10-QPeriod: Q1 FY2012

Fidelity National Information Services, Inc. Quarterly Report for Q1 Ended Mar 31, 2012

Filed May 4, 2012For Securities:FIS

Summary

Fidelity National Information Services, Inc. (FIS) reported solid revenue growth of 4.6% year-over-year for the first quarter of 2012, reaching $1.45 billion. This growth was primarily driven by increased processing volumes, transaction growth, and demand for professional services across its key segments: Financial Solutions Group (FSG), Payment Solutions Group (PSG), and International Solutions Group (ISG). The company demonstrated improved profitability, with gross profit increasing by 12.7% and operating income rising by 7.3%, leading to an expansion in both gross and operating margins. Despite some headwinds such as unfavorable foreign currency impacts and a decline in check processing, FIS is strategically positioned to benefit from the ongoing migration of financial institutions towards outsourced models and the evolving electronic payments market. FIS maintains a strong financial position with $481.7 million in cash and cash equivalents as of March 31, 2012, and has taken steps to strengthen its credit facility. The company has also increased its quarterly dividend to $0.20 per share, signaling confidence in its future cash flows. However, investors should be aware of ongoing risks, including potential impacts from regulatory changes like the Dodd-Frank Act, industry consolidation, and cybersecurity threats, which the company is actively addressing through investments and strategic initiatives.

Financial Statements
Beta
Revenue$1.41B
Gross Profit$423.90M
SG&A Expenses$201.40M
Operating Expenses$1.19B
Operating Income$222.50M
Net Income$87.10M
EPS (Basic)$0.30
EPS (Diluted)$0.29
Shares Outstanding (Basic)289.70M
Shares Outstanding (Diluted)295.40M

Key Highlights

  • 1Revenue increased by 4.6% to $1.45 billion in Q1 2012 compared to Q1 2011, driven by transaction growth and professional services demand.
  • 2Gross profit rose by 12.7% to $436.6 million, with gross margin improving to 30.2% from 28.0% year-over-year due to higher-margin revenue and cost management.
  • 3Operating income grew by 7.3% to $229.5 million, with operating margin slightly improving to 15.9% from 15.5%.
  • 4The company increased its quarterly dividend to $0.20 per share, indicating confidence in its financial health and cash generation capabilities.
  • 5FIS is investing in cybersecurity initiatives to mitigate increasing risks, allocating capital expenditures towards enhancing security measures.
  • 6Despite a $10.4 million unfavorable foreign currency impact due to a stronger US Dollar, international operations showed growth, particularly in Brazil and Europe.
  • 7The company has amended and restated its syndicated credit agreement, providing significant committed capital and flexibility for future operations.

Frequently Asked Questions

FIS's revenue growth was primarily driven by increased processing volumes, transaction growth, and a rising demand for professional services. Growth in electronic payment services, eBanking, mobile banking, and risk/fraud/compliance products also contributed significantly, offsetting declines in check processing and retail check activity.

FIS is actively monitoring and preparing for the impacts of the Dodd-Frank Act and associated regulations like the Durbin Amendment. While the Durbin Amendment's cap on debit transaction interchange fees could alter transaction volumes, FIS believes it is competitively positioned to adapt by offering multiple payment solutions. The company may need to make capital investments to ensure compliance and adapt its products and services.

FIS recognizes the increasing risks associated with cyber-attacks and external threats. The company is making significant investments in cybersecurity initiatives, including capital expenditures to enhance operational security. These investments aim to reduce risks for FIS and its clients, improve intrusion detection, and limit damages from potential future security events. The company has also been actively engaged with regulators following a past security incident.

Industry consolidation, particularly among financial institutions, can be detrimental as merging entities may consolidate systems or bring services in-house. However, FIS may benefit if its services are chosen to support the combined entity. The company seeks to mitigate these risks by offering competitive services and capitalizing on opportunities presented by mergers and acquisitions.