Financial Data and Key Metrics Changes - Revenue less ancillary services for Q2 2025 was $127.5 million, representing a 25% FX neutral growth rate or 27.7% on a spot basis, exceeding guidance [32] - Adjusted gross profit increased to $78 million during the quarter, up 23% year over year, with an adjusted gross margin of 61.1% [34] - Adjusted EBITDA reached almost $17 million for the quarter, resulting in a 13% margin, expanding by 723 basis points year over year [35] Business Line Data and Key Metrics Changes - Transaction revenue saw an 18% year-over-year increase, with a 28% increase in transaction-related payment volume, driven by Certify [33] - Platform and other revenues increased by 84% year over year, primarily due to platform fees and contributions from Certify [34] - Certify contributed $12 million in Q2, adding approximately 12 points of growth [32] Market Data and Key Metrics Changes - Revenue from outside the US, Canada, Australia, and the UK is growing well above the company average, with significant traction in markets like Singapore and Spain [14] - In the EMEA region, major wins included partnerships with institutions such as Bocconi University and Universidad Autonoma de Guadalajara [15][20] - The travel segment is seeing strong early traction, with Certify's revenue growing above 35% year over year [26] Company Strategy and Development Direction - The company is focused on diversifying its revenue mix and expanding client relationships through high-value software contracts [7] - The evolution to launch student financial services as a broader SaaS education platform aims to provide greater revenue visibility and durability [7] - The company is committed to capturing all money flows using industry-tailored software solutions powered by AI [9] Management's Comments on Operating Environment and Future Outlook - Management noted that organizations are increasingly focused on efficiency and return on investment, which aligns with Flywire's offerings [5] - The company remains confident in the long-term value of international education despite current visa approval challenges [40] - Management anticipates a mid to high single-digit headwind to organic revenue growth due to visa declines in major markets [43] Other Important Information - The company repurchased approximately $5 million of its shares and expanded its revolving credit facility from $125 million to $300 million [39] - The company is investing in data infrastructure, AI, and automation to enhance productivity and scale [36] - Stock-based compensation expenses are expected to be in the 12% to 13% range for the year, with expectations to trend down as revenue grows [37] Q&A Session Summary Question: Insights on full-year guidance - Management indicated that the strong Q2 results were offset by expected U.S. weakness in the latter half of the year, maintaining a cautious outlook [49][50] Question: Growth profile over the next three to five years - Management expressed excitement about the diversified growth and the potential to double the business, emphasizing strong unit economics [58][60] Question: Trends in the UK business - Management highlighted strong performance in the UK, with significant opportunities for revenue growth through deeper integrations and new product offerings [82][84] Question: U.S. education growth outlook amidst visa challenges - Management noted that domestic growth is offsetting international softness, with strong demand for the student financial services product [92][95]

Partnership Overview - American Express is partnering with restaurant management software company Toast to enhance personalized dining experiences using Toast's technology along with the guestbook capabilities of Resy and Tock, both owned by American Express [2][3] - The collaboration aims to provide restaurants, wineries, cafes, and bars with greater visibility by integrating their listings from Resy and Tock into the Local by Toast app and those using Toast Tables [3] Strategic Goals - The partnership is designed to help restaurants deliver smarter service and foster meaningful connections with guests, ultimately driving loyalty and growth [3] - American Express's acquisition of Tock and Roaam, which provide reservation and mobile payment technologies, supports this initiative by enhancing the technological capabilities available to restaurant partners [4] Market Insights - Research indicates that while 83% of consumers are open to personalized offers, only 44% find them very relevant, highlighting a gap in the effectiveness of personalization strategies [5] - The evolution of AI systems is expected to improve personalization efforts by moving beyond basic segmentation to real-time learning and contextual awareness, addressing previous shortcomings in delivering tailored experiences [6][7]

In recent years, Paymentus has focused on continued technological innovation and enhancing its cloud-native platform. This includes advanced integration options and the use of artificial intelligence (AI) and machine learning (ML) for platform adaptability. Key success factors for its business include platform scalability, strong channel partnerships, network effects driven by expanding biller adoption, and delivering a consistent payment experience to clients across industries. Maintaining regulatory compl ...

Key Takeaways Shares of Euronet Worldwide, Inc. (EEFT) have lost 4.7% since it reported second-quarter 2025 results on July 31. The weaker-than-expected quarterly results were affected by a decline in intra-U.S. transactions and an increased expense level. However, rising transaction volumes, a strong global payment network, and growth in digital payments and cross-border transactions partially offset the negatives. Euronet reported second-quarter 2025 adjusted earnings per share of $2.56, which missed the ...

Shift4 Payments (FOUR) reported $413.4 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 29%. EPS of $1.10 for the same period compares to $0.96 a year ago. End-to-End Payment Volume: $50.1 billion compared to the $51.83 billion average estimate based on five analysts. Gross Revenue- Subscription and other revenues: $97.7 million versus $96.43 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +37.2% change. G ...

Core Viewpoint - Wex (WEX) shares have recently experienced a decline of 5.3% over the past week, but the formation of a hammer chart pattern suggests potential support and a possible trend reversal in the future [1][2]. Technical Analysis - The hammer chart pattern indicates a potential bottoming out, with selling pressure likely subsiding, which supports a bullish outlook for the stock [2][5]. - A hammer pattern typically forms during a downtrend, where the stock opens lower, makes a new low, but then closes near or above the opening price, indicating buying interest [4][5]. - The effectiveness of the hammer pattern is enhanced when used alongside other bullish indicators, as its strength is dependent on its placement on the chart [6]. Fundamental Analysis - Recent upward revisions in earnings estimates for WEX are a positive fundamental indicator, as trends in earnings estimate revisions correlate strongly with near-term stock price movements [7]. - Over the last 30 days, the consensus EPS estimate for WEX has increased by 3.4%, indicating that analysts expect better earnings than previously predicted [8]. - WEX holds a Zacks Rank of 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks, which typically outperform the market [9][10].

NEXT STEPS FOR SHAREHOLDERS: Once you register as a shareholder who purchased shares of FLYW during the timeframe listed above, you will be enrolled in a portfolio monitoring software to provide you with status updates throughout the lifecycle of the case. The deadline to seek to be a lead plaintiff is September 23, 2025. There is no cost or obligation to you to participate in this case. WHY GROSS LAW FIRM? The Gross Law Firm is a nationally recognized class action law firm, and our mission is to protect th ...

Core Viewpoint - Value investing requires investors to make contrarian bets, often focusing on beaten-down stocks that have been overlooked by the market, which can lead to significant future returns [1][2]. Group 1: Southwest Airlines - Southwest Airlines is currently trading at $29.81, which is 80% of its 52-week high of $37.96, indicating potential upside [3]. - The airline's price-to-book (P/B) ratio is at 2.0x, which is approximately 50% below its long-term average of 4.0x, suggesting a significant market discount [4]. - Analysts predict that Southwest Airlines could report earnings per share (EPS) of $0.82 for Q4 2025, representing a 90% increase from the current EPS of $0.43 [6]. Group 2: Target Corp - Target Corp is trading at $99.75, which is 61% of its 52-week high of $167.40, presenting a potential value opportunity [7]. - The company has a dividend yield of 4.49% and a P/E ratio of 10.96, indicating strong fundamentals [7]. - Institutional investors, such as Nordea Investment Management, have increased their holdings in Target by 37.4%, reflecting confidence in the stock's future performance [9]. Group 3: PayPal Holdings - PayPal is currently priced at $67.11, which is 75% of its 52-week high of $93.66, indicating a potential for recovery [12][13]. - Analysts expect PayPal's stock to reach a price target of $84.57, suggesting a potential upside of 37% from current levels [15]. - The company is well-positioned in the hybrid currency space, which could enhance its future performance in payment processing and commercial banking [12].

All representation is on a contingency fee basis. Shareholders pay no fees or expenses. NEW YORK, Aug. 04, 2025 (GLOBE NEWSWIRE) -- Bernstein Liebhard LLP, a nationally acclaimed investor rights law firm, reminds Fiserv, Inc. ("Fiserv" or the "Company") (NYSE: FI) investors of an upcoming deadline involving a securities fraud class action lawsuit commenced against the Company. Should You Join This Class Action Lawsuit? If you purchased or acquired Fiserv common stock, and/or would like to discuss your legal ...

Core Insights - A potential deal between Apple and JPMorgan Chase may end CoreCard's involvement in Apple's credit card services, which has been significant since the launch of the Apple Card in March 2019 [2][3][4] - Apple is reportedly looking to terminate its partnership with Goldman Sachs, which has been managing the Apple Card, due to significant losses and a desire for better service [4][5] - CoreCard, which has provided unique features for the Apple Card, could face substantial risks if JPMorgan takes over as the issuer, as JPMorgan has in-house processing capabilities [5][6] Company Relationships - CoreCard is currently Apple's largest client, but this relationship is at risk as Apple shifts its credit card partnership to JPMorgan [2][5] - The partnership with Goldman Sachs was initially set to last until 2029, but Goldman Sachs has expressed intentions to exit the partnership due to operational losses [5] - CoreCard's valuation peaked at $490 million shortly after the Apple Card's launch, highlighting the significance of its relationship with Apple [5] Market Dynamics - The credit card market is dominated by a few major banks, and CoreCard's unique position may be jeopardized if JPMorgan or another major issuer takes over the Apple Card [5][6] - The ongoing discussions between Apple and JPMorgan have been reported since early last year, indicating a strategic shift in Apple's approach to credit card services [3]