| Fiscal period | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|
| Period End Date | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 |
|---|
| Revenues | -- | -- | -- | -- | -- | -- | -- | -- | -- | 854.64 |
| Payment processing revenue | 1,200.50 | 1,213.70 | 1,155.91 | 858.99 | 698.89 | 825.59 | 723.99 | 569.17 | 520.62 | -- |
| Transaction processing revenue | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Account servicing revenue | 690.60 | 646.40 | 569.28 | 526.86 | 449.46 | 413.55 | 308.10 | 276.57 | 211.01 | -- |
| Finance fees | 298.20 | 314.20 | 360.47 | 255.32 | 198.52 | 247.32 | 208.63 | 187.58 | 138.94 | -- |
| Hardware and equipment sales | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenues : Fleet payment solutions | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenues : Other payment solutions | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Other revenue | 438.90 | 373.70 | 264.85 | 209.37 | 213.00 | 237.23 | 251.93 | 217.23 | 147.89 | -- |
| Total Revenues | 2,628.10 | 2,548.00 | 2,350.51 | 1,850.54 | 1,559.87 | 1,723.69 | 1,492.64 | 1,250.55 | 1,018.46 | 854.64 |
| Service fees | 83.70 | 73.30 | 65.19 | 52.80 | 47.29 | 57.03 | 53.66 | 149.14 | 173.05 | 138.84 |
| Provision for credit losses | 68.20 | 89.80 | 179.90 | 45.11 | 78.44 | 65.66 | 66.48 | 61.15 | 33.35 | 22.83 |
| Technology leasing and support | -- | -- | -- | -- | -- | -- | -- | 52.18 | 47.60 | 41.32 |
| Occupancy and equipment | -- | -- | -- | -- | -- | -- | -- | 27.73 | 25.82 | 20.62 |
| Operating interest | 104.10 | 84.20 | 20.58 | 9.16 | 23.81 | 41.92 | 38.41 | -- | -- | -- |
| Cost of hardware and equipment sold | -- | -- | -- | -- | -- | -- | -- | 4.31 | -- | -- |
| Processing costs | 647.70 | 621.60 | 558.91 | 482.87 | 419.04 | 400.44 | 309.45 | -- | -- | -- |
| Depreciation and amortization - Cost | 134.00 | 104.40 | 105.87 | 112.16 | 104.59 | 94.73 | 79.94 | -- | -- | -- |
| Depreciation and amortization | 187.30 | 171.80 | 158.00 | 160.48 | 157.33 | 142.40 | 119.87 | 203.72 | 141.65 | 83.08 |
| Operating interest expense | -- | -- | -- | -- | -- | -- | -- | 24.48 | 12.39 | -- |
| Salary and other personnel expenses | -- | -- | -- | -- | -- | -- | -- | 363.44 | 286.30 | 234.56 |
| General and Administrative | 375.80 | 428.00 | 343.90 | 326.88 | 292.11 | 275.81 | 209.32 | -- | -- | -- |
| Communications | -- | -- | -- | -- | -- | -- | -- | -- | 12.15 | 10.42 |
| Postage and shipping | -- | -- | -- | -- | -- | -- | -- | -- | 6.65 | 6.46 |
| Advertising | -- | -- | -- | -- | -- | -- | -- | -- | 14.86 | 12.89 |
| Sales and marketing | 341.00 | 327.80 | 311.83 | 319.08 | 266.68 | 259.87 | 229.23 | -- | 5.60 | 4.52 |
| Restructuring | -- | -- | -- | -- | -- | -- | -- | 7.14 | 7.49 | 9.01 |
| Other expenses | -- | -- | -- | -- | -- | -- | -- | (94.77) | (56.43) | (36.89) |
| Impairment charge | 0.00 | 0.00 | (136.49) | 0.00 | (53.38) | 0.00 | (5.65) | (44.17) | -- | -- |
| Operating interest income | -- | -- | -- | -- | -- | -- | -- | -- | -- | (5.63) |
| Legal settlement | -- | -- | 0.00 | 0.00 | (162.50) | -- | -- | -- | -- | -- |
| Gain on divestiture | -- | -- | -- | -- | -- | 0.00 | -- | 20.96 | -- | -- |
| Gain on Sale of Subsidiary | -- | -- | 0.00 | 0.00 | (46.36) | -- | -- | -- | -- | 1.22 |
| Total Operating Expenses | 1,037.80 | 973.30 | 930.45 | 702.11 | 673.18 | -- | -- | 1,011.28 | 823.33 | 625.84 |
| Operating Income (Loss) | 686.30 | 647.10 | 469.84 | 342.00 | (91.67) | 385.84 | 380.64 | 239.27 | 195.13 | 228.79 |
| Financing interest expense | 235.90 | 204.60 | 130.69 | 128.42 | 157.08 | 134.68 | 105.02 | 107.07 | 113.42 | 46.19 |
| Net realized and unrealized losses on derivative instruments | -- | -- | -- | -- | -- | -- | -- | 0.00 | 0.71 | 5.85 |
| Gain on settlement of portion of amounts due under tax receivable agreement | -- | -- | -- | -- | -- | -- | -- | 15.26 | (0.56) | -- |
| Decrease in amount due to Avis under tax receivable agreement | -- | -- | -- | -- | 0.49 | 0.93 | (0.78) | -- | -- | 2.15 |
| Income (Loss) on extinguishment of debt | 0.00 | (70.10) | -- | -- | -- | -- | -- | -- | -- | -- |
| Gain (loss) on foreign currency transactions | (26.10) | 4.90 | (22.70) | (12.34) | (25.78) | (0.93) | (38.80) | 29.92 | (7.67) | (5.69) |
| Decrease in tax refund due to former shareholders of RD Card Holdings Australia | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Change in fair value of contingent consideration | (6.50) | (8.50) | (139.09) | (40.10) | -- | -- | -- | -- | -- | -- |
| Other income | -- | 0.00 | 0.00 | 3.62 | -- | -- | -- | -- | -- | -- |
| Net unrealized gains on interest rate swap agreements | -- | -- | 83.18 | 39.19 | (27.04) | (34.65) | 2.58 | 1.31 | 12.91 | -- |
| Income before income taxes | 417.80 | 368.80 | 260.55 | 203.95 | (301.08) | 216.52 | 238.62 | 178.70 | 87.10 | 184.91 |
| Current- Foreign | 32.40 | 33.20 | 14.03 | 10.82 | 13.78 | 16.32 | 17.92 | 14.47 | 8.33 | 9.17 |
| Current: Federal | 48.20 | 77.00 | 115.29 | 37.00 | (7.55) | 20.75 | 16.03 | 2.25 | (1.23) | 22.57 |
| Provision for income taxes | 108.20 | 102.20 | 93.09 | 67.81 | (20.60) | 61.22 | 68.84 | 19.53 | 29.63 | 75.30 |
| Deferred: Federal | 14.10 | (16.70) | (44.59) | (7.37) | (22.57) | 19.95 | 29.52 | (11.23) | 21.57 | 37.55 |
| Deferred: Foreign | (5.00) | (4.60) | (6.39) | 13.80 | (1.83) | (4.11) | (6.20) | (2.93) | 3.04 | (3.92) |
| Current: State and local | -- | -- | -- | -- | -- | -- | -- | -- | -- | 4.29 |
| Deferred: State and Local | -- | -- | -- | -- | -- | -- | -- | -- | -- | 5.63 |
| Net income before noncontrolling interest | 309.60 | 266.60 | 167.46 | 136.14 | (280.48) | 155.29 | 169.78 | 159.17 | 57.48 | 109.61 |
| Accretion of non-controlling interest | -- | -- | (34.25) | 135.16 | (40.31) | 57.32 | -- | 0.00 | 0.00 | 9.41 |
| Less: Net earnings from noncontrolling interest | -- | -- | 0.27 | 0.85 | 3.47 | (1.03) | 1.48 | (1.10) | (3.16) | (1.71) |
| Net Income (loss) Available to Common Shareholders | 309.60 | 266.60 | 201.44 | 0.14 | (243.64) | 99.01 | 168.30 | 160.27 | 60.64 | 101.90 |
| Net Earnings Per Share (Basic) | 7.59 | 6.23 | 4.54 | 0.00 | (5.56) | 2.29 | 3.90 | 3.73 | 1.49 | 2.63 |
| Net Earnings Per Share (Diluted) | 7.50 | 6.16 | 4.50 | 0.00 | (5.56) | 2.26 | 3.86 | 3.72 | 1.48 | 2.62 |
| Weighted Average Shares Outstanding (Basic) | 40.80 | 42.80 | 44.40 | 44.72 | 43.84 | 43.32 | 43.16 | 42.98 | 40.81 | 38.77 |
| Weighted Average Shares Outstanding (Diluted) | 41.30 | 43.30 | 44.72 | 45.31 | 43.84 | 43.77 | 43.57 | 43.11 | 40.91 | 38.84 |