
Financial Performance - Q3 2021 - Revenue increased to $1207 million, a 263% increase compared to Q3 2020[4] - Net income reached $115 million, up by 212% from the same period last year[4] - Diluted EPS increased to $029, reflecting a 160% growth year-over-year[4] - Adjusted net income rose to $157 million, a 283% increase compared to Q3 2020[4] - Adjusted diluted EPS increased to $040, up 250% from the previous year[4] - Adjusted EBITDA increased to $229 million, representing a 198% increase[4] Market Growth and Transactions - Money transfer transactions increased, demonstrating growth from 64 million in 3Q18 to 105 million in 3Q21[7] - The company is driving market share growth in core markets, reaching 218% in 3Q21[8] - Emerging markets contributed significantly to growth, with transaction growth reaching 235% in 3Q21[9] Digitalization - Digital deposits to bank accounts are growing, with total digital send or receive transactions accounting for 23% of total transactions in 3Q21[11, 12] Updated Guidance for 2021 - The company updated its 2021 revenue guidance to $450 million - $455 million[17] - Net income guidance was updated to $44 million - $45 million[17] - Adjusted net income guidance was updated to $52 million - $53 million[17] - Adjusted EBITDA guidance was updated to $84 million - $85 million[17]