Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
revenues: | ||||||||||||||||||||||||||||
wire transfer and money order fees | 127,795,000 | 132,970,000 | 120,167,000 | 137,443,000 | 144,600,000 | 145,837,000 | 126,921,000 | 145,185,000 | 147,387,000 | 144,518,000 | 124,450,000 | 132,822,000 | 120,718,000 | 117,622,000 | 98,000,000 | 108,832,000 | 104,191,000 | 99,306,000 | 80,912,000 | 85,375,000 | 82,646,000 | 72,793,000 | 67,095,000 | 71,671,000 | 72,468,000 | 70,490,000 | 58,451,000 | 61,331,837 |
foreign exchange gain | 22,278,000 | 23,681,000 | 20,181,000 | 21,844,000 | 23,954,000 | 22,800,000 | 20,346,000 | 23,669,000 | 22,688,000 | 22,382,000 | 19,168,000 | 20,201,000 | 18,851,000 | 18,195,000 | 15,674,000 | 17,485,000 | 15,643,000 | 16,655,000 | 13,049,000 | 13,253,000 | 12,296,000 | 11,660,000 | 9,554,000 | 10,971,000 | 12,272,000 | |||
other income | 4,848,000 | 4,482,000 | 3,962,000 | 5,472,000 | 3,393,000 | 2,894,000 | 3,145,000 | 2,929,000 | 2,362,000 | 2,250,000 | 1,746,000 | 1,414,000 | 1,198,000 | 1,118,000 | 992,000 | 858,000 | 873,000 | 786,000 | 616,000 | 674,000 | 652,000 | 609,000 | 602,000 | 600,000 | 594,000 | 562,000 | 496,000 | 479,461 |
total revenues | 154,921,000 | 161,133,000 | 144,310,000 | 164,759,000 | 171,947,000 | 171,531,000 | 150,412,000 | 171,783,000 | 172,437,000 | 169,150,000 | 145,364,000 | 154,437,000 | 140,767,000 | 136,935,000 | 114,666,000 | 127,175,000 | 120,707,000 | 116,747,000 | 94,577,000 | 99,302,000 | 95,594,000 | 85,062,000 | 77,251,000 | 83,242,000 | 85,334,000 | 82,675,000 | 68,349,000 | 72,508,466 |
operating expenses: | ||||||||||||||||||||||||||||
service charges from agents and banks | 98,636,000 | 102,257,000 | 93,788,000 | 106,317,000 | 111,348,000 | 113,369,000 | 97,934,000 | 110,882,000 | 112,871,000 | 110,996,000 | 96,117,000 | 102,087,000 | 93,658,000 | 92,066,000 | 76,993,000 | 84,804,000 | 81,416,000 | 77,864,000 | 63,372,000 | 66,194,000 | 63,904,000 | 56,271,000 | 52,227,000 | 56,160,000 | 56,319,000 | 54,622,000 | 45,569,000 | 48,305,007 |
salaries and benefits | 19,701,000 | 18,525,000 | 18,288,000 | 16,010,000 | 17,238,000 | 16,893,000 | 18,106,000 | 18,675,000 | 18,607,000 | 17,640,000 | 16,168,000 | 15,313,000 | 13,853,000 | 11,748,000 | 11,310,000 | 12,156,000 | 10,859,000 | 10,175,000 | 9,875,000 | 10,319,000 | 8,084,000 | 7,069,000 | 7,359,000 | 7,899,000 | 7,612,000 | 7,597,000 | 7,597,000 | 10,959,507 |
other selling, general and administrative expenses | 14,132,000 | 12,354,000 | 10,989,000 | 11,926,000 | 12,127,000 | 12,283,000 | 11,558,000 | 10,769,000 | 13,235,000 | 12,637,000 | 11,337,000 | 9,430,000 | 10,232,000 | 7,663,000 | 7,069,000 | 8,791,000 | 9,966,000 | 7,079,000 | 5,505,000 | 5,259,000 | 6,336,000 | 5,155,000 | 5,337,000 | 6,245,000 | 9,788,000 | 5,337,000 | 5,723,000 | 5,206,932 |
benefit from credit losses | 2,154,000 | 1,858,000 | 2,066,000 | |||||||||||||||||||||||||
restructuring costs | 306,000 | 322,000 | 27,000 | 2,711,000 | ||||||||||||||||||||||||
transaction costs | 5,353,000 | 2,224,000 | 1,169,000 | 6,304,972 | ||||||||||||||||||||||||
depreciation and amortization | 4,410,000 | 4,454,000 | 3,629,000 | 3,664,000 | 3,382,000 | 3,371,000 | 3,228,000 | 3,355,000 | 3,472,000 | 3,135,000 | 2,903,000 | 2,758,000 | 2,278,000 | 2,251,000 | 2,183,000 | 2,450,000 | 2,362,000 | 2,345,000 | 2,335,000 | 2,749,000 | 2,698,000 | 2,691,000 | 2,690,000 | 3,203,000 | 3,179,000 | 3,155,000 | 3,152,000 | 4,142,139 |
total operating expenses | 144,386,000 | 141,672,000 | 130,235,000 | 140,058,000 | 144,122,000 | 148,627,000 | 130,826,000 | 144,126,000 | 148,185,000 | 144,408,000 | 126,525,000 | 132,593,000 | 120,021,000 | 113,728,000 | 97,555,000 | 108,201,000 | 104,603,000 | 97,463,000 | 81,087,000 | 84,521,000 | 81,022,000 | 71,186,000 | 67,613,000 | 73,507,000 | 76,898,000 | 70,711,000 | 62,041,000 | 74,918,557 |
operating income | 10,535,000 | 19,461,000 | 14,075,000 | 24,701,000 | 27,825,000 | 22,904,000 | 19,586,000 | 27,657,000 | 24,252,000 | 24,742,000 | 18,839,000 | 21,844,000 | 20,746,000 | 23,207,000 | 17,111,000 | 18,974,000 | 16,104,000 | 19,284,000 | 13,490,000 | 14,781,000 | 14,572,000 | 13,876,000 | 9,638,000 | 9,735,000 | 8,436,000 | 11,964,000 | 6,308,000 | -2,410,091 |
yoy | -62.14% | -15.03% | -28.14% | -10.69% | 14.73% | -7.43% | 3.97% | 26.61% | 16.90% | 6.61% | 10.10% | 15.13% | 28.83% | 20.34% | 26.84% | 28.37% | 10.51% | 38.97% | 39.97% | 51.83% | 72.74% | 15.98% | 52.79% | -503.93% | ||||
qoq | -45.87% | 38.27% | -43.02% | -11.23% | 21.49% | 16.94% | -29.18% | 14.04% | -1.98% | 31.33% | -13.76% | 5.29% | -10.60% | 35.63% | -9.82% | 17.82% | -16.49% | 42.95% | -8.73% | 1.43% | 5.02% | 43.97% | -1.00% | 15.40% | -29.49% | 89.66% | -361.73% | |
operating margin % | ||||||||||||||||||||||||||||
interest expense | 2,981,000 | 3,093,000 | 2,700,000 | 2,748,000 | 3,200,000 | 3,095,000 | 2,702,000 | 2,783,000 | 2,801,000 | 2,651,000 | 2,192,000 | 2,099,000 | 1,466,000 | 1,112,000 | 952,000 | 975,000 | 968,000 | 1,254,000 | 1,339,000 | 1,533,000 | 1,530,000 | 1,633,000 | 1,870,000 | 2,007,000 | 2,145,000 | 2,288,000 | 2,071,000 | 3,433,731 |
income before income taxes | 7,554,000 | 16,368,000 | 11,375,000 | 21,953,000 | 24,625,000 | 19,809,000 | 16,884,000 | 24,874,000 | 21,451,000 | 22,091,000 | 16,647,000 | 19,745,000 | 19,280,000 | 22,095,000 | 16,159,000 | 17,999,000 | 15,136,000 | 18,030,000 | 12,151,000 | 13,248,000 | 13,042,000 | 12,243,000 | 7,768,000 | 7,728,000 | 6,291,000 | 9,676,000 | 4,237,000 | -5,843,822 |
income tax provision | 2,591,000 | 5,361,000 | 3,606,000 | 6,568,000 | 7,328,000 | 5,776,000 | 4,778,000 | 7,375,000 | 6,619,000 | 6,669,000 | 4,885,000 | 6,678,000 | 2,654,000 | 6,111,000 | 4,505,000 | 4,867,000 | 3,629,000 | 4,803,000 | 3,174,000 | 3,628,000 | 3,544,000 | 3,265,000 | 2,080,000 | 1,484,000 | 2,253,000 | 2,602,000 | ||
net income | 4,963,000 | 11,007,000 | 7,769,000 | 15,385,000 | 17,297,000 | 14,033,000 | 12,106,000 | 17,499,000 | 14,832,000 | 15,422,000 | 11,762,000 | 13,067,000 | 16,626,000 | 15,984,000 | 11,654,000 | 13,132,000 | 11,507,000 | 13,227,000 | 8,977,000 | 9,620,000 | 9,498,000 | 8,978,000 | 5,688,000 | 5,341,000 | 4,038,000 | 7,074,000 | 3,156,000 | -13,412,996 |
yoy | -71.31% | -21.56% | -35.83% | -12.08% | 16.62% | -9.01% | 2.92% | 33.92% | -10.79% | -3.52% | 0.93% | -0.49% | 44.49% | 20.84% | 29.82% | 36.51% | 21.15% | 47.33% | 57.82% | 80.12% | 135.22% | 26.92% | 80.23% | -139.82% | ||||
qoq | -54.91% | 41.68% | -49.50% | -11.05% | 23.26% | 15.92% | -30.82% | 17.98% | -3.83% | 31.12% | -9.99% | -21.41% | 4.02% | 37.15% | -11.25% | 14.12% | -13.00% | 47.34% | -6.68% | 1.28% | 5.79% | 57.84% | 6.50% | 32.27% | -42.92% | 124.14% | -123.53% | |
net income margin % | ||||||||||||||||||||||||||||
other comprehensive income | -160,000 | 1,236,000 | 348,000 | -1,123,000 | -66,000 | -375,000 | -145,000 | 262,000 | -214,000 | 175,000 | 182,000 | -101,000 | 112,000 | 76,000 | -151,000 | 16,000 | 21,000 | 14,000 | 3,000 | -144,000 | 61,000 | -9,000 | 35,000 | 8,000 | 22,452 | |||
comprehensive income | 4,803,000 | 12,243,000 | 8,117,000 | 14,262,000 | 17,231,000 | 13,658,000 | 11,961,000 | 17,761,000 | 14,618,000 | 15,597,000 | 11,944,000 | 13,140,000 | 16,476,000 | 15,883,000 | 11,766,000 | 13,208,000 | 11,356,000 | 13,243,000 | 8,973,000 | 9,641,000 | 9,512,000 | 8,981,000 | 5,544,000 | 5,402,000 | 4,029,000 | 7,109,000 | 3,164,000 | |
earnings per common share: | ||||||||||||||||||||||||||||
basic | 170 | 370 | 250 | 490 | 530 | 430 | 360 | 500 | 420 | 430 | 320 | 360 | 440 | 420 | 340 | 300 | 340 | 250 | 250 | |||||||||
diluted | 170 | 370 | 250 | 490 | 530 | 420 | 350 | 490 | 410 | 420 | 310 | 340 | 430 | 410 | 340 | 290 | 340 | 250 | 250 | |||||||||
weighted-average common shares outstanding: | ||||||||||||||||||||||||||||
basic | 29,616,788,000 | 29,843,687,000 | 30,587,949,000 | 32,430,755,000 | 32,366,831,000 | 32,698,951,000 | 33,675,441,000 | 35,604,582,000 | 35,320,809,000 | 36,001,670,000 | 36,480,972,000 | 37,733,047,000 | 37,390,632,000 | 38,257,156,000 | 38,362,014,000 | 38,474,040,000 | 38,647,931,000 | 38,433,748,000 | 38,239,130,000 | 38,060,290,000 | 38,050,610,000 | 38,035,279,000 | 38,035,014,000 | 37,428,345,000 | 37,984,316,000 | 37,505,598,000 | 36,182,783,000 | |
diluted | 29,816,620,000 | 29,912,615,000 | 30,831,633,000 | 32,850,497,000 | 32,732,465,000 | 33,090,806,000 | 34,188,814,000 | 36,429,714,000 | 36,082,163,000 | 36,871,674,000 | 37,361,953,000 | 38,625,390,000 | 38,425,868,000 | 39,228,991,000 | 39,077,665,000 | 39,103,450,000 | 39,336,051,000 | 39,027,414,000 | 38,846,906,000 | 38,358,171,000 | 38,652,707,000 | 38,047,792,000 | 38,038,674,000 | 37,594,158,000 | 38,286,702,000 | 37,594,151,000 | 36,195,463,000 | |
other comprehensive loss | 73,000 | -150,000 | -4,000 | |||||||||||||||||||||||||
earnings per common share: | ||||||||||||||||||||||||||||
basic and diluted | 300 | 230 | 240 | 150 | ||||||||||||||||||||||||
income per common share: | ||||||||||||||||||||||||||||
basic and diluted | 95 | 0 | 190 | 90 | ||||||||||||||||||||||||
foreign exchange | 11,623,000 | 9,402,000 | 10,697,168 | |||||||||||||||||||||||||
income tax benefit | 1,081,000 | 7,569,174 | ||||||||||||||||||||||||||
comprehensive loss | -13,390,544 | |||||||||||||||||||||||||||
loss per common share: | ||||||||||||||||||||||||||||
basic and diluted | -0.43 | |||||||||||||||||||||||||||
weighted-average common shares outstanding: | ||||||||||||||||||||||||||||
basic and diluted | 30,975,338 |
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