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UMB Financial UMBF Payment Solutions — Noninterest Expense

Discontinued — last reported Q4 '15

Similar metrics at other companies

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$185M+1.6%
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$2.04B+20.7%
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$247M+14.4%
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GPNIssuer Solutions — Total Merchant Solutions expenses
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GPNMerchant Solutions — Total Merchant Solutions expenses
$1.28B-2.5%
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BOKFOperating Segments — Noninterest Expense
$164.88M-5.9%

Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%

Returns & leverage

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Return on equity12.1%+3.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:NoninterestExpense.

The official record: UMB Financial’s 10-K, filed February 25, 2016, on SEC EDGAR. View the filing →

Questions, answered.

What does payment solutions — noninterest expense mean?
The total operating costs of the Payment Solutions segment, excluding interest-related expenses.
How do you interpret payment solutions — noninterest expense?
A decrease relative to revenue suggests improved operational efficiency, while a significant increase may indicate scaling costs or inefficiencies.
How does payment solutions — noninterest expense compare across companies?
Comparable to noninterest expense or operating expense metrics for business segments at peer financial institutions.