| In millions, except per share items | Jun-30-23 | Dec-31-22 | Sep-30-22 | Jun-30-22 | Mar-31-22 | Dec-31-21 | Sep-30-21 | Jun-30-21 |
| | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q |
| Revenues: |
| Interchange and card revenue | 1.8 | 5.0 | 5.3 | 5.3 | 6.6 | 6.5 | 6.5 | 6.8 |
| Account fees | 1.9 | 2.1 | 2.1 | 2.2 | 2.6 | 2.7 | 2.6 | 2.6 |
| Revenue recognized at a point in time | 11.6 | 14.3 | 18.7 | 21.8 | 23.9 | 24.2 | 21.7 | 21.3 |
| Servicing fees from partner bank | | | 10.2 | | 14.2 | | 11.8 | 10.6 |
| Total revenues | 13.0 | 15.7 | 19.9 | 23.0 | 25.0 | 25.3 | 22.8 | 22.4 |
| Revenue growth [+] | -43.6% | -37.9% | -13.1% | 2.7% | 3.5% | 49.4% | 24.6% | 45.2% |
| Interchange and card revenue | -66.1% | -23.1% | -18.4% | -21.3% | -19.4% | 12.7% | -11.5% | 11.3% |
| Account fees | -13.5% | -21.4% | -17.9% | -15.7% | -4.0% | -3.4% | -7.9% | -7.1% |
| Revenue recognized at a point in time | -46.7% | -40.9% | -14.1% | 2.4% | 3.3% | 52.4% | 25.7% | 47.9% |
| Servicing fees from partner bank | | | -14.0% | | 51.4% | | 103.4% | 110.6% |
| Other revenue | -73.2% | -75.9% | 102.5% | -33.4% | -97.9% | 628.6% | -55.8% | 802.4% |
| Cost of goods sold [+] | 6.1 | 9.4 | 10.9 | 10.8 | 9.8 | 10.9 | 9.3 | 9.9 |
| Labor costs | 6.1 | 9.3 | 10.8 | 10.4 | 9.5 | 10.8 | 9.1 | 9.6 |
| Occupancy costs | 0.0 | 0.1 | 0.2 | 0.4 | 0.3 | 0.1 | 0.2 | 0.4 |
| Gross profit | 6.8 | 6.3 | 8.9 | 12.2 | 15.3 | 14.4 | 13.5 | 12.5 |
| Gross margin | 52.7% | 40.0% | 44.9% | 53.0% | 60.9% | 57.0% | 59.2% | 55.7% |
| Selling, general and administrative [+] | 2.7 | 4.0 | 2.9 | 2.7 | 2.7 | 3.5 | 4.5 | 2.5 |
| Sales and marketing | 0.1 | 0.3 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 |
| General and administrative [+] | 2.6 | 3.7 | 2.7 | 2.6 | 2.6 | 3.4 | 4.3 | 2.4 |
| General and administrative expenses | 2.6 | 3.7 | 2.7 | 2.6 | 2.6 | 3.4 | 4.3 | 2.4 |
| Professional fees | 2.3 | 3.5 | 2.5 | 2.4 | 2.4 | 3.0 | 3.5 | 2.1 |
| Research and development | 6.4 | 7.2 | 7.7 | 7.3 | 6.9 | 7.4 | 5.1 | 8.4 |
| Other operating expenses | 2.6 | 2.6 | 2.6 | 2.5 | 2.4 | 2.5 | 1.7 | 1.9 |
| EBITDA [+] | | -7.4 | -4.1 | -0.2 | 3.4 | 1.1 | 2.4 | -0.2 |
| EBITDA growth | 2091.1% | -777.9% | -272.1% | 16.4% | 14.2% | -135.0% | 109.4% | -94.5% |
| EBITDA margin | -35.9% | -47.4% | -20.6% | -0.9% | 13.5% | 4.3% | 10.4% | -0.8% |
| Depreciation | | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| EBITA | -4.7 | -7.5 | -4.2 | -0.3 | 3.3 | 1.1 | 2.3 | -0.2 |
| EBITA margin | -35.9% | -47.7% | -21.0% | -1.2% | 13.3% | 4.2% | 10.3% | -0.9% |
| Amortization of intangibles | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| EBIT [+] | -4.8 | -7.6 | -4.3 | -0.4 | 3.3 | 1.0 | 2.2 | -0.3 |
| EBIT growth | 1195.4% | -881.1% | -290.3% | 18.7% | 15.2% | -129.6% | 127.9% | -91.6% |
| EBIT margin | -36.7% | -48.3% | -21.6% | -1.6% | 13.0% | 3.8% | 9.8% | -1.4% |
| Non-recurring items [+] | 0.3 | | | 0.0 | 0.3 | 0.1 | | |
| Restructuring charges | 0.3 | | | 0.0 | | | | |
| Interest expense | | | | | | | | 0.0 |
| Interest expense | | | | | | | | 0.0 |
| Other income (expense), net [+] | 0.6 | 1.2 | -1.4 | 5.6 | 2.6 | -0.8 | 6.0 | -3.1 |
| Change in fair value of warrants | 0.6 | 1.2 | -1.4 | 5.6 | 2.6 | -0.8 | 6.0 | -3.1 |
| Pre-tax income | -4.4 | -6.4 | -5.6 | 5.3 | 5.6 | 0.1 | 8.3 | -3.4 |
| Income taxes | 0.0 | -2.2 | -0.7 | 0.9 | 1.6 | 1.5 | 1.2 | 1.4 |
| Tax rate | | 34.8% | 12.9% | 17.2% | 29.3% | 1064.3% | 14.1% | |
| Net income | -4.5 | -4.2 | -4.9 | 4.4 | 4.0 | -1.4 | 7.1 | -4.8 |
| Net margin | -34.3% | -26.7% | -24.8% | 19.0% | 15.8% | -5.3% | 31.2% | -21.4% |
| |
| Basic EPS [+] | ($0.39) | ($0.35) | ($0.41) | $0.37 | $0.33 | ($0.11) | $0.60 | ($0.40) |
| Growth | -205.5% | 207.6% | -168.8% | -190.7% | -75.8% | -81.7% | 1366.2% | -40.2% |
| Diluted EPS [+] | ($0.39) | ($0.35) | ($0.41) | $0.35 | $0.32 | ($0.11) | $0.60 | ($0.40) |
| Growth | -211.3% | 209.9% | -168.9% | -186.0% | -69.9% | -81.8% | 1365.7% | -40.2% |
| |
| Growth | | | | | | -100.0% | -100.0% | |
| |
| Shares outstanding (basic) [+] | 11.6 | 11.9 | 11.9 | 11.9 | 12.0 | 11.9 | 11.9 | 11.9 |
| Growth | -3.2% | 0.8% | 0.3% | 0.4% | 2.2% | 93.5% | 94.3% | 94.3% |
| Shares outstanding (diluted) [+] | 11.6 | 11.9 | 11.9 | 12.6 | 12.6 | 11.9 | 11.9 | 11.9 |
| Growth | -8.2% | 0.0% | 0.3% | 5.9% | -18.0% | 95.0% | 94.4% | 94.3% |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |