| In millions, except per share items | Dec-31-08 | Dec-31-07 | Dec-31-06 | Dec-31-05 | Dec-31-04 | Dec-31-03 | Dec-31-02 | Dec-31-01 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K/A | 10-K | 10-K |
| Revenues: |
| Financial Institution Services | 73.9 | 48.5 | 47.5 | 29.7 | 30.6 | 33.6 | | |
| Financial Institution Service Fees | | | | | 30.4 | 33.1 | | |
| Accounts Receivable Financing | | | | | | | 44.1 | |
| Other | 7.7 | 8.2 | 8.2 | 8.7 | | | 10.5 | |
| Total revenues | 81.6 | 56.7 | 55.7 | 38.4 | 39.6 | 42.7 | 54.5 | 55.8 |
| Revenue growth [+] | 43.9% | 1.8% | 45.1% | -3.3% | -7.2% | -21.7% | -2.2% | -1.3% |
| Financial Institution Services | 52.4% | 2.1% | 59.9% | -3.2% | -8.8% | | | |
| Financial Institution Service Fees | | | | | -8.0% | | | |
| Participation fees | | | | | | | -15.7% | -7.9% |
| Cost of goods sold | 20.9 | 12.4 | 10.5 | 4.0 | 3.6 | 4.0 | 47.7 | 52.8 |
| Gross profit | 60.7 | 44.3 | 45.2 | 34.4 | 36.1 | 38.7 | 6.9 | 3.0 |
| Gross margin | 74.4% | 78.2% | 81.1% | 89.7% | 90.9% | 90.6% | 12.6% | 5.4% |
| Selling, general and administrative [+] | 44.8 | 38.3 | 41.6 | 29.6 | 31.0 | 33.1 | 44.9 | 45.9 |
| Sales and marketing | 20.7 | 17.5 | 18.8 | 17.5 | 17.4 | 16.4 | 21.9 | 22.5 |
| General and administrative | 24.1 | 20.9 | 22.8 | 12.1 | 13.6 | 16.8 | 23.0 | 23.4 |
| Research and development | 6.9 | 2.3 | 1.1 | 0.3 | 0.4 | 0.4 | 0.9 | 1.3 |
| Other operating expenses | 6.4 | 2.4 | 3.6 | 0.4 | 1.8 | 0.7 | -45.8 | -47.2 |
| EBITDA [+] | 10.9 | 5.8 | 3.2 | 6.1 | 5.7 | 8.6 | 11.9 | 7.5 |
| EBITDA growth | 88.0% | 80.0% | -47.7% | 8.0% | -34.0% | -28.0% | 59.5% | -54.0% |
| EBITDA margin | 13.3% | 10.2% | 5.8% | 16.0% | 14.3% | 20.1% | 21.9% | 13.4% |
| Depreciation | 3.5 | 2.1 | 2.3 | 1.6 | 2.5 | 3.3 | 3.3 | 3.2 |
| EBITA | 7.4 | 3.6 | 0.9 | 4.5 | 3.2 | 5.3 | 8.7 | 4.3 |
| EBITA margin | 9.0% | 6.4% | 1.5% | 11.7% | 8.0% | 12.4% | 15.9% | 7.6% |
| Amortization of intangibles | 4.8 | 2.4 | 2.0 | 0.4 | 0.4 | 0.8 | 1.8 | 1.3 |
| EBIT [+] | 2.5 | 1.3 | -1.1 | 4.1 | 2.8 | 4.4 | 6.9 | 3.0 |
| EBIT growth | 100.2% | -213.0% | -127.6% | 43.8% | -36.2% | -35.4% | 128.6% | -76.5% |
| EBIT margin | 3.1% | 2.2% | -2.0% | 10.6% | 7.1% | 10.4% | 12.6% | 5.4% |
| Non-recurring items [+] | 38.1 | | | | | | | |
| Asset impairment | 38.1 | | | | | | | |
| Interest expense | 3.1 | 0.6 | 2.6 | 0.4 | 0.5 | 1.5 | 1.8 | 3.3 |
| Interest expense | 3.1 | 0.6 | 2.6 | 0.4 | 0.5 | 1.5 | 1.8 | 3.3 |
| Other income (expense), net | | | | | 0.3 | | | |
| Pre-tax income | -38.7 | 0.7 | -3.7 | 3.7 | 2.6 | 2.9 | 5.1 | -0.3 |
| Income taxes | 0.1 | 1.3 | -0.8 | 1.4 | 0.1 | 1.2 | 2.0 | -0.1 |
| Tax rate | | 184.5% | 20.2% | 36.8% | 2.4% | 39.0% | 39.0% | 38.9% |
| Net income | -38.8 | -0.6 | 0.0 | 0.0 | 0.0 | 1.6 | 2.9 | -0.3 |
| Net margin | -47.6% | -1.0% | 0.0% | 0.0% | 0.0% | 3.8% | 5.4% | -0.5% |
| |
| Basic EPS [+] | ($2.03) | ($0.03) | ($3.62) | $0.06 | $0.18 | $0.12 | $0.21 | ($0.02) |
| Growth | 6666.7% | -99.2% | -6133.3% | -66.7% | 50.0% | -42.9% | -1150.0% | -103.7% |
| Diluted EPS [+] | ($2.03) | ($0.03) | ($3.62) | $0.06 | $0.17 | $0.12 | $0.20 | ($0.02) |
| Growth | 6666.7% | -99.2% | -6133.3% | -64.7% | 41.7% | -40.0% | -1100.0% | -103.7% |
| |
| Shares outstanding (basic) [+] | 19.1 | 19.2 | 0.0 | 0.0 | 0.0 | 13.7 | 14.0 | 13.5 |
| Growth | -0.4% | 310768.6% | 111.8% | 2.1% | -100.0% | -2.3% | 3.5% | 45.1% |
| Shares outstanding (diluted) [+] | 19.1 | 19.2 | 0.0 | 0.0 | 0.0 | 13.7 | 14.7 | 13.5 |
| Growth | -0.4% | 310768.6% | 111.8% | -3.5% | -100.0% | -6.9% | 8.6% | 45.1% |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |