10-QPeriod: Q3 FY2010

Fidelity National Information Services, Inc. Quarterly Report for Q3 Ended Sep 30, 2010

Filed November 5, 2010For Securities:FIS

Summary

Fidelity National Information Services, Inc. (FIS) reported strong revenue and earnings growth for the nine months ended September 30, 2010, primarily driven by the successful integration of the Metavante Acquisition completed in October 2009. Consolidated revenue increased by 59.5% to $3.9 billion, with significant contributions from the Financial Solutions Group (FSG) and Payment Solutions Group (PSG) segments. This growth was bolstered by recurring revenue streams from multi-year agreements, increased transaction volumes, and a favorable foreign currency impact. Despite facing some headwinds in paper-based check businesses and one-time impairment charges related to the Brazilian venture, the company demonstrated improved operating margins, particularly in its core segments, reflecting effective synergy initiatives and cost management. The company's financial position shows robust cash flow from operations, which increased by $280.9 million year-over-year, largely due to the Metavante acquisition. FIS maintains a substantial debt load, with $5.1 billion in debt at quarter-end, following a leveraged recapitalization and the issuance of new senior notes. Management expects operating cash flows to be sufficient for operating needs and debt service. The company also reaffirmed its quarterly dividend of $0.05 per common share. Investors should note the significant impact of the Metavante acquisition, the ongoing integration efforts, the company's leverage profile, and the potential effects of evolving regulatory landscapes like the Dodd-Frank Act.

Financial Statements
Beta
Revenue$1.37B
Gross Profit$469.90M
SG&A Expenses$138.90M
Operating Expenses$1.19B
Operating Income$176.10M
Interest Expense$60.90M
Net Income$110.40M
EPS (Basic)$0.33
EPS (Diluted)$0.33
Shares Outstanding (Basic)332.20M
Shares Outstanding (Diluted)339.20M

Key Highlights

  • 1Total revenue for the nine months ended September 30, 2010, surged by 59.5% to $3.9 billion, largely attributable to the Metavante acquisition and a termination fee from the Brazilian card processing venture.
  • 2Net earnings attributable to FIS common stockholders increased significantly to $293.9 million for the nine-month period, up from $159.8 million in the prior year.
  • 3Operating income grew substantially, reaching $547.6 million for the nine-month period, reflecting strong performance in the Financial Solutions Group (FSG) and Payment Solutions Group (PSG) segments.
  • 4Gross margin improved considerably, rising from 25.0% to 30.8% for the nine-month period, driven by Metavante synergies and the termination fee.
  • 5The company completed a significant leveraged recapitalization, including a $2.5 billion stock repurchase program and the issuance of $1.1 billion in senior notes, alongside adding $1.5 billion in Term Loan B.
  • 6Cash flow from operations increased by $280.9 million to $785.9 million for the nine-month period, primarily due to incremental earnings from the Metavante acquisition.
  • 7Despite a $154.9 million impairment charge related to the Brazilian venture, the company's core business segments demonstrated resilience and growth.

Frequently Asked Questions

The primary driver of the significant revenue increase was the Metavante Acquisition, completed in October 2009. This acquisition contributed substantial incremental revenues across multiple segments. Additionally, a $83.3 million termination fee received from Banco Santander's exit from the Brazilian card processing venture also boosted revenues.

The Metavante Acquisition has significantly boosted operating income and gross profit. Management expects continued cost and revenue synergies through 2011 from this integration. The acquisition also led to increased selling, general, and administrative expenses due to integration costs, but the overall impact on profitability has been positive.

FIS has a substantial debt load totaling $5.1 billion as of September 30, 2010, following a leveraged recapitalization and the issuance of new senior notes. The company has a diversified credit facility and expects cash flows from operations to be sufficient for debt service. Management is actively managing interest rate risk through derivative instruments like interest rate swaps.

The Dodd-Frank Act includes provisions for new rules governing interchange and network fees for debit card transactions, effective in the third quarter of 2011. While the direct impact on FIS's revenues is currently unclear as regulations are still being drafted, these changes could affect interchange fee amounts for issuers with over $10 billion in assets. The legislation does not appear to directly affect credit card interchange fees but includes provisions related to retailer minimum purchase amounts for credit cards.