Q3 2019 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$1.3B-5.8% YoY

Gross Profit

$538M41.2% margin

Operating Income

$197M15.1% margin

Net Income

$135M10.3% margin

EPS (Diluted)

$0.32

QoQ Revenue Growth

-2.5%

Cash Flow

Operating Cash Flow

$263M

Free Cash Flow

$244M

Stock-Based Comp.

Balance Sheet

Total Assets

$8.8B

Total Liabilities

$8.8B

Stockholders' Equity

-$20M

Cash & Equivalents

$1.9B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$1.3B	$1.4B	-5.8%
Gross Profit	$538M	$575M	-6.4%
Operating Income	$197M	$303M	-34.8%
Net Income	$135M	$209M	-35.3%

Revenue Segments

Consumer Money Transfers

$1.1B85%

Foreign Exchange And Payment Services

$101M8%

Consumer Bill Payments

$68M5%

Other Services

$25M2%

Geographic Segments

East Asia And Oceania

$17M47%

North America Member

$14M37%

Latin America And Caribbean

$4M11%

Europe And Russia Cis

$1M4%

Middle East Africa And South Asia

$400,0001%