Condensed Consolidated Statements of Operations - USD ($) shares in Millions, $ in Millions |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2026 |
Sep. 30, 2025 |
Sep. 30, 2026 |
Sep. 30, 2025 |
|
| Revenues | ||||
| Total revenues | $ 780.1 | $ 691.8 | $ 2,207.5 | $ 1,987.9 |
| Cost of services | ||||
| Processing costs | 167.8 | 163.1 | 493.7 | 491.9 |
| Service fees | 22.1 | 22.6 | 70.1 | 71.5 |
| Provision for credit losses | 23.2 | 20.4 | 85.5 | 57.9 |
| Operating interest | 33.2 | 29.2 | 89.5 | 82.0 |
| Depreciation and amortization | 41.1 | 39.0 | 118.3 | 113.7 |
| Total cost of services | 287.4 | 274.3 | 857.2 | 817.0 |
| General and administrative | 100.7 | 92.0 | 292.4 | 251.9 |
| Sales and marketing | 109.3 | 97.3 | 326.5 | 285.9 |
| Depreciation and amortization | 43.9 | 44.7 | 131.2 | 135.5 |
| Operating income | 238.8 | 183.6 | 600.1 | 497.6 |
| Financing interest expense, net of financial instruments | (53.2) | (63.8) | (159.0) | (181.8) |
| Change in fair value of contingent consideration | 0.0 | (0.7) | (0.7) | (2.3) |
| Net foreign currency (loss) gain | (0.1) | (2.6) | 4.0 | (3.3) |
| Income before income taxes | 185.5 | 116.4 | 444.5 | 310.2 |
| Income tax expense | 51.4 | 36.2 | 124.1 | 90.3 |
| Net income attributable to shareholders | $ 134.1 | $ 80.3 | $ 320.3 | $ 219.8 |
| Net income attributable to shareholders per share: | ||||
| Basic (in dollars per share) | $ 3.95 | $ 2.34 | $ 9.32 | $ 6.13 |
| Diluted (in dollars per share) | $ 3.88 | $ 2.30 | $ 9.20 | $ 6.07 |
| Weighted average common shares outstanding: | ||||
| Basic (in shares) | 33.9 | 34.4 | 34.4 | 35.8 |
| Diluted (in shares) | 34.6 | 34.8 | 34.8 | 36.2 |
| Payment processing revenue | ||||
| Revenues | ||||
| Total revenues | $ 344.8 | $ 301.7 | $ 973.4 | $ 858.8 |
| Account servicing revenue | ||||
| Revenues | ||||
| Total revenues | 186.7 | 185.3 | 547.0 | 542.3 |
| Finance fee revenue | ||||
| Revenues | ||||
| Total revenues | 115.9 | 83.2 | 297.9 | 239.3 |
| Other revenue | ||||
| Revenues | ||||
| Total revenues | $ 132.7 | $ 121.5 | $ 389.1 | $ 347.6 |
| X | ||||||||||
- Definition Amount of increase (decrease) in value of liability in contingent consideration arrangement in business combination, including, but not limited to, difference arising upon settlement. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of expense for allocation of cost of tangible and intangible assets over their useful lives directly used in production of good and rendering of service. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition The aggregate cost of goods produced and sold and services rendered during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition The aggregate direct operating costs incurred during the reporting period. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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- Definition The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount, before tax, of realized and unrealized gain (loss) from foreign currency transaction. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The aggregate total of expenses of managing and administering the affairs of an entity, including affiliates of the reporting entity, which are not directly or indirectly associated with the manufacture, sale or creation of a product or product line. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The portion of profit or loss for the period, net of income taxes, which is attributable to the parent. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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- Definition The net result for the period of deducting operating expenses from operating revenues. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of expense related to credit loss from transactions other than loan and lease transactions. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss). Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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- Definition The aggregate total amount of expenses directly related to the marketing or selling of products or services. No definition available.
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- Definition The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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- Definition Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Financing Interest Expense, Net Of Financial Instruments No definition available.
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- Definition Interest Expense, Operating, Cost Of Revenue No definition available.
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- Definition Service Fees No definition available.
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