<div class="fm"><div class="fm-wrap"><div class="fm-panel"><div class="fm-tabs"><span class="fm-logo"></span><span class="fm-tab on">Q4 Reforecast</span><span class="fm-tab">Live Actuals</span><span class="fm-tab">Agent Review</span></div><div class="fm-cap"><i></i>Q4 2026 Reforecast · Key Assumptions vs. Actuals</div><table class="fm-tbl"><tr><th>Driver</th><th>Q4 forecast</th><th>Trailing 6 mo.</th><th>Source</th></tr><tr class="fm-hi"><td>Enterprise renewal rate</td><td>94%</td><td>87%</td><td>CRM</td></tr><tr class="fm-hi"><td>EMEA win rate</td><td>28%</td><td>19%</td><td>CRM</td></tr><tr><td>North America win rate</td><td>24%</td><td>24%</td><td>CRM</td></tr><tr class="fm-hi"><td>R&D hires starting in Q4</td><td>14</td><td>6 accepted</td><td>ATS</td></tr><tr><td>Days sales outstanding</td><td>52</td><td>54</td><td>ERP</td></tr><tr><td>Hosting cost per customer</td><td>$1,180</td><td>$1,210</td><td>ERP</td></tr></table><div class="fm-cap fm-cap2"><i></i>Q4 Reforecast vs. Agent's Corrected Copy</div><table class="fm-tbl"><tr><th>2026</th><th>Reforecast</th><th>Corrected copy</th></tr><tr><td>Ending ARR</td><td>$522.1M</td><td class="fm-or">$516.1M</td></tr><tr><td>Q4 bookings</td><td>$41.8M</td><td class="fm-or">$39.7M</td></tr><tr><td>Q4 opex</td><td>$77.1M</td><td class="fm-or">$76.2M</td></tr></table></div><div class="fm-card"><div class="fm-card-h"><span class="fm-logo"></span>Fintastic Agent</div><div class="fm-pill">Fintastic agent done</div><p class="fm-ttl">Three assumptions don't hold up against your actuals</p><div class="fm-sub">Q4 2026 Reforecast vs. the trailing six months</div><table class="fm-tbl"><tr><th>Assumption</th><th>Impact</th></tr><tr><td>Enterprise renewal rate, 94% vs. 87%</td><td class="fm-mono">($3.9M) ARR</td></tr><tr><td>EMEA win rate, 28% vs. 19%</td><td class="fm-mono">($2.1M) ARR</td></tr><tr><td>Q4 R&D starts, 14 vs. 6 accepted offers</td><td class="fm-mono">$0.9M lower opex</td></tr><tr class="fm-hi"><td>2026 ending ARR, corrected</td><td class="fm-mono">$516.1M</td></tr></table><div class="fm-note">I built a corrected copy of the forecast so you can compare the two side by side, and the original reforecast is unchanged.</div></div></div></div>
<div class="cr"><div class="cr-head"><div class="cr-hl">The workaround</div><div class="cr-hr">With Fintastic</div></div><div class="cr-row"><div class="cr-l">Spending days checking each forecast assumption against the latest actuals</div><div class="cr-r"><span class="cr-tick">✓</span><span>Ask the Agent to pressure-test the forecast, and it checks every driver against your CRM, ERP and hiring data.</span></div></div><div class="cr-row"><div class="cr-l">Rebuilding a variance waterfall by hand to explain one miss</div><div class="cr-r"><span class="cr-tick">✓</span><span>Ask which drivers caused the miss and get price, mix, volume and timing traced through the model.</span></div></div><div class="cr-row"><div class="cr-l">Re-checking AI answers because they can't show their work</div><div class="cr-r"><span class="cr-tick">✓</span><span>Every figure is calculated by the planning engine and comes with its trace, so the same question returns the same number.</span></div></div></div>
<div class="dd"><div class="dd-h"><span class="fm-logo"></span>Fintastic Agent</div><div class="dd-q">We've finished the 2026 board budget. Where can we optimize net income?</div><div class="dd-a">Revenue doubles in this plan while opex grows only 10%, which is optimistic, so I looked at where the money moved.</div><table class="dd-t"><tr><th>Where the money moved, 2026 vs. 2025</th><th>Amount</th></tr><tr><td>Growth marketing demand, the largest new commitment</td><td class="fm-mono">+$44.6M</td></tr><tr><td>Communication and computer equipment</td><td class="fm-mono">+$11.4M</td></tr><tr><td>Payroll and employer costs, share of the total cost base</td><td class="fm-mono">35%</td></tr><tr class="hi"><td>Fastest lever: delay a quarter of the incremental hires by one quarter</td><td class="fm-mono">$2–3M</td></tr></table><div class="dd-flag"><b>Two things to flag before the board sees this</b><ul><li>Other income is booked flat at $4.3M in every quarter.</li><li>Finance and taxes looks wrong against the prior year.</li></ul></div><div class="dd-cav">One caveat: the 2026 vs. 2025 comparison spans a reclassification, so treat those account groups with care.</div></div>
<div class="qc"><div class="qc-i"><div class="qc-q">"Why did gross margin drop two points?"</div><div class="qc-a">It splits the drop into price, mix, volume and one-offs, then traces each one to its driver.</div></div><div class="qc-i"><div class="qc-q">"Is this formula doing what I think?"</div><div class="qc-a">It reads the logic rather than the label and flags errors that never turn a cell red.</div></div><div class="qc-i"><div class="qc-q">"Delay every R&D hire by a quarter."</div><div class="qc-a">It models the change on a copy of your plan, so the approved version stays exactly as it was.</div></div></div>
<div class="pc"><div class="pc-c"><div class="pc-lab">December churn, as reported and as traced by the Agent</div><div class="pc-k">REPORT SHOWED</div><div class="pc-was">−3.19%</div><div class="pc-k2">AGENT FOUND</div><div class="pc-now">−13.4%</div></div><div class="pc-c"><div class="pc-lab">Forecast inflated by allocation shares meant to total 100%</div><div class="pc-k">SHARES SUMMED TO</div><div class="pc-was">~130%</div><div class="pc-k2">OVERSTATEMENT FOUND</div><div class="pc-now">~30%</div></div><div class="pc-t"><div class="pc-tq">"Variance analysis takes less than half the time it would have with Adaptive. You stay in the tool and drill down."</div><div class="pc-ta"><strong>Gigamon</strong> · Chris Colman, VP FP&A</div></div></div>