Content analysis
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New words:
accrual, actuarial, Africa, annuity, APAC, Asia, attach, breadth, build, buy, Canada, Captura, categorize, CODM, commitment, confident, consumption, covering, decide, decision, deepen, depth, description, differentiated, distributor, East, easy, eligible, em, EMEA, environmental, Europe, frozen, geographic, ISV, Kingdom, LATAM, lifecycle, Ltda, magnitude, maker, Middle, model, modifying, multiple, nature, noncontributory, owed, Pacific, pension, projected, realigned, Realignment, recast, retrospectively, shortfall, Skytef, Sled, spending, statutory, strength, striving, student, suite, tailored, thousand, title, traditional, transitory, vested, view
Removed:
accelerated, accept, agreed, allocation, attributed, billing, buyer, Carat, case, center, central, complement, core, Costa, declined, deductible, depending, developer, dilution, engineering, enhanced, existed, expenditure, extending, final, Fintech, Finxact, force, forecasted, functionality, hardware, human, improved, increasing, incremental, India, involved, ISO, Korea, ledger, LIBOR, marketing, modernization, moving, mutual, mutually, NexTable, OrangeData, organization, origination, Output, outsourced, outsourcing, Overnight, powering, preliminary, QR, reservation, restaurant, retail, Rica, ROU, run, Secured, select, SIS, SOFR, support, tangible, technical, terminate, transact, transacted, transformation, transition, trend, Troubled, type, vary, Vintage, voluntary, wide, Yacar
Financial report summary
?Competition
Diebold Nixdorf Inc - Ordinary Shares- • NCR Voyix • Jack Henry & Associates • ACI Worldwide • CSG Systems International • Moody`s • Usio • Global Payments • Corpay • Genesis FinancialRisks
- We operate in a competitive business environment and may not be able to compete effectively.
- If we fail to keep pace with technological change, including as a result of artificial intelligence, we could lose clients or have trouble attracting new clients, and our ability to grow may be limited.
- If we are unable to renew contracts on favorable terms or if contracts are terminated prematurely, we could lose clients and our results of operations and financial condition may be adversely affected.
- Changes in card association and debit network fees or products could increase costs or otherwise limit our operations.
- Our business depends, in part, on our merchant relationships and alliances, and if we are unable to maintain these relationships and alliances, our business may be adversely affected.
- Consolidations in the banking and financial services industry could adversely affect our revenue by eliminating existing or potential clients and making us more dependent on fewer clients.
- Security incidents or other technological risks involving our systems and data, or those of our clients, partners or vendors, could expose us to liability or damage our reputation.
- Operational failures and resulting interruptions in the availability of our products or services could harm our business and reputation.
- Disruptions of operations of other participants in the global financial system could prevent us from delivering our products and services.
- We may experience software defects, development delays or installation difficulties, which would harm our business and reputation and expose us to potential liability.
- Our business may be adversely affected by geopolitical and other risks associated with operations outside of the U.S. and, as we continue to expand internationally, we may incur higher than anticipated costs and may become more susceptible to these risks.
- Our business is impacted by U.S. and global market and economic conditions.
- Potential tariffs or trade wars could increase the cost of our products, which could adversely impact the competitiveness of our products and our financial results.
- If we or third parties with whom we partner or contract fail to comply with applicable laws and regulations, we could be subject to liability and our business could be harmed.
- If we fail to comply with the applicable requirements of the payment card networks and Nacha, they could seek to fine us, suspend us or terminate our registrations, which could adversely affect our business.
- A heightened regulatory environment in the financial services industry may have an adverse impact on our clients and our business.
- Legislative or regulatory initiatives on cybersecurity and data privacy could adversely impact our business and financial results.
- We may be sued for infringing the intellectual property rights of others.
- Misappropriation of our intellectual property and proprietary rights could impair our competitive position.
- The failure to attract and retain key personnel could have a material adverse effect on our business.
- Losses due to chargebacks, refunds or returns could have a material adverse effect on our business, results of operations and financial condition.
- Acquisitions subject us to risks, including assumption of unforeseen liabilities and difficulties in integrating operations.
- We may be obligated to indemnify the purchasers of businesses pursuant to the terms of the relevant purchase and sale agreements.
- Our balance sheet includes significant amounts of goodwill and intangible assets. The impairment of a significant portion of these assets would negatively affect our results of operations.
- Existing or future leverage may harm our financial condition and results of operations.
- Our results of operations may be adversely affected by changes in foreign currency exchange rates.
Management Discussion
- (1)Percentage of revenue is calculated as the relevant revenue, expense or income amount divided by total revenue, except for cost of processing and services and cost of product amounts, which are divided by the related component of revenue.
- (1)Represents the basis point growth in operating margin.
- Operating margin percentages are calculated using actual, unrounded amounts.