🔹 Revenue: $8.42B (Est. $8.22B) 🟢; UP +7% YoY
🔹 Adj. EPS: $1.34 (Est. $1.21) 🟢; UP +12% YoY
🔹 TPV: $458.1B (Est. $450.3B) 🟢; UP +8% YoY
🔹 Active Accounts: 438M; UP +1% YoY
FY25 Guidance
🔹 Raised Adj. EPS: $5.35–$5.39 (Est. $5.24) 🟢
🔹 FY25 FCF: $6B–$7B (reaffirmed)
Q3 Other:
🔹 Adj. Op. Income: $1.568B (Est. $1.44B) 🟢
🔹 Payment Transactions: 6.331B; DOWN -5% YoY
Revenue Mix
🔹 Transaction Revenues: $7.522B; UP +6% YoY; 89% of total
🔹 OVAS: $895M; UP +15% YoY; 11% of total
Geography:
🔹 U.S. $4.753B (+5% YoY)
🔹 International $3.664B (+10% YoY)
Profitability & Cash
🔹 Transaction Margin $: $3.87B; UP +6% YoY (ex-interest on customer balances: $3.55B; UP +7% YoY)
🔹 Free Cash Flow: $1.72B in Q3; Adj. FCF $2.28B
