FreedomPay + Nuvei | 統合型コマースおよびグローバル決済ソリューション

どこでも成長する準備はできていますか？

Nuveiを今すぐ始めましょう。あらゆる場所でのあらゆる決済を支える成長インフラです。拡張性を考慮して構築された、インテリジェントなシステムです。

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Interim consolidated statements of profit or loss and comprehensive loss
(In thousands of U.S. dollars except for per share amounts)	Three months ended September 30				Nine months ended September 30
2020		2019		2020		2019
$		$		$		$

Revenue	93,599		70,752		259,165		166,489
Cost of revenue	17,007		12,173		45,736		27,683
Gross profit	76,592		58,579		213,429		138,806

Selling, general and administrative	61,398		62,689		168,499		138,405
Operating profit (loss)	15,194		(4,110)		44,930		401

Finance income	(1,375)		(1,532)		(4,170)		(4,058)
Finance costs	90,933		62,069		171,368		71,386
Net finance costs	89,558		60,537		167,198		67,328
Loss before income tax	(74,364)		(64,647)		(122,268)		(66,927)
Income tax expense (recovery)	3,505		1,049		3,979		(539)
Net loss	(77,869)		(65,696)		(126,247)		(66,388)

Other comprehensive income (loss)
Foreign operations – foreign currency translation differences	(8,849)		1,836		14,461		843
Total comprehensive loss	(86,718)		(63,860)		(111,786)		(65,545)


Net income (loss) attributable to:	(78,579)		(66,054)		(127,956)		(66,915)
Shareholders of the Company	710		358		1,709		527
Non-controlling interest	(77,869)		(65,696)		(126,247)		(66,388)

Comprehensive imcome (loss) attributable to
Shareholders of the Company	(87,428)		(64,218)		(113,495)		(66,072)
Non-controlling interest	710		358		1,709		527
	(86,718)		(63,860)		(111,786)		(65,545)

Net loss per share attributable to common shareholders of the company
Basic and diluted	(0.88)		(1.10)		(1.49)		(1.11)

No of shares weighted average	89,217,178		60,072,213		86,153,927		60,072,213

Consolidated statements of financial position
(in thousands of U.S. dollars)
		September 30,	December 31,
2020	2019
$	$

Assets

Current assets
Cash		99,426	60,072
Trade and other receivables		31,880	34,069
Inventory		540	709
Prepaid expenses		1,648	964
Current portion of advances to third parties		7,914	8,901
Current portion of contract assets		1,755	1,720

Total current assets before segregated funds		143,163	106,435
Segregated funds		301,352	200,612

Total current assets		444,515	307,047

Non-current assets
Advances to third parties		41,442	42,584
Property and equipment		15,228	15,272
Intangible assets		362,234	408,380
Goodwill		760,833	768,497
Contract assets		1,291	1,426
Processor deposits		13,292	12,478
Other non-current assets		1,851	3,088

Total Assets		1,640,686	1,558,772

Liabilities

Current liabilities
Trade and other payables		57,477	51,258
Income taxes payable		153	2,866
Current portion of loans and borrowings		2,319	2,874
Other current liabilities		4,196	9,875
Liability-classified common shares		–	58,262
Liability-classified preferred shares		–	39,967

Total current liabilities before due to merchants		64,145	165,102
Due to merchants		301,352	200,612

Total current liabilities		365,497	365,714

Non-current liabilities
Loans and borrowings		106,037	722,166
Deferred tax liabilities		7,572	12,976
Other non-current liabilities		2,263	4,875
Unsecured convertible debentures due to shareholders		–	109,022

Total Liabilities		481,369	1,214,753

Contingencies
Subsequent event
Equity

Equity attributable to shareholders
Share capital		1,371,043	450,523
Contributed surplus		8,767	1,603
Deficit		(232,768)	(104,812)
Accumulated other comprehensive income (loss)		4,076)	(10,385)

		1,151,118	336,929
Non-controlling interest		8,199	7,090

Total Equity		1,159,317	344,019

Total Liabilities and Equity		1,640,686	1,558,772

Interim consolidated statements of cash flows
(in thousands of U.S. dollars)
For the nine months ended September 30		2020	2019
$	$

Cash flows from operating activities
Net loss for the period		(126,247)	(66,388)
Adjustments for:
Depreciation of property and equipment		4,142	2,115
Amortization of intangible assets		47,121	31,969
Amortization of contract assets		1,697	1,809
Share-based payments		7,207	767
Net finance costs		167,198	67,328
Impairment on disposal of a subsidiary		338	–
Income tax expense (recovery)		3,979	(539)

Changes in non-cash working capital items		637	11,568

Interest paid		(42,293)	(21,089)
Net realized loss on foreign currency exchange		(5,937)	–
Income taxes paid		(10,579)	(2,083)

		47,263	25,457


Cash flows from (used in) investing activities
Business acquisitions, net of cash acquired		–	(780,196)
Decrease (increase) in other non-current assets		(1,080)	2,585
Proceeds from the sale of a subsidiary, net of cash		19,045	–
Sale of equity investments		–	21,800
Net decrease (increase) in advances to third parties		2,129	(13,564)
Acquisition of property and equipment		(1,701)	(1,349)
Acquisition of intangible assets		(10,570)	(4,663)

		7,823	(775,387)

Cash flows (used in) from financing activities
Transaction costs related to loans and borrowings		(293)	(27,491)
Redemption of preferred shares		–	(2,299)
Issuance of preferred shares		–	81,240
Issuance of convertible debentures due to shareholders		–	199,000
Repayment of convertible debentures due to shareholders		(93,384)	–
Issuance of Class B common shares		150	–
Issuance of Subordinate Voting Shares, net of issuance fees		719,886	–
Proceeds from loans and borrowings		–	629,509
Repayment of loans and borrowings		(642,786	(60,507)
Payment of lease liabilities		(691)	(701)

		(17,118)	818,751

Effect of movements in exchange rates on cash		1,386	40

Net increase in cash		39,354	68,861

Cash – Beginning of period		60,072	6,070

Cash – End of period		99,426	74,931

Reconciliation from IFRS to Non-IFRS Results	Three months ended September 30		Nine months ended September 30
(In thousands of U.S. dollars)	2020	2019	2020	2019
	$	$	$	$
Net loss	(77,869)	(65,696)	(126,247)	(66,388)
Finance costs	90,933	62,069	171,368	71,386
Finance income	(1,375)	(1,532)	(4,170)	(4,058)
Depreciation and amortization	16,931	15,357	51,263	34,084
Income tax expense (recovery)	3,505	1,049	3,979	(539)
Acquisition, integration and severance costs ^(a)	2,418	13,898	5,297	17,129
Share-based payments ^(b)	6,472	425	7,207	767
Net loss on foreign currency exchange ^(c)	778	125	3,118	2,602
Other^(d)	(802)	72	(146)	275
Adjusted EBITDA^(e)	40,991	25,767	111,669	55,258
Advance from third party – merchant residual received	3,848	3,085	9,515	7,368

(a) These expenses relate to (i) professional, legal, consulting, accounting and other fees and expenses related to our acquisitions and financing activities completed during the period and our initial public offering, (ii) acquisition-related compensation and deferred purchase consideration for previously acquired businesses, and (iii) integration expenses and severances paid.
(b) These expenses represent non-cash expenses recognized in connection with stock options and other awards issued under share-based plans.
(c) This includes gains or losses on foreign currency exchange included in selling, general and administration.
(d) This line item primarily represents legal settlements and associated legal costs reached outside of the normal course of business as well as non-cash gains, losses and provisions and certain other costs.
(e) Adjusted EBITDA is a non-IFRS measure that the Company uses to assess its operating performance and cash flows.

Reconciliation from IFRS to Non-IFRS Results	Three months ended September 30		Nine months ended September 30
(In thousands of U.S. dollars)	2020	2019	2020	2019
	$	$	$	$
Net loss	(77,869)	(65,696)	(126,247)	(66,388)
Change in redemption value of liability-classified common and preferred shares^(a)	58,952	35,720	76,438	38,128
Accelerated amortization of deferred transaction costs / loss on debt modification^(b)	24,491	4,830	24,491	4,830
Amortization of certain intangible assets ^(c)	14,161	12,485	43,211	28,234
Acquisition, integration and severance costs ^(d)	2,418	13,898	5,297	17,129
Share-based payments ^(e)	6,472	425	7,207	767
Net loss (gain) on foreign currency exchange ^(f)	(9,544)	2,021	17,889	(955)
Other ^(g)	(802)	72	(146)	275
Adjustments	96,148	69,451	174,387	88,408
Income tax expense related to adjustments	(1,824)	(1,563)	(5,646)	(5,038)
Adjusted net income ^(h)	16,455	2,192	42,494	16,982

Adjusted net income per share attributable to common shareholders of the company ⁽ⁱ⁾
ベーシック	0.18	0.03	0.47	0.27
Diluted	0.17	0.03	0.46	0.26


(a) This line item represents change in redemption value related to shares classified as liabilities prior to the IPO. As part of the IPO, the shares were converted into equity as Subordinate Voting Shares. For the liability-classified common shares, the expense represents the fair value adjustment for the corresponding period, with the three months ended September 30, 2020 amount representing the IPO value of $26 per Subordinate Voting Shares. These expenses are included in finance costs.(b) With the repayment of long-term debt from the IPO proceeds, the associated deferred transaction costs were recognized in finance costs for the three months ended September 30, 2020 on an accelerated pro-rata basis. Additionally, in 2019 a loss on debt modification was recognized because of the incremental debt taken to fund the SafeCharge acquisition.(c) This line item relates to amortization expense taken on intangible assets created from the purchase price adjustment process on acquired companies and businesses and from the acquisition of all of the outstanding shares of the predecessor by Nuvei in September 2017 (as further described in the 2019 notes to the audited consolidated financial statements).(d) These expenses relate to (i) professional, legal, consulting, accounting and other fees and expenses related to our acquisitions and financing activities completed during the period and our initial public offering, (ii) acquisition-related compensation and deferred purchase consideration for previously acquired businesses, and (iii) integration expenses and severances paid.(e) These expenses represent non-cash expenses recognized in connection with stock options and other awards issued under share-based plans.(f) This includes gains or losses on foreign currency exchange included in finance costs and selling, general and administration.(g) This line item primarily represents legal settlements and associated legal costs reached outside of the normal course of business as well as non-cash gains, losses and provisions and certain other costs.(h) Adjusted net income (loss) is a non-IFRS measure that the Company uses to further assess its operating performance.(i) Diluted Adjusted net income per share is calculated using stock options outstanding at the end of each period on a fully diluted basis if they were in-the-money at that time. Potentially dilutive instruments converted or reimbursed as part of the IPO have been excluded.

カナダ銀行送金のパワーでお支払いを簡素化、迅速化、安全に

シンプルで柔軟なオンライン銀行決済

究極の即時銀行送金ソリューション

摩擦のないフローと即時決済

英国銀行送金のパワーで、お支払いを簡素化、迅速化、安全に

シンプルで柔軟なオンライン銀行決済

セキュアでダイレクトな銀行決済で、楽々取引

摩擦のないフローと即時決済

EU銀行送金を利用して、お支払いを簡素化、迅速化、安全化しましょう。

迅速で信頼性の高いオンライン銀行決済

カードネットワークの制限を回避し、柔軟な支払いを実現

安全性の高い銀行送金でビジネスを保護

U.S.BankTransferでお支払いを簡素化、迅速化、安全に

シンプルで柔軟なACH決済

貴社のビジネスを確実に保護

アシュアード・エッセンシャル

アシュアード・コンプリート

安全でタイムリーな支払いのために、アカウントを即座に検証

ベーシック

強化された

プレミア

紙の小切手を電子的に処理する

小さな変化、大きな影響

ブランドのターボチャージ

バーチャルカードで取引を加速

正確さで成長を促進

業界に特化した決済ソリューションで優位に立つ

APIを活用した決済ソリューションで新たな可能性を引き出す

よりスピーディ、よりセキュアな入出金でサービスを向上

遅延のない瞬時の資金調達

リアルタイムのグローバル決済を活用

シームレスなチェックアウトのカスタマーエクスペリエンスを提供

より迅速な決済や清算、柔軟性とセキュリティにより競争力を獲得

シームレスな顧客体験を提供

消費者の選択肢と利便性を高める

他に類を見ない保護機能で決済を守ります

顧客コストを削減して利益とロイヤルティを向上

当社のグローバルな銀行ネットワークで成長を促進

‍米国銀行送金 ‍

EU銀行振込╱200D

英国銀行送金

カナダ銀行振込 ╱200D

自動化と合理化

自動化・合理化された取引管理

時間とコストを節減する完全管理されたソリューション

1つのダッシュボードで最高クラスのパフォーマンスを実現

使いやすいオーケストレーションハブ

承認率を最大化

支払い拒否された取引から収益を確保

多面的な保護

理解しやすい実用的なデータ

最高のビジネスライフを

大勢の人に認識される成功への道がここに

ターンキー暗号通貨

ステーブルコイン決済のパワーを体験

ブロックチェーンプロジェクトを主流に

手軽でセキュアな暗号通貨決済

デジタルエンターテイメントにおける支払いの将来性

Web 3.0 とメタバースへの移行を強化

期待を超えるサービスで顧客のスティッキネス (粘着性)を高める

高速・高信頼性のセキュアなデジタルバンキング

ブランドを飛躍的に加速

ビジネス目標に達するための資金調達： 銀行は不要

消費者信用オプションで収益を最大化

あらゆる段階における保護

チャージバックの検出、管理、削減

Visa & Mastercard の追加ツール

世界をローカルマーケットプレイスに

世界的に最も一般的な通貨で商品やサービスの価格を設定します

FX のマークアップでいっそうの収益を獲得し、より多くの海外顧客を魅了

ビジネスを守る重要性

Nuvei Shields Up で決済関係の詐欺被害とチャージバックを削減

顧客データの暗号化によるアクセスで、セキュアでスムーズな支払いを実現

セキュリティとコンプライアンスを確保

Smarter payments mean higher approvals

Remove unnecessary friction without compromising compliance

Send transactions through the rails that work hardest for you

Make the moment of truth work harder for you

Recover revenue with smarter retries

Full visibility. Real-time impact

ビジネス目標に達するための資金調達：銀行は不要

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