XML 26 R15.htm IDEA: XBRL DOCUMENT
v3.25.1

Reportable Segment Information (Text Block) | 9 Months Ended
--- | ---
Mar. 31, 2025
Segment Reporting [Abstract] |
Reportable Segment Information Disclosure [Text Block] | REPORTABLE SEGMENT INFORMATION The Company is a well-rounded financial technology company and is a leading provider of technology solutions and payment processing services primarily to community and regional financial institutions. The Company’s operations are classified into four reportable segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer/member information. The Payments segment provides secure payment processing tools and services, including ATM, debit, and credit card processing services, online and mobile bill pay solutions, Automated Clearing House (“ACH”) origination and remote deposit capture processing, and risk management products and services. The Complementary segment provides additional software, hosted processing platforms, and services, including digital/mobile banking, treasury services, online account opening, fraud/anti-money laundering (“AML”) and lending/deposit solutions that can be integrated with the Company's Core solutions, and many can be used independently. The Corporate and Other segment includes revenue and costs from hardware and other products not attributed to any of the other three segments, as well as operating expenses not directly attributable to the other three segments. The Company evaluates the performance of its segments and allocates resources to them based on various factors, including performance against trend, budget, and forecast. Only revenue and costs of revenue are considered in the evaluation for each segment. Immaterial adjustments have been made between segments to reclassify cost of revenue that was recognized for the three and nine months ended March 31, 2024. These reclasses were made to be consistent with the current allocation of cost of revenue by segment. Cost of revenue reclassed for the three and nine months ended March 31, 2024, from Complementary to Corporate and Other, was $1,195 and $3,710, respectively.
| Three Months Ended
| March 31, 2025
| Core |  | Payments |  | Complementary |  | Corporate and Other |  | Total
REVENUE |  |  |  |  |  |  |  |  |
Services and Support | $ | 170,262 |  |  | $ | 22,834 |  |  | $ | 121,077 |  |  | $ | 16,619 |  |  | $ | 330,792 |
Processing | 10,463 |  |  | 194,615 |  |  | 46,365 |  |  | 2,852 |  |  | 254,295 |
Total Revenue | 180,725 |  |  | 217,449 |  |  | 167,442 |  |  | 19,471 |  |  | 585,087 |
Cost of Revenue | 75,258 |  |  | 116,266 |  |  | 67,836 |  |  | 81,226 |  |  | 340,586 |
Research and Development |  |  |  |  |  |  |  |  | 39,411 |
Selling, General, and Administrative |  |  |  |  |  |  |  |  | 66,350 |
Total Expenses |  |  |  |  |  |  |  |  | 446,347 |
SEGMENT INCOME | $ | 105,467 |  |  | $ | 101,183 |  |  | $ | 99,606 |  |  | $ | (61,755) |  |  |
OPERATING INCOME |  |  |  |  |  |  |  |  | 138,740 |
INTEREST INCOME (EXPENSE) |  |  |  |  |  |  |  |  | 3,168 |
INCOME BEFORE INCOME TAXES |  |  |  |  |  |  |  |  | $ | 141,908 |
| Three Months Ended
| March 31, 2024
| Core |  | Payments |  | Complementary |  | Corporate and Other |  | Total
REVENUE |  |  |  |  |  |  |  |  |
Services and Support | $ | 156,421 |  |  | $ | 20,440 |  |  | $ | 109,682 |  |  | $ | 18,474 |  |  | $ | 305,017 |
Processing | 10,234 |  |  | 181,479 |  |  | 39,549 |  |  | 2,283 |  |  | 233,545 |
Total Revenue | 166,655 |  |  | 201,919 |  |  | 149,231 |  |  | 20,757 |  |  | 538,562 |
Cost of Revenue | 72,153 |  |  | 109,848 |  |  | 64,219 |  |  | 82,004 |  |  | 328,224 |
Research and Development |  |  |  |  |  |  |  |  | 35,993 |
Selling, General, and Administrative |  |  |  |  |  |  |  |  | 62,246 |
Total Expenses |  |  |  |  |  |  |  |  | 426,463 |
SEGMENT INCOME | $ | 94,502 |  |  | $ | 92,071 |  |  | $ | 85,012 |  |  | $ | (61,247) |  |  |
OPERATING INCOME |  |  |  |  |  |  |  |  | 112,099 |
INTEREST INCOME (EXPENSE) |  |  |  |  |  |  |  |  | 2,066 |
INCOME BEFORE INCOME TAXES |  |  |  |  |  |  |  |  | $ | 114,165 |
| Nine Months Ended
| March 31, 2025
| Core |  | Payments |  | Complementary |  | Corporate & Other |  | Total
REVENUE |  |  |  |  |  |  |  |  |
Services and Support | $ | 518,247 |  |  | $ | 65,671 |  |  | $ | 368,644 |  |  | $ | 57,936 |  |  | $ | 1,010,498 |
Processing | 31,276 |  |  | 578,536 |  |  | 131,436 |  |  | 8,170 |  |  | 749,418 |
Total Revenue | 549,523 |  |  | 644,207 |  |  | 500,080 |  |  | 66,106 |  |  | 1,759,916 |
Cost of Revenue | 227,417 |  |  | 344,023 |  |  | 197,188 |  |  | 248,240 |  |  | 1,016,868 |
Research and Development |  |  |  |  |  |  |  |  | 120,192 |
Selling, General, and Administrative |  |  |  |  |  |  |  |  | 209,839 |
Total Expenses |  |  |  |  |  |  |  |  | 1,346,899 |
SEGMENT INCOME | $ | 322,106 |  |  | $ | 300,184 |  |  | $ | 302,892 |  |  | $ | (182,134) |  |  |
OPERATING INCOME |  |  |  |  |  |  |  |  | 413,017 |
INTEREST INCOME (EXPENSE) |  |  |  |  |  |  |  |  | 13,070 |
INCOME BEFORE INCOME TAXES |  |  |  |  |  |  |  |  | $ | 426,087 |
| Nine Months Ended
| March 31, 2024
| Core |  | Payments |  | Complementary |  | Corporate & Other |  | Total
REVENUE |  |  |  |  |  |  |  |  |
Services and Support | $ | 487,594 |  |  | $ | 61,402 |  |  | $ | 347,733 |  |  | $ | 62,485 |  |  | $ | 959,214 |
Processing | 31,102 |  |  | 543,713 |  |  | 115,331 |  |  | 6,271 |  |  | 696,417 |
Total Revenue | 518,696 |  |  | 605,115 |  |  | 463,064 |  |  | 68,756 |  |  | 1,655,631 |
Cost of Revenue | 217,449 |  |  | 330,297 |  |  | 188,002 |  |  | 236,457 |  |  | 972,205 |
Research and Development |  |  |  |  |  |  |  |  | 108,363 |
Selling, General, and Administrative |  |  |  |  |  |  |  |  | 211,298 |
Total Expenses |  |  |  |  |  |  |  |  | 1,291,866 |
SEGMENT INCOME | $ | 301,247 |  |  | $ | 274,818 |  |  | $ | 275,062 |  |  | $ | (167,701) |  |  |
OPERATING INCOME |  |  |  |  |  |  |  |  | 363,765 |
INTEREST INCOME (EXPENSE) |  |  |  |  |  |  |  |  | 3,870 |
INCOME BEFORE INCOME TAXES |  |  |  |  |  |  |  |  | $ | 367,635 |
The Company has not disclosed any additional asset information by segment, as the information is not generated for internal management reporting to the Chief Executive Officer, who is also the Chief Operating Decision Maker.

X
- References No definition available. + Details
Name: | us-gaap_SegmentReportingAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 31 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-31 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-15 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-42 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 48 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 270 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (i) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (ee) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 11: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 12: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 54 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54 Reference 13: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 47 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47 Reference 14: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 54 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54 Reference 15: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 47 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47 Reference 16: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 54 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54 Reference 17: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 47 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47 Reference 18: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 19: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-34 Reference 20: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 26C -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C Reference 21: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 26B -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B Reference 22: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 40 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-40 Reference 23: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/280/tableOfContent Reference 24: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 26 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26 Reference 25: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 41 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-41 + Details
Name: | us-gaap_SegmentReportingDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration