Q4 2019 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$1.3B-6.7% YoY

Gross Profit

$551M42.2% margin

Operating Income

$227M17.3% margin

Net Income

$135M10.4% margin

EPS (Diluted)

$0.32

QoQ Revenue Growth

+0.1%

Cash Flow

Operating Cash Flow

$249M

Free Cash Flow

$215M

Stock-Based Comp.

Balance Sheet

Total Assets

$8.8B

Total Liabilities

$8.8B

Stockholders' Equity

-$40M

Cash & Equivalents

$1.8B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$1.3B	$1.4B	-6.7%
Gross Profit	$551M	$568M	-2.9%
Operating Income	$227M	$271M	-16.4%
Net Income	$135M	$212M	-36.2%

Revenue Segments

Consumer Money Transfers

$1.1B86%

Foreign Exchange And Payment Services

$97M7%

Consumer Bill Payments

$61M5%

Other Services

$24M2%

Geographic Segments

Middle East Africa And South Asia

$164M82%

East Asia And Oceania

$17M9%

North America Member

$14M7%

Latin America And Caribbean

$4M2%

Europe And Russia Cis

$899,9990%