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TDCX Inc. (TDCX) Q3 2021 Earnings Call Transcript

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Image source: The Motley Fool.

TDCX Inc.(NYSE:TDCX)
Q3 2021 Earnings Call
Nov 24, 2021, 7:30 a.m. ET

Contents:

  • Prepared Remarks
  • Questions and Answers
  • Call Participants

Prepared Remarks:


Operator

Ladies and gentlemen, thank you for standing by. I'm Stuart, your course call operator. Welcome, and thank you for joining the TDCX, Inc. third quarter 2021 results conference call.

[Operator instructions] I would now like to turn the call over to management. Please go ahead.

Jason Lim -- Investor Relations

Hello, everyone, and welcome to TDCX 2021 third quarter earnings conference call. My name is Jason Lim from Investor Relations and allow me to introduce management on the call. We have our executive chairman, founder, and CEO, Mr. Laurent Junique; and our CFO, Mr.

Chin Tze Neng. Before we continue, I'd like to remind you that we will make forward-looking statements, which are subject to risks and uncertainties and may not be realized in the future. You should not place undue reliance on any forward-looking statements. Also, this call includes a discussion of certain non-GAAP financial measures such as EBITDA and EBITDA margins.

For a reconciliation of the non-GAAP financial measures to the closers GAAP measures, please refer to our press release on the Form 6-K, which are available on our IR website. Lastly, we have provided a convenient translation for the translations of Singapore dollar into the U.S. dollar. This was done at a rate of $1 to SGD 1.3611, this should not be construed as representations that the Singapore dollar amounts could be converted into the $and this or any other rate.

Our management will now share updates on the operating and financial performance. This will be followed by a Q&A session in which we welcome any questions you may have. With that, let me turn the call over to Laurent. Laurent, please.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, Jason. Hello, everyone, and thank you for joining us today. It is my absolute pleasure to welcome you to our first-ever results call as a public company. Before we begin, I'd like to take a moment to thank all our clients, partners, and investors for your support and for being part of this incredible journey toward our successful IPO in October.

What we've achieved would not have been possible with our amazing team of over 14,000 people who have helped deliver steady results over the past years. And in particular, for this set of results, which we are reporting on. Let me now go through some highlights of our Q3 performance. We are very pleased to announce strong revenue and earnings growth for the quarter.

So a strong Q3 revenue rose 41% year on year to $109 million, mostly contributed by large established clients in digital media and travel, in particular, travel came back in a good way for us. It is still not at 2019 levels, though. We also continue to ramp up in exciting verticals such as fintech and gaming. Revenue rose across all the geographies we operate in, two of our largest geographies, Malaysia and the Philippines continue to deliver very strong growth, while newer footprints like Japan and China, grew in excess of 50%, and Spain doubled year on year.

During the quarter, we achieved a new milestone with maiden revenue contributions from Latin America as we commence our first campaign in Colombia. I'm also excited by our performance in sales and digital marketing where revenue rose 93%. And our largest plants in this space significantly expanded their volumes with us year on year. Revenue from a relatively new professional social media clients in this segment rose four parts.

We're focused on quality growth, higher margins by staying true to our strategy of focusing on new economy clients and our strength in Southeast Asia, we continue to achieve quality growth and improve upon our margins. EBITDA rose 51% to $39 million as EBITDA margins rose to 35.5%. Revenue from new economy clients continued to increase and now stands at 93.4% of total revenue in Q3. New logos, we continue to gain traction with new clients.

Since the start of 2021, we have signed 16 new logos, including several of the fast-growing technology companies in Asia. Our new logos also included our first clients in the food delivery and crypto verticals. Since we have signed a crypto client we've deepened our relationship with them and they've started to contribute meaningfully to revenue. Operationally, we delivered on our headcount increase and continued to expand as total headcount rose 34% to over 14,100 as at 30th of September 2021.

We believe that this stellar set of results puts us on the fun footing moving forward as we start this new chapter as a listed entity. Mr. Chin will share more details on the financials later. But for the benefit of the new investors and analysts joining us, let me quickly provide an overview of our business before I hand it over to our CFO.

Our business comprises three key service offerings. Number one, omnichannel CX solutions; number two, sales and digital marketing services; and number three, content monitoring and moderation services for omnichannel customer experience. We help our clients manage relationships with their customers by providing complex customer experience solutions, such as after-sale service and customer support across multiple languages and multiple channels. One simple example would be helping a foreign English-speaking visitor resolve urgent accommodation issues with the Japanese was a bilingual people who is well-trained to handle complex level issues.

For sales and digital marketing services, we help small, medium enterprises plan and execute their digital advertising campaigns on the world's leading social media and search engine platforms. This requires specialized personnel well versed in the signs of ad optimization on such digital platforms. Lastly, our content monitoring and moderation services help our clients create a safe and secure online environment for social media platforms by providing the human touch to content monitoring. So the services made up 62%, 22%, and 14% of our Q3 revenues, respectively.

While CX solutions have historically represented the majority of our business over time, sales and digital marketing as well as content monitoring and moderation services have both seen a greater share of the revenue mix. This increased diversification in our business mix represents our efforts in continually adapting to our customers' changing business needs and our ability to go with our customers at scale. Now in terms of the addressable market, we operate in a very exciting space, where we see increasing demand in CX services, especially in Southeast Asia from new economy clients. According to Frost and Sullivan, the Southeast Asia CX market size stood at $10 billion in 2020 and is expected to grow to $14 billion by 2025.

Within this space, the new economy segment alone is expected to rise even faster at the compounded annual growth rate or CAGR of 19%. And from a global context, the market is expected to rise from 80 billion to $100 billion over the same period with the new economy segment growing at a CAGR of 17%. So we are strongly positioned to capture the market from these strengths. We believe that we have the first-mover advantage in Southeast Asia with a unique footprint.

And we plan to continue to carefully expand our global footprint while keeping a very firm focus on our center of gravity in Asia. We have an attractive client base that consists of some of the largest and most innovative brands in their respective industries, such as social media and travel and hospitality. Our relationships with our blue-chip new economy clients offer significant opportunities, and we are well-positioned to ride that growth. We have an international footprint in 10 geographies across Asia, Europe, and Latin America.

This provides us with access to a broad talent pool and equips us with multilingual capabilities to serve a global customer base, including English and key Asian languages, such as Mandarine, Thai, Korean, Malay, Vietnamese, Japanese as well as Asian unicorn languages such as Bhutanese and Sinhalese. In recent years, we have opened new offices and to on new client mandates in different geographies, representing our global ambitions and execution. As you can see in the pie chart, over 90% of our Q3 revenues come from our core businesses in Southeast Asia, while our relatively new geographies in Japan and China are starting to contribute meaningfully. We have also expanded into Colombia, India, and Romania in the past two years, and we are ramping up our business there.

Let me round up with TDCX key competitive advantages. We have, first of all, a strong pan Asia footprint, and our leadership position in key Southeast Asian markets helps drive our competitive edge. We run highly successful offshore operations, which drives cost benefits and higher margins. We focus on market-leading global leaders in the new economy sectors.

To meet the demands of high-growth digital clients we are designed to be agile and flexible and scalable, in line with our clients' rapid growth. I emphasis on supporting complex issues is why more than 60% of our employees have college or university degrees and the quality of our employees is a key differentiator. Next, we are domain experts with a deep understanding of high-growth and complex verticals, such as digital advertising, fintech, gaming. Finally, we augment our incredibly talented people with proprietary technology that drives productivity and accuracy of our service delivery.

All the above leads to better employee outcomes, including a lower attrition rate compared to the industry average and high employee satisfaction scores. Our corporate culture is designed to foster a work environment that is fully aligned with our tech clients. I would like now to spend a bit of time on some upcoming trends as well as reiterating the key tenets of our strategy. As economies reopen, we are progressively getting ready for return to the office and for the great reshuffle as it is called.

Our teams are reviewing protocols right now as well as people trends, and we will be leveraging several of the solutions we have available. Firstly, a key theme will be flexibility. We will implement hybrid work arrangements for both office collaboration and work from home. Secondly, keeping in touch with our people a lot more frequently, treat them like our customers and empower them, supersize engagements, and bring mental health support front and center.

Thirdly, rewarding our people with smart compensation and benefits and even greater focus on performance-based compensation and real-world results versus time spent. Lastly, reinvent training, less classroom, more self paced and online, recognize and reward people who are invested in themselves by using our training tools and options. In essence, it's all about culture, culture, culture. It's so easy to lose our culture with the reduced personal time in office so this will need renewed focus on energy.

Now from a strategic point of view, our plans have not changed. We want to, one, expand geographies. We are opening in new offices in North Asia and looking at other locations in Asia. The approach to work from home has opened new possibilities with lighter in-country satellite setups for us; number two, invest in people, as I mentioned earlier, attracting, retaining the best will be central to our success; number three, lean and effective continue to digitalize, HR, finance, anticipate inflation; number four, acquisitions, building pipelines but staying true to our DNA principles.

We'll be very selective when we look for acquisition. Let me now hand it over to Mr. Chin to cover the financials.

Chin Tze Neng -- Chief Financial Officer

Thank you, Laurent. Let me first quickly share some details on our historical financial performance before we dive into details of Q3 2021 over the next few slides. On the left, we have the revenue performance, in the middle, our EBITDA numbers, and on the right net profit. As you can see, our business has achieved consistently high growth with 55% revenue CAGR from f\FY 2018 to FY 2020, and 61% EBITDA CAGR from FY 2018 to FY 2020.

Net profit CAGR was 50% over the same period. This was coupled with a track record of consistently high EBITDA margins rising to 32.9% in FY '20, up from 30.6% in FY '18. For the nine months ended 30th September 2021, we recorded $294 million in revenue, $96 million EBITDA, and $55 million net profit. These numbers attest to the successful execution of our business strategies and competitive positioning, where we are focused on the following principles: focus on high-growth CX segment, strong exposure to new economy clients, focus on complex offerings, regionalization of operations underpinned by multilingual hubs, and 90% of our agents based in Southeast Asia.

Let me now share some details on our Q3 financial performance. Revenue rose 41.3% to $109.3 million, driven by broad-based growth across all of our three business segments and across all geographies. In the next slide, I will share the breakdown by service type and geography. EBITDA rose 51.1% to $38.8 million as we expanded margins from 33.3% to 35.5% on the back of improved staff productivity and continued focus on careful and disciplined cost management.

Net profit for the period rose 46.7% to $22.2 million that reflected some incremental tax charges in Q3. On this slide, we will share more details on our Q3 revenue performance by the services we offer and by the geographies in which we operate. Revenue from OCX Solutions rose 37.9% to $68.2 million, due mainly to higher business volumes driven by expansion of existing campaigns as well as the ramp-up of new projects that commenced during the first half of 2021. In addition, business volumes benefited from the nascent recovery in the travel and hospitality sector from the impact of COVID-19.

Revenues from sales and digital marketing services rose strongly by 93.4% to $23.7 million due to the volume expansion of existing campaigns for our social media clients and search engine clients across our delivery sites in Asia. Revenues from content monitoring and moderation services increased by 7.1% to $15.6 million with high contribution from a social media client. In terms of revenue contribution by key geographies, Singapore rose 32% to $28.7 million. Philippines rose 45% to $28.7 million.

Malaysia rose 40% to $28.2 million. Thailand rose 35% to $30.3 million. Japan rose 66% to $6.3 million, and China rose 73% to $2.4 million. Let me now share some details on our expenses.

We continue to monitor closely our overall cost structure and ensure that our total operating cost base is streamlined and aligned to support our fast-growing business. For the three months ended 30th September 2021, operating costs as a percentage of revenue improved to 74%, compared to 77.2% for the same period last year. Being a people-centric business, employee benefits expense makes up the largest portion of our total operating cost base. Our employee benefit expenses increased by 37.5% to $63.6 million for Q3 in tandem with business volume expansion.

The average number of employees in Q3 rose by 44% compared to the same period of 2020. On a group staff productivity basis, revenue per employee rose by 5%, while employee benefits per employee rose by 3%, demonstrating that we have improved productivity while managing wage inflation. Our depreciation expense increased by 22.2% to $7.6 billion for Q3, primarily due to depreciation on right off news assets, new renovations, and capital expenditure in relation to office expansion for business growth. All other expenses, which include items such as recruitment, transport, and telecommunication expenses rose 34.3% to $9.6 million.

Aggregating the above movements, total operating expenses rose by 35.5% to $80.9 million, which is lower than our top-line growth of 41.3%. Lastly, let me now move to the financial outlook. We expect full financial year 2021 revenues to be in the range of SGD 549 million to SGD 553 million. This translates to $403 to $406 million, assuming an exchange rate of $1 to SGD 1.3611.

At the midpoint of the range, revenue growth is expected to be 26.7% compared to 2020. We expect full year 2021 EBITDA margins to be approximately 31.7% to 32.2%. This excludes expenses associated with the performance share plan, which will be recognized from Q4 2021 onwards. The PSP serves to incentivize and retain our senior management team and top talent as well as to ensure alignment of interest with investors in creating shareholder value.

We will start to incur expenses related to our listing and ongoing life as a publicly listed company. Lastly, the margin guidance includes our expectations to continue to invest in business development efforts, technology, and innovation to drive growth in the long term. With that, we end our presentation. I'll now hand it back to Laurent for some closing remarks.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, Mr. Chin. Finally, a big thank you again to our incredible employees and my incredible management team, how collectively they are maneuvering around the obstacles created by the pandemic, particularly in Asia exemplary. I also wanted to touch a bit on our corporate social responsibility initiatives, be greener is a program for all of us to care for the environment, and TDCX this year was able to offset 38,770 tons of carbon dioxide, be happier, which is about our employee are being, happy to report and we achieve an employee satisfaction score of 89%, even as the pandemic was creating have everywhere in Asia.

And finally, the third pillar of our corporate social responsibility is be kinder, which is our community outreach program, and which is about to be redesigned as a central entity to uplift communities in Asia through digital environment. Thank you, everyone, for listening. And let's now move to Q&A.

Questions & Answers:


Operator

[Operator instructions] First question comes from the line of Pang Vitt from Goldman Sachs. Please go ahead.

Pang Vittayaamnuaykoon

Hi, everyone. Thank you very much for the time and congratulations for the great set of results. A couple of questions from me. Maybe we can go one by one.

Firstly, I just want to understand the growth trend, especially as you mentioned that there is still a certain impact from the slowdown in travel and hospitality segment, if we were to include the travel and hospitality segment, what would the growth rate look like in third quarter on a year-on-year basis? And similarly to that, could you also comment whether the growth from the extension of the current client is higher or the new win of the new client is coming in at a higher rate? That's question number one.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Great. Thank you, Pang. So on the travel, we're still deeply affected by the travel impact. If you look at Q3 alone, our whole travel and hospitality business is still down by 22% Q on Q.

If you look at it from the last trailing nine months, we're still minus -- yeah, around the same number in the 20% zone. So it's still a significant impact for us in terms of travel and hospitality. But because we have other businesses that have picked up in fintech, in gaming, and in digital advertising, we're able to compensate that pretty nicely. And now in terms of the growth coming from the clients still, the majority of our growth is still coming from our larger clients.

But other businesses like fintech grew by 62.5%. If I include Crypto, for example, in our fintech business. Gaming grew 86%. We had a new social media client that grew by 300%.

So there's a growth almost everywhere in all our client lines. But the two larger clients seem to be contributing to the bigger part of the growth for the business.

Pang Vittayaamnuaykoon

All right. Thank you very much. Maybe also on since we touched upon the growth rate, right? Just want to understand the guidance that you provide for the full year a bit better. Given the guidance that you provide, it does assume that if you look at the fourth quarter revenue, the year-on-year growth rate will come down from what you actually achieved in third quarter.

Is there any specific trend that you serve that could just for the slowdown? And could you also help provide some framework on what should we think about growth going forward into next year as well?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

OK. So Q4 this year, one first thing you need to take into account. First of all, we have a very strong Q3, to begin with. Second, Q4 last year was unusually high, so it was almost 20% more than Q3, which is -- it was an unusual year.

It was 2020. We were in still big time in the pandemic. So we are doing -- we're going to do a great Q4. It's just that the base of comparison is much higher if you look at '20 so normally, Q4 is not as strong of all the quarters in terms of seasonality.

So that explains this, to begin with. But still, it will be a very decent growth compared to Q4 2020. Now forward-looking -- the way we look at growth moving into 2022. We're very much guided by the statistics of the markets we operate in.

And we know that specifically in Southeast Asia, we see growth at 19%. But that's the statistics we look at and we rely upon. We need to be doing more than that, and we've demonstrated in the past that we were able to beat those numbers pretty comfortably. Now we're not ready to give guidance for next year.

We will do that in the quarter four results announcement.

Pang Vittayaamnuaykoon

Sure. Thank you very much. I'm not sure whether is that still time to ask more questions or maybe I can go back to the Q1 as well?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

You can monopolize the time or to you, Pang.

Pang Vittayaamnuaykoon

Sure, sure, sure. Maybe I also wanted to understand, right, the growth, if you could share in terms of country by country, if there's any color on like which countries you see a very interesting trend in especially Otis, you mentioned that there's growth in countries like Philippines and Malaysia that seem to be doing better as well. If there's any color on that would be helpful. And further on that, as you expand it into more geographies, whether it's Colombia, Spain, India, Romania if you can also share with us how the progress and traction being in this new geography as well.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Absolutely. So absolutely, Malaysia and the Philippines are powerhouses. The -- from Malaysia grew by 40% and the Philippines by 45%. So it's quite solid growth.

But other markets grew as well pretty well, Japan by 66%. And Spain, which is starting from a small base by 193%. But really, we're placing a lot of expectations around Malaysia and the Philippines as they are the central keys to our business. Now moving forward in terms of new countries, as you know, we pursue an organic growth strategy.

We're pursuing quality growth. So it will take time for them to grow. So usually, it takes us about three years to get to decent levels, which we're starting to enjoy with Spain. As Colombia, we just opened at the beginning of this year in the middle of the pandemic, and then we just opened India as well in the middle of the pandemic, but we've signed up our first client in India.

We sign up our first clients in Colombia. We are opening Romania as well. And we did in a small way as a support to our Barcelona operation. And so the global expansion will take a bit of time to grow.

But so we're relying a lot of our growth on our existing footprint in Asia Pacific for the moment.

Pang Vittayaamnuaykoon

Sure. Thank you very much. Maybe --

Jason Lim -- Investor Relations

Thanks, Pang. I think we have about six questions online. So maybe we'll just take the six questions first before we come back to you if we have more time.

Pang Vittayaamnuaykoon

All right. Thank you.

Jason Lim -- Investor Relations

OK. Thank you.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, sorry.

Jason Lim -- Investor Relations

So I'll just read out about some of the questions that we have. I think we can combine two questions from Xing, Janco Partners and KC from CIMB. It's about which inflation. Can you talk about the impact of inflation on wages and our cost structure? And what is the -- does the MSA allow for which inflation to be passed on to your clients? And if so, how do we put it?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

All right. So I'll share this one with Mr. Chin. So far, we've been able to cushion wage inflation pretty well.

And it's a collaboration with our clients to begin with. So our clients are very involved in the work we do, and we're always watching labor competition, attrition, competencies. And so we work together to adapt our compensation and benefits strategies, together with our clients' pricing. We're not always able to offset wage inflation on our clients.

But we do work together, and we track a number where we look at our revenue growth versus our wage inflation, and Mr. Chin will talk more about this. At this point, it's positive. So it's definitely on the list of things we do.

Our contracts vary in terms and in the duration and in terms of whether we can have a COLA, cost of living adjustments? Or do we need to wait for the contract to be renewed to ask for a wage increase or price increase? But in some cases, we work with clients directly even doing contract time to decide on changing the pricing to give us the possibility to attract the right competent labor. So I hope that answers the question. Mr. Chin, if you will give a bit of color on how our wages have inflated versus our revenue, that would be useful.

Chin Tze Neng -- Chief Financial Officer

Yes, Laurent. Revenue per agent has increased quarter to quarter by 5%. And on the flip side, which employs benefit expense per employee on average, blended, has increased by 3%. So our supplement Lance explanation by saying that while we try to pass on dollar for dollar of wage inflation to our clients.

We also work on enhancing and improving our productivity to buffer against such wage inflation in terms of using better tools, automation, and reorganize our support team. And the management team on all those programs that are going through this wage inflation net issues. So I would say we historically have been able to buffer this rig inflation pretty closely. Well, the remaining period in coming months and years, the inflation is a pretty common topic exposed by many companies and employers.

We still will be watching closely and reorganized our revisit and reorganized our compensation package to be able to meet the -- our delivery both to our clients at the same time to manage the margins closely. Thank you.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, Mr. Chin.

Jason Lim -- Investor Relations

OK. Thanks, Mr. Chin. So we have the next question online from a couple of investors, again, more or less the same.

We have grown the 13% Q on Q in the current quarter, but the implied guidance is only two to 3% Q on Q into the fourth quarter. Any reason for that change the different growth rates in Q4 revenue?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

No. I think we're really tracking according to plan. This is very much what we had forecast Q4 that we got. As I mentioned earlier, the contrast between Q4 2020 and then the strong Q3 that we were anticipating.

So it's not unexpected. It's very much in line with our forecast. And I think there was a question earlier on about the impact of travel on our business. And actually, I may not have answered it properly.

But our growth, excluding travel, would have been 43%. So that's to give you a sense of the overall impact of trouble on the business.

Jason Lim -- Investor Relations

Sorry, just to clarify the result for the nine months?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Yeah, I think the first 9 months, yeah.

Jason Lim -- Investor Relations

So I think we now have a question on the conference call from Varun. Stuart, can we move back to having the question from Baron on the call, please.

Operator

Sure, Jason. We have a question from the line of Varun Ahuja from Credit Suisse. Please go ahead.

Varun Ahuja -- Credit Suisse -- Analyst

Yeah. Hi. Congrats to the management for a strong quarter. I've got a few questions.

Lauren, you have seen very strong traction in the appliance metric, so you've added 16 clients. I would love to hear the breakup where which verticals and any of the clients, obviously, without naming, you will not see a lot more excitement from your side. Plus, how long do you think these clients will take to ramp up, right? Generally, client addition is a strong metric we should focus on because it leads to future growth potential. So how long does it take in your experience for clients to start meaningfully ramping up? And on the clients, again, side, the last question, I want to understand, over the last few years, you have been looking at your client base and kind of restructuring some of those clients who are not paying, how you over that phase now? Should we expect continued growth in clients and kind of churning out some of the low accounts? So that is on the client side? I can come back for the other portion.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, Varun. So yes, I'm quite excited about the new logos that we've brought in, to begin with in terms of acceleration of the pace. So I think first nine months of last year, we had brought in about nine new logos this year, 16. So there is definitely an acceleration here.

Out of the 16 logos we brought in as well if you wanted a bit of color. Nine of them are from Asia, which is an interesting trend. Historically, a lot of our logos are companies from the West, North America primarily, but we're starting to see the emergence of Asian companies, which is exciting. I'm excited about the businesses we brought in, in terms of crypto, which is starting to yield pretty fast.

And then we brought in also food and delivery, which is an interesting new sector for us that we didn't have. We brought in an interesting business in gaming as well, two of them in gaming, one Asian and one European. So that's going to be super interesting. And one in travel as well, social media as well.

So really interesting new economy sectors primarily. Now how long does it take for these businesses to really yield? It takes time. It takes two or three years for them to ramp to the kind of revenues we enjoy with the bigger clients that we have at this point. But they're going to be yielding as soon as next year.

That's a small base, and then they will grow in the next two to three years.

Varun Ahuja -- Credit Suisse -- Analyst

Sure. Also, if you can give more color on the food delivery plan? Is it Asia based? Or is it a European or American base? Any color?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

There are both European-based western baselines.

Varun Ahuja -- Credit Suisse -- Analyst

OK. Thanks. Laurent, now that post the IPO, there is a cash on the balance sheet, you're pretty comfortable. And clearly, there are certain product gaps may be in terms of the capabilities or in terms of region? How are you thinking about the M&A path angle toward it? Is there any time line that you have in mind? How are you thinking about the M&A that would be helpful?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Yep. Great question, Varun. So we want to be very selective in terms of our M&A. We're starting to build our pipeline.

We want to be strategic about it. We know also that M&A can be opportunistic. So one needs to be patient, but we will be looking at either the possibility of bringing complementary companies who are accretive to our profit. So to begin with first criteria, they need to be profitable.

Second, they need to be adding to either vertical we don't already have or geographies we don't already have, so really complementary to our business. And then they need to be, in the sense, profitable but also having a similar culture of DNA that we have. So that makes quite a number of criteria. And that's why I'm saying it's going to be beyond strategic is going to be also opportunistic.

So our team is working on this. But at least now we have the means and the capabilities to complete those deals. And there are quite a few. The market is sufficiently fragmented worldwide and in our region as well in some geographies to have enough opportunities for us to pass.

So there will be some possibilities there.

Varun Ahuja -- Credit Suisse -- Analyst

Sure. Last question for me. Laurent, you mentioned on a nine months basis, you've grown 43%.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Varun, we lost you.

Jason Lim -- Investor Relations

Varun, we lost you. You're breaking up.

Varun Ahuja -- Credit Suisse -- Analyst

-- but we have also added new logos. So should we expect on a Y-o-Y basis, a much stronger number than the 19% industry number that you're indicating based on the fracture that you've seen on the business?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

I think, Varun, what you asked is that we grew 43%. If I exclude travel and hospitality, and that's a much stronger number than the 19%, which is the market -- what the market is doing. Is that correct?

Varun Ahuja -- Credit Suisse -- Analyst

Yeah. And additionally, the travel should recover next year is the general perception, but if you think that's not right, it's still -- still in your outlook, believe travel will be a little bit of a struggle. We want to hear because travel this year, as you mentioned, has declined 20% so a recovery, hopefully, that will provide for the tailwind for your growth so I just want to understand your views overall.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Yeah, I understand. No. I mean, comments, I only apply common sense to and estimate that the travel will pick up next year. We sense on the airlines in Asia, that there is some moves happening right now in terms of growth.

You can see that the economies are reopening. I know you're based in Singapore. We know that with the VTLs, things are really happening, which is good news for us for sure. So yeah, that should be, if it picks up as expected, and there's no new crazy thing happening.

We should be able to definitely benefit from the growth of the travel and hospitality next year.

Varun Ahuja -- Credit Suisse -- Analyst

Thank you, Laurent, and good luck for the next quarter.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you.

Jason Lim -- Investor Relations

Thank you. So we move on to a question from online from [Inaudible] GMO. The content moderation business has shown low single-digit growth. This is the new normal for the business?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

So well, content moderation is interesting. There's definitely a favorable market for it. As you can see from the news, as you heard, increased scrutiny around social media. So we believe there is a conducive environment for social media players to increase their support in terms of content moderation.

So now at TDCX, this is a business that started pretty recently. In 2018, it grew significantly. And so it kind of steadied a little bit more this year for us. And we have one major client in the space.

I think you can guess which one. And then, of course, we are now adding more clients on the back of our experience in social media and in content moderation. So we've added one new client that's starting with us in Colombia. So we are also, as part of this effort, working on data annotation and data labeling as a support to content monitoring and moderation as well, an extension to it.

So there is a potential in the space. We don't have statistics or market statistics at this point to indicate or give us guidance as to the growth and the pace at which it will grow moving forward. So I cannot really comment at what pace it is going to grow at this point.

Jason Lim -- Investor Relations

Thanks, Laurent. So now we move back to the conference call. There's a follow-up question from Pang. Stuart will go more back to Pang, please.

Operator

Thank you, Jason. Yes, we have a follow-up question from Pang Vitt from Goldman Sachs. Please go ahead.

Pang Vittayaamnuaykoon

Thank you very much. Maybe I want to also hear your thoughts about the factor one of your main clients actually announcing their plan to move toward the concept of metal first and investing more from that angle. Do you think that there's going to be any materially or potential benefit from your point in the service that you actually serve to high?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Well, yes, I mean we think the positioning of our client is -- I cannot speak on their behalf. I just know that reading like you, the news, there's a lot of excitement around metaverse. There's also, I think, market consensus that both our biggest clients are growing. There are plenty of new initiatives.

So it's very exciting to be part of the space. Now it's up to us. And of course, the client to see how we can take these opportunities onboard and see how we can benefit from it. But other than that, I don't have enough knowledge about the metaverse to imagine, at this point, the impact it's going to have, except being very excited about it.

Pang Vittayaamnuaykoon

Thank you. Maybe I can also add certainly on the guidance around EBITDA margins, especially as your EBITDA margin this quarter increased significantly to close to 36%, but the full year guidance or EBITDA margins still imply that margins will go back to around 30, 31% next quarter. In the longer point of view, what should we think about the margin trend? Are you going to go for like higher margins from where we see you are or is going to be like steadily decline? And also on that point, is there any one-off expense that we should be aware of in the quarter?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Very sharp question, Pang. I'm going to handle the first one on the outlook for margin, and then I'll leave Mr. Chin to talk to you about the behavior of the margin over the past few months and so on. So from the outlook, we don't see a tremendous drop or any job.

We don't see an increase either. We think it will stay around between 29 to 32% as long as we can continue to stick to our strategy, which is quality growth. And at this point, we have no intentions to change that strategy. So the quality growth, working offshore on the increasingly complex work.

I'm very happy that this quarter, actually, we brought in a new client in the cloud business. So we're helping them to sell cloud in multiple geographies in 13 countries. And it's really top-notch personnel that we need to deploy on this program, and it's fairly complex. So we're continuously looking for this kind of engagement, and that will give us a chance to maintain our margins.

If we also play our overheads well and be careful with our cost management. Now there's some one-off and also the margin question you had. Can I ask Mr. Chin to answer that question?

Chin Tze Neng -- Chief Financial Officer

Yes, Laurent. On the margin uptick in quarter three, I believe there were some movements in the ForEx on a few delivery sites, a few keys of our [Inaudible] in TDCX, that had a bit of an upward movement that moves in favor of TDCX that help to a certain extent, pump up the EBITDA margin by one to two percentage points from my back of the envelope calculation as well as we -- typically, in quarter three, even pre covet, we typically pump up a lot of productivity in terms of getting a lot of millibars on board so that we do not want to miss the revenue that has been ordered place into our order book. So in a sense, quarter three this year was enhanced by our pump productivity of our agents that performed pretty well considering the low base of quarter three of 2020. And the slight update in a few of our key currencies from our delivery sites that also help toward bettering the margins notably in September [Inaudible].

Thank you.

Pang Vittayaamnuaykoon

Thank you very much. Maybe last question from here. Is there any update that you can share with us regarding the Airbnb warrant that was part of the disclosure that you mentioned during the perspective?

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Yes. So thank you for this one as well, Pang. So we're still discussing with Airbnb. Look, I'm very excited about the opportunity of having this project with Airbnb.

I feel that it's an honor that the company is so interested in us. We're getting close. We're working with them and moving in the right direction. And we do not anticipate that the conclusion of it will be very material to any dilution.

And so we're very much on track with our plan for the warrant. It just takes a bit of time because it's usually quite complex. The weight structure and so on, and it's new to us as well. And so we're on track with the warrant with Airbnb.

Pang Vittayaamnuaykoon

Thank you very much.

Jason Lim -- Investor Relations

Yes. Thanks, Pang. So I'd just like to add on to the discussion on EBITDA margins just now that our guidance for EBITDA margin, as you can see in the presentation, it excludes the PSP costs, which will be recognized from Q4 2021 onwards. So I think that's all the time we have all the questions we have.

Maybe I'll just hand it over to Laurent for some closing remarks.

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Thank you, Jason. Thank you for dialing in. Appreciate it and for your interest in TCDX. This is our first earnings call.

So apologies if we're not experts at it, but we're learning as we go along, and we are very excited to be public listed and looking forward to seeing you next quarter for the next earnings results. Thank you very much.

Jason Lim -- Investor Relations

Thank you.

Operator

[Operator signoff]

Duration: 55 minutes

Call participants:

Jason Lim -- Investor Relations

Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

Chin Tze Neng -- Chief Financial Officer

Pang Vittayaamnuaykoon

Varun Ahuja -- Credit Suisse -- Analyst

More TDCX analysis

All earnings call transcripts

Источник: https://www.fool.com/earnings/call-transcripts/2021/11/25/tdcx-inc-tdcx-q3-2021-earnings-call-transcript/

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This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as “What is a secured credit card?” and how to apply. Here you'll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help our cardholders establish credit history with all three of the major credit bureaus. If you've experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Our Secured Platinum Mastercard® Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future.

If you don't find the answers to your questions here on our FAQ page, you can always contact us! Be sure to visit our "About the Program" page as well.

  • What does the card cost and what is the APR?

    First Progress currently offers three different Platinum MasterCard Secured Credit Card options. If you qualify for one of these three cards you would also qualify for either of the other two. To compare the APR and Annual Fee information for all three card offers, please Click Here.

  • What is the difference between a secured card and prepaid or debit card programs?

    Prepaid and debit cards are available to consumers with poor or inadequate credit scores, but these products generally do not offer credit and do not report to the major consumer credit bureaus. Some prepaid and debit card programs carry monthly membership fees or carry a charge for reloading funds to the card.

    A secured card is a real credit card that extends credit based on a security deposit provided by the cardholder rather than relying on the applicant’s credit history. Aside from the security deposit requirement, a secured card works just like any major (Visa®, MasterCard® or American Express®) bankcard. The cardholder can revolve a balance by paying only the minimum monthly payment, or avoid finance charges by paying the balance in full each month. Activity on the First Progress Platinum Secured MasterCard® Credit Card is reported monthly to all three major credit bureaus to help speed the accumulation of new credit history in the cardholder’s credit files.

  • What is Expedited Processing?

    We offer an optional Expedited Processing Service for $19.95. With the Expedited Processing Service your secured credit card will be processed up to 7 days faster and is only available if you use a debit or prepaid card to fund your security deposit. The $19.95 will be applied to your debit or prepaid card account along with the security deposit amount selected to fund your secured credit card.

  • Who is this card designed to serve?

    The First Progress Secured Credit Card has been designed for customers who may have had credit issues in the past and need to re-build credit or who are just starting out and need to build new credit. We seek to serve the broadest possible set of applicants, especially individuals who are seeking to improve their credit going forward.

  • Does First Progress report activity on the card account to the credit bureaus?

    Yes! In order to help our customers advance the accumulation of new information in their credit file, we report all usage and payment activity to all three national credit bureaus every month. NOTE: poor payment performance will negatively impact credit history.

  • Does it say “Secured” on the card?

    No, the card face carries the words “Platinum”, “First Progress”, and “MasterCard”, and will be embossed with your name.

  • Can I apply over the phone?

    No, not at this time. In order to focus our call center resources on the needs of existing cardholders during the present situation, we are temporarily asking that new applicants use our secure online application. Cardholders may continue to reach Customer Service using the number on the back of each card.

  • Can I apply over the web?

    Yes! Just click on the "How to Apply" page to get started! The First Progress secured card program is available to residents of a U.S. state; however, at present, it is not available in Arkansas, Iowa, New York, or Wisconsin.

  • I sent in an application. How long will it take to receive a response?

    Our goal is to process applications in three weeks or less. If it has been longer than 3 weeks, and you have received no response from us, please contact us.

  • How do I contact First Progress if I have additional questions?

    Our contact information is listed on the Contact Us page, and can also be accessed by clicking here.

  • If I close my account, how will I receive a refund of my security deposit?

    We will automatically credit your account for the amount of the security deposit in full when you close your account. If a credit balance remains after any outstanding charges, a credit balance refund check will be a mailed to your address of record within 10 weeks. If you wish to receive your credit balance refund check on an expedited basis after closing an account, please request this by writing us at First Progress Credit Balance Refund Requests, PO Box 9053, Johnson City, TN 37615-9053. We will issue a credit balance refund check within 7 business days upon receipt of such a request.

  • Источник: https://www.firstprogress.com/faq

    Contact First Progress Customer Service

    First Progress Phone Numbers and Emails

    Legal:

    • (800) 695-0987

      Privacy Inquiries

    • (866) 706-5543

    First Progress Email:

    General Info

    More phone numbers and emailsLess phone numbers and emails

    First Progress Contact Information

    First Progress Online Chat:

    Corporate Office Address:

    First Progress

    P.O. Box 9053

    Johnson City,Tennessee37615-9053

    United States

    Edit Business Info

    How to Contact First Progress Customer Service

    Reach First Progress Customer Service Via Phone

    First Progress customer support can be reached through mailing address, help center, and online customer center. There is no First Progress email address or phone number on the website. However, you can dial the First Progress phone number provided on their Facebook page that is (866) 706-5543). Or, use the number you see at the back of your card to get in touch with customer service.

    Reach First Progress Customer Service Via the Website

    The First Progress recommends that customers browse the “About Program” and “FAQ/Help” pages to find standard information about the company and answers to the most common customer questions.

    The About Program page discusses in details the 3 First Progress MasterCards dubbed Prestige, Select, and Elite. It informs about the available credit, annual percentage rate, security interest, minimum deposit requirements, and annual fees associated with each card.

    The FAQ/Help page also provides information regarding the difference between various First Progress cards.

    The First Progress website offers a self-service card application process. However, the online application process is not available in Iowa, Arkansas, Wisconsin, and New York. There is also a secure First Progress customer center where existing customers can log in and check their application status and fund their accounts.

    Reach First Progress Customer Service Via Mail

    First Progress recommends that customers write to them regarding charge disputes, requesting for an expedited credit balance refund check after closing an account, and any other issues. The First Progress address for mailing your correspondence is First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053.

    Reach First Progress Customer Service Via Social Media

    Although First Progress has a Facebook and Twitter account, there is no recent activity or significant following on both pages. You could send a direct message to First Progress customer support on either or both accounts, but there is no evidence whether the representatives will respond.

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    First Progress Rating Based on 1.1K Reviews

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    All 1.9K First Progress reviews

    Summary of First Progress Customer Service Calls

    25K TOTAL
    CALLS

    03:06 AVG CALL
    DURATION

    25% ISSUES
    RESOLVED

    Top Reasons of Customers Calls

    Consumers Call the Most From

    Why Do People Call First Progress Customer Service?

    Cards Question:

    • “Too see where my credit card”
    • “Card was charged”
    • “Card issues”

    Payments and Charges Question:

    • “Pay bill”
    • “Billing”
    • “Should not have been billed”

    Account Question:

    • “Im Trying to close my account”
    • “Account balance”
    • “New to creating account, birthday says its wrong”

    Request for Information Question:

    • “Talk about a payment”
    • “Questions about a new secured credit card”
    • “Questions about payment”

    Shipping and Delivery Question:

    • “Me aprovaron una tarjeta de credito en enero de este año pero la tarjeta no me ha llegado.”
    • “Didn't receive card”
    • “Did not recieve card”

    Activation/ Cancellation Question:

    • “Cancel account”
    • “I would like to cancel my card”
    • “Cancellation”

    Website/ Application Question:

    • “Application status”
    • “New application”
    • “My existing application”

    Refund Question:

    • “Says an error with my refundable security deposit but won't let me finish application instead asks me if I want to start a second application.”
    • “Refund my deposit”
    • “Refund question”

    Staff Question:

    • “Customer service”
    • “Want to contact customer service”
    • “To try Customer Service”

    Employment Question:

    • “Pay off card”
    • “To pay off my card and cancel the Card”
    • “Pay off my Balance on my credit card.”

    Return/ Replace Question:

    • “Need to change an address”
    • “Replacement of bank card”
    • “To change address”

    Product/ Service Question:

    • “Pin not working”
    • “My money I earned from work how can I get it off the card”
    • “Order a new card”

    Other Question:

    • “Late fee”
    • “Personal”
    • “They took my money”

    About

    First Progress Terms of Service

    PLEASE READ THESE FIRST PROGRESS WEB SITE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, THE USER OF WEBSITE AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE. All product and service marks contained herein that are not First Progress marks are the trademarks of their respective owners. References that Website make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not imply any endorsement, sponsorship or recommendation of the third party, information, product or service by First Progress unless www.firstprogress.com specifically inform The Customer otherwise. Linked sites are not under the control of First Progress and First Progress is not responsible for the contents of any linked site or any link contained in a linked site. WHEN THE USER ACCESS A LINKED SITE, THE CUSTOMER'S RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY.

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    First Progress Privacy Policy

    To read more: https://apply.firstprogress.com/pdfs/first_progress_privacy_policy.pdf

    First Progress FAQ

    This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as "What is a secured credit card?" and how to apply. Here The Clientll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help Company's cardholders establish credit history with all three of the major credit bureaus. If The User of company servicesve experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future. Be sure to visit Company's "About the Program" page as well. First Progress currently offers three different Platinum MasterCard Secured Credit Card options.

    To read more: https://apply.firstprogress.com/faq

    Top First Progress Services

    Customer Care, Shipping Service, Card Activation

    Top First Progress Products

    Credit Card, Account, Deposit

    First Progress Pros and Cons

    Pros: Idea of rebuiding my credit, I was hoping to rebuild my credit, Building credit, Only the fact that they offered me a card to rebuild my credit, Build credit

    Cons: Difficulty in reaching support for help, No customer service contact email phone or chat, Everything about my experience was horrible, Hard to contact, Impossibility of reaching a representative for answers

    Summary

    First Progress is a company that specializes in providing various financial services. The company has been in business for more than 5 years and its head office is located in Columbus, GA. First Progress mainly focuses on giving building and re-building credits and mortgages. The company works with U.S. residents only. On top of that First Progress provides a Secured Credit Card Program which is not available in New York, Arkansas, Wisconsin and Iowa states. The company offers various consulting services like toll free consultations and 24/7 online customer support.

    First Progress reviews and complaints

    First Progress is ranked 40 out of 194 in Cards category

    Area Served

    Worldwide, USA

    Payment Methods

    VISAMasterCard

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    Use the Become a Progressive Agent form to inquire about becoming an agent or broker.

    Email Investor Relations or use the Contact Investor Relations form to request information via mail.

    Источник: https://www.progressive.com/contact-us/

    Contact First Progress Customer Service

    First Progress Phone Numbers and Emails

    Legal:

    • (800) 695-0987

      Privacy Inquiries

    • (866) 706-5543

    First Progress Email:

    General Info

    More phone numbers and emailsLess phone numbers and emails

    First Progress Contact Information

    First Progress Online Chat:

    Corporate Office Address:

    First Progress

    P.O. Box 9053

    Johnson City,Tennessee37615-9053

    United States

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    How to Contact First Progress Customer Service

    Reach First Progress Customer Service Via Phone

    First Progress customer support can be reached through mailing address, help center, and online customer center. There is no First Progress email address or phone number on the website. However, you can dial the First Progress phone number provided on their Facebook page that is (866) 706-5543). Or, use the number you see at the back of your card to get in touch with customer service.

    Reach First Progress Customer Www victoriassecret com india Via the Website

    The First Progress recommends that customers browse the “About Program” and “FAQ/Help” pages to find standard information about the company and answers to the most common customer questions.

    The About Program page discusses in details the 3 First Progress MasterCards dubbed Prestige, Select, and Elite. It informs about the available credit, annual percentage rate, security interest, minimum deposit requirements, and annual fees associated with each card.

    The FAQ/Help page also provides information regarding the difference between various First Progress cards.

    The First Progress website offers a self-service card application process. However, the online application process is not available in Iowa, Arkansas, Wisconsin, and New York. There is also a secure First Progress customer center where existing customers can log in and check their application status and fund their accounts.

    Reach First Progress Customer Service Via Mail

    First Progress recommends that customers write to them regarding charge disputes, requesting for an expedited credit balance refund check after closing an account, and any other issues. The First Progress address for mailing your correspondence is First Progress Card, P.O. Box 9053, Johnson City, TN 37615-9053.

    Reach First Progress Customer Service Via Social Media

    Although First Progress has a Facebook and Twitter account, there is no recent activity or significant following on both pages. You could send a direct message to First Progress customer support on either or both accounts, but there is no evidence whether the representatives will respond.

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    First Progress Rating Based on 1.1K Reviews

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    All 1.9K First Progress reviews

    Summary of First Progress Customer Service Calls

    25K TOTAL
    CALLS

    03:06 AVG CALL
    DURATION

    25% san jose del cabo costco ISSUES
    RESOLVED

    Top Reasons of Customers Calls

    Consumers Call the Most From

    Why Do People Call First Progress Customer Service?

    Cards Question:

    • first progress contact phone number “Too see where my credit card”
    • “Card was charged”
    • “Card issues”

    Payments and Charges Question:

    Account Question:

    Request for Information Question:

    Shipping and Delivery Question:

    • “Me aprovaron una tarjeta de credito en enero de este año pero la tarjeta no me ha llegado.”
    • bank of america home loans contact phone number “Didn't receive card” first progress contact phone number
    • “Did not recieve card”

    Activation/ Cancellation Question:

    Website/ Application Question:

    • “Application status”
    • “New application”
    • “My existing application”

    Refund Question:

    • “Says an error with my refundable security deposit but won't let me finish application instead asks me if I want to start a second application.”
    • “Refund my deposit”
    • “Refund question”

    Staff Question:

    • “Customer service”
    • “Want to contact customer service”
    • “To try Customer Service”

    Employment Question:

    • first progress contact phone number “Pay off card”
    • “To pay off my card and cancel the Card”
    • amazon photos upload “Pay off my Balance on my credit card.”

    Return/ Replace Question:

    • “Need to change an address” first progress contact phone number
    • “Replacement of bank card”
    • “To change address”

    Product/ Service Question:

    • “Pin not working”
    • “My money I earned from work how can I get it off the card”
    • “Order a new card”

    Other Question:

    About

    First Progress Terms of Service

    PLEASE READ THESE FIRST PROGRESS WEB SITE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, THE USER OF WEBSITE AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE. All product and service marks contained herein that are not First Progress marks are the trademarks of their respective owners. References that Website make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not imply any endorsement, sponsorship or recommendation of the third party, information, product or service by First Progress unless www.firstprogress.com specifically inform The Customer otherwise. Linked sites are not under the control of First Progress and First Progress is not responsible for the contents of any linked site or any link contained in a linked site. WHEN THE USER ACCESS A LINKED SITE, THE CUSTOMER'S RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY.

    To read more: inb certified https://apply.firstprogress.com/terms

    First Progress Privacy Policy

    To read more: https://apply.firstprogress.com/pdfs/first_progress_privacy_policy.pdf

    First Progress FAQ

    This FAQ page has answers to the most common questions about how to build credit fast with First Progress, such as "What is a secured credit card?" and how to apply. Here The Clientll find links to information about the program's APRs, fees, and other terms, along with answers to questions about the application process and how the program works to help Company's cardholders establish credit history with all three of the major credit bureaus. If The User of company servicesve experienced difficulty finding credit because of a poor or inadequate credit score, First Progress can help. Credit Card was designed to help individuals with credit issues or inadequate credit history to establish a better future. Be sure to visit Company's "About the Program" page as well. First Progress currently offers three different Platinum MasterCard Secured Credit Card options.

    To read more: https://apply.firstprogress.com/faq

    Top First Progress Services

    Customer Care, Shipping Service, Card Activation

    Top First Progress Products

    Credit Card, Account, Deposit

    First Progress Pros and Cons

    Pros: Idea of rebuiding my credit, I was hoping to rebuild my credit, Building credit, Only the fact that they offered me a card to rebuild my credit, Build credit

    Cons: Difficulty in reaching support for help, No customer service contact email phone or chat, Everything about my experience was horrible, Hard to contact, Impossibility of reaching a representative for answers

    Summary

    First Progress is a company that specializes in providing various financial services. The company has been in business for more than 5 years and its head office is located in Columbus, GA. First Progress mainly focuses on giving building and re-building credits and mortgages. The company works with U.S. residents only. On top of that First Progress provides a Secured Credit Card Program which is not available in New York, Arkansas, Wisconsin and Iowa states. The company offers various consulting services like toll free consultations and 24/7 online customer support.

    First Progress reviews and complaints

    First Progress is ranked 40 out of 194 in Cards category

    Area Served

    Worldwide, USA

    Payment Methods

    VISAMasterCard

    Edit First national bank of america home loans First Progress To

    Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

    Источник: https://first-progress.pissedconsumer.com/customer-service.html

    All information about Green Dot primor Mastercard Gold Secured Credit Card, Green Dot primor Visa Classic Secured Credit Card, and Green Dot primor Visa Gold Secured Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.


    A guide to secured credit cards

    If your credit isn’t its best or you are new to credit, your options can be limited. In fact, the New York Federal Reserve reports that in October 2020, 21.3% of consumers were rejected when applying first progress contact phone number credit cards. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.

    Secured cards require a refundable deposit that you are borrowing off of for your available credit limit. In many cases, they may be your only option. But they are a great way to build credit and to develop good payment habits.

    We evaluated more than 200 secured credit cards using such criteria as: rates and fees, deposit amounts, ability to improve credit, customer service, and miscellaneous features and benefits. Below are our top picks for the best secured cards and further information to help you make your decision and improve your credit so you can qualify for even better offers.


    Comparing the best secured card offers

    Credit CardBest For:Minimum Deposit RequiredAnnual Fee
    Capital One Platinum Secured Credit CardNo annual fee$49, $99, or $200$0
    Capital One Quicksilver Secured Cash Rewards Credit CardFlat-rate rewards$200$0
    OpenSky® Secured Visa® Credit CardNo credit check$200$35
    Applied Bank Secured Visa® Gold Preferred® Credit CardLow interest$200$48
    Citi® Secured Mastercard®Building creditMinimum $200$0
    First Progress Platinum Elite Mastercard® Secured Credit CardWide acceptance$200 – $2,000$29
    Surge Secured Mastercard®Fast application process$300$69
    Discover it® Secured Credit CardCash back$200$0
    Self — Credit Builder Account + Secured Visa® Credit CardEstablishing creditSee TermsSee Terms
    First Progress Platinum Prestige Mastercard® Secured Credit CardBad credit$200-$2000$49
    Self — Credit Builder AccountGetting a small loanSee TermsSee Terms

    best secured cards of 2021

    Best Secured Credit Cards of 2021

    Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee

    Overview: This card’s no annual fee makes it a great wsfs bank lobby hours card. Also, the no foreign transaction fee makes it a good card for overseas travel or making purchases on foreign sites.

    Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.

    Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.

    Read our full Capital One Platinum Secured Credit Card review.

    Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards

    Overview: This new credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees, with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.

    Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.

    Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.

    Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.

    OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check

    Overview: Unlike most credit cards, the OpenSky Secured Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.

    Pros: No credit check is required with the OpenSky Secured Visa, which is a rarity for credit cards.

    Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.

    Read our full OpenSky® Secured Visa® Credit Card review.

    Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest

    Overview: There’s no intro 0% offer, but this low interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.

    Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.

    Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be earned here.

    Read more about the Applied Bank Secured Visa® Gold Preferred® Credit Card.

    Citi® Secured Mastercard®: Best secured credit card for building credit

    Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.

    Pros: There is no annual fee which is always a plus.

    Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.

    Read our full Citi® Secured Mastercard® review.

    First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance

    Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)

    Pros: United heritage credit union kyle tx card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.

    Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 19.99%.

    Read more about the First Progress Platinum Elite Mastercard® Secured Credit Card.

    Surge Secured Mastercard®: Best secured credit card for fast application process

    Overview: The Surge Secured Mastercard promises a fast and easy application process with results in seconds and, given its low barrier to entry from a credit standpoint, is an option for people with bad credit.

    Pros: It’s one of the few secured cards on the markets that offers rewards (1% cash back on all purchases). Card use is reported to all three credit bureaus and you’ll get free access to your Vantage 3.0 score from Experian when you sign up for e-statements.

    Cons: The ability to earn rewards might distract some cardholders from their credit-building goals, so you’ll want to be careful not to overspend in an attempt to earn cash back. Also, the card touts a number of high fees, including a $69 annual fee, up to a $40 late payment fee and a $30 additional card fee.

    Read more about the Surge Secured Mastercard®.

    Discover it® Secured Credit Card: Best secured credit card for cash back

    Overview: Earn 2% back at gas stations and restaurants for up to $1,000 in combined spend each quarter (then 1% cash back); plus, Discover will match your cash back at the end of your first year. That means, if you spend $300 a month at restaurants and gas stations, you will earn $6 a month, plus $72 at the end of your first year for the Cashback Match, coming to $144.

    Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after eight months to see if they can transition you to an unsecured card.

    Cons: There’s a lot to love about this card, but the regular APR is not one of them. Higher than the average APR for credit cards, which is 16.21%, the Discover it Secured Credit Card’s variable APR is one of the highest among secured cards.

    From our expert: “The Discover it Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of tiber river capital crossword clue on up to $1,000 in combined spend each quarter, then 1%

    Read our full Discover it® Secured Credit Card review.

    Self – Credit Builder Account + Secured Visa® Credit Card: Best secured product for establishing credit

    Overview: Whether you’re establishing first progress contact phone number credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.

    Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.

    Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the one-time $9 account fee and yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.

    Read more about the Self – Credit Builder Account + Secured Visa® Credit Card.

    First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit

    Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the card’s credit limit.

    Pros: The card carries a regular variable APR of 9.99%, which achieve financial credit union account number favorable for a secured credit card.

    Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.

    Read more about the First Progress Platinum Prestige Mastercard® Secured Credit Card.

    Self – Credit Builder Account: Best secured product for getting a small loan

    Overview: With this financial product, you basically get a small loan that funds an FDIC-insured certificate of deposit for 12 or for 24 months. Then, once the account’s term ends, you’ve built your credit and your CD unlocks.

    Pros: This is a good way to build credit for someone with an iffy score. There’s no hard pull on your credit, and it doesn’t matter where your credit stands when you begin.

    Cons: There’s an “administrative fee” that is on a sliding scale, depending on how much you pay into your “account.” So, if you pay $89 a month for 12 months, you pay a $12 administrative fee and you get $1,000 at the end of the year, $68 shy of what you’ve put in, bringing the total finance charge to $80.

    Read more about the Self – Credit Builder Account.

    Research Methodology

    Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:

    • Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
    • Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
    • Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.

    Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.

    What are secured cards?

    A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.

    Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.

    How do secured cards work?

    To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.

    Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.

    There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to get a higher credit limit when initiating. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.

    With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.

    Pros and cons of secured cards

    Pros of secured cards

    • Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity to establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you make regular payments.
    • Get into the right habits. Aside from the initial deposit, most secured cards work woodforest national bank create online account like a traditional credit card. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
    • Generous acceptance. One benefit of secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.

    Cons of secured cards

    • Money needed up front. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for first progress contact phone number in a tight situation.
    • High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
    • Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.

    How to get a secured credit card

    If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer to see what cards are available outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:

    1. Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer.
    2. Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
    3. Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
    4. Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.

    What credit score do you need to be approved for a secured credit card?

    Because you are not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal or bad credit history are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:

    • Very poor: 300 to 579
    • Fair: 580 to 669
    • Good: 670 to 739
    • Very good: 740 to 799
    • Exceptional: 800 to 850

    Your choice in credit card should be based on your personal goals and finances. A secured credit card will require a cash deposit ranging from a few hundred dollars to several thousand. Determine what sort of credit limit makes the most sense for you and how much of an initial deposit that will require. If your card limit is on the lower end of the spectrum and you think you’ll routinely make purchases that eat up the majority of your available credit, understand that this type of high usage can impact your credit score. In these situations, a high limit secured card may be a better option.

    Aside from spending habits, you’ll also want to take into consideration any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.

    When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:

    • Hidden fees: While some fees are clearly marked in the “Schumer Box” at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and can pile up fast. Heads up that secured cards can have the most fees.
    Источник: https://www.creditcards.com/secured/

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    TDCX Inc. (TDCX) Q3 2021 First progress contact phone number Call Transcript

    TDCX Inc.(NYSE:TDCX)
    Q3 2021 Earnings Call
    Nov 24, 2021, 7:30 a.m. ET

    Contents:

    • Prepared Remarks
    • Questions and Answers
    • Call Participants

    Prepared Remarks:


    Operator

    Ladies and gentlemen, thank you for standing by. I'm Stuart, your course call operator. Welcome, and thank you for joining the TDCX, Inc. third quarter 2021 results conference call.

    [Operator instructions] I would now like to turn the call over to management. Please go ahead.

    Jason Lim -- Investor Relations

    Hello, everyone, and welcome to TDCX 2021 third quarter earnings conference call. My name is Jason Lim from Investor Relations and allow me to introduce management on the call. We have our executive chairman, founder, and CEO, Mr. Laurent Junique; and our CFO, Mr.

    Chin Tze Neng. Before we continue, I'd like to remind you that we will make forward-looking statements, which are subject to risks and uncertainties and may not be realized in the future. You should not place undue reliance on any forward-looking statements. Also, this call includes a discussion of certain non-GAAP financial measures such as EBITDA and EBITDA margins.

    For a reconciliation of the non-GAAP financial measures to the closers GAAP measures, please refer to our press release on the Form 6-K, which are available on our IR website. Lastly, we have provided a convenient translation for the translations of Singapore dollar into the U.S. dollar. This was done at a rate of $1 to SGD 1.3611, this should not be construed as representations that the Singapore dollar amounts could be converted into the $and this or any other rate.

    Our management will now share updates on the operating and financial performance. This will be followed by a Q&A session in which we welcome any questions you may have. With that, let me turn the call over to Laurent. Laurent, please.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, Jason. Hello, everyone, and thank you for joining us today. It is my absolute pleasure to welcome you to our first-ever results call as a public company. Before we begin, I'd like to take a moment to thank all our clients, partners, and investors for your support and for being part of this incredible journey toward our successful IPO in October.

    What we've achieved would not have been bank of america loan department with our amazing team of over 14,000 people who have helped deliver steady results over the past years. And in particular, for this set of results, which we are reporting on. Let me now go through some highlights of our Q3 performance. We are very pleased to announce strong revenue and earnings growth for the quarter.

    So a strong Q3 revenue rose 41% year on year to $109 million, mostly contributed by large established clients in digital media and travel, in particular, travel came back in a good way for us. It is still not at 2019 levels, though. We also continue to ramp up in exciting verticals such as fintech and gaming. Revenue rose across all the geographies we operate in, two of our largest geographies, Malaysia and the Philippines continue to deliver very strong growth, while newer footprints like Japan and China, grew in excess of 50%, savings bank of danbury online Spain doubled year on year.

    During the quarter, we achieved a new milestone with maiden revenue contributions from Latin America as we commence our first campaign in Colombia. I'm also excited by our performance in sales and digital marketing where revenue rose 93%. And mercer county state bank hermitage pa largest plants in this space significantly expanded their volumes with us year on year. Revenue from a relatively new professional social media clients in this segment rose four parts.

    We're focused on quality growth, higher margins by staying true to our strategy of focusing on new economy clients and our strength in Southeast Asia, we continue to achieve quality growth and improve upon our margins. EBITDA rose 51% to $39 million as EBITDA margins rose to 35.5%. Revenue from new economy clients continued to increase and now stands at 93.4% of total revenue in Q3. New logos, we continue to gain traction with new clients.

    Since the start of 2021, we have signed 16 new logos, including several of the fast-growing technology companies in Asia. Our new logos also included our first clients in the food delivery and crypto verticals. Since we synchrony bank card login signed a crypto client we've deepened our relationship with them and they've started to contribute meaningfully to revenue. Operationally, we delivered on our headcount increase and continued to expand as total headcount rose 34% to over 14,100 as at 30th of September 2021.

    We believe that this stellar set of results puts us on the fun footing moving forward as we start this new chapter as a listed entity. Mr. Chin will share more details on the financials later. But for the benefit of the new investors and analysts joining us, let me quickly provide an overview of our business before I hand it over to our CFO.

    Our business comprises three key service offerings. Number one, omnichannel CX solutions; number two, sales and digital marketing services; and number three, content monitoring and moderation services for omnichannel customer experience. We help our clients manage relationships with their customers by providing complex customer experience solutions, such as after-sale service and customer support across multiple languages and multiple channels. One simple example would be helping a foreign English-speaking visitor resolve urgent accommodation issues with the Japanese was a bilingual people who is well-trained to handle complex level issues.

    For sales and digital marketing services, we help small, medium enterprises plan and execute their digital advertising campaigns on the world's leading social media and search engine platforms. This requires specialized personnel well versed in the signs of ad optimization on such digital platforms. Lastly, our content monitoring and moderation services help our clients create a safe and secure online environment for social media platforms by providing the human touch to content monitoring. So the services made up 62%, 22%, and 14% of our Q3 revenues, respectively.

    While CX solutions have historically represented the usaa routing number for direct deposit of our business over time, sales and digital marketing as well as content monitoring and moderation services have both seen a greater share of the revenue mix. This increased diversification in our business mix represents our efforts in continually adapting to our customers' changing business needs and our ability to go with our customers at scale. Now in terms of the addressable market, we operate in a very exciting space, where we see increasing demand in CX services, especially in Southeast Asia from new economy clients. According to Frost and Sullivan, the Southeast Asia CX market size stood at $10 billion in 2020 and is expected to grow to $14 billion by 2025.

    Within this space, the new economy segment alone is expected to rise even faster at the compounded annual growth rate or CAGR of 19%. And from a global context, the market is expected to rise from 80 billion to $100 billion over the same period with the new economy segment growing at a CAGR of 17%. So we are strongly positioned to capture the market from these strengths. We believe that we have the first-mover advantage in Southeast Asia with a unique footprint.

    And we plan to continue to carefully expand our global footprint while keeping a very firm focus on our center of gravity in Asia. We have an attractive client base that consists of some of the largest and most innovative brands in their respective industries, such as social media and travel and hospitality. Our relationships with our blue-chip new economy clients offer significant opportunities, and we are well-positioned to ride that growth. We have an international footprint in 10 geographies across Asia, Europe, and Latin Allied mortgage group jamison pa provides us with access to a broad talent pool and equips us with multilingual capabilities to serve a global customer base, including English and key Asian languages, such as Mandarine, Thai, Korean, Malay, Vietnamese, Japanese as well as Asian unicorn languages such as Bhutanese and Sinhalese. In recent years, we have opened new offices and to on new client mandates in different geographies, representing our global ambitions and execution. As neighborhood walmart monroe la can see in the pie chart, over 90% of our Q3 revenues come from our core businesses in Southeast Asia, while our relatively new geographies in Japan and China are starting to contribute meaningfully. We have also expanded into Colombia, India, and Romania in the past two years, and we are ramping up our business there.

    Let me round up with TDCX key competitive advantages. We have, first of all, a strong pan Asia footprint, and our leadership position in key Southeast Asian markets helps drive our competitive edge. We run highly successful offshore operations, which drives cost benefits and higher margins. We focus on market-leading global leaders in the new economy sectors.

    To meet the demands of high-growth digital clients we are designed to be agile and flexible and scalable, in line with our clients' rapid growth. I emphasis on supporting complex issues is why more than 60% of our employees have college or university degrees and the quality of our employees is a key differentiator. Next, we are domain experts with a deep understanding of high-growth and complex verticals, such as digital advertising, fintech, gaming. Finally, we augment our incredibly talented people with proprietary technology that drives productivity and accuracy of our service delivery.

    All the above leads to better employee outcomes, including a lower attrition rate compared to the industry average and high employee satisfaction scores. Our corporate culture is designed to foster a work environment that is fully aligned with our tech clients. I would like now to spend a bit of time on some upcoming trends as well as reiterating the key tenets of our strategy. As economies reopen, we are progressively getting ready for return to the office and for the great reshuffle as it is called.

    Our teams are reviewing protocols right now as well as people trends, and we will be leveraging several of the solutions we have available. Firstly, a key theme will be flexibility. We will implement hybrid work arrangements for both office collaboration and work from home. Secondly, keeping in touch with our people a lot more frequently, treat them like our customers and empower them, supersize engagements, and bring mental health support front and center.

    Thirdly, rewarding our people with smart compensation and benefits and even greater focus on performance-based compensation and real-world results versus time spent. Lastly, reinvent training, less classroom, more self paced and online, recognize and reward people who are invested in themselves by using our training tools and options. In essence, it's all about culture, culture, culture. It's so easy state bank of cross plains jobs lose our culture with the reduced personal time victoria secret pink hoodie sherpa office so this will need renewed focus on energy.

    Now from a strategic point of view, our plans have not changed. We want to, one, expand geographies. We are opening in new offices in North Asia and looking at other locations in Asia. The approach to work from home has opened new possibilities with lighter in-country satellite setups for us; number two, invest in people, as I mentioned earlier, attracting, retaining the best will be central to our success; number three, lean and effective continue to digitalize, HR, finance, anticipate inflation; number four, acquisitions, building pipelines but staying true to our DNA principles.

    We'll be very selective when we look for acquisition. Let me now hand it over to Mr. Chin to cover the financials.

    Chin Tze Neng -- Chief Financial Officer

    Thank you, Laurent. Let me first quickly share some details on our historical financial performance before we dive into details of Q3 2021 over the next few slides. On the left, we have the revenue performance, in the middle, our EBITDA numbers, and on the right net profit. As you can see, our business has achieved consistently high growth with 55% revenue CAGR from f\FY 2018 to FY 2020, and 61% EBITDA CAGR from FY 2018 to FY 2020.

    Net profit CAGR was 50% over the same period. This was coupled with a track record of consistently high EBITDA margins rising to 32.9% in FY '20, up from 30.6% in FY '18. For the nine months ended 30th September 2021, we recorded $294 million in revenue, $96 million EBITDA, and $55 million net profit. These numbers attest to the successful execution of our business strategies and competitive positioning, where we are focused on the following principles: focus on high-growth CX segment, strong exposure to new economy clients, focus on complex offerings, regionalization of operations underpinned by multilingual hubs, and 90% of our agents based in Southeast Asia.

    Let me now share some details on our Q3 financial performance. Revenue rose 41.3% to $109.3 million, driven by broad-based growth across all of our three business segments and across all geographies. In the next slide, I will share the breakdown by service type and geography. EBITDA rose 51.1% to $38.8 million as we expanded margins from 33.3% to 35.5% on the back of improved staff productivity and continued focus on careful and disciplined cost management.

    Net profit for the period rose 46.7% to $22.2 million that reflected some incremental tax charges in Q3. On this slide, we will share more details on our Q3 revenue performance by the services we offer and by the geographies in which we operate. Revenue from OCX Lone star national bank corporate office rose 37.9% to $68.2 million, due mainly to higher business volumes driven by expansion of existing campaigns as well as the ramp-up of new projects that commenced during the first half of 2021. In addition, business volumes benefited from the nascent recovery in the travel and hospitality sector from the impact of COVID-19.

    Revenues from sales and digital marketing services rose strongly by 93.4% to $23.7 million due to the volume expansion of existing campaigns for our social media clients and search engine clients across our delivery sites in Asia. Revenues from content monitoring and moderation services increased by 7.1% to $15.6 million with high contribution from a social media client. In terms of revenue contribution by key geographies, Singapore rose 32% to $28.7 million. Philippines rose 45% to $28.7 million.

    Malaysia rose 40% to $28.2 million. Thailand rose 35% to $30.3 million. Japan rose 66% to $6.3 million, and China rose how to cancel amazon prime after 30 days to $2.4 million. Let me now share some details on our expenses.

    We continue to monitor closely our overall cost structure and ensure that our total operating cost base is streamlined and aligned to support our fast-growing business. For the three months ended 30th September 2021, operating costs as a percentage of revenue improved to 74%, compared to 77.2% for the same period last year. Being a people-centric business, employee benefits expense makes up the largest portion of our total operating cost base. Our employee benefit expenses increased by 37.5% to $63.6 million for Q3 in tandem with business volume expansion.

    The average number of employees in Q3 rose by 44% compared to the same period of 2020. On a group staff productivity basis, revenue per employee rose by 5%, while employee benefits per employee rose by 3%, demonstrating that we have improved productivity while managing wage inflation. Our depreciation expense increased by 22.2% to $7.6 billion for Q3, primarily due to depreciation on right off news assets, new renovations, and capital expenditure in relation to office expansion for business growth. All other expenses, which include items such as recruitment, transport, and telecommunication expenses rose 34.3% to $9.6 million.

    Aggregating the above movements, total operating expenses rose by 35.5% to $80.9 million, which is lower than our top-line growth of 41.3%. Lastly, let me now move to the financial outlook. We expect full financial year 2021 revenues to be in the range of SGD 549 million to SGD 553 million. This translates to $403 to $406 million, assuming an exchange rate of $1 to SGD 1.3611.

    At the midpoint of the range, revenue growth is expected to be 26.7% compared to 2020. We expect full year 2021 EBITDA margins to be approximately 31.7% to 32.2%. This excludes expenses associated with the performance share plan, which will be recognized from Q4 2021 onwards. The PSP serves to incentivize and retain our senior management team and top talent as well as to ensure alignment of interest with investors in creating shareholder value.

    We will start to incur expenses related to our listing and ongoing life as a publicly listed company. Lastly, the margin guidance includes our expectations to continue to invest in business development efforts, technology, and innovation to drive growth in the long term. With that, we end our presentation. I'll now hand it back to Laurent for some closing remarks.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, Mr. Chin. Finally, a big thank you again to our incredible employees and my incredible management team, how collectively they are maneuvering around the obstacles created by the pandemic, particularly in Asia exemplary. I also wanted to touch a bit on our corporate social responsibility initiatives, be greener is a program for all of us to care for the environment, and TDCX this year was able to offset 38,770 tons of carbon dioxide, be tarrant county college calendar, which is about our employee are being, happy to report and we achieve an employee satisfaction score of 89%, even as the pandemic was creating have everywhere in Asia.

    And finally, the third pillar of our corporate social responsibility is be kinder, which is our community outreach program, and which is about to be redesigned as a central entity to uplift communities in Asia through digital environment. Thank you, everyone, for listening. And let's now move to Q&A.

    Questions & Answers:


    Operator

    [Operator instructions] First question comes from the line of Pang Vitt from Goldman Sachs. Please go ahead.

    Pang Vittayaamnuaykoon

    Hi, everyone. Thank you very much for the time and congratulations for the great set of results. A couple of questions from me. Maybe we can go one by one.

    Firstly, I just want to understand the growth trend, especially as you mentioned that there is still a certain impact from the slowdown in travel and hospitality segment, if we were to include the travel and hospitality segment, what would the growth rate look like in third quarter on a year-on-year basis? And similarly to that, could you also comment whether the growth from the extension of the current client is higher or the new win of the new client is coming in at a higher rate? That's question number one.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Great. Thank you, Pang. So on the travel, we're still deeply affected by the travel impact. If you look at Q3 alone, our whole travel and hospitality business is still down by 22% Q on Q.

    If you look at it from the last trailing nine months, we're still minus -- yeah, around the same number in the 20% zone. So it's still a significant impact for us in terms of travel and hospitality. But because we have other businesses that have picked up in fintech, in gaming, and in digital advertising, we're able to compensate that pretty nicely. And now in terms of the growth coming from old navy login visa clients still, the majority of our growth is still coming from our larger clients.

    But other businesses like fintech grew by 62.5%. If I include Crypto, for example, in our fintech business. Gaming grew 86%. We had a new social media client that grew by 300%.

    So there's a growth almost everywhere in all our client lines. But the two larger clients seem to be contributing to the bigger part of the growth for the business.

    Pang Vittayaamnuaykoon

    All right. Thank you very much. Maybe also on since we touched upon the growth rate, right? Just want to understand the guidance that you provide for the full year a bit better. Given the guidance that you provide, it does assume that if you look at the fourth quarter revenue, the year-on-year growth rate will come down from what you actually achieved in third quarter.

    Is there any specific trend that you serve that could just for the slowdown? And could you also help provide some framework on what should we think about growth going forward into next year as well?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    OK. So Q4 this year, one first thing you need to take into account. First of all, we have a very strong Q3, to begin with. Second, Q4 last year was unusually high, so it was almost 20% more than Q3, which is -- it was an unusual year.

    It was 2020. We were in still big time in the pandemic. So we are doing -- we're going to do a great Q4. It's just that the base of comparison is much higher if you look at '20 so normally, Q4 is not as strong of all the quarters in terms of seasonality.

    So that explains this, to begin with. But still, it will be a very decent growth compared to Q4 2020. Now forward-looking -- the way we look at growth moving el mex cal taqueria san jose 2022. We're very much guided by the statistics of the markets we operate in.

    And we know that specifically in Southeast Asia, we see growth at 19%. But that's the statistics we look at and we rely upon. We need to be doing more than that, and we've demonstrated in the past that we were able to beat those numbers pretty comfortably. Now we're not ready to give guidance for next year.

    We will do that in the quarter four results announcement.

    Pang Vittayaamnuaykoon

    Sure. Thank you very much. I'm not sure whether is that still time to ask more questions or maybe I can go back to the Q1 as well?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    You can monopolize the time or to you, Pang.

    Pang Vittayaamnuaykoon

    Sure, sure, sure. Maybe I also wanted to understand, right, the growth, if you could share in terms of country by country, if there's any color on like which countries you see a very interesting trend in especially Otis, you mentioned that there's growth in countries like Philippines and Malaysia that seem to be doing better as well. If there's any color on that would be helpful. And further on that, as you expand it into more geographies, whether it's Colombia, Spain, India, Romania if you can also share with us how the progress and traction being in this new geography as well.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Absolutely. So absolutely, Malaysia first progress contact phone number the Philippines are powerhouses. The -- from Malaysia grew by 40% and the Philippines by 45%. So it's quite solid growth.

    But other markets grew as well pretty well, Japan by 66%. Pnc financial services corporate headquarters address Spain, which is starting from a small base by 193%. But really, we're placing a lot of expectations around Malaysia and the Philippines as they are the central keys to our business. Now moving forward in terms of new countries, as you know, we pursue an organic growth strategy.

    We're pursuing quality growth. So it will take time for them to grow. So usually, it takes us about three years to get to decent levels, which we're starting to enjoy with Spain. As Colombia, we just opened at the beginning of this year in the middle of the pandemic, and then we just opened India as well in the middle of the pandemic, but we've signed up our first client in India.

    We sign up our first clients in Colombia. We are opening Romania as well. And we did in a small way as a support to our Barcelona operation. And so the global expansion will take a bit of time to grow.

    But so we're first commerce bank corpus christi a lot of our growth on our existing footprint in Asia Pacific for the moment.

    Pang Vittayaamnuaykoon

    Sure. Thank you very much. Maybe --

    Jason Lim -- Investor Relations

    Thanks, Pang. I think we have about six questions online. So maybe we'll just take the six questions first before seacoast charter school come back to you if we have more time.

    Pang Vittayaamnuaykoon

    All right. Thank you.

    Jason Lim -- Investor Relations

    OK. Thank you.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, sorry.

    Jason Lim -- Investor Relations

    So I'll just read out about some of the questions that we have. I think we can combine two questions from Xing, Janco Partners and KC from CIMB. It's about which inflation. Can you talk about the impact of inflation on wages and our cost structure? And what is the -- does the MSA allow for which inflation to be passed on to your clients? And if so, how do we put it?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    All right. So I'll share this one with Mr. Chin. So far, we've been able to cushion wage inflation pretty well.

    And it's a collaboration with our clients to begin with. So our clients are very involved in the work we do, and we're always watching labor competition, attrition, competencies. And so we work together current fires in solano county adapt our compensation and benefits strategies, together with our clients' pricing. We're not always able to offset wage inflation on our clients.

    But we do work together, and we track a number where we look at our revenue growth versus our wage inflation, and Mr. Chin will talk more about this. At this point, it's positive. So it's definitely on the list of things we do.

    Our contracts vary in terms and in the duration and in terms of whether we can have a COLA, cost of living adjustments? Or do we need to wait for the contract to be renewed to ask for a wage increase or price increase? But in some cases, we work with clients directly even doing contract time to decide on changing the pricing to give us the possibility to attract the right competent labor. So I hope that answers the question. Mr. Chin, if you will give a bit of color on how our wages have inflated versus amazon prime music videos revenue, that would be useful.

    Chin Tze Neng -- Chief Financial Officer

    Yes, Laurent. Revenue per agent has increased quarter to quarter by 5%. And on the flip side, which employs benefit expense per employee on average, blended, has increased by 3%. So our supplement Lance explanation by saying that while we try to pass on dollar for dollar of wage inflation to our clients.

    We also work on enhancing and improving our productivity to buffer against such wage inflation in terms of using better tools, automation, and reorganize our support team. And the management team on all those programs that are going through this wage inflation net issues. Santander one time payment I would say we historically have been able to buffer this rig inflation pretty closely. Well, the remaining period in coming months and years, the inflation is a pretty common topic exposed by many companies and employers.

    We still will be watching closely and reorganized our revisit and reorganized our compensation package to be able to meet the -- our delivery both to our clients at the same time to manage the margins closely. Thank you.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, Mr. Chin.

    Jason Lim -- Investor Relations

    OK. Thanks, Mr. Chin. So we have the next question online from a couple of investors, again, more or less the same.

    We have grown the 13% Q on Q in the current quarter, but the implied guidance is only two to 3% Q on Q into the fourth quarter. Any reason for that change the different growth rates in Q4 revenue?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    No. I think we're really tracking according to plan. This is very much what we had forecast Q4 that we got. As I mentioned earlier, the contrast between Q4 2020 and then the strong Q3 that we were anticipating.

    So it's not unexpected. It's very much in line with our forecast. And I think there was a question earlier on about the impact of travel on our business. And actually, I may not have answered it properly.

    But our growth, excluding travel, would have been 43%. So that's to give you a sense of the overall impact of trouble on the business.

    Jason Lim -- Investor Relations

    Sorry, just to clarify the result for the nine months?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Yeah, I think the first 9 months, yeah.

    Jason Lim -- Investor Relations

    So I think we now have a question on the conference call from Varun. Stuart, can we move back to having the question from Baron on the call, please.

    Operator

    Sure, Jason. We have a question from the line of Varun Ahuja from Credit Suisse. Please go ahead.

    Varun Ahuja -- Credit Suisse -- Analyst

    Yeah. Hi. Congrats to the management for a strong quarter. I've got a few questions.

    Lauren, you have seen very strong traction in the appliance metric, so you've added 16 clients. I would love to hear the breakup where which verticals and any of the clients, obviously, without naming, you will not see a lot more excitement from your side. Plus, how long do you think these clients will take to ramp up, right? Generally, client addition is a strong metric we should focus on because it leads to future growth potential. So how long does it take in your experience for clients to start meaningfully ramping up? And on the clients, again, side, the last question, I want to understand, over the last few years, you have been looking at your client base and kind of restructuring some of those clients who are not paying, how you over that phase now? Should we expect continued growth in clients and kind of churning out some of the low accounts? So that is on the client side? I can come back for the other portion.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, Varun. So yes, I'm quite excited about the first progress contact phone number logos that we've brought in, to begin with in terms of acceleration of the pace. So I think first nine months of last year, we had brought in about nine new logos this year, 16. So there is definitely an acceleration here.

    Out of the 16 logos we brought in as well if you wanted a bit of color. Nine of them are from Asia, which is an interesting trend. Historically, a lot of our logos are companies from the West, North America primarily, but we're starting to see the emergence of Asian companies, which is exciting. I'm excited about the businesses we brought in, in terms of crypto, which is starting to yield pretty fast.

    And then we brought in also food and delivery, which is an interesting new sector for us that we didn't have. We brought in an interesting business in gaming as well, two of them in gaming, one Asian and one European. So that's going to be super interesting. And one in travel as well, social media as well.

    So really interesting new economy sectors primarily. Now how long does it take for these businesses to really yield? It takes time. It takes two or three years for them to ramp to the kind of revenues we enjoy with the bigger clients that we have at this point. But they're going to be yielding open chase checking and savings account soon as next year.

    That's a small base, and then they will grow in the next two to three years.

    Varun Ahuja -- Credit Suisse -- Analyst

    Sure. Also, if you can give more color on the food delivery plan? Is it Asia based? Or is it a European or American base? Any color?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    There are both European-based western baselines.

    Varun Ahuja -- Credit Suisse -- Analyst

    OK. Thanks. Laurent, now that post the IPO, there is a cash on the balance sheet, you're pretty comfortable. And clearly, there are certain product gaps may be in terms of the capabilities or in terms of region? How are you thinking about the M&A path angle toward it? Is there any time line that you have in mind? How are you thinking about the M&A that would be helpful?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Yep. Great question, Varun. So we want to be very selective in terms of our M&A. We're starting to build our pipeline.

    We want to be strategic about it. We know also that M&A can be opportunistic. So one needs to be patient, but we will be looking at either the possibility of bringing complementary companies who are accretive to our profit. So to begin with first criteria, they need to be profitable.

    Second, they need to be adding to either vertical we don't already have or geographies we don't already have, so really complementary to our business. And then they need to be, in the sense, profitable but also having a similar culture of DNA that we have. So that makes quite a number of criteria. And that's why I'm saying it's going to be beyond strategic is going to be also opportunistic.

    So our team is working on this. But at least now we have the means and the capabilities to complete those deals. And there are quite a few. The market is sufficiently fragmented worldwide and in our region as well in some geographies to have enough opportunities for us to pass.

    So there will be some possibilities there.

    Varun Ahuja -- Credit Suisse -- Analyst

    Sure. Last question for me. Laurent, you mentioned on a nine months basis, you've grown 43%.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Varun, we lost you.

    Jason Lim -- Investor Relations

    Varun, we lost you. You're breaking up.

    Varun Ahuja -- Credit Suisse -- Analyst

    -- but we have also added new logos. So should we expect on a Y-o-Y basis, a much stronger number than the 19% industry number that you're indicating based on the fracture that you've seen on the business?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    I think, Varun, what you asked is that we grew 43%. If I exclude travel and hospitality, and that's a much stronger number than the 19%, which is the market -- what the market is doing. Is that correct?

    Varun Ahuja -- Credit Suisse -- Analyst

    Yeah. And additionally, the travel should recover next year is the general perception, but if you think that's not right, it's still -- still in your outlook, believe travel will be a little bit of a struggle. We want to hear because travel this year, as you mentioned, has declined 20% so a recovery, hopefully, that will provide for the tailwind for your growth so I just want to understand your views overall.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Yeah, I understand. No. I mean, comments, I only apply common sense to and estimate that the travel will pick up next year. We sense on the airlines in Asia, that there is some moves happening right now in terms of growth.

    You can see that the economies are reopening. I know you're based in Singapore. We know that with the VTLs, things are really happening, which is good news for us for sure. So yeah, that should be, if it picks up as expected, and there's no new crazy thing happening.

    We should be able to definitely benefit from the growth of the travel and hospitality next year.

    Varun Ahuja -- Credit Suisse -- Analyst

    Thank you, Laurent, and good luck for the next quarter.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you.

    Jason Lim -- Investor Relations

    Thank you. So we move on to a question from online from [Inaudible] GMO. The content moderation business has shown low single-digit growth. This is the new normal for the business?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    So well, content moderation is interesting. There's definitely a favorable market for it. As you can see from the news, as you heard, increased scrutiny around social media. So we believe there is a conducive environment for social media players to increase their support in terms of content moderation.

    So now at TDCX, this is a business that started pretty recently. In 2018, it grew significantly. And so it kind of steadied a little bit more this year for us. And we have one major client in the space.

    I think you can guess which one. And then, of course, we are now adding more clients on the back of our experience in social media and in content moderation. So we've added one new client that's starting with us in Colombia. So we are also, as part of this effort, working on data annotation and data labeling as a support to first progress contact phone number monitoring and moderation as well, an extension to it.

    So there is a potential in the space. We don't have statistics or market statistics at this point to indicate or give us guidance as to the growth and the pace at which it will grow moving forward. So I cannot really comment at what pace it is going to grow at this point.

    Jason Lim -- Investor Relations

    Thanks, Laurent. So now we move back to the conference call. There's a follow-up question from Pang. Stuart will go more back to Pang, please.

    Operator

    Thank you, Jason. Yes, we have a follow-up question from Pang Vitt from Goldman Sachs. Please go ahead.

    Pang Vittayaamnuaykoon

    Thank you very much. Maybe I want to also hear your thoughts about the factor one of your main clients actually announcing their plan to move toward the concept of metal first and investing more from that angle. Do you think that there's going to be any materially or potential benefit from your point in the service that you actually serve to high?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Well, yes, I mean we think the positioning of our client is -- I cannot speak on their behalf. I just know that reading like you, the news, there's a lot of excitement around metaverse. There's also, I think, market consensus that both our biggest clients are growing. There are plenty of new initiatives.

    So it's very exciting to be part of the space. Now it's up to us. And of course, the client to see how we can take these opportunities onboard and see how we can benefit from it. But other than that, I don't have enough knowledge about the metaverse to imagine, at this point, the impact it's going to have, except being very excited about it.

    Pang Vittayaamnuaykoon

    Thank you. Maybe I can also add certainly on the guidance around EBITDA margins, especially as your EBITDA margin this quarter increased significantly to close to 36%, but the full year guidance or EBITDA margins still imply that margins will go back to around 30, 31% next quarter. In the longer point of view, what should we think about the margin trend? Are you going to go for like higher margins from where we see you are or is going to be like steadily decline? And also on that point, is there any one-off expense that we should be aware of in the quarter?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Very sharp question, Pang. I'm going to handle the first one on the outlook for margin, and then I'll leave Mr. Chin to talk to you about the behavior of the margin over the past few months and so on. So from the outlook, we don't see a tremendous drop or any job.

    We don't see an increase either. We think it will stay around between 29 to 32% as long as we can continue to stick to our strategy, which is quality growth. And at this point, we have no intentions to change that strategy. So the quality growth, working offshore on the increasingly complex work.

    I'm very happy that this quarter, actually, we brought in a new client in the cloud business. So we're helping them to sell cloud in multiple geographies in 13 countries. And it's really top-notch personnel that we need to deploy on this program, and it's fairly complex. So we're continuously looking for this kind of engagement, and that will give us a chance to maintain our margins.

    If we also play our overheads well and be careful with our cost management. Now there's some one-off and also the margin question you had. Can I ask Mr. Chin to answer that question?

    Chin Tze Neng -- Chief Financial Officer

    Yes, Laurent. On the margin uptick in quarter three, I believe there were some movements in the ForEx on a few delivery sites, a few keys of our [Inaudible] in TDCX, that had a bit of an upward movement that moves in favor of TDCX that help to a bank of america south portland maine extent, pump up the EBITDA margin by one to two percentage points from my back of the envelope calculation as well as we -- typically, in quarter three, even pre covet, we typically pump up a lot of productivity in terms of getting a lot of millibars on board so that we do not want to miss the revenue that has been ordered place into our order book. So in a sense, quarter three this year was enhanced by our pump productivity of our agents that performed pretty well considering the low base of quarter three of 2020. And the slight update in a few of our key currencies from our delivery sites that also help toward bettering the margins notably in September [Inaudible].

    Thank you.

    Pang Vittayaamnuaykoon

    Thank you very much. Maybe last question from here. Is there any update that you can share with us regarding the Airbnb warrant that was part of the disclosure that you mentioned during the perspective?

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Yes. So thank you for this one as well, Pang. So we're still discussing with Airbnb. Look, I'm very excited about the opportunity of having this project with Airbnb.

    I feel that it's an honor that the company is so interested in us. We're getting close. We're working with them and moving in the right direction. And we do not anticipate that the conclusion of it will be very material to any dilution.

    And so we're very much on track with our plan for the warrant. It just takes a bit of time because it's usually quite complex. The weight structure and so on, and it's new to us as well. And so we're on track with the warrant with Airbnb.

    Pang Vittayaamnuaykoon

    Thank you very much.

    Jason Lim -- Investor Relations

    Yes. Thanks, Pang. So I'd just like to add on to the discussion on EBITDA margins just now that our guidance for EBITDA margin, as you can see in the presentation, it excludes the PSP costs, which will be recognized from Q4 2021 onwards. So I think that's all the time we have all the questions we have.

    Maybe I'll just hand it over to Laurent for some closing remarks.

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Thank you, Jason. Thank you for dialing in. Appreciate it and homes for sale in foothill farms sacramento ca your interest in TCDX. This is our first earnings call.

    So apologies if we're not experts at it, but we're learning as we go along, and we are very excited to be public listed and looking forward to seeing you next quarter for the next earnings results. Thank you very much.

    Jason Lim -- Investor Relations

    Thank you.

    Operator

    [Operator signoff]

    Duration: 55 minutes

    Call participants:

    Jason Lim -- Investor Relations

    Laurent Junique -- Executive Chairman, Founder, and Chief Executive Officer

    Chin Tze Neng -- Chief Financial Officer

    Pang Vittayaamnuaykoon

    Varun Ahuja -- Credit Suisse -- Analyst

    More TDCX analysis

    All earnings call transcripts

    Источник: https://www.fool.com/earnings/call-transcripts/2021/11/25/tdcx-inc-tdcx-q3-2021-earnings-call-transcript/

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    A guide to secured credit cards

    If your credit isn’t its best or you are new to credit, your options can be limited. In fact, the New York Federal Reserve reports that in October 2020, 21.3% of consumers were rejected when applying for credit cards. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.

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    Comparing the best secured card offers

    Credit CardBest For:Minimum Deposit RequiredAnnual Fee
    Capital One Platinum Secured Credit CardNo annual fee$49, $99, or $200$0
    Capital One Quicksilver Secured Cash Rewards Credit CardFlat-rate rewards$200$0
    OpenSky® Secured Visa® Credit CardNo credit check$200$35
    Applied Bank Secured Visa® Gold Preferred® Credit CardLow interest$200$48
    Citi® Secured Mastercard®Building creditMinimum $200$0
    First Progress Platinum Elite Mastercard® Secured Credit CardWide acceptance$200 – $2,000$29
    Surge Secured Mastercard®Fast application process$300$69
    Discover it® Secured Credit CardCash back$200$0
    Self — Credit Builder Account + Secured Visa® Credit CardEstablishing creditSee TermsSee Terms
    First Progress Platinum Prestige Mastercard® Secured Credit CardBad credit$200-$2000$49
    Self — Credit Builder AccountGetting a small loanSee TermsSee Terms

    best secured cards of 2021

    Best Secured Credit Cards of 2021

    Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee

    Overview: This card’s no annual fee makes it a great starter card. Also, the no foreign transaction fee makes it a good card for overseas travel or making purchases on foreign sites.

    Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.

    Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.

    Read our full Capital One Platinum Secured Credit Card review.

    Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards

    Overview: This new credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees, with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.

    Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.

    Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.

    Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.

    OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check

    Overview: Unlike most credit cards, the OpenSky Secured Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.

    Pros: No credit check is required with the OpenSky Secured Visa, which is a rarity for credit cards.

    Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.

    Read our full OpenSky® Secured Visa® Credit Card review.

    Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest

    Overview: There’s no intro 0% offer, but this low interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.

    Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.

    Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be earned here.

    Read more about the Applied Bank Secured Visa® Gold Preferred® Credit Card.

    Citi® Secured Mastercard®: Best secured credit card for building credit

    Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.

    Pros: There is no annual fee which is always a plus.

    Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.

    Read our full Citi® Secured Mastercard® review.

    First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance

    Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)

    Pros: This card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.

    Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 19.99%.

    Read more about the First Progress Platinum Elite Mastercard® Secured Credit Card.

    Surge Secured Mastercard®: Best secured credit card for fast application process

    Overview: The Surge Secured Mastercard promises a fast and easy application process with results in seconds and, given its low barrier to entry from a credit standpoint, is an option for people with bad credit.

    Pros: It’s one of the few secured cards on the markets that offers rewards (1% cash back on all purchases). Card use is reported to all three credit bureaus and you’ll get free access to your Vantage 3.0 score from Experian when you sign up for e-statements.

    Cons: The ability to earn rewards might distract some cardholders from their credit-building goals, so you’ll want to be careful not to overspend in an attempt to earn cash back. Also, the card touts a number of high fees, including a $69 annual fee, up to a $40 late payment fee and a $30 additional card fee.

    Read more about the Surge Secured Mastercard®.

    Discover it® Secured Credit Card: Best secured credit card for cash back

    Overview: Earn 2% back at gas stations and restaurants for up to $1,000 in combined spend each quarter (then 1% cash back); plus, Discover will match your cash back at the end of your first year. That means, if you spend $300 a month at restaurants and gas stations, you will earn $6 a month, plus $72 at the end of your first year for the Cashback Match, coming to $144.

    Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after eight months to see if they can transition you to an unsecured card.

    Cons: There’s a lot to love about this card, but the regular APR is not one of them. Higher than the average APR for credit cards, which is 16.21%, the Discover it Secured Credit Card’s variable APR is one of the highest among secured cards.

    From our expert: “The Discover it Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of credit.”

    *2% on up to $1,000 in combined spend each quarter, then 1%

    Read our full Discover it® Secured Credit Card review.

    Self – Credit Builder Account + Secured Visa® Credit Card: Best secured product for establishing credit

    Overview: Whether you’re establishing your credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.

    Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.

    Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the one-time $9 account fee and yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.

    Read more about the Self – Credit Builder Account + Secured Visa® Credit Card.

    First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit

    Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the card’s credit limit.

    Pros: The card carries a regular variable APR of 9.99%, which is favorable for a secured credit card.

    Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.

    Read more about the First Progress Platinum Prestige Mastercard® Secured Credit Card.

    Self – Credit Builder Account: Best secured product for getting a small loan

    Overview: With this financial product, you basically get a small loan that funds an FDIC-insured certificate of deposit for 12 or for 24 months. Then, once the account’s term ends, you’ve built your credit and your CD unlocks.

    Pros: This is a good way to build credit for someone with an iffy score. There’s no hard pull on your credit, and it doesn’t matter where your credit stands when you begin.

    Cons: There’s an “administrative fee” that is on a sliding scale, depending on how much you pay into your “account.” So, if you pay $89 a month for 12 months, you pay a $12 administrative fee and you get $1,000 at the end of the year, $68 shy of what you’ve put in, bringing the total finance charge to $80.

    Read more about the Self – Credit Builder Account.

    Research Methodology

    Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:

    • Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
    • Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
    • Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.

    Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.

    What are secured cards?

    A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.

    Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.

    How do secured cards work?

    To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.

    Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.

    There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to get a higher credit limit when initiating. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.

    With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.

    Pros and cons of secured cards

    Pros of secured cards

    • Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity to establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you make regular payments.
    • Get into the right habits. Aside from the initial deposit, most secured cards work just like a traditional credit card. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
    • Generous acceptance. One benefit of secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.

    Cons of secured cards

    • Money needed up front. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for those in a tight situation.
    • High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
    • Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.

    How to get a secured credit card

    If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer to see what cards are available outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:

    1. Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer.
    2. Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
    3. Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
    4. Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.

    What credit score do you need to be approved for a secured credit card?

    Because you are not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal or bad credit history are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:

    • Very poor: 300 to 579
    • Fair: 580 to 669
    • Good: 670 to 739
    • Very good: 740 to 799
    • Exceptional: 800 to 850

    Your choice in credit card should be based on your personal goals and finances. A secured credit card will require a cash deposit ranging from a few hundred dollars to several thousand. Determine what sort of credit limit makes the most sense for you and how much of an initial deposit that will require. If your card limit is on the lower end of the spectrum and you think you’ll routinely make purchases that eat up the majority of your available credit, understand that this type of high usage can impact your credit score. In these situations, a high limit secured card may be a better option.

    Aside from spending habits, you’ll also want to take into consideration any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.

    When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:

    • Hidden fees: While some fees are clearly marked in the “Schumer Box” at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and can pile up fast. Heads up that secured cards can have the most fees.
    Источник: https://www.creditcards.com/secured/

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