The document provides an overview of Real Matters, a leading provider of network management services for the mortgage lending and insurance industries. Real Matters combines proprietary technology and network management capabilities with tens of thousands of independent field agents. It has realized significant success in disrupting segments of the mortgage lending and insurance industries. Real Matters has a growing blue chip client base that includes over 60 of the top 100 U.S. mortgage lenders. It has achieved strong market share growth and financial performance, including adjusted EBITDA profitability since 2012. Real Matters is now looking to leverage its platform approach in appraisals to expand into the title and closing market.
Real matters q4 and fy2017 marketing presentation november 2017 1realmatters2016
This presentation provides an overview of Real Matters, a leading provider of network management services for the mortgage lending and insurance industries. Real Matters has experienced significant growth and disrupted segments of these industries using its proprietary technology platform and network of independent agents. The company aims to continue growing its market share in residential mortgage appraisals and disrupt the $13 billion title and closing market by leveraging its platform and relationships with major clients. Real Matters cautions that forward-looking statements are subject to risks and uncertainties that could cause actual results to differ from expectations.
Real matters q4 and fy2017 marketing presentation november 2017realmatters2016
This presentation provides an overview of Real Matters, a leading provider of network management services for the mortgage lending and insurance industries. Real Matters has experienced significant growth and disrupted segments of these industries using its proprietary technology platform and network of independent agents. The company aims to continue growing its market share in residential mortgage appraisals and disrupt the $13 billion title and closing market by leveraging its platform and relationships with major clients. Real Matters cautions that forward-looking statements are subject to risks and uncertainties that could cause actual results to differ from expectations.
Real matters may 2018 investor update presentation finalrealmatters2016
Real Matters provided a business update for Q2 2018, highlighting several accomplishments:
- 15% market adjusted appraisal revenue growth in the US and margin improvements due to network effects.
- Won new appraisal and title/closing business with tier 1 lenders and expanded into home equity lending.
- Completed transitioning title/closing operations to its technology platform.
- Achieved financial targets and milestones while expecting to continue outperforming the mortgage origination market through 2021 with a focus on appraisal and centralized refinance title/closing services.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions and strategies, noting inherent risks and uncertainties that could cause actual results to differ materially.
- It notes that case studies presented provide examples of how the company's platform has helped some merchants grow, but other factors may have also contributed to increases.
- Non-GAAP financial measures that exclude certain expenses are used to supplement GAAP measures, and are not a substitute for GAAP measures.
- The document contains forward-looking statements about the company's plans and estimates, which involve known and unknown risks and uncertainties.
- Case studies in the presentation are examples of how the company's platform has helped merchants grow, but many other factors could have contributed to increases as well.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions, and strategies, noting inherent risks and uncertainties that could cause actual results to differ materially.
- It provides case studies of how merchants have used the company's platform but notes these do not necessarily mean the platform was the only factor in increased sales or growth.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP measures, and are not a substitute for GAAP measures.
This document contains forward-looking statements about the company's plans, estimates, beliefs and assumptions. It notes that actual results may differ materially from what is projected. It also discusses risks associated with forward-looking statements and says the company does not undertake to update projections except as required by law. The document also states that case studies of merchant growth do not necessarily mean the company's platform was the only contributing factor, and that non-GAAP financial measures should be viewed as supplemental, not superior, to GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could cause actual results to differ materially.
- The company believes the case studies presented provide a representative sample of how merchants have used its platform to grow their businesses, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and should be considered as supplemental, not as a substitute.
Real matters q4 and fy2017 marketing presentation november 2017 1realmatters2016
This presentation provides an overview of Real Matters, a leading provider of network management services for the mortgage lending and insurance industries. Real Matters has experienced significant growth and disrupted segments of these industries using its proprietary technology platform and network of independent agents. The company aims to continue growing its market share in residential mortgage appraisals and disrupt the $13 billion title and closing market by leveraging its platform and relationships with major clients. Real Matters cautions that forward-looking statements are subject to risks and uncertainties that could cause actual results to differ from expectations.
Real matters q4 and fy2017 marketing presentation november 2017realmatters2016
This presentation provides an overview of Real Matters, a leading provider of network management services for the mortgage lending and insurance industries. Real Matters has experienced significant growth and disrupted segments of these industries using its proprietary technology platform and network of independent agents. The company aims to continue growing its market share in residential mortgage appraisals and disrupt the $13 billion title and closing market by leveraging its platform and relationships with major clients. Real Matters cautions that forward-looking statements are subject to risks and uncertainties that could cause actual results to differ from expectations.
Real matters may 2018 investor update presentation finalrealmatters2016
Real Matters provided a business update for Q2 2018, highlighting several accomplishments:
- 15% market adjusted appraisal revenue growth in the US and margin improvements due to network effects.
- Won new appraisal and title/closing business with tier 1 lenders and expanded into home equity lending.
- Completed transitioning title/closing operations to its technology platform.
- Achieved financial targets and milestones while expecting to continue outperforming the mortgage origination market through 2021 with a focus on appraisal and centralized refinance title/closing services.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions and strategies, noting inherent risks and uncertainties that could cause actual results to differ materially.
- It notes that case studies presented provide examples of how the company's platform has helped some merchants grow, but other factors may have also contributed to increases.
- Non-GAAP financial measures that exclude certain expenses are used to supplement GAAP measures, and are not a substitute for GAAP measures.
- The document contains forward-looking statements about the company's plans and estimates, which involve known and unknown risks and uncertainties.
- Case studies in the presentation are examples of how the company's platform has helped merchants grow, but many other factors could have contributed to increases as well.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions, and strategies, noting inherent risks and uncertainties that could cause actual results to differ materially.
- It provides case studies of how merchants have used the company's platform but notes these do not necessarily mean the platform was the only factor in increased sales or growth.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP measures, and are not a substitute for GAAP measures.
This document contains forward-looking statements about the company's plans, estimates, beliefs and assumptions. It notes that actual results may differ materially from what is projected. It also discusses risks associated with forward-looking statements and says the company does not undertake to update projections except as required by law. The document also states that case studies of merchant growth do not necessarily mean the company's platform was the only contributing factor, and that non-GAAP financial measures should be viewed as supplemental, not superior, to GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could cause actual results to differ materially.
- The company believes the case studies presented provide a representative sample of how merchants have used its platform to grow their businesses, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and should be considered as supplemental, not as a substitute.
Brink's september 2018 investor presentation v5 09062018investorsbrinks
The document is an investor presentation for Brink's Company that provides forward-looking information and non-GAAP financial results. It summarizes that Brink's anticipates revenue growth of 5% and adjusted EBITDA growth of 15-20% in 2018. It also outlines Brink's strategy to accelerate profitable growth through initiatives like growing high-value services, improving operational excellence, and introducing new technology-enabled services. Brink's provides a three-year strategic plan targeting 2019 adjusted EBITDA of $535 million through organic growth initiatives.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- The company believes case studies presented provide a representative sample of how merchants have used its platform to grow, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and exclude certain items like stock-based compensation expenses. Non-GAAP measures are not a substitute for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- Case studies of merchant experiences are provided as examples but do not necessarily mean the company's platform was the only factor in increased sales.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not as substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, estimates, beliefs, assumptions, and strategies. These statements are subject to risks and uncertainties that could cause actual results to differ materially.
- The case studies presented are intended to be representative of how merchants have used the company's platform, but may not be the only contributing factor to increases in visits, growth, or sales for those merchants.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP financial measures, but should be considered as supplemental and not as a substitute for GAAP measures.
- Box reported financial results for the first quarter of FY18, with revenue of $117.2 million, up 30% year-over-year. Billings were $99.6 million, up 31% year-over-year. Deferred revenue was $224.3 million, up 30% year-over-year.
- Box saw continued growth in paying customers to 74,000, with 64% of Fortune 500 companies now using Box. New products like KeySafe and Relay (beta) provide further differentiation.
- Box improved operating margins through efficiencies, with non-GAAP operating expenses declining to 54% of revenue compared to 60% in the prior year. Box expects to stabilize gross
- The document contains forward-looking statements about the company's plans and estimates, which involve known and unknown risks and uncertainties.
- Case studies in the presentation are examples of how the company's platform has helped merchants grow, but many other factors could have contributed to increases as well.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company that are based on management's estimates and assumptions about future events and trends. These statements involve inherent risks and uncertainties.
- The company believes the case studies presented provide a representative sample of how merchants have used its platform to grow their businesses, but other factors may have also contributed to increases in visits, growth, and sales.
- The company uses non-GAAP financial measures to supplement GAAP measures by excluding certain items like stock-based compensation, which management uses internally and believes provides useful information, but should be considered as supplemental to GAAP measures.
Brink's june 25 2018 investor presentation final 06222018investorsbrinks
The document is an investor presentation by Brink's, a global security company. It provides an overview of Brink's business and strategy. Some key points:
- Brink's operates in over 100 countries with over $3 billion in annual revenue and is the global leader in cash logistics.
- The strategy focuses on accelerating profitable growth through expanding higher-margin services, pursuing acquisitions, and introducing new technologies.
- Financial results for 2017 and Q1 2018 show strong growth in revenue, operating profit, margins, and earnings per share due to organic growth and acquisitions.
- The three-year strategic plan aims to increase organic adjusted EBITDA through initiatives to improve operations
This white paper discusses how strategic analytics can provide new insights and opportunities for businesses. By carefully analyzing available sales, customer, and transactional data, businesses can better target high value customers and increase market penetration. The paper provides examples from the insurance industry of how deeper data analysis led to strategies to focus on more productive brokers and reduce unprofitable business. Strategic analytics involve ongoing discovery and monitoring to continually improve business performance and outcomes.
Leaf Group is a digital media company that builds platforms for communities of creators to reach audiences in large lifestyle categories. It has two business segments - a marketplace model that generated $16M in revenue in Q1 2017 and an ad-supported media model that generated $11M. Leaf Group reaches over 52M monthly unique visitors across its portfolio and paid creators over $17M in 2016. It is focusing on growing its marketplace and media revenues through improving monetization and expanding its creator base and content offerings.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could materially impact results.
- The company believes case studies presented provide a representative sample of how merchants have used its platform to grow, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and exclude certain items like stock-based compensation expenses.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions, and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- Case studies are presented to provide examples of how merchants have used the company's platform to grow their businesses, but other factors may have also contributed to increases in visits, growth, and sales.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP financial measures. These non-GAAP measures are not a substitute for GAAP measures.
This document discusses forward-looking statements and the risks and uncertainties involved. It notes that while management believes its assumptions are reasonable, actual results could differ materially from expectations. It also notes that increased sales or growth following implementation of its platform may not be solely due to the platform and could be affected by other factors. Finally, it discusses the use of non-GAAP financial measures to supplement GAAP measures.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It cautions that actual results may differ from these statements due to risks and uncertainties. It also notes that case studies of merchant growth do not necessarily mean the company's platform was the only contributing factor. Finally, it provides context for using non-GAAP financial measures to supplement GAAP reporting.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It cautions that actual results may differ from these statements due to risks and uncertainties. It also believes the case studies presented provide a representative sample of how merchants have used its platform, but notes other factors may have contributed to increases in visits, growth and sales. Finally, it supplements GAAP financial measures with non-GAAP measures to provide additional information, and includes reconciliations between the GAAP and non-GAAP measures.
This presentation discusses HubSpot, an inbound marketing and sales SaaS company. It highlights HubSpot's growth opportunities through expanding into new markets internationally and increasing average subscription revenue per customer. It also summarizes HubSpot's financial performance, including steady increases in gross margin and reductions in operating margin. HubSpot believes its efficient customer acquisition model and continued margin improvements will drive sustained cash flow growth and profitability.
This presentation discusses HubSpot, an inbound marketing and sales SaaS company. It provides an overview of the company's mission to transform how companies market and sell through its inbound methodology. The methodology focuses on attracting and engaging customers through helpful content rather than interruptive ads. The presentation highlights HubSpot's financial performance, with over 50% annual revenue growth and improving operating margins. It also outlines the company's opportunities for continued growth through international expansion, cross-selling products, and increasing its average revenue per customer.
Principal Financial Group reported earnings results for the fourth quarter of 2017. While 2017 was a strong year overall with record non-GAAP operating earnings of $1.5 billion, fourth quarter results declined from the prior year quarter. The tax cuts and Jobs Act resulted in a $568 million benefit to net income. For 2018, the company expects to deploy $900 million to $1.3 billion of capital and announced an increase to the first quarter common stock dividend.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It notes that actual results may differ materially from these statements due to known and unknown risks and uncertainties. It also notes that case studies of merchant results do not necessarily mean the company's platform was the only contributing factor to growth. Financial measures are supplemented with non-GAAP measures to provide additional context.
This document contains forward-looking statements about the company's plans, estimates, beliefs and assumptions. It notes that actual results may differ materially from what is projected. It also discusses risks associated with forward-looking statements and notes that references to case studies do not necessarily mean the company's platform was the only factor in growth. Finally, it defines non-GAAP financial measures used to supplement GAAP reporting and provides reconciliations between non-GAAP and GAAP measures.
Principal Financial Group reported second quarter 2017 earnings results. Some key highlights included:
- Record quarterly operating earnings of $384 million and record quarterly operating earnings per share of $1.31.
- Assets under management reached a record high of $629 billion, despite negative net cash flows in the second quarter.
- Over 80% of investment options performed in the top two Morningstar quartiles over three and five-year periods, demonstrating strong investment performance.
- The company continued to deploy capital through dividends, share repurchases, and increased ownership in a PGI boutique, while announcing a 15% increase to the third quarter dividend.
Genworth MI Canada held its 2017 Investor Day on December 6th. The presentation focused on the company's strategic outlook, disciplined risk management approach, and financial strategy. Key points included growing customer relationships in a prudent manner, leveraging data analytics to enhance underwriting and customer experience, and maintaining a strong risk governance framework. The outlook for 2018 expects ongoing economic strength in Canada and a gradual normalization of housing markets.
Brink's september 2018 investor presentation v5 09062018investorsbrinks
The document is an investor presentation for Brink's Company that provides forward-looking information and non-GAAP financial results. It summarizes that Brink's anticipates revenue growth of 5% and adjusted EBITDA growth of 15-20% in 2018. It also outlines Brink's strategy to accelerate profitable growth through initiatives like growing high-value services, improving operational excellence, and introducing new technology-enabled services. Brink's provides a three-year strategic plan targeting 2019 adjusted EBITDA of $535 million through organic growth initiatives.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- The company believes case studies presented provide a representative sample of how merchants have used its platform to grow, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and exclude certain items like stock-based compensation expenses. Non-GAAP measures are not a substitute for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- Case studies of merchant experiences are provided as examples but do not necessarily mean the company's platform was the only factor in increased sales.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not as substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company regarding its plans, estimates, beliefs, assumptions, and strategies. These statements are subject to risks and uncertainties that could cause actual results to differ materially.
- The case studies presented are intended to be representative of how merchants have used the company's platform, but may not be the only contributing factor to increases in visits, growth, or sales for those merchants.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP financial measures, but should be considered as supplemental and not as a substitute for GAAP measures.
- Box reported financial results for the first quarter of FY18, with revenue of $117.2 million, up 30% year-over-year. Billings were $99.6 million, up 31% year-over-year. Deferred revenue was $224.3 million, up 30% year-over-year.
- Box saw continued growth in paying customers to 74,000, with 64% of Fortune 500 companies now using Box. New products like KeySafe and Relay (beta) provide further differentiation.
- Box improved operating margins through efficiencies, with non-GAAP operating expenses declining to 54% of revenue compared to 60% in the prior year. Box expects to stabilize gross
- The document contains forward-looking statements about the company's plans and estimates, which involve known and unknown risks and uncertainties.
- Case studies in the presentation are examples of how the company's platform has helped merchants grow, but many other factors could have contributed to increases as well.
- Non-GAAP financial measures are used to supplement GAAP measures and should be considered as additional information, not substitutes for GAAP measures.
- The document discusses forward-looking statements made by the company that are based on management's estimates and assumptions about future events and trends. These statements involve inherent risks and uncertainties.
- The company believes the case studies presented provide a representative sample of how merchants have used its platform to grow their businesses, but other factors may have also contributed to increases in visits, growth, and sales.
- The company uses non-GAAP financial measures to supplement GAAP measures by excluding certain items like stock-based compensation, which management uses internally and believes provides useful information, but should be considered as supplemental to GAAP measures.
Brink's june 25 2018 investor presentation final 06222018investorsbrinks
The document is an investor presentation by Brink's, a global security company. It provides an overview of Brink's business and strategy. Some key points:
- Brink's operates in over 100 countries with over $3 billion in annual revenue and is the global leader in cash logistics.
- The strategy focuses on accelerating profitable growth through expanding higher-margin services, pursuing acquisitions, and introducing new technologies.
- Financial results for 2017 and Q1 2018 show strong growth in revenue, operating profit, margins, and earnings per share due to organic growth and acquisitions.
- The three-year strategic plan aims to increase organic adjusted EBITDA through initiatives to improve operations
This white paper discusses how strategic analytics can provide new insights and opportunities for businesses. By carefully analyzing available sales, customer, and transactional data, businesses can better target high value customers and increase market penetration. The paper provides examples from the insurance industry of how deeper data analysis led to strategies to focus on more productive brokers and reduce unprofitable business. Strategic analytics involve ongoing discovery and monitoring to continually improve business performance and outcomes.
Leaf Group is a digital media company that builds platforms for communities of creators to reach audiences in large lifestyle categories. It has two business segments - a marketplace model that generated $16M in revenue in Q1 2017 and an ad-supported media model that generated $11M. Leaf Group reaches over 52M monthly unique visitors across its portfolio and paid creators over $17M in 2016. It is focusing on growing its marketplace and media revenues through improving monetization and expanding its creator base and content offerings.
- The document discusses forward-looking statements made by the company regarding its plans, intentions, expectations and strategies. These statements involve known and unknown risks and uncertainties that could materially impact results.
- The company believes case studies presented provide a representative sample of how merchants have used its platform to grow, but other factors may have also contributed to increases in visits, growth and sales.
- Non-GAAP financial measures are used to supplement GAAP financial measures and exclude certain items like stock-based compensation expenses.
- The document discusses forward-looking statements made by the company regarding its plans, expectations, assumptions, and strategies. These statements involve known and unknown risks and uncertainties that could materially affect results.
- Case studies are presented to provide examples of how merchants have used the company's platform to grow their businesses, but other factors may have also contributed to increases in visits, growth, and sales.
- Non-GAAP financial measures that exclude certain items are used to supplement GAAP financial measures. These non-GAAP measures are not a substitute for GAAP measures.
This document discusses forward-looking statements and the risks and uncertainties involved. It notes that while management believes its assumptions are reasonable, actual results could differ materially from expectations. It also notes that increased sales or growth following implementation of its platform may not be solely due to the platform and could be affected by other factors. Finally, it discusses the use of non-GAAP financial measures to supplement GAAP measures.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It cautions that actual results may differ from these statements due to risks and uncertainties. It also notes that case studies of merchant growth do not necessarily mean the company's platform was the only contributing factor. Finally, it provides context for using non-GAAP financial measures to supplement GAAP reporting.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It cautions that actual results may differ from these statements due to risks and uncertainties. It also believes the case studies presented provide a representative sample of how merchants have used its platform, but notes other factors may have contributed to increases in visits, growth and sales. Finally, it supplements GAAP financial measures with non-GAAP measures to provide additional information, and includes reconciliations between the GAAP and non-GAAP measures.
This presentation discusses HubSpot, an inbound marketing and sales SaaS company. It highlights HubSpot's growth opportunities through expanding into new markets internationally and increasing average subscription revenue per customer. It also summarizes HubSpot's financial performance, including steady increases in gross margin and reductions in operating margin. HubSpot believes its efficient customer acquisition model and continued margin improvements will drive sustained cash flow growth and profitability.
This presentation discusses HubSpot, an inbound marketing and sales SaaS company. It provides an overview of the company's mission to transform how companies market and sell through its inbound methodology. The methodology focuses on attracting and engaging customers through helpful content rather than interruptive ads. The presentation highlights HubSpot's financial performance, with over 50% annual revenue growth and improving operating margins. It also outlines the company's opportunities for continued growth through international expansion, cross-selling products, and increasing its average revenue per customer.
Principal Financial Group reported earnings results for the fourth quarter of 2017. While 2017 was a strong year overall with record non-GAAP operating earnings of $1.5 billion, fourth quarter results declined from the prior year quarter. The tax cuts and Jobs Act resulted in a $568 million benefit to net income. For 2018, the company expects to deploy $900 million to $1.3 billion of capital and announced an increase to the first quarter common stock dividend.
This document contains forward-looking statements about the company's plans, intentions and expectations, which are based on management's views of historical trends and future developments. It notes that actual results may differ materially from these statements due to known and unknown risks and uncertainties. It also notes that case studies of merchant results do not necessarily mean the company's platform was the only contributing factor to growth. Financial measures are supplemented with non-GAAP measures to provide additional context.
This document contains forward-looking statements about the company's plans, estimates, beliefs and assumptions. It notes that actual results may differ materially from what is projected. It also discusses risks associated with forward-looking statements and notes that references to case studies do not necessarily mean the company's platform was the only factor in growth. Finally, it defines non-GAAP financial measures used to supplement GAAP reporting and provides reconciliations between non-GAAP and GAAP measures.
Principal Financial Group reported second quarter 2017 earnings results. Some key highlights included:
- Record quarterly operating earnings of $384 million and record quarterly operating earnings per share of $1.31.
- Assets under management reached a record high of $629 billion, despite negative net cash flows in the second quarter.
- Over 80% of investment options performed in the top two Morningstar quartiles over three and five-year periods, demonstrating strong investment performance.
- The company continued to deploy capital through dividends, share repurchases, and increased ownership in a PGI boutique, while announcing a 15% increase to the third quarter dividend.
Genworth MI Canada held its 2017 Investor Day on December 6th. The presentation focused on the company's strategic outlook, disciplined risk management approach, and financial strategy. Key points included growing customer relationships in a prudent manner, leveraging data analytics to enhance underwriting and customer experience, and maintaining a strong risk governance framework. The outlook for 2018 expects ongoing economic strength in Canada and a gradual normalization of housing markets.
Brink's is hosting investor meetings in June 2017. The document provides a safe harbor statement and discusses non-GAAP results. It then summarizes Brink's strategy to accelerate profitable growth through initiatives like growing high-value services, introducing differentiated services by leveraging technology, and achieving operational excellence. Financial targets for 2019 include 5% annual revenue growth to $3.275 billion, operating profit margin of around 10% ($330 million), and adjusted EBITDA margin of around 15% ($475 million). Segment contributions to the 2019 targets are also outlined.
Real Matters Third Quarter 2017 Conference Call realmatters2016
- The document summarizes Real Matters' Q3 2017 conference call covering the period ending June 30, 2017.
- Key highlights include market share gains offsetting estimated market declines, revenues of $76.7 million, and net revenue of $23.3 million.
- Net revenue margins declined by 80 basis points due to changes in revenue mix. A significant new market share win was announced post-quarter.
Real matters q1 2018 conference call update finalrealmatters2016
- The document summarizes Real Matter's Q1 2018 conference call, highlighting financial results for the period ending December 31, 2017.
- Key highlights included consolidated market adjusted revenue growth of 19% driven by appraisal growth of 30% market share. However, title and closing revenues declined 4% due to lower refinance volumes.
- Net loss for Q1 2018 was $5.4 million compared to a net loss of $2.3 million in Q1 2017, reflecting lower net revenue margins from a change in revenue mix and investments to support growth.
This presentation provides an overview of a technology-powered real estate company to investors. It highlights the company's unique employee agent model and map-based search technology. The company has experienced strong revenue growth in recent years across its real estate services, rentals, mortgage, and other segments. It is also gaining market share in the US housing market. The presentation outlines the company's end-to-end product offerings that provide a one-stop shop for customers and its focus on using technology to improve productivity and provide a better customer experience than competitors.
This document summarizes John Sznewajs' presentation at the 39th Annual Institutional Investor Conference in March 2018. The presentation discusses Masco's business today, strategy for profitable growth, and future outlook. Masco has a diversified business mix across price points, channels, and geographies that results in stable revenues. The company's strategy focuses on driving the full potential of its businesses, leveraging opportunities across its portfolio, and actively managing its portfolio. Masco expects this strategy to generate substantial cash flow and allow for 23% annual EPS growth from 2016 to 2019 through revenue growth, cost improvements, and capital allocation.
Atento reported revenue growth of 5.7% in Q4 and 5.1% for the full year 2017. Revenue from multisector clients grew 8.6% in Q4 and 10.9% for the full year, increasing its percentage of total revenue. Adjusted EBITDA margins were in line with guidance at 11.5% for both Q4 and the full year. Adjusted earnings per share grew 11.4% in Q4 and 14.8% for the full year, reflecting continued revenue growth and profitability.
The document provides an overview of Brink's, a global secure logistics company, ahead of investor meetings in August 2017. It discusses Brink's leadership position in the cash management market, growth strategy focused on profitable growth, operational excellence and introducing differentiated services, and strategic execution through organic initiatives and acquisitions. Brink's targets revenue of $3.3 billion and operating profit margin of 12.5% by 2019 through this strategy. Recent acquisitions are expected to contribute $175 million in additional revenue and $45 million in operating profit to the 2019 targets.
This document provides an overview of CPI Card Group, including:
1) CPI Card Group is a leading provider of payment card solutions in the US markets for large issuers, small/mid-sized issuers, and prepaid debit cards.
2) The company serves over 4,000 customers with a focus on end-to-end payment solutions including EMV cards, instant card issuance systems, personalization services, and prepaid cards.
3) CPI Card Group expects continued growth in the US payment card market driven by the ongoing transition to EMV cards and growth in prepaid debit cards. The company is also innovating new product offerings like metal cards.
QTS Realty Trust reported earnings results for the fourth quarter of 2019. Key highlights included:
- Signed new and modified leases totaling $27.7 million in incremental annualized rent, the strongest leasing quarter in company history.
- Commenced construction on a new 250+ megawatt data center campus in Hillsboro, Oregon, with initial development delivering in mid-2020.
- Provided full year 2020 guidance with 10-12% revenue and adjusted EBITDA growth expected over 2019 results.
- Maintains a strong balance sheet with $220 million in available undrawn equity proceeds and extended credit facilities.
Genworth MI Canada Inc. provides mortgage default insurance primarily in Canada. In Q1 2016, the company saw a decline in new insurance written and net premiums written compared to the previous year, constrained by targeted underwriting changes and a smaller transactional insurance market. The loss ratio in Q1 2016 was 24%, within the company's expected range. Genworth maintains a strong capital position with a minimum capital test ratio of 234% as of Q1 2016.
Genworth MI Canada Inc. reported its third quarter 2016 results. Key highlights included:
- Premiums written decreased 10% quarter-over-quarter and 14% year-over-year due to lower transactional insurance volumes.
- The loss ratio increased to 25% due to a rise in new delinquencies primarily in oil-producing regions of Alberta and Quebec.
- Net operating income decreased 6% quarter-over-quarter primarily due to higher losses on claims, though it was up 1% year-over-year.
Best-in-Class for the Online DC Plan Participant Experience - A Competitive A...Corporate Insight
The presentation discussed industry best practices and trends from our recently completed 2013 DC Plan Participant Website Audit and also contained findings from the 2013 DC Plan Participant Survey. The survey polled approximately 1000 plan participants, asking questions about the digital experience they have with their retirement plan provider(s). CI also took a look at what’s next for the industry, focusing on the evolution of financial advice and guidance and mobile innovation.
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2. 2
Caution Regarding Forward-Looking Statements
2
This presentation contains forward-looking statements that relate to our current expectations and views of future events including but
not limited to future market share and transaction volumes. In some cases, these forward-looking statements can be identified by
words or phrases such as ‘‘forecast’’, ‘‘target’’, ‘‘goal’’, ‘‘may’’, ‘‘might’’, ‘‘will’’, ‘‘expect’’, ‘‘anticipate’’, ‘‘estimate’’, ‘‘intend’’, ‘‘plan’’,
‘‘indicate’’, ‘‘seek’’, ‘‘believe’’, ‘‘predict’’, or ‘‘likely’’, or the negative of these terms, or other similar expressions intended to identify
forward-looking statements.
We have based these forward-looking statements on our current expectations and projections about future events and financial trends
that we believe might affect our financial condition, results of operations, business strategy and financial needs. A comprehensive
discussion of the risks that impact Real Matters can be found in the Company's Annual Information Form dated December 27, 2017
available on SEDAR at www.sedar.com. Actual results may differ materially from those indicated or underlying forward-looking
statements as a result of various factors, including those described under the heading “Important Factors Affecting Results from
Operations” outlined in the Strategy and Outlook section of the Company’s MD&A for the quarters ended December 31, 2017 and
2016.
Real Matters cautions that the list of risk factors and uncertainties is not exhaustive and other factors could also adversely affect its
results. Readers are urged to consider the risks, uncertainties and assumptions carefully in evaluating the forward-looking information
and are cautioned not to place undue reliance on such information.
Information contained in forward-looking statements in this presentation is provided as of the date of this presentation and we
disclaim any obligation to update any forward-looking statements, whether as a result of new information or future events or results,
except to the extent required by applicable securities laws.
All of the forward-looking statements made in this presentation are qualified by these cautionary statements and other cautionary
statements or factors contained herein and there can be no assurance that the actual results or developments will be realized or, even
if substantially realized, that they will have the expected consequences to, or effects on, the Company.
Non-GAAP Measures
This presentation makes reference to certain Non-GAAP financial measures. Real Matters prepares its financial statements in
accordance with International Financial Reporting Standards ("IFRS" or “GAAP”). However, the Company considers certain Non-GAAP
financial measures as useful additional information in measuring its financial performance and condition. These measures, which the
Company believes are widely used by investors, securities analysts and other interested parties in evaluating our performance, do not
have a standardized meaning prescribed by GAAP and therefore may not be comparable to similarly titled measures presented by
other publicly traded companies, nor should they be construed as an alternative to financial measures determined in accordance with
IFRS. Non-GAAP measures include “Adjusted EBITDA”, “Net Revenue” and “Adjusted Net Income or Loss”. See "Non-GAAP measures" in
Real Matters’ MD&A for the quarters ended December 31, 2017 and 2016 for a more complete description of these terms.
3. 3
FY2015 FY2016 FY2017
Real Matters Overview
Leading Provider of Network Management Services for the
Mortgage Lending and Insurance Industries
• Platform combines proprietary technology and network management capabilities with
tens of thousands of independent Field Agents, such as residential real estate appraisers
• Realized significant success and disrupted segments of the mortgage lending and
insurance industries
• Clients include more than 60 of top 100 mortgage lenders in the U.S.1 and
three of the Big Five Banks in Canada
• Provides one in 15 residential mortgage appraisals in the U.S.2
• Recently won MSAs with five Tier 1 mortgage lenders in the U.S.
• Adjusted EBITDA3 positive since FY2012
• Invested significantly in our technology
• Entered title and closing market – provides opportunity to leverage our Platform
and client relationships to grow title and closing market share
Strong Market Share Growth and Financial Performance
1. Based on having completed at least one transaction with Real Matters in the fiscal year ended September 30, 2017. Top 100 mortgage lenders according to Inside Mortgage Finance website: Top 100 Mortgage Lenders (twelve months ended December 31, 2016). 2. Management
estimate based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017. 3. Net Revenue and Adjusted EBITDA are non-GAAP measures. See “Non-GAAP Measures” on page 2 of this Presentation. 4. Management estimates of the residential mortgage appraisal
market size of calendar 2016 based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017, plus management estimates of the title market size measured by written premium based data from American Land Title Association Data as of June 30, 2017. Total
addressable market based on roll-out of the Company’s Next Generation Closing strategy. 5. Management estimate based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017. 6. Management estimate of Residential Title Written Premium Market Share based
on data from the American Land Title Association as of June 30, 2017 and Demotech, Inc. for period ending December 31, 2015.
$16B4
Large Addressable
Market with
Significant Runway
for Growth
3
$33.7
$68.3
$92.3
$5.3
$12.8 $9.4
FY2015 FY2016 FY2017
Net Revenue Adjusted EBITDA
FY2013 FY2013 FY2015 FY2016 FY2017
17%
2017 YoY
Title & Closing
Market Share6
Growth
3 3
2.4%
6.5%
(in $ millions)
0.2%
0.3%
30%
2017 YoY
Mortgage
Appraisal
Market Share5
Growth
4. 4
How Our Network Management Platform Works
1. Based on Real Matters` actual average for a standard interior appraisal in Prince William County, VA, during Fiscal Q3 and Q4 2016 (April to September 2016). Traditional Appraisal Management Company turn times and defect rates are management estimates of average competitor
metrics based on internal market research and do not relate to any particular competitor or geographic region.
2 to 35%
Increased Client Market Share (illustrative)
1 2
4
$77
$28
$12
$355
Appraiser Fee
Ave. Direct Cost Per Appraisal
Cost to Serve
Contribution Margin
Best Performing Appraiser
Case Study: Prince William County, Virginia1
$472
Lender Fee
Real Matters
3
Traditional
AMC
Turn Time 7-9 days 5.3 days
Defect Rate 15-20% 5.6%
Real
Matters
Better Performance
Case Study: Prince William County, Virginia1
5. 5
Established and Growing Blue Chip Client Base
Client Engagement Activities
Request for Information
Request for Proposal
On-site Visits
Master Services Agreement
Audits
Technology Integration
Roll-out Plan
Market Share Expansion
After Deployment
Year 1
BUILD
Year 2
GROW
Year 3
OPTIMIZE
0-15% 35-40%
• Blue-chip client base developed over lengthy and
complex sales cycle
• Proven compliance and regulatory systems in place to
meet client requirements and help retain and develop
key clients
Up to 5 Years to get to 1st Transaction
Lengthy and Complex Sales Cycle Developed Blue Chip Client Base
29% 28%
35%
8%
Tier 1 Tier 2 Tier 3 Tier 4
~7,000
Mortgage
Banks,
Lenders
and Credit
Unions
31-100
Mortgage
Banks,
Lenders
and Credit
Unions
7-30
Mortgage
Banks,
Lenders
and Credit
Unions
Top 5 Banks
by Asset
Size and the
Largest
Non-Bank
Mortgage
Lender
Source: Inside Mortgage Finance Top 100 Mortgage Lenders List – March 31, 2017
U.S. Customer Segmentation
Real Matters clients include 60 of top 100 mortgage
lenders in the U.S.1 and all Tier 1 mortgage lenders
1. Based on having completed at least one transaction with Real Matters in the fiscal year ended September 30, 2017. Top 100 mortgage lenders according to Inside Mortgage Finance website: Top 100 Mortgage Lenders (12 months ended December 31, 2016).
6. 6
Track Record of Increasing Appraisal Market Share with Clients
6
• Tier 1 mortgage lenders represent approximately 30%3 of annual
spend on residential mortgage appraisals
• Real Matters often obtains more transaction volume relative to
competitors based on its ability to outperform
• Real Matters has historically developed long-term client relationships
and achieved a client retention rate of approximately 95%4
30%3
Recent launches with Tier 1 clients
through typical cycle are expected to
result in significant market share
increases over the next 5 years
1. Appraisal Market Share based on management estimates based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017. 2. CAGR means Compound Annual Growth Rate. 3. Management estimates based on Inside Mortgage Finance website: Top 100 Mortgage
Lenders (12 months ended December 31, 2016). 4. Retention rate calculated since launch based on number of clients who have completed at least one transaction with the Company in the fiscal year ended September 30, 2017. Based on Real Matters clients on Inside Mortgage Finance
website: Top 100 Mortgage Lenders (12 months ended December 31 2016).
Case Studies Appraisal Market Share
MSAs with Tier 1 Lenders Drive Growth
FY2013 FY2014 FY2015 FY2016 FY2017
2.4%
6.5%
FY2021 Target
15% to 20%
28%
Mortgage
Appraisal
Market Share1
CAGR2
Tier 1 Lender A
Recently launched
Tier 1 Lender B
Tier 2 Lender A Tier 2 Lender B
0%
1.6%
3.5%
4.7% 4.7%
0 mth 1 mth 2 mth 3 mth 4 mth
2.0%
18.0%
20.0%
25.0%
29.0%
1 mth 6 mth 9 mth 12 mth 18 mth
10.0%
12.0%
25.0% 25.0%
40.0%
1 mth 6 mth 12 mth 24 mth 36 mth
1.0%
55.0%
85.0% 85.0% 85.0%
1 mth 6 mth 12 mth 24 mth 36 mth
7. 7
Porting Our Platform Approach in Appraisals to the Title and Closing Market
Title
Search
Closing
Network
Management
Escrow
Funding
Key Opportunities for Improvement
• Reducing the number of closings
that require the borrower to re-sign
• Improving network management to
prevent missed or re-scheduled
closing appointments
• Improve borrowers’ experience
Large Addressable Market
$13B includes purchase and refinance
Ability to sell title and closing to
existing appraisal clients through
existing MSAs
Key Business Opportunity Key Components of Title and Closing Business
Similar Mortgage Customer Base
Process Ripe for Disruption
1
2
3
Significant area of inefficiency
8. 8
Title and Closing Strategy Expands Addressable Market, Leverages Core Platform
Acquire Platform Growth Strategies
Acquired Linear Title & Closing in April 2016
• Full-service title and closing business
• Leading independent provider
• National U.S. footprint and license coverage area
• Established in-house search capabilities
• Deep understanding of industry requirements
• Currently servicing Tier 3 and 4 Tier mortgage lenders
Growth Strategies
2019
2013-2015
Title and closing identified as
strategic growth opportunity
2016 2017
May-Aug
Determined lender
key pain points
Apr 2016
Real Matters acquires Linear
Sep-Oct
Tested concepts
with existing clients
Nov-Feb
Developed technical
requirements
Feb-Mar
Developed initial
prototype
H2 2017
Pilot transactions
with select existing
clients
2018
2017
Launch beta
version
Launch Tier 2
mortgage lender
2019
Launch Tier 1
mortgage lender
1. Subject to a number of known and unknown risks. See “Forward-Looking Information” on page 2 of this Presentation.
Next Generation Closing Roll-Out Strategy1
1
2
Continue to grow existing Linear business
• Increase market share with existing Tier 3 and Tier 4 clients
• Grow pipeline of new Tier 3 and Tier 4 clients
• Offer title and closing services to existing Solidifi appraisal clients
Launch Next Generation Closing
• Solution geared toward servicing Tier 1 and Tier 2 clients
• Purchase and refinance strategy
8
9. 9
Large Addressable Market
• Includes both U.S. residential mortgage
appraisal market and title and closing market
• Focused on key large clients
• Top I00 mortgage lenders
represent ~90% of market
• Agents represent ~70%
of market
• Primarily focused on
centralized refinance title
today
Total Addressable Market3Appraisal Market1 Title & Closing Market2
• Increased regulation
• Lenders increasingly focused on core operations
• Lenders increasingly focused on end consumer
• Growing role of technology
$16B$3B $13B
Industry Trends
1. Management estimates based on data for calendar year 2016 from the MBA Mortgage Finance Forecast Report of October 24, 2017. 2. Title Written Premiums data from the American Land Title Association as of June 30, 2016. 3. Management estimates of the residential mortgage
appraisal market size for calendar 2016 based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017, plus management estimates of the title market size measured by written premium based data from American Land Title Association Data as of June 30, 2017.
Total addressable market based on roll-out of the Company’s Next Generation Closing strategy. 9
10. Growth Strategy
Disrupt title and closing market
$13B3 annual U.S. market spend – current market share of approximately 0.3%4
• Leverage our Platform to disrupt the closing process and drive better performance
• Leverage existing Tier 1 and Tier 2 MSAs to accelerate sales cycle
Continue to pursue acquisition opportunities
• Leverage our Platform
• Strategically complement existing business
Continue to grow residential mortgage appraisal market share
$3.2B1 annual U.S. market spend – current market share of approximately 6.5%2
• Deployment of recent Tier 1 client wins expected to drive growth
1. Management estimates based on MBA Mortgage Finance Forecast Report of October 24, 2017. 2. Management estimates based on data from the MBA Mortgage Finance Forecast Report of October 24, 2017. 3.Title Written Premiums data from the American Land Title
Association as of June 30, 2017. 4. Management estimate of Residential Title Written Premium Market Share based on data from the American Land Title Association as of June 30, 2017 and Demotech, Inc. for period ending December 31, 2015. 10
11. Market Share Targets1 At End of F2017 FY2021 Target
Total U.S. Residential Mortgage Appraisal Market Spend $3.2B2
U.S. Mortgage Appraisal Market Share 6.5%3 15% to 20%
Total U.S. Title and Closing Market Spend $13B4
U.S. Title and Closing Market Share 0.3%5 1% to 3%
Long-Term Target Operating Model
Financial Targets Baseline FY2021 Target
Revenues CAGR6 38%7 20% to 25%
Net Revenue8 Margin (% of revenues) 31%9 35% to 40%
Adjusted EBITDA10 Margin (% of Net Revenue) 10%11 25% to 30%
1. Subject to a number of known and unknown risks. See “Forward-looking Information” on page 2 of this Presentation. 2. Management estimates based on data for fiscal 2017 from the MBA Mortgage Finance Forecast Report of October 24, 2017. 3. Management estimates based on
data from the MBA Mortgage Finance Forecast Report of October 24, 2017. 4. Title Written Premiums data from the American Land Title Association as of June 30, 2017. 5. Management estimate of Residential Title Written Premium Market Share based on data from the American
Land Title Association as of June 30, 2017 and Demotech, Inc. for period ending December 31, 2015. 6. CAGR means compound annual growth rate. 7. Revenue CAGR for Real Matters F2014 to F2017. 8. Net Revenue is a Non-GAAP Measure. See “Non-GAAP Measures” on page 2 of
this Presentation. 9. Net Revenue Margin for Real Matters for fiscal 2017. 10. Adjusted EBITDA is a Non-GAAP Measure. See “Non-GAAP Measures” on page 2 of this Presentation. 11. Adjusted EBITDA Margins for Real Matters for fiscal 2017
11
13. Consolidated Market Adjusted Revenue Growth of 19%
(28% in appraisal, 4% in title and closing)
Appraisal
• New Tier 2 lenders
• Ranked #1 on Tier 1 lender scorecards
Q1 2018 Highlights
13
Quarterly U.S. Revenues vs. Average U.S. Mortgage Origination Market
Purchase Originations (billions) Rate Refinance Originations (billions)
Source: July MBA, Fannie Mae and Freddie Mac
Title and Closing
• Significantly advanced Top 100 pipeline
+30%
2016-2017
Appraisal
Market
Share
$396
$372
$525
$583
$542
$389
$476 $477
$416
$349
$475 $470
$44 $46
$77
$81 $79
$65
$77
$83
$74
$0
$10
$20
$30
$40
$50
$60
$70
$80
$90
$0
$100
$200
$300
$400
$500
$600
$700
FY16 - Q1 FY16 - Q2 FY16 - Q3 FY16 - Q4 FY17 - Q1 FY17 - Q2 FY17 - Q3 FY17 - Q4 FY18 - Q1 FY18 - Q2 FY18 - Q3 FY18 - Q4
Total Real Matters Revenues (millions)
14. Q1 2018 Segment Revenue
Q1 2018 Q1 2017 Change
U.S.
Appraisal and Ancillary $49.9 $49.7 0.5%
Title and Closing 16.2 21.7 (26%)
Other 0.3 0.4 -
Total U.S. $66.4 $71.8 (7%)
Canada
Appraisal and Ancillary $6.5 $6.2 5%
Other 0.9 0.9 -
Total Canada $7.4 $7.1 4%
14
• Modest increase in U.S. appraisal and ancillary revenues related to market share gains and new customers.
• Decline in the refinance mortgage origination market significantly impacted title and closing revenues due
to its high correlation to refinance related volumes.
• Increase in Canadian appraisal and ancillary due to higher volumes and FX, partially offset by lower market activity.
15. Q1 2018 Summary Financial Information
Q1 2018 Q1 2017 Change
Revenues $73.9 $78.9 (6%)
Net Revenue1 $22.5 $26.0 (14%)
Adjusted EBITDA1 $2.4 $5.5 (56%)
Net loss $(5.4) $(2.3) −
Adjusted
Net Income1 $1.3 $1.9 (34%)
151. Net Revenue, Adjusted EBITDA and Adjusted Net Income are Non-GAAP measures. See pages 7-9.
• Organic revenue growth driven by market share gains and new clients helped offset the estimated market decline.
• Q1 2018 included acquisition revenue of $1.1 million from the consolidation of joint ventures previously
accounted for as equity investees.
• Net revenue margins impacted by change in revenue mix in the U.S., lower margin work completed in our title and
closing service line and transition of certain title and closing service offerings to a network management model.
• Network effect in appraisal business delivered margin improvements in the first quarter of 2018.
• Higher operating expenses in Corporate segment included stock-based compensation expense and higher public
company costs – remainder of the opex increase driven by investment to support our growth.
17. Net Revenue
Net Revenue should not be construed as a measure of income or of cash flows. The reconciling items
between net income or loss and Net Revenue are detailed in the unaudited condensed consolidated
statement of operations and comprehensive income or loss for the three months ended December 31,
2017 and 2016. A reconciliation between net income or loss and Net Revenue is provided below.
Management typically calculates Net Revenue as follows:
17
2017 2016
Net loss (5,389)$ (2,285)$
Operating expenses 20,378 20,522
Acquisition and IPO (recovery) costs (7) 421
Integration expenses 50 -
Amortization 5,316 5,198
Interest expense 156 254
Interest income (106) -
Net foreign exchange gain (642) (3,741)
(Gain) loss on fair value of warrants (767) 4,505
Re-measurement gain on previously held
equity method investment (499) -
Net income from equity accounted investees - (105)
Income tax expense 3,995 1,248
Net Revenue 22,485$ 26,017$
Three months ended December 31
2017 2016
Revenues 73,870$ 78,894$
Less: Transaction costs 51,385 52,877
Net Revenue 22,485$ 26,017$
Three months ended December 31
18. Adjusted EBITDA
Management typically calculates Adjusted EBITDA as follows:
18
2017 2016
Net loss (5,389)$ (2,285)$
Stock-based compensation expense 284 -
Acquisition and IPO (recovery) costs (7) 421
Integration expenses 50 -
Amortization 5,316 5,198
Interest expense 156 254
Interest income (106) -
Net foreign exchange gain (642) (3,741)
(Gain) loss on fair value of warrants (767) 4,505
Re-measurement gain on previously held
equity method investment (499) -
Net income from equity accounted investees - (105)
Income tax expense 3,995 1,248
Adjusted EBITDA 2,391$ 5,495$
Three months ended December 31
2017 2016
Revenues 73,870$ 78,894$
Less: Transaction costs 51,385 52,877
Less: Operating expenses 20,378 20,522
Add: Stock-based compensation expense 284 -
Adjusted EBITDA 2,391$ 5,495$
Three months ended December 31
19. Adjusted Net Income
19
2017 2016
Net loss (5,389)$ (2,285)$
Stock-based compensation expense 284 -
Acquisition and IPO (recovery) costs (7) 421
Integration expenses 50 -
Amortization of intangibles 4,890 4,814
Net foreign exchange gain (642) (3,741)
(Gain) loss on fair value of warrants (767) 4,505
Re-measurement gain on previously held
equity method investment (499) -
Related tax effects (1,371) (1,818)
Impact of the statutory income tax rate change (U.S. tax reform) 4,707 -
Adjusted Net Income 1,256$ 1,896$
Weighted average number of shares
outstanding (thousands), diluted 92,084 82,760
Adjusted Net Income per weighted average share, diluted 0.01$ 0.02$
Three months ended December 31