格隆汇7月31日｜万事达2025年Q2营收81亿美元，去年同期70亿美元。 ...

万事达(MA.N)2025年Q2营收81亿美元，去年同期70亿美元。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確 性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或 因倚賴該等內容而引致之任何損失承擔任何責任。 WellCell Holdings Co., Limited （於開曼群島註冊成立的有限公司） 經緯天地控股有限公司 （股份代號：2477） 有關 業務更新自願公告 的補充公告 茲提述經緯天地控股有限公司（「本公司」）日期為2025年7月21日的公告（「該公告」），內容有關 推出本公司自主開發的全球穩定幣貨幣支付平台之業務更新自願公告。除另有所指外，本公 告所用詞彙與該公告所界定者具有相同涵義。 經緯天地新世紀已與主要託管人和卡片發行合作夥伴簽訂服務合約，分別為用戶提供資 產託管和預付卡發行服務，主要託管人已與分託管人簽訂服務合約，為用戶的數字資產 提供分託管安排。 主要託管人和分託管人各自擁有由香港公司註冊處發出的香港信託及公司服務提供者牌 照，為用戶提供託管及分託管服務。而卡片發行合作夥伴持有香港海關發出的金錢服務 經營者牌照，可向用戶提供預付卡發行及貨幣服務。 據董事作出一切合理查詢後所深知、全悉 ...

Group 1: Financial Performance - VISA achieved net revenue of $10.2 billion in Q3 FY25, a year-on-year increase of 14%, exceeding expectations[2] - Earnings per share (EPS) increased by 23% year-on-year, also surpassing company forecasts[2] - Service revenue grew by 9% year-on-year, outperforming the previous quarter's growth of 8%[2] Group 2: Revenue Composition - Data processing revenue rose by 15%, with transaction processing volume increasing by 10%[2] - International transaction revenue increased by 14%, higher than the 11% growth in cross-border transaction volume[2] - Other revenue saw a significant increase of 32%, driven by consulting and value-added services[2] Group 3: Strategic Developments - VISA's stablecoin strategy supports four stablecoins and facilitates settlements with 25 fiat currencies, enhancing its platform capabilities[4] - The company emphasizes the unique advantages of stablecoins in emerging markets and cross-border fund transfers[4] - Management expects "high single digits to low double digits" growth in adjusted net revenue for Q4 FY25[5] Group 4: Market Trends - The consumer payment sector maintained steady expansion, with payment vouchers increasing by 7% year-on-year[3] - The global penetration rate of contactless payments reached 78%, with major U.S. cities achieving rates as high as 85%[3]

Core Insights - Evertec reported revenue of $229.61 million for the quarter ended June 2025, reflecting an 8.3% increase year-over-year and a surprise of +3.48% over the Zacks Consensus Estimate of $221.88 million [1] - The company's EPS for the quarter was $0.89, up from $0.83 in the same quarter last year, with an EPS surprise of +3.49% compared to the consensus estimate of $0.86 [1] Revenue Breakdown - Payment Services - Puerto Rico & Caribbean generated $56.42 million, exceeding the three-analyst average estimate of $55.39 million, with a year-over-year change of +4.1% [4] - Payment Services - Latin America reported revenues of $86.06 million, surpassing the average estimate of $80.78 million, marking a year-over-year increase of +15.3% [4] - Corporate and Other revenues were reported at -$24.68 million, slightly better than the average estimate of -$25.32 million, with a year-over-year change of +0.6% [4] - Business Solutions revenues reached $64.52 million, compared to the average estimate of $63.29 million, reflecting a +3.5% year-over-year change [4] - Merchant Acquiring, net revenues were $47.29 million, slightly below the average estimate of $47.57 million, with a year-over-year increase of +4.4% [4] Stock Performance - Over the past month, Evertec's shares have returned -9.3%, contrasting with the Zacks S&P 500 composite's +3.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Financial Data and Key Metrics Changes - Revenue for the second quarter was $230 million, an 8% increase over the prior year, while constant currency revenue was approximately $233 million, representing growth of 10% [5][11] - Adjusted EBITDA increased to $93 million, up approximately 8% year over year, with an adjusted EBITDA margin of 40.3% for the quarter [5][11] - Adjusted EPS of $0.89 was up 7% year over year, driven by strong adjusted EBITDA growth and lower interest expense [5][12] - Operating cash flow for the first half of the year was approximately $86 million, with liquidity remaining strong at approximately $485 million as of June 30 [5][6] Business Line Data and Key Metrics Changes - Merchant Acquiring revenue grew 4% year over year to $47.3 million, driven by improved spread and sales volume growth [13] - Payment Services Puerto Rico revenue was $56.4 million, an increase of approximately 4% from the prior year, primarily driven by ATH Mobile and POS transaction growth [14] - Latin America Payments and Solutions revenue increased 15% year over year or 20% on a constant currency basis, benefiting from organic growth and acquisitions [15] - Business Solutions segment revenue increased approximately 4% to $64.5 million, primarily due to projects completed in the prior year [17] Market Data and Key Metrics Changes - The unemployment rate in Puerto Rico remains stable at about 5.2%, and passenger traffic in San Juan Airport was up approximately 11% year over year [6] - In Latin America, the company experienced strong performance in Brazil and Chile, with continued organic growth and contributions from recent acquisitions [15][16] Company Strategy and Development Direction - The company plans to continue focusing on technology modernization, repricing initiatives, and margin optimization to drive growth [28][30] - A refresh of the share repurchase program was approved, allowing the company to repurchase up to $150 million of its common stock through December 31, 2026 [9] - The company expects to return cash to shareholders through dividends and share repurchases while investing in long-term growth opportunities [25] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to convert opportunities in the active pipeline into wins over the next quarters [8] - The outlook for the second half of the year is better than initially thought, with expectations of continued strong performance in Latin America [34] - The company anticipates revenue growth of 6.6% to 7.6% for the full year, with adjusted EPS expected to grow between 4.87% from the previous year [21][25] Other Important Information - The company’s net debt position at quarter end was $673.6 million, with a weighted average interest rate of approximately 6.55% [20] - The effective tax rate for the quarter was 7.1%, with expectations of a gradual improvement in overall margin [12][24] Q&A Session Summary Question: Update on strategic initiatives and their progress - Management highlighted that the entire segment grew double digits, with significant focus on technology modernization and repricing initiatives [28][30] Question: Outlook for the second half and macroeconomic impacts - Management indicated that the second half outlook is better, with conservatism included regarding potential tariff impacts [34][36] Question: Insights on the active pipeline and business opportunities - Management confirmed a very active organic pipeline and expressed optimism about upcoming announcements [40][42] Question: Performance of ATH Mobile and its growth drivers - Management noted that ATH Mobile's growth of 17% is driven by increased usage and network effects in Puerto Rico [44] Question: Competitive advantages in Latin America - Management emphasized proprietary technology, industry expertise, and a strong local presence as key competitive advantages [63][67]

Visa(V.US)盘前跌超2%，报344.05美元。消息面上，Visa第三财季营收同比增长14%达到创纪录的102亿 美元，调整后每股收益同比增长23%至2.98美元，均超市场预期。尽管第三财季业绩强劲，但Visa维持 今年业绩指引不变，预计每股收益将实现11%-13%(Low-teens)增长，净营收增幅将保持在低双位数百分 比区间。瑞穗证券分析师Dan Dolev在给客户的一份报告中表示，Visa未能上调全年业绩预期，这可能 是导致该公司股票下跌的原因。(格隆汇) ...

Core Insights - Visa reported strong financial results for the quarter, with significant growth in both revenue and earnings per share, indicating resilient consumer spending [3][4]. Financial Performance - Revenue for Q3 2024 was $8.9 billion, increasing to $10.2 billion in Q3 2025, representing a 14% growth and beating expectations [2]. - Adjusted earnings per share (EPS) rose from $2.42 to $2.98, marking a 23% increase and also surpassing expectations [2]. - Processed transactions grew from 59.3 million to 65.4 million, a 10% increase [2]. - Payment volumes increased from $3.3 billion to $3.6 billion, reflecting a 9% growth [2]. Consumer Behavior - CEO Ryan McInerney described consumer spending as "resilient," with both discretionary and nondiscretionary transactions showing strength [4]. - Cross-border volumes, excluding transactions within Europe, increased by 11%, indicating healthy consumer activity outside the U.S. [4]. Operating Expenses - GAAP operating expenses rose by 35% to $4 billion, primarily due to higher litigation provisions and personnel costs [5]. - Non-GAAP operating expenses, excluding special items, increased by 13% [5]. Share Repurchase - During the quarter, Visa repurchased 14 million shares for $4.8 billion, reducing its share count by over 10% in the past five years [5]. - As of June 30, Visa has $29.8 billion remaining for share repurchases [5]. Market Reaction - Despite strong quarterly results, Visa shares fell approximately 3% in after-market trading, reflecting a cautious investor sentiment [6]. Future Outlook - Visa anticipates high-single-digit to low-double-digit net revenue and operating expense growth for the final quarter of the fiscal year [7]. - Full-year revenue growth is expected to be in the low-double-digit range, with EPS growth projected in the low teens for the year and high single digits for the fourth quarter [7]. Industry Considerations - The company is closely monitoring macroeconomic conditions that could affect consumer spending, particularly credit trends [8]. - Visa is actively addressing potential disruptions from stablecoins and is focusing on innovation in areas like AI to maintain long-term value for shareholders [9].

Core Viewpoint - PayPal's stock price declined over 8.8% to $71.27 despite raising its 2025 earnings forecast, indicating the effectiveness of its brand upgrade strategy [2] Financial Performance - In Q2, PayPal reported an adjusted net profit of $1.37 billion, a 10% year-over-year increase [2] - The adjusted diluted earnings per share (EPS) reached $1.40, exceeding analyst expectations [2] Future Outlook - The company announced an increase in its 2025 adjusted EPS forecast to between $5.15 and $5.30, up from the previous range of $4.95 to $5.10 [2]

Core Insights - Visa's adjusted EPS for the third quarter was reported at $2.98, surpassing analyst expectations of $2.85 [1] Financial Performance - The adjusted EPS of $2.98 indicates a strong performance relative to market expectations, suggesting robust financial health for the company [1]