Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. sophomore Avg
|
New words:
affirmative, annum, ASU, BofA, default, Deferral, enacted, enhance, enhanced, entity, Erosion, Fargo, FASB, flat, framework, hand, jointly, legislation, lender, LLC, November, ongoing, ordinary, party, permitted, Pillar, PNC, proposed, reborrowed, reconciliation, repay, set, Shifting, Springing, sublimit, sufficient, TD, Topic, translation, transparency, USA
Removed:
adjustment, amend, Bureau, CFPB, closed, Columbia, corrective, defendant, Delayed, District, divest, divested, divestiture, entertainment, established, exceed, extend, Extension, file, final, gain, gave, generating, inadvertent, intellectual, June, LIBOR, meant, OEP, order, pending, planned, Protection, purportedly, Refining, reimburse, remained, replaced, restate, restoring, reversing, September, servicing, transmission, transmitted, TSA, weakening
Financial report summary
?Competition
NCR Voyix • Fiserv • Nic • Mastercard Incorporated - Ordinary Shares • Visa Inc - Ordinary Shares • Repay Holdings Corporation - Ordinary SharesRisks
- The markets in which we compete are rapidly changing and highly competitive, and we may not be able to compete effectively.
- If we experience business interruptions or failure of our information technology and communication systems, the availability of our products and services could be interrupted which could adversely affect our reputation, business and financial condition.
- If our security measures are breached or become infected with a computer virus, or if our services are subject to attacks that degrade or deny the ability of users to access our products or services, our business may be harmed by disrupting delivery of services and damaging our reputation.
- If we engage in acquisitions, strategic partnerships or significant investments in new business, we will be exposed to risks which could materially adversely affect our business.
- Failure to successfully complete divestitures or other restructuring activities could negatively affect our operations.
- We may experience difficulties implementing our strategy, and the strategy could prove unsuccessful in growing our business.
- Certain anti-takeover provisions contained in our charter and under Delaware law could hinder a takeover attempt.
- Certain payment funding methods expose us to the credit and/or operating risk of our clients.
- Potential customers may be reluctant to switch to a new vendor, which may adversely affect our growth, both in the United States and internationally.
- We may be unable to protect our intellectual property and technology.
- We may be subject to increasing litigation over our intellectual property rights.
- We are engaged in offshore software development activities, which may not be successful and which may put our intellectual property at risk.
- There are a number of risks associated with our international operations that could have a material impact on our operations and financial condition.
- Recent events in eastern Europe and the Middle East present challenges and risks to us, and no assurances can be given that current or future developments would not have a material adverse effect on our business, results of operations and financial condition.
- Global economic conditions could reduce the demand for our products and services or otherwise adversely impact our cash flows, operating results and financial condition.
- Our business may be negatively affected by domestic and global economic and credit conditions.
- If our products and services fail to comply with legislation, government regulations, and industry standards to which our customers are subject, it could result in a loss of customers and decreased revenue.
- Our software products may contain undetected errors or other defects, which could damage our reputation with customers, decrease profitability, and expose us to liability.
- If we fail to comply with the complex regulations applicable to our payments business, we could be subject to liability or our revenues may be reduced.
- Our business could be harmed if we fail to comply with privacy and cybersecurity laws and regulations imposed on providers of services to financial institutions.
- We may face exposure to unknown tax liabilities, which could adversely affect our financial condition, cash flows and/or results of operations.
- Changes in tax laws and regulations could adversely affect our results of operations and cash flows from operations.
- Consolidations and failures in the financial services industry may adversely impact the number of customers and our revenues in the future.
- Our stock price may be volatile.
- Our future profitability depends on demand for our products.
- Failure to obtain renewals of customer contracts or obtain such renewals on favorable terms could adversely affect our results of operations and financial condition.
- The delay or cancellation of a customer project or inaccurate project completion estimates may adversely affect our operating results and financial performance.
- Our balance sheet includes significant amounts of goodwill and intangible assets. The impairment of a significant portion of these assets could negatively affect our financial results.
- Management’s backlog estimate may not be accurate and may not generate the predicted revenues.
- Our revenue and earnings are highly cyclical, our quarterly results fluctuate significantly, and we have revenue-generating transactions concentrated in the final weeks of a quarter which may prevent accurate forecasting of our financial results and cause our stock price to decline.
- Our outstanding debt contains restrictions and other financial covenants that limit our flexibility in operating our business.
- Our existing levels of debt and debt service requirements may adversely affect our financial condition or operational flexibility and prevent us from fulfilling our obligations under our outstanding indebtedness.
- Despite our current levels of debt, we may still incur substantially more debt, including secured debt, and similar liabilities,
- which would increase the risks described in these risk factors relating to indebtedness.
- If our revenues or mix of revenues are below anticipated levels or if our operating results are below analyst or investor expectations, the market price of our common stock could be adversely affected.
Management Discussion
- ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
- This report contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as “believes,” “will,” “expects,” “anticipates,” “intends,” and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995, as amended.
- Forward-looking statements in this report include, but are not limited to, statements regarding future operations, business strategy, business environment, key trends, and, in each case, statements related to expected financial and other benefits. Many of these factors will be important in determining our actual future results. Any or all of the forward-looking statements in this report may turn out to be incorrect. They may be based on inaccurate assumptions or may not account for known or unknown risks and uncertainties. Consequently, no forward-looking statement can be guaranteed. Actual future results may vary materially from those expressed or implied in any forward-looking statements, and our business, financial condition and results of operations could be materially and adversely affected. In addition, we disclaim any obligation to update any forward-looking statements after the date of this report, except as required by law.