Online Resources Posts Fourth Quarter And Annual 2004 Results
Earnings Up Sharply, In Line with Raised Guidance
Quarterly Operating Data
| |
Total |
% Change |
| |
4Q 2003 |
1Q 2004 |
2Q 2004 |
3Q 2004 |
4Q 2004(see Note 1) |
4Q04 vs. 3Q04 |
4Q04 vs. 4Q03 |
ACCOUNT PRESENTATION
Banking Services |
| Users (#K) |
416 |
450 |
439 |
463 |
485 |
5% |
17% |
| Adoption Rate2 |
16.8% |
18.5% |
19.3% |
21.1% |
22.4% |
6% |
33% |
| Clients |
211 |
204 |
195 |
180 |
183 |
2% |
-13% |
| Card Services |
| Users (#K) |
n/a |
n/a |
n/a |
n/a |
1,986 |
n/a |
n/a |
| Adoption Rate3 |
n/a |
n/a |
n/a |
n/a |
14.9% |
n/a |
n/a |
| Clients |
n/a |
n/a |
n/a |
n/a |
7 |
n/a |
n/a |
PAYMENTS
Banking Services |
| Users (#K) |
528 |
592 |
651 |
728 |
776 |
7% |
47% |
| Adoption Rate4 |
5.1% |
5.7% |
6.2% |
6.8% |
8.2% |
21% |
61% |
| Transactions (#M) |
7.5 |
8.4 |
9.0 |
9.6 |
10.2 |
6% |
36% |
| Clients |
633 |
670 |
687 |
697 |
716 |
3% |
13% |
RELATIONSHIP MANAGEMENT
Banking Services |
| Products/User |
1.25 |
1.27 |
1.28 |
1.30 |
1.31 |
1% |
5% |
| Upsells5 |
17,299 |
19,843 |
18,693 |
17,060 |
18,980 |
11% |
10% |
| First Call Resolution |
91% |
91% |
93% |
92% |
93% |
1% |
15% |
| Clients |
310 |
322 |
333 |
341 |
356 |
4% |
15% |
| TOTAL ENTERPRISE |
| Unique Users6 (#K) |
841 |
926 |
972 |
1,065 |
3,111 |
192% |
270% |
| Adoption |
8.2% |
8.9% |
9.2% |
10.0% |
13.6% |
36% |
66% |
| Payment Transactions (#M) |
7.5 |
8.4 |
9.0 |
9.6 |
10.2 |
6% |
36% |
| Unique Clients |
633 |
670 |
687 |
697 |
723 |
4% |
14% |
|
Notes:
- Does not include Sears, a Card & Credit Services division client, that was acquired and is expected to be leaving in 2Q05.
- The number of users divided by the 2.1 million total launched checking accounts held with our Banking Services clients. The numbers of checking accounts are as reported to us by our clients.
- The number of users divided by the 13.3 million active card accounts held with our Card Services clients. Based on industry averages, we have defined active card accounts to be 50% of total card accounts, and like the industry, are reporting adoption rates against the active card account base.
- The number of users divided by the 9.5 million total payments-eligible launched checking accounts held with our Banking Services clients. The numbers of checking accounts are as reported to us by our clients.
- The number of additional services (e.g., bill payment, Money HQ, Quicken) that banking users enrolled in during the quarter.
- The number of unique users that use either account presentation services and/or payment services. Some may be counted in both account presentation and payments.
Back
Media Contact: Beth Halloran,
Director, Corporate Communications
703.653.2248
bhalloran@orcc.com
Investor Contact: Catherine Graham,
EVP & Chief Financial Officer
703.653.3155
cgraham@orcc.com
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