Overview Financials News + Filings Key Docs Charts Transactions Ownership Insiders
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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 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Revenues: |
| Card Services | | | | | 4,597.6 | 4,170.6 | 3,675.0 | 2,974.4 |
| LoyaltyOne | | | | | 1,068.4 | 1,303.5 | 1,337.9 | 1,352.6 |
| Corporate / Other | | | | | 0.6 | 0.6 | 0.3 | 0.3 |
| Epsilon | | | | | | | 2,155.2 | 2,140.7 |
| Total revenues [+] | 2,232.0 | 2,728.0 | 2,209.0 | 3,081.0 | 960.1 | 5,474.7 | 7,138.1 | 6,439.7 |
| Services | | | | | 295.4 | 367.5 | 2,504.8 | 2,540.1 |
| Net interest income | 4,181.0 | 3,485.0 | 3,453.0 | 4,189.0 | 11.6 | | | |
| Revenue growth [+] | -18.2% | 23.5% | -28.3% | 220.9% | -82.5% | -23.3% | 10.8% | 21.4% |
| Card Services | | | | | 10.2% | 13.5% | 23.6% | 24.2% |
| LoyaltyOne | | | | | -18.0% | -2.6% | -1.1% | -3.9% |
| Corporate / Other | | | | | 0.0% | 100.0% | 0.0% | -40.0% |
| Epsilon | | | | | | | 0.7% | 40.6% |
| Cost of goods sold | 779.0 | 671.0 | 609.0 | 721.0 | 2,537.2 | 2,469.5 | 4,276.8 | 3,814.4 |
| Gross profit | 1,453.0 | 2,057.0 | 1,600.0 | 2,360.0 | -1,577.1 | 3,005.2 | 2,861.3 | 2,625.3 |
| Gross margin | 65.1% | 75.4% | 72.4% | 76.6% | -164.3% | 54.9% | 40.1% | 40.8% |
| Selling, general and administrative [+] | 454.0 | 376.0 | 334.0 | 392.0 | 162.5 | 159.3 | 143.2 | 138.5 |
| Sales and marketing | 180.0 | 160.0 | 143.0 | 205.0 | | | | |
| General and administrative | 274.0 | 216.0 | 191.0 | 187.0 | 162.5 | 159.3 | 143.2 | 138.5 |
| Other operating expenses | 113.0 | 92.0 | 106.0 | 96.0 | -3,690.5 | 1,140.1 | 940.5 | 732.8 |
| Adjusted EBITDA | 919.0 | 1,649.0 | 1,259.0 | 2,080.0 | 2,325.4 | 2,090.6 | 1,854.1 | 1,845.3 |
| Adjusted EBITDA margin | 41.2% | 60.4% | 57.0% | 67.5% | 242.2% | 38.2% | 26.0% | 28.7% |
| Stock-based compensation | 33.0 | 29.0 | 21.0 | 55.0 | 80.8 | 75.1 | 76.5 | 91.3 |
| EBITDA [+] | 886.0 | 1,620.0 | 1,238.0 | 2,025.0 | 2,244.6 | 2,015.5 | 1,777.6 | 1,754.0 |
| EBITDA growth | -45.3% | 30.9% | -38.9% | -9.8% | 11.4% | 13.4% | 1.3% | 15.6% |
| EBITDA margin | 39.7% | 59.4% | 56.0% | 65.7% | 233.8% | 36.8% | 24.9% | 27.2% |
| Depreciation | 87.0 | 94.0 | 150.0 | 201.0 | 374.4 | 383.4 | 202.6 | 180.8 |
| EBITA | 799.0 | 1,526.0 | 1,088.0 | 1,824.0 | 1,870.2 | 1,632.1 | 1,575.0 | 1,573.2 |
| EBITA margin | 35.8% | 55.9% | 49.3% | 59.2% | 194.8% | 29.8% | 22.1% | 24.4% |
| Amortization of intangibles | 26.0 | 29.0 | 34.0 | 48.0 | 112.9 | 114.2 | 309.5 | 311.4 |
| EBIT [+] | 773.0 | 1,497.0 | 1,054.0 | 1,776.0 | 1,757.3 | 1,517.9 | 1,265.5 | 1,261.8 |
| EBIT growth | -48.4% | 42.0% | -40.7% | 1.1% | 15.8% | 19.9% | 0.3% | 4.8% |
| EBIT margin | 34.6% | 54.9% | 47.7% | 57.6% | 183.0% | 27.7% | 17.7% | 19.6% |
| Interest expense | | | | | 385.9 | 281.7 | 210.3 | 179.5 |
| Interest expense | | | | | 385.9 | 281.7 | 210.3 | 179.5 |
| Other income (expense), net | -473.0 | -453.0 | -753.0 | -1,114.0 | -156.4 | -173.7 | -218.2 | -150.7 |
| Pre-tax income | 300.0 | 1,044.0 | 301.0 | 662.0 | 1,215.0 | 1,062.5 | 837.0 | 931.6 |
| Income taxes | 76.0 | 247.0 | 93.0 | 156.0 | 269.5 | 293.3 | 319.4 | 326.2 |
| Tax rate | 25.3% | 23.7% | 30.9% | 23.6% | 22.2% | 27.6% | 38.2% | 35.0% |
| Earnings from continuing ops | 224.0 | 797.0 | 208.0 | 506.0 | 945.5 | 769.2 | 515.8 | 596.5 |
| Earnings from discontinued ops | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | |
| Net income | 223.0 | 801.0 | 214.0 | 278.0 | 963.1 | 788.7 | 515.8 | 596.5 |
| Net margin | 10.0% | 29.4% | 9.7% | 9.0% | 100.3% | 14.4% | 7.2% | 9.3% |
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| Basic EPS [+] | $4.49 | $16.04 | $4.35 | $10.12 | $17.22 | $13.81 | $8.80 | $9.64 |
| Growth | -72.0% | 268.5% | -57.0% | -41.2% | 24.7% | 56.9% | -8.7% | 7.3% |
| Diluted EPS [+] | $4.48 | $15.94 | $4.34 | $9.94 | $17.16 | $13.76 | $8.76 | $9.57 |
| Growth | -71.9% | 267.1% | -56.3% | -42.1% | 24.7% | 57.1% | -8.5% | 18.0% |
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| Dividends per share [+] | $0.84 | $0.84 | $1.26 | $2.52 | $0.57 | $0.52 | $0.52 | |
| Growth | 0.0% | -33.3% | -50.0% | 342.1% | 9.6% | 0.0% | | |
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| Shares outstanding (basic) [+] | 49.9 | 49.7 | 47.8 | 50.0 | 54.9 | 55.7 | 58.6 | 61.9 |
| Growth | 0.4% | 4.0% | -4.4% | -8.9% | -1.4% | -4.9% | -5.3% | 9.8% |
| Shares outstanding (diluted) [+] | 50.0 | 50.0 | 47.9 | 50.9 | 55.1 | 55.9 | 58.9 | 62.3 |
| Growth | 0.0% | 4.4% | -5.9% | -7.6% | -1.4% | -5.1% | -5.5% | -0.2% |
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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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