Q2 2019 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$1.3B-5.0% YoY

Gross Profit

$564M42.1% margin

Operating Income

$259M19.3% margin

Net Income

$615M45.9% margin

EPS (Diluted)

$1.42

QoQ Revenue Growth

+0.3%

Cash Flow

Operating Cash Flow

$163M

Free Cash Flow

$126M

Stock-Based Comp.

Balance Sheet

Total Assets

$9.0B

Total Liabilities

$9.0B

Stockholders' Equity

$30M

Cash & Equivalents

$2.0B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$1.3B	$1.4B	-5.0%
Gross Profit	$564M	$582M	-3.1%
Operating Income	$259M	$284M	-8.7%
Net Income	$615M	$218M	+182.5%

Revenue Segments

Consumer Money Transfers

$1.1B83%

Consumer Bill Payments

$106M8%

Foreign Exchange And Payment Services

$96M7%

Other Services

$26M2%

Geographic Segments

East Asia And Oceania

$16M45%

North America Member

$14M39%

Latin America And Caribbean

$4M11%

Europe And Russia Cis

$1M3%

Middle East Africa And South Asia

$500,0001%