Overview Financials News + Filings Key Docs Ownership
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| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 |
| | 20-F | 20-F | 20-F | 20-F | 20-F | 20-F | 20-F | 20-F |
| Revenues: |
| Financial Services | 4.4 | 0.7 | 0.1 | | | | | |
| Incentive fees | 39.9 | 28.7 | 17.0 | | | | | |
| PrePayModel Customer | 457.3 | 270.9 | 102.6 | | | | | |
| Interest revenue | 4.1 | 0.8 | 0.1 | | | | | |
| Other | 32.2 | 21.8 | 11.4 | | | | | |
| Total revenues | 538.0 | 322.8 | 131.3 | 524.9 | 530.6 | 523.9 | 411.2 | 421.7 |
| Revenue growth [+] | 66.6% | 145.8% | -75.0% | -1.1% | 1.3% | 27.4% | -2.5% | |
| Financial Services | 528.3% | 412.3% | | | | | | |
| Incentive fees | 39.1% | 68.2% | | | | | | |
| PrePayModel Customer | 68.8% | 164.0% | | | | | | |
| Interest revenue | 422.1% | 471.0% | | | | | | |
| Other Customers | 42.2% | 67.8% | | | | | | |
| Cost of goods sold | 182.9 | 160.2 | 103.8 | 179.6 | 172.1 | 142.5 | 126.7 | 154.2 |
| Gross profit | 355.1 | 162.6 | 27.5 | 345.3 | 358.5 | 381.5 | 284.5 | 267.5 |
| Gross margin | 66.0% | 50.4% | 20.9% | 65.8% | 67.6% | 72.8% | 69.2% | 63.4% |
| Selling, general and administrative [+] | 266.7 | 179.0 | 133.7 | 280.9 | 241.6 | 238.9 | 186.1 | 248.3 |
| Sales and marketing | 165.2 | 95.3 | 57.3 | 187.9 | 174.4 | 166.3 | 121.5 | 170.1 |
| General and administrative | 101.5 | 83.7 | 76.4 | 93.0 | 67.2 | 72.6 | 64.7 | 78.2 |
| Research and development | 90.0 | 74.7 | 67.0 | 73.4 | 71.2 | 71.3 | 63.3 | 73.5 |
| Equity in earnings | -0.2 | 0.3 | -2.1 | | | | | |
| Other operating expenses | 0.2 | -0.3 | 2.1 | | | | | |
| EBITDA [+] | 34.1 | -56.2 | -147.7 | 13.9 | 60.9 | 85.1 | 48.0 | -39.9 |
| EBITDA growth | -160.6% | -61.9% | -1164.3% | -77.2% | -28.4% | 77.2% | -220.2% | |
| EBITDA margin | 6.3% | -17.4% | -112.4% | 2.6% | 11.5% | 16.2% | 11.7% | -9.5% |
| Depreciation | 7.0 | 6.9 | 8.0 | 6.7 | 5.0 | 5.1 | 5.1 | 5.2 |
| EBITA | 27.1 | -63.2 | -155.7 | 7.2 | 55.9 | 80.0 | 42.9 | -45.1 |
| EBITA margin | 5.0% | -19.6% | -118.5% | 1.4% | 10.5% | 15.3% | 10.4% | -10.7% |
| Amortization of intangibles | 29.0 | 27.3 | 21.7 | 16.1 | 10.1 | 8.8 | 7.8 | 9.3 |
| EBIT [+] | -1.9 | -90.4 | -177.4 | -8.9 | 45.8 | 71.2 | 35.1 | -54.4 |
| EBIT growth | -97.9% | -49.0% | 1888.3% | -119.5% | -35.8% | 103.0% | -164.5% | |
| EBIT margin | -0.4% | -28.0% | -135.0% | -1.7% | 8.6% | 13.6% | 8.5% | -12.9% |
| Non-recurring items [+] | | 5.1 | 1.9 | | 0.4 | | | |
| Asset impairment | | 5.1 | 1.9 | | 0.4 | | | |
| Interest income, net [+] | -0.2 | -0.2 | 3.9 | 7.9 | 7.6 | 2.4 | 8.3 | 10.8 |
| Interest expense | 0.2 | 0.2 | 5.5 | 5.8 | | | | |
| Interest income | | | 3.9 | 7.9 | 7.6 | 2.4 | 8.3 | 10.8 |
| Other income (expense), net | -45.1 | -10.3 | 16.6 | -19.4 | -26.8 | -19.3 | -15.1 | -23.7 |
| Pre-tax income | -47.2 | -106.1 | -164.3 | -26.1 | 26.2 | 54.4 | 28.3 | -67.3 |
| Income taxes | 21.3 | -0.2 | -21.4 | -5.2 | 7.1 | 12.0 | 10.5 | 18.0 |
| Tax rate | | 0.2% | 13.0% | 20.0% | 27.0% | 22.1% | 37.2% | |
| Minority interest | | -1.2 | -0.3 | | | | | |
| Net income | -68.5 | -104.6 | -142.6 | -20.9 | 19.2 | 42.4 | 17.8 | -85.3 |
| Net margin | -12.7% | -32.4% | -108.6% | -4.0% | 3.6% | 8.1% | 4.3% | -20.2% |
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| Basic EPS [+] | ($0.89) | ($1.36) | ($2.10) | ($0.30) | $0.28 | $0.69 | $0.30 | ($1.49) |
| Growth | -34.7% | -34.9% | 596.7% | -208.7% | -59.8% | 126.7% | -120.4% | |
| Diluted EPS [+] | ($0.89) | ($1.36) | ($2.10) | ($0.30) | $0.27 | $0.69 | $0.30 | ($1.49) |
| Growth | -34.7% | -34.9% | 596.7% | -212.0% | -60.9% | 126.7% | -120.4% | |
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| Shares outstanding (basic) [+] | 76.8 | 76.7 | 68.0 | 69.5 | 69.2 | 61.5 | 58.5 | 57.1 |
| Growth | 0.2% | 12.7% | -2.1% | 0.4% | 12.5% | 5.0% | 2.5% | |
| Shares outstanding (diluted) [+] | 76.8 | 76.7 | 68.0 | 69.5 | 71.3 | 61.5 | 58.6 | 57.2 |
| Growth | 0.2% | 12.7% | -2.1% | -2.5% | 15.8% | 5.0% | 2.5% | |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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