Q1 2019 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$1.3B-3.8% YoY

Gross Profit

$552M41.3% margin

Operating Income

$251M18.8% margin

Net Income

$173M12.9% margin

EPS (Diluted)

$0.39

QoQ Revenue Growth

-4.6%

Cash Flow

Operating Cash Flow

$240M

Free Cash Flow

$202M

Stock-Based Comp.

Balance Sheet

Total Assets

$9.4B

Total Liabilities

$9.8B

Stockholders' Equity

-$374M

Cash & Equivalents

$833M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$1.3B	$1.4B	-3.8%
Gross Profit	$552M	$564M	-2.1%
Operating Income	$251M	$265M	-5.2%
Net Income	$173M	$214M	-19.0%

Revenue Segments

Consumer Money Transfers

$1.1B79%

Consumer Bill Payments

$159M12%

Foreign Exchange And Payment Services

$96M7%

Other Services

$25M2%

Geographic Segments

East Asia And Oceania

$18M47%

North America Member

$15M39%

Latin America And Caribbean

$4M9%

Europe And Russia Cis

$900,0002%

Middle East Africa And South Asia

$500,0001%