Our outlook assumes a stable macro environment with a continuation of similar spending trends that we observed in the first quarter, and that travel begins to normalize by the end of the second quarter.

May 6, 2026 / receipt, needs a key / Josh, CFO | earnings call 2026-05-06 | transcript 57568a85-bcbc-40c5-b3ac-fb67c661ea2f | chars 26959-27161 | segment 27

This overall strength in spending volumes was somewhat offset by impacts from the Middle East conflict on our travel portfolio and some softness in our link to gov tax payments business.

May 6, 2026 / receipt, needs a key / Josh, CFO | earnings call 2026-05-06 | transcript 57568a85-bcbc-40c5-b3ac-fb67c661ea2f | chars 23129-23315 | segment 23

And then, of course, our initiatives around sales effectiveness. The incremental sales force professionals we're looking to hire and bring to bear on the market. um their ability to be productive more quickly and obviously drive a level of productivity productivity excuse me that's superior than what we've been able to see historically under our old sort of plans i think gives us a lot of optimism around the direction of travels relates to organic growth heading into 2026.

Nov 4, 2025 / receipt, needs a key / Cameron, CEO | earnings call 2025-11-04 | transcript 4edd420b-7f66-4695-af5c-dcac84754eb7 | chars 57161-57638 | segment 57

I mean, it's kind of across the board from a commercial perspective, certainly T&E, which you see in our commercial card volumes in our issuer business, but also we called out a little bit even in our B2B business, you know, we're seeing a little bit of just reduced flows, you know, we make money on both software and flows, and we're seeing a little bit of reduced flows just around spend overall from a business perspective.

Oct 30, 2024 / receipt, needs a key / Cameron, CEO | earnings call 2024-10-30 | transcript 42c01f32-3c24-45d4-abac-3263f59f7297 | chars 53592-54019 | segment 54

We also reached a contract agreement with a leading global travel technology company who selected us as its issuer solutions partner for its platform across the UK and EU after an extensive RFP. Once live, this will be our first FinTech customer operating in our AWS cloud environment in Europe.

May 1, 2024 / receipt, needs a key / Cameron Brady, CEO | earnings call 2024-05-01 | transcript 0890ad4f-9073-4bfa-96b8-d40e5b57ed2b | chars 12804-13099 | segment 12

Transaction growth remained strong throughout the quarter, led by our commercial business, highlighting ongoing improvements in cross-border corporate travel.

Oct 31, 2023 / receipt, needs a key / Cameron Brady, CEO | earnings call 2023-10-31 | transcript 3c99c549-c673-4776-a193-c8e7a3676a85 | chars 13569-13727 | segment 13

Look, I think the biggest strength we have in our portfolio is diversity of vertical market exposure. So I think that has benefited us pretty meaningfully as we think about our position from a volume perspective and why we've seen sort of the strength and performance that we've seen for the business overall. That's the first point I would make. The second point is we did decel a little bit relative to Q1, not dramatic and probably not as much as we saw with the networks and others. And I think part of the reason for that is we're not that exposed to travel. So I think the travel comps are difficult comps. And I think having to grow over those for others has been a bit of a headwind.

Aug 1, 2023 / receipt, needs a key / Cameron, CEO | earnings call 2023-08-01 | transcript d5c05ff8-da2a-4cf8-9390-44c7b2b831e4 | chars 42606-43297 | segment 41

Our commercial card business continued to perform well, with transactions growing 20% in the fourth quarter as cross-border and domestic corporate travel continued its recovery trajectory.

Feb 10, 2023 / receipt, needs a key / Jeff Sloan, CEO | earnings call 2023-02-10 | transcript fb8e9e2e-d506-43ce-90e9-3d85d27bc27c | chars 8947-9135 | segment 8

We are pleased to announce that we have reached an LOI with a leading global travel technology company who chose TSYS as its issuer solutions partner for its platform across the UK and EU after an extensive RFP process.

Oct 31, 2022 / receipt, needs a key / Jeff Sloan, CEO | earnings call 2022-10-31 | transcript 44924506-0424-4fdc-92ff-beb05909cbfe | chars 4890-5109 | segment 4

So I'm, again, pleased with the overall performance, notwithstanding the fact that we're still seeing COVID-related impacts in Asia Pacific. Obviously, the greater China markets continue to struggle with periodic lockdowns and travel restrictions, et cetera, as it relates to their desire to have sort of a zero COVID policy.

Oct 31, 2022 / receipt, needs a key / Cameron, other | earnings call 2022-10-31 | transcript 44924506-0424-4fdc-92ff-beb05909cbfe | chars 24860-25185 | segment 24

Traditional accounts on file increased by $14 million sequentially this quarter, driven by account growth with existing customers, as our strategy of aligning with market share winners continues to pay dividends. and transaction volumes grew double digits in Q3, led by commercial card transactions, which increased 25%, highlighting ongoing recovery trends in cross-border corporate travel and the strength of our long-lasting partnerships.

Oct 31, 2022 / receipt, needs a key / Jeff Sloan, CEO | earnings call 2022-10-31 | transcript 44924506-0424-4fdc-92ff-beb05909cbfe | chars 5535-5976 | segment 5

As we've talked about many, many times, we don't really participate widely in travel and entertainment.

Oct 31, 2022 / receipt, needs a key / Cameron, other | earnings call 2022-10-31 | transcript 44924506-0424-4fdc-92ff-beb05909cbfe | chars 23150-23253 | segment 23

~150bps normalized adj. operating margin expansion

ir_statement / Sep 16, 2026 / receipt

>$2B of capital returned to shareholders

ir_statement / Sep 16, 2026 / receipt

Exited more than 20% of transition services agreements

ir_statement / Sep 16, 2026 / receipt

Well positioned to accelerate integration execution, unlock further synergies, and strengthen our competitive position

ir_statement / Sep 16, 2026 / receipt

Continue deployment of enterprise-grade solutions for SMBs

ir_statement / Sep 16, 2026 / receipt

Expanded rollout of new countertop device

ir_statement / Sep 16, 2026 / receipt

Expanding across geographies, distribution channels, verticals and form factors

ir_statement / Sep 16, 2026 / receipt

Kick off the Genius Road Trip in the U.S.

ir_statement / Sep 16, 2026 / receipt

Expanding international reach to U.K. and Australia

ir_statement / Sep 16, 2026 / receipt

Declining into 2027 as Transformation concludes and Worldpay Integration progresses

ir_statement / Sep 15, 2026 / receipt

Consolidated technology standards

ir_statement / Sep 15, 2026 / receipt

Developed executable plans to capture revenue & expense synergies

ir_statement / Sep 15, 2026 / receipt