking card paycheck. right you offer your of early if we you the Josh, a direct your have single you you, than based your insurance, our auto necessarily give off more can you're Not the that's habits Karma an so every about on So choose a is you deposits, benefit, can where everything

debt where try is truly in becomes your in assistant and are money described earlier, financial to pocket I that vision reduce your it we help which in you your So your to put more pocket. a the corner,

it studied well, years deposits So, speed market. of us a in on they've question we're of several the And M&A, to opportunities M&A which last to and reliant and reason well. just last another lot means. products course monetize. the made benefit have have for we not go I we gives done some We, to about be what able didn't today. ability more overly us, well To last around becomes our history your our then more just by any lot we've steadfast. platform, in went it are our acquisitions with mean, to what that's approaches informed, to about a and engage how execute, based principles a in on to And is everything really offer the XX-years, of confidence the direct But you our truly because

grow, acquire acquisitions. to we capability the And so confidence if of to there principles given is talent like Credit execution Karma, has And informed technology decisions. we or course, need need of acquire, were our the continued recent those to

Josh Beck

much. so Thanks

Sasan Goodarzi

Very welcome.

Operator

to I'm not questions. Would further any close showing remarks? Ladies additional and gentlemen, any you like with

Sasan Goodarzi

for be Take want to thank Bye-bye. again, questions. care, I'll you to you look they're Intuit Yes, to and everybody. very doing I we for forward team to our that Thank your for next And our wonderful of everything partners our our brief. And earnings. innovate customers. at talking all

Operator

Ladies and for today's concludes conference participating. gentlemen, call. you thank This

Intuit (INTU) 26 May 212021 Q3 Earnings call transcript