That's a bit like asking "If you take out earnings what are you have?"
But nonetheless, despite the train wreck that PCSIL has been, Gifting revenue (excluding interest) in 1H24 was +11% yoy with gross margins of 78%, and GDV was +6% with gross margins of 71%. Not too shabby. Now that the distraction of PCSIL and Sentenial are nearly gone and there is a renewing focus on growth and costs, I expect these numbers to improve going forward.
ALTO FOX our largest holder, page-23
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