A bullish investment thesis has been published for the company, highlighting its position at the nexus of data, credit, and human capital. Recent data from its Canadian division shows a significant rise in consumer credit stress, with 1.45 million Canadians missing a credit payment in Q3, an increase of over 46,000 from the previous quarter. The non-mortgage delinquency rate also rose. This increased financial strain on consumers is seen as a potential business driver, with credit card balances expected to peak during the upcoming holiday season.