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SEGMENT INFORMATION (Tables)

9 Months Ended

Sep. 30, 2025

SEGMENT INFORMATION

Schedule of reportable segment results

The following tables present the Company's reportable segment results for the three months and nine months ended September 30, 2025 and 2024:

			Three Months Ended September 30, 2025
(in millions)			EFT Processing			epay			Money Transfer			Corporate Services, Eliminations and Other			Consolidated
Total revenues		$	409.4		$	286.5		$	452.4		$	(2.6)		$	1,145.7
Operating expenses:
Direct operating costs, exclusive of depreciation			194.4			216.3			235.8			(2.6)			643.9
Salaries and benefits			46.6			28.0			92.6			20.2			187.4
Selling, general and administrative			13.7			9.7			58.1			3.1			84.6
Goodwill impairment			—			—			—			—			—
Depreciation and amortization			26.6			1.5			6.6			0.1			34.8
Total operating expenses			281.3			255.5			393.1			20.8			950.7
Operating income (Loss)		$	128.1		$	31.0		$	59.3		$	(23.4)		$	195.0

			Three Months Ended September 30, 2024
(in millions)			EFT Processing			epay			Money Transfer			Corporate Services, Eliminations and Other			Consolidated
Total revenues		$	373.0		$	290.3		$	438.2		$	(2.2)		$	1,099.3
Operating expenses:
Direct operating costs, exclusive of depreciation			174.3			223.5			238.4			(2.2)			634.0
Salaries and benefits			41.3			26.2			84.9			17.2			169.6
Selling, general and administrative			15.3			9.6			50.8			4.9			80.6
Goodwill impairment			—			—			—			—			—
Depreciation and amortization			24.8			1.9			6.0			0.2			32.9
Total operating expenses			255.7			261.2			380.1			20.1			917.1
Operating income (expense)		$	117.3		$	29.1		$	58.1		$	(22.3)		$	182.2

			Nine Months Ended September 30, 2025
(in millions)			EFT Processing			epay			Money Transfer			Corporate Services, Eliminations and Other			Consolidated
Total revenues		$	980.4		$	834.0		$	1,328.0		$	($6.9)		$	3,135.5
Operating expenses:
Direct operating costs, exclusive of depreciation			504.8			629.3			698.3			(6.9)			1,825.5
Salaries and benefits			121.8			78.7			268.7			55.8			525.0
Selling, general and administrative			40.9			32.3			172.3			9.9			255.4
Goodwill impairment			—			—			—			—			—
Depreciation and amortization			76.9			4.8			18.7			0.4			100.8
Total operating expenses			744.4			745.1			1,158.0			59.2			2,706.7
Operating income (expense)		$	236.0		$	88.9		$	170.0		$	(66.1)		$	428.8

			Nine Months Ended September 30, 2024
(in millions)			EFT Processing			epay			Money Transfer			Corporate Services, Eliminations and Other			Consolidated
Total revenues		$	895.6		$	808.3		$	1,244.6		$	(6.0)		$	2,942.5
Operating expenses:
Direct operating costs, exclusive of depreciation			457.9			617.1			679.5			(6.0)			1,748.5
Salaries and benefits			107.5			75.4			248.3			51.1			482.3
Selling, general and administrative			38.0			28.5			154.2			11.2			231.9
Goodwill impairment			—			—			—			—			—
Depreciation and amortization			73.5			5.4			20.0			0.4			99.3
Total operating expenses			676.9			726.4			1,102.0			56.7			2,562.0
Operating income (expense)		$	218.7		$	81.9		$	142.6		$	(62.7)		$	380.5

The following table presents the Company's total assets by reportable segment:

			Total Assets as of
			September 30, 2025			December 31, 2024
EFT Processing		$	3,136.4		$	2,762.2
epay			973.5			1,073.7
Money Transfer			1,845.0			1,745.5
Corporate Services, Eliminations and Other			320.5			253.1
Total		$	6,275.4		$	5,834.5

Schedule of Company's revenues disaggregated by segment and region

			Three Months Ended September 30, 2025													Nine Months Ended September 30, 2025
(in millions)			EFT Processing			epay			Money Transfer			Total				EFT Processing			epay			Money Transfer			Total
Europe		$	322.6		$	191.4		$	201.5		$	715.5			$	725.7		$	554.0		$	579.6		$	1,859.3
North America			19.8			43.6			200.5			263.9				58.8			130.9			597.3			787.0
Asia Pacific			57.8			38.8			33.1			129.7				170.7			113.5			99.4			383.6
Other			9.2			12.7			17.3			39.2				25.2			35.6			51.7			112.5
Eliminations			—			—			—			(2.6)				—			—			—			(6.9)
Total		$	409.4		$	286.5		$	452.4		$	1,145.7			$	980.4		$	834.0		$	1,328.0		$	3,135.5

			Three Months Ended September 30, 2024													Nine Months Ended September 30, 2024
(in millions)			EFT Processing			epay			Money Transfer			Total				EFT Processing			epay			Money Transfer			Total
Europe		$	294.2		$	178.2		$	186.1		$	658.5			$	671.5		$	506.3		$	520.6		$	1,698.4
North America			18.9			58.3			201.8			279.0				55.1			151.2			577.9			784.2
Asia Pacific			55.3			41.5			32.5			129.3				157.5			112.1			95.1			364.7
Other			4.6			12.3			17.8			34.7				11.5			38.7			51.0			101.2
Eliminations			—			—			—			(2.2)				—			—			—			(6.0)
Total		$	373.0		$	290.3		$	438.2		$	1,099.3			$	895.6		$	808.3		$	1,244.6		$	2,942.5

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- Definition

Tabular disclosure of revenue from external customers by geographic areas attributed to the entity's country of domicile and to foreign countries from which the entity derives revenue.

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Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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