| 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 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Revenues: |
| Puerto Rico | 481.7 | 473.6 | 418.2 | 392.6 | 358.4 | 329.5 | 326.1 | 322.5 |
| Business solutions | 235.3 | 243.8 | 235.0 | 216.7 | 197.6 | 189.1 | 184.3 | 179.5 |
| Payment Services - Puerto Rico & Caribbean | 178.5 | 155.4 | 124.8 | 125.5 | 114.1 | 101.7 | 99.7 | 99.3 |
| Merchant acquiring | 151.1 | 144.0 | 109.8 | 106.4 | 99.7 | 85.8 | 91.2 | 85.4 |
| Total revenues | 618.4 | 589.8 | 510.6 | 487.4 | 453.9 | 407.1 | 389.5 | 373.5 |
| Revenue growth [+] | 4.9% | 15.5% | 4.8% | 7.4% | 11.5% | 4.5% | 4.3% | -29.0% |
| Puerto Rico | 1.7% | 13.3% | 6.5% | 9.5% | 8.8% | 1.1% | 1.1% | 2.9% |
| Business solutions | -3.5% | 3.8% | 8.4% | 9.6% | 4.5% | 2.6% | 2.6% | 0.9% |
| Payment Services - Puerto Rico & Caribbean | 14.9% | 24.5% | -0.6% | 10.0% | 12.2% | 2.0% | 0.4% | |
| Merchant acquiring | 4.9% | 31.1% | 3.2% | 6.8% | 16.2% | -6.0% | 6.8% | 7.9% |
| Payment Services - Latin America | 21.0% | 25.2% | 0.2% | 4.4% | 29.0% | 33.0% | 25.7% | |
| Cost of goods sold | 2.4 | 2.6 | 4.3 | 5.1 | 3.4 | 2.9 | 2.2 | 167.9 |
| Gross profit | 616.0 | 587.2 | 506.3 | 482.3 | 450.4 | 404.2 | 387.3 | 205.6 |
| Gross margin | 99.6% | 99.6% | 99.2% | 99.0% | 99.2% | 99.3% | 99.4% | 55.0% |
| Selling, general and administrative | 89.8 | 68.0 | 70.8 | 61.4 | 68.7 | 56.2 | 47.0 | 37.3 |
| Equity in earnings | 3.0 | 1.7 | 1.1 | 0.9 | 0.7 | 0.6 | -0.1 | 0.1 |
| Other operating expenses | 290.2 | 247.6 | 222.6 | 208.3 | 193.5 | 197.7 | 173.6 | |
| EBITDA [+] | 239.0 | 273.3 | 214.0 | 213.5 | 188.9 | 150.9 | 166.7 | 168.5 |
| EBITDA growth | -12.6% | 27.7% | 0.2% | 13.0% | 25.1% | -9.4% | -1.1% | 2.7% |
| EBITDA margin | 38.6% | 46.3% | 41.9% | 43.8% | 41.6% | 37.1% | 42.8% | 45.1% |
| Depreciation and amortization | 78.6 | 75.1 | 71.5 | 68.1 | 63.1 | 64.3 | 59.6 | 65.0 |
| EBIT [+] | 160.4 | 198.2 | 142.5 | 145.4 | 125.8 | 86.7 | 107.1 | 103.5 |
| EBIT growth | -19.1% | 39.1% | -2.0% | 15.6% | 45.1% | -19.1% | 3.5% | 5.5% |
| EBIT margin | 25.9% | 33.6% | 27.9% | 29.8% | 27.7% | 21.3% | 27.5% | 27.7% |
| Interest expense, net [+] | 21.7 | 20.9 | 23.6 | 27.6 | 29.3 | 29.1 | 24.2 | 23.8 |
| Interest expense | 24.8 | 22.8 | 25.1 | 28.8 | 30.0 | 29.9 | 24.6 | 24.3 |
| Interest income | 3.1 | 1.9 | 1.5 | 1.2 | 0.8 | 0.7 | 0.4 | 0.5 |
| Other income (expense), net [+] | 129.1 | 4.4 | 4.9 | -1.2 | 2.6 | 2.7 | 0.5 | 2.3 |
| Other | 1.1 | 2.5 | 2.0 | -1.2 | 2.6 | 2.7 | 0.5 | 2.3 |
| Pre-tax income | 267.9 | 181.7 | 123.9 | 116.7 | 99.2 | 60.2 | 83.4 | 82.0 |
| Income taxes | 29.0 | 20.6 | 19.0 | 13.0 | 12.6 | 4.8 | 8.3 | -3.3 |
| Tax rate | 10.8% | 11.3% | 15.3% | 11.1% | 12.7% | 7.9% | 9.9% | |
| Minority interest | -0.1 | 0.0 | 0.4 | 0.2 | 0.3 | 0.4 | 0.1 | |
| Net income | 239.0 | 161.1 | 104.4 | 103.5 | 86.3 | 55.1 | 75.0 | 85.4 |
| Net margin | 38.6% | 27.3% | 20.5% | 21.2% | 19.0% | 13.5% | 19.3% | 22.9% |
| |
| Basic EPS [+] | $3.48 | $2.24 | $1.45 | $1.44 | $1.19 | $0.76 | $1.01 | $1.11 |
| Growth | 55.6% | 54.1% | 1.2% | 20.8% | 56.4% | -25.0% | -8.6% | 31.2% |
| Diluted EPS [+] | $3.45 | $2.21 | $1.43 | $1.41 | $1.16 | $0.76 | $1.01 | $1.11 |
| Growth | 55.9% | 54.7% | 1.5% | 21.5% | 53.4% | -25.0% | -8.9% | 31.9% |
| |
| Dividends per share [+] | $0.20 | $0.20 | $0.20 | $0.20 | $0.10 | $0.30 | $0.40 | $0.40 |
| Growth | 0.0% | 0.0% | 0.0% | 100.0% | -66.7% | -25.0% | 0.0% | 0.0% |
| |
| Shares outstanding (basic) [+] | 68.7 | 72.1 | 71.9 | 72.1 | 72.6 | 72.5 | 74.1 | 77.1 |
| Growth | -4.7% | 0.2% | -0.2% | -0.7% | 0.2% | -2.2% | -3.8% | -1.6% |
| Shares outstanding (diluted) [+] | 69.3 | 72.9 | 73.1 | 73.5 | 74.4 | 72.9 | 74.5 | 77.2 |
| Growth | -4.9% | -0.2% | -0.6% | -1.3% | 2.1% | -2.2% | -3.5% | -2.2% |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |