As Tim noted, North America was impacted by several factors beyond our control. Disruption in one of ReadyCode's key digital payment partners coupled with shifts in government policy have affected certain consumer segments. As Tim mentioned, we've seen a decrease in dynamic currency conversion transactions as fewer people are traveling to the United States and also lower utilization of prepaid payment cards given certain government policies.

Aug 7, 2025 / receipt, needs a key / Andy, CFO | earnings call 2025-08-07 | transcript 58ab516c-51d5-4bd5-bc2d-c2a818b6f249 | chars 21522-21967 | segment 21

The last conversation we had about the deployment of free cash flow, they made very clear to me, and I concur with them, that the reduction of debt and getting it under three times levered is the absolute right thing to do. When we get to that point, I think, or let's say on our way to that point, on our way to being three times or less levered, every dollar we deliver with, I think, is good for both our equity and our debt holders. returning cash to shareholders. That would be the midpoint of next year. And if you ask me currently, the best way to return cash to shareholders, it's a no-brainer. We're undervalued. We'd buy our shares back.

Nov 13, 2024 / receipt, needs a key / Tim Oliver, CEO | earnings call 2024-11-13 | transcript f23315a0-e8bb-437f-bbee-8e9d43bf101b | chars 27368-28015 | segment 27

Adjusted SG&A as a percentage of revenue (Non-GAAP) 9.5 % 9.1 % 10.0 % 10.0 % 38 Table of Contents Reconciliation of Cash provided by operating activities (GAAP) to Adjusted Free Cash Flow-Unrestricted (non-GAAP) Six months ended June 30, In millions 2026 2025 Net cash provided by operating activities (GAAP) $ 21 $ 98 Capital expenditures (53) (50) Additions to capitalized software (21) (26) Change

filing / Aug 5, 2026 / receipt

Reconciliation of Selling, General and Administrative Expenses (“SG&A”) as a Percentage of Revenue (GAAP) to Adjusted SG&A as a Percentage of Revenue (Non-GAAP)

filing / Aug 5, 2026 / receipt

The increases were primarily due to higher severance costs and professional fees incurred in connection with our workforce optimization and other strategic initiatives.

filing / Aug 5, 2026 / receipt

-related costs, including costs related to the Brink’s transaction; plus pension mark-to-market adjustments and other one-time pension-related costs; plus separation-related costs; plus transformation and restructuring charges (which includes integration, severance, divestiture and other exit and disposal costs); plus stock-based compensation expense; plus Voyix legal and environmental indemnification expense; plus o

filing / Aug 5, 2026 / receipt

SG&A as a percentage of revenue (GAAP) 12.5 % 12.5 % Plus: Amortization of acquisition-related intangibles (0.3) % (0.3) % Stock-based compensation expense (0.6) % (0.8) % Separation costs - % (0.2) % Acquisition-related transaction costs (0.2) % - % Transformation and restructuring (0.7) % (0.1) % Voyix indemnification expense (0.2) % - % Adjusted SG&A as a percentage of revenue (Non-GAAP) 10.5 % 11.

filing / May 7, 2026 / receipt

Adjusted SG&A as a percentage of revenue (Non-GAAP) 10.5 % 11.1 % 34 Table of Contents Reconciliation of Cash provided by operating activities (GAAP) to Adjusted Free Cash Flow-Unrestricted (non-GAAP) Three months ended March 31, In millions 2026 2025 Net cash (used in) provided by operating activities (GAAP) $ (9) $ 123 Capital expenditures (27) (29) Additions to capitalized software (10) (12) Chan

filing / May 7, 2026 / receipt

The increase was primarily due to higher severance costs and professional fees incurred in connection with our workforce optimization and other strategic initiatives.

filing / May 7, 2026 / receipt

-related costs, including costs related to the Brink’s transaction; plus pension mark-to-market adjustments and other one-time pension-related costs; plus separation-related costs; plus transformation and restructuring charges (which includes integration, severance, divestiture and other exit and disposal costs); plus stock-based compensation expense; plus Voyix legal and environmental indemnification expense; plus o

filing / May 7, 2026 / receipt

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company_statement / Sep 2, 2026 / receipt

Customer Engineer II - San Juan | {"ats": "workday", "city": null, "state": null, "job_id": "/job/ARGENTINA-VIRTUAL-ARG/Customer-Engineer-II---Buenos-Aires_R1153367", "remote": true, "category": "othe

company_statement / receipt

Customer Engineer II - Parana (Entre Rios) | {"ats": "workday", "city": null, "state": null, "job_id": "/job/ARGENTINA-VIRTUAL-ARG/Customer-Engineer-II---Parana--Entre-Rios-_R1153439", "remote": true,

company_statement / receipt

Customer Engineer II - Santiago | {"ats": "workday", "city": null, "state": null, "job_id": "/job/CHILE-VIRTUAL-CHL/Customer-Engineer-II---Santiago_R1154022", "remote": true, "category": "other", "fun

company_statement / receipt