What changed: r5 to r6
Added IFRS historical supplement, matched presentation sensitivity and bank funding cash model.
Retrieval clocks and internal hashes are excluded. Changed source or accounting definitions are not automatically an economic restatement. The authored reason describes the destination revision.
| Field | Before | After |
|---|---|---|
| /business/description | History and Development of the Company Klarna Group plc (“Klarna” or the “Company”) was founded in 2005 in Sweden with the objective of improving trust and efficiency in online commerce. The Company initially focused on providing flexible payment solutions designed to allow consumers to pay for goods after delivery, thereby reducing friction and uncertainty between consumers and merchants in e-commerce transactions. Following its founding, Klarna expanded rapidly across the Nordic region and subsequently into other European markets. By 2010, the Company operated in the Nordics, Germany and the Netherlands, and by 2016 had established operations in nine markets, including Austria, Switzerland and the United Kingdom. During this period, Klarna focused on scaling its payments platform, expanding its merchant network and refining its underwriting capabilities to support real-time transaction decisioning. In 2017, Klarna began operating as a licensed bank within the European Economic Area following approval by the Swedish Financial Supervisory. | Klarna operates a payments and consumer-finance network with bank funding. It earns merchant and consumer service fees, interest and receivable-sale income, while incurring processing, credit and funding costs. Deposits, retained receivables and senior support for offloading arrangements determine cash and capital needs. |
| /business/drivers/0 | This milestone enabled Klarna to broaden its range of financial services, including the ability to fund a significant portion of its lending activities. | GMV, service monetization and financing-product mix |
| /business/drivers/1 | Over the following years, the Company expanded into multiple new geographies while continuing to invest in product development, technology infrastructure and. | Credit, processing and funding costs after presentation changes |
| /business/drivers/2 | Over time, Klarna introduced new products and services, including payment options allowing consumers to pay immediately, defer payment, or finance purchases. | Deposits, retained loans and forward-flow senior funding |
| /estimates/basis | not yet estimated | Desk base scenario from the operating model; not consensus. Revenue basis: IFRS total revenue ($M). |
| /estimates/rows/2026Q3/as_of | None | 2026-09-19 |
| /estimates/rows/2026Q3/basis | None | Desk base scenario. Revenue basis: IFRS total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2026Q3/class | None | estimate |
| /estimates/rows/2026Q3/period | None | 2026Q3 |
| /estimates/rows/2026Q3/revenue | None | 960000000.0 |
| /estimates/rows/2026Q4/as_of | None | 2026-09-19 |
| /estimates/rows/2026Q4/basis | None | Desk base scenario. Revenue basis: IFRS total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2026Q4/class | None | estimate |
| /estimates/rows/2026Q4/period | None | 2026Q4 |
| /estimates/rows/2026Q4/revenue | None | 1106000000.0 |
| /estimates/rows/2027Q1/as_of | None | 2026-09-19 |
| /estimates/rows/2027Q1/basis | None | Desk base scenario. Revenue basis: IFRS total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2027Q1/class | None | estimate |
| /estimates/rows/2027Q1/period | None | 2027Q1 |
| /estimates/rows/2027Q1/revenue | None | 1120000000.0 |
| /estimates/rows/2027Q2/as_of | None | 2026-09-19 |
| /estimates/rows/2027Q2/basis | None | Desk base scenario. Revenue basis: IFRS total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2027Q2/class | None | estimate |
| /estimates/rows/2027Q2/period | None | 2027Q2 |
| /estimates/rows/2027Q2/revenue | None | 1180000000.0 |
| /meta/business_authored | False | True |
| /meta/extract_accession | 0002003292-26-000007 | None |
| /meta/extract_filed | 2026-02-26 | None |
| /meta/extract_form | 20-F | None |
| /meta/extract_source | filing | authored |
| /meta/extract_url | https://www.sec.gov/Archives/edgar/data/2003292/000200329226000007/klar-20251231.htm | None |
| /meta/research_reviewed_at | None | 2026-09-19 |
| /meta/research_stage | None | operating_scenarios |
| /meta/revision | 5 | 6 |
| /meta/skeleton | True | False |
| /model/quarters/2024-09-30/fiscal_label | None | 2024Q3 |
| /model/quarters/2024-09-30/net_income/provenance/class | None | reported |
| /model/quarters/2024-09-30/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2024-09-30/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-09-30/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-09-30/net_income/value | None | 12000000.0 |
| /model/quarters/2024-09-30/operating_income/provenance/class | None | reported |
| /model/quarters/2024-09-30/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2024-09-30/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-09-30/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-09-30/operating_income/value | None | 13000000.0 |
| /model/quarters/2024-09-30/period_end | None | 2024-09-30 |
| /model/quarters/2024-09-30/revenue/provenance/class | None | reported |
| /model/quarters/2024-09-30/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2024-09-30/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-09-30/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-09-30/revenue/value | None | 706000000.0 |
| /model/quarters/2024-12-31/cash/provenance/class | None | reported |
| /model/quarters/2024-12-31/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2024-12-31/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-12-31/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-12-31/cash/value | None | 3243000000.0 |
| /model/quarters/2024-12-31/fiscal_label | None | 2024Q4 |
| /model/quarters/2024-12-31/net_income/provenance/class | None | reported |
| /model/quarters/2024-12-31/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2024-12-31/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-12-31/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-12-31/net_income/value | None | 40000000.0 |
| /model/quarters/2024-12-31/operating_income/provenance/class | None | reported |
| /model/quarters/2024-12-31/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2024-12-31/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-12-31/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-12-31/operating_income/value | None | -101000000.0 |
| /model/quarters/2024-12-31/period_end | None | 2024-12-31 |
| /model/quarters/2024-12-31/revenue/provenance/class | None | reported |
| /model/quarters/2024-12-31/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2024-12-31/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2024-12-31/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2024-12-31/revenue/value | None | 781000000.0 |
| /model/quarters/2025-03-31/cash/provenance/class | None | reported |
| /model/quarters/2025-03-31/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2025-03-31/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-03-31/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-03-31/cash/value | None | 4105000000.0 |
| /model/quarters/2025-03-31/fiscal_label | None | 2025Q1 |
| /model/quarters/2025-03-31/net_income/provenance/class | None | reported |
| /model/quarters/2025-03-31/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2025-03-31/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-03-31/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-03-31/net_income/value | None | -99000000.0 |
| /model/quarters/2025-03-31/operating_income/provenance/class | None | reported |
| /model/quarters/2025-03-31/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2025-03-31/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-03-31/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-03-31/operating_income/value | None | -90000000.0 |
| /model/quarters/2025-03-31/period_end | None | 2025-03-31 |
| /model/quarters/2025-03-31/revenue/provenance/class | None | reported |
| /model/quarters/2025-03-31/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2025-03-31/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-03-31/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-03-31/revenue/value | None | 701000000.0 |
| /model/quarters/2025-06-30/cash/provenance/class | None | reported |
| /model/quarters/2025-06-30/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2025-06-30/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-06-30/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-06-30/cash/value | None | 5504000000.0 |
| /model/quarters/2025-06-30/fiscal_label | None | 2025Q2 |
| /model/quarters/2025-06-30/net_income/provenance/class | None | reported |
| /model/quarters/2025-06-30/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2025-06-30/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-06-30/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-06-30/net_income/value | None | -53000000.0 |
| /model/quarters/2025-06-30/operating_income/provenance/class | None | reported |
| /model/quarters/2025-06-30/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2025-06-30/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-06-30/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-06-30/operating_income/value | None | -46000000.0 |
| /model/quarters/2025-06-30/period_end | None | 2025-06-30 |
| /model/quarters/2025-06-30/revenue/provenance/class | None | reported |
| /model/quarters/2025-06-30/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2025-06-30/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-06-30/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-06-30/revenue/value | None | 823000000.0 |
| /model/quarters/2025-09-30/cash/provenance/class | None | reported |
| /model/quarters/2025-09-30/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2025-09-30/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-09-30/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-09-30/cash/value | None | 6795000000.0 |
| /model/quarters/2025-09-30/fiscal_label | None | 2025Q3 |
| /model/quarters/2025-09-30/net_income/provenance/class | None | reported |
| /model/quarters/2025-09-30/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2025-09-30/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-09-30/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-09-30/net_income/value | None | -95000000.0 |
| /model/quarters/2025-09-30/operating_income/provenance/class | None | reported |
| /model/quarters/2025-09-30/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2025-09-30/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-09-30/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-09-30/operating_income/value | None | -83000000.0 |
| /model/quarters/2025-09-30/period_end | None | 2025-09-30 |
| /model/quarters/2025-09-30/revenue/provenance/class | None | reported |
| /model/quarters/2025-09-30/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2025-09-30/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-09-30/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-09-30/revenue/value | None | 903000000.0 |
| /model/quarters/2025-12-31/cash/provenance/class | None | reported |
| /model/quarters/2025-12-31/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2025-12-31/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-12-31/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-12-31/cash/value | None | 3803000000.0 |
| /model/quarters/2025-12-31/fiscal_label | None | 2025Q4 |
| /model/quarters/2025-12-31/net_income/provenance/class | None | reported |
| /model/quarters/2025-12-31/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2025-12-31/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-12-31/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-12-31/net_income/value | None | -26000000.0 |
| /model/quarters/2025-12-31/operating_income/provenance/class | None | reported |
| /model/quarters/2025-12-31/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2025-12-31/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-12-31/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-12-31/operating_income/value | None | -11000000.0 |
| /model/quarters/2025-12-31/period_end | None | 2025-12-31 |
| /model/quarters/2025-12-31/revenue/provenance/class | None | reported |
| /model/quarters/2025-12-31/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2025-12-31/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2025-12-31/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2025-12-31/revenue/value | None | 1082000000.0 |
| /model/quarters/2026-03-31/cash/provenance/class | None | reported |
| /model/quarters/2026-03-31/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2026-03-31/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-03-31/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-03-31/cash/value | None | 2806000000.0 |
| /model/quarters/2026-03-31/fiscal_label | None | 2026Q1 |
| /model/quarters/2026-03-31/net_income/provenance/class | None | reported |
| /model/quarters/2026-03-31/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2026-03-31/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-03-31/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-03-31/net_income/value | None | 1000000.0 |
| /model/quarters/2026-03-31/operating_income/provenance/class | None | reported |
| /model/quarters/2026-03-31/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2026-03-31/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-03-31/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-03-31/operating_income/value | None | 17000000.0 |
| /model/quarters/2026-03-31/period_end | None | 2026-03-31 |
| /model/quarters/2026-03-31/revenue/provenance/class | None | reported |
| /model/quarters/2026-03-31/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2026-03-31/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-03-31/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-03-31/revenue/value | None | 1012000000.0 |
| /model/quarters/2026-06-30/cash/provenance/class | None | reported |
| /model/quarters/2026-06-30/cash/provenance/concept | None | IFRS supplementary tables: cash; consolidated, rounded USD millions |
| /model/quarters/2026-06-30/cash/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-06-30/cash/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-06-30/cash/value | None | 2672000000.0 |
| /model/quarters/2026-06-30/fiscal_label | None | 2026Q2 |
| /model/quarters/2026-06-30/net_income/provenance/class | None | reported |
| /model/quarters/2026-06-30/net_income/provenance/concept | None | IFRS supplementary tables: net income; consolidated, rounded USD millions |
| /model/quarters/2026-06-30/net_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-06-30/net_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-06-30/net_income/value | None | 9000000.0 |
| /model/quarters/2026-06-30/operating_income/provenance/class | None | reported |
| /model/quarters/2026-06-30/operating_income/provenance/concept | None | IFRS supplementary tables: operating income; consolidated, rounded USD millions |
| /model/quarters/2026-06-30/operating_income/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-06-30/operating_income/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-06-30/operating_income/value | None | 27000000.0 |
| /model/quarters/2026-06-30/period_end | None | 2026-06-30 |
| /model/quarters/2026-06-30/revenue/provenance/class | None | reported |
| /model/quarters/2026-06-30/revenue/provenance/concept | None | IFRS supplementary tables: revenue; consolidated, rounded USD millions |
| /model/quarters/2026-06-30/revenue/provenance/filed | None | 2026-08-18 |
| /model/quarters/2026-06-30/revenue/provenance/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /model/quarters/2026-06-30/revenue/value | None | 1042000000.0 |
| /model/source | https://data.sec.gov/api/xbrl/companyfacts/CIK0002003292.json | SEC companyfacts with reviewed filing supplement; see each value's provenance. |
| /operating_model/cells/amortized_receivables:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/amortized_receivables:shared/case | None | shared |
| /operating_model/cells/amortized_receivables:shared/id | None | amortized_receivables |
| /operating_model/cells/amortized_receivables:shared/kind | None | reported |
| /operating_model/cells/amortized_receivables:shared/label | None | amortized receivables |
| /operating_model/cells/amortized_receivables:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/amortized_receivables:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/amortized_receivables:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/amortized_receivables:shared/unit | None | USD_millions |
| /operating_model/cells/amortized_receivables:shared/value | None | 8831.0 |
| /operating_model/cells/base_2026q3_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2026q3_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2026q3_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_accounting_reductions:base/formula/refs/0 | None | base_2026q3_presentation_reduction |
| /operating_model/cells/base_2026q3_accounting_reductions:base/formula/refs/1 | None | base_2026q3_recognition_timing |
| /operating_model/cells/base_2026q3_accounting_reductions:base/id | None | base_2026q3_accounting_reductions |
| /operating_model/cells/base_2026q3_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2026q3_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2026q3_accounting_reductions:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_accounting_reductions:base/value | None | 45.5 |
| /operating_model/cells/base_2026q3_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2026q3_adj_operating:base/case | None | base |
| /operating_model/cells/base_2026q3_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_adj_operating:base/formula/refs/0 | None | base_2026q3_tmd |
| /operating_model/cells/base_2026q3_adj_operating:base/formula/refs/1 | None | base_2026q3_adjusted_opex |
| /operating_model/cells/base_2026q3_adj_operating:base/id | None | base_2026q3_adj_operating |
| /operating_model/cells/base_2026q3_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2026q3_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2026q3_adj_operating:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_adj_operating:base/value | None | 10.0 |
| /operating_model/cells/base_2026q3_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2026q3_adjusted_opex:base/id | None | base_2026q3_adjusted_opex |
| /operating_model/cells/base_2026q3_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2026q3_adjusted_opex:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_adjusted_opex:base/value | None | 340.0 |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/formula/refs/0 | None | base_2026q3_loan_deployment |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/formula/refs/1 | None | base_2026q3_senior_deployment |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/formula/refs/2 | None | base_2026q3_treasury_deployment |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/id | None | base_2026q3_bank_asset_deployment |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_bank_asset_deployment:base/value | None | 370.0 |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/formula/refs/0 | None | base_2026q3_cash_before_bank_balances |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/formula/refs/1 | None | base_2026q3_deposit_flow |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/formula/refs/2 | None | base_2026q3_operating_notes_flow |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/id | None | base_2026q3_bank_funding_inflow |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_bank_funding_inflow:base/value | None | 54.75 |
| /operating_model/cells/base_2026q3_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_capex:base/case | None | base |
| /operating_model/cells/base_2026q3_capex:base/id | None | base_2026q3_capex |
| /operating_model/cells/base_2026q3_capex:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2026q3_capex:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_capex:base/value | None | 10.0 |
| /operating_model/cells/base_2026q3_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2026q3_capital_cash:base/case | None | base |
| /operating_model/cells/base_2026q3_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_capital_cash:base/formula/refs/0 | None | base_2026q3_capex |
| /operating_model/cells/base_2026q3_capital_cash:base/formula/refs/1 | None | base_2026q3_lease_principal |
| /operating_model/cells/base_2026q3_capital_cash:base/id | None | base_2026q3_capital_cash |
| /operating_model/cells/base_2026q3_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2026q3_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2026q3_capital_cash:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_capital_cash:base/value | None | 15.0 |
| /operating_model/cells/base_2026q3_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2026q3_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_after_capex:base/formula/refs/0 | None | base_2026q3_cfo |
| /operating_model/cells/base_2026q3_cash_after_capex:base/formula/refs/1 | None | base_2026q3_capital_cash |
| /operating_model/cells/base_2026q3_cash_after_capex:base/id | None | base_2026q3_cash_after_capex |
| /operating_model/cells/base_2026q3_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2026q3_cash_after_capex:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_after_capex:base/value | None | -330.25 |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/formula/refs/0 | None | base_2026q3_noncash_credit_bridge |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/formula/refs/1 | None | base_2026q3_cash_earnings_adjustment |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/id | None | base_2026q3_cash_before_bank_balances |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_before_bank_balances:base/value | None | 154.75 |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/refs/0 | None | base_2026q3_loan_sale_gain |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/refs/1 | None | base_2026q3_recognition_timing |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/refs/2 | None | base_2026q3_restructuring |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/refs/3 | None | base_2026q3_cash_tax |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/formula/refs/4 | None | base_2026q3_other_settlement_use |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/id | None | base_2026q3_cash_earnings_adjustment |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_earnings_adjustment:base/value | None | 131.0 |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/id | None | base_2026q3_cash_funding_expense |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_funding_expense:base/value | None | 131.25 |
| /operating_model/cells/base_2026q3_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_cash_tax:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_tax:base/id | None | base_2026q3_cash_tax |
| /operating_model/cells/base_2026q3_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2026q3_cash_tax:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_tax:base/value | None | 12.0 |
| /operating_model/cells/base_2026q3_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2026q3_cfo:base/case | None | base |
| /operating_model/cells/base_2026q3_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cfo:base/formula/refs/0 | None | base_2026q3_bank_funding_inflow |
| /operating_model/cells/base_2026q3_cfo:base/formula/refs/1 | None | base_2026q3_bank_asset_deployment |
| /operating_model/cells/base_2026q3_cfo:base/id | None | base_2026q3_cfo |
| /operating_model/cells/base_2026q3_cfo:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2026q3_cfo:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cfo:base/value | None | -315.25 |
| /operating_model/cells/base_2026q3_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2026q3_credit_expense:base/case | None | base |
| /operating_model/cells/base_2026q3_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_credit_expense:base/formula/refs/0 | None | base_2026q3_gmv |
| /operating_model/cells/base_2026q3_credit_expense:base/formula/refs/1 | None | base_2026q3_credit_ratio |
| /operating_model/cells/base_2026q3_credit_expense:base/id | None | base_2026q3_credit_expense |
| /operating_model/cells/base_2026q3_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2026q3_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2026q3_credit_expense:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_credit_expense:base/value | None | 230.75 |
| /operating_model/cells/base_2026q3_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_credit_ratio:base/id | None | base_2026q3_credit_ratio |
| /operating_model/cells/base_2026q3_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2026q3_credit_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2026q3_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_da:base/case | None | base |
| /operating_model/cells/base_2026q3_da:base/id | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_da:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2026q3_da:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_da:base/value | None | 24.0 |
| /operating_model/cells/base_2026q3_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2026q3_deposit_flow:base/id | None | base_2026q3_deposit_flow |
| /operating_model/cells/base_2026q3_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2026q3_deposit_flow:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_deposit_flow:base/value | None | -100.0 |
| /operating_model/cells/base_2026q3_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2026q3_funding_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_funding_cost:base/formula/refs/0 | None | base_2026q3_cash_funding_expense |
| /operating_model/cells/base_2026q3_funding_cost:base/formula/refs/1 | None | base_2026q3_funding_fv |
| /operating_model/cells/base_2026q3_funding_cost:base/id | None | base_2026q3_funding_cost |
| /operating_model/cells/base_2026q3_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2026q3_funding_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_funding_cost:base/value | None | 176.25 |
| /operating_model/cells/base_2026q3_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_funding_fv:base/case | None | base |
| /operating_model/cells/base_2026q3_funding_fv:base/id | None | base_2026q3_funding_fv |
| /operating_model/cells/base_2026q3_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2026q3_funding_fv:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_funding_fv:base/value | None | 45.0 |
| /operating_model/cells/base_2026q3_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_gmv:base/case | None | base |
| /operating_model/cells/base_2026q3_gmv:base/id | None | base_2026q3_gmv |
| /operating_model/cells/base_2026q3_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2026q3_gmv:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_gmv:base/value | None | 35500.0 |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/formula/refs/0 | None | base_2026q3_sbc |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/formula/refs/1 | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/formula/refs/2 | None | base_2026q3_restructuring |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/id | None | base_2026q3_ifrs_adjustments |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_ifrs_adjustments:base/value | None | 123.0 |
| /operating_model/cells/base_2026q3_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_interest_income:base/case | None | base |
| /operating_model/cells/base_2026q3_interest_income:base/id | None | base_2026q3_interest_income |
| /operating_model/cells/base_2026q3_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2026q3_interest_income:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_interest_income:base/value | None | 245.0 |
| /operating_model/cells/base_2026q3_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_lease_principal:base/case | None | base |
| /operating_model/cells/base_2026q3_lease_principal:base/id | None | base_2026q3_lease_principal |
| /operating_model/cells/base_2026q3_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2026q3_lease_principal:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2026q3_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2026q3_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2026q3_loan_deployment:base/id | None | base_2026q3_loan_deployment |
| /operating_model/cells/base_2026q3_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2026q3_loan_deployment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_loan_deployment:base/value | None | 150.0 |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/id | None | base_2026q3_loan_sale_gain |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_loan_sale_gain:base/value | None | 85.0 |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/formula/refs/0 | None | base_2026q3_adj_operating |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/formula/refs/1 | None | base_2026q3_credit_expense |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/formula/refs/2 | None | base_2026q3_funding_fv |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/id | None | base_2026q3_noncash_credit_bridge |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_noncash_credit_bridge:base/value | None | 285.75 |
| /operating_model/cells/base_2026q3_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2026q3_operating_income:base/case | None | base |
| /operating_model/cells/base_2026q3_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_operating_income:base/formula/refs/0 | None | base_2026q3_adj_operating |
| /operating_model/cells/base_2026q3_operating_income:base/formula/refs/1 | None | base_2026q3_ifrs_adjustments |
| /operating_model/cells/base_2026q3_operating_income:base/id | None | base_2026q3_operating_income |
| /operating_model/cells/base_2026q3_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2026q3_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2026q3_operating_income:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_operating_income:base/value | None | -113.0 |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/id | None | base_2026q3_operating_notes_flow |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2026q3_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2026q3_other_settlement_use:base/id | None | base_2026q3_other_settlement_use |
| /operating_model/cells/base_2026q3_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2026q3_other_settlement_use:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_other_settlement_use:base/value | None | 20.0 |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/formula/refs/0 | None | base_2026q3_service_revenue |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/formula/refs/1 | None | base_2026q3_interest_income |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/formula/refs/2 | None | base_2026q3_loan_sale_gain |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/id | None | base_2026q3_pre_presentation_revenue |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_pre_presentation_revenue:base/value | None | 995.5 |
| /operating_model/cells/base_2026q3_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2026q3_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_presentation_ratio:base/id | None | base_2026q3_presentation_ratio |
| /operating_model/cells/base_2026q3_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2026q3_presentation_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2026q3_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2026q3_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2026q3_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_presentation_reduction:base/formula/refs/0 | None | base_2026q3_gmv |
| /operating_model/cells/base_2026q3_presentation_reduction:base/formula/refs/1 | None | base_2026q3_presentation_ratio |
| /operating_model/cells/base_2026q3_presentation_reduction:base/id | None | base_2026q3_presentation_reduction |
| /operating_model/cells/base_2026q3_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2026q3_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2026q3_presentation_reduction:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_presentation_reduction:base/value | None | 35.5 |
| /operating_model/cells/base_2026q3_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2026q3_processing_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_processing_cost:base/formula/refs/0 | None | base_2026q3_gmv |
| /operating_model/cells/base_2026q3_processing_cost:base/formula/refs/1 | None | base_2026q3_processing_ratio |
| /operating_model/cells/base_2026q3_processing_cost:base/id | None | base_2026q3_processing_cost |
| /operating_model/cells/base_2026q3_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2026q3_processing_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_processing_cost:base/value | None | 248.5 |
| /operating_model/cells/base_2026q3_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_processing_ratio:base/id | None | base_2026q3_processing_ratio |
| /operating_model/cells/base_2026q3_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2026q3_processing_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/formula/refs/0 | None | base_2026q3_processing_cost |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/formula/refs/1 | None | base_2026q3_credit_expense |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/formula/refs/2 | None | base_2026q3_funding_cost |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/id | None | base_2026q3_raw_transaction_cost |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_raw_transaction_cost:base/value | None | 655.5 |
| /operating_model/cells/base_2026q3_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2026q3_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2026q3_recognition_timing:base/id | None | base_2026q3_recognition_timing |
| /operating_model/cells/base_2026q3_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2026q3_recognition_timing:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_recognition_timing:base/value | None | 10.0 |
| /operating_model/cells/base_2026q3_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_restructuring:base/case | None | base |
| /operating_model/cells/base_2026q3_restructuring:base/id | None | base_2026q3_restructuring |
| /operating_model/cells/base_2026q3_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2026q3_restructuring:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2026q3_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2026q3_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/0 | None | base_2026q3_pre_presentation_revenue |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/1 | None | base_2026q3_presentation_reduction |
| /operating_model/cells/base_2026q3_revenue:base/id | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2026q3_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_revenue:base/value | None | 960.0 |
| /operating_model/cells/base_2026q3_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2026q3_sbc:base/case | None | base |
| /operating_model/cells/base_2026q3_sbc:base/id | None | base_2026q3_sbc |
| /operating_model/cells/base_2026q3_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2026q3_sbc:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_sbc:base/value | None | 95.0 |
| /operating_model/cells/base_2026q3_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2026q3_senior_deployment:base/id | None | base_2026q3_senior_deployment |
| /operating_model/cells/base_2026q3_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2026q3_senior_deployment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_senior_deployment:base/value | None | 120.0 |
| /operating_model/cells/base_2026q3_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2026q3_service_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_service_revenue:base/formula/refs/0 | None | base_2026q3_gmv |
| /operating_model/cells/base_2026q3_service_revenue:base/formula/refs/1 | None | base_2026q3_service_yield |
| /operating_model/cells/base_2026q3_service_revenue:base/id | None | base_2026q3_service_revenue |
| /operating_model/cells/base_2026q3_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2026q3_service_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_service_revenue:base/value | None | 665.5 |
| /operating_model/cells/base_2026q3_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_service_yield:base/case | None | base |
| /operating_model/cells/base_2026q3_service_yield:base/id | None | base_2026q3_service_yield |
| /operating_model/cells/base_2026q3_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2026q3_service_yield:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_service_yield:base/value | None | 0.018746478873239436 |
| /operating_model/cells/base_2026q3_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2026q3_tmd:base/case | None | base |
| /operating_model/cells/base_2026q3_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_tmd:base/formula/refs/0 | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_tmd:base/formula/refs/1 | None | base_2026q3_transaction_cost |
| /operating_model/cells/base_2026q3_tmd:base/id | None | base_2026q3_tmd |
| /operating_model/cells/base_2026q3_tmd:base/kind | None | derived |
| /operating_model/cells/base_2026q3_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2026q3_tmd:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_tmd:base/value | None | 350.0 |
| /operating_model/cells/base_2026q3_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2026q3_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_transaction_cost:base/formula/refs/0 | None | base_2026q3_raw_transaction_cost |
| /operating_model/cells/base_2026q3_transaction_cost:base/formula/refs/1 | None | base_2026q3_accounting_reductions |
| /operating_model/cells/base_2026q3_transaction_cost:base/id | None | base_2026q3_transaction_cost |
| /operating_model/cells/base_2026q3_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2026q3_transaction_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_transaction_cost:base/value | None | 610.0 |
| /operating_model/cells/base_2026q3_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2026q3_treasury_deployment:base/id | None | base_2026q3_treasury_deployment |
| /operating_model/cells/base_2026q3_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2026q3_treasury_deployment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_2026q4_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2026q4_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2026q4_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_accounting_reductions:base/formula/refs/0 | None | base_2026q4_presentation_reduction |
| /operating_model/cells/base_2026q4_accounting_reductions:base/formula/refs/1 | None | base_2026q4_recognition_timing |
| /operating_model/cells/base_2026q4_accounting_reductions:base/id | None | base_2026q4_accounting_reductions |
| /operating_model/cells/base_2026q4_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2026q4_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2026q4_accounting_reductions:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_accounting_reductions:base/value | None | 64.161 |
| /operating_model/cells/base_2026q4_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2026q4_adj_operating:base/case | None | base |
| /operating_model/cells/base_2026q4_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_adj_operating:base/formula/refs/0 | None | base_2026q4_tmd |
| /operating_model/cells/base_2026q4_adj_operating:base/formula/refs/1 | None | base_2026q4_adjusted_opex |
| /operating_model/cells/base_2026q4_adj_operating:base/id | None | base_2026q4_adj_operating |
| /operating_model/cells/base_2026q4_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2026q4_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2026q4_adj_operating:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_adj_operating:base/value | None | 121.00000000000011 |
| /operating_model/cells/base_2026q4_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2026q4_adjusted_opex:base/id | None | base_2026q4_adjusted_opex |
| /operating_model/cells/base_2026q4_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2026q4_adjusted_opex:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_adjusted_opex:base/value | None | 303.4 |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/formula/refs/0 | None | base_2026q4_loan_deployment |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/formula/refs/1 | None | base_2026q4_senior_deployment |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/formula/refs/2 | None | base_2026q4_treasury_deployment |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/id | None | base_2026q4_bank_asset_deployment |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_bank_asset_deployment:base/value | None | 500.0 |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/formula/refs/0 | None | base_2026q4_cash_before_bank_balances |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/formula/refs/1 | None | base_2026q4_deposit_flow |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/formula/refs/2 | None | base_2026q4_operating_notes_flow |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/id | None | base_2026q4_bank_funding_inflow |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_bank_funding_inflow:base/value | None | 453.0465000000001 |
| /operating_model/cells/base_2026q4_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_capex:base/case | None | base |
| /operating_model/cells/base_2026q4_capex:base/id | None | base_2026q4_capex |
| /operating_model/cells/base_2026q4_capex:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2026q4_capex:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_capex:base/value | None | 11.0 |
| /operating_model/cells/base_2026q4_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2026q4_capital_cash:base/case | None | base |
| /operating_model/cells/base_2026q4_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_capital_cash:base/formula/refs/0 | None | base_2026q4_capex |
| /operating_model/cells/base_2026q4_capital_cash:base/formula/refs/1 | None | base_2026q4_lease_principal |
| /operating_model/cells/base_2026q4_capital_cash:base/id | None | base_2026q4_capital_cash |
| /operating_model/cells/base_2026q4_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2026q4_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2026q4_capital_cash:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_capital_cash:base/value | None | 16.0 |
| /operating_model/cells/base_2026q4_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2026q4_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_after_capex:base/formula/refs/0 | None | base_2026q4_cfo |
| /operating_model/cells/base_2026q4_cash_after_capex:base/formula/refs/1 | None | base_2026q4_capital_cash |
| /operating_model/cells/base_2026q4_cash_after_capex:base/id | None | base_2026q4_cash_after_capex |
| /operating_model/cells/base_2026q4_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2026q4_cash_after_capex:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_after_capex:base/value | None | -62.953499999999906 |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/formula/refs/0 | None | base_2026q4_noncash_credit_bridge |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/formula/refs/1 | None | base_2026q4_cash_earnings_adjustment |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/id | None | base_2026q4_cash_before_bank_balances |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_before_bank_balances:base/value | None | 303.0465000000001 |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/refs/0 | None | base_2026q4_loan_sale_gain |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/refs/1 | None | base_2026q4_recognition_timing |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/refs/2 | None | base_2026q4_restructuring |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/refs/3 | None | base_2026q4_cash_tax |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/formula/refs/4 | None | base_2026q4_other_settlement_use |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/id | None | base_2026q4_cash_earnings_adjustment |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_earnings_adjustment:base/value | None | 155.0 |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/id | None | base_2026q4_cash_funding_expense |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_funding_expense:base/value | None | 99.58749999999998 |
| /operating_model/cells/base_2026q4_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_cash_tax:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_tax:base/id | None | base_2026q4_cash_tax |
| /operating_model/cells/base_2026q4_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2026q4_cash_tax:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_tax:base/value | None | 14.0 |
| /operating_model/cells/base_2026q4_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2026q4_cfo:base/case | None | base |
| /operating_model/cells/base_2026q4_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cfo:base/formula/refs/0 | None | base_2026q4_bank_funding_inflow |
| /operating_model/cells/base_2026q4_cfo:base/formula/refs/1 | None | base_2026q4_bank_asset_deployment |
| /operating_model/cells/base_2026q4_cfo:base/id | None | base_2026q4_cfo |
| /operating_model/cells/base_2026q4_cfo:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2026q4_cfo:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cfo:base/value | None | -46.953499999999906 |
| /operating_model/cells/base_2026q4_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2026q4_credit_expense:base/case | None | base |
| /operating_model/cells/base_2026q4_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_credit_expense:base/formula/refs/0 | None | base_2026q4_gmv |
| /operating_model/cells/base_2026q4_credit_expense:base/formula/refs/1 | None | base_2026q4_credit_ratio |
| /operating_model/cells/base_2026q4_credit_expense:base/id | None | base_2026q4_credit_expense |
| /operating_model/cells/base_2026q4_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2026q4_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2026q4_credit_expense:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_credit_expense:base/value | None | 287.0465 |
| /operating_model/cells/base_2026q4_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_credit_ratio:base/id | None | base_2026q4_credit_ratio |
| /operating_model/cells/base_2026q4_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2026q4_credit_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2026q4_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_da:base/case | None | base |
| /operating_model/cells/base_2026q4_da:base/id | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_da:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2026q4_da:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_da:base/value | None | 25.0 |
| /operating_model/cells/base_2026q4_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2026q4_deposit_flow:base/id | None | base_2026q4_deposit_flow |
| /operating_model/cells/base_2026q4_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2026q4_deposit_flow:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_deposit_flow:base/value | None | 150.0 |
| /operating_model/cells/base_2026q4_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2026q4_funding_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_funding_cost:base/formula/refs/0 | None | base_2026q4_cash_funding_expense |
| /operating_model/cells/base_2026q4_funding_cost:base/formula/refs/1 | None | base_2026q4_funding_fv |
| /operating_model/cells/base_2026q4_funding_cost:base/id | None | base_2026q4_funding_cost |
| /operating_model/cells/base_2026q4_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2026q4_funding_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_funding_cost:base/value | None | 149.58749999999998 |
| /operating_model/cells/base_2026q4_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_funding_fv:base/case | None | base |
| /operating_model/cells/base_2026q4_funding_fv:base/id | None | base_2026q4_funding_fv |
| /operating_model/cells/base_2026q4_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2026q4_funding_fv:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_funding_fv:base/value | None | 50.0 |
| /operating_model/cells/base_2026q4_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_gmv:base/case | None | base |
| /operating_model/cells/base_2026q4_gmv:base/id | None | base_2026q4_gmv |
| /operating_model/cells/base_2026q4_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2026q4_gmv:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_gmv:base/value | None | 44161.0 |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/formula/refs/0 | None | base_2026q4_sbc |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/formula/refs/1 | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/formula/refs/2 | None | base_2026q4_restructuring |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/id | None | base_2026q4_ifrs_adjustments |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_ifrs_adjustments:base/value | None | 78.0 |
| /operating_model/cells/base_2026q4_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_interest_income:base/case | None | base |
| /operating_model/cells/base_2026q4_interest_income:base/id | None | base_2026q4_interest_income |
| /operating_model/cells/base_2026q4_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2026q4_interest_income:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_interest_income:base/value | None | 260.0 |
| /operating_model/cells/base_2026q4_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_lease_principal:base/case | None | base |
| /operating_model/cells/base_2026q4_lease_principal:base/id | None | base_2026q4_lease_principal |
| /operating_model/cells/base_2026q4_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2026q4_lease_principal:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2026q4_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2026q4_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2026q4_loan_deployment:base/id | None | base_2026q4_loan_deployment |
| /operating_model/cells/base_2026q4_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2026q4_loan_deployment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_loan_deployment:base/value | None | 250.0 |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/id | None | base_2026q4_loan_sale_gain |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_loan_sale_gain:base/value | None | 95.0 |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/formula/refs/0 | None | base_2026q4_adj_operating |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/formula/refs/1 | None | base_2026q4_credit_expense |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/formula/refs/2 | None | base_2026q4_funding_fv |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/id | None | base_2026q4_noncash_credit_bridge |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_noncash_credit_bridge:base/value | None | 458.0465000000001 |
| /operating_model/cells/base_2026q4_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2026q4_operating_income:base/case | None | base |
| /operating_model/cells/base_2026q4_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_operating_income:base/formula/refs/0 | None | base_2026q4_adj_operating |
| /operating_model/cells/base_2026q4_operating_income:base/formula/refs/1 | None | base_2026q4_ifrs_adjustments |
| /operating_model/cells/base_2026q4_operating_income:base/id | None | base_2026q4_operating_income |
| /operating_model/cells/base_2026q4_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2026q4_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2026q4_operating_income:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_operating_income:base/value | None | 43.000000000000114 |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/id | None | base_2026q4_operating_notes_flow |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2026q4_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2026q4_other_settlement_use:base/id | None | base_2026q4_other_settlement_use |
| /operating_model/cells/base_2026q4_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2026q4_other_settlement_use:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_other_settlement_use:base/value | None | 22.0 |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/formula/refs/0 | None | base_2026q4_service_revenue |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/formula/refs/1 | None | base_2026q4_interest_income |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/formula/refs/2 | None | base_2026q4_loan_sale_gain |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/id | None | base_2026q4_pre_presentation_revenue |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_pre_presentation_revenue:base/value | None | 1150.161 |
| /operating_model/cells/base_2026q4_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2026q4_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_presentation_ratio:base/id | None | base_2026q4_presentation_ratio |
| /operating_model/cells/base_2026q4_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2026q4_presentation_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2026q4_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2026q4_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2026q4_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_presentation_reduction:base/formula/refs/0 | None | base_2026q4_gmv |
| /operating_model/cells/base_2026q4_presentation_reduction:base/formula/refs/1 | None | base_2026q4_presentation_ratio |
| /operating_model/cells/base_2026q4_presentation_reduction:base/id | None | base_2026q4_presentation_reduction |
| /operating_model/cells/base_2026q4_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2026q4_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2026q4_presentation_reduction:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_presentation_reduction:base/value | None | 44.161 |
| /operating_model/cells/base_2026q4_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2026q4_processing_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_processing_cost:base/formula/refs/0 | None | base_2026q4_gmv |
| /operating_model/cells/base_2026q4_processing_cost:base/formula/refs/1 | None | base_2026q4_processing_ratio |
| /operating_model/cells/base_2026q4_processing_cost:base/id | None | base_2026q4_processing_cost |
| /operating_model/cells/base_2026q4_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2026q4_processing_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_processing_cost:base/value | None | 309.127 |
| /operating_model/cells/base_2026q4_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_processing_ratio:base/id | None | base_2026q4_processing_ratio |
| /operating_model/cells/base_2026q4_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2026q4_processing_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/formula/refs/0 | None | base_2026q4_processing_cost |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/formula/refs/1 | None | base_2026q4_credit_expense |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/formula/refs/2 | None | base_2026q4_funding_cost |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/id | None | base_2026q4_raw_transaction_cost |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_raw_transaction_cost:base/value | None | 745.761 |
| /operating_model/cells/base_2026q4_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2026q4_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2026q4_recognition_timing:base/id | None | base_2026q4_recognition_timing |
| /operating_model/cells/base_2026q4_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2026q4_recognition_timing:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_recognition_timing:base/value | None | 20.0 |
| /operating_model/cells/base_2026q4_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_restructuring:base/case | None | base |
| /operating_model/cells/base_2026q4_restructuring:base/id | None | base_2026q4_restructuring |
| /operating_model/cells/base_2026q4_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2026q4_restructuring:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2026q4_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2026q4_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/0 | None | base_2026q4_pre_presentation_revenue |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/1 | None | base_2026q4_presentation_reduction |
| /operating_model/cells/base_2026q4_revenue:base/id | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2026q4_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_revenue:base/value | None | 1106.0 |
| /operating_model/cells/base_2026q4_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2026q4_sbc:base/case | None | base |
| /operating_model/cells/base_2026q4_sbc:base/id | None | base_2026q4_sbc |
| /operating_model/cells/base_2026q4_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2026q4_sbc:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_sbc:base/value | None | 49.0 |
| /operating_model/cells/base_2026q4_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2026q4_senior_deployment:base/id | None | base_2026q4_senior_deployment |
| /operating_model/cells/base_2026q4_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2026q4_senior_deployment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_senior_deployment:base/value | None | 150.0 |
| /operating_model/cells/base_2026q4_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2026q4_service_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_service_revenue:base/formula/refs/0 | None | base_2026q4_gmv |
| /operating_model/cells/base_2026q4_service_revenue:base/formula/refs/1 | None | base_2026q4_service_yield |
| /operating_model/cells/base_2026q4_service_revenue:base/id | None | base_2026q4_service_revenue |
| /operating_model/cells/base_2026q4_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2026q4_service_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_service_revenue:base/value | None | 795.1610000000001 |
| /operating_model/cells/base_2026q4_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_service_yield:base/case | None | base |
| /operating_model/cells/base_2026q4_service_yield:base/id | None | base_2026q4_service_yield |
| /operating_model/cells/base_2026q4_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2026q4_service_yield:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_service_yield:base/value | None | 0.018005955481080593 |
| /operating_model/cells/base_2026q4_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2026q4_tmd:base/case | None | base |
| /operating_model/cells/base_2026q4_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_tmd:base/formula/refs/0 | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_tmd:base/formula/refs/1 | None | base_2026q4_transaction_cost |
| /operating_model/cells/base_2026q4_tmd:base/id | None | base_2026q4_tmd |
| /operating_model/cells/base_2026q4_tmd:base/kind | None | derived |
| /operating_model/cells/base_2026q4_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2026q4_tmd:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_tmd:base/value | None | 424.4000000000001 |
| /operating_model/cells/base_2026q4_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2026q4_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_transaction_cost:base/formula/refs/0 | None | base_2026q4_raw_transaction_cost |
| /operating_model/cells/base_2026q4_transaction_cost:base/formula/refs/1 | None | base_2026q4_accounting_reductions |
| /operating_model/cells/base_2026q4_transaction_cost:base/id | None | base_2026q4_transaction_cost |
| /operating_model/cells/base_2026q4_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2026q4_transaction_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_transaction_cost:base/value | None | 681.5999999999999 |
| /operating_model/cells/base_2026q4_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2026q4_treasury_deployment:base/id | None | base_2026q4_treasury_deployment |
| /operating_model/cells/base_2026q4_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2026q4_treasury_deployment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_2027q1_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2027q1_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2027q1_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_accounting_reductions:base/formula/refs/0 | None | base_2027q1_presentation_reduction |
| /operating_model/cells/base_2027q1_accounting_reductions:base/formula/refs/1 | None | base_2027q1_recognition_timing |
| /operating_model/cells/base_2027q1_accounting_reductions:base/id | None | base_2027q1_accounting_reductions |
| /operating_model/cells/base_2027q1_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2027q1_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2027q1_accounting_reductions:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_accounting_reductions:base/value | None | 40.0 |
| /operating_model/cells/base_2027q1_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2027q1_adj_operating:base/case | None | base |
| /operating_model/cells/base_2027q1_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_adj_operating:base/formula/refs/0 | None | base_2027q1_tmd |
| /operating_model/cells/base_2027q1_adj_operating:base/formula/refs/1 | None | base_2027q1_adjusted_opex |
| /operating_model/cells/base_2027q1_adj_operating:base/id | None | base_2027q1_adj_operating |
| /operating_model/cells/base_2027q1_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2027q1_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2027q1_adj_operating:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_adj_operating:base/value | None | 80.0 |
| /operating_model/cells/base_2027q1_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2027q1_adjusted_opex:base/id | None | base_2027q1_adjusted_opex |
| /operating_model/cells/base_2027q1_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2027q1_adjusted_opex:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_adjusted_opex:base/value | None | 370.0 |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/formula/refs/0 | None | base_2027q1_loan_deployment |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/formula/refs/1 | None | base_2027q1_senior_deployment |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/formula/refs/2 | None | base_2027q1_treasury_deployment |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/id | None | base_2027q1_bank_asset_deployment |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_bank_asset_deployment:base/value | None | 500.0 |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/formula/refs/0 | None | base_2027q1_cash_before_bank_balances |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/formula/refs/1 | None | base_2027q1_deposit_flow |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/formula/refs/2 | None | base_2027q1_operating_notes_flow |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/id | None | base_2027q1_bank_funding_inflow |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_bank_funding_inflow:base/value | None | 346.0 |
| /operating_model/cells/base_2027q1_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_capex:base/case | None | base |
| /operating_model/cells/base_2027q1_capex:base/id | None | base_2027q1_capex |
| /operating_model/cells/base_2027q1_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2027q1_capex:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_capex:base/value | None | 12.0 |
| /operating_model/cells/base_2027q1_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2027q1_capital_cash:base/case | None | base |
| /operating_model/cells/base_2027q1_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_capital_cash:base/formula/refs/0 | None | base_2027q1_capex |
| /operating_model/cells/base_2027q1_capital_cash:base/formula/refs/1 | None | base_2027q1_lease_principal |
| /operating_model/cells/base_2027q1_capital_cash:base/id | None | base_2027q1_capital_cash |
| /operating_model/cells/base_2027q1_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q1_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2027q1_capital_cash:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_capital_cash:base/value | None | 17.0 |
| /operating_model/cells/base_2027q1_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2027q1_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_after_capex:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_2027q1_cash_after_capex:base/formula/refs/1 | None | base_2027q1_capital_cash |
| /operating_model/cells/base_2027q1_cash_after_capex:base/id | None | base_2027q1_cash_after_capex |
| /operating_model/cells/base_2027q1_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2027q1_cash_after_capex:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_after_capex:base/value | None | -171.0 |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/formula/refs/0 | None | base_2027q1_noncash_credit_bridge |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/formula/refs/1 | None | base_2027q1_cash_earnings_adjustment |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/id | None | base_2027q1_cash_before_bank_balances |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_before_bank_balances:base/value | None | 246.0 |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/refs/0 | None | base_2027q1_loan_sale_gain |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/refs/1 | None | base_2027q1_recognition_timing |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/refs/2 | None | base_2027q1_restructuring |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/refs/3 | None | base_2027q1_cash_tax |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/formula/refs/4 | None | base_2027q1_other_settlement_use |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/id | None | base_2027q1_cash_earnings_adjustment |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_earnings_adjustment:base/value | None | 149.0 |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/id | None | base_2027q1_cash_funding_expense |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_funding_expense:base/value | None | 115.0 |
| /operating_model/cells/base_2027q1_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_tax:base/id | None | base_2027q1_cash_tax |
| /operating_model/cells/base_2027q1_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2027q1_cash_tax:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_tax:base/value | None | 16.0 |
| /operating_model/cells/base_2027q1_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2027q1_cfo:base/case | None | base |
| /operating_model/cells/base_2027q1_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cfo:base/formula/refs/0 | None | base_2027q1_bank_funding_inflow |
| /operating_model/cells/base_2027q1_cfo:base/formula/refs/1 | None | base_2027q1_bank_asset_deployment |
| /operating_model/cells/base_2027q1_cfo:base/id | None | base_2027q1_cfo |
| /operating_model/cells/base_2027q1_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2027q1_cfo:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cfo:base/value | None | -154.0 |
| /operating_model/cells/base_2027q1_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2027q1_credit_expense:base/case | None | base |
| /operating_model/cells/base_2027q1_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_credit_expense:base/formula/refs/0 | None | base_2027q1_gmv |
| /operating_model/cells/base_2027q1_credit_expense:base/formula/refs/1 | None | base_2027q1_credit_ratio |
| /operating_model/cells/base_2027q1_credit_expense:base/id | None | base_2027q1_credit_expense |
| /operating_model/cells/base_2027q1_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2027q1_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2027q1_credit_expense:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_credit_expense:base/value | None | 260.0 |
| /operating_model/cells/base_2027q1_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_credit_ratio:base/id | None | base_2027q1_credit_ratio |
| /operating_model/cells/base_2027q1_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2027q1_credit_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2027q1_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_da:base/case | None | base |
| /operating_model/cells/base_2027q1_da:base/id | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2027q1_da:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_da:base/value | None | 26.0 |
| /operating_model/cells/base_2027q1_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2027q1_deposit_flow:base/id | None | base_2027q1_deposit_flow |
| /operating_model/cells/base_2027q1_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2027q1_deposit_flow:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_deposit_flow:base/value | None | 100.0 |
| /operating_model/cells/base_2027q1_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2027q1_funding_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_funding_cost:base/formula/refs/0 | None | base_2027q1_cash_funding_expense |
| /operating_model/cells/base_2027q1_funding_cost:base/formula/refs/1 | None | base_2027q1_funding_fv |
| /operating_model/cells/base_2027q1_funding_cost:base/id | None | base_2027q1_funding_cost |
| /operating_model/cells/base_2027q1_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2027q1_funding_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_funding_cost:base/value | None | 170.0 |
| /operating_model/cells/base_2027q1_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_funding_fv:base/case | None | base |
| /operating_model/cells/base_2027q1_funding_fv:base/id | None | base_2027q1_funding_fv |
| /operating_model/cells/base_2027q1_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2027q1_funding_fv:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_funding_fv:base/value | None | 55.0 |
| /operating_model/cells/base_2027q1_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_gmv:base/case | None | base |
| /operating_model/cells/base_2027q1_gmv:base/id | None | base_2027q1_gmv |
| /operating_model/cells/base_2027q1_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2027q1_gmv:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_gmv:base/value | None | 40000.0 |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/formula/refs/0 | None | base_2027q1_sbc |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/formula/refs/1 | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/formula/refs/2 | None | base_2027q1_restructuring |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/id | None | base_2027q1_ifrs_adjustments |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_ifrs_adjustments:base/value | None | 83.0 |
| /operating_model/cells/base_2027q1_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q1_interest_income:base/id | None | base_2027q1_interest_income |
| /operating_model/cells/base_2027q1_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2027q1_interest_income:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_interest_income:base/value | None | 275.0 |
| /operating_model/cells/base_2027q1_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_lease_principal:base/case | None | base |
| /operating_model/cells/base_2027q1_lease_principal:base/id | None | base_2027q1_lease_principal |
| /operating_model/cells/base_2027q1_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2027q1_lease_principal:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2027q1_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2027q1_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2027q1_loan_deployment:base/id | None | base_2027q1_loan_deployment |
| /operating_model/cells/base_2027q1_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2027q1_loan_deployment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_loan_deployment:base/value | None | 250.0 |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/id | None | base_2027q1_loan_sale_gain |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_loan_sale_gain:base/value | None | 105.0 |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/formula/refs/0 | None | base_2027q1_adj_operating |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/formula/refs/1 | None | base_2027q1_credit_expense |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/formula/refs/2 | None | base_2027q1_funding_fv |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/id | None | base_2027q1_noncash_credit_bridge |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_noncash_credit_bridge:base/value | None | 395.0 |
| /operating_model/cells/base_2027q1_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2027q1_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q1_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_operating_income:base/formula/refs/0 | None | base_2027q1_adj_operating |
| /operating_model/cells/base_2027q1_operating_income:base/formula/refs/1 | None | base_2027q1_ifrs_adjustments |
| /operating_model/cells/base_2027q1_operating_income:base/id | None | base_2027q1_operating_income |
| /operating_model/cells/base_2027q1_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q1_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2027q1_operating_income:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_operating_income:base/value | None | -3.0 |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/id | None | base_2027q1_operating_notes_flow |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2027q1_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2027q1_other_settlement_use:base/id | None | base_2027q1_other_settlement_use |
| /operating_model/cells/base_2027q1_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2027q1_other_settlement_use:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_other_settlement_use:base/value | None | 24.0 |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/formula/refs/0 | None | base_2027q1_service_revenue |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/formula/refs/1 | None | base_2027q1_interest_income |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/formula/refs/2 | None | base_2027q1_loan_sale_gain |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/id | None | base_2027q1_pre_presentation_revenue |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_pre_presentation_revenue:base/value | None | 1160.0 |
| /operating_model/cells/base_2027q1_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2027q1_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_presentation_ratio:base/id | None | base_2027q1_presentation_ratio |
| /operating_model/cells/base_2027q1_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2027q1_presentation_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2027q1_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2027q1_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2027q1_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_presentation_reduction:base/formula/refs/0 | None | base_2027q1_gmv |
| /operating_model/cells/base_2027q1_presentation_reduction:base/formula/refs/1 | None | base_2027q1_presentation_ratio |
| /operating_model/cells/base_2027q1_presentation_reduction:base/id | None | base_2027q1_presentation_reduction |
| /operating_model/cells/base_2027q1_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2027q1_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2027q1_presentation_reduction:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_presentation_reduction:base/value | None | 40.0 |
| /operating_model/cells/base_2027q1_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2027q1_processing_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_processing_cost:base/formula/refs/0 | None | base_2027q1_gmv |
| /operating_model/cells/base_2027q1_processing_cost:base/formula/refs/1 | None | base_2027q1_processing_ratio |
| /operating_model/cells/base_2027q1_processing_cost:base/id | None | base_2027q1_processing_cost |
| /operating_model/cells/base_2027q1_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2027q1_processing_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_processing_cost:base/value | None | 280.0 |
| /operating_model/cells/base_2027q1_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_processing_ratio:base/id | None | base_2027q1_processing_ratio |
| /operating_model/cells/base_2027q1_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2027q1_processing_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/formula/refs/0 | None | base_2027q1_processing_cost |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/formula/refs/1 | None | base_2027q1_credit_expense |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/formula/refs/2 | None | base_2027q1_funding_cost |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/id | None | base_2027q1_raw_transaction_cost |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_raw_transaction_cost:base/value | None | 710.0 |
| /operating_model/cells/base_2027q1_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2027q1_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2027q1_recognition_timing:base/id | None | base_2027q1_recognition_timing |
| /operating_model/cells/base_2027q1_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2027q1_recognition_timing:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_recognition_timing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q1_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_restructuring:base/case | None | base |
| /operating_model/cells/base_2027q1_restructuring:base/id | None | base_2027q1_restructuring |
| /operating_model/cells/base_2027q1_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2027q1_restructuring:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2027q1_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2027q1_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/0 | None | base_2027q1_pre_presentation_revenue |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/1 | None | base_2027q1_presentation_reduction |
| /operating_model/cells/base_2027q1_revenue:base/id | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2027q1_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_revenue:base/value | None | 1120.0 |
| /operating_model/cells/base_2027q1_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2027q1_sbc:base/case | None | base |
| /operating_model/cells/base_2027q1_sbc:base/id | None | base_2027q1_sbc |
| /operating_model/cells/base_2027q1_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2027q1_sbc:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_sbc:base/value | None | 53.0 |
| /operating_model/cells/base_2027q1_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2027q1_senior_deployment:base/id | None | base_2027q1_senior_deployment |
| /operating_model/cells/base_2027q1_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2027q1_senior_deployment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_senior_deployment:base/value | None | 150.0 |
| /operating_model/cells/base_2027q1_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2027q1_service_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_service_revenue:base/formula/refs/0 | None | base_2027q1_gmv |
| /operating_model/cells/base_2027q1_service_revenue:base/formula/refs/1 | None | base_2027q1_service_yield |
| /operating_model/cells/base_2027q1_service_revenue:base/id | None | base_2027q1_service_revenue |
| /operating_model/cells/base_2027q1_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2027q1_service_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_service_revenue:base/value | None | 780.0 |
| /operating_model/cells/base_2027q1_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_service_yield:base/case | None | base |
| /operating_model/cells/base_2027q1_service_yield:base/id | None | base_2027q1_service_yield |
| /operating_model/cells/base_2027q1_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2027q1_service_yield:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_service_yield:base/value | None | 0.0195 |
| /operating_model/cells/base_2027q1_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2027q1_tmd:base/case | None | base |
| /operating_model/cells/base_2027q1_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_tmd:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_tmd:base/formula/refs/1 | None | base_2027q1_transaction_cost |
| /operating_model/cells/base_2027q1_tmd:base/id | None | base_2027q1_tmd |
| /operating_model/cells/base_2027q1_tmd:base/kind | None | derived |
| /operating_model/cells/base_2027q1_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2027q1_tmd:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_tmd:base/value | None | 450.0 |
| /operating_model/cells/base_2027q1_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2027q1_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_transaction_cost:base/formula/refs/0 | None | base_2027q1_raw_transaction_cost |
| /operating_model/cells/base_2027q1_transaction_cost:base/formula/refs/1 | None | base_2027q1_accounting_reductions |
| /operating_model/cells/base_2027q1_transaction_cost:base/id | None | base_2027q1_transaction_cost |
| /operating_model/cells/base_2027q1_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2027q1_transaction_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_transaction_cost:base/value | None | 670.0 |
| /operating_model/cells/base_2027q1_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2027q1_treasury_deployment:base/id | None | base_2027q1_treasury_deployment |
| /operating_model/cells/base_2027q1_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2027q1_treasury_deployment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_2027q2_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2027q2_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2027q2_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_accounting_reductions:base/formula/refs/0 | None | base_2027q2_presentation_reduction |
| /operating_model/cells/base_2027q2_accounting_reductions:base/formula/refs/1 | None | base_2027q2_recognition_timing |
| /operating_model/cells/base_2027q2_accounting_reductions:base/id | None | base_2027q2_accounting_reductions |
| /operating_model/cells/base_2027q2_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2027q2_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2027q2_accounting_reductions:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_accounting_reductions:base/value | None | 42.0 |
| /operating_model/cells/base_2027q2_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2027q2_adj_operating:base/case | None | base |
| /operating_model/cells/base_2027q2_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_adj_operating:base/formula/refs/0 | None | base_2027q2_tmd |
| /operating_model/cells/base_2027q2_adj_operating:base/formula/refs/1 | None | base_2027q2_adjusted_opex |
| /operating_model/cells/base_2027q2_adj_operating:base/id | None | base_2027q2_adj_operating |
| /operating_model/cells/base_2027q2_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2027q2_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2027q2_adj_operating:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_adj_operating:base/value | None | 90.0 |
| /operating_model/cells/base_2027q2_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2027q2_adjusted_opex:base/id | None | base_2027q2_adjusted_opex |
| /operating_model/cells/base_2027q2_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2027q2_adjusted_opex:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_adjusted_opex:base/value | None | 390.0 |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/formula/refs/0 | None | base_2027q2_loan_deployment |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/formula/refs/1 | None | base_2027q2_senior_deployment |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/formula/refs/2 | None | base_2027q2_treasury_deployment |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/id | None | base_2027q2_bank_asset_deployment |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_bank_asset_deployment:base/value | None | 575.0 |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/formula/refs/0 | None | base_2027q2_cash_before_bank_balances |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/formula/refs/1 | None | base_2027q2_deposit_flow |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/formula/refs/2 | None | base_2027q2_operating_notes_flow |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/id | None | base_2027q2_bank_funding_inflow |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_bank_funding_inflow:base/value | None | 410.0 |
| /operating_model/cells/base_2027q2_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_capex:base/case | None | base |
| /operating_model/cells/base_2027q2_capex:base/id | None | base_2027q2_capex |
| /operating_model/cells/base_2027q2_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2027q2_capex:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_capex:base/value | None | 13.0 |
| /operating_model/cells/base_2027q2_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2027q2_capital_cash:base/case | None | base |
| /operating_model/cells/base_2027q2_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_capital_cash:base/formula/refs/0 | None | base_2027q2_capex |
| /operating_model/cells/base_2027q2_capital_cash:base/formula/refs/1 | None | base_2027q2_lease_principal |
| /operating_model/cells/base_2027q2_capital_cash:base/id | None | base_2027q2_capital_cash |
| /operating_model/cells/base_2027q2_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q2_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2027q2_capital_cash:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_capital_cash:base/value | None | 18.0 |
| /operating_model/cells/base_2027q2_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2027q2_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_after_capex:base/formula/refs/0 | None | base_2027q2_cfo |
| /operating_model/cells/base_2027q2_cash_after_capex:base/formula/refs/1 | None | base_2027q2_capital_cash |
| /operating_model/cells/base_2027q2_cash_after_capex:base/id | None | base_2027q2_cash_after_capex |
| /operating_model/cells/base_2027q2_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2027q2_cash_after_capex:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_after_capex:base/value | None | -183.0 |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/formula/refs/0 | None | base_2027q2_noncash_credit_bridge |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/formula/refs/1 | None | base_2027q2_cash_earnings_adjustment |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/id | None | base_2027q2_cash_before_bank_balances |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_before_bank_balances:base/value | None | 260.0 |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/refs/0 | None | base_2027q2_loan_sale_gain |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/refs/1 | None | base_2027q2_recognition_timing |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/refs/2 | None | base_2027q2_restructuring |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/refs/3 | None | base_2027q2_cash_tax |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/formula/refs/4 | None | base_2027q2_other_settlement_use |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/id | None | base_2027q2_cash_earnings_adjustment |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_earnings_adjustment:base/value | None | 163.0 |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/id | None | base_2027q2_cash_funding_expense |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_funding_expense:base/value | None | 115.0 |
| /operating_model/cells/base_2027q2_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_tax:base/id | None | base_2027q2_cash_tax |
| /operating_model/cells/base_2027q2_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2027q2_cash_tax:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_tax:base/value | None | 18.0 |
| /operating_model/cells/base_2027q2_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2027q2_cfo:base/case | None | base |
| /operating_model/cells/base_2027q2_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cfo:base/formula/refs/0 | None | base_2027q2_bank_funding_inflow |
| /operating_model/cells/base_2027q2_cfo:base/formula/refs/1 | None | base_2027q2_bank_asset_deployment |
| /operating_model/cells/base_2027q2_cfo:base/id | None | base_2027q2_cfo |
| /operating_model/cells/base_2027q2_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2027q2_cfo:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cfo:base/value | None | -165.0 |
| /operating_model/cells/base_2027q2_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2027q2_credit_expense:base/case | None | base |
| /operating_model/cells/base_2027q2_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_credit_expense:base/formula/refs/0 | None | base_2027q2_gmv |
| /operating_model/cells/base_2027q2_credit_expense:base/formula/refs/1 | None | base_2027q2_credit_ratio |
| /operating_model/cells/base_2027q2_credit_expense:base/id | None | base_2027q2_credit_expense |
| /operating_model/cells/base_2027q2_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2027q2_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2027q2_credit_expense:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_credit_expense:base/value | None | 273.0 |
| /operating_model/cells/base_2027q2_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_credit_ratio:base/id | None | base_2027q2_credit_ratio |
| /operating_model/cells/base_2027q2_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2027q2_credit_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2027q2_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_da:base/case | None | base |
| /operating_model/cells/base_2027q2_da:base/id | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2027q2_da:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_da:base/value | None | 27.0 |
| /operating_model/cells/base_2027q2_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2027q2_deposit_flow:base/id | None | base_2027q2_deposit_flow |
| /operating_model/cells/base_2027q2_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2027q2_deposit_flow:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_deposit_flow:base/value | None | 150.0 |
| /operating_model/cells/base_2027q2_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2027q2_funding_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_funding_cost:base/formula/refs/0 | None | base_2027q2_cash_funding_expense |
| /operating_model/cells/base_2027q2_funding_cost:base/formula/refs/1 | None | base_2027q2_funding_fv |
| /operating_model/cells/base_2027q2_funding_cost:base/id | None | base_2027q2_funding_cost |
| /operating_model/cells/base_2027q2_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2027q2_funding_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_funding_cost:base/value | None | 175.0 |
| /operating_model/cells/base_2027q2_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_funding_fv:base/case | None | base |
| /operating_model/cells/base_2027q2_funding_fv:base/id | None | base_2027q2_funding_fv |
| /operating_model/cells/base_2027q2_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2027q2_funding_fv:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_funding_fv:base/value | None | 60.0 |
| /operating_model/cells/base_2027q2_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_gmv:base/case | None | base |
| /operating_model/cells/base_2027q2_gmv:base/id | None | base_2027q2_gmv |
| /operating_model/cells/base_2027q2_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2027q2_gmv:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_gmv:base/value | None | 42000.0 |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/formula/refs/0 | None | base_2027q2_sbc |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/formula/refs/1 | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/formula/refs/2 | None | base_2027q2_restructuring |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/id | None | base_2027q2_ifrs_adjustments |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_ifrs_adjustments:base/value | None | 88.0 |
| /operating_model/cells/base_2027q2_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q2_interest_income:base/id | None | base_2027q2_interest_income |
| /operating_model/cells/base_2027q2_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2027q2_interest_income:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_interest_income:base/value | None | 290.0 |
| /operating_model/cells/base_2027q2_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_lease_principal:base/case | None | base |
| /operating_model/cells/base_2027q2_lease_principal:base/id | None | base_2027q2_lease_principal |
| /operating_model/cells/base_2027q2_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2027q2_lease_principal:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2027q2_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2027q2_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2027q2_loan_deployment:base/id | None | base_2027q2_loan_deployment |
| /operating_model/cells/base_2027q2_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2027q2_loan_deployment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_loan_deployment:base/value | None | 300.0 |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/id | None | base_2027q2_loan_sale_gain |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_loan_sale_gain:base/value | None | 115.0 |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/formula/refs/0 | None | base_2027q2_adj_operating |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/formula/refs/1 | None | base_2027q2_credit_expense |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/formula/refs/2 | None | base_2027q2_funding_fv |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/id | None | base_2027q2_noncash_credit_bridge |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_noncash_credit_bridge:base/value | None | 423.0 |
| /operating_model/cells/base_2027q2_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2027q2_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q2_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_operating_income:base/formula/refs/0 | None | base_2027q2_adj_operating |
| /operating_model/cells/base_2027q2_operating_income:base/formula/refs/1 | None | base_2027q2_ifrs_adjustments |
| /operating_model/cells/base_2027q2_operating_income:base/id | None | base_2027q2_operating_income |
| /operating_model/cells/base_2027q2_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q2_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2027q2_operating_income:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_operating_income:base/value | None | 2.0 |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/id | None | base_2027q2_operating_notes_flow |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2027q2_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2027q2_other_settlement_use:base/id | None | base_2027q2_other_settlement_use |
| /operating_model/cells/base_2027q2_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2027q2_other_settlement_use:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_other_settlement_use:base/value | None | 26.0 |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/formula/refs/0 | None | base_2027q2_service_revenue |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/formula/refs/1 | None | base_2027q2_interest_income |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/formula/refs/2 | None | base_2027q2_loan_sale_gain |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/id | None | base_2027q2_pre_presentation_revenue |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_pre_presentation_revenue:base/value | None | 1222.0 |
| /operating_model/cells/base_2027q2_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2027q2_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_presentation_ratio:base/id | None | base_2027q2_presentation_ratio |
| /operating_model/cells/base_2027q2_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2027q2_presentation_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2027q2_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2027q2_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2027q2_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_presentation_reduction:base/formula/refs/0 | None | base_2027q2_gmv |
| /operating_model/cells/base_2027q2_presentation_reduction:base/formula/refs/1 | None | base_2027q2_presentation_ratio |
| /operating_model/cells/base_2027q2_presentation_reduction:base/id | None | base_2027q2_presentation_reduction |
| /operating_model/cells/base_2027q2_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2027q2_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2027q2_presentation_reduction:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_presentation_reduction:base/value | None | 42.0 |
| /operating_model/cells/base_2027q2_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2027q2_processing_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_processing_cost:base/formula/refs/0 | None | base_2027q2_gmv |
| /operating_model/cells/base_2027q2_processing_cost:base/formula/refs/1 | None | base_2027q2_processing_ratio |
| /operating_model/cells/base_2027q2_processing_cost:base/id | None | base_2027q2_processing_cost |
| /operating_model/cells/base_2027q2_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2027q2_processing_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_processing_cost:base/value | None | 294.0 |
| /operating_model/cells/base_2027q2_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_processing_ratio:base/id | None | base_2027q2_processing_ratio |
| /operating_model/cells/base_2027q2_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2027q2_processing_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/formula/refs/0 | None | base_2027q2_processing_cost |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/formula/refs/1 | None | base_2027q2_credit_expense |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/formula/refs/2 | None | base_2027q2_funding_cost |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/id | None | base_2027q2_raw_transaction_cost |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_raw_transaction_cost:base/value | None | 742.0 |
| /operating_model/cells/base_2027q2_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2027q2_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2027q2_recognition_timing:base/id | None | base_2027q2_recognition_timing |
| /operating_model/cells/base_2027q2_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2027q2_recognition_timing:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_recognition_timing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q2_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_restructuring:base/case | None | base |
| /operating_model/cells/base_2027q2_restructuring:base/id | None | base_2027q2_restructuring |
| /operating_model/cells/base_2027q2_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2027q2_restructuring:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2027q2_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2027q2_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/0 | None | base_2027q2_pre_presentation_revenue |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/1 | None | base_2027q2_presentation_reduction |
| /operating_model/cells/base_2027q2_revenue:base/id | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2027q2_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_revenue:base/value | None | 1180.0 |
| /operating_model/cells/base_2027q2_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2027q2_sbc:base/case | None | base |
| /operating_model/cells/base_2027q2_sbc:base/id | None | base_2027q2_sbc |
| /operating_model/cells/base_2027q2_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2027q2_sbc:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_sbc:base/value | None | 57.0 |
| /operating_model/cells/base_2027q2_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2027q2_senior_deployment:base/id | None | base_2027q2_senior_deployment |
| /operating_model/cells/base_2027q2_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2027q2_senior_deployment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_senior_deployment:base/value | None | 175.0 |
| /operating_model/cells/base_2027q2_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2027q2_service_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_service_revenue:base/formula/refs/0 | None | base_2027q2_gmv |
| /operating_model/cells/base_2027q2_service_revenue:base/formula/refs/1 | None | base_2027q2_service_yield |
| /operating_model/cells/base_2027q2_service_revenue:base/id | None | base_2027q2_service_revenue |
| /operating_model/cells/base_2027q2_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2027q2_service_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_service_revenue:base/value | None | 817.0 |
| /operating_model/cells/base_2027q2_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_service_yield:base/case | None | base |
| /operating_model/cells/base_2027q2_service_yield:base/id | None | base_2027q2_service_yield |
| /operating_model/cells/base_2027q2_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2027q2_service_yield:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_service_yield:base/value | None | 0.019452380952380954 |
| /operating_model/cells/base_2027q2_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2027q2_tmd:base/case | None | base |
| /operating_model/cells/base_2027q2_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_tmd:base/formula/refs/0 | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_tmd:base/formula/refs/1 | None | base_2027q2_transaction_cost |
| /operating_model/cells/base_2027q2_tmd:base/id | None | base_2027q2_tmd |
| /operating_model/cells/base_2027q2_tmd:base/kind | None | derived |
| /operating_model/cells/base_2027q2_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2027q2_tmd:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_tmd:base/value | None | 480.0 |
| /operating_model/cells/base_2027q2_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2027q2_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_transaction_cost:base/formula/refs/0 | None | base_2027q2_raw_transaction_cost |
| /operating_model/cells/base_2027q2_transaction_cost:base/formula/refs/1 | None | base_2027q2_accounting_reductions |
| /operating_model/cells/base_2027q2_transaction_cost:base/id | None | base_2027q2_transaction_cost |
| /operating_model/cells/base_2027q2_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2027q2_transaction_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_transaction_cost:base/value | None | 700.0 |
| /operating_model/cells/base_2027q2_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2027q2_treasury_deployment:base/id | None | base_2027q2_treasury_deployment |
| /operating_model/cells/base_2027q2_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2027q2_treasury_deployment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_2027q3_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2027q3_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2027q3_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_accounting_reductions:base/formula/refs/0 | None | base_2027q3_presentation_reduction |
| /operating_model/cells/base_2027q3_accounting_reductions:base/formula/refs/1 | None | base_2027q3_recognition_timing |
| /operating_model/cells/base_2027q3_accounting_reductions:base/id | None | base_2027q3_accounting_reductions |
| /operating_model/cells/base_2027q3_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2027q3_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2027q3_accounting_reductions:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_accounting_reductions:base/value | None | 43.5 |
| /operating_model/cells/base_2027q3_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2027q3_adj_operating:base/case | None | base |
| /operating_model/cells/base_2027q3_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_adj_operating:base/formula/refs/0 | None | base_2027q3_tmd |
| /operating_model/cells/base_2027q3_adj_operating:base/formula/refs/1 | None | base_2027q3_adjusted_opex |
| /operating_model/cells/base_2027q3_adj_operating:base/id | None | base_2027q3_adj_operating |
| /operating_model/cells/base_2027q3_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2027q3_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2027q3_adj_operating:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_adj_operating:base/value | None | 105.0 |
| /operating_model/cells/base_2027q3_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2027q3_adjusted_opex:base/id | None | base_2027q3_adjusted_opex |
| /operating_model/cells/base_2027q3_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2027q3_adjusted_opex:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_adjusted_opex:base/value | None | 395.0 |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/formula/refs/0 | None | base_2027q3_loan_deployment |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/formula/refs/1 | None | base_2027q3_senior_deployment |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/formula/refs/2 | None | base_2027q3_treasury_deployment |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/id | None | base_2027q3_bank_asset_deployment |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_bank_asset_deployment:base/value | None | 600.0 |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/formula/refs/0 | None | base_2027q3_cash_before_bank_balances |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/formula/refs/1 | None | base_2027q3_deposit_flow |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/formula/refs/2 | None | base_2027q3_operating_notes_flow |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/id | None | base_2027q3_bank_funding_inflow |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_bank_funding_inflow:base/value | None | 425.75 |
| /operating_model/cells/base_2027q3_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_capex:base/case | None | base |
| /operating_model/cells/base_2027q3_capex:base/id | None | base_2027q3_capex |
| /operating_model/cells/base_2027q3_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2027q3_capex:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_capex:base/value | None | 14.0 |
| /operating_model/cells/base_2027q3_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2027q3_capital_cash:base/case | None | base |
| /operating_model/cells/base_2027q3_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_capital_cash:base/formula/refs/0 | None | base_2027q3_capex |
| /operating_model/cells/base_2027q3_capital_cash:base/formula/refs/1 | None | base_2027q3_lease_principal |
| /operating_model/cells/base_2027q3_capital_cash:base/id | None | base_2027q3_capital_cash |
| /operating_model/cells/base_2027q3_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q3_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2027q3_capital_cash:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_capital_cash:base/value | None | 19.0 |
| /operating_model/cells/base_2027q3_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2027q3_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_after_capex:base/formula/refs/0 | None | base_2027q3_cfo |
| /operating_model/cells/base_2027q3_cash_after_capex:base/formula/refs/1 | None | base_2027q3_capital_cash |
| /operating_model/cells/base_2027q3_cash_after_capex:base/id | None | base_2027q3_cash_after_capex |
| /operating_model/cells/base_2027q3_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2027q3_cash_after_capex:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_after_capex:base/value | None | -193.25 |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/formula/refs/0 | None | base_2027q3_noncash_credit_bridge |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/formula/refs/1 | None | base_2027q3_cash_earnings_adjustment |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/id | None | base_2027q3_cash_before_bank_balances |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_before_bank_balances:base/value | None | 275.75 |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/refs/0 | None | base_2027q3_loan_sale_gain |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/refs/1 | None | base_2027q3_recognition_timing |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/refs/2 | None | base_2027q3_restructuring |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/refs/3 | None | base_2027q3_cash_tax |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/formula/refs/4 | None | base_2027q3_other_settlement_use |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/id | None | base_2027q3_cash_earnings_adjustment |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_earnings_adjustment:base/value | None | 177.0 |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/id | None | base_2027q3_cash_funding_expense |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_funding_expense:base/value | None | 91.25 |
| /operating_model/cells/base_2027q3_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_tax:base/id | None | base_2027q3_cash_tax |
| /operating_model/cells/base_2027q3_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2027q3_cash_tax:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_tax:base/value | None | 20.0 |
| /operating_model/cells/base_2027q3_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2027q3_cfo:base/case | None | base |
| /operating_model/cells/base_2027q3_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cfo:base/formula/refs/0 | None | base_2027q3_bank_funding_inflow |
| /operating_model/cells/base_2027q3_cfo:base/formula/refs/1 | None | base_2027q3_bank_asset_deployment |
| /operating_model/cells/base_2027q3_cfo:base/id | None | base_2027q3_cfo |
| /operating_model/cells/base_2027q3_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2027q3_cfo:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cfo:base/value | None | -174.25 |
| /operating_model/cells/base_2027q3_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2027q3_credit_expense:base/case | None | base |
| /operating_model/cells/base_2027q3_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_credit_expense:base/formula/refs/0 | None | base_2027q3_gmv |
| /operating_model/cells/base_2027q3_credit_expense:base/formula/refs/1 | None | base_2027q3_credit_ratio |
| /operating_model/cells/base_2027q3_credit_expense:base/id | None | base_2027q3_credit_expense |
| /operating_model/cells/base_2027q3_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2027q3_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2027q3_credit_expense:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_credit_expense:base/value | None | 282.75 |
| /operating_model/cells/base_2027q3_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_credit_ratio:base/id | None | base_2027q3_credit_ratio |
| /operating_model/cells/base_2027q3_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2027q3_credit_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2027q3_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_da:base/case | None | base |
| /operating_model/cells/base_2027q3_da:base/id | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2027q3_da:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_da:base/value | None | 28.0 |
| /operating_model/cells/base_2027q3_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2027q3_deposit_flow:base/id | None | base_2027q3_deposit_flow |
| /operating_model/cells/base_2027q3_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2027q3_deposit_flow:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_deposit_flow:base/value | None | 150.0 |
| /operating_model/cells/base_2027q3_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2027q3_funding_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_funding_cost:base/formula/refs/0 | None | base_2027q3_cash_funding_expense |
| /operating_model/cells/base_2027q3_funding_cost:base/formula/refs/1 | None | base_2027q3_funding_fv |
| /operating_model/cells/base_2027q3_funding_cost:base/id | None | base_2027q3_funding_cost |
| /operating_model/cells/base_2027q3_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2027q3_funding_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_funding_cost:base/value | None | 156.25 |
| /operating_model/cells/base_2027q3_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_funding_fv:base/case | None | base |
| /operating_model/cells/base_2027q3_funding_fv:base/id | None | base_2027q3_funding_fv |
| /operating_model/cells/base_2027q3_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2027q3_funding_fv:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_funding_fv:base/value | None | 65.0 |
| /operating_model/cells/base_2027q3_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_gmv:base/case | None | base |
| /operating_model/cells/base_2027q3_gmv:base/id | None | base_2027q3_gmv |
| /operating_model/cells/base_2027q3_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2027q3_gmv:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_gmv:base/value | None | 43500.0 |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/formula/refs/0 | None | base_2027q3_sbc |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/formula/refs/1 | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/formula/refs/2 | None | base_2027q3_restructuring |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/id | None | base_2027q3_ifrs_adjustments |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_ifrs_adjustments:base/value | None | 93.0 |
| /operating_model/cells/base_2027q3_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q3_interest_income:base/id | None | base_2027q3_interest_income |
| /operating_model/cells/base_2027q3_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2027q3_interest_income:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_interest_income:base/value | None | 305.0 |
| /operating_model/cells/base_2027q3_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_lease_principal:base/case | None | base |
| /operating_model/cells/base_2027q3_lease_principal:base/id | None | base_2027q3_lease_principal |
| /operating_model/cells/base_2027q3_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2027q3_lease_principal:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2027q3_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2027q3_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2027q3_loan_deployment:base/id | None | base_2027q3_loan_deployment |
| /operating_model/cells/base_2027q3_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2027q3_loan_deployment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_loan_deployment:base/value | None | 300.0 |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/id | None | base_2027q3_loan_sale_gain |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_loan_sale_gain:base/value | None | 125.0 |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/formula/refs/0 | None | base_2027q3_adj_operating |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/formula/refs/1 | None | base_2027q3_credit_expense |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/formula/refs/2 | None | base_2027q3_funding_fv |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/id | None | base_2027q3_noncash_credit_bridge |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_noncash_credit_bridge:base/value | None | 452.75 |
| /operating_model/cells/base_2027q3_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2027q3_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q3_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_operating_income:base/formula/refs/0 | None | base_2027q3_adj_operating |
| /operating_model/cells/base_2027q3_operating_income:base/formula/refs/1 | None | base_2027q3_ifrs_adjustments |
| /operating_model/cells/base_2027q3_operating_income:base/id | None | base_2027q3_operating_income |
| /operating_model/cells/base_2027q3_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q3_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2027q3_operating_income:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_operating_income:base/value | None | 12.0 |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/id | None | base_2027q3_operating_notes_flow |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2027q3_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2027q3_other_settlement_use:base/id | None | base_2027q3_other_settlement_use |
| /operating_model/cells/base_2027q3_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2027q3_other_settlement_use:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_other_settlement_use:base/value | None | 28.0 |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/formula/refs/0 | None | base_2027q3_service_revenue |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/formula/refs/1 | None | base_2027q3_interest_income |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/formula/refs/2 | None | base_2027q3_loan_sale_gain |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/id | None | base_2027q3_pre_presentation_revenue |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_pre_presentation_revenue:base/value | None | 1243.5 |
| /operating_model/cells/base_2027q3_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2027q3_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_presentation_ratio:base/id | None | base_2027q3_presentation_ratio |
| /operating_model/cells/base_2027q3_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2027q3_presentation_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2027q3_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2027q3_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2027q3_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_presentation_reduction:base/formula/refs/0 | None | base_2027q3_gmv |
| /operating_model/cells/base_2027q3_presentation_reduction:base/formula/refs/1 | None | base_2027q3_presentation_ratio |
| /operating_model/cells/base_2027q3_presentation_reduction:base/id | None | base_2027q3_presentation_reduction |
| /operating_model/cells/base_2027q3_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2027q3_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2027q3_presentation_reduction:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_presentation_reduction:base/value | None | 43.5 |
| /operating_model/cells/base_2027q3_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2027q3_processing_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_processing_cost:base/formula/refs/0 | None | base_2027q3_gmv |
| /operating_model/cells/base_2027q3_processing_cost:base/formula/refs/1 | None | base_2027q3_processing_ratio |
| /operating_model/cells/base_2027q3_processing_cost:base/id | None | base_2027q3_processing_cost |
| /operating_model/cells/base_2027q3_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2027q3_processing_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_processing_cost:base/value | None | 304.5 |
| /operating_model/cells/base_2027q3_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_processing_ratio:base/id | None | base_2027q3_processing_ratio |
| /operating_model/cells/base_2027q3_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2027q3_processing_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/formula/refs/0 | None | base_2027q3_processing_cost |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/formula/refs/1 | None | base_2027q3_credit_expense |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/formula/refs/2 | None | base_2027q3_funding_cost |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/id | None | base_2027q3_raw_transaction_cost |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_raw_transaction_cost:base/value | None | 743.5 |
| /operating_model/cells/base_2027q3_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2027q3_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2027q3_recognition_timing:base/id | None | base_2027q3_recognition_timing |
| /operating_model/cells/base_2027q3_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2027q3_recognition_timing:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_recognition_timing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q3_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_restructuring:base/case | None | base |
| /operating_model/cells/base_2027q3_restructuring:base/id | None | base_2027q3_restructuring |
| /operating_model/cells/base_2027q3_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2027q3_restructuring:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2027q3_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2027q3_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/0 | None | base_2027q3_pre_presentation_revenue |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/1 | None | base_2027q3_presentation_reduction |
| /operating_model/cells/base_2027q3_revenue:base/id | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2027q3_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_revenue:base/value | None | 1200.0 |
| /operating_model/cells/base_2027q3_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2027q3_sbc:base/case | None | base |
| /operating_model/cells/base_2027q3_sbc:base/id | None | base_2027q3_sbc |
| /operating_model/cells/base_2027q3_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2027q3_sbc:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_sbc:base/value | None | 61.0 |
| /operating_model/cells/base_2027q3_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2027q3_senior_deployment:base/id | None | base_2027q3_senior_deployment |
| /operating_model/cells/base_2027q3_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2027q3_senior_deployment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_senior_deployment:base/value | None | 200.0 |
| /operating_model/cells/base_2027q3_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2027q3_service_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_service_revenue:base/formula/refs/0 | None | base_2027q3_gmv |
| /operating_model/cells/base_2027q3_service_revenue:base/formula/refs/1 | None | base_2027q3_service_yield |
| /operating_model/cells/base_2027q3_service_revenue:base/id | None | base_2027q3_service_revenue |
| /operating_model/cells/base_2027q3_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2027q3_service_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_service_revenue:base/value | None | 813.5000000000001 |
| /operating_model/cells/base_2027q3_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_service_yield:base/case | None | base |
| /operating_model/cells/base_2027q3_service_yield:base/id | None | base_2027q3_service_yield |
| /operating_model/cells/base_2027q3_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2027q3_service_yield:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_service_yield:base/value | None | 0.018701149425287358 |
| /operating_model/cells/base_2027q3_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2027q3_tmd:base/case | None | base |
| /operating_model/cells/base_2027q3_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_tmd:base/formula/refs/0 | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_tmd:base/formula/refs/1 | None | base_2027q3_transaction_cost |
| /operating_model/cells/base_2027q3_tmd:base/id | None | base_2027q3_tmd |
| /operating_model/cells/base_2027q3_tmd:base/kind | None | derived |
| /operating_model/cells/base_2027q3_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2027q3_tmd:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_tmd:base/value | None | 500.0 |
| /operating_model/cells/base_2027q3_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2027q3_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_transaction_cost:base/formula/refs/0 | None | base_2027q3_raw_transaction_cost |
| /operating_model/cells/base_2027q3_transaction_cost:base/formula/refs/1 | None | base_2027q3_accounting_reductions |
| /operating_model/cells/base_2027q3_transaction_cost:base/id | None | base_2027q3_transaction_cost |
| /operating_model/cells/base_2027q3_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2027q3_transaction_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_transaction_cost:base/value | None | 700.0 |
| /operating_model/cells/base_2027q3_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2027q3_treasury_deployment:base/id | None | base_2027q3_treasury_deployment |
| /operating_model/cells/base_2027q3_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2027q3_treasury_deployment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_2027q4_accounting_reductions:base/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/base_2027q4_accounting_reductions:base/case | None | base |
| /operating_model/cells/base_2027q4_accounting_reductions:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_accounting_reductions:base/formula/refs/0 | None | base_2027q4_presentation_reduction |
| /operating_model/cells/base_2027q4_accounting_reductions:base/formula/refs/1 | None | base_2027q4_recognition_timing |
| /operating_model/cells/base_2027q4_accounting_reductions:base/id | None | base_2027q4_accounting_reductions |
| /operating_model/cells/base_2027q4_accounting_reductions:base/kind | None | derived |
| /operating_model/cells/base_2027q4_accounting_reductions:base/label | None | Presentation and timing cost reductions |
| /operating_model/cells/base_2027q4_accounting_reductions:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_accounting_reductions:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_accounting_reductions:base/value | None | 53.0 |
| /operating_model/cells/base_2027q4_adj_operating:base/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/base_2027q4_adj_operating:base/case | None | base |
| /operating_model/cells/base_2027q4_adj_operating:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_adj_operating:base/formula/refs/0 | None | base_2027q4_tmd |
| /operating_model/cells/base_2027q4_adj_operating:base/formula/refs/1 | None | base_2027q4_adjusted_opex |
| /operating_model/cells/base_2027q4_adj_operating:base/id | None | base_2027q4_adj_operating |
| /operating_model/cells/base_2027q4_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_2027q4_adj_operating:base/label | None | Adjusted operating income |
| /operating_model/cells/base_2027q4_adj_operating:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_adj_operating:base/value | None | 220.0 |
| /operating_model/cells/base_2027q4_adjusted_opex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_adjusted_opex:base/case | None | base |
| /operating_model/cells/base_2027q4_adjusted_opex:base/id | None | base_2027q4_adjusted_opex |
| /operating_model/cells/base_2027q4_adjusted_opex:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_adjusted_opex:base/label | None | Adjusted operating expenses |
| /operating_model/cells/base_2027q4_adjusted_opex:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_adjusted_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_adjusted_opex:base/value | None | 440.0 |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/case | None | base |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/formula/refs/0 | None | base_2027q4_loan_deployment |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/formula/refs/1 | None | base_2027q4_senior_deployment |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/formula/refs/2 | None | base_2027q4_treasury_deployment |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/id | None | base_2027q4_bank_asset_deployment |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/kind | None | derived |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/label | None | Loan senior and treasury investment |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_bank_asset_deployment:base/value | None | 725.0 |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/case | None | base |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/formula/refs/0 | None | base_2027q4_cash_before_bank_balances |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/formula/refs/1 | None | base_2027q4_deposit_flow |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/formula/refs/2 | None | base_2027q4_operating_notes_flow |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/id | None | base_2027q4_bank_funding_inflow |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/kind | None | derived |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_bank_funding_inflow:base/value | None | 643.5 |
| /operating_model/cells/base_2027q4_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_capex:base/case | None | base |
| /operating_model/cells/base_2027q4_capex:base/id | None | base_2027q4_capex |
| /operating_model/cells/base_2027q4_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_capex:base/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/base_2027q4_capex:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_capex:base/value | None | 15.0 |
| /operating_model/cells/base_2027q4_capital_cash:base/basis | None | Other financing cash excluded. |
| /operating_model/cells/base_2027q4_capital_cash:base/case | None | base |
| /operating_model/cells/base_2027q4_capital_cash:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_capital_cash:base/formula/refs/0 | None | base_2027q4_capex |
| /operating_model/cells/base_2027q4_capital_cash:base/formula/refs/1 | None | base_2027q4_lease_principal |
| /operating_model/cells/base_2027q4_capital_cash:base/id | None | base_2027q4_capital_cash |
| /operating_model/cells/base_2027q4_capital_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q4_capital_cash:base/label | None | Capex and lease principal |
| /operating_model/cells/base_2027q4_capital_cash:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_capital_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_capital_cash:base/value | None | 20.0 |
| /operating_model/cells/base_2027q4_cash_after_capex:base/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/base_2027q4_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_after_capex:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_after_capex:base/formula/refs/0 | None | base_2027q4_cfo |
| /operating_model/cells/base_2027q4_cash_after_capex:base/formula/refs/1 | None | base_2027q4_capital_cash |
| /operating_model/cells/base_2027q4_cash_after_capex:base/id | None | base_2027q4_cash_after_capex |
| /operating_model/cells/base_2027q4_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_after_capex:base/label | None | Bank CFO after capex and leases |
| /operating_model/cells/base_2027q4_cash_after_capex:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_after_capex:base/value | None | -101.5 |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/formula/refs/0 | None | base_2027q4_noncash_credit_bridge |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/formula/refs/1 | None | base_2027q4_cash_earnings_adjustment |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/id | None | base_2027q4_cash_before_bank_balances |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_before_bank_balances:base/value | None | 443.5 |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/refs/0 | None | base_2027q4_loan_sale_gain |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/refs/1 | None | base_2027q4_recognition_timing |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/refs/2 | None | base_2027q4_restructuring |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/refs/3 | None | base_2027q4_cash_tax |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/formula/refs/4 | None | base_2027q4_other_settlement_use |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/id | None | base_2027q4_cash_earnings_adjustment |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/label | None | Loan gains timing and cash uses |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_earnings_adjustment:base/value | None | 191.0 |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/id | None | base_2027q4_cash_funding_expense |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_funding_expense:base/value | None | 87.5 |
| /operating_model/cells/base_2027q4_cash_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_tax:base/id | None | base_2027q4_cash_tax |
| /operating_model/cells/base_2027q4_cash_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_tax:base/label | None | Cash income taxes |
| /operating_model/cells/base_2027q4_cash_tax:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_tax:base/value | None | 22.0 |
| /operating_model/cells/base_2027q4_cfo:base/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/base_2027q4_cfo:base/case | None | base |
| /operating_model/cells/base_2027q4_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cfo:base/formula/refs/0 | None | base_2027q4_bank_funding_inflow |
| /operating_model/cells/base_2027q4_cfo:base/formula/refs/1 | None | base_2027q4_bank_asset_deployment |
| /operating_model/cells/base_2027q4_cfo:base/id | None | base_2027q4_cfo |
| /operating_model/cells/base_2027q4_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cfo:base/label | None | Bank operating cash flow proxy |
| /operating_model/cells/base_2027q4_cfo:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cfo:base/value | None | -81.5 |
| /operating_model/cells/base_2027q4_credit_expense:base/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/base_2027q4_credit_expense:base/case | None | base |
| /operating_model/cells/base_2027q4_credit_expense:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_credit_expense:base/formula/refs/0 | None | base_2027q4_gmv |
| /operating_model/cells/base_2027q4_credit_expense:base/formula/refs/1 | None | base_2027q4_credit_ratio |
| /operating_model/cells/base_2027q4_credit_expense:base/id | None | base_2027q4_credit_expense |
| /operating_model/cells/base_2027q4_credit_expense:base/kind | None | derived |
| /operating_model/cells/base_2027q4_credit_expense:base/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/base_2027q4_credit_expense:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_credit_expense:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_credit_expense:base/value | None | 344.5 |
| /operating_model/cells/base_2027q4_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_credit_ratio:base/id | None | base_2027q4_credit_ratio |
| /operating_model/cells/base_2027q4_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_credit_ratio:base/label | None | Credit expense / GMV |
| /operating_model/cells/base_2027q4_credit_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_credit_ratio:base/value | None | 0.0065 |
| /operating_model/cells/base_2027q4_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_da:base/case | None | base |
| /operating_model/cells/base_2027q4_da:base/id | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_da:base/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/base_2027q4_da:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_da:base/value | None | 29.0 |
| /operating_model/cells/base_2027q4_deposit_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_deposit_flow:base/case | None | base |
| /operating_model/cells/base_2027q4_deposit_flow:base/id | None | base_2027q4_deposit_flow |
| /operating_model/cells/base_2027q4_deposit_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_deposit_flow:base/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/base_2027q4_deposit_flow:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_deposit_flow:base/value | None | 200.0 |
| /operating_model/cells/base_2027q4_funding_cost:base/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/base_2027q4_funding_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_funding_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_funding_cost:base/formula/refs/0 | None | base_2027q4_cash_funding_expense |
| /operating_model/cells/base_2027q4_funding_cost:base/formula/refs/1 | None | base_2027q4_funding_fv |
| /operating_model/cells/base_2027q4_funding_cost:base/id | None | base_2027q4_funding_cost |
| /operating_model/cells/base_2027q4_funding_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_funding_cost:base/label | None | Interest and fair-value funding expense |
| /operating_model/cells/base_2027q4_funding_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_funding_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_funding_cost:base/value | None | 157.5 |
| /operating_model/cells/base_2027q4_funding_fv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_funding_fv:base/case | None | base |
| /operating_model/cells/base_2027q4_funding_fv:base/id | None | base_2027q4_funding_fv |
| /operating_model/cells/base_2027q4_funding_fv:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_funding_fv:base/label | None | Funding fair-value expense |
| /operating_model/cells/base_2027q4_funding_fv:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_funding_fv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_funding_fv:base/value | None | 70.0 |
| /operating_model/cells/base_2027q4_gmv:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_gmv:base/case | None | base |
| /operating_model/cells/base_2027q4_gmv:base/id | None | base_2027q4_gmv |
| /operating_model/cells/base_2027q4_gmv:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_gmv:base/label | None | Gross merchandise volume |
| /operating_model/cells/base_2027q4_gmv:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_gmv:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_gmv:base/value | None | 53000.0 |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/formula/refs/0 | None | base_2027q4_sbc |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/formula/refs/1 | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/formula/refs/2 | None | base_2027q4_restructuring |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/id | None | base_2027q4_ifrs_adjustments |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/label | None | SBC D&A and restructuring |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_ifrs_adjustments:base/value | None | 98.0 |
| /operating_model/cells/base_2027q4_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q4_interest_income:base/id | None | base_2027q4_interest_income |
| /operating_model/cells/base_2027q4_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_interest_income:base/label | None | Interest income on financing receivables |
| /operating_model/cells/base_2027q4_interest_income:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_interest_income:base/value | None | 320.0 |
| /operating_model/cells/base_2027q4_lease_principal:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_lease_principal:base/case | None | base |
| /operating_model/cells/base_2027q4_lease_principal:base/id | None | base_2027q4_lease_principal |
| /operating_model/cells/base_2027q4_lease_principal:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_lease_principal:base/label | None | Lease principal payments |
| /operating_model/cells/base_2027q4_lease_principal:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_lease_principal:base/value | None | 5.0 |
| /operating_model/cells/base_2027q4_loan_deployment:base/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/base_2027q4_loan_deployment:base/case | None | base |
| /operating_model/cells/base_2027q4_loan_deployment:base/id | None | base_2027q4_loan_deployment |
| /operating_model/cells/base_2027q4_loan_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_loan_deployment:base/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/base_2027q4_loan_deployment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_loan_deployment:base/value | None | 400.0 |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/case | None | base |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/id | None | base_2027q4_loan_sale_gain |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_loan_sale_gain:base/value | None | 135.0 |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/case | None | base |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/formula/refs/0 | None | base_2027q4_adj_operating |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/formula/refs/1 | None | base_2027q4_credit_expense |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/formula/refs/2 | None | base_2027q4_funding_fv |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/id | None | base_2027q4_noncash_credit_bridge |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_noncash_credit_bridge:base/value | None | 634.5 |
| /operating_model/cells/base_2027q4_operating_income:base/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/base_2027q4_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q4_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_operating_income:base/formula/refs/0 | None | base_2027q4_adj_operating |
| /operating_model/cells/base_2027q4_operating_income:base/formula/refs/1 | None | base_2027q4_ifrs_adjustments |
| /operating_model/cells/base_2027q4_operating_income:base/id | None | base_2027q4_operating_income |
| /operating_model/cells/base_2027q4_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q4_operating_income:base/label | None | IFRS operating profit proxy |
| /operating_model/cells/base_2027q4_operating_income:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_operating_income:base/value | None | 122.0 |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/case | None | base |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/id | None | base_2027q4_operating_notes_flow |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/label | None | Operating-classified borrowing cash |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_operating_notes_flow:base/value | None | 0.0 |
| /operating_model/cells/base_2027q4_other_settlement_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_other_settlement_use:base/case | None | base |
| /operating_model/cells/base_2027q4_other_settlement_use:base/id | None | base_2027q4_other_settlement_use |
| /operating_model/cells/base_2027q4_other_settlement_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_other_settlement_use:base/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/base_2027q4_other_settlement_use:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_other_settlement_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_other_settlement_use:base/value | None | 30.0 |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/formula/refs/0 | None | base_2027q4_service_revenue |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/formula/refs/1 | None | base_2027q4_interest_income |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/formula/refs/2 | None | base_2027q4_loan_sale_gain |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/id | None | base_2027q4_pre_presentation_revenue |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/label | None | Revenue before presentation adjustment |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_pre_presentation_revenue:base/value | None | 1533.0 |
| /operating_model/cells/base_2027q4_presentation_ratio:base/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/base_2027q4_presentation_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_presentation_ratio:base/id | None | base_2027q4_presentation_ratio |
| /operating_model/cells/base_2027q4_presentation_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_presentation_ratio:base/label | None | Presentation reduction / GMV |
| /operating_model/cells/base_2027q4_presentation_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_presentation_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_presentation_ratio:base/value | None | 0.001 |
| /operating_model/cells/base_2027q4_presentation_reduction:base/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/base_2027q4_presentation_reduction:base/case | None | base |
| /operating_model/cells/base_2027q4_presentation_reduction:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_presentation_reduction:base/formula/refs/0 | None | base_2027q4_gmv |
| /operating_model/cells/base_2027q4_presentation_reduction:base/formula/refs/1 | None | base_2027q4_presentation_ratio |
| /operating_model/cells/base_2027q4_presentation_reduction:base/id | None | base_2027q4_presentation_reduction |
| /operating_model/cells/base_2027q4_presentation_reduction:base/kind | None | derived |
| /operating_model/cells/base_2027q4_presentation_reduction:base/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/base_2027q4_presentation_reduction:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_presentation_reduction:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_presentation_reduction:base/value | None | 53.0 |
| /operating_model/cells/base_2027q4_processing_cost:base/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/base_2027q4_processing_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_processing_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_processing_cost:base/formula/refs/0 | None | base_2027q4_gmv |
| /operating_model/cells/base_2027q4_processing_cost:base/formula/refs/1 | None | base_2027q4_processing_ratio |
| /operating_model/cells/base_2027q4_processing_cost:base/id | None | base_2027q4_processing_cost |
| /operating_model/cells/base_2027q4_processing_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_processing_cost:base/label | None | Processing and servicing expense |
| /operating_model/cells/base_2027q4_processing_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_processing_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_processing_cost:base/value | None | 371.0 |
| /operating_model/cells/base_2027q4_processing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_processing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_processing_ratio:base/id | None | base_2027q4_processing_ratio |
| /operating_model/cells/base_2027q4_processing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_processing_ratio:base/label | None | Processing/servicing per GMV |
| /operating_model/cells/base_2027q4_processing_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_processing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_processing_ratio:base/value | None | 0.007 |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/formula/refs/0 | None | base_2027q4_processing_cost |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/formula/refs/1 | None | base_2027q4_credit_expense |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/formula/refs/2 | None | base_2027q4_funding_cost |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/id | None | base_2027q4_raw_transaction_cost |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/label | None | Processing credit and funding cost |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_raw_transaction_cost:base/value | None | 873.0 |
| /operating_model/cells/base_2027q4_recognition_timing:base/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/base_2027q4_recognition_timing:base/case | None | base |
| /operating_model/cells/base_2027q4_recognition_timing:base/id | None | base_2027q4_recognition_timing |
| /operating_model/cells/base_2027q4_recognition_timing:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_recognition_timing:base/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/base_2027q4_recognition_timing:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_recognition_timing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_recognition_timing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q4_restructuring:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_restructuring:base/case | None | base |
| /operating_model/cells/base_2027q4_restructuring:base/id | None | base_2027q4_restructuring |
| /operating_model/cells/base_2027q4_restructuring:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_restructuring:base/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/base_2027q4_restructuring:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_restructuring:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_restructuring:base/value | None | 4.0 |
| /operating_model/cells/base_2027q4_revenue:base/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/base_2027q4_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/0 | None | base_2027q4_pre_presentation_revenue |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/1 | None | base_2027q4_presentation_reduction |
| /operating_model/cells/base_2027q4_revenue:base/id | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_revenue:base/label | None | Reported IFRS revenue |
| /operating_model/cells/base_2027q4_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_revenue:base/value | None | 1480.0 |
| /operating_model/cells/base_2027q4_sbc:base/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/base_2027q4_sbc:base/case | None | base |
| /operating_model/cells/base_2027q4_sbc:base/id | None | base_2027q4_sbc |
| /operating_model/cells/base_2027q4_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_sbc:base/label | None | Share-based payments |
| /operating_model/cells/base_2027q4_sbc:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_sbc:base/value | None | 65.0 |
| /operating_model/cells/base_2027q4_senior_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_senior_deployment:base/case | None | base |
| /operating_model/cells/base_2027q4_senior_deployment:base/id | None | base_2027q4_senior_deployment |
| /operating_model/cells/base_2027q4_senior_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_senior_deployment:base/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/base_2027q4_senior_deployment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_senior_deployment:base/value | None | 225.0 |
| /operating_model/cells/base_2027q4_service_revenue:base/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/base_2027q4_service_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_service_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_service_revenue:base/formula/refs/0 | None | base_2027q4_gmv |
| /operating_model/cells/base_2027q4_service_revenue:base/formula/refs/1 | None | base_2027q4_service_yield |
| /operating_model/cells/base_2027q4_service_revenue:base/id | None | base_2027q4_service_revenue |
| /operating_model/cells/base_2027q4_service_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_service_revenue:base/label | None | Transaction and service revenue |
| /operating_model/cells/base_2027q4_service_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_service_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_service_revenue:base/value | None | 1078.0 |
| /operating_model/cells/base_2027q4_service_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_service_yield:base/case | None | base |
| /operating_model/cells/base_2027q4_service_yield:base/id | None | base_2027q4_service_yield |
| /operating_model/cells/base_2027q4_service_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_service_yield:base/label | None | Mixed transaction/service realization |
| /operating_model/cells/base_2027q4_service_yield:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_service_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_service_yield:base/value | None | 0.020339622641509434 |
| /operating_model/cells/base_2027q4_tmd:base/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/base_2027q4_tmd:base/case | None | base |
| /operating_model/cells/base_2027q4_tmd:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_tmd:base/formula/refs/0 | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_tmd:base/formula/refs/1 | None | base_2027q4_transaction_cost |
| /operating_model/cells/base_2027q4_tmd:base/id | None | base_2027q4_tmd |
| /operating_model/cells/base_2027q4_tmd:base/kind | None | derived |
| /operating_model/cells/base_2027q4_tmd:base/label | None | Transaction margin dollars |
| /operating_model/cells/base_2027q4_tmd:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_tmd:base/value | None | 660.0 |
| /operating_model/cells/base_2027q4_transaction_cost:base/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/base_2027q4_transaction_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_transaction_cost:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_transaction_cost:base/formula/refs/0 | None | base_2027q4_raw_transaction_cost |
| /operating_model/cells/base_2027q4_transaction_cost:base/formula/refs/1 | None | base_2027q4_accounting_reductions |
| /operating_model/cells/base_2027q4_transaction_cost:base/id | None | base_2027q4_transaction_cost |
| /operating_model/cells/base_2027q4_transaction_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_transaction_cost:base/label | None | Reported transaction costs |
| /operating_model/cells/base_2027q4_transaction_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_transaction_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_transaction_cost:base/value | None | 820.0 |
| /operating_model/cells/base_2027q4_treasury_deployment:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_2027q4_treasury_deployment:base/id | None | base_2027q4_treasury_deployment |
| /operating_model/cells/base_2027q4_treasury_deployment:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_treasury_deployment:base/label | None | Net treasury investment cash |
| /operating_model/cells/base_2027q4_treasury_deployment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_treasury_deployment:base/value | None | 100.0 |
| /operating_model/cells/base_fy2026_adj_operating:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_adj_operating:base/case | None | base |
| /operating_model/cells/base_fy2026_adj_operating:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_adj_operating:base/formula/refs/0 | None | h1_adj_operating |
| /operating_model/cells/base_fy2026_adj_operating:base/formula/refs/1 | None | base_2026q3_adj_operating |
| /operating_model/cells/base_fy2026_adj_operating:base/formula/refs/2 | None | base_2026q4_adj_operating |
| /operating_model/cells/base_fy2026_adj_operating:base/id | None | base_fy2026_adj_operating |
| /operating_model/cells/base_fy2026_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_fy2026_adj_operating:base/label | None | Adjusted operating income ($M) |
| /operating_model/cells/base_fy2026_adj_operating:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_adj_operating:base/value | None | 290.0000000000001 |
| /operating_model/cells/base_fy2026_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_capex:base/case | None | base |
| /operating_model/cells/base_fy2026_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/0 | None | h1_capex |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/1 | None | base_2026q3_capex |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/2 | None | base_2026q4_capex |
| /operating_model/cells/base_fy2026_capex:base/id | None | base_fy2026_capex |
| /operating_model/cells/base_fy2026_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2026_capex:base/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/base_fy2026_capex:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_capex:base/value | None | 37.0 |
| /operating_model/cells/base_fy2026_cash_after_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_fy2026_cash_after_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cash_after_capex:base/formula/refs/0 | None | h1_cash_after_capex |
| /operating_model/cells/base_fy2026_cash_after_capex:base/formula/refs/1 | None | base_2026q3_cash_after_capex |
| /operating_model/cells/base_fy2026_cash_after_capex:base/formula/refs/2 | None | base_2026q4_cash_after_capex |
| /operating_model/cells/base_fy2026_cash_after_capex:base/id | None | base_fy2026_cash_after_capex |
| /operating_model/cells/base_fy2026_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cash_after_capex:base/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/base_fy2026_cash_after_capex:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cash_after_capex:base/value | None | -1631.2034999999998 |
| /operating_model/cells/base_fy2026_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cfo:base/case | None | base |
| /operating_model/cells/base_fy2026_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/1 | None | base_2026q3_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/2 | None | base_2026q4_cfo |
| /operating_model/cells/base_fy2026_cfo:base/id | None | base_fy2026_cfo |
| /operating_model/cells/base_fy2026_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cfo:base/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/base_fy2026_cfo:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cfo:base/value | None | -1575.2034999999998 |
| /operating_model/cells/base_fy2026_deposit_flow:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_deposit_flow:base/case | None | base |
| /operating_model/cells/base_fy2026_deposit_flow:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_deposit_flow:base/formula/refs/0 | None | h1_deposit_flow |
| /operating_model/cells/base_fy2026_deposit_flow:base/formula/refs/1 | None | base_2026q3_deposit_flow |
| /operating_model/cells/base_fy2026_deposit_flow:base/formula/refs/2 | None | base_2026q4_deposit_flow |
| /operating_model/cells/base_fy2026_deposit_flow:base/id | None | base_fy2026_deposit_flow |
| /operating_model/cells/base_fy2026_deposit_flow:base/kind | None | derived |
| /operating_model/cells/base_fy2026_deposit_flow:base/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/base_fy2026_deposit_flow:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_deposit_flow:base/value | None | -554.0 |
| /operating_model/cells/base_fy2026_lease_principal:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_lease_principal:base/case | None | base |
| /operating_model/cells/base_fy2026_lease_principal:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_lease_principal:base/formula/refs/0 | None | h1_lease_principal |
| /operating_model/cells/base_fy2026_lease_principal:base/formula/refs/1 | None | base_2026q3_lease_principal |
| /operating_model/cells/base_fy2026_lease_principal:base/formula/refs/2 | None | base_2026q4_lease_principal |
| /operating_model/cells/base_fy2026_lease_principal:base/id | None | base_fy2026_lease_principal |
| /operating_model/cells/base_fy2026_lease_principal:base/kind | None | derived |
| /operating_model/cells/base_fy2026_lease_principal:base/label | None | Lease principal cash ($M) |
| /operating_model/cells/base_fy2026_lease_principal:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_lease_principal:base/value | None | 19.0 |
| /operating_model/cells/base_fy2026_loan_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_loan_deployment:base/case | None | base |
| /operating_model/cells/base_fy2026_loan_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_loan_deployment:base/formula/refs/0 | None | h1_loan_deployment |
| /operating_model/cells/base_fy2026_loan_deployment:base/formula/refs/1 | None | base_2026q3_loan_deployment |
| /operating_model/cells/base_fy2026_loan_deployment:base/formula/refs/2 | None | base_2026q4_loan_deployment |
| /operating_model/cells/base_fy2026_loan_deployment:base/id | None | base_fy2026_loan_deployment |
| /operating_model/cells/base_fy2026_loan_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2026_loan_deployment:base/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/base_fy2026_loan_deployment:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_loan_deployment:base/value | None | 474.0 |
| /operating_model/cells/base_fy2026_operating_income:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_operating_income:base/case | None | base |
| /operating_model/cells/base_fy2026_operating_income:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/1 | None | base_2026q3_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/2 | None | base_2026q4_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/id | None | base_fy2026_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/kind | None | derived |
| /operating_model/cells/base_fy2026_operating_income:base/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/base_fy2026_operating_income:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_operating_income:base/value | None | -25.999999999999886 |
| /operating_model/cells/base_fy2026_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_revenue:base/case | None | base |
| /operating_model/cells/base_fy2026_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/1 | None | base_2026q3_revenue |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/2 | None | base_2026q4_revenue |
| /operating_model/cells/base_fy2026_revenue:base/id | None | base_fy2026_revenue |
| /operating_model/cells/base_fy2026_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2026_revenue:base/label | None | IFRS total revenue ($M) |
| /operating_model/cells/base_fy2026_revenue:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_revenue:base/value | None | 4120.0 |
| /operating_model/cells/base_fy2026_senior_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_senior_deployment:base/case | None | base |
| /operating_model/cells/base_fy2026_senior_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_senior_deployment:base/formula/refs/0 | None | h1_senior_deployment |
| /operating_model/cells/base_fy2026_senior_deployment:base/formula/refs/1 | None | base_2026q3_senior_deployment |
| /operating_model/cells/base_fy2026_senior_deployment:base/formula/refs/2 | None | base_2026q4_senior_deployment |
| /operating_model/cells/base_fy2026_senior_deployment:base/id | None | base_fy2026_senior_deployment |
| /operating_model/cells/base_fy2026_senior_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2026_senior_deployment:base/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/base_fy2026_senior_deployment:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_senior_deployment:base/value | None | 835.0 |
| /operating_model/cells/base_fy2026_tmd:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_tmd:base/case | None | base |
| /operating_model/cells/base_fy2026_tmd:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_tmd:base/formula/refs/0 | None | h1_tmd |
| /operating_model/cells/base_fy2026_tmd:base/formula/refs/1 | None | base_2026q3_tmd |
| /operating_model/cells/base_fy2026_tmd:base/formula/refs/2 | None | base_2026q4_tmd |
| /operating_model/cells/base_fy2026_tmd:base/id | None | base_fy2026_tmd |
| /operating_model/cells/base_fy2026_tmd:base/kind | None | derived |
| /operating_model/cells/base_fy2026_tmd:base/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/base_fy2026_tmd:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_tmd:base/value | None | 1609.4 |
| /operating_model/cells/base_fy2026_treasury_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_fy2026_treasury_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_treasury_deployment:base/formula/refs/0 | None | h1_treasury_deployment |
| /operating_model/cells/base_fy2026_treasury_deployment:base/formula/refs/1 | None | base_2026q3_treasury_deployment |
| /operating_model/cells/base_fy2026_treasury_deployment:base/formula/refs/2 | None | base_2026q4_treasury_deployment |
| /operating_model/cells/base_fy2026_treasury_deployment:base/id | None | base_fy2026_treasury_deployment |
| /operating_model/cells/base_fy2026_treasury_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2026_treasury_deployment:base/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/base_fy2026_treasury_deployment:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_treasury_deployment:base/value | None | 1242.0 |
| /operating_model/cells/base_fy2027_adj_operating:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_adj_operating:base/case | None | base |
| /operating_model/cells/base_fy2027_adj_operating:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_adj_operating:base/formula/refs/0 | None | base_2027q1_adj_operating |
| /operating_model/cells/base_fy2027_adj_operating:base/formula/refs/1 | None | base_2027q2_adj_operating |
| /operating_model/cells/base_fy2027_adj_operating:base/formula/refs/2 | None | base_2027q3_adj_operating |
| /operating_model/cells/base_fy2027_adj_operating:base/formula/refs/3 | None | base_2027q4_adj_operating |
| /operating_model/cells/base_fy2027_adj_operating:base/id | None | base_fy2027_adj_operating |
| /operating_model/cells/base_fy2027_adj_operating:base/kind | None | derived |
| /operating_model/cells/base_fy2027_adj_operating:base/label | None | Adjusted operating income ($M) |
| /operating_model/cells/base_fy2027_adj_operating:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_adj_operating:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_adj_operating:base/value | None | 495.0 |
| /operating_model/cells/base_fy2027_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_capex:base/case | None | base |
| /operating_model/cells/base_fy2027_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/0 | None | base_2027q1_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/1 | None | base_2027q2_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/2 | None | base_2027q3_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/3 | None | base_2027q4_capex |
| /operating_model/cells/base_fy2027_capex:base/id | None | base_fy2027_capex |
| /operating_model/cells/base_fy2027_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2027_capex:base/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/base_fy2027_capex:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_capex:base/value | None | 54.0 |
| /operating_model/cells/base_fy2027_cash_after_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cash_after_capex:base/case | None | base |
| /operating_model/cells/base_fy2027_cash_after_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cash_after_capex:base/formula/refs/0 | None | base_2027q1_cash_after_capex |
| /operating_model/cells/base_fy2027_cash_after_capex:base/formula/refs/1 | None | base_2027q2_cash_after_capex |
| /operating_model/cells/base_fy2027_cash_after_capex:base/formula/refs/2 | None | base_2027q3_cash_after_capex |
| /operating_model/cells/base_fy2027_cash_after_capex:base/formula/refs/3 | None | base_2027q4_cash_after_capex |
| /operating_model/cells/base_fy2027_cash_after_capex:base/id | None | base_fy2027_cash_after_capex |
| /operating_model/cells/base_fy2027_cash_after_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cash_after_capex:base/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/base_fy2027_cash_after_capex:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cash_after_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cash_after_capex:base/value | None | -648.75 |
| /operating_model/cells/base_fy2027_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cfo:base/case | None | base |
| /operating_model/cells/base_fy2027_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/1 | None | base_2027q2_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/2 | None | base_2027q3_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/3 | None | base_2027q4_cfo |
| /operating_model/cells/base_fy2027_cfo:base/id | None | base_fy2027_cfo |
| /operating_model/cells/base_fy2027_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cfo:base/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/base_fy2027_cfo:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cfo:base/value | None | -574.75 |
| /operating_model/cells/base_fy2027_deposit_flow:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_deposit_flow:base/case | None | base |
| /operating_model/cells/base_fy2027_deposit_flow:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_deposit_flow:base/formula/refs/0 | None | base_2027q1_deposit_flow |
| /operating_model/cells/base_fy2027_deposit_flow:base/formula/refs/1 | None | base_2027q2_deposit_flow |
| /operating_model/cells/base_fy2027_deposit_flow:base/formula/refs/2 | None | base_2027q3_deposit_flow |
| /operating_model/cells/base_fy2027_deposit_flow:base/formula/refs/3 | None | base_2027q4_deposit_flow |
| /operating_model/cells/base_fy2027_deposit_flow:base/id | None | base_fy2027_deposit_flow |
| /operating_model/cells/base_fy2027_deposit_flow:base/kind | None | derived |
| /operating_model/cells/base_fy2027_deposit_flow:base/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/base_fy2027_deposit_flow:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_deposit_flow:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_deposit_flow:base/value | None | 600.0 |
| /operating_model/cells/base_fy2027_lease_principal:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_lease_principal:base/case | None | base |
| /operating_model/cells/base_fy2027_lease_principal:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_lease_principal:base/formula/refs/0 | None | base_2027q1_lease_principal |
| /operating_model/cells/base_fy2027_lease_principal:base/formula/refs/1 | None | base_2027q2_lease_principal |
| /operating_model/cells/base_fy2027_lease_principal:base/formula/refs/2 | None | base_2027q3_lease_principal |
| /operating_model/cells/base_fy2027_lease_principal:base/formula/refs/3 | None | base_2027q4_lease_principal |
| /operating_model/cells/base_fy2027_lease_principal:base/id | None | base_fy2027_lease_principal |
| /operating_model/cells/base_fy2027_lease_principal:base/kind | None | derived |
| /operating_model/cells/base_fy2027_lease_principal:base/label | None | Lease principal cash ($M) |
| /operating_model/cells/base_fy2027_lease_principal:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_lease_principal:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_lease_principal:base/value | None | 20.0 |
| /operating_model/cells/base_fy2027_loan_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_loan_deployment:base/case | None | base |
| /operating_model/cells/base_fy2027_loan_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_loan_deployment:base/formula/refs/0 | None | base_2027q1_loan_deployment |
| /operating_model/cells/base_fy2027_loan_deployment:base/formula/refs/1 | None | base_2027q2_loan_deployment |
| /operating_model/cells/base_fy2027_loan_deployment:base/formula/refs/2 | None | base_2027q3_loan_deployment |
| /operating_model/cells/base_fy2027_loan_deployment:base/formula/refs/3 | None | base_2027q4_loan_deployment |
| /operating_model/cells/base_fy2027_loan_deployment:base/id | None | base_fy2027_loan_deployment |
| /operating_model/cells/base_fy2027_loan_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2027_loan_deployment:base/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/base_fy2027_loan_deployment:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_loan_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_loan_deployment:base/value | None | 1250.0 |
| /operating_model/cells/base_fy2027_operating_income:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_operating_income:base/case | None | base |
| /operating_model/cells/base_fy2027_operating_income:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/0 | None | base_2027q1_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/1 | None | base_2027q2_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/2 | None | base_2027q3_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/3 | None | base_2027q4_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/id | None | base_fy2027_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/kind | None | derived |
| /operating_model/cells/base_fy2027_operating_income:base/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/base_fy2027_operating_income:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_operating_income:base/value | None | 133.0 |
| /operating_model/cells/base_fy2027_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_revenue:base/case | None | base |
| /operating_model/cells/base_fy2027_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/1 | None | base_2027q2_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/2 | None | base_2027q3_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/3 | None | base_2027q4_revenue |
| /operating_model/cells/base_fy2027_revenue:base/id | None | base_fy2027_revenue |
| /operating_model/cells/base_fy2027_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2027_revenue:base/label | None | IFRS total revenue ($M) |
| /operating_model/cells/base_fy2027_revenue:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_revenue:base/value | None | 4980.0 |
| /operating_model/cells/base_fy2027_senior_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_senior_deployment:base/case | None | base |
| /operating_model/cells/base_fy2027_senior_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_senior_deployment:base/formula/refs/0 | None | base_2027q1_senior_deployment |
| /operating_model/cells/base_fy2027_senior_deployment:base/formula/refs/1 | None | base_2027q2_senior_deployment |
| /operating_model/cells/base_fy2027_senior_deployment:base/formula/refs/2 | None | base_2027q3_senior_deployment |
| /operating_model/cells/base_fy2027_senior_deployment:base/formula/refs/3 | None | base_2027q4_senior_deployment |
| /operating_model/cells/base_fy2027_senior_deployment:base/id | None | base_fy2027_senior_deployment |
| /operating_model/cells/base_fy2027_senior_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2027_senior_deployment:base/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/base_fy2027_senior_deployment:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_senior_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_senior_deployment:base/value | None | 750.0 |
| /operating_model/cells/base_fy2027_tmd:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_tmd:base/case | None | base |
| /operating_model/cells/base_fy2027_tmd:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_tmd:base/formula/refs/0 | None | base_2027q1_tmd |
| /operating_model/cells/base_fy2027_tmd:base/formula/refs/1 | None | base_2027q2_tmd |
| /operating_model/cells/base_fy2027_tmd:base/formula/refs/2 | None | base_2027q3_tmd |
| /operating_model/cells/base_fy2027_tmd:base/formula/refs/3 | None | base_2027q4_tmd |
| /operating_model/cells/base_fy2027_tmd:base/id | None | base_fy2027_tmd |
| /operating_model/cells/base_fy2027_tmd:base/kind | None | derived |
| /operating_model/cells/base_fy2027_tmd:base/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/base_fy2027_tmd:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_tmd:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_tmd:base/value | None | 2090.0 |
| /operating_model/cells/base_fy2027_treasury_deployment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_treasury_deployment:base/case | None | base |
| /operating_model/cells/base_fy2027_treasury_deployment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_treasury_deployment:base/formula/refs/0 | None | base_2027q1_treasury_deployment |
| /operating_model/cells/base_fy2027_treasury_deployment:base/formula/refs/1 | None | base_2027q2_treasury_deployment |
| /operating_model/cells/base_fy2027_treasury_deployment:base/formula/refs/2 | None | base_2027q3_treasury_deployment |
| /operating_model/cells/base_fy2027_treasury_deployment:base/formula/refs/3 | None | base_2027q4_treasury_deployment |
| /operating_model/cells/base_fy2027_treasury_deployment:base/id | None | base_fy2027_treasury_deployment |
| /operating_model/cells/base_fy2027_treasury_deployment:base/kind | None | derived |
| /operating_model/cells/base_fy2027_treasury_deployment:base/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/base_fy2027_treasury_deployment:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_treasury_deployment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_treasury_deployment:base/value | None | 400.0 |
| /operating_model/cells/cash:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/cash:shared/case | None | shared |
| /operating_model/cells/cash:shared/id | None | cash |
| /operating_model/cells/cash:shared/kind | None | reported |
| /operating_model/cells/cash:shared/label | None | cash |
| /operating_model/cells/cash:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/cash:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/cash:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/cash:shared/unit | None | USD_millions |
| /operating_model/cells/cash:shared/value | None | 2672.0 |
| /operating_model/cells/consumer_deposits:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/consumer_deposits:shared/case | None | shared |
| /operating_model/cells/consumer_deposits:shared/id | None | consumer_deposits |
| /operating_model/cells/consumer_deposits:shared/kind | None | reported |
| /operating_model/cells/consumer_deposits:shared/label | None | consumer deposits |
| /operating_model/cells/consumer_deposits:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/consumer_deposits:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/consumer_deposits:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/consumer_deposits:shared/unit | None | USD_millions |
| /operating_model/cells/consumer_deposits:shared/value | None | 11673.0 |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/formula/refs/0 | None | downside_2026q3_presentation_reduction |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/formula/refs/1 | None | downside_2026q3_recognition_timing |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/id | None | downside_2026q3_accounting_reductions |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_accounting_reductions:downside/value | None | 43.0 |
| /operating_model/cells/downside_2026q3_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2026q3_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_adj_operating:downside/formula/refs/0 | None | downside_2026q3_tmd |
| /operating_model/cells/downside_2026q3_adj_operating:downside/formula/refs/1 | None | downside_2026q3_adjusted_opex |
| /operating_model/cells/downside_2026q3_adj_operating:downside/id | None | downside_2026q3_adj_operating |
| /operating_model/cells/downside_2026q3_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2026q3_adj_operating:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_adj_operating:downside/value | None | -80.0 |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/id | None | downside_2026q3_adjusted_opex |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_adjusted_opex:downside/value | None | 350.0 |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/formula/refs/0 | None | downside_2026q3_loan_deployment |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/formula/refs/1 | None | downside_2026q3_senior_deployment |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/formula/refs/2 | None | downside_2026q3_treasury_deployment |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/id | None | downside_2026q3_bank_asset_deployment |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_bank_asset_deployment:downside/value | None | 350.0 |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/formula/refs/0 | None | downside_2026q3_cash_before_bank_balances |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/formula/refs/1 | None | downside_2026q3_deposit_flow |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/formula/refs/2 | None | downside_2026q3_operating_notes_flow |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/id | None | downside_2026q3_bank_funding_inflow |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_bank_funding_inflow:downside/value | None | -302.0 |
| /operating_model/cells/downside_2026q3_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_capex:downside/id | None | downside_2026q3_capex |
| /operating_model/cells/downside_2026q3_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2026q3_capex:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_capex:downside/value | None | 10.0 |
| /operating_model/cells/downside_2026q3_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2026q3_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_capital_cash:downside/formula/refs/0 | None | downside_2026q3_capex |
| /operating_model/cells/downside_2026q3_capital_cash:downside/formula/refs/1 | None | downside_2026q3_lease_principal |
| /operating_model/cells/downside_2026q3_capital_cash:downside/id | None | downside_2026q3_capital_cash |
| /operating_model/cells/downside_2026q3_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2026q3_capital_cash:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_capital_cash:downside/value | None | 15.0 |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/formula/refs/0 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/formula/refs/1 | None | downside_2026q3_capital_cash |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/id | None | downside_2026q3_cash_after_capex |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_after_capex:downside/value | None | -667.0 |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2026q3_noncash_credit_bridge |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2026q3_cash_earnings_adjustment |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/id | None | downside_2026q3_cash_before_bank_balances |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_before_bank_balances:downside/value | None | 98.0 |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2026q3_loan_sale_gain |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2026q3_recognition_timing |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2026q3_restructuring |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2026q3_cash_tax |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2026q3_other_settlement_use |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/id | None | downside_2026q3_cash_earnings_adjustment |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_earnings_adjustment:downside/value | None | 131.0 |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/id | None | downside_2026q3_cash_funding_expense |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_funding_expense:downside/value | None | 119.80000000000001 |
| /operating_model/cells/downside_2026q3_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_tax:downside/id | None | downside_2026q3_cash_tax |
| /operating_model/cells/downside_2026q3_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2026q3_cash_tax:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_tax:downside/value | None | 12.0 |
| /operating_model/cells/downside_2026q3_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2026q3_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/refs/0 | None | downside_2026q3_bank_funding_inflow |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/refs/1 | None | downside_2026q3_bank_asset_deployment |
| /operating_model/cells/downside_2026q3_cfo:downside/id | None | downside_2026q3_cfo |
| /operating_model/cells/downside_2026q3_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2026q3_cfo:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cfo:downside/value | None | -652.0 |
| /operating_model/cells/downside_2026q3_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2026q3_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_credit_expense:downside/formula/refs/0 | None | downside_2026q3_gmv |
| /operating_model/cells/downside_2026q3_credit_expense:downside/formula/refs/1 | None | downside_2026q3_credit_ratio |
| /operating_model/cells/downside_2026q3_credit_expense:downside/id | None | downside_2026q3_credit_expense |
| /operating_model/cells/downside_2026q3_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2026q3_credit_expense:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_credit_expense:downside/value | None | 264.0 |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/id | None | downside_2026q3_credit_ratio |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2026q3_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_da:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_da:downside/id | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2026q3_da:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_da:downside/value | None | 24.0 |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/id | None | downside_2026q3_deposit_flow |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_deposit_flow:downside/value | None | -400.0 |
| /operating_model/cells/downside_2026q3_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2026q3_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_funding_cost:downside/formula/refs/0 | None | downside_2026q3_cash_funding_expense |
| /operating_model/cells/downside_2026q3_funding_cost:downside/formula/refs/1 | None | downside_2026q3_funding_fv |
| /operating_model/cells/downside_2026q3_funding_cost:downside/id | None | downside_2026q3_funding_cost |
| /operating_model/cells/downside_2026q3_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2026q3_funding_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_funding_cost:downside/value | None | 164.8 |
| /operating_model/cells/downside_2026q3_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_funding_fv:downside/id | None | downside_2026q3_funding_fv |
| /operating_model/cells/downside_2026q3_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2026q3_funding_fv:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_funding_fv:downside/value | None | 45.0 |
| /operating_model/cells/downside_2026q3_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_gmv:downside/id | None | downside_2026q3_gmv |
| /operating_model/cells/downside_2026q3_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2026q3_gmv:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_gmv:downside/value | None | 33000.0 |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/formula/refs/0 | None | downside_2026q3_sbc |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/formula/refs/1 | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/formula/refs/2 | None | downside_2026q3_restructuring |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/id | None | downside_2026q3_ifrs_adjustments |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_ifrs_adjustments:downside/value | None | 123.0 |
| /operating_model/cells/downside_2026q3_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_interest_income:downside/id | None | downside_2026q3_interest_income |
| /operating_model/cells/downside_2026q3_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2026q3_interest_income:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_interest_income:downside/value | None | 245.0 |
| /operating_model/cells/downside_2026q3_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_lease_principal:downside/id | None | downside_2026q3_lease_principal |
| /operating_model/cells/downside_2026q3_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2026q3_lease_principal:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/id | None | downside_2026q3_loan_deployment |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_loan_deployment:downside/value | None | 200.0 |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/id | None | downside_2026q3_loan_sale_gain |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_loan_sale_gain:downside/value | None | 85.0 |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2026q3_adj_operating |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2026q3_credit_expense |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2026q3_funding_fv |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/id | None | downside_2026q3_noncash_credit_bridge |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_noncash_credit_bridge:downside/value | None | 229.0 |
| /operating_model/cells/downside_2026q3_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2026q3_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/refs/0 | None | downside_2026q3_adj_operating |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/refs/1 | None | downside_2026q3_ifrs_adjustments |
| /operating_model/cells/downside_2026q3_operating_income:downside/id | None | downside_2026q3_operating_income |
| /operating_model/cells/downside_2026q3_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2026q3_operating_income:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_operating_income:downside/value | None | -203.0 |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/id | None | downside_2026q3_operating_notes_flow |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/id | None | downside_2026q3_other_settlement_use |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_other_settlement_use:downside/value | None | 20.0 |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2026q3_service_revenue |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2026q3_interest_income |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2026q3_loan_sale_gain |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/id | None | downside_2026q3_pre_presentation_revenue |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_pre_presentation_revenue:downside/value | None | 933.0 |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/id | None | downside_2026q3_presentation_ratio |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/formula/refs/0 | None | downside_2026q3_gmv |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/formula/refs/1 | None | downside_2026q3_presentation_ratio |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/id | None | downside_2026q3_presentation_reduction |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_presentation_reduction:downside/value | None | 33.0 |
| /operating_model/cells/downside_2026q3_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2026q3_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_processing_cost:downside/formula/refs/0 | None | downside_2026q3_gmv |
| /operating_model/cells/downside_2026q3_processing_cost:downside/formula/refs/1 | None | downside_2026q3_processing_ratio |
| /operating_model/cells/downside_2026q3_processing_cost:downside/id | None | downside_2026q3_processing_cost |
| /operating_model/cells/downside_2026q3_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2026q3_processing_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_processing_cost:downside/value | None | 244.20000000000002 |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/id | None | downside_2026q3_processing_ratio |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/formula/refs/0 | None | downside_2026q3_processing_cost |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/formula/refs/1 | None | downside_2026q3_credit_expense |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/formula/refs/2 | None | downside_2026q3_funding_cost |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/id | None | downside_2026q3_raw_transaction_cost |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_raw_transaction_cost:downside/value | None | 673.0 |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/id | None | downside_2026q3_recognition_timing |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_recognition_timing:downside/value | None | 10.0 |
| /operating_model/cells/downside_2026q3_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_restructuring:downside/id | None | downside_2026q3_restructuring |
| /operating_model/cells/downside_2026q3_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2026q3_restructuring:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2026q3_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2026q3_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/0 | None | downside_2026q3_pre_presentation_revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/1 | None | downside_2026q3_presentation_reduction |
| /operating_model/cells/downside_2026q3_revenue:downside/id | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_revenue:downside/value | None | 900.0 |
| /operating_model/cells/downside_2026q3_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2026q3_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_sbc:downside/id | None | downside_2026q3_sbc |
| /operating_model/cells/downside_2026q3_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2026q3_sbc:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_sbc:downside/value | None | 95.0 |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/id | None | downside_2026q3_senior_deployment |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_senior_deployment:downside/value | None | 150.0 |
| /operating_model/cells/downside_2026q3_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2026q3_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_service_revenue:downside/formula/refs/0 | None | downside_2026q3_gmv |
| /operating_model/cells/downside_2026q3_service_revenue:downside/formula/refs/1 | None | downside_2026q3_service_yield |
| /operating_model/cells/downside_2026q3_service_revenue:downside/id | None | downside_2026q3_service_revenue |
| /operating_model/cells/downside_2026q3_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2026q3_service_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_service_revenue:downside/value | None | 603.0 |
| /operating_model/cells/downside_2026q3_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_service_yield:downside/id | None | downside_2026q3_service_yield |
| /operating_model/cells/downside_2026q3_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2026q3_service_yield:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_service_yield:downside/value | None | 0.018272727272727274 |
| /operating_model/cells/downside_2026q3_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2026q3_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_tmd:downside/formula/refs/0 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_tmd:downside/formula/refs/1 | None | downside_2026q3_transaction_cost |
| /operating_model/cells/downside_2026q3_tmd:downside/id | None | downside_2026q3_tmd |
| /operating_model/cells/downside_2026q3_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2026q3_tmd:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_tmd:downside/value | None | 270.0 |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/formula/refs/0 | None | downside_2026q3_raw_transaction_cost |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/formula/refs/1 | None | downside_2026q3_accounting_reductions |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/id | None | downside_2026q3_transaction_cost |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_transaction_cost:downside/value | None | 630.0 |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/id | None | downside_2026q3_treasury_deployment |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_treasury_deployment:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/formula/refs/0 | None | downside_2026q4_presentation_reduction |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/formula/refs/1 | None | downside_2026q4_recognition_timing |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/id | None | downside_2026q4_accounting_reductions |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_accounting_reductions:downside/value | None | 60.0 |
| /operating_model/cells/downside_2026q4_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2026q4_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_adj_operating:downside/formula/refs/0 | None | downside_2026q4_tmd |
| /operating_model/cells/downside_2026q4_adj_operating:downside/formula/refs/1 | None | downside_2026q4_adjusted_opex |
| /operating_model/cells/downside_2026q4_adj_operating:downside/id | None | downside_2026q4_adj_operating |
| /operating_model/cells/downside_2026q4_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2026q4_adj_operating:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_adj_operating:downside/value | None | 30.0 |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/id | None | downside_2026q4_adjusted_opex |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_adjusted_opex:downside/value | None | 330.0 |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/formula/refs/0 | None | downside_2026q4_loan_deployment |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/formula/refs/1 | None | downside_2026q4_senior_deployment |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/formula/refs/2 | None | downside_2026q4_treasury_deployment |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/id | None | downside_2026q4_bank_asset_deployment |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_bank_asset_deployment:downside/value | None | 480.0 |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/formula/refs/0 | None | downside_2026q4_cash_before_bank_balances |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/formula/refs/1 | None | downside_2026q4_deposit_flow |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/formula/refs/2 | None | downside_2026q4_operating_notes_flow |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/id | None | downside_2026q4_bank_funding_inflow |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_bank_funding_inflow:downside/value | None | 45.0 |
| /operating_model/cells/downside_2026q4_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_capex:downside/id | None | downside_2026q4_capex |
| /operating_model/cells/downside_2026q4_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2026q4_capex:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_capex:downside/value | None | 11.0 |
| /operating_model/cells/downside_2026q4_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2026q4_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_capital_cash:downside/formula/refs/0 | None | downside_2026q4_capex |
| /operating_model/cells/downside_2026q4_capital_cash:downside/formula/refs/1 | None | downside_2026q4_lease_principal |
| /operating_model/cells/downside_2026q4_capital_cash:downside/id | None | downside_2026q4_capital_cash |
| /operating_model/cells/downside_2026q4_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2026q4_capital_cash:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_capital_cash:downside/value | None | 16.0 |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/formula/refs/0 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/formula/refs/1 | None | downside_2026q4_capital_cash |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/id | None | downside_2026q4_cash_after_capex |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_after_capex:downside/value | None | -451.0 |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2026q4_noncash_credit_bridge |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2026q4_cash_earnings_adjustment |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/id | None | downside_2026q4_cash_before_bank_balances |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_before_bank_balances:downside/value | None | 245.0 |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2026q4_loan_sale_gain |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2026q4_recognition_timing |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2026q4_restructuring |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2026q4_cash_tax |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2026q4_other_settlement_use |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/id | None | downside_2026q4_cash_earnings_adjustment |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_earnings_adjustment:downside/value | None | 155.0 |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/id | None | downside_2026q4_cash_funding_expense |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_funding_expense:downside/value | None | 54.0 |
| /operating_model/cells/downside_2026q4_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_tax:downside/id | None | downside_2026q4_cash_tax |
| /operating_model/cells/downside_2026q4_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2026q4_cash_tax:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_tax:downside/value | None | 14.0 |
| /operating_model/cells/downside_2026q4_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2026q4_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/refs/0 | None | downside_2026q4_bank_funding_inflow |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/refs/1 | None | downside_2026q4_bank_asset_deployment |
| /operating_model/cells/downside_2026q4_cfo:downside/id | None | downside_2026q4_cfo |
| /operating_model/cells/downside_2026q4_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2026q4_cfo:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cfo:downside/value | None | -435.0 |
| /operating_model/cells/downside_2026q4_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2026q4_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_credit_expense:downside/formula/refs/0 | None | downside_2026q4_gmv |
| /operating_model/cells/downside_2026q4_credit_expense:downside/formula/refs/1 | None | downside_2026q4_credit_ratio |
| /operating_model/cells/downside_2026q4_credit_expense:downside/id | None | downside_2026q4_credit_expense |
| /operating_model/cells/downside_2026q4_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2026q4_credit_expense:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_credit_expense:downside/value | None | 320.0 |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/id | None | downside_2026q4_credit_ratio |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2026q4_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_da:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_da:downside/id | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2026q4_da:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_da:downside/value | None | 25.0 |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/id | None | downside_2026q4_deposit_flow |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_deposit_flow:downside/value | None | -200.0 |
| /operating_model/cells/downside_2026q4_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2026q4_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_funding_cost:downside/formula/refs/0 | None | downside_2026q4_cash_funding_expense |
| /operating_model/cells/downside_2026q4_funding_cost:downside/formula/refs/1 | None | downside_2026q4_funding_fv |
| /operating_model/cells/downside_2026q4_funding_cost:downside/id | None | downside_2026q4_funding_cost |
| /operating_model/cells/downside_2026q4_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2026q4_funding_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_funding_cost:downside/value | None | 104.0 |
| /operating_model/cells/downside_2026q4_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_funding_fv:downside/id | None | downside_2026q4_funding_fv |
| /operating_model/cells/downside_2026q4_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2026q4_funding_fv:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_funding_fv:downside/value | None | 50.0 |
| /operating_model/cells/downside_2026q4_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_gmv:downside/id | None | downside_2026q4_gmv |
| /operating_model/cells/downside_2026q4_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2026q4_gmv:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_gmv:downside/value | None | 40000.0 |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/formula/refs/0 | None | downside_2026q4_sbc |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/formula/refs/1 | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/formula/refs/2 | None | downside_2026q4_restructuring |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/id | None | downside_2026q4_ifrs_adjustments |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_ifrs_adjustments:downside/value | None | 78.0 |
| /operating_model/cells/downside_2026q4_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_interest_income:downside/id | None | downside_2026q4_interest_income |
| /operating_model/cells/downside_2026q4_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2026q4_interest_income:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_interest_income:downside/value | None | 260.0 |
| /operating_model/cells/downside_2026q4_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_lease_principal:downside/id | None | downside_2026q4_lease_principal |
| /operating_model/cells/downside_2026q4_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2026q4_lease_principal:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/id | None | downside_2026q4_loan_deployment |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_loan_deployment:downside/value | None | 300.0 |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/id | None | downside_2026q4_loan_sale_gain |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_loan_sale_gain:downside/value | None | 95.0 |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2026q4_adj_operating |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2026q4_credit_expense |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2026q4_funding_fv |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/id | None | downside_2026q4_noncash_credit_bridge |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_noncash_credit_bridge:downside/value | None | 400.0 |
| /operating_model/cells/downside_2026q4_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2026q4_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/refs/0 | None | downside_2026q4_adj_operating |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/refs/1 | None | downside_2026q4_ifrs_adjustments |
| /operating_model/cells/downside_2026q4_operating_income:downside/id | None | downside_2026q4_operating_income |
| /operating_model/cells/downside_2026q4_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2026q4_operating_income:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_operating_income:downside/value | None | -48.0 |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/id | None | downside_2026q4_operating_notes_flow |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/id | None | downside_2026q4_other_settlement_use |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_other_settlement_use:downside/value | None | 22.0 |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2026q4_service_revenue |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2026q4_interest_income |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2026q4_loan_sale_gain |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/id | None | downside_2026q4_pre_presentation_revenue |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_pre_presentation_revenue:downside/value | None | 1060.0 |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/id | None | downside_2026q4_presentation_ratio |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/formula/refs/0 | None | downside_2026q4_gmv |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/formula/refs/1 | None | downside_2026q4_presentation_ratio |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/id | None | downside_2026q4_presentation_reduction |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_presentation_reduction:downside/value | None | 40.0 |
| /operating_model/cells/downside_2026q4_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2026q4_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_processing_cost:downside/formula/refs/0 | None | downside_2026q4_gmv |
| /operating_model/cells/downside_2026q4_processing_cost:downside/formula/refs/1 | None | downside_2026q4_processing_ratio |
| /operating_model/cells/downside_2026q4_processing_cost:downside/id | None | downside_2026q4_processing_cost |
| /operating_model/cells/downside_2026q4_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2026q4_processing_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_processing_cost:downside/value | None | 296.0 |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/id | None | downside_2026q4_processing_ratio |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/formula/refs/0 | None | downside_2026q4_processing_cost |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/formula/refs/1 | None | downside_2026q4_credit_expense |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/formula/refs/2 | None | downside_2026q4_funding_cost |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/id | None | downside_2026q4_raw_transaction_cost |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_raw_transaction_cost:downside/value | None | 720.0 |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/id | None | downside_2026q4_recognition_timing |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_recognition_timing:downside/value | None | 20.0 |
| /operating_model/cells/downside_2026q4_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_restructuring:downside/id | None | downside_2026q4_restructuring |
| /operating_model/cells/downside_2026q4_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2026q4_restructuring:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2026q4_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2026q4_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/0 | None | downside_2026q4_pre_presentation_revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/1 | None | downside_2026q4_presentation_reduction |
| /operating_model/cells/downside_2026q4_revenue:downside/id | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_revenue:downside/value | None | 1020.0 |
| /operating_model/cells/downside_2026q4_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2026q4_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_sbc:downside/id | None | downside_2026q4_sbc |
| /operating_model/cells/downside_2026q4_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2026q4_sbc:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_sbc:downside/value | None | 49.0 |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/id | None | downside_2026q4_senior_deployment |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_senior_deployment:downside/value | None | 180.0 |
| /operating_model/cells/downside_2026q4_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2026q4_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_service_revenue:downside/formula/refs/0 | None | downside_2026q4_gmv |
| /operating_model/cells/downside_2026q4_service_revenue:downside/formula/refs/1 | None | downside_2026q4_service_yield |
| /operating_model/cells/downside_2026q4_service_revenue:downside/id | None | downside_2026q4_service_revenue |
| /operating_model/cells/downside_2026q4_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2026q4_service_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_service_revenue:downside/value | None | 704.9999999999999 |
| /operating_model/cells/downside_2026q4_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_service_yield:downside/id | None | downside_2026q4_service_yield |
| /operating_model/cells/downside_2026q4_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2026q4_service_yield:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_service_yield:downside/value | None | 0.017625 |
| /operating_model/cells/downside_2026q4_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2026q4_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_tmd:downside/formula/refs/0 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_tmd:downside/formula/refs/1 | None | downside_2026q4_transaction_cost |
| /operating_model/cells/downside_2026q4_tmd:downside/id | None | downside_2026q4_tmd |
| /operating_model/cells/downside_2026q4_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2026q4_tmd:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_tmd:downside/value | None | 360.0 |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/formula/refs/0 | None | downside_2026q4_raw_transaction_cost |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/formula/refs/1 | None | downside_2026q4_accounting_reductions |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/id | None | downside_2026q4_transaction_cost |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_transaction_cost:downside/value | None | 660.0 |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/id | None | downside_2026q4_treasury_deployment |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_treasury_deployment:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/formula/refs/0 | None | downside_2027q1_presentation_reduction |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/formula/refs/1 | None | downside_2027q1_recognition_timing |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/id | None | downside_2027q1_accounting_reductions |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_accounting_reductions:downside/value | None | 35.0 |
| /operating_model/cells/downside_2027q1_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2027q1_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_adj_operating:downside/formula/refs/0 | None | downside_2027q1_tmd |
| /operating_model/cells/downside_2027q1_adj_operating:downside/formula/refs/1 | None | downside_2027q1_adjusted_opex |
| /operating_model/cells/downside_2027q1_adj_operating:downside/id | None | downside_2027q1_adj_operating |
| /operating_model/cells/downside_2027q1_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2027q1_adj_operating:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_adj_operating:downside/value | None | -35.000000000000114 |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/id | None | downside_2027q1_adjusted_opex |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_adjusted_opex:downside/value | None | 355.0 |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/formula/refs/0 | None | downside_2027q1_loan_deployment |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/formula/refs/1 | None | downside_2027q1_senior_deployment |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/formula/refs/2 | None | downside_2027q1_treasury_deployment |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/id | None | downside_2027q1_bank_asset_deployment |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_bank_asset_deployment:downside/value | None | 430.0 |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/formula/refs/0 | None | downside_2027q1_cash_before_bank_balances |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/formula/refs/1 | None | downside_2027q1_deposit_flow |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/formula/refs/2 | None | downside_2027q1_operating_notes_flow |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/id | None | downside_2027q1_bank_funding_inflow |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_bank_funding_inflow:downside/value | None | 50.999999999999886 |
| /operating_model/cells/downside_2027q1_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_capex:downside/id | None | downside_2027q1_capex |
| /operating_model/cells/downside_2027q1_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2027q1_capex:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_capex:downside/value | None | 12.0 |
| /operating_model/cells/downside_2027q1_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2027q1_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_capital_cash:downside/formula/refs/0 | None | downside_2027q1_capex |
| /operating_model/cells/downside_2027q1_capital_cash:downside/formula/refs/1 | None | downside_2027q1_lease_principal |
| /operating_model/cells/downside_2027q1_capital_cash:downside/id | None | downside_2027q1_capital_cash |
| /operating_model/cells/downside_2027q1_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2027q1_capital_cash:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_capital_cash:downside/value | None | 17.0 |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/formula/refs/1 | None | downside_2027q1_capital_cash |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/id | None | downside_2027q1_cash_after_capex |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_after_capex:downside/value | None | -396.0000000000001 |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2027q1_noncash_credit_bridge |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2027q1_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/id | None | downside_2027q1_cash_before_bank_balances |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_before_bank_balances:downside/value | None | 150.9999999999999 |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2027q1_loan_sale_gain |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2027q1_recognition_timing |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2027q1_restructuring |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2027q1_cash_tax |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2027q1_other_settlement_use |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/id | None | downside_2027q1_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_earnings_adjustment:downside/value | None | 149.0 |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/id | None | downside_2027q1_cash_funding_expense |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_funding_expense:downside/value | None | 101.0 |
| /operating_model/cells/downside_2027q1_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_tax:downside/id | None | downside_2027q1_cash_tax |
| /operating_model/cells/downside_2027q1_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2027q1_cash_tax:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_tax:downside/value | None | 16.0 |
| /operating_model/cells/downside_2027q1_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2027q1_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/refs/0 | None | downside_2027q1_bank_funding_inflow |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/refs/1 | None | downside_2027q1_bank_asset_deployment |
| /operating_model/cells/downside_2027q1_cfo:downside/id | None | downside_2027q1_cfo |
| /operating_model/cells/downside_2027q1_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2027q1_cfo:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cfo:downside/value | None | -379.0000000000001 |
| /operating_model/cells/downside_2027q1_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2027q1_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_credit_expense:downside/formula/refs/0 | None | downside_2027q1_gmv |
| /operating_model/cells/downside_2027q1_credit_expense:downside/formula/refs/1 | None | downside_2027q1_credit_ratio |
| /operating_model/cells/downside_2027q1_credit_expense:downside/id | None | downside_2027q1_credit_expense |
| /operating_model/cells/downside_2027q1_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2027q1_credit_expense:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_credit_expense:downside/value | None | 280.0 |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/id | None | downside_2027q1_credit_ratio |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2027q1_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_da:downside/id | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2027q1_da:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_da:downside/value | None | 26.0 |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/id | None | downside_2027q1_deposit_flow |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_deposit_flow:downside/value | None | -100.0 |
| /operating_model/cells/downside_2027q1_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2027q1_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_funding_cost:downside/formula/refs/0 | None | downside_2027q1_cash_funding_expense |
| /operating_model/cells/downside_2027q1_funding_cost:downside/formula/refs/1 | None | downside_2027q1_funding_fv |
| /operating_model/cells/downside_2027q1_funding_cost:downside/id | None | downside_2027q1_funding_cost |
| /operating_model/cells/downside_2027q1_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2027q1_funding_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_funding_cost:downside/value | None | 156.0 |
| /operating_model/cells/downside_2027q1_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_funding_fv:downside/id | None | downside_2027q1_funding_fv |
| /operating_model/cells/downside_2027q1_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2027q1_funding_fv:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_funding_fv:downside/value | None | 55.0 |
| /operating_model/cells/downside_2027q1_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_gmv:downside/id | None | downside_2027q1_gmv |
| /operating_model/cells/downside_2027q1_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2027q1_gmv:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_gmv:downside/value | None | 35000.0 |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/formula/refs/0 | None | downside_2027q1_sbc |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/formula/refs/1 | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/formula/refs/2 | None | downside_2027q1_restructuring |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/id | None | downside_2027q1_ifrs_adjustments |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_ifrs_adjustments:downside/value | None | 83.0 |
| /operating_model/cells/downside_2027q1_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_interest_income:downside/id | None | downside_2027q1_interest_income |
| /operating_model/cells/downside_2027q1_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2027q1_interest_income:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_interest_income:downside/value | None | 275.0 |
| /operating_model/cells/downside_2027q1_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_lease_principal:downside/id | None | downside_2027q1_lease_principal |
| /operating_model/cells/downside_2027q1_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2027q1_lease_principal:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/id | None | downside_2027q1_loan_deployment |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_loan_deployment:downside/value | None | 200.0 |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/id | None | downside_2027q1_loan_sale_gain |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_loan_sale_gain:downside/value | None | 105.0 |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2027q1_adj_operating |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2027q1_credit_expense |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2027q1_funding_fv |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/id | None | downside_2027q1_noncash_credit_bridge |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_noncash_credit_bridge:downside/value | None | 299.9999999999999 |
| /operating_model/cells/downside_2027q1_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2027q1_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/refs/0 | None | downside_2027q1_adj_operating |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/refs/1 | None | downside_2027q1_ifrs_adjustments |
| /operating_model/cells/downside_2027q1_operating_income:downside/id | None | downside_2027q1_operating_income |
| /operating_model/cells/downside_2027q1_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2027q1_operating_income:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_operating_income:downside/value | None | -118.00000000000011 |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/id | None | downside_2027q1_operating_notes_flow |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/id | None | downside_2027q1_other_settlement_use |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_other_settlement_use:downside/value | None | 24.0 |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2027q1_service_revenue |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2027q1_interest_income |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2027q1_loan_sale_gain |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/id | None | downside_2027q1_pre_presentation_revenue |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_pre_presentation_revenue:downside/value | None | 1014.9999999999999 |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/id | None | downside_2027q1_presentation_ratio |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/formula/refs/0 | None | downside_2027q1_gmv |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/formula/refs/1 | None | downside_2027q1_presentation_ratio |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/id | None | downside_2027q1_presentation_reduction |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_presentation_reduction:downside/value | None | 35.0 |
| /operating_model/cells/downside_2027q1_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2027q1_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_processing_cost:downside/formula/refs/0 | None | downside_2027q1_gmv |
| /operating_model/cells/downside_2027q1_processing_cost:downside/formula/refs/1 | None | downside_2027q1_processing_ratio |
| /operating_model/cells/downside_2027q1_processing_cost:downside/id | None | downside_2027q1_processing_cost |
| /operating_model/cells/downside_2027q1_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2027q1_processing_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_processing_cost:downside/value | None | 259.0 |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/id | None | downside_2027q1_processing_ratio |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/formula/refs/0 | None | downside_2027q1_processing_cost |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/formula/refs/1 | None | downside_2027q1_credit_expense |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/formula/refs/2 | None | downside_2027q1_funding_cost |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/id | None | downside_2027q1_raw_transaction_cost |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_raw_transaction_cost:downside/value | None | 695.0 |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/id | None | downside_2027q1_recognition_timing |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_recognition_timing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q1_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_restructuring:downside/id | None | downside_2027q1_restructuring |
| /operating_model/cells/downside_2027q1_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2027q1_restructuring:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2027q1_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2027q1_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/0 | None | downside_2027q1_pre_presentation_revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/1 | None | downside_2027q1_presentation_reduction |
| /operating_model/cells/downside_2027q1_revenue:downside/id | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_revenue:downside/value | None | 979.9999999999999 |
| /operating_model/cells/downside_2027q1_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2027q1_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_sbc:downside/id | None | downside_2027q1_sbc |
| /operating_model/cells/downside_2027q1_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2027q1_sbc:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_sbc:downside/value | None | 53.0 |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/id | None | downside_2027q1_senior_deployment |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_senior_deployment:downside/value | None | 180.0 |
| /operating_model/cells/downside_2027q1_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2027q1_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_service_revenue:downside/formula/refs/0 | None | downside_2027q1_gmv |
| /operating_model/cells/downside_2027q1_service_revenue:downside/formula/refs/1 | None | downside_2027q1_service_yield |
| /operating_model/cells/downside_2027q1_service_revenue:downside/id | None | downside_2027q1_service_revenue |
| /operating_model/cells/downside_2027q1_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2027q1_service_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_service_revenue:downside/value | None | 634.9999999999999 |
| /operating_model/cells/downside_2027q1_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_service_yield:downside/id | None | downside_2027q1_service_yield |
| /operating_model/cells/downside_2027q1_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2027q1_service_yield:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_service_yield:downside/value | None | 0.01814285714285714 |
| /operating_model/cells/downside_2027q1_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2027q1_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_tmd:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_tmd:downside/formula/refs/1 | None | downside_2027q1_transaction_cost |
| /operating_model/cells/downside_2027q1_tmd:downside/id | None | downside_2027q1_tmd |
| /operating_model/cells/downside_2027q1_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2027q1_tmd:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_tmd:downside/value | None | 319.9999999999999 |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/formula/refs/0 | None | downside_2027q1_raw_transaction_cost |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/formula/refs/1 | None | downside_2027q1_accounting_reductions |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/id | None | downside_2027q1_transaction_cost |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_transaction_cost:downside/value | None | 660.0 |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/id | None | downside_2027q1_treasury_deployment |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_treasury_deployment:downside/value | None | 50.0 |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/formula/refs/0 | None | downside_2027q2_presentation_reduction |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/formula/refs/1 | None | downside_2027q2_recognition_timing |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/id | None | downside_2027q2_accounting_reductions |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_accounting_reductions:downside/value | None | 36.5 |
| /operating_model/cells/downside_2027q2_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2027q2_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_adj_operating:downside/formula/refs/0 | None | downside_2027q2_tmd |
| /operating_model/cells/downside_2027q2_adj_operating:downside/formula/refs/1 | None | downside_2027q2_adjusted_opex |
| /operating_model/cells/downside_2027q2_adj_operating:downside/id | None | downside_2027q2_adj_operating |
| /operating_model/cells/downside_2027q2_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2027q2_adj_operating:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_adj_operating:downside/value | None | -35.0 |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/id | None | downside_2027q2_adjusted_opex |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_adjusted_opex:downside/value | None | 365.0 |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/formula/refs/0 | None | downside_2027q2_loan_deployment |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/formula/refs/1 | None | downside_2027q2_senior_deployment |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/formula/refs/2 | None | downside_2027q2_treasury_deployment |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/id | None | downside_2027q2_bank_asset_deployment |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_bank_asset_deployment:downside/value | None | 500.0 |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/formula/refs/0 | None | downside_2027q2_cash_before_bank_balances |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/formula/refs/1 | None | downside_2027q2_deposit_flow |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/formula/refs/2 | None | downside_2027q2_operating_notes_flow |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/id | None | downside_2027q2_bank_funding_inflow |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_bank_funding_inflow:downside/value | None | 54.0 |
| /operating_model/cells/downside_2027q2_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_capex:downside/id | None | downside_2027q2_capex |
| /operating_model/cells/downside_2027q2_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2027q2_capex:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_capex:downside/value | None | 13.0 |
| /operating_model/cells/downside_2027q2_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2027q2_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_capital_cash:downside/formula/refs/0 | None | downside_2027q2_capex |
| /operating_model/cells/downside_2027q2_capital_cash:downside/formula/refs/1 | None | downside_2027q2_lease_principal |
| /operating_model/cells/downside_2027q2_capital_cash:downside/id | None | downside_2027q2_capital_cash |
| /operating_model/cells/downside_2027q2_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2027q2_capital_cash:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_capital_cash:downside/value | None | 18.0 |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/formula/refs/0 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/formula/refs/1 | None | downside_2027q2_capital_cash |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/id | None | downside_2027q2_cash_after_capex |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_after_capex:downside/value | None | -464.0 |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2027q2_noncash_credit_bridge |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2027q2_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/id | None | downside_2027q2_cash_before_bank_balances |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_before_bank_balances:downside/value | None | 154.0 |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2027q2_loan_sale_gain |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2027q2_recognition_timing |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2027q2_restructuring |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2027q2_cash_tax |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2027q2_other_settlement_use |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/id | None | downside_2027q2_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_earnings_adjustment:downside/value | None | 163.0 |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/id | None | downside_2027q2_cash_funding_expense |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_funding_expense:downside/value | None | 104.39999999999998 |
| /operating_model/cells/downside_2027q2_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_tax:downside/id | None | downside_2027q2_cash_tax |
| /operating_model/cells/downside_2027q2_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2027q2_cash_tax:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_tax:downside/value | None | 18.0 |
| /operating_model/cells/downside_2027q2_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2027q2_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/refs/0 | None | downside_2027q2_bank_funding_inflow |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/refs/1 | None | downside_2027q2_bank_asset_deployment |
| /operating_model/cells/downside_2027q2_cfo:downside/id | None | downside_2027q2_cfo |
| /operating_model/cells/downside_2027q2_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2027q2_cfo:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cfo:downside/value | None | -446.0 |
| /operating_model/cells/downside_2027q2_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2027q2_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_credit_expense:downside/formula/refs/0 | None | downside_2027q2_gmv |
| /operating_model/cells/downside_2027q2_credit_expense:downside/formula/refs/1 | None | downside_2027q2_credit_ratio |
| /operating_model/cells/downside_2027q2_credit_expense:downside/id | None | downside_2027q2_credit_expense |
| /operating_model/cells/downside_2027q2_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2027q2_credit_expense:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_credit_expense:downside/value | None | 292.0 |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/id | None | downside_2027q2_credit_ratio |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2027q2_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_da:downside/id | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2027q2_da:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_da:downside/value | None | 27.0 |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/id | None | downside_2027q2_deposit_flow |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_deposit_flow:downside/value | None | -100.0 |
| /operating_model/cells/downside_2027q2_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2027q2_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_funding_cost:downside/formula/refs/0 | None | downside_2027q2_cash_funding_expense |
| /operating_model/cells/downside_2027q2_funding_cost:downside/formula/refs/1 | None | downside_2027q2_funding_fv |
| /operating_model/cells/downside_2027q2_funding_cost:downside/id | None | downside_2027q2_funding_cost |
| /operating_model/cells/downside_2027q2_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2027q2_funding_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_funding_cost:downside/value | None | 164.39999999999998 |
| /operating_model/cells/downside_2027q2_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_funding_fv:downside/id | None | downside_2027q2_funding_fv |
| /operating_model/cells/downside_2027q2_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2027q2_funding_fv:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_funding_fv:downside/value | None | 60.0 |
| /operating_model/cells/downside_2027q2_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_gmv:downside/id | None | downside_2027q2_gmv |
| /operating_model/cells/downside_2027q2_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2027q2_gmv:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_gmv:downside/value | None | 36500.0 |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/formula/refs/0 | None | downside_2027q2_sbc |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/formula/refs/1 | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/formula/refs/2 | None | downside_2027q2_restructuring |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/id | None | downside_2027q2_ifrs_adjustments |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_ifrs_adjustments:downside/value | None | 88.0 |
| /operating_model/cells/downside_2027q2_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_interest_income:downside/id | None | downside_2027q2_interest_income |
| /operating_model/cells/downside_2027q2_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2027q2_interest_income:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_interest_income:downside/value | None | 290.0 |
| /operating_model/cells/downside_2027q2_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_lease_principal:downside/id | None | downside_2027q2_lease_principal |
| /operating_model/cells/downside_2027q2_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2027q2_lease_principal:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/id | None | downside_2027q2_loan_deployment |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_loan_deployment:downside/value | None | 250.0 |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/id | None | downside_2027q2_loan_sale_gain |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_loan_sale_gain:downside/value | None | 115.0 |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2027q2_adj_operating |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2027q2_credit_expense |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2027q2_funding_fv |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/id | None | downside_2027q2_noncash_credit_bridge |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_noncash_credit_bridge:downside/value | None | 317.0 |
| /operating_model/cells/downside_2027q2_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2027q2_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/refs/0 | None | downside_2027q2_adj_operating |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/refs/1 | None | downside_2027q2_ifrs_adjustments |
| /operating_model/cells/downside_2027q2_operating_income:downside/id | None | downside_2027q2_operating_income |
| /operating_model/cells/downside_2027q2_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2027q2_operating_income:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_operating_income:downside/value | None | -123.0 |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/id | None | downside_2027q2_operating_notes_flow |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/id | None | downside_2027q2_other_settlement_use |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_other_settlement_use:downside/value | None | 26.0 |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2027q2_service_revenue |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2027q2_interest_income |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2027q2_loan_sale_gain |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/id | None | downside_2027q2_pre_presentation_revenue |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_pre_presentation_revenue:downside/value | None | 1056.5 |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/id | None | downside_2027q2_presentation_ratio |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/formula/refs/0 | None | downside_2027q2_gmv |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/formula/refs/1 | None | downside_2027q2_presentation_ratio |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/id | None | downside_2027q2_presentation_reduction |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_presentation_reduction:downside/value | None | 36.5 |
| /operating_model/cells/downside_2027q2_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2027q2_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_processing_cost:downside/formula/refs/0 | None | downside_2027q2_gmv |
| /operating_model/cells/downside_2027q2_processing_cost:downside/formula/refs/1 | None | downside_2027q2_processing_ratio |
| /operating_model/cells/downside_2027q2_processing_cost:downside/id | None | downside_2027q2_processing_cost |
| /operating_model/cells/downside_2027q2_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2027q2_processing_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_processing_cost:downside/value | None | 270.1 |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/id | None | downside_2027q2_processing_ratio |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/formula/refs/0 | None | downside_2027q2_processing_cost |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/formula/refs/1 | None | downside_2027q2_credit_expense |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/formula/refs/2 | None | downside_2027q2_funding_cost |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/id | None | downside_2027q2_raw_transaction_cost |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_raw_transaction_cost:downside/value | None | 726.5 |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/id | None | downside_2027q2_recognition_timing |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_recognition_timing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q2_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_restructuring:downside/id | None | downside_2027q2_restructuring |
| /operating_model/cells/downside_2027q2_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2027q2_restructuring:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2027q2_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2027q2_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/0 | None | downside_2027q2_pre_presentation_revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/1 | None | downside_2027q2_presentation_reduction |
| /operating_model/cells/downside_2027q2_revenue:downside/id | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_revenue:downside/value | None | 1020.0 |
| /operating_model/cells/downside_2027q2_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2027q2_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_sbc:downside/id | None | downside_2027q2_sbc |
| /operating_model/cells/downside_2027q2_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2027q2_sbc:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_sbc:downside/value | None | 57.0 |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/id | None | downside_2027q2_senior_deployment |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_senior_deployment:downside/value | None | 200.0 |
| /operating_model/cells/downside_2027q2_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2027q2_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_service_revenue:downside/formula/refs/0 | None | downside_2027q2_gmv |
| /operating_model/cells/downside_2027q2_service_revenue:downside/formula/refs/1 | None | downside_2027q2_service_yield |
| /operating_model/cells/downside_2027q2_service_revenue:downside/id | None | downside_2027q2_service_revenue |
| /operating_model/cells/downside_2027q2_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2027q2_service_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_service_revenue:downside/value | None | 651.5 |
| /operating_model/cells/downside_2027q2_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_service_yield:downside/id | None | downside_2027q2_service_yield |
| /operating_model/cells/downside_2027q2_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2027q2_service_yield:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_service_yield:downside/value | None | 0.01784931506849315 |
| /operating_model/cells/downside_2027q2_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2027q2_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_tmd:downside/formula/refs/0 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_tmd:downside/formula/refs/1 | None | downside_2027q2_transaction_cost |
| /operating_model/cells/downside_2027q2_tmd:downside/id | None | downside_2027q2_tmd |
| /operating_model/cells/downside_2027q2_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2027q2_tmd:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_tmd:downside/value | None | 330.0 |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/formula/refs/0 | None | downside_2027q2_raw_transaction_cost |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/formula/refs/1 | None | downside_2027q2_accounting_reductions |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/id | None | downside_2027q2_transaction_cost |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_transaction_cost:downside/value | None | 690.0 |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/id | None | downside_2027q2_treasury_deployment |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_treasury_deployment:downside/value | None | 50.0 |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/formula/refs/0 | None | downside_2027q3_presentation_reduction |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/formula/refs/1 | None | downside_2027q3_recognition_timing |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/id | None | downside_2027q3_accounting_reductions |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_accounting_reductions:downside/value | None | 37.0 |
| /operating_model/cells/downside_2027q3_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2027q3_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_adj_operating:downside/formula/refs/0 | None | downside_2027q3_tmd |
| /operating_model/cells/downside_2027q3_adj_operating:downside/formula/refs/1 | None | downside_2027q3_adjusted_opex |
| /operating_model/cells/downside_2027q3_adj_operating:downside/id | None | downside_2027q3_adj_operating |
| /operating_model/cells/downside_2027q3_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2027q3_adj_operating:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_adj_operating:downside/value | None | -34.999999999999886 |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/id | None | downside_2027q3_adjusted_opex |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_adjusted_opex:downside/value | None | 375.0 |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/formula/refs/0 | None | downside_2027q3_loan_deployment |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/formula/refs/1 | None | downside_2027q3_senior_deployment |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/formula/refs/2 | None | downside_2027q3_treasury_deployment |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/id | None | downside_2027q3_bank_asset_deployment |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_bank_asset_deployment:downside/value | None | 520.0 |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/formula/refs/0 | None | downside_2027q3_cash_before_bank_balances |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/formula/refs/1 | None | downside_2027q3_deposit_flow |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/formula/refs/2 | None | downside_2027q3_operating_notes_flow |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/id | None | downside_2027q3_bank_funding_inflow |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_bank_funding_inflow:downside/value | None | 49.000000000000114 |
| /operating_model/cells/downside_2027q3_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_capex:downside/id | None | downside_2027q3_capex |
| /operating_model/cells/downside_2027q3_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2027q3_capex:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_capex:downside/value | None | 14.0 |
| /operating_model/cells/downside_2027q3_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2027q3_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_capital_cash:downside/formula/refs/0 | None | downside_2027q3_capex |
| /operating_model/cells/downside_2027q3_capital_cash:downside/formula/refs/1 | None | downside_2027q3_lease_principal |
| /operating_model/cells/downside_2027q3_capital_cash:downside/id | None | downside_2027q3_capital_cash |
| /operating_model/cells/downside_2027q3_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2027q3_capital_cash:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_capital_cash:downside/value | None | 19.0 |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/formula/refs/0 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/formula/refs/1 | None | downside_2027q3_capital_cash |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/id | None | downside_2027q3_cash_after_capex |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_after_capex:downside/value | None | -489.9999999999999 |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2027q3_noncash_credit_bridge |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2027q3_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/id | None | downside_2027q3_cash_before_bank_balances |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_before_bank_balances:downside/value | None | 149.0000000000001 |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2027q3_loan_sale_gain |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2027q3_recognition_timing |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2027q3_restructuring |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2027q3_cash_tax |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2027q3_other_settlement_use |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/id | None | downside_2027q3_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_earnings_adjustment:downside/value | None | 177.0 |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/id | None | downside_2027q3_cash_funding_expense |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_funding_expense:downside/value | None | 112.19999999999993 |
| /operating_model/cells/downside_2027q3_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_tax:downside/id | None | downside_2027q3_cash_tax |
| /operating_model/cells/downside_2027q3_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2027q3_cash_tax:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_tax:downside/value | None | 20.0 |
| /operating_model/cells/downside_2027q3_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2027q3_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/refs/0 | None | downside_2027q3_bank_funding_inflow |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/refs/1 | None | downside_2027q3_bank_asset_deployment |
| /operating_model/cells/downside_2027q3_cfo:downside/id | None | downside_2027q3_cfo |
| /operating_model/cells/downside_2027q3_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2027q3_cfo:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cfo:downside/value | None | -470.9999999999999 |
| /operating_model/cells/downside_2027q3_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2027q3_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_credit_expense:downside/formula/refs/0 | None | downside_2027q3_gmv |
| /operating_model/cells/downside_2027q3_credit_expense:downside/formula/refs/1 | None | downside_2027q3_credit_ratio |
| /operating_model/cells/downside_2027q3_credit_expense:downside/id | None | downside_2027q3_credit_expense |
| /operating_model/cells/downside_2027q3_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2027q3_credit_expense:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_credit_expense:downside/value | None | 296.0 |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/id | None | downside_2027q3_credit_ratio |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2027q3_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_da:downside/id | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2027q3_da:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_da:downside/value | None | 28.0 |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/id | None | downside_2027q3_deposit_flow |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_deposit_flow:downside/value | None | -100.0 |
| /operating_model/cells/downside_2027q3_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2027q3_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_funding_cost:downside/formula/refs/0 | None | downside_2027q3_cash_funding_expense |
| /operating_model/cells/downside_2027q3_funding_cost:downside/formula/refs/1 | None | downside_2027q3_funding_fv |
| /operating_model/cells/downside_2027q3_funding_cost:downside/id | None | downside_2027q3_funding_cost |
| /operating_model/cells/downside_2027q3_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2027q3_funding_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_funding_cost:downside/value | None | 177.19999999999993 |
| /operating_model/cells/downside_2027q3_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_funding_fv:downside/id | None | downside_2027q3_funding_fv |
| /operating_model/cells/downside_2027q3_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2027q3_funding_fv:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_funding_fv:downside/value | None | 65.0 |
| /operating_model/cells/downside_2027q3_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_gmv:downside/id | None | downside_2027q3_gmv |
| /operating_model/cells/downside_2027q3_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2027q3_gmv:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_gmv:downside/value | None | 37000.0 |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/formula/refs/0 | None | downside_2027q3_sbc |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/formula/refs/1 | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/formula/refs/2 | None | downside_2027q3_restructuring |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/id | None | downside_2027q3_ifrs_adjustments |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_ifrs_adjustments:downside/value | None | 93.0 |
| /operating_model/cells/downside_2027q3_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_interest_income:downside/id | None | downside_2027q3_interest_income |
| /operating_model/cells/downside_2027q3_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2027q3_interest_income:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_interest_income:downside/value | None | 305.0 |
| /operating_model/cells/downside_2027q3_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_lease_principal:downside/id | None | downside_2027q3_lease_principal |
| /operating_model/cells/downside_2027q3_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2027q3_lease_principal:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/id | None | downside_2027q3_loan_deployment |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_loan_deployment:downside/value | None | 250.0 |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/id | None | downside_2027q3_loan_sale_gain |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_loan_sale_gain:downside/value | None | 125.0 |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2027q3_adj_operating |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2027q3_credit_expense |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2027q3_funding_fv |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/id | None | downside_2027q3_noncash_credit_bridge |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_noncash_credit_bridge:downside/value | None | 326.0000000000001 |
| /operating_model/cells/downside_2027q3_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2027q3_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/refs/0 | None | downside_2027q3_adj_operating |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/refs/1 | None | downside_2027q3_ifrs_adjustments |
| /operating_model/cells/downside_2027q3_operating_income:downside/id | None | downside_2027q3_operating_income |
| /operating_model/cells/downside_2027q3_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2027q3_operating_income:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_operating_income:downside/value | None | -127.99999999999989 |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/id | None | downside_2027q3_operating_notes_flow |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/id | None | downside_2027q3_other_settlement_use |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_other_settlement_use:downside/value | None | 28.0 |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2027q3_service_revenue |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2027q3_interest_income |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2027q3_loan_sale_gain |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/id | None | downside_2027q3_pre_presentation_revenue |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_pre_presentation_revenue:downside/value | None | 1087.0 |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/id | None | downside_2027q3_presentation_ratio |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/formula/refs/0 | None | downside_2027q3_gmv |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/formula/refs/1 | None | downside_2027q3_presentation_ratio |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/id | None | downside_2027q3_presentation_reduction |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_presentation_reduction:downside/value | None | 37.0 |
| /operating_model/cells/downside_2027q3_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2027q3_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_processing_cost:downside/formula/refs/0 | None | downside_2027q3_gmv |
| /operating_model/cells/downside_2027q3_processing_cost:downside/formula/refs/1 | None | downside_2027q3_processing_ratio |
| /operating_model/cells/downside_2027q3_processing_cost:downside/id | None | downside_2027q3_processing_cost |
| /operating_model/cells/downside_2027q3_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2027q3_processing_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_processing_cost:downside/value | None | 273.8 |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/id | None | downside_2027q3_processing_ratio |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/formula/refs/0 | None | downside_2027q3_processing_cost |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/formula/refs/1 | None | downside_2027q3_credit_expense |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/formula/refs/2 | None | downside_2027q3_funding_cost |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/id | None | downside_2027q3_raw_transaction_cost |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_raw_transaction_cost:downside/value | None | 746.9999999999999 |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/id | None | downside_2027q3_recognition_timing |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_recognition_timing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q3_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_restructuring:downside/id | None | downside_2027q3_restructuring |
| /operating_model/cells/downside_2027q3_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2027q3_restructuring:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2027q3_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2027q3_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/0 | None | downside_2027q3_pre_presentation_revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/1 | None | downside_2027q3_presentation_reduction |
| /operating_model/cells/downside_2027q3_revenue:downside/id | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_revenue:downside/value | None | 1050.0 |
| /operating_model/cells/downside_2027q3_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2027q3_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_sbc:downside/id | None | downside_2027q3_sbc |
| /operating_model/cells/downside_2027q3_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2027q3_sbc:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_sbc:downside/value | None | 61.0 |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/id | None | downside_2027q3_senior_deployment |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_senior_deployment:downside/value | None | 220.0 |
| /operating_model/cells/downside_2027q3_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2027q3_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_service_revenue:downside/formula/refs/0 | None | downside_2027q3_gmv |
| /operating_model/cells/downside_2027q3_service_revenue:downside/formula/refs/1 | None | downside_2027q3_service_yield |
| /operating_model/cells/downside_2027q3_service_revenue:downside/id | None | downside_2027q3_service_revenue |
| /operating_model/cells/downside_2027q3_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2027q3_service_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_service_revenue:downside/value | None | 657.0 |
| /operating_model/cells/downside_2027q3_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_service_yield:downside/id | None | downside_2027q3_service_yield |
| /operating_model/cells/downside_2027q3_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2027q3_service_yield:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_service_yield:downside/value | None | 0.017756756756756756 |
| /operating_model/cells/downside_2027q3_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2027q3_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_tmd:downside/formula/refs/0 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_tmd:downside/formula/refs/1 | None | downside_2027q3_transaction_cost |
| /operating_model/cells/downside_2027q3_tmd:downside/id | None | downside_2027q3_tmd |
| /operating_model/cells/downside_2027q3_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2027q3_tmd:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_tmd:downside/value | None | 340.0000000000001 |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/formula/refs/0 | None | downside_2027q3_raw_transaction_cost |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/formula/refs/1 | None | downside_2027q3_accounting_reductions |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/id | None | downside_2027q3_transaction_cost |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_transaction_cost:downside/value | None | 709.9999999999999 |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/id | None | downside_2027q3_treasury_deployment |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_treasury_deployment:downside/value | None | 50.0 |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/formula/refs/0 | None | downside_2027q4_presentation_reduction |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/formula/refs/1 | None | downside_2027q4_recognition_timing |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/id | None | downside_2027q4_accounting_reductions |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_accounting_reductions:downside/value | None | 43.5 |
| /operating_model/cells/downside_2027q4_adj_operating:downside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/downside_2027q4_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_adj_operating:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_adj_operating:downside/formula/refs/0 | None | downside_2027q4_tmd |
| /operating_model/cells/downside_2027q4_adj_operating:downside/formula/refs/1 | None | downside_2027q4_adjusted_opex |
| /operating_model/cells/downside_2027q4_adj_operating:downside/id | None | downside_2027q4_adj_operating |
| /operating_model/cells/downside_2027q4_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_adj_operating:downside/label | None | Adjusted operating income |
| /operating_model/cells/downside_2027q4_adj_operating:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_adj_operating:downside/value | None | -1.1368683772161603e-13 |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/id | None | downside_2027q4_adjusted_opex |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/label | None | Adjusted operating expenses |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_adjusted_opex:downside/value | None | 405.0 |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/formula/refs/0 | None | downside_2027q4_loan_deployment |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/formula/refs/1 | None | downside_2027q4_senior_deployment |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/formula/refs/2 | None | downside_2027q4_treasury_deployment |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/id | None | downside_2027q4_bank_asset_deployment |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/label | None | Loan senior and treasury investment |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_bank_asset_deployment:downside/value | None | 590.0 |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/formula/refs/0 | None | downside_2027q4_cash_before_bank_balances |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/formula/refs/1 | None | downside_2027q4_deposit_flow |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/formula/refs/2 | None | downside_2027q4_operating_notes_flow |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/id | None | downside_2027q4_bank_funding_inflow |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_bank_funding_inflow:downside/value | None | 226.9999999999999 |
| /operating_model/cells/downside_2027q4_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_capex:downside/id | None | downside_2027q4_capex |
| /operating_model/cells/downside_2027q4_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_capex:downside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/downside_2027q4_capex:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_capex:downside/value | None | 15.0 |
| /operating_model/cells/downside_2027q4_capital_cash:downside/basis | None | Other financing cash excluded. |
| /operating_model/cells/downside_2027q4_capital_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_capital_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_capital_cash:downside/formula/refs/0 | None | downside_2027q4_capex |
| /operating_model/cells/downside_2027q4_capital_cash:downside/formula/refs/1 | None | downside_2027q4_lease_principal |
| /operating_model/cells/downside_2027q4_capital_cash:downside/id | None | downside_2027q4_capital_cash |
| /operating_model/cells/downside_2027q4_capital_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_capital_cash:downside/label | None | Capex and lease principal |
| /operating_model/cells/downside_2027q4_capital_cash:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_capital_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_capital_cash:downside/value | None | 20.0 |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/formula/refs/0 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/formula/refs/1 | None | downside_2027q4_capital_cash |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/id | None | downside_2027q4_cash_after_capex |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_after_capex:downside/value | None | -383.0000000000001 |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/formula/refs/0 | None | downside_2027q4_noncash_credit_bridge |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/formula/refs/1 | None | downside_2027q4_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/id | None | downside_2027q4_cash_before_bank_balances |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_before_bank_balances:downside/value | None | 226.9999999999999 |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/refs/0 | None | downside_2027q4_loan_sale_gain |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/refs/1 | None | downside_2027q4_recognition_timing |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/refs/2 | None | downside_2027q4_restructuring |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/refs/3 | None | downside_2027q4_cash_tax |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/formula/refs/4 | None | downside_2027q4_other_settlement_use |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/id | None | downside_2027q4_cash_earnings_adjustment |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_earnings_adjustment:downside/value | None | 191.0 |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/id | None | downside_2027q4_cash_funding_expense |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_funding_expense:downside/value | None | 88.60000000000002 |
| /operating_model/cells/downside_2027q4_cash_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_tax:downside/id | None | downside_2027q4_cash_tax |
| /operating_model/cells/downside_2027q4_cash_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_tax:downside/label | None | Cash income taxes |
| /operating_model/cells/downside_2027q4_cash_tax:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_tax:downside/value | None | 22.0 |
| /operating_model/cells/downside_2027q4_cfo:downside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/downside_2027q4_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/refs/0 | None | downside_2027q4_bank_funding_inflow |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/refs/1 | None | downside_2027q4_bank_asset_deployment |
| /operating_model/cells/downside_2027q4_cfo:downside/id | None | downside_2027q4_cfo |
| /operating_model/cells/downside_2027q4_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cfo:downside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/downside_2027q4_cfo:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cfo:downside/value | None | -363.0000000000001 |
| /operating_model/cells/downside_2027q4_credit_expense:downside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/downside_2027q4_credit_expense:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_credit_expense:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_credit_expense:downside/formula/refs/0 | None | downside_2027q4_gmv |
| /operating_model/cells/downside_2027q4_credit_expense:downside/formula/refs/1 | None | downside_2027q4_credit_ratio |
| /operating_model/cells/downside_2027q4_credit_expense:downside/id | None | downside_2027q4_credit_expense |
| /operating_model/cells/downside_2027q4_credit_expense:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_credit_expense:downside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/downside_2027q4_credit_expense:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_credit_expense:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_credit_expense:downside/value | None | 348.0 |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/id | None | downside_2027q4_credit_ratio |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/label | None | Credit expense / GMV |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_credit_ratio:downside/value | None | 0.008 |
| /operating_model/cells/downside_2027q4_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_da:downside/id | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_da:downside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/downside_2027q4_da:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_da:downside/value | None | 29.0 |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/id | None | downside_2027q4_deposit_flow |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_deposit_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q4_funding_cost:downside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/downside_2027q4_funding_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_funding_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_funding_cost:downside/formula/refs/0 | None | downside_2027q4_cash_funding_expense |
| /operating_model/cells/downside_2027q4_funding_cost:downside/formula/refs/1 | None | downside_2027q4_funding_fv |
| /operating_model/cells/downside_2027q4_funding_cost:downside/id | None | downside_2027q4_funding_cost |
| /operating_model/cells/downside_2027q4_funding_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_funding_cost:downside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/downside_2027q4_funding_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_funding_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_funding_cost:downside/value | None | 158.60000000000002 |
| /operating_model/cells/downside_2027q4_funding_fv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_funding_fv:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_funding_fv:downside/id | None | downside_2027q4_funding_fv |
| /operating_model/cells/downside_2027q4_funding_fv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_funding_fv:downside/label | None | Funding fair-value expense |
| /operating_model/cells/downside_2027q4_funding_fv:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_funding_fv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_funding_fv:downside/value | None | 70.0 |
| /operating_model/cells/downside_2027q4_gmv:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_gmv:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_gmv:downside/id | None | downside_2027q4_gmv |
| /operating_model/cells/downside_2027q4_gmv:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_gmv:downside/label | None | Gross merchandise volume |
| /operating_model/cells/downside_2027q4_gmv:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_gmv:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_gmv:downside/value | None | 43500.0 |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/formula/refs/0 | None | downside_2027q4_sbc |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/formula/refs/1 | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/formula/refs/2 | None | downside_2027q4_restructuring |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/id | None | downside_2027q4_ifrs_adjustments |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/label | None | SBC D&A and restructuring |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_ifrs_adjustments:downside/value | None | 98.0 |
| /operating_model/cells/downside_2027q4_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_interest_income:downside/id | None | downside_2027q4_interest_income |
| /operating_model/cells/downside_2027q4_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_interest_income:downside/label | None | Interest income on financing receivables |
| /operating_model/cells/downside_2027q4_interest_income:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_interest_income:downside/value | None | 320.0 |
| /operating_model/cells/downside_2027q4_lease_principal:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_lease_principal:downside/id | None | downside_2027q4_lease_principal |
| /operating_model/cells/downside_2027q4_lease_principal:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_lease_principal:downside/label | None | Lease principal payments |
| /operating_model/cells/downside_2027q4_lease_principal:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_lease_principal:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/id | None | downside_2027q4_loan_deployment |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_loan_deployment:downside/value | None | 300.0 |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/id | None | downside_2027q4_loan_sale_gain |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_loan_sale_gain:downside/value | None | 135.0 |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/formula/refs/0 | None | downside_2027q4_adj_operating |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/formula/refs/1 | None | downside_2027q4_credit_expense |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/formula/refs/2 | None | downside_2027q4_funding_fv |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/id | None | downside_2027q4_noncash_credit_bridge |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_noncash_credit_bridge:downside/value | None | 417.9999999999999 |
| /operating_model/cells/downside_2027q4_operating_income:downside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/downside_2027q4_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/refs/0 | None | downside_2027q4_adj_operating |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/refs/1 | None | downside_2027q4_ifrs_adjustments |
| /operating_model/cells/downside_2027q4_operating_income:downside/id | None | downside_2027q4_operating_income |
| /operating_model/cells/downside_2027q4_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_operating_income:downside/label | None | IFRS operating profit proxy |
| /operating_model/cells/downside_2027q4_operating_income:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_operating_income:downside/value | None | -98.00000000000011 |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/id | None | downside_2027q4_operating_notes_flow |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_operating_notes_flow:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/id | None | downside_2027q4_other_settlement_use |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_other_settlement_use:downside/value | None | 30.0 |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/formula/refs/0 | None | downside_2027q4_service_revenue |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/formula/refs/1 | None | downside_2027q4_interest_income |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/formula/refs/2 | None | downside_2027q4_loan_sale_gain |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/id | None | downside_2027q4_pre_presentation_revenue |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_pre_presentation_revenue:downside/value | None | 1233.5 |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/id | None | downside_2027q4_presentation_ratio |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/label | None | Presentation reduction / GMV |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_presentation_ratio:downside/value | None | 0.001 |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/formula/refs/0 | None | downside_2027q4_gmv |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/formula/refs/1 | None | downside_2027q4_presentation_ratio |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/id | None | downside_2027q4_presentation_reduction |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_presentation_reduction:downside/value | None | 43.5 |
| /operating_model/cells/downside_2027q4_processing_cost:downside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/downside_2027q4_processing_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_processing_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_processing_cost:downside/formula/refs/0 | None | downside_2027q4_gmv |
| /operating_model/cells/downside_2027q4_processing_cost:downside/formula/refs/1 | None | downside_2027q4_processing_ratio |
| /operating_model/cells/downside_2027q4_processing_cost:downside/id | None | downside_2027q4_processing_cost |
| /operating_model/cells/downside_2027q4_processing_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_processing_cost:downside/label | None | Processing and servicing expense |
| /operating_model/cells/downside_2027q4_processing_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_processing_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_processing_cost:downside/value | None | 321.90000000000003 |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/id | None | downside_2027q4_processing_ratio |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/label | None | Processing/servicing per GMV |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_processing_ratio:downside/value | None | 0.0074 |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/formula/refs/0 | None | downside_2027q4_processing_cost |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/formula/refs/1 | None | downside_2027q4_credit_expense |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/formula/refs/2 | None | downside_2027q4_funding_cost |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/id | None | downside_2027q4_raw_transaction_cost |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/label | None | Processing credit and funding cost |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_raw_transaction_cost:downside/value | None | 828.5000000000001 |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/id | None | downside_2027q4_recognition_timing |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_recognition_timing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q4_restructuring:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_restructuring:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_restructuring:downside/id | None | downside_2027q4_restructuring |
| /operating_model/cells/downside_2027q4_restructuring:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_restructuring:downside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/downside_2027q4_restructuring:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_restructuring:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_restructuring:downside/value | None | 4.0 |
| /operating_model/cells/downside_2027q4_revenue:downside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/downside_2027q4_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/0 | None | downside_2027q4_pre_presentation_revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/1 | None | downside_2027q4_presentation_reduction |
| /operating_model/cells/downside_2027q4_revenue:downside/id | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_revenue:downside/label | None | Reported IFRS revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_revenue:downside/value | None | 1190.0 |
| /operating_model/cells/downside_2027q4_sbc:downside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/downside_2027q4_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_sbc:downside/id | None | downside_2027q4_sbc |
| /operating_model/cells/downside_2027q4_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_sbc:downside/label | None | Share-based payments |
| /operating_model/cells/downside_2027q4_sbc:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_sbc:downside/value | None | 65.0 |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/id | None | downside_2027q4_senior_deployment |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_senior_deployment:downside/value | None | 240.0 |
| /operating_model/cells/downside_2027q4_service_revenue:downside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/downside_2027q4_service_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_service_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_service_revenue:downside/formula/refs/0 | None | downside_2027q4_gmv |
| /operating_model/cells/downside_2027q4_service_revenue:downside/formula/refs/1 | None | downside_2027q4_service_yield |
| /operating_model/cells/downside_2027q4_service_revenue:downside/id | None | downside_2027q4_service_revenue |
| /operating_model/cells/downside_2027q4_service_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_service_revenue:downside/label | None | Transaction and service revenue |
| /operating_model/cells/downside_2027q4_service_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_service_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_service_revenue:downside/value | None | 778.5 |
| /operating_model/cells/downside_2027q4_service_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_service_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_service_yield:downside/id | None | downside_2027q4_service_yield |
| /operating_model/cells/downside_2027q4_service_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_service_yield:downside/label | None | Mixed transaction/service realization |
| /operating_model/cells/downside_2027q4_service_yield:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_service_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_service_yield:downside/value | None | 0.01789655172413793 |
| /operating_model/cells/downside_2027q4_tmd:downside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/downside_2027q4_tmd:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_tmd:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_tmd:downside/formula/refs/0 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_tmd:downside/formula/refs/1 | None | downside_2027q4_transaction_cost |
| /operating_model/cells/downside_2027q4_tmd:downside/id | None | downside_2027q4_tmd |
| /operating_model/cells/downside_2027q4_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_tmd:downside/label | None | Transaction margin dollars |
| /operating_model/cells/downside_2027q4_tmd:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_tmd:downside/value | None | 404.9999999999999 |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/formula/refs/0 | None | downside_2027q4_raw_transaction_cost |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/formula/refs/1 | None | downside_2027q4_accounting_reductions |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/id | None | downside_2027q4_transaction_cost |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/label | None | Reported transaction costs |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_transaction_cost:downside/value | None | 785.0000000000001 |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/id | None | downside_2027q4_treasury_deployment |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/label | None | Net treasury investment cash |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_treasury_deployment:downside/value | None | 50.0 |
| /operating_model/cells/downside_fy2026_adj_operating:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_adj_operating:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_adj_operating:downside/formula/refs/0 | None | h1_adj_operating |
| /operating_model/cells/downside_fy2026_adj_operating:downside/formula/refs/1 | None | downside_2026q3_adj_operating |
| /operating_model/cells/downside_fy2026_adj_operating:downside/formula/refs/2 | None | downside_2026q4_adj_operating |
| /operating_model/cells/downside_fy2026_adj_operating:downside/id | None | downside_fy2026_adj_operating |
| /operating_model/cells/downside_fy2026_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_adj_operating:downside/label | None | Adjusted operating income ($M) |
| /operating_model/cells/downside_fy2026_adj_operating:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_adj_operating:downside/value | None | 109.0 |
| /operating_model/cells/downside_fy2026_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/0 | None | h1_capex |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/1 | None | downside_2026q3_capex |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/2 | None | downside_2026q4_capex |
| /operating_model/cells/downside_fy2026_capex:downside/id | None | downside_fy2026_capex |
| /operating_model/cells/downside_fy2026_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_capex:downside/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/downside_fy2026_capex:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_capex:downside/value | None | 37.0 |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/formula/refs/0 | None | h1_cash_after_capex |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/formula/refs/1 | None | downside_2026q3_cash_after_capex |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/formula/refs/2 | None | downside_2026q4_cash_after_capex |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/id | None | downside_fy2026_cash_after_capex |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cash_after_capex:downside/value | None | -2356.0 |
| /operating_model/cells/downside_fy2026_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/1 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/2 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/id | None | downside_fy2026_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cfo:downside/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/downside_fy2026_cfo:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cfo:downside/value | None | -2300.0 |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/formula/refs/0 | None | h1_deposit_flow |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/formula/refs/1 | None | downside_2026q3_deposit_flow |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/formula/refs/2 | None | downside_2026q4_deposit_flow |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/id | None | downside_fy2026_deposit_flow |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_deposit_flow:downside/value | None | -1204.0 |
| /operating_model/cells/downside_fy2026_lease_principal:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_lease_principal:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_lease_principal:downside/formula/refs/0 | None | h1_lease_principal |
| /operating_model/cells/downside_fy2026_lease_principal:downside/formula/refs/1 | None | downside_2026q3_lease_principal |
| /operating_model/cells/downside_fy2026_lease_principal:downside/formula/refs/2 | None | downside_2026q4_lease_principal |
| /operating_model/cells/downside_fy2026_lease_principal:downside/id | None | downside_fy2026_lease_principal |
| /operating_model/cells/downside_fy2026_lease_principal:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_lease_principal:downside/label | None | Lease principal cash ($M) |
| /operating_model/cells/downside_fy2026_lease_principal:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_lease_principal:downside/value | None | 19.0 |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/formula/refs/0 | None | h1_loan_deployment |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/formula/refs/1 | None | downside_2026q3_loan_deployment |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/formula/refs/2 | None | downside_2026q4_loan_deployment |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/id | None | downside_fy2026_loan_deployment |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_loan_deployment:downside/value | None | 574.0 |
| /operating_model/cells/downside_fy2026_operating_income:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/1 | None | downside_2026q3_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/2 | None | downside_2026q4_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/id | None | downside_fy2026_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_operating_income:downside/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/downside_fy2026_operating_income:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_operating_income:downside/value | None | -207.0 |
| /operating_model/cells/downside_fy2026_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/1 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/2 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/id | None | downside_fy2026_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_revenue:downside/label | None | IFRS total revenue ($M) |
| /operating_model/cells/downside_fy2026_revenue:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_revenue:downside/value | None | 3974.0 |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/formula/refs/0 | None | h1_senior_deployment |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/formula/refs/1 | None | downside_2026q3_senior_deployment |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/formula/refs/2 | None | downside_2026q4_senior_deployment |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/id | None | downside_fy2026_senior_deployment |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_senior_deployment:downside/value | None | 895.0 |
| /operating_model/cells/downside_fy2026_tmd:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_tmd:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_tmd:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_tmd:downside/formula/refs/0 | None | h1_tmd |
| /operating_model/cells/downside_fy2026_tmd:downside/formula/refs/1 | None | downside_2026q3_tmd |
| /operating_model/cells/downside_fy2026_tmd:downside/formula/refs/2 | None | downside_2026q4_tmd |
| /operating_model/cells/downside_fy2026_tmd:downside/id | None | downside_fy2026_tmd |
| /operating_model/cells/downside_fy2026_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_tmd:downside/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/downside_fy2026_tmd:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_tmd:downside/value | None | 1465.0 |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/formula/refs/0 | None | h1_treasury_deployment |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/formula/refs/1 | None | downside_2026q3_treasury_deployment |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/formula/refs/2 | None | downside_2026q4_treasury_deployment |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/id | None | downside_fy2026_treasury_deployment |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_treasury_deployment:downside/value | None | 1042.0 |
| /operating_model/cells/downside_fy2027_adj_operating:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_adj_operating:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_adj_operating:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_adj_operating:downside/formula/refs/0 | None | downside_2027q1_adj_operating |
| /operating_model/cells/downside_fy2027_adj_operating:downside/formula/refs/1 | None | downside_2027q2_adj_operating |
| /operating_model/cells/downside_fy2027_adj_operating:downside/formula/refs/2 | None | downside_2027q3_adj_operating |
| /operating_model/cells/downside_fy2027_adj_operating:downside/formula/refs/3 | None | downside_2027q4_adj_operating |
| /operating_model/cells/downside_fy2027_adj_operating:downside/id | None | downside_fy2027_adj_operating |
| /operating_model/cells/downside_fy2027_adj_operating:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_adj_operating:downside/label | None | Adjusted operating income ($M) |
| /operating_model/cells/downside_fy2027_adj_operating:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_adj_operating:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_adj_operating:downside/value | None | -105.00000000000011 |
| /operating_model/cells/downside_fy2027_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/0 | None | downside_2027q1_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/1 | None | downside_2027q2_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/2 | None | downside_2027q3_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/3 | None | downside_2027q4_capex |
| /operating_model/cells/downside_fy2027_capex:downside/id | None | downside_fy2027_capex |
| /operating_model/cells/downside_fy2027_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_capex:downside/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/downside_fy2027_capex:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_capex:downside/value | None | 54.0 |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/formula/refs/0 | None | downside_2027q1_cash_after_capex |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/formula/refs/1 | None | downside_2027q2_cash_after_capex |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/formula/refs/2 | None | downside_2027q3_cash_after_capex |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/formula/refs/3 | None | downside_2027q4_cash_after_capex |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/id | None | downside_fy2027_cash_after_capex |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cash_after_capex:downside/value | None | -1733.0 |
| /operating_model/cells/downside_fy2027_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/1 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/2 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/3 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/id | None | downside_fy2027_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cfo:downside/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/downside_fy2027_cfo:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cfo:downside/value | None | -1659.0 |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/formula/refs/0 | None | downside_2027q1_deposit_flow |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/formula/refs/1 | None | downside_2027q2_deposit_flow |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/formula/refs/2 | None | downside_2027q3_deposit_flow |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/formula/refs/3 | None | downside_2027q4_deposit_flow |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/id | None | downside_fy2027_deposit_flow |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_deposit_flow:downside/value | None | -300.0 |
| /operating_model/cells/downside_fy2027_lease_principal:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_lease_principal:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_lease_principal:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_lease_principal:downside/formula/refs/0 | None | downside_2027q1_lease_principal |
| /operating_model/cells/downside_fy2027_lease_principal:downside/formula/refs/1 | None | downside_2027q2_lease_principal |
| /operating_model/cells/downside_fy2027_lease_principal:downside/formula/refs/2 | None | downside_2027q3_lease_principal |
| /operating_model/cells/downside_fy2027_lease_principal:downside/formula/refs/3 | None | downside_2027q4_lease_principal |
| /operating_model/cells/downside_fy2027_lease_principal:downside/id | None | downside_fy2027_lease_principal |
| /operating_model/cells/downside_fy2027_lease_principal:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_lease_principal:downside/label | None | Lease principal cash ($M) |
| /operating_model/cells/downside_fy2027_lease_principal:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_lease_principal:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_lease_principal:downside/value | None | 20.0 |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/formula/refs/0 | None | downside_2027q1_loan_deployment |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/formula/refs/1 | None | downside_2027q2_loan_deployment |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/formula/refs/2 | None | downside_2027q3_loan_deployment |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/formula/refs/3 | None | downside_2027q4_loan_deployment |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/id | None | downside_fy2027_loan_deployment |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_loan_deployment:downside/value | None | 1000.0 |
| /operating_model/cells/downside_fy2027_operating_income:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/0 | None | downside_2027q1_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/1 | None | downside_2027q2_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/2 | None | downside_2027q3_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/3 | None | downside_2027q4_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/id | None | downside_fy2027_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_operating_income:downside/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/downside_fy2027_operating_income:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_operating_income:downside/value | None | -467.0000000000001 |
| /operating_model/cells/downside_fy2027_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/1 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/2 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/3 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/id | None | downside_fy2027_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_revenue:downside/label | None | IFRS total revenue ($M) |
| /operating_model/cells/downside_fy2027_revenue:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_revenue:downside/value | None | 4240.0 |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/formula/refs/0 | None | downside_2027q1_senior_deployment |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/formula/refs/1 | None | downside_2027q2_senior_deployment |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/formula/refs/2 | None | downside_2027q3_senior_deployment |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/formula/refs/3 | None | downside_2027q4_senior_deployment |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/id | None | downside_fy2027_senior_deployment |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_senior_deployment:downside/value | None | 840.0 |
| /operating_model/cells/downside_fy2027_tmd:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_tmd:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_tmd:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_tmd:downside/formula/refs/0 | None | downside_2027q1_tmd |
| /operating_model/cells/downside_fy2027_tmd:downside/formula/refs/1 | None | downside_2027q2_tmd |
| /operating_model/cells/downside_fy2027_tmd:downside/formula/refs/2 | None | downside_2027q3_tmd |
| /operating_model/cells/downside_fy2027_tmd:downside/formula/refs/3 | None | downside_2027q4_tmd |
| /operating_model/cells/downside_fy2027_tmd:downside/id | None | downside_fy2027_tmd |
| /operating_model/cells/downside_fy2027_tmd:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_tmd:downside/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/downside_fy2027_tmd:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_tmd:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_tmd:downside/value | None | 1395.0 |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/formula/refs/0 | None | downside_2027q1_treasury_deployment |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/formula/refs/1 | None | downside_2027q2_treasury_deployment |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/formula/refs/2 | None | downside_2027q3_treasury_deployment |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/formula/refs/3 | None | downside_2027q4_treasury_deployment |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/id | None | downside_fy2027_treasury_deployment |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_treasury_deployment:downside/value | None | 200.0 |
| /operating_model/cells/fvoci_receivables:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/fvoci_receivables:shared/case | None | shared |
| /operating_model/cells/fvoci_receivables:shared/id | None | fvoci_receivables |
| /operating_model/cells/fvoci_receivables:shared/kind | None | reported |
| /operating_model/cells/fvoci_receivables:shared/label | None | fvoci receivables |
| /operating_model/cells/fvoci_receivables:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/fvoci_receivables:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fvoci_receivables:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/fvoci_receivables:shared/unit | None | USD_millions |
| /operating_model/cells/fvoci_receivables:shared/value | None | 718.0 |
| /operating_model/cells/fvtpl_receivables:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/fvtpl_receivables:shared/case | None | shared |
| /operating_model/cells/fvtpl_receivables:shared/id | None | fvtpl_receivables |
| /operating_model/cells/fvtpl_receivables:shared/kind | None | reported |
| /operating_model/cells/fvtpl_receivables:shared/label | None | fvtpl receivables |
| /operating_model/cells/fvtpl_receivables:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/fvtpl_receivables:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fvtpl_receivables:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/fvtpl_receivables:shared/unit | None | USD_millions |
| /operating_model/cells/fvtpl_receivables:shared/value | None | 204.0 |
| /operating_model/cells/fy25_tmd:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/fy25_tmd:shared/case | None | shared |
| /operating_model/cells/fy25_tmd:shared/id | None | fy25_tmd |
| /operating_model/cells/fy25_tmd:shared/kind | None | reported |
| /operating_model/cells/fy25_tmd:shared/label | None | fy25 tmd |
| /operating_model/cells/fy25_tmd:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/fy25_tmd:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fy25_tmd:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /operating_model/cells/fy25_tmd:shared/unit | None | USD_millions |
| /operating_model/cells/fy25_tmd:shared/value | None | 1238.0 |
| /operating_model/cells/fy26_adj_op:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/fy26_adj_op:shared/case | None | shared |
| /operating_model/cells/fy26_adj_op:shared/formula/op | None | divide |
| /operating_model/cells/fy26_adj_op:shared/formula/refs/0 | None | fy26_adj_op_sum |
| /operating_model/cells/fy26_adj_op:shared/formula/refs/1 | None | two |
| /operating_model/cells/fy26_adj_op:shared/id | None | fy26_adj_op |
| /operating_model/cells/fy26_adj_op:shared/kind | None | derived |
| /operating_model/cells/fy26_adj_op:shared/label | None | FY2026 adjusted operating income midpoint |
| /operating_model/cells/fy26_adj_op:shared/period | None | FY2026 |
| /operating_model/cells/fy26_adj_op:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_adj_op:shared/value | None | 290.0 |
| /operating_model/cells/fy26_adj_op_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_adj_op_high:shared/case | None | shared |
| /operating_model/cells/fy26_adj_op_high:shared/id | None | fy26_adj_op_high |
| /operating_model/cells/fy26_adj_op_high:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_adj_op_high:shared/label | None | FY2026 adjusted operating income high |
| /operating_model/cells/fy26_adj_op_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_adj_op_high:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fy26_adj_op_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/fy26_adj_op_high:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_adj_op_high:shared/value | None | 300.0 |
| /operating_model/cells/fy26_adj_op_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_adj_op_low:shared/case | None | shared |
| /operating_model/cells/fy26_adj_op_low:shared/id | None | fy26_adj_op_low |
| /operating_model/cells/fy26_adj_op_low:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_adj_op_low:shared/label | None | FY2026 adjusted operating income low |
| /operating_model/cells/fy26_adj_op_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_adj_op_low:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fy26_adj_op_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/fy26_adj_op_low:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_adj_op_low:shared/value | None | 280.0 |
| /operating_model/cells/fy26_adj_op_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/fy26_adj_op_sum:shared/case | None | shared |
| /operating_model/cells/fy26_adj_op_sum:shared/formula/op | None | sum |
| /operating_model/cells/fy26_adj_op_sum:shared/formula/refs/0 | None | fy26_adj_op_low |
| /operating_model/cells/fy26_adj_op_sum:shared/formula/refs/1 | None | fy26_adj_op_high |
| /operating_model/cells/fy26_adj_op_sum:shared/id | None | fy26_adj_op_sum |
| /operating_model/cells/fy26_adj_op_sum:shared/kind | None | derived |
| /operating_model/cells/fy26_adj_op_sum:shared/label | None | FY2026 adjusted operating income endpoint sum |
| /operating_model/cells/fy26_adj_op_sum:shared/period | None | FY2026 |
| /operating_model/cells/fy26_adj_op_sum:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_adj_op_sum:shared/value | None | 580.0 |
| /operating_model/cells/fy26_revenue:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/fy26_revenue:shared/case | None | shared |
| /operating_model/cells/fy26_revenue:shared/formula/op | None | divide |
| /operating_model/cells/fy26_revenue:shared/formula/refs/0 | None | fy26_revenue_sum |
| /operating_model/cells/fy26_revenue:shared/formula/refs/1 | None | two |
| /operating_model/cells/fy26_revenue:shared/id | None | fy26_revenue |
| /operating_model/cells/fy26_revenue:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue:shared/label | None | FY2026 revenue midpoint |
| /operating_model/cells/fy26_revenue:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue:shared/value | None | 4120.0 |
| /operating_model/cells/fy26_revenue_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_revenue_high:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_high:shared/id | None | fy26_revenue_high |
| /operating_model/cells/fy26_revenue_high:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_revenue_high:shared/label | None | FY2026 revenue high |
| /operating_model/cells/fy26_revenue_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_high:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fy26_revenue_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/fy26_revenue_high:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_high:shared/value | None | 4160.0 |
| /operating_model/cells/fy26_revenue_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_revenue_low:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_low:shared/id | None | fy26_revenue_low |
| /operating_model/cells/fy26_revenue_low:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_revenue_low:shared/label | None | FY2026 revenue low |
| /operating_model/cells/fy26_revenue_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_low:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/fy26_revenue_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/fy26_revenue_low:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_low:shared/value | None | 4080.0 |
| /operating_model/cells/fy26_revenue_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/fy26_revenue_sum:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_sum:shared/formula/op | None | sum |
| /operating_model/cells/fy26_revenue_sum:shared/formula/refs/0 | None | fy26_revenue_low |
| /operating_model/cells/fy26_revenue_sum:shared/formula/refs/1 | None | fy26_revenue_high |
| /operating_model/cells/fy26_revenue_sum:shared/id | None | fy26_revenue_sum |
| /operating_model/cells/fy26_revenue_sum:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue_sum:shared/label | None | FY2026 revenue endpoint sum |
| /operating_model/cells/fy26_revenue_sum:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_sum:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_sum:shared/value | None | 8240.0 |
| /operating_model/cells/h1_adj_operating:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_adj_operating:shared/case | None | shared |
| /operating_model/cells/h1_adj_operating:shared/id | None | h1_adj_operating |
| /operating_model/cells/h1_adj_operating:shared/kind | None | reported |
| /operating_model/cells/h1_adj_operating:shared/label | None | H1 adj operating |
| /operating_model/cells/h1_adj_operating:shared/period | None | H1 2026 |
| /operating_model/cells/h1_adj_operating:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_adj_operating:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/h1_adj_operating:shared/unit | None | USD_millions |
| /operating_model/cells/h1_adj_operating:shared/value | None | 159.0 |
| /operating_model/cells/h1_adjusted_da:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_adjusted_da:shared/case | None | shared |
| /operating_model/cells/h1_adjusted_da:shared/id | None | h1_adjusted_da |
| /operating_model/cells/h1_adjusted_da:shared/kind | None | reported |
| /operating_model/cells/h1_adjusted_da:shared/label | None | H1 adjusted da |
| /operating_model/cells/h1_adjusted_da:shared/period | None | H1 2026 |
| /operating_model/cells/h1_adjusted_da:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_adjusted_da:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/h1_adjusted_da:shared/unit | None | USD_millions |
| /operating_model/cells/h1_adjusted_da:shared/value | None | 47.0 |
| /operating_model/cells/h1_adjustments:shared/basis | None | Uses adjusted reconciliation D&A, not cash-flow D&A. |
| /operating_model/cells/h1_adjustments:shared/case | None | shared |
| /operating_model/cells/h1_adjustments:shared/formula/op | None | sum |
| /operating_model/cells/h1_adjustments:shared/formula/refs/0 | None | h1_sbc |
| /operating_model/cells/h1_adjustments:shared/formula/refs/1 | None | h1_adjusted_da |
| /operating_model/cells/h1_adjustments:shared/formula/refs/2 | None | h1_restructuring |
| /operating_model/cells/h1_adjustments:shared/id | None | h1_adjustments |
| /operating_model/cells/h1_adjustments:shared/kind | None | derived |
| /operating_model/cells/h1_adjustments:shared/label | None | H1 adjusted-income exclusions |
| /operating_model/cells/h1_adjustments:shared/period | None | H1 2026 |
| /operating_model/cells/h1_adjustments:shared/unit | None | USD_millions |
| /operating_model/cells/h1_adjustments:shared/value | None | 116.0 |
| /operating_model/cells/h1_capex:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_capex:shared/case | None | shared |
| /operating_model/cells/h1_capex:shared/id | None | h1_capex |
| /operating_model/cells/h1_capex:shared/kind | None | reported |
| /operating_model/cells/h1_capex:shared/label | None | H1 capex |
| /operating_model/cells/h1_capex:shared/period | None | H1 2026 |
| /operating_model/cells/h1_capex:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_capex:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_capex:shared/unit | None | USD_millions |
| /operating_model/cells/h1_capex:shared/value | None | 16.0 |
| /operating_model/cells/h1_capital_cash:shared/basis | None | Lease principal is financing cash under IFRS. |
| /operating_model/cells/h1_capital_cash:shared/case | None | shared |
| /operating_model/cells/h1_capital_cash:shared/formula/op | None | sum |
| /operating_model/cells/h1_capital_cash:shared/formula/refs/0 | None | h1_capex |
| /operating_model/cells/h1_capital_cash:shared/formula/refs/1 | None | h1_lease_principal |
| /operating_model/cells/h1_capital_cash:shared/id | None | h1_capital_cash |
| /operating_model/cells/h1_capital_cash:shared/kind | None | derived |
| /operating_model/cells/h1_capital_cash:shared/label | None | H1 capex and lease cash |
| /operating_model/cells/h1_capital_cash:shared/period | None | H1 2026 |
| /operating_model/cells/h1_capital_cash:shared/unit | None | USD_millions |
| /operating_model/cells/h1_capital_cash:shared/value | None | 25.0 |
| /operating_model/cells/h1_cash_after_capex:shared/basis | None | Not bank regulatory dividend capacity. |
| /operating_model/cells/h1_cash_after_capex:shared/case | None | shared |
| /operating_model/cells/h1_cash_after_capex:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_after_capex:shared/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/h1_cash_after_capex:shared/formula/refs/1 | None | h1_capital_cash |
| /operating_model/cells/h1_cash_after_capex:shared/id | None | h1_cash_after_capex |
| /operating_model/cells/h1_cash_after_capex:shared/kind | None | derived |
| /operating_model/cells/h1_cash_after_capex:shared/label | None | H1 bank CFO after capex and lease principal |
| /operating_model/cells/h1_cash_after_capex:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_after_capex:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_after_capex:shared/value | None | -1238.0 |
| /operating_model/cells/h1_cash_before_balances:shared/basis | None | Analytical comparison; includes all other cash/accrual/settlement effects, not normalized earnings. |
| /operating_model/cells/h1_cash_before_balances:shared/case | None | shared |
| /operating_model/cells/h1_cash_before_balances:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_before_balances:shared/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/h1_cash_before_balances:shared/formula/refs/1 | None | h1_selected_balance_flows |
| /operating_model/cells/h1_cash_before_balances:shared/id | None | h1_cash_before_balances |
| /operating_model/cells/h1_cash_before_balances:shared/kind | None | derived |
| /operating_model/cells/h1_cash_before_balances:shared/label | None | H1 CFO excluding selected balance-sheet flows |
| /operating_model/cells/h1_cash_before_balances:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_before_balances:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_before_balances:shared/value | None | 1031.0 |
| /operating_model/cells/h1_cashflow_credit_provision:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_cashflow_credit_provision:shared/case | None | shared |
| /operating_model/cells/h1_cashflow_credit_provision:shared/id | None | h1_cashflow_credit_provision |
| /operating_model/cells/h1_cashflow_credit_provision:shared/kind | None | reported |
| /operating_model/cells/h1_cashflow_credit_provision:shared/label | None | H1 cashflow credit provision |
| /operating_model/cells/h1_cashflow_credit_provision:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cashflow_credit_provision:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_cashflow_credit_provision:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_cashflow_credit_provision:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cashflow_credit_provision:shared/value | None | 492.0 |
| /operating_model/cells/h1_cashflow_da:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_cashflow_da:shared/case | None | shared |
| /operating_model/cells/h1_cashflow_da:shared/id | None | h1_cashflow_da |
| /operating_model/cells/h1_cashflow_da:shared/kind | None | reported |
| /operating_model/cells/h1_cashflow_da:shared/label | None | H1 cashflow da |
| /operating_model/cells/h1_cashflow_da:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cashflow_da:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_cashflow_da:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_cashflow_da:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cashflow_da:shared/value | None | 44.0 |
| /operating_model/cells/h1_cfo:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_cfo:shared/case | None | shared |
| /operating_model/cells/h1_cfo:shared/id | None | h1_cfo |
| /operating_model/cells/h1_cfo:shared/kind | None | reported |
| /operating_model/cells/h1_cfo:shared/label | None | H1 cfo |
| /operating_model/cells/h1_cfo:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cfo:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_cfo:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_cfo:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cfo:shared/value | None | -1213.0 |
| /operating_model/cells/h1_credit_expense:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_credit_expense:shared/case | None | shared |
| /operating_model/cells/h1_credit_expense:shared/id | None | h1_credit_expense |
| /operating_model/cells/h1_credit_expense:shared/kind | None | reported |
| /operating_model/cells/h1_credit_expense:shared/label | None | H1 credit expense |
| /operating_model/cells/h1_credit_expense:shared/period | None | H1 2026 |
| /operating_model/cells/h1_credit_expense:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_credit_expense:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_credit_expense:shared/unit | None | USD_millions |
| /operating_model/cells/h1_credit_expense:shared/value | None | 378.0 |
| /operating_model/cells/h1_deposit_flow:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_deposit_flow:shared/case | None | shared |
| /operating_model/cells/h1_deposit_flow:shared/id | None | h1_deposit_flow |
| /operating_model/cells/h1_deposit_flow:shared/kind | None | reported |
| /operating_model/cells/h1_deposit_flow:shared/label | None | H1 deposit flow |
| /operating_model/cells/h1_deposit_flow:shared/period | None | H1 2026 |
| /operating_model/cells/h1_deposit_flow:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_deposit_flow:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_deposit_flow:shared/unit | None | USD_millions |
| /operating_model/cells/h1_deposit_flow:shared/value | None | -604.0 |
| /operating_model/cells/h1_funding_fv:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_funding_fv:shared/case | None | shared |
| /operating_model/cells/h1_funding_fv:shared/id | None | h1_funding_fv |
| /operating_model/cells/h1_funding_fv:shared/kind | None | reported |
| /operating_model/cells/h1_funding_fv:shared/label | None | H1 funding fv |
| /operating_model/cells/h1_funding_fv:shared/period | None | H1 2026 |
| /operating_model/cells/h1_funding_fv:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_funding_fv:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_funding_fv:shared/unit | None | USD_millions |
| /operating_model/cells/h1_funding_fv:shared/value | None | 96.0 |
| /operating_model/cells/h1_gaap_before_rounding:shared/basis | None | Reported tables are rounded to USD millions. |
| /operating_model/cells/h1_gaap_before_rounding:shared/case | None | shared |
| /operating_model/cells/h1_gaap_before_rounding:shared/formula/op | None | subtract |
| /operating_model/cells/h1_gaap_before_rounding:shared/formula/refs/0 | None | h1_adj_operating |
| /operating_model/cells/h1_gaap_before_rounding:shared/formula/refs/1 | None | h1_adjustments |
| /operating_model/cells/h1_gaap_before_rounding:shared/id | None | h1_gaap_before_rounding |
| /operating_model/cells/h1_gaap_before_rounding:shared/kind | None | derived |
| /operating_model/cells/h1_gaap_before_rounding:shared/label | None | H1 IFRS bridge before rounding residual |
| /operating_model/cells/h1_gaap_before_rounding:shared/period | None | H1 2026 |
| /operating_model/cells/h1_gaap_before_rounding:shared/unit | None | USD_millions |
| /operating_model/cells/h1_gaap_before_rounding:shared/value | None | 43.0 |
| /operating_model/cells/h1_gmv:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_gmv:shared/case | None | shared |
| /operating_model/cells/h1_gmv:shared/id | None | h1_gmv |
| /operating_model/cells/h1_gmv:shared/kind | None | reported |
| /operating_model/cells/h1_gmv:shared/label | None | H1 gmv |
| /operating_model/cells/h1_gmv:shared/period | None | H1 2026 |
| /operating_model/cells/h1_gmv:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_gmv:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/h1_gmv:shared/unit | None | USD_millions |
| /operating_model/cells/h1_gmv:shared/value | None | 70339.0 |
| /operating_model/cells/h1_lease_principal:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_lease_principal:shared/case | None | shared |
| /operating_model/cells/h1_lease_principal:shared/id | None | h1_lease_principal |
| /operating_model/cells/h1_lease_principal:shared/kind | None | reported |
| /operating_model/cells/h1_lease_principal:shared/label | None | H1 lease principal |
| /operating_model/cells/h1_lease_principal:shared/period | None | H1 2026 |
| /operating_model/cells/h1_lease_principal:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_lease_principal:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_lease_principal:shared/unit | None | USD_millions |
| /operating_model/cells/h1_lease_principal:shared/value | None | 9.0 |
| /operating_model/cells/h1_loan_deployment:shared/basis | None | USD millions; figures rounded. H1 loan deployment = 315 FVOCI use less 194 FVTPL inflow and 47 amortized-cost inflow. |
| /operating_model/cells/h1_loan_deployment:shared/case | None | shared |
| /operating_model/cells/h1_loan_deployment:shared/id | None | h1_loan_deployment |
| /operating_model/cells/h1_loan_deployment:shared/kind | None | reported |
| /operating_model/cells/h1_loan_deployment:shared/label | None | H1 loan deployment |
| /operating_model/cells/h1_loan_deployment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_loan_deployment:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_loan_deployment:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_loan_deployment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_loan_deployment:shared/value | None | 74.0 |
| /operating_model/cells/h1_loan_sale_gain:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_loan_sale_gain:shared/case | None | shared |
| /operating_model/cells/h1_loan_sale_gain:shared/id | None | h1_loan_sale_gain |
| /operating_model/cells/h1_loan_sale_gain:shared/kind | None | reported |
| /operating_model/cells/h1_loan_sale_gain:shared/label | None | H1 loan sale gain |
| /operating_model/cells/h1_loan_sale_gain:shared/period | None | H1 2026 |
| /operating_model/cells/h1_loan_sale_gain:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_loan_sale_gain:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_loan_sale_gain:shared/unit | None | USD_millions |
| /operating_model/cells/h1_loan_sale_gain:shared/value | None | 126.0 |
| /operating_model/cells/h1_operating_income:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_operating_income:shared/case | None | shared |
| /operating_model/cells/h1_operating_income:shared/id | None | h1_operating_income |
| /operating_model/cells/h1_operating_income:shared/kind | None | reported |
| /operating_model/cells/h1_operating_income:shared/label | None | H1 operating income |
| /operating_model/cells/h1_operating_income:shared/period | None | H1 2026 |
| /operating_model/cells/h1_operating_income:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_operating_income:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_operating_income:shared/unit | None | USD_millions |
| /operating_model/cells/h1_operating_income:shared/value | None | 44.0 |
| /operating_model/cells/h1_operating_notes_flow:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_operating_notes_flow:shared/case | None | shared |
| /operating_model/cells/h1_operating_notes_flow:shared/id | None | h1_operating_notes_flow |
| /operating_model/cells/h1_operating_notes_flow:shared/kind | None | reported |
| /operating_model/cells/h1_operating_notes_flow:shared/label | None | H1 operating notes flow |
| /operating_model/cells/h1_operating_notes_flow:shared/period | None | H1 2026 |
| /operating_model/cells/h1_operating_notes_flow:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_operating_notes_flow:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_operating_notes_flow:shared/unit | None | USD_millions |
| /operating_model/cells/h1_operating_notes_flow:shared/value | None | 41.0 |
| /operating_model/cells/h1_restructuring:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_restructuring:shared/case | None | shared |
| /operating_model/cells/h1_restructuring:shared/id | None | h1_restructuring |
| /operating_model/cells/h1_restructuring:shared/kind | None | reported |
| /operating_model/cells/h1_restructuring:shared/label | None | H1 restructuring |
| /operating_model/cells/h1_restructuring:shared/period | None | H1 2026 |
| /operating_model/cells/h1_restructuring:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_restructuring:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/h1_restructuring:shared/unit | None | USD_millions |
| /operating_model/cells/h1_restructuring:shared/value | None | 2.0 |
| /operating_model/cells/h1_revenue:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_revenue:shared/case | None | shared |
| /operating_model/cells/h1_revenue:shared/id | None | h1_revenue |
| /operating_model/cells/h1_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_revenue:shared/label | None | H1 revenue |
| /operating_model/cells/h1_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_revenue:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_revenue:shared/value | None | 2054.0 |
| /operating_model/cells/h1_rounding_residual:shared/basis | None | Explicit $1M residual from rounded statement/reconciliation amounts. |
| /operating_model/cells/h1_rounding_residual:shared/case | None | shared |
| /operating_model/cells/h1_rounding_residual:shared/formula/op | None | subtract |
| /operating_model/cells/h1_rounding_residual:shared/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/h1_rounding_residual:shared/formula/refs/1 | None | h1_gaap_before_rounding |
| /operating_model/cells/h1_rounding_residual:shared/id | None | h1_rounding_residual |
| /operating_model/cells/h1_rounding_residual:shared/kind | None | derived |
| /operating_model/cells/h1_rounding_residual:shared/label | None | H1 rounded-table reconciliation difference |
| /operating_model/cells/h1_rounding_residual:shared/period | None | H1 2026 |
| /operating_model/cells/h1_rounding_residual:shared/unit | None | USD_millions |
| /operating_model/cells/h1_rounding_residual:shared/value | None | 1.0 |
| /operating_model/cells/h1_sbc:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_sbc:shared/case | None | shared |
| /operating_model/cells/h1_sbc:shared/id | None | h1_sbc |
| /operating_model/cells/h1_sbc:shared/kind | None | reported |
| /operating_model/cells/h1_sbc:shared/label | None | H1 sbc |
| /operating_model/cells/h1_sbc:shared/period | None | H1 2026 |
| /operating_model/cells/h1_sbc:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_sbc:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_sbc:shared/unit | None | USD_millions |
| /operating_model/cells/h1_sbc:shared/value | None | 67.0 |
| /operating_model/cells/h1_selected_balance_flows:shared/basis | None | Isolates named cash-flow lines only. |
| /operating_model/cells/h1_selected_balance_flows:shared/case | None | shared |
| /operating_model/cells/h1_selected_balance_flows:shared/formula/op | None | subtract |
| /operating_model/cells/h1_selected_balance_flows:shared/formula/refs/0 | None | h1_selected_funding |
| /operating_model/cells/h1_selected_balance_flows:shared/formula/refs/1 | None | h1_selected_deployment |
| /operating_model/cells/h1_selected_balance_flows:shared/id | None | h1_selected_balance_flows |
| /operating_model/cells/h1_selected_balance_flows:shared/kind | None | derived |
| /operating_model/cells/h1_selected_balance_flows:shared/label | None | H1 selected bank balance cash flows |
| /operating_model/cells/h1_selected_balance_flows:shared/period | None | H1 2026 |
| /operating_model/cells/h1_selected_balance_flows:shared/unit | None | USD_millions |
| /operating_model/cells/h1_selected_balance_flows:shared/value | None | -2244.0 |
| /operating_model/cells/h1_selected_deployment:shared/basis | None | Operating cash classification in furnished bank statements. |
| /operating_model/cells/h1_selected_deployment:shared/case | None | shared |
| /operating_model/cells/h1_selected_deployment:shared/formula/op | None | sum |
| /operating_model/cells/h1_selected_deployment:shared/formula/refs/0 | None | h1_loan_deployment |
| /operating_model/cells/h1_selected_deployment:shared/formula/refs/1 | None | h1_senior_deployment |
| /operating_model/cells/h1_selected_deployment:shared/formula/refs/2 | None | h1_treasury_deployment |
| /operating_model/cells/h1_selected_deployment:shared/id | None | h1_selected_deployment |
| /operating_model/cells/h1_selected_deployment:shared/kind | None | derived |
| /operating_model/cells/h1_selected_deployment:shared/label | None | Loan senior and treasury cash deployment |
| /operating_model/cells/h1_selected_deployment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_selected_deployment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_selected_deployment:shared/value | None | 1681.0 |
| /operating_model/cells/h1_selected_funding:shared/basis | None | Deposits are liabilities, not revenue. |
| /operating_model/cells/h1_selected_funding:shared/case | None | shared |
| /operating_model/cells/h1_selected_funding:shared/formula/op | None | sum |
| /operating_model/cells/h1_selected_funding:shared/formula/refs/0 | None | h1_deposit_flow |
| /operating_model/cells/h1_selected_funding:shared/formula/refs/1 | None | h1_operating_notes_flow |
| /operating_model/cells/h1_selected_funding:shared/id | None | h1_selected_funding |
| /operating_model/cells/h1_selected_funding:shared/kind | None | derived |
| /operating_model/cells/h1_selected_funding:shared/label | None | Deposits and operating notes flow |
| /operating_model/cells/h1_selected_funding:shared/period | None | H1 2026 |
| /operating_model/cells/h1_selected_funding:shared/unit | None | USD_millions |
| /operating_model/cells/h1_selected_funding:shared/value | None | -563.0 |
| /operating_model/cells/h1_senior_deployment:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_senior_deployment:shared/case | None | shared |
| /operating_model/cells/h1_senior_deployment:shared/id | None | h1_senior_deployment |
| /operating_model/cells/h1_senior_deployment:shared/kind | None | reported |
| /operating_model/cells/h1_senior_deployment:shared/label | None | H1 senior deployment |
| /operating_model/cells/h1_senior_deployment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_senior_deployment:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_senior_deployment:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_senior_deployment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_senior_deployment:shared/value | None | 565.0 |
| /operating_model/cells/h1_tmd:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_tmd:shared/case | None | shared |
| /operating_model/cells/h1_tmd:shared/id | None | h1_tmd |
| /operating_model/cells/h1_tmd:shared/kind | None | reported |
| /operating_model/cells/h1_tmd:shared/label | None | H1 tmd |
| /operating_model/cells/h1_tmd:shared/period | None | H1 2026 |
| /operating_model/cells/h1_tmd:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_tmd:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/h1_tmd:shared/unit | None | USD_millions |
| /operating_model/cells/h1_tmd:shared/value | None | 835.0 |
| /operating_model/cells/h1_treasury_deployment:shared/basis | None | USD millions from IFRS statements and supplementary metrics; rounded amounts may not add exactly. |
| /operating_model/cells/h1_treasury_deployment:shared/case | None | shared |
| /operating_model/cells/h1_treasury_deployment:shared/id | None | h1_treasury_deployment |
| /operating_model/cells/h1_treasury_deployment:shared/kind | None | reported |
| /operating_model/cells/h1_treasury_deployment:shared/label | None | H1 treasury deployment |
| /operating_model/cells/h1_treasury_deployment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_treasury_deployment:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/h1_treasury_deployment:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/h1_treasury_deployment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_treasury_deployment:shared/value | None | 1042.0 |
| /operating_model/cells/merchant_payables:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/merchant_payables:shared/case | None | shared |
| /operating_model/cells/merchant_payables:shared/id | None | merchant_payables |
| /operating_model/cells/merchant_payables:shared/kind | None | reported |
| /operating_model/cells/merchant_payables:shared/label | None | merchant payables |
| /operating_model/cells/merchant_payables:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/merchant_payables:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/merchant_payables:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/merchant_payables:shared/unit | None | USD_millions |
| /operating_model/cells/merchant_payables:shared/value | None | 934.0 |
| /operating_model/cells/notes_and_borrowings:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/notes_and_borrowings:shared/case | None | shared |
| /operating_model/cells/notes_and_borrowings:shared/id | None | notes_and_borrowings |
| /operating_model/cells/notes_and_borrowings:shared/kind | None | reported |
| /operating_model/cells/notes_and_borrowings:shared/label | None | notes and borrowings |
| /operating_model/cells/notes_and_borrowings:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/notes_and_borrowings:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/notes_and_borrowings:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/notes_and_borrowings:shared/unit | None | USD_millions |
| /operating_model/cells/notes_and_borrowings:shared/value | None | 1687.0 |
| /operating_model/cells/q2_gain:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_gain:shared/case | None | shared |
| /operating_model/cells/q2_gain:shared/id | None | q2_gain |
| /operating_model/cells/q2_gain:shared/kind | None | reported |
| /operating_model/cells/q2_gain:shared/label | None | q2 gain |
| /operating_model/cells/q2_gain:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/q2_gain:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q2_gain:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/q2_gain:shared/unit | None | USD_millions |
| /operating_model/cells/q2_gain:shared/value | None | 69.0 |
| /operating_model/cells/q2_gmv:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_gmv:shared/case | None | shared |
| /operating_model/cells/q2_gmv:shared/id | None | q2_gmv |
| /operating_model/cells/q2_gmv:shared/kind | None | reported |
| /operating_model/cells/q2_gmv:shared/label | None | q2 gmv |
| /operating_model/cells/q2_gmv:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/q2_gmv:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q2_gmv:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/q2_gmv:shared/unit | None | USD_millions |
| /operating_model/cells/q2_gmv:shared/value | None | 36648.0 |
| /operating_model/cells/q2_interest:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_interest:shared/case | None | shared |
| /operating_model/cells/q2_interest:shared/id | None | q2_interest |
| /operating_model/cells/q2_interest:shared/kind | None | reported |
| /operating_model/cells/q2_interest:shared/label | None | q2 interest |
| /operating_model/cells/q2_interest:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/q2_interest:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q2_interest:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/q2_interest:shared/unit | None | USD_millions |
| /operating_model/cells/q2_interest:shared/value | None | 266.0 |
| /operating_model/cells/q2_service:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_service:shared/case | None | shared |
| /operating_model/cells/q2_service:shared/id | None | q2_service |
| /operating_model/cells/q2_service:shared/kind | None | reported |
| /operating_model/cells/q2_service:shared/label | None | q2 service |
| /operating_model/cells/q2_service:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/q2_service:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q2_service:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/q2_service:shared/unit | None | USD_millions |
| /operating_model/cells/q2_service:shared/value | None | 707.0 |
| /operating_model/cells/q3_adj_op:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/q3_adj_op:shared/case | None | shared |
| /operating_model/cells/q3_adj_op:shared/formula/op | None | divide |
| /operating_model/cells/q3_adj_op:shared/formula/refs/0 | None | q3_adj_op_sum |
| /operating_model/cells/q3_adj_op:shared/formula/refs/1 | None | two |
| /operating_model/cells/q3_adj_op:shared/id | None | q3_adj_op |
| /operating_model/cells/q3_adj_op:shared/kind | None | derived |
| /operating_model/cells/q3_adj_op:shared/label | None | Q3 adjusted operating income midpoint |
| /operating_model/cells/q3_adj_op:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_adj_op:shared/unit | None | USD_millions |
| /operating_model/cells/q3_adj_op:shared/value | None | 10.0 |
| /operating_model/cells/q3_adj_op_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_adj_op_high:shared/case | None | shared |
| /operating_model/cells/q3_adj_op_high:shared/id | None | q3_adj_op_high |
| /operating_model/cells/q3_adj_op_high:shared/kind | None | management_guidance |
| /operating_model/cells/q3_adj_op_high:shared/label | None | Q3 adjusted operating income high |
| /operating_model/cells/q3_adj_op_high:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_adj_op_high:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q3_adj_op_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/q3_adj_op_high:shared/unit | None | USD_millions |
| /operating_model/cells/q3_adj_op_high:shared/value | None | 15.0 |
| /operating_model/cells/q3_adj_op_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_adj_op_low:shared/case | None | shared |
| /operating_model/cells/q3_adj_op_low:shared/id | None | q3_adj_op_low |
| /operating_model/cells/q3_adj_op_low:shared/kind | None | management_guidance |
| /operating_model/cells/q3_adj_op_low:shared/label | None | Q3 adjusted operating income low |
| /operating_model/cells/q3_adj_op_low:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_adj_op_low:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q3_adj_op_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/q3_adj_op_low:shared/unit | None | USD_millions |
| /operating_model/cells/q3_adj_op_low:shared/value | None | 5.0 |
| /operating_model/cells/q3_adj_op_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/q3_adj_op_sum:shared/case | None | shared |
| /operating_model/cells/q3_adj_op_sum:shared/formula/op | None | sum |
| /operating_model/cells/q3_adj_op_sum:shared/formula/refs/0 | None | q3_adj_op_low |
| /operating_model/cells/q3_adj_op_sum:shared/formula/refs/1 | None | q3_adj_op_high |
| /operating_model/cells/q3_adj_op_sum:shared/id | None | q3_adj_op_sum |
| /operating_model/cells/q3_adj_op_sum:shared/kind | None | derived |
| /operating_model/cells/q3_adj_op_sum:shared/label | None | Q3 adjusted operating income endpoint sum |
| /operating_model/cells/q3_adj_op_sum:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_adj_op_sum:shared/unit | None | USD_millions |
| /operating_model/cells/q3_adj_op_sum:shared/value | None | 20.0 |
| /operating_model/cells/q3_revenue:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/q3_revenue:shared/case | None | shared |
| /operating_model/cells/q3_revenue:shared/formula/op | None | divide |
| /operating_model/cells/q3_revenue:shared/formula/refs/0 | None | q3_revenue_sum |
| /operating_model/cells/q3_revenue:shared/formula/refs/1 | None | two |
| /operating_model/cells/q3_revenue:shared/id | None | q3_revenue |
| /operating_model/cells/q3_revenue:shared/kind | None | derived |
| /operating_model/cells/q3_revenue:shared/label | None | Q3 revenue midpoint |
| /operating_model/cells/q3_revenue:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue:shared/value | None | 960.0 |
| /operating_model/cells/q3_revenue_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_revenue_high:shared/case | None | shared |
| /operating_model/cells/q3_revenue_high:shared/id | None | q3_revenue_high |
| /operating_model/cells/q3_revenue_high:shared/kind | None | management_guidance |
| /operating_model/cells/q3_revenue_high:shared/label | None | Q3 revenue high |
| /operating_model/cells/q3_revenue_high:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_high:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q3_revenue_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/q3_revenue_high:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_high:shared/value | None | 980.0 |
| /operating_model/cells/q3_revenue_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_revenue_low:shared/case | None | shared |
| /operating_model/cells/q3_revenue_low:shared/id | None | q3_revenue_low |
| /operating_model/cells/q3_revenue_low:shared/kind | None | management_guidance |
| /operating_model/cells/q3_revenue_low:shared/label | None | Q3 revenue low |
| /operating_model/cells/q3_revenue_low:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_low:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/q3_revenue_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /operating_model/cells/q3_revenue_low:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_low:shared/value | None | 940.0 |
| /operating_model/cells/q3_revenue_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/q3_revenue_sum:shared/case | None | shared |
| /operating_model/cells/q3_revenue_sum:shared/formula/op | None | sum |
| /operating_model/cells/q3_revenue_sum:shared/formula/refs/0 | None | q3_revenue_low |
| /operating_model/cells/q3_revenue_sum:shared/formula/refs/1 | None | q3_revenue_high |
| /operating_model/cells/q3_revenue_sum:shared/id | None | q3_revenue_sum |
| /operating_model/cells/q3_revenue_sum:shared/kind | None | derived |
| /operating_model/cells/q3_revenue_sum:shared/label | None | Q3 revenue endpoint sum |
| /operating_model/cells/q3_revenue_sum:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_sum:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_sum:shared/value | None | 1920.0 |
| /operating_model/cells/securities:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/securities:shared/case | None | shared |
| /operating_model/cells/securities:shared/id | None | securities |
| /operating_model/cells/securities:shared/kind | None | reported |
| /operating_model/cells/securities:shared/label | None | securities |
| /operating_model/cells/securities:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/securities:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/securities:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/securities:shared/unit | None | USD_millions |
| /operating_model/cells/securities:shared/value | None | 2593.0 |
| /operating_model/cells/senior_funding_assets:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/senior_funding_assets:shared/case | None | shared |
| /operating_model/cells/senior_funding_assets:shared/id | None | senior_funding_assets |
| /operating_model/cells/senior_funding_assets:shared/kind | None | reported |
| /operating_model/cells/senior_funding_assets:shared/label | None | senior funding assets |
| /operating_model/cells/senior_funding_assets:shared/period | None | June 2026 / FY2025 |
| /operating_model/cells/senior_funding_assets:shared/source_date | None | 2026-08-18 |
| /operating_model/cells/senior_funding_assets:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /operating_model/cells/senior_funding_assets:shared/unit | None | USD_millions |
| /operating_model/cells/senior_funding_assets:shared/value | None | 526.0 |
| /operating_model/cells/two:shared/basis | None | Arithmetic constant. |
| /operating_model/cells/two:shared/case | None | shared |
| /operating_model/cells/two:shared/id | None | two |
| /operating_model/cells/two:shared/kind | None | assumption |
| /operating_model/cells/two:shared/label | None | Midpoint divisor |
| /operating_model/cells/two:shared/period | None | Model |
| /operating_model/cells/two:shared/unit | None | ratio |
| /operating_model/cells/two:shared/value | None | 2.0 |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/formula/refs/0 | None | upside_2026q3_presentation_reduction |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/formula/refs/1 | None | upside_2026q3_recognition_timing |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/id | None | upside_2026q3_accounting_reductions |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_accounting_reductions:upside/value | None | 48.300000000000004 |
| /operating_model/cells/upside_2026q3_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2026q3_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_adj_operating:upside/formula/refs/0 | None | upside_2026q3_tmd |
| /operating_model/cells/upside_2026q3_adj_operating:upside/formula/refs/1 | None | upside_2026q3_adjusted_opex |
| /operating_model/cells/upside_2026q3_adj_operating:upside/id | None | upside_2026q3_adj_operating |
| /operating_model/cells/upside_2026q3_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2026q3_adj_operating:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_adj_operating:upside/value | None | 40.00000000000023 |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/id | None | upside_2026q3_adjusted_opex |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_adjusted_opex:upside/value | None | 350.0 |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/formula/refs/0 | None | upside_2026q3_loan_deployment |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/formula/refs/1 | None | upside_2026q3_senior_deployment |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/formula/refs/2 | None | upside_2026q3_treasury_deployment |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/id | None | upside_2026q3_bank_asset_deployment |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_bank_asset_deployment:upside/value | None | 490.0 |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/formula/refs/0 | None | upside_2026q3_cash_before_bank_balances |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/formula/refs/1 | None | upside_2026q3_deposit_flow |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/formula/refs/2 | None | upside_2026q3_operating_notes_flow |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/id | None | upside_2026q3_bank_funding_inflow |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_bank_funding_inflow:upside/value | None | 264.6500000000002 |
| /operating_model/cells/upside_2026q3_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_capex:upside/id | None | upside_2026q3_capex |
| /operating_model/cells/upside_2026q3_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2026q3_capex:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_capex:upside/value | None | 10.0 |
| /operating_model/cells/upside_2026q3_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2026q3_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_capital_cash:upside/formula/refs/0 | None | upside_2026q3_capex |
| /operating_model/cells/upside_2026q3_capital_cash:upside/formula/refs/1 | None | upside_2026q3_lease_principal |
| /operating_model/cells/upside_2026q3_capital_cash:upside/id | None | upside_2026q3_capital_cash |
| /operating_model/cells/upside_2026q3_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2026q3_capital_cash:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_capital_cash:upside/value | None | 15.0 |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/formula/refs/0 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/formula/refs/1 | None | upside_2026q3_capital_cash |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/id | None | upside_2026q3_cash_after_capex |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_after_capex:upside/value | None | -240.3499999999998 |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2026q3_noncash_credit_bridge |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2026q3_cash_earnings_adjustment |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/id | None | upside_2026q3_cash_before_bank_balances |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_before_bank_balances:upside/value | None | 164.6500000000002 |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2026q3_loan_sale_gain |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2026q3_recognition_timing |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2026q3_restructuring |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2026q3_cash_tax |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2026q3_other_settlement_use |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/id | None | upside_2026q3_cash_earnings_adjustment |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_earnings_adjustment:upside/value | None | 131.0 |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/id | None | upside_2026q3_cash_funding_expense |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_funding_expense:upside/value | None | 193.69999999999993 |
| /operating_model/cells/upside_2026q3_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_tax:upside/id | None | upside_2026q3_cash_tax |
| /operating_model/cells/upside_2026q3_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2026q3_cash_tax:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_tax:upside/value | None | 12.0 |
| /operating_model/cells/upside_2026q3_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2026q3_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/refs/0 | None | upside_2026q3_bank_funding_inflow |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/refs/1 | None | upside_2026q3_bank_asset_deployment |
| /operating_model/cells/upside_2026q3_cfo:upside/id | None | upside_2026q3_cfo |
| /operating_model/cells/upside_2026q3_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2026q3_cfo:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cfo:upside/value | None | -225.3499999999998 |
| /operating_model/cells/upside_2026q3_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2026q3_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_credit_expense:upside/formula/refs/0 | None | upside_2026q3_gmv |
| /operating_model/cells/upside_2026q3_credit_expense:upside/formula/refs/1 | None | upside_2026q3_credit_ratio |
| /operating_model/cells/upside_2026q3_credit_expense:upside/id | None | upside_2026q3_credit_expense |
| /operating_model/cells/upside_2026q3_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2026q3_credit_expense:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_credit_expense:upside/value | None | 210.64999999999998 |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/id | None | upside_2026q3_credit_ratio |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2026q3_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_da:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_da:upside/id | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2026q3_da:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_da:upside/value | None | 24.0 |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/id | None | upside_2026q3_deposit_flow |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_deposit_flow:upside/value | None | 100.0 |
| /operating_model/cells/upside_2026q3_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2026q3_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_funding_cost:upside/formula/refs/0 | None | upside_2026q3_cash_funding_expense |
| /operating_model/cells/upside_2026q3_funding_cost:upside/formula/refs/1 | None | upside_2026q3_funding_fv |
| /operating_model/cells/upside_2026q3_funding_cost:upside/id | None | upside_2026q3_funding_cost |
| /operating_model/cells/upside_2026q3_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2026q3_funding_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_funding_cost:upside/value | None | 238.69999999999993 |
| /operating_model/cells/upside_2026q3_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_funding_fv:upside/id | None | upside_2026q3_funding_fv |
| /operating_model/cells/upside_2026q3_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2026q3_funding_fv:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_funding_fv:upside/value | None | 45.0 |
| /operating_model/cells/upside_2026q3_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_gmv:upside/id | None | upside_2026q3_gmv |
| /operating_model/cells/upside_2026q3_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2026q3_gmv:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_gmv:upside/value | None | 38300.0 |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/formula/refs/0 | None | upside_2026q3_sbc |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/formula/refs/1 | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/formula/refs/2 | None | upside_2026q3_restructuring |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/id | None | upside_2026q3_ifrs_adjustments |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_ifrs_adjustments:upside/value | None | 123.0 |
| /operating_model/cells/upside_2026q3_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_interest_income:upside/id | None | upside_2026q3_interest_income |
| /operating_model/cells/upside_2026q3_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2026q3_interest_income:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_interest_income:upside/value | None | 245.0 |
| /operating_model/cells/upside_2026q3_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_lease_principal:upside/id | None | upside_2026q3_lease_principal |
| /operating_model/cells/upside_2026q3_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2026q3_lease_principal:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/id | None | upside_2026q3_loan_deployment |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_loan_deployment:upside/value | None | 200.0 |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/id | None | upside_2026q3_loan_sale_gain |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_loan_sale_gain:upside/value | None | 85.0 |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2026q3_adj_operating |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2026q3_credit_expense |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2026q3_funding_fv |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/id | None | upside_2026q3_noncash_credit_bridge |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_noncash_credit_bridge:upside/value | None | 295.6500000000002 |
| /operating_model/cells/upside_2026q3_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2026q3_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/refs/0 | None | upside_2026q3_adj_operating |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/refs/1 | None | upside_2026q3_ifrs_adjustments |
| /operating_model/cells/upside_2026q3_operating_income:upside/id | None | upside_2026q3_operating_income |
| /operating_model/cells/upside_2026q3_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2026q3_operating_income:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_operating_income:upside/value | None | -82.99999999999977 |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/id | None | upside_2026q3_operating_notes_flow |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/id | None | upside_2026q3_other_settlement_use |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_other_settlement_use:upside/value | None | 20.0 |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2026q3_service_revenue |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2026q3_interest_income |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2026q3_loan_sale_gain |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/id | None | upside_2026q3_pre_presentation_revenue |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_pre_presentation_revenue:upside/value | None | 1078.3000000000002 |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/id | None | upside_2026q3_presentation_ratio |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/formula/refs/0 | None | upside_2026q3_gmv |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/formula/refs/1 | None | upside_2026q3_presentation_ratio |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/id | None | upside_2026q3_presentation_reduction |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_presentation_reduction:upside/value | None | 38.300000000000004 |
| /operating_model/cells/upside_2026q3_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2026q3_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_processing_cost:upside/formula/refs/0 | None | upside_2026q3_gmv |
| /operating_model/cells/upside_2026q3_processing_cost:upside/formula/refs/1 | None | upside_2026q3_processing_ratio |
| /operating_model/cells/upside_2026q3_processing_cost:upside/id | None | upside_2026q3_processing_cost |
| /operating_model/cells/upside_2026q3_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2026q3_processing_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_processing_cost:upside/value | None | 248.95 |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/id | None | upside_2026q3_processing_ratio |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/formula/refs/0 | None | upside_2026q3_processing_cost |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/formula/refs/1 | None | upside_2026q3_credit_expense |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/formula/refs/2 | None | upside_2026q3_funding_cost |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/id | None | upside_2026q3_raw_transaction_cost |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_raw_transaction_cost:upside/value | None | 698.3 |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/id | None | upside_2026q3_recognition_timing |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_recognition_timing:upside/value | None | 10.0 |
| /operating_model/cells/upside_2026q3_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_restructuring:upside/id | None | upside_2026q3_restructuring |
| /operating_model/cells/upside_2026q3_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2026q3_restructuring:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2026q3_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2026q3_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/0 | None | upside_2026q3_pre_presentation_revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/1 | None | upside_2026q3_presentation_reduction |
| /operating_model/cells/upside_2026q3_revenue:upside/id | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_revenue:upside/value | None | 1040.0000000000002 |
| /operating_model/cells/upside_2026q3_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2026q3_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_sbc:upside/id | None | upside_2026q3_sbc |
| /operating_model/cells/upside_2026q3_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2026q3_sbc:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_sbc:upside/value | None | 95.0 |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/id | None | upside_2026q3_senior_deployment |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_senior_deployment:upside/value | None | 140.0 |
| /operating_model/cells/upside_2026q3_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2026q3_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_service_revenue:upside/formula/refs/0 | None | upside_2026q3_gmv |
| /operating_model/cells/upside_2026q3_service_revenue:upside/formula/refs/1 | None | upside_2026q3_service_yield |
| /operating_model/cells/upside_2026q3_service_revenue:upside/id | None | upside_2026q3_service_revenue |
| /operating_model/cells/upside_2026q3_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2026q3_service_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_service_revenue:upside/value | None | 748.3000000000001 |
| /operating_model/cells/upside_2026q3_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_service_yield:upside/id | None | upside_2026q3_service_yield |
| /operating_model/cells/upside_2026q3_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2026q3_service_yield:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_service_yield:upside/value | None | 0.0195378590078329 |
| /operating_model/cells/upside_2026q3_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2026q3_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_tmd:upside/formula/refs/0 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_tmd:upside/formula/refs/1 | None | upside_2026q3_transaction_cost |
| /operating_model/cells/upside_2026q3_tmd:upside/id | None | upside_2026q3_tmd |
| /operating_model/cells/upside_2026q3_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2026q3_tmd:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_tmd:upside/value | None | 390.0000000000002 |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/formula/refs/0 | None | upside_2026q3_raw_transaction_cost |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/formula/refs/1 | None | upside_2026q3_accounting_reductions |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/id | None | upside_2026q3_transaction_cost |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_transaction_cost:upside/value | None | 650.0 |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/id | None | upside_2026q3_treasury_deployment |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_treasury_deployment:upside/value | None | 150.0 |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/formula/refs/0 | None | upside_2026q4_presentation_reduction |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/formula/refs/1 | None | upside_2026q4_recognition_timing |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/id | None | upside_2026q4_accounting_reductions |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_accounting_reductions:upside/value | None | 68.0 |
| /operating_model/cells/upside_2026q4_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2026q4_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_adj_operating:upside/formula/refs/0 | None | upside_2026q4_tmd |
| /operating_model/cells/upside_2026q4_adj_operating:upside/formula/refs/1 | None | upside_2026q4_adjusted_opex |
| /operating_model/cells/upside_2026q4_adj_operating:upside/id | None | upside_2026q4_adj_operating |
| /operating_model/cells/upside_2026q4_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2026q4_adj_operating:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_adj_operating:upside/value | None | 160.0 |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/id | None | upside_2026q4_adjusted_opex |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_adjusted_opex:upside/value | None | 330.0 |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/formula/refs/0 | None | upside_2026q4_loan_deployment |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/formula/refs/1 | None | upside_2026q4_senior_deployment |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/formula/refs/2 | None | upside_2026q4_treasury_deployment |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/id | None | upside_2026q4_bank_asset_deployment |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_bank_asset_deployment:upside/value | None | 680.0 |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/formula/refs/0 | None | upside_2026q4_cash_before_bank_balances |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/formula/refs/1 | None | upside_2026q4_deposit_flow |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/formula/refs/2 | None | upside_2026q4_operating_notes_flow |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/id | None | upside_2026q4_bank_funding_inflow |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_bank_funding_inflow:upside/value | None | 619.0 |
| /operating_model/cells/upside_2026q4_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_capex:upside/id | None | upside_2026q4_capex |
| /operating_model/cells/upside_2026q4_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2026q4_capex:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_capex:upside/value | None | 11.0 |
| /operating_model/cells/upside_2026q4_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2026q4_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_capital_cash:upside/formula/refs/0 | None | upside_2026q4_capex |
| /operating_model/cells/upside_2026q4_capital_cash:upside/formula/refs/1 | None | upside_2026q4_lease_principal |
| /operating_model/cells/upside_2026q4_capital_cash:upside/id | None | upside_2026q4_capital_cash |
| /operating_model/cells/upside_2026q4_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2026q4_capital_cash:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_capital_cash:upside/value | None | 16.0 |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/formula/refs/0 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/formula/refs/1 | None | upside_2026q4_capital_cash |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/id | None | upside_2026q4_cash_after_capex |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_after_capex:upside/value | None | -77.0 |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2026q4_noncash_credit_bridge |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2026q4_cash_earnings_adjustment |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/id | None | upside_2026q4_cash_before_bank_balances |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_before_bank_balances:upside/value | None | 319.0 |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2026q4_loan_sale_gain |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2026q4_recognition_timing |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2026q4_restructuring |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2026q4_cash_tax |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2026q4_other_settlement_use |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/id | None | upside_2026q4_cash_earnings_adjustment |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_earnings_adjustment:upside/value | None | 155.0 |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/id | None | upside_2026q4_cash_funding_expense |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_funding_expense:upside/value | None | 192.0 |
| /operating_model/cells/upside_2026q4_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_tax:upside/id | None | upside_2026q4_cash_tax |
| /operating_model/cells/upside_2026q4_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2026q4_cash_tax:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_tax:upside/value | None | 14.0 |
| /operating_model/cells/upside_2026q4_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2026q4_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/refs/0 | None | upside_2026q4_bank_funding_inflow |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/refs/1 | None | upside_2026q4_bank_asset_deployment |
| /operating_model/cells/upside_2026q4_cfo:upside/id | None | upside_2026q4_cfo |
| /operating_model/cells/upside_2026q4_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2026q4_cfo:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cfo:upside/value | None | -61.0 |
| /operating_model/cells/upside_2026q4_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2026q4_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_credit_expense:upside/formula/refs/0 | None | upside_2026q4_gmv |
| /operating_model/cells/upside_2026q4_credit_expense:upside/formula/refs/1 | None | upside_2026q4_credit_ratio |
| /operating_model/cells/upside_2026q4_credit_expense:upside/id | None | upside_2026q4_credit_expense |
| /operating_model/cells/upside_2026q4_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2026q4_credit_expense:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_credit_expense:upside/value | None | 264.0 |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/id | None | upside_2026q4_credit_ratio |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2026q4_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_da:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_da:upside/id | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2026q4_da:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_da:upside/value | None | 25.0 |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/id | None | upside_2026q4_deposit_flow |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_deposit_flow:upside/value | None | 300.0 |
| /operating_model/cells/upside_2026q4_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2026q4_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_funding_cost:upside/formula/refs/0 | None | upside_2026q4_cash_funding_expense |
| /operating_model/cells/upside_2026q4_funding_cost:upside/formula/refs/1 | None | upside_2026q4_funding_fv |
| /operating_model/cells/upside_2026q4_funding_cost:upside/id | None | upside_2026q4_funding_cost |
| /operating_model/cells/upside_2026q4_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2026q4_funding_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_funding_cost:upside/value | None | 242.0 |
| /operating_model/cells/upside_2026q4_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_funding_fv:upside/id | None | upside_2026q4_funding_fv |
| /operating_model/cells/upside_2026q4_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2026q4_funding_fv:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_funding_fv:upside/value | None | 50.0 |
| /operating_model/cells/upside_2026q4_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_gmv:upside/id | None | upside_2026q4_gmv |
| /operating_model/cells/upside_2026q4_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2026q4_gmv:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_gmv:upside/value | None | 48000.0 |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/formula/refs/0 | None | upside_2026q4_sbc |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/formula/refs/1 | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/formula/refs/2 | None | upside_2026q4_restructuring |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/id | None | upside_2026q4_ifrs_adjustments |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_ifrs_adjustments:upside/value | None | 78.0 |
| /operating_model/cells/upside_2026q4_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_interest_income:upside/id | None | upside_2026q4_interest_income |
| /operating_model/cells/upside_2026q4_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2026q4_interest_income:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_interest_income:upside/value | None | 260.0 |
| /operating_model/cells/upside_2026q4_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_lease_principal:upside/id | None | upside_2026q4_lease_principal |
| /operating_model/cells/upside_2026q4_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2026q4_lease_principal:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/id | None | upside_2026q4_loan_deployment |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_loan_deployment:upside/value | None | 350.0 |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/id | None | upside_2026q4_loan_sale_gain |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_loan_sale_gain:upside/value | None | 95.0 |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2026q4_adj_operating |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2026q4_credit_expense |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2026q4_funding_fv |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/id | None | upside_2026q4_noncash_credit_bridge |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_noncash_credit_bridge:upside/value | None | 474.0 |
| /operating_model/cells/upside_2026q4_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2026q4_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/refs/0 | None | upside_2026q4_adj_operating |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/refs/1 | None | upside_2026q4_ifrs_adjustments |
| /operating_model/cells/upside_2026q4_operating_income:upside/id | None | upside_2026q4_operating_income |
| /operating_model/cells/upside_2026q4_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2026q4_operating_income:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_operating_income:upside/value | None | 82.0 |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/id | None | upside_2026q4_operating_notes_flow |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/id | None | upside_2026q4_other_settlement_use |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_other_settlement_use:upside/value | None | 22.0 |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2026q4_service_revenue |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2026q4_interest_income |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2026q4_loan_sale_gain |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/id | None | upside_2026q4_pre_presentation_revenue |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_pre_presentation_revenue:upside/value | None | 1288.0 |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/id | None | upside_2026q4_presentation_ratio |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/formula/refs/0 | None | upside_2026q4_gmv |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/formula/refs/1 | None | upside_2026q4_presentation_ratio |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/id | None | upside_2026q4_presentation_reduction |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_presentation_reduction:upside/value | None | 48.0 |
| /operating_model/cells/upside_2026q4_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2026q4_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_processing_cost:upside/formula/refs/0 | None | upside_2026q4_gmv |
| /operating_model/cells/upside_2026q4_processing_cost:upside/formula/refs/1 | None | upside_2026q4_processing_ratio |
| /operating_model/cells/upside_2026q4_processing_cost:upside/id | None | upside_2026q4_processing_cost |
| /operating_model/cells/upside_2026q4_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2026q4_processing_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_processing_cost:upside/value | None | 312.0 |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/id | None | upside_2026q4_processing_ratio |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/formula/refs/0 | None | upside_2026q4_processing_cost |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/formula/refs/1 | None | upside_2026q4_credit_expense |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/formula/refs/2 | None | upside_2026q4_funding_cost |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/id | None | upside_2026q4_raw_transaction_cost |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_raw_transaction_cost:upside/value | None | 818.0 |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/id | None | upside_2026q4_recognition_timing |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_recognition_timing:upside/value | None | 20.0 |
| /operating_model/cells/upside_2026q4_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_restructuring:upside/id | None | upside_2026q4_restructuring |
| /operating_model/cells/upside_2026q4_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2026q4_restructuring:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2026q4_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2026q4_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/0 | None | upside_2026q4_pre_presentation_revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/1 | None | upside_2026q4_presentation_reduction |
| /operating_model/cells/upside_2026q4_revenue:upside/id | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_revenue:upside/value | None | 1240.0 |
| /operating_model/cells/upside_2026q4_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2026q4_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_sbc:upside/id | None | upside_2026q4_sbc |
| /operating_model/cells/upside_2026q4_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2026q4_sbc:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_sbc:upside/value | None | 49.0 |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/id | None | upside_2026q4_senior_deployment |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_senior_deployment:upside/value | None | 180.0 |
| /operating_model/cells/upside_2026q4_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2026q4_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_service_revenue:upside/formula/refs/0 | None | upside_2026q4_gmv |
| /operating_model/cells/upside_2026q4_service_revenue:upside/formula/refs/1 | None | upside_2026q4_service_yield |
| /operating_model/cells/upside_2026q4_service_revenue:upside/id | None | upside_2026q4_service_revenue |
| /operating_model/cells/upside_2026q4_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2026q4_service_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_service_revenue:upside/value | None | 933.0 |
| /operating_model/cells/upside_2026q4_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_service_yield:upside/id | None | upside_2026q4_service_yield |
| /operating_model/cells/upside_2026q4_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2026q4_service_yield:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_service_yield:upside/value | None | 0.0194375 |
| /operating_model/cells/upside_2026q4_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2026q4_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_tmd:upside/formula/refs/0 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_tmd:upside/formula/refs/1 | None | upside_2026q4_transaction_cost |
| /operating_model/cells/upside_2026q4_tmd:upside/id | None | upside_2026q4_tmd |
| /operating_model/cells/upside_2026q4_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2026q4_tmd:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_tmd:upside/value | None | 490.0 |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/formula/refs/0 | None | upside_2026q4_raw_transaction_cost |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/formula/refs/1 | None | upside_2026q4_accounting_reductions |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/id | None | upside_2026q4_transaction_cost |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_transaction_cost:upside/value | None | 750.0 |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/id | None | upside_2026q4_treasury_deployment |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_treasury_deployment:upside/value | None | 150.0 |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/formula/refs/0 | None | upside_2027q1_presentation_reduction |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/formula/refs/1 | None | upside_2027q1_recognition_timing |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/id | None | upside_2027q1_accounting_reductions |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_accounting_reductions:upside/value | None | 45.0 |
| /operating_model/cells/upside_2027q1_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2027q1_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_adj_operating:upside/formula/refs/0 | None | upside_2027q1_tmd |
| /operating_model/cells/upside_2027q1_adj_operating:upside/formula/refs/1 | None | upside_2027q1_adjusted_opex |
| /operating_model/cells/upside_2027q1_adj_operating:upside/id | None | upside_2027q1_adj_operating |
| /operating_model/cells/upside_2027q1_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2027q1_adj_operating:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_adj_operating:upside/value | None | 160.0 |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/id | None | upside_2027q1_adjusted_opex |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_adjusted_opex:upside/value | None | 390.0 |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/formula/refs/0 | None | upside_2027q1_loan_deployment |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/formula/refs/1 | None | upside_2027q1_senior_deployment |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/formula/refs/2 | None | upside_2027q1_treasury_deployment |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/id | None | upside_2027q1_bank_asset_deployment |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_bank_asset_deployment:upside/value | None | 750.0 |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/formula/refs/0 | None | upside_2027q1_cash_before_bank_balances |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/formula/refs/1 | None | upside_2027q1_deposit_flow |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/formula/refs/2 | None | upside_2027q1_operating_notes_flow |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/id | None | upside_2027q1_bank_funding_inflow |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_bank_funding_inflow:upside/value | None | 563.5 |
| /operating_model/cells/upside_2027q1_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_capex:upside/id | None | upside_2027q1_capex |
| /operating_model/cells/upside_2027q1_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2027q1_capex:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_capex:upside/value | None | 12.0 |
| /operating_model/cells/upside_2027q1_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2027q1_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_capital_cash:upside/formula/refs/0 | None | upside_2027q1_capex |
| /operating_model/cells/upside_2027q1_capital_cash:upside/formula/refs/1 | None | upside_2027q1_lease_principal |
| /operating_model/cells/upside_2027q1_capital_cash:upside/id | None | upside_2027q1_capital_cash |
| /operating_model/cells/upside_2027q1_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2027q1_capital_cash:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_capital_cash:upside/value | None | 17.0 |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/formula/refs/1 | None | upside_2027q1_capital_cash |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/id | None | upside_2027q1_cash_after_capex |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_after_capex:upside/value | None | -203.5 |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2027q1_noncash_credit_bridge |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2027q1_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/id | None | upside_2027q1_cash_before_bank_balances |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_before_bank_balances:upside/value | None | 313.5 |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2027q1_loan_sale_gain |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2027q1_recognition_timing |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2027q1_restructuring |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2027q1_cash_tax |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2027q1_other_settlement_use |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/id | None | upside_2027q1_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_earnings_adjustment:upside/value | None | 149.0 |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/id | None | upside_2027q1_cash_funding_expense |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_funding_expense:upside/value | None | 200.0 |
| /operating_model/cells/upside_2027q1_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_tax:upside/id | None | upside_2027q1_cash_tax |
| /operating_model/cells/upside_2027q1_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2027q1_cash_tax:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_tax:upside/value | None | 16.0 |
| /operating_model/cells/upside_2027q1_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2027q1_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/refs/0 | None | upside_2027q1_bank_funding_inflow |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/refs/1 | None | upside_2027q1_bank_asset_deployment |
| /operating_model/cells/upside_2027q1_cfo:upside/id | None | upside_2027q1_cfo |
| /operating_model/cells/upside_2027q1_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2027q1_cfo:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cfo:upside/value | None | -186.5 |
| /operating_model/cells/upside_2027q1_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2027q1_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_credit_expense:upside/formula/refs/0 | None | upside_2027q1_gmv |
| /operating_model/cells/upside_2027q1_credit_expense:upside/formula/refs/1 | None | upside_2027q1_credit_ratio |
| /operating_model/cells/upside_2027q1_credit_expense:upside/id | None | upside_2027q1_credit_expense |
| /operating_model/cells/upside_2027q1_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2027q1_credit_expense:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_credit_expense:upside/value | None | 247.49999999999997 |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/id | None | upside_2027q1_credit_ratio |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2027q1_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_da:upside/id | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2027q1_da:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_da:upside/value | None | 26.0 |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/id | None | upside_2027q1_deposit_flow |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_deposit_flow:upside/value | None | 250.0 |
| /operating_model/cells/upside_2027q1_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2027q1_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_funding_cost:upside/formula/refs/0 | None | upside_2027q1_cash_funding_expense |
| /operating_model/cells/upside_2027q1_funding_cost:upside/formula/refs/1 | None | upside_2027q1_funding_fv |
| /operating_model/cells/upside_2027q1_funding_cost:upside/id | None | upside_2027q1_funding_cost |
| /operating_model/cells/upside_2027q1_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2027q1_funding_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_funding_cost:upside/value | None | 255.0 |
| /operating_model/cells/upside_2027q1_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_funding_fv:upside/id | None | upside_2027q1_funding_fv |
| /operating_model/cells/upside_2027q1_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2027q1_funding_fv:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_funding_fv:upside/value | None | 55.0 |
| /operating_model/cells/upside_2027q1_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_gmv:upside/id | None | upside_2027q1_gmv |
| /operating_model/cells/upside_2027q1_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2027q1_gmv:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_gmv:upside/value | None | 45000.0 |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/formula/refs/0 | None | upside_2027q1_sbc |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/formula/refs/1 | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/formula/refs/2 | None | upside_2027q1_restructuring |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/id | None | upside_2027q1_ifrs_adjustments |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_ifrs_adjustments:upside/value | None | 83.0 |
| /operating_model/cells/upside_2027q1_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_interest_income:upside/id | None | upside_2027q1_interest_income |
| /operating_model/cells/upside_2027q1_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2027q1_interest_income:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_interest_income:upside/value | None | 275.0 |
| /operating_model/cells/upside_2027q1_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_lease_principal:upside/id | None | upside_2027q1_lease_principal |
| /operating_model/cells/upside_2027q1_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2027q1_lease_principal:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/id | None | upside_2027q1_loan_deployment |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_loan_deployment:upside/value | None | 400.0 |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/id | None | upside_2027q1_loan_sale_gain |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_loan_sale_gain:upside/value | None | 105.0 |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2027q1_adj_operating |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2027q1_credit_expense |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2027q1_funding_fv |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/id | None | upside_2027q1_noncash_credit_bridge |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_noncash_credit_bridge:upside/value | None | 462.5 |
| /operating_model/cells/upside_2027q1_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2027q1_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/refs/0 | None | upside_2027q1_adj_operating |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/refs/1 | None | upside_2027q1_ifrs_adjustments |
| /operating_model/cells/upside_2027q1_operating_income:upside/id | None | upside_2027q1_operating_income |
| /operating_model/cells/upside_2027q1_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2027q1_operating_income:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_operating_income:upside/value | None | 77.0 |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/id | None | upside_2027q1_operating_notes_flow |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/id | None | upside_2027q1_other_settlement_use |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_other_settlement_use:upside/value | None | 24.0 |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2027q1_service_revenue |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2027q1_interest_income |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2027q1_loan_sale_gain |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/id | None | upside_2027q1_pre_presentation_revenue |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_pre_presentation_revenue:upside/value | None | 1345.0 |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/id | None | upside_2027q1_presentation_ratio |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/formula/refs/0 | None | upside_2027q1_gmv |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/formula/refs/1 | None | upside_2027q1_presentation_ratio |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/id | None | upside_2027q1_presentation_reduction |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_presentation_reduction:upside/value | None | 45.0 |
| /operating_model/cells/upside_2027q1_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2027q1_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_processing_cost:upside/formula/refs/0 | None | upside_2027q1_gmv |
| /operating_model/cells/upside_2027q1_processing_cost:upside/formula/refs/1 | None | upside_2027q1_processing_ratio |
| /operating_model/cells/upside_2027q1_processing_cost:upside/id | None | upside_2027q1_processing_cost |
| /operating_model/cells/upside_2027q1_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2027q1_processing_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_processing_cost:upside/value | None | 292.5 |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/id | None | upside_2027q1_processing_ratio |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/formula/refs/0 | None | upside_2027q1_processing_cost |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/formula/refs/1 | None | upside_2027q1_credit_expense |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/formula/refs/2 | None | upside_2027q1_funding_cost |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/id | None | upside_2027q1_raw_transaction_cost |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_raw_transaction_cost:upside/value | None | 795.0 |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/id | None | upside_2027q1_recognition_timing |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_recognition_timing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q1_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_restructuring:upside/id | None | upside_2027q1_restructuring |
| /operating_model/cells/upside_2027q1_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2027q1_restructuring:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2027q1_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2027q1_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/0 | None | upside_2027q1_pre_presentation_revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/1 | None | upside_2027q1_presentation_reduction |
| /operating_model/cells/upside_2027q1_revenue:upside/id | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_revenue:upside/value | None | 1300.0 |
| /operating_model/cells/upside_2027q1_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2027q1_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_sbc:upside/id | None | upside_2027q1_sbc |
| /operating_model/cells/upside_2027q1_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2027q1_sbc:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_sbc:upside/value | None | 53.0 |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/id | None | upside_2027q1_senior_deployment |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_senior_deployment:upside/value | None | 200.0 |
| /operating_model/cells/upside_2027q1_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2027q1_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_service_revenue:upside/formula/refs/0 | None | upside_2027q1_gmv |
| /operating_model/cells/upside_2027q1_service_revenue:upside/formula/refs/1 | None | upside_2027q1_service_yield |
| /operating_model/cells/upside_2027q1_service_revenue:upside/id | None | upside_2027q1_service_revenue |
| /operating_model/cells/upside_2027q1_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2027q1_service_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_service_revenue:upside/value | None | 964.9999999999999 |
| /operating_model/cells/upside_2027q1_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_service_yield:upside/id | None | upside_2027q1_service_yield |
| /operating_model/cells/upside_2027q1_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2027q1_service_yield:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_service_yield:upside/value | None | 0.021444444444444443 |
| /operating_model/cells/upside_2027q1_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2027q1_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_tmd:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_tmd:upside/formula/refs/1 | None | upside_2027q1_transaction_cost |
| /operating_model/cells/upside_2027q1_tmd:upside/id | None | upside_2027q1_tmd |
| /operating_model/cells/upside_2027q1_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2027q1_tmd:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_tmd:upside/value | None | 550.0 |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/formula/refs/0 | None | upside_2027q1_raw_transaction_cost |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/formula/refs/1 | None | upside_2027q1_accounting_reductions |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/id | None | upside_2027q1_transaction_cost |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_transaction_cost:upside/value | None | 750.0 |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/id | None | upside_2027q1_treasury_deployment |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_treasury_deployment:upside/value | None | 150.0 |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/formula/refs/0 | None | upside_2027q2_presentation_reduction |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/formula/refs/1 | None | upside_2027q2_recognition_timing |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/id | None | upside_2027q2_accounting_reductions |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_accounting_reductions:upside/value | None | 50.0 |
| /operating_model/cells/upside_2027q2_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2027q2_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_adj_operating:upside/formula/refs/0 | None | upside_2027q2_tmd |
| /operating_model/cells/upside_2027q2_adj_operating:upside/formula/refs/1 | None | upside_2027q2_adjusted_opex |
| /operating_model/cells/upside_2027q2_adj_operating:upside/id | None | upside_2027q2_adj_operating |
| /operating_model/cells/upside_2027q2_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2027q2_adj_operating:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_adj_operating:upside/value | None | 190.0 |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/id | None | upside_2027q2_adjusted_opex |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_adjusted_opex:upside/value | None | 430.0 |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/formula/refs/0 | None | upside_2027q2_loan_deployment |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/formula/refs/1 | None | upside_2027q2_senior_deployment |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/formula/refs/2 | None | upside_2027q2_treasury_deployment |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/id | None | upside_2027q2_bank_asset_deployment |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_bank_asset_deployment:upside/value | None | 865.0 |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/formula/refs/0 | None | upside_2027q2_cash_before_bank_balances |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/formula/refs/1 | None | upside_2027q2_deposit_flow |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/formula/refs/2 | None | upside_2027q2_operating_notes_flow |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/id | None | upside_2027q2_bank_funding_inflow |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_bank_funding_inflow:upside/value | None | 662.0 |
| /operating_model/cells/upside_2027q2_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_capex:upside/id | None | upside_2027q2_capex |
| /operating_model/cells/upside_2027q2_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2027q2_capex:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_capex:upside/value | None | 13.0 |
| /operating_model/cells/upside_2027q2_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2027q2_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_capital_cash:upside/formula/refs/0 | None | upside_2027q2_capex |
| /operating_model/cells/upside_2027q2_capital_cash:upside/formula/refs/1 | None | upside_2027q2_lease_principal |
| /operating_model/cells/upside_2027q2_capital_cash:upside/id | None | upside_2027q2_capital_cash |
| /operating_model/cells/upside_2027q2_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2027q2_capital_cash:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_capital_cash:upside/value | None | 18.0 |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/formula/refs/0 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/formula/refs/1 | None | upside_2027q2_capital_cash |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/id | None | upside_2027q2_cash_after_capex |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_after_capex:upside/value | None | -221.0 |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2027q2_noncash_credit_bridge |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2027q2_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/id | None | upside_2027q2_cash_before_bank_balances |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_before_bank_balances:upside/value | None | 362.0 |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2027q2_loan_sale_gain |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2027q2_recognition_timing |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2027q2_restructuring |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2027q2_cash_tax |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2027q2_other_settlement_use |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/id | None | upside_2027q2_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_earnings_adjustment:upside/value | None | 163.0 |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/id | None | upside_2027q2_cash_funding_expense |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_funding_expense:upside/value | None | 220.0 |
| /operating_model/cells/upside_2027q2_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_tax:upside/id | None | upside_2027q2_cash_tax |
| /operating_model/cells/upside_2027q2_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2027q2_cash_tax:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_tax:upside/value | None | 18.0 |
| /operating_model/cells/upside_2027q2_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2027q2_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/refs/0 | None | upside_2027q2_bank_funding_inflow |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/refs/1 | None | upside_2027q2_bank_asset_deployment |
| /operating_model/cells/upside_2027q2_cfo:upside/id | None | upside_2027q2_cfo |
| /operating_model/cells/upside_2027q2_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2027q2_cfo:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cfo:upside/value | None | -203.0 |
| /operating_model/cells/upside_2027q2_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2027q2_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_credit_expense:upside/formula/refs/0 | None | upside_2027q2_gmv |
| /operating_model/cells/upside_2027q2_credit_expense:upside/formula/refs/1 | None | upside_2027q2_credit_ratio |
| /operating_model/cells/upside_2027q2_credit_expense:upside/id | None | upside_2027q2_credit_expense |
| /operating_model/cells/upside_2027q2_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2027q2_credit_expense:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_credit_expense:upside/value | None | 275.0 |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/id | None | upside_2027q2_credit_ratio |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2027q2_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_da:upside/id | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2027q2_da:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_da:upside/value | None | 27.0 |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/id | None | upside_2027q2_deposit_flow |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_deposit_flow:upside/value | None | 300.0 |
| /operating_model/cells/upside_2027q2_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2027q2_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_funding_cost:upside/formula/refs/0 | None | upside_2027q2_cash_funding_expense |
| /operating_model/cells/upside_2027q2_funding_cost:upside/formula/refs/1 | None | upside_2027q2_funding_fv |
| /operating_model/cells/upside_2027q2_funding_cost:upside/id | None | upside_2027q2_funding_cost |
| /operating_model/cells/upside_2027q2_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2027q2_funding_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_funding_cost:upside/value | None | 280.0 |
| /operating_model/cells/upside_2027q2_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_funding_fv:upside/id | None | upside_2027q2_funding_fv |
| /operating_model/cells/upside_2027q2_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2027q2_funding_fv:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_funding_fv:upside/value | None | 60.0 |
| /operating_model/cells/upside_2027q2_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_gmv:upside/id | None | upside_2027q2_gmv |
| /operating_model/cells/upside_2027q2_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2027q2_gmv:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_gmv:upside/value | None | 50000.0 |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/formula/refs/0 | None | upside_2027q2_sbc |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/formula/refs/1 | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/formula/refs/2 | None | upside_2027q2_restructuring |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/id | None | upside_2027q2_ifrs_adjustments |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_ifrs_adjustments:upside/value | None | 88.0 |
| /operating_model/cells/upside_2027q2_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_interest_income:upside/id | None | upside_2027q2_interest_income |
| /operating_model/cells/upside_2027q2_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2027q2_interest_income:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_interest_income:upside/value | None | 290.0 |
| /operating_model/cells/upside_2027q2_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_lease_principal:upside/id | None | upside_2027q2_lease_principal |
| /operating_model/cells/upside_2027q2_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2027q2_lease_principal:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/id | None | upside_2027q2_loan_deployment |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_loan_deployment:upside/value | None | 450.0 |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/id | None | upside_2027q2_loan_sale_gain |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_loan_sale_gain:upside/value | None | 115.0 |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2027q2_adj_operating |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2027q2_credit_expense |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2027q2_funding_fv |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/id | None | upside_2027q2_noncash_credit_bridge |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_noncash_credit_bridge:upside/value | None | 525.0 |
| /operating_model/cells/upside_2027q2_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2027q2_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/refs/0 | None | upside_2027q2_adj_operating |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/refs/1 | None | upside_2027q2_ifrs_adjustments |
| /operating_model/cells/upside_2027q2_operating_income:upside/id | None | upside_2027q2_operating_income |
| /operating_model/cells/upside_2027q2_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2027q2_operating_income:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_operating_income:upside/value | None | 102.0 |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/id | None | upside_2027q2_operating_notes_flow |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/id | None | upside_2027q2_other_settlement_use |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_other_settlement_use:upside/value | None | 26.0 |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2027q2_service_revenue |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2027q2_interest_income |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2027q2_loan_sale_gain |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/id | None | upside_2027q2_pre_presentation_revenue |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_pre_presentation_revenue:upside/value | None | 1500.0 |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/id | None | upside_2027q2_presentation_ratio |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/formula/refs/0 | None | upside_2027q2_gmv |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/formula/refs/1 | None | upside_2027q2_presentation_ratio |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/id | None | upside_2027q2_presentation_reduction |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_presentation_reduction:upside/value | None | 50.0 |
| /operating_model/cells/upside_2027q2_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2027q2_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_processing_cost:upside/formula/refs/0 | None | upside_2027q2_gmv |
| /operating_model/cells/upside_2027q2_processing_cost:upside/formula/refs/1 | None | upside_2027q2_processing_ratio |
| /operating_model/cells/upside_2027q2_processing_cost:upside/id | None | upside_2027q2_processing_cost |
| /operating_model/cells/upside_2027q2_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2027q2_processing_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_processing_cost:upside/value | None | 325.0 |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/id | None | upside_2027q2_processing_ratio |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/formula/refs/0 | None | upside_2027q2_processing_cost |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/formula/refs/1 | None | upside_2027q2_credit_expense |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/formula/refs/2 | None | upside_2027q2_funding_cost |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/id | None | upside_2027q2_raw_transaction_cost |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_raw_transaction_cost:upside/value | None | 880.0 |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/id | None | upside_2027q2_recognition_timing |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_recognition_timing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q2_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_restructuring:upside/id | None | upside_2027q2_restructuring |
| /operating_model/cells/upside_2027q2_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2027q2_restructuring:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2027q2_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2027q2_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/0 | None | upside_2027q2_pre_presentation_revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/1 | None | upside_2027q2_presentation_reduction |
| /operating_model/cells/upside_2027q2_revenue:upside/id | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_revenue:upside/value | None | 1450.0 |
| /operating_model/cells/upside_2027q2_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2027q2_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_sbc:upside/id | None | upside_2027q2_sbc |
| /operating_model/cells/upside_2027q2_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2027q2_sbc:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_sbc:upside/value | None | 57.0 |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/id | None | upside_2027q2_senior_deployment |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_senior_deployment:upside/value | None | 240.0 |
| /operating_model/cells/upside_2027q2_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2027q2_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_service_revenue:upside/formula/refs/0 | None | upside_2027q2_gmv |
| /operating_model/cells/upside_2027q2_service_revenue:upside/formula/refs/1 | None | upside_2027q2_service_yield |
| /operating_model/cells/upside_2027q2_service_revenue:upside/id | None | upside_2027q2_service_revenue |
| /operating_model/cells/upside_2027q2_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2027q2_service_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_service_revenue:upside/value | None | 1095.0 |
| /operating_model/cells/upside_2027q2_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_service_yield:upside/id | None | upside_2027q2_service_yield |
| /operating_model/cells/upside_2027q2_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2027q2_service_yield:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_service_yield:upside/value | None | 0.0219 |
| /operating_model/cells/upside_2027q2_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2027q2_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_tmd:upside/formula/refs/0 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_tmd:upside/formula/refs/1 | None | upside_2027q2_transaction_cost |
| /operating_model/cells/upside_2027q2_tmd:upside/id | None | upside_2027q2_tmd |
| /operating_model/cells/upside_2027q2_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2027q2_tmd:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_tmd:upside/value | None | 620.0 |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/formula/refs/0 | None | upside_2027q2_raw_transaction_cost |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/formula/refs/1 | None | upside_2027q2_accounting_reductions |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/id | None | upside_2027q2_transaction_cost |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_transaction_cost:upside/value | None | 830.0 |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/id | None | upside_2027q2_treasury_deployment |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_treasury_deployment:upside/value | None | 175.0 |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/formula/refs/0 | None | upside_2027q3_presentation_reduction |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/formula/refs/1 | None | upside_2027q3_recognition_timing |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/id | None | upside_2027q3_accounting_reductions |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_accounting_reductions:upside/value | None | 54.0 |
| /operating_model/cells/upside_2027q3_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2027q3_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_adj_operating:upside/formula/refs/0 | None | upside_2027q3_tmd |
| /operating_model/cells/upside_2027q3_adj_operating:upside/formula/refs/1 | None | upside_2027q3_adjusted_opex |
| /operating_model/cells/upside_2027q3_adj_operating:upside/id | None | upside_2027q3_adj_operating |
| /operating_model/cells/upside_2027q3_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2027q3_adj_operating:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_adj_operating:upside/value | None | 235.0 |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/id | None | upside_2027q3_adjusted_opex |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_adjusted_opex:upside/value | None | 465.0 |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/formula/refs/0 | None | upside_2027q3_loan_deployment |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/formula/refs/1 | None | upside_2027q3_senior_deployment |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/formula/refs/2 | None | upside_2027q3_treasury_deployment |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/id | None | upside_2027q3_bank_asset_deployment |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_bank_asset_deployment:upside/value | None | 990.0 |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/formula/refs/0 | None | upside_2027q3_cash_before_bank_balances |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/formula/refs/1 | None | upside_2027q3_deposit_flow |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/formula/refs/2 | None | upside_2027q3_operating_notes_flow |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/id | None | upside_2027q3_bank_funding_inflow |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_bank_funding_inflow:upside/value | None | 770.0 |
| /operating_model/cells/upside_2027q3_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_capex:upside/id | None | upside_2027q3_capex |
| /operating_model/cells/upside_2027q3_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2027q3_capex:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_capex:upside/value | None | 14.0 |
| /operating_model/cells/upside_2027q3_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2027q3_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_capital_cash:upside/formula/refs/0 | None | upside_2027q3_capex |
| /operating_model/cells/upside_2027q3_capital_cash:upside/formula/refs/1 | None | upside_2027q3_lease_principal |
| /operating_model/cells/upside_2027q3_capital_cash:upside/id | None | upside_2027q3_capital_cash |
| /operating_model/cells/upside_2027q3_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2027q3_capital_cash:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_capital_cash:upside/value | None | 19.0 |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/formula/refs/0 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/formula/refs/1 | None | upside_2027q3_capital_cash |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/id | None | upside_2027q3_cash_after_capex |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_after_capex:upside/value | None | -239.0 |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2027q3_noncash_credit_bridge |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2027q3_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/id | None | upside_2027q3_cash_before_bank_balances |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_before_bank_balances:upside/value | None | 420.0 |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2027q3_loan_sale_gain |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2027q3_recognition_timing |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2027q3_restructuring |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2027q3_cash_tax |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2027q3_other_settlement_use |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/id | None | upside_2027q3_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_earnings_adjustment:upside/value | None | 177.0 |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/id | None | upside_2027q3_cash_funding_expense |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_funding_expense:upside/value | None | 191.0 |
| /operating_model/cells/upside_2027q3_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_tax:upside/id | None | upside_2027q3_cash_tax |
| /operating_model/cells/upside_2027q3_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2027q3_cash_tax:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_tax:upside/value | None | 20.0 |
| /operating_model/cells/upside_2027q3_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2027q3_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/refs/0 | None | upside_2027q3_bank_funding_inflow |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/refs/1 | None | upside_2027q3_bank_asset_deployment |
| /operating_model/cells/upside_2027q3_cfo:upside/id | None | upside_2027q3_cfo |
| /operating_model/cells/upside_2027q3_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2027q3_cfo:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cfo:upside/value | None | -220.0 |
| /operating_model/cells/upside_2027q3_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2027q3_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_credit_expense:upside/formula/refs/0 | None | upside_2027q3_gmv |
| /operating_model/cells/upside_2027q3_credit_expense:upside/formula/refs/1 | None | upside_2027q3_credit_ratio |
| /operating_model/cells/upside_2027q3_credit_expense:upside/id | None | upside_2027q3_credit_expense |
| /operating_model/cells/upside_2027q3_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2027q3_credit_expense:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_credit_expense:upside/value | None | 297.0 |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/id | None | upside_2027q3_credit_ratio |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2027q3_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_da:upside/id | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2027q3_da:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_da:upside/value | None | 28.0 |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/id | None | upside_2027q3_deposit_flow |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_deposit_flow:upside/value | None | 350.0 |
| /operating_model/cells/upside_2027q3_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2027q3_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_funding_cost:upside/formula/refs/0 | None | upside_2027q3_cash_funding_expense |
| /operating_model/cells/upside_2027q3_funding_cost:upside/formula/refs/1 | None | upside_2027q3_funding_fv |
| /operating_model/cells/upside_2027q3_funding_cost:upside/id | None | upside_2027q3_funding_cost |
| /operating_model/cells/upside_2027q3_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2027q3_funding_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_funding_cost:upside/value | None | 256.0 |
| /operating_model/cells/upside_2027q3_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_funding_fv:upside/id | None | upside_2027q3_funding_fv |
| /operating_model/cells/upside_2027q3_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2027q3_funding_fv:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_funding_fv:upside/value | None | 65.0 |
| /operating_model/cells/upside_2027q3_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_gmv:upside/id | None | upside_2027q3_gmv |
| /operating_model/cells/upside_2027q3_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2027q3_gmv:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_gmv:upside/value | None | 54000.0 |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/formula/refs/0 | None | upside_2027q3_sbc |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/formula/refs/1 | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/formula/refs/2 | None | upside_2027q3_restructuring |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/id | None | upside_2027q3_ifrs_adjustments |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_ifrs_adjustments:upside/value | None | 93.0 |
| /operating_model/cells/upside_2027q3_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_interest_income:upside/id | None | upside_2027q3_interest_income |
| /operating_model/cells/upside_2027q3_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2027q3_interest_income:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_interest_income:upside/value | None | 305.0 |
| /operating_model/cells/upside_2027q3_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_lease_principal:upside/id | None | upside_2027q3_lease_principal |
| /operating_model/cells/upside_2027q3_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2027q3_lease_principal:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/id | None | upside_2027q3_loan_deployment |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_loan_deployment:upside/value | None | 500.0 |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/id | None | upside_2027q3_loan_sale_gain |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_loan_sale_gain:upside/value | None | 125.0 |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2027q3_adj_operating |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2027q3_credit_expense |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2027q3_funding_fv |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/id | None | upside_2027q3_noncash_credit_bridge |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_noncash_credit_bridge:upside/value | None | 597.0 |
| /operating_model/cells/upside_2027q3_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2027q3_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/refs/0 | None | upside_2027q3_adj_operating |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/refs/1 | None | upside_2027q3_ifrs_adjustments |
| /operating_model/cells/upside_2027q3_operating_income:upside/id | None | upside_2027q3_operating_income |
| /operating_model/cells/upside_2027q3_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2027q3_operating_income:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_operating_income:upside/value | None | 142.0 |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/id | None | upside_2027q3_operating_notes_flow |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/id | None | upside_2027q3_other_settlement_use |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_other_settlement_use:upside/value | None | 28.0 |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2027q3_service_revenue |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2027q3_interest_income |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2027q3_loan_sale_gain |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/id | None | upside_2027q3_pre_presentation_revenue |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_pre_presentation_revenue:upside/value | None | 1604.0 |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/id | None | upside_2027q3_presentation_ratio |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/formula/refs/0 | None | upside_2027q3_gmv |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/formula/refs/1 | None | upside_2027q3_presentation_ratio |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/id | None | upside_2027q3_presentation_reduction |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_presentation_reduction:upside/value | None | 54.0 |
| /operating_model/cells/upside_2027q3_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2027q3_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_processing_cost:upside/formula/refs/0 | None | upside_2027q3_gmv |
| /operating_model/cells/upside_2027q3_processing_cost:upside/formula/refs/1 | None | upside_2027q3_processing_ratio |
| /operating_model/cells/upside_2027q3_processing_cost:upside/id | None | upside_2027q3_processing_cost |
| /operating_model/cells/upside_2027q3_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2027q3_processing_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_processing_cost:upside/value | None | 351.0 |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/id | None | upside_2027q3_processing_ratio |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/formula/refs/0 | None | upside_2027q3_processing_cost |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/formula/refs/1 | None | upside_2027q3_credit_expense |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/formula/refs/2 | None | upside_2027q3_funding_cost |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/id | None | upside_2027q3_raw_transaction_cost |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_raw_transaction_cost:upside/value | None | 904.0 |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/id | None | upside_2027q3_recognition_timing |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_recognition_timing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q3_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_restructuring:upside/id | None | upside_2027q3_restructuring |
| /operating_model/cells/upside_2027q3_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2027q3_restructuring:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2027q3_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2027q3_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/0 | None | upside_2027q3_pre_presentation_revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/1 | None | upside_2027q3_presentation_reduction |
| /operating_model/cells/upside_2027q3_revenue:upside/id | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_revenue:upside/value | None | 1550.0 |
| /operating_model/cells/upside_2027q3_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2027q3_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_sbc:upside/id | None | upside_2027q3_sbc |
| /operating_model/cells/upside_2027q3_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2027q3_sbc:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_sbc:upside/value | None | 61.0 |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/id | None | upside_2027q3_senior_deployment |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_senior_deployment:upside/value | None | 290.0 |
| /operating_model/cells/upside_2027q3_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2027q3_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_service_revenue:upside/formula/refs/0 | None | upside_2027q3_gmv |
| /operating_model/cells/upside_2027q3_service_revenue:upside/formula/refs/1 | None | upside_2027q3_service_yield |
| /operating_model/cells/upside_2027q3_service_revenue:upside/id | None | upside_2027q3_service_revenue |
| /operating_model/cells/upside_2027q3_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2027q3_service_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_service_revenue:upside/value | None | 1174.0 |
| /operating_model/cells/upside_2027q3_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_service_yield:upside/id | None | upside_2027q3_service_yield |
| /operating_model/cells/upside_2027q3_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2027q3_service_yield:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_service_yield:upside/value | None | 0.02174074074074074 |
| /operating_model/cells/upside_2027q3_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2027q3_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_tmd:upside/formula/refs/0 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_tmd:upside/formula/refs/1 | None | upside_2027q3_transaction_cost |
| /operating_model/cells/upside_2027q3_tmd:upside/id | None | upside_2027q3_tmd |
| /operating_model/cells/upside_2027q3_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2027q3_tmd:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_tmd:upside/value | None | 700.0 |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/formula/refs/0 | None | upside_2027q3_raw_transaction_cost |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/formula/refs/1 | None | upside_2027q3_accounting_reductions |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/id | None | upside_2027q3_transaction_cost |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_transaction_cost:upside/value | None | 850.0 |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/id | None | upside_2027q3_treasury_deployment |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_treasury_deployment:upside/value | None | 200.0 |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/basis | None | Matched presentation does not itself change TMD; timing can. |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/formula/refs/0 | None | upside_2027q4_presentation_reduction |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/formula/refs/1 | None | upside_2027q4_recognition_timing |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/id | None | upside_2027q4_accounting_reductions |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/label | None | Presentation and timing cost reductions |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_accounting_reductions:upside/value | None | 67.0 |
| /operating_model/cells/upside_2027q4_adj_operating:upside/basis | None | Q3 investment expense precedes holiday-quarter volume. |
| /operating_model/cells/upside_2027q4_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_adj_operating:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_adj_operating:upside/formula/refs/0 | None | upside_2027q4_tmd |
| /operating_model/cells/upside_2027q4_adj_operating:upside/formula/refs/1 | None | upside_2027q4_adjusted_opex |
| /operating_model/cells/upside_2027q4_adj_operating:upside/id | None | upside_2027q4_adj_operating |
| /operating_model/cells/upside_2027q4_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_adj_operating:upside/label | None | Adjusted operating income |
| /operating_model/cells/upside_2027q4_adj_operating:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_adj_operating:upside/value | None | 350.0 |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/id | None | upside_2027q4_adjusted_opex |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/label | None | Adjusted operating expenses |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_adjusted_opex:upside/value | None | 540.0 |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/basis | None | All are within the issuer operating cash classification. |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/formula/refs/0 | None | upside_2027q4_loan_deployment |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/formula/refs/1 | None | upside_2027q4_senior_deployment |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/formula/refs/2 | None | upside_2027q4_treasury_deployment |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/id | None | upside_2027q4_bank_asset_deployment |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/label | None | Loan senior and treasury investment |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_bank_asset_deployment:upside/value | None | 1225.0 |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/basis | None | Deposits fund assets and are repayable liabilities. |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/formula/refs/0 | None | upside_2027q4_cash_before_bank_balances |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/formula/refs/1 | None | upside_2027q4_deposit_flow |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/formula/refs/2 | None | upside_2027q4_operating_notes_flow |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/id | None | upside_2027q4_bank_funding_inflow |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/label | None | Cash before deployment plus bank funding |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_bank_funding_inflow:upside/value | None | 1047.5 |
| /operating_model/cells/upside_2027q4_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_capex:upside/id | None | upside_2027q4_capex |
| /operating_model/cells/upside_2027q4_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_capex:upside/label | None | Cash intangibles and fixed assets |
| /operating_model/cells/upside_2027q4_capex:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_capex:upside/value | None | 15.0 |
| /operating_model/cells/upside_2027q4_capital_cash:upside/basis | None | Other financing cash excluded. |
| /operating_model/cells/upside_2027q4_capital_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_capital_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_capital_cash:upside/formula/refs/0 | None | upside_2027q4_capex |
| /operating_model/cells/upside_2027q4_capital_cash:upside/formula/refs/1 | None | upside_2027q4_lease_principal |
| /operating_model/cells/upside_2027q4_capital_cash:upside/id | None | upside_2027q4_capital_cash |
| /operating_model/cells/upside_2027q4_capital_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_capital_cash:upside/label | None | Capex and lease principal |
| /operating_model/cells/upside_2027q4_capital_cash:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_capital_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_capital_cash:upside/value | None | 20.0 |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/basis | None | Not distributable bank capital or a forecast of parent liquidity. |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/formula/refs/0 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/formula/refs/1 | None | upside_2027q4_capital_cash |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/id | None | upside_2027q4_cash_after_capex |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/label | None | Bank CFO after capex and leases |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_after_capex:upside/value | None | -197.5 |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/basis | None | Analytical component, not normalized bank FCF. |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/formula/refs/0 | None | upside_2027q4_noncash_credit_bridge |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/formula/refs/1 | None | upside_2027q4_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/id | None | upside_2027q4_cash_before_bank_balances |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/label | None | Operating cash before bank balance deployment |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_before_bank_balances:upside/value | None | 597.5 |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/basis | None | Reverse noncash gain/timing benefit; no second deduction of funding interest already in TMD. |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/refs/0 | None | upside_2027q4_loan_sale_gain |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/refs/1 | None | upside_2027q4_recognition_timing |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/refs/2 | None | upside_2027q4_restructuring |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/refs/3 | None | upside_2027q4_cash_tax |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/formula/refs/4 | None | upside_2027q4_other_settlement_use |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/id | None | upside_2027q4_cash_earnings_adjustment |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/label | None | Loan gains timing and cash uses |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_earnings_adjustment:upside/value | None | 191.0 |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/basis | None | Calibrated blended funding budget; not the rate or draw on an individual bank facility. |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/id | None | upside_2027q4_cash_funding_expense |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/label | None | Accrued deposit and other interest/funding cost |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_funding_expense:upside/value | None | 203.0 |
| /operating_model/cells/upside_2027q4_cash_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_tax:upside/id | None | upside_2027q4_cash_tax |
| /operating_model/cells/upside_2027q4_cash_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_tax:upside/label | None | Cash income taxes |
| /operating_model/cells/upside_2027q4_cash_tax:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_tax:upside/value | None | 22.0 |
| /operating_model/cells/upside_2027q4_cfo:upside/basis | None | No industrial CFO interpretation. |
| /operating_model/cells/upside_2027q4_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/refs/0 | None | upside_2027q4_bank_funding_inflow |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/refs/1 | None | upside_2027q4_bank_asset_deployment |
| /operating_model/cells/upside_2027q4_cfo:upside/id | None | upside_2027q4_cfo |
| /operating_model/cells/upside_2027q4_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cfo:upside/label | None | Bank operating cash flow proxy |
| /operating_model/cells/upside_2027q4_cfo:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cfo:upside/value | None | -177.5 |
| /operating_model/cells/upside_2027q4_credit_expense:upside/basis | None | Portfolio/mix sensitivity, not a cumulative vintage loss rate. |
| /operating_model/cells/upside_2027q4_credit_expense:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_credit_expense:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_credit_expense:upside/formula/refs/0 | None | upside_2027q4_gmv |
| /operating_model/cells/upside_2027q4_credit_expense:upside/formula/refs/1 | None | upside_2027q4_credit_ratio |
| /operating_model/cells/upside_2027q4_credit_expense:upside/id | None | upside_2027q4_credit_expense |
| /operating_model/cells/upside_2027q4_credit_expense:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_credit_expense:upside/label | None | Pre-presentation credit expense sensitivity |
| /operating_model/cells/upside_2027q4_credit_expense:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_credit_expense:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_credit_expense:upside/value | None | 368.5 |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/id | None | upside_2027q4_credit_ratio |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/label | None | Credit expense / GMV |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_credit_ratio:upside/value | None | 0.0055 |
| /operating_model/cells/upside_2027q4_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_da:upside/id | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_da:upside/label | None | Adjusted reconciliation D&A |
| /operating_model/cells/upside_2027q4_da:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_da:upside/value | None | 29.0 |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/id | None | upside_2027q4_deposit_flow |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/label | None | Consumer deposit net cash inflow |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_deposit_flow:upside/value | None | 450.0 |
| /operating_model/cells/upside_2027q4_funding_cost:upside/basis | None | Interest already included in transaction costs and is not deducted again from cash earnings. |
| /operating_model/cells/upside_2027q4_funding_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_funding_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_funding_cost:upside/formula/refs/0 | None | upside_2027q4_cash_funding_expense |
| /operating_model/cells/upside_2027q4_funding_cost:upside/formula/refs/1 | None | upside_2027q4_funding_fv |
| /operating_model/cells/upside_2027q4_funding_cost:upside/id | None | upside_2027q4_funding_cost |
| /operating_model/cells/upside_2027q4_funding_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_funding_cost:upside/label | None | Interest and fair-value funding expense |
| /operating_model/cells/upside_2027q4_funding_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_funding_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_funding_cost:upside/value | None | 273.0 |
| /operating_model/cells/upside_2027q4_funding_fv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_funding_fv:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_funding_fv:upside/id | None | upside_2027q4_funding_fv |
| /operating_model/cells/upside_2027q4_funding_fv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_funding_fv:upside/label | None | Funding fair-value expense |
| /operating_model/cells/upside_2027q4_funding_fv:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_funding_fv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_funding_fv:upside/value | None | 70.0 |
| /operating_model/cells/upside_2027q4_gmv:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_gmv:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_gmv:upside/id | None | upside_2027q4_gmv |
| /operating_model/cells/upside_2027q4_gmv:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_gmv:upside/label | None | Gross merchandise volume |
| /operating_model/cells/upside_2027q4_gmv:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_gmv:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_gmv:upside/value | None | 67000.0 |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/basis | None | Not GAAP; no future litigation award or recurring rounding residual. |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/formula/refs/0 | None | upside_2027q4_sbc |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/formula/refs/1 | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/formula/refs/2 | None | upside_2027q4_restructuring |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/id | None | upside_2027q4_ifrs_adjustments |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/label | None | SBC D&A and restructuring |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_ifrs_adjustments:upside/value | None | 98.0 |
| /operating_model/cells/upside_2027q4_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_interest_income:upside/id | None | upside_2027q4_interest_income |
| /operating_model/cells/upside_2027q4_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_interest_income:upside/label | None | Interest income on financing receivables |
| /operating_model/cells/upside_2027q4_interest_income:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_interest_income:upside/value | None | 320.0 |
| /operating_model/cells/upside_2027q4_lease_principal:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_lease_principal:upside/id | None | upside_2027q4_lease_principal |
| /operating_model/cells/upside_2027q4_lease_principal:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_lease_principal:upside/label | None | Lease principal payments |
| /operating_model/cells/upside_2027q4_lease_principal:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_lease_principal:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/basis | None | Cash originations less actual sale and collection cash, including sale proceeds. No unlimited forward-flow assumption. |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/id | None | upside_2027q4_loan_deployment |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/label | None | Net loan cash deployment after sales/collections |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_loan_deployment:upside/value | None | 650.0 |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/id | None | upside_2027q4_loan_sale_gain |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/label | None | Gain on sale and fair-value origination income |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_loan_sale_gain:upside/value | None | 135.0 |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/basis | None | Cash credit losses are reflected in net loan sales/collections/deployment below. |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/formula/refs/0 | None | upside_2027q4_adj_operating |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/formula/refs/1 | None | upside_2027q4_credit_expense |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/formula/refs/2 | None | upside_2027q4_funding_fv |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/id | None | upside_2027q4_noncash_credit_bridge |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/label | None | Adjusted profit plus credit/fair-value expense |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_noncash_credit_bridge:upside/value | None | 788.5 |
| /operating_model/cells/upside_2027q4_operating_income:upside/basis | None | Retains compensation and capitalized technology amortization. |
| /operating_model/cells/upside_2027q4_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/refs/0 | None | upside_2027q4_adj_operating |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/refs/1 | None | upside_2027q4_ifrs_adjustments |
| /operating_model/cells/upside_2027q4_operating_income:upside/id | None | upside_2027q4_operating_income |
| /operating_model/cells/upside_2027q4_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_operating_income:upside/label | None | IFRS operating profit proxy |
| /operating_model/cells/upside_2027q4_operating_income:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_operating_income:upside/value | None | 252.0 |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/id | None | upside_2027q4_operating_notes_flow |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/label | None | Operating-classified borrowing cash |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_operating_notes_flow:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/id | None | upside_2027q4_other_settlement_use |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/label | None | Other interest/accrual/operating settlement use |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_other_settlement_use:upside/value | None | 30.0 |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/basis | None | Gain on sale is income, not principal proceeds. |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/formula/refs/0 | None | upside_2027q4_service_revenue |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/formula/refs/1 | None | upside_2027q4_interest_income |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/formula/refs/2 | None | upside_2027q4_loan_sale_gain |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/id | None | upside_2027q4_pre_presentation_revenue |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/label | None | Revenue before presentation adjustment |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_pre_presentation_revenue:upside/value | None | 1967.0 |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/basis | None | Desk allocation of described approximate 10bp presentation effect; prospective H2 change, not an economic cost saving. |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/id | None | upside_2027q4_presentation_ratio |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/label | None | Presentation reduction / GMV |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_presentation_ratio:upside/value | None | 0.001 |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/basis | None | Equal reduction on both sides of transaction margin. |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/formula/refs/0 | None | upside_2027q4_gmv |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/formula/refs/1 | None | upside_2027q4_presentation_ratio |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/id | None | upside_2027q4_presentation_reduction |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/label | None | Matched revenue/cost presentation reduction |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_presentation_reduction:upside/value | None | 67.0 |
| /operating_model/cells/upside_2027q4_processing_cost:upside/basis | None | Transaction processing and servicing economics. |
| /operating_model/cells/upside_2027q4_processing_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_processing_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_processing_cost:upside/formula/refs/0 | None | upside_2027q4_gmv |
| /operating_model/cells/upside_2027q4_processing_cost:upside/formula/refs/1 | None | upside_2027q4_processing_ratio |
| /operating_model/cells/upside_2027q4_processing_cost:upside/id | None | upside_2027q4_processing_cost |
| /operating_model/cells/upside_2027q4_processing_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_processing_cost:upside/label | None | Processing and servicing expense |
| /operating_model/cells/upside_2027q4_processing_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_processing_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_processing_cost:upside/value | None | 435.5 |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/id | None | upside_2027q4_processing_ratio |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/label | None | Processing/servicing per GMV |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_processing_ratio:upside/value | None | 0.0065 |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/basis | None | Cost perimeter matches transaction margin. |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/formula/refs/0 | None | upside_2027q4_processing_cost |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/formula/refs/1 | None | upside_2027q4_credit_expense |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/formula/refs/2 | None | upside_2027q4_funding_cost |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/id | None | upside_2027q4_raw_transaction_cost |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/label | None | Processing credit and funding cost |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_raw_transaction_cost:upside/value | None | 1077.0 |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/basis | None | Base H2 totals $30M, about two basis points of $150B annual GMV; distinct from matched presentation shift. Not perpetual economic improvement. |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/id | None | upside_2027q4_recognition_timing |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/label | None | Incremental recognition-timing benefit |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_recognition_timing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q4_restructuring:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_restructuring:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_restructuring:upside/id | None | upside_2027q4_restructuring |
| /operating_model/cells/upside_2027q4_restructuring:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_restructuring:upside/label | None | Cash restructuring/other adjustment |
| /operating_model/cells/upside_2027q4_restructuring:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_restructuring:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_restructuring:upside/value | None | 4.0 |
| /operating_model/cells/upside_2027q4_revenue:upside/basis | None | Base recognized revenue calibrates to updated company guide. |
| /operating_model/cells/upside_2027q4_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/0 | None | upside_2027q4_pre_presentation_revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/1 | None | upside_2027q4_presentation_reduction |
| /operating_model/cells/upside_2027q4_revenue:upside/id | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_revenue:upside/label | None | Reported IFRS revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_revenue:upside/value | None | 1900.0 |
| /operating_model/cells/upside_2027q4_sbc:upside/basis | None | Desk equity cost allocation; company expects Q3 to carry the highest 2026 level. No future stock-price valuation assumed. |
| /operating_model/cells/upside_2027q4_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_sbc:upside/id | None | upside_2027q4_sbc |
| /operating_model/cells/upside_2027q4_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_sbc:upside/label | None | Share-based payments |
| /operating_model/cells/upside_2027q4_sbc:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_sbc:upside/value | None | 65.0 |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/id | None | upside_2027q4_senior_deployment |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/label | None | Senior funding to forward-flow counterparties |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_senior_deployment:upside/value | None | 350.0 |
| /operating_model/cells/upside_2027q4_service_revenue:upside/basis | None | Subscriptions and fee mix included once; not a pure merchant contractual take rate. |
| /operating_model/cells/upside_2027q4_service_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_service_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_service_revenue:upside/formula/refs/0 | None | upside_2027q4_gmv |
| /operating_model/cells/upside_2027q4_service_revenue:upside/formula/refs/1 | None | upside_2027q4_service_yield |
| /operating_model/cells/upside_2027q4_service_revenue:upside/id | None | upside_2027q4_service_revenue |
| /operating_model/cells/upside_2027q4_service_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_service_revenue:upside/label | None | Transaction and service revenue |
| /operating_model/cells/upside_2027q4_service_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_service_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_service_revenue:upside/value | None | 1512.0 |
| /operating_model/cells/upside_2027q4_service_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_service_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_service_yield:upside/id | None | upside_2027q4_service_yield |
| /operating_model/cells/upside_2027q4_service_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_service_yield:upside/label | None | Mixed transaction/service realization |
| /operating_model/cells/upside_2027q4_service_yield:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_service_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_service_yield:upside/value | None | 0.02256716417910448 |
| /operating_model/cells/upside_2027q4_tmd:upside/basis | None | Stable under equal revenue/cost presentation changes. |
| /operating_model/cells/upside_2027q4_tmd:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_tmd:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_tmd:upside/formula/refs/0 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_tmd:upside/formula/refs/1 | None | upside_2027q4_transaction_cost |
| /operating_model/cells/upside_2027q4_tmd:upside/id | None | upside_2027q4_tmd |
| /operating_model/cells/upside_2027q4_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_tmd:upside/label | None | Transaction margin dollars |
| /operating_model/cells/upside_2027q4_tmd:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_tmd:upside/value | None | 890.0 |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/basis | None | All lending accounting effects are explicit desk sensitivities. |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/formula/refs/0 | None | upside_2027q4_raw_transaction_cost |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/formula/refs/1 | None | upside_2027q4_accounting_reductions |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/id | None | upside_2027q4_transaction_cost |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/label | None | Reported transaction costs |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_transaction_cost:upside/value | None | 1010.0 |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/id | None | upside_2027q4_treasury_deployment |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/label | None | Net treasury investment cash |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_treasury_deployment:upside/value | None | 225.0 |
| /operating_model/cells/upside_fy2026_adj_operating:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_adj_operating:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_adj_operating:upside/formula/refs/0 | None | h1_adj_operating |
| /operating_model/cells/upside_fy2026_adj_operating:upside/formula/refs/1 | None | upside_2026q3_adj_operating |
| /operating_model/cells/upside_fy2026_adj_operating:upside/formula/refs/2 | None | upside_2026q4_adj_operating |
| /operating_model/cells/upside_fy2026_adj_operating:upside/id | None | upside_fy2026_adj_operating |
| /operating_model/cells/upside_fy2026_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_adj_operating:upside/label | None | Adjusted operating income ($M) |
| /operating_model/cells/upside_fy2026_adj_operating:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_adj_operating:upside/value | None | 359.0000000000002 |
| /operating_model/cells/upside_fy2026_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/0 | None | h1_capex |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/1 | None | upside_2026q3_capex |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/2 | None | upside_2026q4_capex |
| /operating_model/cells/upside_fy2026_capex:upside/id | None | upside_fy2026_capex |
| /operating_model/cells/upside_fy2026_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_capex:upside/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/upside_fy2026_capex:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_capex:upside/value | None | 37.0 |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/formula/refs/0 | None | h1_cash_after_capex |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/formula/refs/1 | None | upside_2026q3_cash_after_capex |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/formula/refs/2 | None | upside_2026q4_cash_after_capex |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/id | None | upside_fy2026_cash_after_capex |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cash_after_capex:upside/value | None | -1555.35 |
| /operating_model/cells/upside_fy2026_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/1 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/2 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/id | None | upside_fy2026_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cfo:upside/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/upside_fy2026_cfo:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cfo:upside/value | None | -1499.35 |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/formula/refs/0 | None | h1_deposit_flow |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/formula/refs/1 | None | upside_2026q3_deposit_flow |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/formula/refs/2 | None | upside_2026q4_deposit_flow |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/id | None | upside_fy2026_deposit_flow |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_deposit_flow:upside/value | None | -204.0 |
| /operating_model/cells/upside_fy2026_lease_principal:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_lease_principal:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_lease_principal:upside/formula/refs/0 | None | h1_lease_principal |
| /operating_model/cells/upside_fy2026_lease_principal:upside/formula/refs/1 | None | upside_2026q3_lease_principal |
| /operating_model/cells/upside_fy2026_lease_principal:upside/formula/refs/2 | None | upside_2026q4_lease_principal |
| /operating_model/cells/upside_fy2026_lease_principal:upside/id | None | upside_fy2026_lease_principal |
| /operating_model/cells/upside_fy2026_lease_principal:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_lease_principal:upside/label | None | Lease principal cash ($M) |
| /operating_model/cells/upside_fy2026_lease_principal:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_lease_principal:upside/value | None | 19.0 |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/formula/refs/0 | None | h1_loan_deployment |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/formula/refs/1 | None | upside_2026q3_loan_deployment |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/formula/refs/2 | None | upside_2026q4_loan_deployment |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/id | None | upside_fy2026_loan_deployment |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_loan_deployment:upside/value | None | 624.0 |
| /operating_model/cells/upside_fy2026_operating_income:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/1 | None | upside_2026q3_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/2 | None | upside_2026q4_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/id | None | upside_fy2026_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_operating_income:upside/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/upside_fy2026_operating_income:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_operating_income:upside/value | None | 43.00000000000023 |
| /operating_model/cells/upside_fy2026_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/1 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/2 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/id | None | upside_fy2026_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_revenue:upside/label | None | IFRS total revenue ($M) |
| /operating_model/cells/upside_fy2026_revenue:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_revenue:upside/value | None | 4334.0 |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/formula/refs/0 | None | h1_senior_deployment |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/formula/refs/1 | None | upside_2026q3_senior_deployment |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/formula/refs/2 | None | upside_2026q4_senior_deployment |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/id | None | upside_fy2026_senior_deployment |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_senior_deployment:upside/value | None | 885.0 |
| /operating_model/cells/upside_fy2026_tmd:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_tmd:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_tmd:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_tmd:upside/formula/refs/0 | None | h1_tmd |
| /operating_model/cells/upside_fy2026_tmd:upside/formula/refs/1 | None | upside_2026q3_tmd |
| /operating_model/cells/upside_fy2026_tmd:upside/formula/refs/2 | None | upside_2026q4_tmd |
| /operating_model/cells/upside_fy2026_tmd:upside/id | None | upside_fy2026_tmd |
| /operating_model/cells/upside_fy2026_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_tmd:upside/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/upside_fy2026_tmd:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_tmd:upside/value | None | 1715.0000000000002 |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/formula/refs/0 | None | h1_treasury_deployment |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/formula/refs/1 | None | upside_2026q3_treasury_deployment |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/formula/refs/2 | None | upside_2026q4_treasury_deployment |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/id | None | upside_fy2026_treasury_deployment |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_treasury_deployment:upside/value | None | 1342.0 |
| /operating_model/cells/upside_fy2027_adj_operating:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_adj_operating:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_adj_operating:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_adj_operating:upside/formula/refs/0 | None | upside_2027q1_adj_operating |
| /operating_model/cells/upside_fy2027_adj_operating:upside/formula/refs/1 | None | upside_2027q2_adj_operating |
| /operating_model/cells/upside_fy2027_adj_operating:upside/formula/refs/2 | None | upside_2027q3_adj_operating |
| /operating_model/cells/upside_fy2027_adj_operating:upside/formula/refs/3 | None | upside_2027q4_adj_operating |
| /operating_model/cells/upside_fy2027_adj_operating:upside/id | None | upside_fy2027_adj_operating |
| /operating_model/cells/upside_fy2027_adj_operating:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_adj_operating:upside/label | None | Adjusted operating income ($M) |
| /operating_model/cells/upside_fy2027_adj_operating:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_adj_operating:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_adj_operating:upside/value | None | 935.0 |
| /operating_model/cells/upside_fy2027_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/0 | None | upside_2027q1_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/1 | None | upside_2027q2_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/2 | None | upside_2027q3_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/3 | None | upside_2027q4_capex |
| /operating_model/cells/upside_fy2027_capex:upside/id | None | upside_fy2027_capex |
| /operating_model/cells/upside_fy2027_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_capex:upside/label | None | Cash intangible and fixed assets ($M) |
| /operating_model/cells/upside_fy2027_capex:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_capex:upside/value | None | 54.0 |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/formula/refs/0 | None | upside_2027q1_cash_after_capex |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/formula/refs/1 | None | upside_2027q2_cash_after_capex |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/formula/refs/2 | None | upside_2027q3_cash_after_capex |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/formula/refs/3 | None | upside_2027q4_cash_after_capex |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/id | None | upside_fy2027_cash_after_capex |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/label | None | Bank CFO less capex and leases ($M) |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cash_after_capex:upside/value | None | -861.0 |
| /operating_model/cells/upside_fy2027_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/1 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/2 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/3 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/id | None | upside_fy2027_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cfo:upside/label | None | Bank operating cash flow proxy ($M) |
| /operating_model/cells/upside_fy2027_cfo:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cfo:upside/value | None | -787.0 |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/formula/refs/0 | None | upside_2027q1_deposit_flow |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/formula/refs/1 | None | upside_2027q2_deposit_flow |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/formula/refs/2 | None | upside_2027q3_deposit_flow |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/formula/refs/3 | None | upside_2027q4_deposit_flow |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/id | None | upside_fy2027_deposit_flow |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/label | None | Consumer deposit cash inflow ($M) |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_deposit_flow:upside/value | None | 1350.0 |
| /operating_model/cells/upside_fy2027_lease_principal:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_lease_principal:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_lease_principal:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_lease_principal:upside/formula/refs/0 | None | upside_2027q1_lease_principal |
| /operating_model/cells/upside_fy2027_lease_principal:upside/formula/refs/1 | None | upside_2027q2_lease_principal |
| /operating_model/cells/upside_fy2027_lease_principal:upside/formula/refs/2 | None | upside_2027q3_lease_principal |
| /operating_model/cells/upside_fy2027_lease_principal:upside/formula/refs/3 | None | upside_2027q4_lease_principal |
| /operating_model/cells/upside_fy2027_lease_principal:upside/id | None | upside_fy2027_lease_principal |
| /operating_model/cells/upside_fy2027_lease_principal:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_lease_principal:upside/label | None | Lease principal cash ($M) |
| /operating_model/cells/upside_fy2027_lease_principal:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_lease_principal:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_lease_principal:upside/value | None | 20.0 |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/formula/refs/0 | None | upside_2027q1_loan_deployment |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/formula/refs/1 | None | upside_2027q2_loan_deployment |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/formula/refs/2 | None | upside_2027q3_loan_deployment |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/formula/refs/3 | None | upside_2027q4_loan_deployment |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/id | None | upside_fy2027_loan_deployment |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/label | None | Net consumer-loan cash deployment ($M) |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_loan_deployment:upside/value | None | 2000.0 |
| /operating_model/cells/upside_fy2027_operating_income:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/0 | None | upside_2027q1_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/1 | None | upside_2027q2_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/2 | None | upside_2027q3_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/3 | None | upside_2027q4_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/id | None | upside_fy2027_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_operating_income:upside/label | None | IFRS operating profit proxy ($M) |
| /operating_model/cells/upside_fy2027_operating_income:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_operating_income:upside/value | None | 573.0 |
| /operating_model/cells/upside_fy2027_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/1 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/2 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/3 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/id | None | upside_fy2027_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_revenue:upside/label | None | IFRS total revenue ($M) |
| /operating_model/cells/upside_fy2027_revenue:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_revenue:upside/value | None | 6200.0 |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/formula/refs/0 | None | upside_2027q1_senior_deployment |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/formula/refs/1 | None | upside_2027q2_senior_deployment |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/formula/refs/2 | None | upside_2027q3_senior_deployment |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/formula/refs/3 | None | upside_2027q4_senior_deployment |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/id | None | upside_fy2027_senior_deployment |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/label | None | Net forward-flow senior funding ($M) |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_senior_deployment:upside/value | None | 1080.0 |
| /operating_model/cells/upside_fy2027_tmd:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_tmd:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_tmd:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_tmd:upside/formula/refs/0 | None | upside_2027q1_tmd |
| /operating_model/cells/upside_fy2027_tmd:upside/formula/refs/1 | None | upside_2027q2_tmd |
| /operating_model/cells/upside_fy2027_tmd:upside/formula/refs/2 | None | upside_2027q3_tmd |
| /operating_model/cells/upside_fy2027_tmd:upside/formula/refs/3 | None | upside_2027q4_tmd |
| /operating_model/cells/upside_fy2027_tmd:upside/id | None | upside_fy2027_tmd |
| /operating_model/cells/upside_fy2027_tmd:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_tmd:upside/label | None | Transaction margin dollars ($M) |
| /operating_model/cells/upside_fy2027_tmd:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_tmd:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_tmd:upside/value | None | 2760.0 |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/formula/refs/0 | None | upside_2027q1_treasury_deployment |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/formula/refs/1 | None | upside_2027q2_treasury_deployment |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/formula/refs/2 | None | upside_2027q3_treasury_deployment |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/formula/refs/3 | None | upside_2027q4_treasury_deployment |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/id | None | upside_fy2027_treasury_deployment |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/label | None | Treasury asset cash deployment ($M) |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_treasury_deployment:upside/value | None | 750.0 |
| /operating_model/highlights/0 | None | q2_gmv |
| /operating_model/highlights/1 | None | q3_revenue |
| /operating_model/highlights/10 | None | h1_cash_after_capex |
| /operating_model/highlights/11 | None | cash |
| /operating_model/highlights/12 | None | consumer_deposits |
| /operating_model/highlights/13 | None | amortized_receivables |
| /operating_model/highlights/14 | None | fvoci_receivables |
| /operating_model/highlights/15 | None | fvtpl_receivables |
| /operating_model/highlights/16 | None | senior_funding_assets |
| /operating_model/highlights/17 | None | notes_and_borrowings |
| /operating_model/highlights/2 | None | fy26_revenue |
| /operating_model/highlights/3 | None | q3_adj_op |
| /operating_model/highlights/4 | None | fy26_adj_op |
| /operating_model/highlights/5 | None | h1_tmd |
| /operating_model/highlights/6 | None | h1_rounding_residual |
| /operating_model/highlights/7 | None | h1_cfo |
| /operating_model/highlights/8 | None | h1_selected_balance_flows |
| /operating_model/highlights/9 | None | h1_cash_before_balances |
| /operating_model/limitations/0 | None | Klarna reports IFRS, and its bank cash-flow classification differs from an industrial company. Deposits, some borrowings, lending and treasury investment are inside operating cash. CFO less capex/lease cash is not industrial FCF or distributable bank capital. |
| /operating_model/limitations/1 | None | The Q2 supplementary financial tables furnish eight historical income-statement quarters even though the SEC companyfacts feed has none. Missing quarter cash-flow, EPS and ownership facts remain unavailable; seven quarter-end cash balances are sourced without fabricating the eighth. |
| /operating_model/limitations/2 | None | H2 US/German Fair Financing presentation reduces both revenue and transaction costs, while recognition timing can improve TMD. The model tests these separately. A lower reported take rate is not automatically weaker unit economics. |
| /operating_model/limitations/3 | None | Mixed transaction/service yield includes subscription and other merchant/consumer services. ARPAC is trailing annual revenue per active consumer, not a quarterly fee; subscriptions are not added again as an invented segment. |
| /operating_model/limitations/4 | None | Base annual TMD targets approximately 30% growth and Q3 guidance $340-360M; the remaining-quarter cost budget is calibrated, not independently guided. Quarter allocation, credit curves, FX, cash settlement and all FY2027 figures are desk assumptions. |
| /operating_model/limitations/5 | None | Gain on sale and fair-value marks are accounting income/expense. Their cash effects must pass through actual loan sales and net loan funding; no assumption of unlimited receivable offloading or zero retained exposure. |
| /operating_model/limitations/6 | None | The July $518M significant risk transfer reduces risk/capital requirements on a reference portfolio while receivables remain on balance sheet. It is not $518M revenue or a sale removing the whole reference portfolio. |
| /operating_model/limitations/7 | None | PriceRunner litigation was appealed by both parties. No recovery is recognized or forecast; any eventual proceeds would face funding, insurance, former-owner sharing and tax claims. A gross award is not cash available to Klarna shareholders. |
| /operating_model/limitations/8 | None | Apple Upgrade creates financing receivables and servicing obligations. A U.S. bank application is not approval; no incremental U.S. deposit-funding benefit is assumed. Rounded statement figures can differ by $1M; reconciliation identifies the residual. |
| /operating_model/limitations/9 | None | No full deposit maturity, regulatory capital, diluted ownership or parent liquidity model. Other financing proceeds, debt principal, dividends and external capital are outside forecast cash after capex/leases. |
| /operating_model/method | None | Drive transaction/service revenue from GMV and a mixed realization factor, with interest income and receivable-sale gains separately. Deduct processing, credit and funding costs. Apply the H2 fair-value presentation reduction equally to revenue and transaction costs, while identifying its separate recognition-timing benefit. Base Q3 and FY2026 revenue/adjusted operating income match updated guidance; annual TMD grows about 30%. Bridge to IFRS operating profit and model loan deployment, senior funding to forward-flow counterparties, deposits and treasury investment inside bank operating cash. Loan sales and deposits are not owner income. |
| /operating_model/metrics/adj_operating | None | Adjusted operating income ($M) |
| /operating_model/metrics/capex | None | Cash intangible and fixed assets ($M) |
| /operating_model/metrics/cash_after_capex | None | Bank CFO less capex and leases ($M) |
| /operating_model/metrics/cfo | None | Bank operating cash flow proxy ($M) |
| /operating_model/metrics/deposit_flow | None | Consumer deposit cash inflow ($M) |
| /operating_model/metrics/lease_principal | None | Lease principal cash ($M) |
| /operating_model/metrics/loan_deployment | None | Net consumer-loan cash deployment ($M) |
| /operating_model/metrics/operating_income | None | IFRS operating profit proxy ($M) |
| /operating_model/metrics/revenue | None | IFRS total revenue ($M) |
| /operating_model/metrics/senior_deployment | None | Net forward-flow senior funding ($M) |
| /operating_model/metrics/tmd | None | Transaction margin dollars ($M) |
| /operating_model/metrics/treasury_deployment | None | Treasury asset cash deployment ($M) |
| /operating_model/outputs/2026Q3:base/case | None | base |
| /operating_model/outputs/2026Q3:base/frequency | None | quarter |
| /operating_model/outputs/2026Q3:base/metrics/adj_operating | None | base_2026q3_adj_operating |
| /operating_model/outputs/2026Q3:base/metrics/capex | None | base_2026q3_capex |
| /operating_model/outputs/2026Q3:base/metrics/cash_after_capex | None | base_2026q3_cash_after_capex |
| /operating_model/outputs/2026Q3:base/metrics/cfo | None | base_2026q3_cfo |
| /operating_model/outputs/2026Q3:base/metrics/deposit_flow | None | base_2026q3_deposit_flow |
| /operating_model/outputs/2026Q3:base/metrics/lease_principal | None | base_2026q3_lease_principal |
| /operating_model/outputs/2026Q3:base/metrics/loan_deployment | None | base_2026q3_loan_deployment |
| /operating_model/outputs/2026Q3:base/metrics/operating_income | None | base_2026q3_operating_income |
| /operating_model/outputs/2026Q3:base/metrics/revenue | None | base_2026q3_revenue |
| /operating_model/outputs/2026Q3:base/metrics/senior_deployment | None | base_2026q3_senior_deployment |
| /operating_model/outputs/2026Q3:base/metrics/tmd | None | base_2026q3_tmd |
| /operating_model/outputs/2026Q3:base/metrics/treasury_deployment | None | base_2026q3_treasury_deployment |
| /operating_model/outputs/2026Q3:base/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:base/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:base/values/adj_operating | None | 10.0 |
| /operating_model/outputs/2026Q3:base/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:base/values/cash_after_capex | None | -330.25 |
| /operating_model/outputs/2026Q3:base/values/cfo | None | -315.25 |
| /operating_model/outputs/2026Q3:base/values/deposit_flow | None | -100.0 |
| /operating_model/outputs/2026Q3:base/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q3:base/values/loan_deployment | None | 150.0 |
| /operating_model/outputs/2026Q3:base/values/operating_income | None | -113.0 |
| /operating_model/outputs/2026Q3:base/values/revenue | None | 960.0 |
| /operating_model/outputs/2026Q3:base/values/senior_deployment | None | 120.0 |
| /operating_model/outputs/2026Q3:base/values/tmd | None | 350.0 |
| /operating_model/outputs/2026Q3:base/values/treasury_deployment | None | 100.0 |
| /operating_model/outputs/2026Q3:downside/case | None | downside |
| /operating_model/outputs/2026Q3:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:downside/metrics/adj_operating | None | downside_2026q3_adj_operating |
| /operating_model/outputs/2026Q3:downside/metrics/capex | None | downside_2026q3_capex |
| /operating_model/outputs/2026Q3:downside/metrics/cash_after_capex | None | downside_2026q3_cash_after_capex |
| /operating_model/outputs/2026Q3:downside/metrics/cfo | None | downside_2026q3_cfo |
| /operating_model/outputs/2026Q3:downside/metrics/deposit_flow | None | downside_2026q3_deposit_flow |
| /operating_model/outputs/2026Q3:downside/metrics/lease_principal | None | downside_2026q3_lease_principal |
| /operating_model/outputs/2026Q3:downside/metrics/loan_deployment | None | downside_2026q3_loan_deployment |
| /operating_model/outputs/2026Q3:downside/metrics/operating_income | None | downside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:downside/metrics/revenue | None | downside_2026q3_revenue |
| /operating_model/outputs/2026Q3:downside/metrics/senior_deployment | None | downside_2026q3_senior_deployment |
| /operating_model/outputs/2026Q3:downside/metrics/tmd | None | downside_2026q3_tmd |
| /operating_model/outputs/2026Q3:downside/metrics/treasury_deployment | None | downside_2026q3_treasury_deployment |
| /operating_model/outputs/2026Q3:downside/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:downside/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:downside/values/adj_operating | None | -80.0 |
| /operating_model/outputs/2026Q3:downside/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:downside/values/cash_after_capex | None | -667.0 |
| /operating_model/outputs/2026Q3:downside/values/cfo | None | -652.0 |
| /operating_model/outputs/2026Q3:downside/values/deposit_flow | None | -400.0 |
| /operating_model/outputs/2026Q3:downside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q3:downside/values/loan_deployment | None | 200.0 |
| /operating_model/outputs/2026Q3:downside/values/operating_income | None | -203.0 |
| /operating_model/outputs/2026Q3:downside/values/revenue | None | 900.0 |
| /operating_model/outputs/2026Q3:downside/values/senior_deployment | None | 150.0 |
| /operating_model/outputs/2026Q3:downside/values/tmd | None | 270.0 |
| /operating_model/outputs/2026Q3:downside/values/treasury_deployment | None | 0.0 |
| /operating_model/outputs/2026Q3:upside/case | None | upside |
| /operating_model/outputs/2026Q3:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:upside/metrics/adj_operating | None | upside_2026q3_adj_operating |
| /operating_model/outputs/2026Q3:upside/metrics/capex | None | upside_2026q3_capex |
| /operating_model/outputs/2026Q3:upside/metrics/cash_after_capex | None | upside_2026q3_cash_after_capex |
| /operating_model/outputs/2026Q3:upside/metrics/cfo | None | upside_2026q3_cfo |
| /operating_model/outputs/2026Q3:upside/metrics/deposit_flow | None | upside_2026q3_deposit_flow |
| /operating_model/outputs/2026Q3:upside/metrics/lease_principal | None | upside_2026q3_lease_principal |
| /operating_model/outputs/2026Q3:upside/metrics/loan_deployment | None | upside_2026q3_loan_deployment |
| /operating_model/outputs/2026Q3:upside/metrics/operating_income | None | upside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:upside/metrics/revenue | None | upside_2026q3_revenue |
| /operating_model/outputs/2026Q3:upside/metrics/senior_deployment | None | upside_2026q3_senior_deployment |
| /operating_model/outputs/2026Q3:upside/metrics/tmd | None | upside_2026q3_tmd |
| /operating_model/outputs/2026Q3:upside/metrics/treasury_deployment | None | upside_2026q3_treasury_deployment |
| /operating_model/outputs/2026Q3:upside/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:upside/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:upside/values/adj_operating | None | 40.00000000000023 |
| /operating_model/outputs/2026Q3:upside/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:upside/values/cash_after_capex | None | -240.3499999999998 |
| /operating_model/outputs/2026Q3:upside/values/cfo | None | -225.3499999999998 |
| /operating_model/outputs/2026Q3:upside/values/deposit_flow | None | 100.0 |
| /operating_model/outputs/2026Q3:upside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q3:upside/values/loan_deployment | None | 200.0 |
| /operating_model/outputs/2026Q3:upside/values/operating_income | None | -82.99999999999977 |
| /operating_model/outputs/2026Q3:upside/values/revenue | None | 1040.0000000000002 |
| /operating_model/outputs/2026Q3:upside/values/senior_deployment | None | 140.0 |
| /operating_model/outputs/2026Q3:upside/values/tmd | None | 390.0000000000002 |
| /operating_model/outputs/2026Q3:upside/values/treasury_deployment | None | 150.0 |
| /operating_model/outputs/2026Q4:base/case | None | base |
| /operating_model/outputs/2026Q4:base/frequency | None | quarter |
| /operating_model/outputs/2026Q4:base/metrics/adj_operating | None | base_2026q4_adj_operating |
| /operating_model/outputs/2026Q4:base/metrics/capex | None | base_2026q4_capex |
| /operating_model/outputs/2026Q4:base/metrics/cash_after_capex | None | base_2026q4_cash_after_capex |
| /operating_model/outputs/2026Q4:base/metrics/cfo | None | base_2026q4_cfo |
| /operating_model/outputs/2026Q4:base/metrics/deposit_flow | None | base_2026q4_deposit_flow |
| /operating_model/outputs/2026Q4:base/metrics/lease_principal | None | base_2026q4_lease_principal |
| /operating_model/outputs/2026Q4:base/metrics/loan_deployment | None | base_2026q4_loan_deployment |
| /operating_model/outputs/2026Q4:base/metrics/operating_income | None | base_2026q4_operating_income |
| /operating_model/outputs/2026Q4:base/metrics/revenue | None | base_2026q4_revenue |
| /operating_model/outputs/2026Q4:base/metrics/senior_deployment | None | base_2026q4_senior_deployment |
| /operating_model/outputs/2026Q4:base/metrics/tmd | None | base_2026q4_tmd |
| /operating_model/outputs/2026Q4:base/metrics/treasury_deployment | None | base_2026q4_treasury_deployment |
| /operating_model/outputs/2026Q4:base/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:base/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:base/values/adj_operating | None | 121.00000000000011 |
| /operating_model/outputs/2026Q4:base/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:base/values/cash_after_capex | None | -62.953499999999906 |
| /operating_model/outputs/2026Q4:base/values/cfo | None | -46.953499999999906 |
| /operating_model/outputs/2026Q4:base/values/deposit_flow | None | 150.0 |
| /operating_model/outputs/2026Q4:base/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q4:base/values/loan_deployment | None | 250.0 |
| /operating_model/outputs/2026Q4:base/values/operating_income | None | 43.000000000000114 |
| /operating_model/outputs/2026Q4:base/values/revenue | None | 1106.0 |
| /operating_model/outputs/2026Q4:base/values/senior_deployment | None | 150.0 |
| /operating_model/outputs/2026Q4:base/values/tmd | None | 424.4000000000001 |
| /operating_model/outputs/2026Q4:base/values/treasury_deployment | None | 100.0 |
| /operating_model/outputs/2026Q4:downside/case | None | downside |
| /operating_model/outputs/2026Q4:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:downside/metrics/adj_operating | None | downside_2026q4_adj_operating |
| /operating_model/outputs/2026Q4:downside/metrics/capex | None | downside_2026q4_capex |
| /operating_model/outputs/2026Q4:downside/metrics/cash_after_capex | None | downside_2026q4_cash_after_capex |
| /operating_model/outputs/2026Q4:downside/metrics/cfo | None | downside_2026q4_cfo |
| /operating_model/outputs/2026Q4:downside/metrics/deposit_flow | None | downside_2026q4_deposit_flow |
| /operating_model/outputs/2026Q4:downside/metrics/lease_principal | None | downside_2026q4_lease_principal |
| /operating_model/outputs/2026Q4:downside/metrics/loan_deployment | None | downside_2026q4_loan_deployment |
| /operating_model/outputs/2026Q4:downside/metrics/operating_income | None | downside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:downside/metrics/revenue | None | downside_2026q4_revenue |
| /operating_model/outputs/2026Q4:downside/metrics/senior_deployment | None | downside_2026q4_senior_deployment |
| /operating_model/outputs/2026Q4:downside/metrics/tmd | None | downside_2026q4_tmd |
| /operating_model/outputs/2026Q4:downside/metrics/treasury_deployment | None | downside_2026q4_treasury_deployment |
| /operating_model/outputs/2026Q4:downside/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:downside/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:downside/values/adj_operating | None | 30.0 |
| /operating_model/outputs/2026Q4:downside/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:downside/values/cash_after_capex | None | -451.0 |
| /operating_model/outputs/2026Q4:downside/values/cfo | None | -435.0 |
| /operating_model/outputs/2026Q4:downside/values/deposit_flow | None | -200.0 |
| /operating_model/outputs/2026Q4:downside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q4:downside/values/loan_deployment | None | 300.0 |
| /operating_model/outputs/2026Q4:downside/values/operating_income | None | -48.0 |
| /operating_model/outputs/2026Q4:downside/values/revenue | None | 1020.0 |
| /operating_model/outputs/2026Q4:downside/values/senior_deployment | None | 180.0 |
| /operating_model/outputs/2026Q4:downside/values/tmd | None | 360.0 |
| /operating_model/outputs/2026Q4:downside/values/treasury_deployment | None | 0.0 |
| /operating_model/outputs/2026Q4:upside/case | None | upside |
| /operating_model/outputs/2026Q4:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:upside/metrics/adj_operating | None | upside_2026q4_adj_operating |
| /operating_model/outputs/2026Q4:upside/metrics/capex | None | upside_2026q4_capex |
| /operating_model/outputs/2026Q4:upside/metrics/cash_after_capex | None | upside_2026q4_cash_after_capex |
| /operating_model/outputs/2026Q4:upside/metrics/cfo | None | upside_2026q4_cfo |
| /operating_model/outputs/2026Q4:upside/metrics/deposit_flow | None | upside_2026q4_deposit_flow |
| /operating_model/outputs/2026Q4:upside/metrics/lease_principal | None | upside_2026q4_lease_principal |
| /operating_model/outputs/2026Q4:upside/metrics/loan_deployment | None | upside_2026q4_loan_deployment |
| /operating_model/outputs/2026Q4:upside/metrics/operating_income | None | upside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:upside/metrics/revenue | None | upside_2026q4_revenue |
| /operating_model/outputs/2026Q4:upside/metrics/senior_deployment | None | upside_2026q4_senior_deployment |
| /operating_model/outputs/2026Q4:upside/metrics/tmd | None | upside_2026q4_tmd |
| /operating_model/outputs/2026Q4:upside/metrics/treasury_deployment | None | upside_2026q4_treasury_deployment |
| /operating_model/outputs/2026Q4:upside/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:upside/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:upside/values/adj_operating | None | 160.0 |
| /operating_model/outputs/2026Q4:upside/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:upside/values/cash_after_capex | None | -77.0 |
| /operating_model/outputs/2026Q4:upside/values/cfo | None | -61.0 |
| /operating_model/outputs/2026Q4:upside/values/deposit_flow | None | 300.0 |
| /operating_model/outputs/2026Q4:upside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2026Q4:upside/values/loan_deployment | None | 350.0 |
| /operating_model/outputs/2026Q4:upside/values/operating_income | None | 82.0 |
| /operating_model/outputs/2026Q4:upside/values/revenue | None | 1240.0 |
| /operating_model/outputs/2026Q4:upside/values/senior_deployment | None | 180.0 |
| /operating_model/outputs/2026Q4:upside/values/tmd | None | 490.0 |
| /operating_model/outputs/2026Q4:upside/values/treasury_deployment | None | 150.0 |
| /operating_model/outputs/2027Q1:base/case | None | base |
| /operating_model/outputs/2027Q1:base/frequency | None | quarter |
| /operating_model/outputs/2027Q1:base/metrics/adj_operating | None | base_2027q1_adj_operating |
| /operating_model/outputs/2027Q1:base/metrics/capex | None | base_2027q1_capex |
| /operating_model/outputs/2027Q1:base/metrics/cash_after_capex | None | base_2027q1_cash_after_capex |
| /operating_model/outputs/2027Q1:base/metrics/cfo | None | base_2027q1_cfo |
| /operating_model/outputs/2027Q1:base/metrics/deposit_flow | None | base_2027q1_deposit_flow |
| /operating_model/outputs/2027Q1:base/metrics/lease_principal | None | base_2027q1_lease_principal |
| /operating_model/outputs/2027Q1:base/metrics/loan_deployment | None | base_2027q1_loan_deployment |
| /operating_model/outputs/2027Q1:base/metrics/operating_income | None | base_2027q1_operating_income |
| /operating_model/outputs/2027Q1:base/metrics/revenue | None | base_2027q1_revenue |
| /operating_model/outputs/2027Q1:base/metrics/senior_deployment | None | base_2027q1_senior_deployment |
| /operating_model/outputs/2027Q1:base/metrics/tmd | None | base_2027q1_tmd |
| /operating_model/outputs/2027Q1:base/metrics/treasury_deployment | None | base_2027q1_treasury_deployment |
| /operating_model/outputs/2027Q1:base/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:base/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:base/values/adj_operating | None | 80.0 |
| /operating_model/outputs/2027Q1:base/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:base/values/cash_after_capex | None | -171.0 |
| /operating_model/outputs/2027Q1:base/values/cfo | None | -154.0 |
| /operating_model/outputs/2027Q1:base/values/deposit_flow | None | 100.0 |
| /operating_model/outputs/2027Q1:base/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q1:base/values/loan_deployment | None | 250.0 |
| /operating_model/outputs/2027Q1:base/values/operating_income | None | -3.0 |
| /operating_model/outputs/2027Q1:base/values/revenue | None | 1120.0 |
| /operating_model/outputs/2027Q1:base/values/senior_deployment | None | 150.0 |
| /operating_model/outputs/2027Q1:base/values/tmd | None | 450.0 |
| /operating_model/outputs/2027Q1:base/values/treasury_deployment | None | 100.0 |
| /operating_model/outputs/2027Q1:downside/case | None | downside |
| /operating_model/outputs/2027Q1:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:downside/metrics/adj_operating | None | downside_2027q1_adj_operating |
| /operating_model/outputs/2027Q1:downside/metrics/capex | None | downside_2027q1_capex |
| /operating_model/outputs/2027Q1:downside/metrics/cash_after_capex | None | downside_2027q1_cash_after_capex |
| /operating_model/outputs/2027Q1:downside/metrics/cfo | None | downside_2027q1_cfo |
| /operating_model/outputs/2027Q1:downside/metrics/deposit_flow | None | downside_2027q1_deposit_flow |
| /operating_model/outputs/2027Q1:downside/metrics/lease_principal | None | downside_2027q1_lease_principal |
| /operating_model/outputs/2027Q1:downside/metrics/loan_deployment | None | downside_2027q1_loan_deployment |
| /operating_model/outputs/2027Q1:downside/metrics/operating_income | None | downside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:downside/metrics/revenue | None | downside_2027q1_revenue |
| /operating_model/outputs/2027Q1:downside/metrics/senior_deployment | None | downside_2027q1_senior_deployment |
| /operating_model/outputs/2027Q1:downside/metrics/tmd | None | downside_2027q1_tmd |
| /operating_model/outputs/2027Q1:downside/metrics/treasury_deployment | None | downside_2027q1_treasury_deployment |
| /operating_model/outputs/2027Q1:downside/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:downside/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:downside/values/adj_operating | None | -35.000000000000114 |
| /operating_model/outputs/2027Q1:downside/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:downside/values/cash_after_capex | None | -396.0000000000001 |
| /operating_model/outputs/2027Q1:downside/values/cfo | None | -379.0000000000001 |
| /operating_model/outputs/2027Q1:downside/values/deposit_flow | None | -100.0 |
| /operating_model/outputs/2027Q1:downside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q1:downside/values/loan_deployment | None | 200.0 |
| /operating_model/outputs/2027Q1:downside/values/operating_income | None | -118.00000000000011 |
| /operating_model/outputs/2027Q1:downside/values/revenue | None | 979.9999999999999 |
| /operating_model/outputs/2027Q1:downside/values/senior_deployment | None | 180.0 |
| /operating_model/outputs/2027Q1:downside/values/tmd | None | 319.9999999999999 |
| /operating_model/outputs/2027Q1:downside/values/treasury_deployment | None | 50.0 |
| /operating_model/outputs/2027Q1:upside/case | None | upside |
| /operating_model/outputs/2027Q1:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:upside/metrics/adj_operating | None | upside_2027q1_adj_operating |
| /operating_model/outputs/2027Q1:upside/metrics/capex | None | upside_2027q1_capex |
| /operating_model/outputs/2027Q1:upside/metrics/cash_after_capex | None | upside_2027q1_cash_after_capex |
| /operating_model/outputs/2027Q1:upside/metrics/cfo | None | upside_2027q1_cfo |
| /operating_model/outputs/2027Q1:upside/metrics/deposit_flow | None | upside_2027q1_deposit_flow |
| /operating_model/outputs/2027Q1:upside/metrics/lease_principal | None | upside_2027q1_lease_principal |
| /operating_model/outputs/2027Q1:upside/metrics/loan_deployment | None | upside_2027q1_loan_deployment |
| /operating_model/outputs/2027Q1:upside/metrics/operating_income | None | upside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:upside/metrics/revenue | None | upside_2027q1_revenue |
| /operating_model/outputs/2027Q1:upside/metrics/senior_deployment | None | upside_2027q1_senior_deployment |
| /operating_model/outputs/2027Q1:upside/metrics/tmd | None | upside_2027q1_tmd |
| /operating_model/outputs/2027Q1:upside/metrics/treasury_deployment | None | upside_2027q1_treasury_deployment |
| /operating_model/outputs/2027Q1:upside/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:upside/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:upside/values/adj_operating | None | 160.0 |
| /operating_model/outputs/2027Q1:upside/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:upside/values/cash_after_capex | None | -203.5 |
| /operating_model/outputs/2027Q1:upside/values/cfo | None | -186.5 |
| /operating_model/outputs/2027Q1:upside/values/deposit_flow | None | 250.0 |
| /operating_model/outputs/2027Q1:upside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q1:upside/values/loan_deployment | None | 400.0 |
| /operating_model/outputs/2027Q1:upside/values/operating_income | None | 77.0 |
| /operating_model/outputs/2027Q1:upside/values/revenue | None | 1300.0 |
| /operating_model/outputs/2027Q1:upside/values/senior_deployment | None | 200.0 |
| /operating_model/outputs/2027Q1:upside/values/tmd | None | 550.0 |
| /operating_model/outputs/2027Q1:upside/values/treasury_deployment | None | 150.0 |
| /operating_model/outputs/2027Q2:base/case | None | base |
| /operating_model/outputs/2027Q2:base/frequency | None | quarter |
| /operating_model/outputs/2027Q2:base/metrics/adj_operating | None | base_2027q2_adj_operating |
| /operating_model/outputs/2027Q2:base/metrics/capex | None | base_2027q2_capex |
| /operating_model/outputs/2027Q2:base/metrics/cash_after_capex | None | base_2027q2_cash_after_capex |
| /operating_model/outputs/2027Q2:base/metrics/cfo | None | base_2027q2_cfo |
| /operating_model/outputs/2027Q2:base/metrics/deposit_flow | None | base_2027q2_deposit_flow |
| /operating_model/outputs/2027Q2:base/metrics/lease_principal | None | base_2027q2_lease_principal |
| /operating_model/outputs/2027Q2:base/metrics/loan_deployment | None | base_2027q2_loan_deployment |
| /operating_model/outputs/2027Q2:base/metrics/operating_income | None | base_2027q2_operating_income |
| /operating_model/outputs/2027Q2:base/metrics/revenue | None | base_2027q2_revenue |
| /operating_model/outputs/2027Q2:base/metrics/senior_deployment | None | base_2027q2_senior_deployment |
| /operating_model/outputs/2027Q2:base/metrics/tmd | None | base_2027q2_tmd |
| /operating_model/outputs/2027Q2:base/metrics/treasury_deployment | None | base_2027q2_treasury_deployment |
| /operating_model/outputs/2027Q2:base/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:base/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:base/values/adj_operating | None | 90.0 |
| /operating_model/outputs/2027Q2:base/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:base/values/cash_after_capex | None | -183.0 |
| /operating_model/outputs/2027Q2:base/values/cfo | None | -165.0 |
| /operating_model/outputs/2027Q2:base/values/deposit_flow | None | 150.0 |
| /operating_model/outputs/2027Q2:base/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q2:base/values/loan_deployment | None | 300.0 |
| /operating_model/outputs/2027Q2:base/values/operating_income | None | 2.0 |
| /operating_model/outputs/2027Q2:base/values/revenue | None | 1180.0 |
| /operating_model/outputs/2027Q2:base/values/senior_deployment | None | 175.0 |
| /operating_model/outputs/2027Q2:base/values/tmd | None | 480.0 |
| /operating_model/outputs/2027Q2:base/values/treasury_deployment | None | 100.0 |
| /operating_model/outputs/2027Q2:downside/case | None | downside |
| /operating_model/outputs/2027Q2:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:downside/metrics/adj_operating | None | downside_2027q2_adj_operating |
| /operating_model/outputs/2027Q2:downside/metrics/capex | None | downside_2027q2_capex |
| /operating_model/outputs/2027Q2:downside/metrics/cash_after_capex | None | downside_2027q2_cash_after_capex |
| /operating_model/outputs/2027Q2:downside/metrics/cfo | None | downside_2027q2_cfo |
| /operating_model/outputs/2027Q2:downside/metrics/deposit_flow | None | downside_2027q2_deposit_flow |
| /operating_model/outputs/2027Q2:downside/metrics/lease_principal | None | downside_2027q2_lease_principal |
| /operating_model/outputs/2027Q2:downside/metrics/loan_deployment | None | downside_2027q2_loan_deployment |
| /operating_model/outputs/2027Q2:downside/metrics/operating_income | None | downside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:downside/metrics/revenue | None | downside_2027q2_revenue |
| /operating_model/outputs/2027Q2:downside/metrics/senior_deployment | None | downside_2027q2_senior_deployment |
| /operating_model/outputs/2027Q2:downside/metrics/tmd | None | downside_2027q2_tmd |
| /operating_model/outputs/2027Q2:downside/metrics/treasury_deployment | None | downside_2027q2_treasury_deployment |
| /operating_model/outputs/2027Q2:downside/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:downside/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:downside/values/adj_operating | None | -35.0 |
| /operating_model/outputs/2027Q2:downside/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:downside/values/cash_after_capex | None | -464.0 |
| /operating_model/outputs/2027Q2:downside/values/cfo | None | -446.0 |
| /operating_model/outputs/2027Q2:downside/values/deposit_flow | None | -100.0 |
| /operating_model/outputs/2027Q2:downside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q2:downside/values/loan_deployment | None | 250.0 |
| /operating_model/outputs/2027Q2:downside/values/operating_income | None | -123.0 |
| /operating_model/outputs/2027Q2:downside/values/revenue | None | 1020.0 |
| /operating_model/outputs/2027Q2:downside/values/senior_deployment | None | 200.0 |
| /operating_model/outputs/2027Q2:downside/values/tmd | None | 330.0 |
| /operating_model/outputs/2027Q2:downside/values/treasury_deployment | None | 50.0 |
| /operating_model/outputs/2027Q2:upside/case | None | upside |
| /operating_model/outputs/2027Q2:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:upside/metrics/adj_operating | None | upside_2027q2_adj_operating |
| /operating_model/outputs/2027Q2:upside/metrics/capex | None | upside_2027q2_capex |
| /operating_model/outputs/2027Q2:upside/metrics/cash_after_capex | None | upside_2027q2_cash_after_capex |
| /operating_model/outputs/2027Q2:upside/metrics/cfo | None | upside_2027q2_cfo |
| /operating_model/outputs/2027Q2:upside/metrics/deposit_flow | None | upside_2027q2_deposit_flow |
| /operating_model/outputs/2027Q2:upside/metrics/lease_principal | None | upside_2027q2_lease_principal |
| /operating_model/outputs/2027Q2:upside/metrics/loan_deployment | None | upside_2027q2_loan_deployment |
| /operating_model/outputs/2027Q2:upside/metrics/operating_income | None | upside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:upside/metrics/revenue | None | upside_2027q2_revenue |
| /operating_model/outputs/2027Q2:upside/metrics/senior_deployment | None | upside_2027q2_senior_deployment |
| /operating_model/outputs/2027Q2:upside/metrics/tmd | None | upside_2027q2_tmd |
| /operating_model/outputs/2027Q2:upside/metrics/treasury_deployment | None | upside_2027q2_treasury_deployment |
| /operating_model/outputs/2027Q2:upside/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:upside/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:upside/values/adj_operating | None | 190.0 |
| /operating_model/outputs/2027Q2:upside/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:upside/values/cash_after_capex | None | -221.0 |
| /operating_model/outputs/2027Q2:upside/values/cfo | None | -203.0 |
| /operating_model/outputs/2027Q2:upside/values/deposit_flow | None | 300.0 |
| /operating_model/outputs/2027Q2:upside/values/lease_principal | None | 5.0 |
| /operating_model/outputs/2027Q2:upside/values/loan_deployment | None | 450.0 |
| /operating_model/outputs/2027Q2:upside/values/operating_income | None | 102.0 |
| /operating_model/outputs/2027Q2:upside/values/revenue | None | 1450.0 |
| /operating_model/outputs/2027Q2:upside/values/senior_deployment | None | 240.0 |
| /operating_model/outputs/2027Q2:upside/values/tmd | None | 620.0 |
| /operating_model/outputs/2027Q2:upside/values/treasury_deployment | None | 175.0 |
| /operating_model/outputs/FY2026:base/case | None | base |
| /operating_model/outputs/FY2026:base/frequency | None | year |
| /operating_model/outputs/FY2026:base/metrics/adj_operating | None | base_fy2026_adj_operating |
| /operating_model/outputs/FY2026:base/metrics/capex | None | base_fy2026_capex |
| /operating_model/outputs/FY2026:base/metrics/cash_after_capex | None | base_fy2026_cash_after_capex |
| /operating_model/outputs/FY2026:base/metrics/cfo | None | base_fy2026_cfo |
| /operating_model/outputs/FY2026:base/metrics/deposit_flow | None | base_fy2026_deposit_flow |
| /operating_model/outputs/FY2026:base/metrics/lease_principal | None | base_fy2026_lease_principal |
| /operating_model/outputs/FY2026:base/metrics/loan_deployment | None | base_fy2026_loan_deployment |
| /operating_model/outputs/FY2026:base/metrics/operating_income | None | base_fy2026_operating_income |
| /operating_model/outputs/FY2026:base/metrics/revenue | None | base_fy2026_revenue |
| /operating_model/outputs/FY2026:base/metrics/senior_deployment | None | base_fy2026_senior_deployment |
| /operating_model/outputs/FY2026:base/metrics/tmd | None | base_fy2026_tmd |
| /operating_model/outputs/FY2026:base/metrics/treasury_deployment | None | base_fy2026_treasury_deployment |
| /operating_model/outputs/FY2026:base/period | None | FY2026 |
| /operating_model/outputs/FY2026:base/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:base/values/adj_operating | None | 290.0000000000001 |
| /operating_model/outputs/FY2026:base/values/capex | None | 37.0 |
| /operating_model/outputs/FY2026:base/values/cash_after_capex | None | -1631.2034999999998 |
| /operating_model/outputs/FY2026:base/values/cfo | None | -1575.2034999999998 |
| /operating_model/outputs/FY2026:base/values/deposit_flow | None | -554.0 |
| /operating_model/outputs/FY2026:base/values/lease_principal | None | 19.0 |
| /operating_model/outputs/FY2026:base/values/loan_deployment | None | 474.0 |
| /operating_model/outputs/FY2026:base/values/operating_income | None | -25.999999999999886 |
| /operating_model/outputs/FY2026:base/values/revenue | None | 4120.0 |
| /operating_model/outputs/FY2026:base/values/senior_deployment | None | 835.0 |
| /operating_model/outputs/FY2026:base/values/tmd | None | 1609.4 |
| /operating_model/outputs/FY2026:base/values/treasury_deployment | None | 1242.0 |
| /operating_model/outputs/FY2026:downside/case | None | downside |
| /operating_model/outputs/FY2026:downside/frequency | None | year |
| /operating_model/outputs/FY2026:downside/metrics/adj_operating | None | downside_fy2026_adj_operating |
| /operating_model/outputs/FY2026:downside/metrics/capex | None | downside_fy2026_capex |
| /operating_model/outputs/FY2026:downside/metrics/cash_after_capex | None | downside_fy2026_cash_after_capex |
| /operating_model/outputs/FY2026:downside/metrics/cfo | None | downside_fy2026_cfo |
| /operating_model/outputs/FY2026:downside/metrics/deposit_flow | None | downside_fy2026_deposit_flow |
| /operating_model/outputs/FY2026:downside/metrics/lease_principal | None | downside_fy2026_lease_principal |
| /operating_model/outputs/FY2026:downside/metrics/loan_deployment | None | downside_fy2026_loan_deployment |
| /operating_model/outputs/FY2026:downside/metrics/operating_income | None | downside_fy2026_operating_income |
| /operating_model/outputs/FY2026:downside/metrics/revenue | None | downside_fy2026_revenue |
| /operating_model/outputs/FY2026:downside/metrics/senior_deployment | None | downside_fy2026_senior_deployment |
| /operating_model/outputs/FY2026:downside/metrics/tmd | None | downside_fy2026_tmd |
| /operating_model/outputs/FY2026:downside/metrics/treasury_deployment | None | downside_fy2026_treasury_deployment |
| /operating_model/outputs/FY2026:downside/period | None | FY2026 |
| /operating_model/outputs/FY2026:downside/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:downside/values/adj_operating | None | 109.0 |
| /operating_model/outputs/FY2026:downside/values/capex | None | 37.0 |
| /operating_model/outputs/FY2026:downside/values/cash_after_capex | None | -2356.0 |
| /operating_model/outputs/FY2026:downside/values/cfo | None | -2300.0 |
| /operating_model/outputs/FY2026:downside/values/deposit_flow | None | -1204.0 |
| /operating_model/outputs/FY2026:downside/values/lease_principal | None | 19.0 |
| /operating_model/outputs/FY2026:downside/values/loan_deployment | None | 574.0 |
| /operating_model/outputs/FY2026:downside/values/operating_income | None | -207.0 |
| /operating_model/outputs/FY2026:downside/values/revenue | None | 3974.0 |
| /operating_model/outputs/FY2026:downside/values/senior_deployment | None | 895.0 |
| /operating_model/outputs/FY2026:downside/values/tmd | None | 1465.0 |
| /operating_model/outputs/FY2026:downside/values/treasury_deployment | None | 1042.0 |
| /operating_model/outputs/FY2026:upside/case | None | upside |
| /operating_model/outputs/FY2026:upside/frequency | None | year |
| /operating_model/outputs/FY2026:upside/metrics/adj_operating | None | upside_fy2026_adj_operating |
| /operating_model/outputs/FY2026:upside/metrics/capex | None | upside_fy2026_capex |
| /operating_model/outputs/FY2026:upside/metrics/cash_after_capex | None | upside_fy2026_cash_after_capex |
| /operating_model/outputs/FY2026:upside/metrics/cfo | None | upside_fy2026_cfo |
| /operating_model/outputs/FY2026:upside/metrics/deposit_flow | None | upside_fy2026_deposit_flow |
| /operating_model/outputs/FY2026:upside/metrics/lease_principal | None | upside_fy2026_lease_principal |
| /operating_model/outputs/FY2026:upside/metrics/loan_deployment | None | upside_fy2026_loan_deployment |
| /operating_model/outputs/FY2026:upside/metrics/operating_income | None | upside_fy2026_operating_income |
| /operating_model/outputs/FY2026:upside/metrics/revenue | None | upside_fy2026_revenue |
| /operating_model/outputs/FY2026:upside/metrics/senior_deployment | None | upside_fy2026_senior_deployment |
| /operating_model/outputs/FY2026:upside/metrics/tmd | None | upside_fy2026_tmd |
| /operating_model/outputs/FY2026:upside/metrics/treasury_deployment | None | upside_fy2026_treasury_deployment |
| /operating_model/outputs/FY2026:upside/period | None | FY2026 |
| /operating_model/outputs/FY2026:upside/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:upside/values/adj_operating | None | 359.0000000000002 |
| /operating_model/outputs/FY2026:upside/values/capex | None | 37.0 |
| /operating_model/outputs/FY2026:upside/values/cash_after_capex | None | -1555.35 |
| /operating_model/outputs/FY2026:upside/values/cfo | None | -1499.35 |
| /operating_model/outputs/FY2026:upside/values/deposit_flow | None | -204.0 |
| /operating_model/outputs/FY2026:upside/values/lease_principal | None | 19.0 |
| /operating_model/outputs/FY2026:upside/values/loan_deployment | None | 624.0 |
| /operating_model/outputs/FY2026:upside/values/operating_income | None | 43.00000000000023 |
| /operating_model/outputs/FY2026:upside/values/revenue | None | 4334.0 |
| /operating_model/outputs/FY2026:upside/values/senior_deployment | None | 885.0 |
| /operating_model/outputs/FY2026:upside/values/tmd | None | 1715.0000000000002 |
| /operating_model/outputs/FY2026:upside/values/treasury_deployment | None | 1342.0 |
| /operating_model/outputs/FY2027:base/case | None | base |
| /operating_model/outputs/FY2027:base/frequency | None | year |
| /operating_model/outputs/FY2027:base/metrics/adj_operating | None | base_fy2027_adj_operating |
| /operating_model/outputs/FY2027:base/metrics/capex | None | base_fy2027_capex |
| /operating_model/outputs/FY2027:base/metrics/cash_after_capex | None | base_fy2027_cash_after_capex |
| /operating_model/outputs/FY2027:base/metrics/cfo | None | base_fy2027_cfo |
| /operating_model/outputs/FY2027:base/metrics/deposit_flow | None | base_fy2027_deposit_flow |
| /operating_model/outputs/FY2027:base/metrics/lease_principal | None | base_fy2027_lease_principal |
| /operating_model/outputs/FY2027:base/metrics/loan_deployment | None | base_fy2027_loan_deployment |
| /operating_model/outputs/FY2027:base/metrics/operating_income | None | base_fy2027_operating_income |
| /operating_model/outputs/FY2027:base/metrics/revenue | None | base_fy2027_revenue |
| /operating_model/outputs/FY2027:base/metrics/senior_deployment | None | base_fy2027_senior_deployment |
| /operating_model/outputs/FY2027:base/metrics/tmd | None | base_fy2027_tmd |
| /operating_model/outputs/FY2027:base/metrics/treasury_deployment | None | base_fy2027_treasury_deployment |
| /operating_model/outputs/FY2027:base/period | None | FY2027 |
| /operating_model/outputs/FY2027:base/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:base/values/adj_operating | None | 495.0 |
| /operating_model/outputs/FY2027:base/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:base/values/cash_after_capex | None | -648.75 |
| /operating_model/outputs/FY2027:base/values/cfo | None | -574.75 |
| /operating_model/outputs/FY2027:base/values/deposit_flow | None | 600.0 |
| /operating_model/outputs/FY2027:base/values/lease_principal | None | 20.0 |
| /operating_model/outputs/FY2027:base/values/loan_deployment | None | 1250.0 |
| /operating_model/outputs/FY2027:base/values/operating_income | None | 133.0 |
| /operating_model/outputs/FY2027:base/values/revenue | None | 4980.0 |
| /operating_model/outputs/FY2027:base/values/senior_deployment | None | 750.0 |
| /operating_model/outputs/FY2027:base/values/tmd | None | 2090.0 |
| /operating_model/outputs/FY2027:base/values/treasury_deployment | None | 400.0 |
| /operating_model/outputs/FY2027:downside/case | None | downside |
| /operating_model/outputs/FY2027:downside/frequency | None | year |
| /operating_model/outputs/FY2027:downside/metrics/adj_operating | None | downside_fy2027_adj_operating |
| /operating_model/outputs/FY2027:downside/metrics/capex | None | downside_fy2027_capex |
| /operating_model/outputs/FY2027:downside/metrics/cash_after_capex | None | downside_fy2027_cash_after_capex |
| /operating_model/outputs/FY2027:downside/metrics/cfo | None | downside_fy2027_cfo |
| /operating_model/outputs/FY2027:downside/metrics/deposit_flow | None | downside_fy2027_deposit_flow |
| /operating_model/outputs/FY2027:downside/metrics/lease_principal | None | downside_fy2027_lease_principal |
| /operating_model/outputs/FY2027:downside/metrics/loan_deployment | None | downside_fy2027_loan_deployment |
| /operating_model/outputs/FY2027:downside/metrics/operating_income | None | downside_fy2027_operating_income |
| /operating_model/outputs/FY2027:downside/metrics/revenue | None | downside_fy2027_revenue |
| /operating_model/outputs/FY2027:downside/metrics/senior_deployment | None | downside_fy2027_senior_deployment |
| /operating_model/outputs/FY2027:downside/metrics/tmd | None | downside_fy2027_tmd |
| /operating_model/outputs/FY2027:downside/metrics/treasury_deployment | None | downside_fy2027_treasury_deployment |
| /operating_model/outputs/FY2027:downside/period | None | FY2027 |
| /operating_model/outputs/FY2027:downside/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:downside/values/adj_operating | None | -105.00000000000011 |
| /operating_model/outputs/FY2027:downside/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:downside/values/cash_after_capex | None | -1733.0 |
| /operating_model/outputs/FY2027:downside/values/cfo | None | -1659.0 |
| /operating_model/outputs/FY2027:downside/values/deposit_flow | None | -300.0 |
| /operating_model/outputs/FY2027:downside/values/lease_principal | None | 20.0 |
| /operating_model/outputs/FY2027:downside/values/loan_deployment | None | 1000.0 |
| /operating_model/outputs/FY2027:downside/values/operating_income | None | -467.0000000000001 |
| /operating_model/outputs/FY2027:downside/values/revenue | None | 4240.0 |
| /operating_model/outputs/FY2027:downside/values/senior_deployment | None | 840.0 |
| /operating_model/outputs/FY2027:downside/values/tmd | None | 1395.0 |
| /operating_model/outputs/FY2027:downside/values/treasury_deployment | None | 200.0 |
| /operating_model/outputs/FY2027:upside/case | None | upside |
| /operating_model/outputs/FY2027:upside/frequency | None | year |
| /operating_model/outputs/FY2027:upside/metrics/adj_operating | None | upside_fy2027_adj_operating |
| /operating_model/outputs/FY2027:upside/metrics/capex | None | upside_fy2027_capex |
| /operating_model/outputs/FY2027:upside/metrics/cash_after_capex | None | upside_fy2027_cash_after_capex |
| /operating_model/outputs/FY2027:upside/metrics/cfo | None | upside_fy2027_cfo |
| /operating_model/outputs/FY2027:upside/metrics/deposit_flow | None | upside_fy2027_deposit_flow |
| /operating_model/outputs/FY2027:upside/metrics/lease_principal | None | upside_fy2027_lease_principal |
| /operating_model/outputs/FY2027:upside/metrics/loan_deployment | None | upside_fy2027_loan_deployment |
| /operating_model/outputs/FY2027:upside/metrics/operating_income | None | upside_fy2027_operating_income |
| /operating_model/outputs/FY2027:upside/metrics/revenue | None | upside_fy2027_revenue |
| /operating_model/outputs/FY2027:upside/metrics/senior_deployment | None | upside_fy2027_senior_deployment |
| /operating_model/outputs/FY2027:upside/metrics/tmd | None | upside_fy2027_tmd |
| /operating_model/outputs/FY2027:upside/metrics/treasury_deployment | None | upside_fy2027_treasury_deployment |
| /operating_model/outputs/FY2027:upside/period | None | FY2027 |
| /operating_model/outputs/FY2027:upside/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:upside/values/adj_operating | None | 935.0 |
| /operating_model/outputs/FY2027:upside/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:upside/values/cash_after_capex | None | -861.0 |
| /operating_model/outputs/FY2027:upside/values/cfo | None | -787.0 |
| /operating_model/outputs/FY2027:upside/values/deposit_flow | None | 1350.0 |
| /operating_model/outputs/FY2027:upside/values/lease_principal | None | 20.0 |
| /operating_model/outputs/FY2027:upside/values/loan_deployment | None | 2000.0 |
| /operating_model/outputs/FY2027:upside/values/operating_income | None | 573.0 |
| /operating_model/outputs/FY2027:upside/values/revenue | None | 6200.0 |
| /operating_model/outputs/FY2027:upside/values/senior_deployment | None | 1080.0 |
| /operating_model/outputs/FY2027:upside/values/tmd | None | 2760.0 |
| /operating_model/outputs/FY2027:upside/values/treasury_deployment | None | 750.0 |
| /operating_model/reviewed_at | None | 2026-09-19 |
| /operating_model/schema_version | None | operating_model.v1 |
| /operating_model/title | None | Transaction margin, accounting presentation and bank funding cash |
| /research/change_note | None | Added IFRS historical supplement, matched presentation sensitivity and bank funding cash model. |
| /research/checkpoints/0/date_status | None | estimated |
| /research/checkpoints/0/event | None | H2 presentation |
| /research/checkpoints/0/timing | None | Q3 results; date unconfirmed |
| /research/checkpoints/0/watch | None | Reconcile matched revenue/cost reclassification separately from timing benefits. |
| /research/checkpoints/1/date_status | None | estimated |
| /research/checkpoints/1/event | None | Bank and offloading cash |
| /research/checkpoints/1/timing | None | Each furnished financial statement |
| /research/checkpoints/1/watch | None | Track deposits, loan accounting categories, senior funding and actual sale proceeds. |
| /research/checkpoints/2/date_status | None | estimated |
| /research/checkpoints/2/event | None | Apple and risk-transfer economics |
| /research/checkpoints/2/timing | None | Next business update |
| /research/checkpoints/2/watch | None | Check receivable exposure, retained risk and capital impact without counting notional amounts as revenue. |
| /research/countercase | None | Earlier recognition and gain-on-sale income can improve reported margin while cash remains tied to credit assets. Deposit withdrawals, funding rates, credit losses and offloading terms can offset network growth. |
| /research/economics | None | Q2 GMV was $36.648B, revenue $1.042B, TMD $446M and adjusted operating income $91M; IFRS operating profit was $27M. Updated FY2026 outlook calls for $149-151B GMV, $4.08-4.16B revenue and $280-300M adjusted operating income. The H2 presentation change reduces both revenue and costs, with a separately described timing benefit. Base TMD grows 30% to $1.609B. H1 bank CFO was negative $1.213B, including $604M deposit outflow, $74M net consumer-receivable deployment, $565M other senior funding and $1.042B treasury investment, offset by $41M operating borrowing. Removing only those named balance flows gives $1.031B, not normalized owner cash. June deposits were $11.673B, cash $2.672B and retained consumer receivables $9.753B across accounting categories. The July risk transfer leaves receivables on balance sheet; Apple financing adds receivable exposure. PriceRunner recovery remains contingent and subject to appeals and sharing claims. |
| /research/limitations/0 | None | Klarna reports IFRS, and its bank cash-flow classification differs from an industrial company. Deposits, some borrowings, lending and treasury investment are inside operating cash. CFO less capex/lease cash is not industrial FCF or distributable bank capital. |
| /research/limitations/1 | None | The Q2 supplementary financial tables furnish eight historical income-statement quarters even though the SEC companyfacts feed has none. Missing quarter cash-flow, EPS and ownership facts remain unavailable; seven quarter-end cash balances are sourced without fabricating the eighth. |
| /research/limitations/2 | None | H2 US/German Fair Financing presentation reduces both revenue and transaction costs, while recognition timing can improve TMD. The model tests these separately. A lower reported take rate is not automatically weaker unit economics. |
| /research/limitations/3 | None | Mixed transaction/service yield includes subscription and other merchant/consumer services. ARPAC is trailing annual revenue per active consumer, not a quarterly fee; subscriptions are not added again as an invented segment. |
| /research/limitations/4 | None | Base annual TMD targets approximately 30% growth and Q3 guidance $340-360M; the remaining-quarter cost budget is calibrated, not independently guided. Quarter allocation, credit curves, FX, cash settlement and all FY2027 figures are desk assumptions. |
| /research/limitations/5 | None | Gain on sale and fair-value marks are accounting income/expense. Their cash effects must pass through actual loan sales and net loan funding; no assumption of unlimited receivable offloading or zero retained exposure. |
| /research/limitations/6 | None | The July $518M significant risk transfer reduces risk/capital requirements on a reference portfolio while receivables remain on balance sheet. It is not $518M revenue or a sale removing the whole reference portfolio. |
| /research/limitations/7 | None | PriceRunner litigation was appealed by both parties. No recovery is recognized or forecast; any eventual proceeds would face funding, insurance, former-owner sharing and tax claims. A gross award is not cash available to Klarna shareholders. |
| /research/limitations/8 | None | Apple Upgrade creates financing receivables and servicing obligations. A U.S. bank application is not approval; no incremental U.S. deposit-funding benefit is assumed. Rounded statement figures can differ by $1M; reconciliation identifies the residual. |
| /research/limitations/9 | None | No full deposit maturity, regulatory capital, diluted ownership or parent liquidity model. Other financing proceeds, debt principal, dividends and external capital are outside forecast cash after capex/leases. |
| /research/question | None | Can stronger payments economics translate into durable earnings while bank funding and offloading remain disciplined? |
| /research/reviewed_at | None | 2026-09-19 |
| /research/risks/0 | None | Consumer credit and product mix can change faster than reported loss curves. |
| /research/risks/1 | None | Accounting presentation and recognition timing complicate quarter comparisons. |
| /research/risks/2 | None | Deposits and forward-flow facilities require ongoing funding discipline. |
| /research/risks/3 | None | Merchant/PSP launches and subscriptions may monetize below expectations. |
| /research/risks/4 | None | Litigation proceeds and regulatory approvals remain uncertain. |
| /research/title | None | Transaction margin through an accounting and funding transition |
| /sources/0/retrieved | None | 2026-09-19 |
| /sources/0/title | None | H1 IFRS financial statements and subsequent events |
| /sources/0/url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/h126exno994klarnagrouppl.htm |
| /sources/1/retrieved | None | 2026-09-19 |
| /sources/1/title | None | Q2 results and revised H2/full-year outlook |
| /sources/1/url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/q22026earningsrelease.htm |
| /sources/2/retrieved | None | 2026-09-19 |
| /sources/2/title | None | Quarterly history and funding supplementary metrics |
| /sources/2/url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026057573/financialstatementsandsu.htm |
| /sources/3/retrieved | None | 2026-09-19 |
| /sources/3/title | None | Apple financing economics and retained exposure |
| /sources/3/url | None | https://www.sec.gov/Archives/edgar/data/2003292/000162828026049939/exhibit992notetoinvestor.htm |
| /thesis/scenario_ranges | None | Explicit downside/base/upside business assumptions; not price targets, probabilities or historical market-memory bands. |
| /thesis/view | Transaction margin is more informative than the reported revenue take rate during the H2 accounting change. Improved adjusted earnings still need to support credit risk, deposit liabilities, retained financing assets and shareholder compensation. | |
| /thesis/what_changes_it | Compare like-for-like transaction margin and actual loan/deposit cash with IFRS profit; do not treat litigation awards, risk transfers or facility capacity as realized shareholder cash. |