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No. of Recommendations: 13
(this is an easy one. please throw a rec to continue the series. Disclosure, I have a small position in this company)

I am a card issuer and operate a closed-loop credit card network. I am the smallest independent player and was recently spun off. Unlike the other networks, I am a beneficiary of the litigation that takes place in the card industry around the world. Even though I am less profitable than my peers, I still generate a 15 - 18% return on inveted capital. I am not expensive to own since I generate around net income of around 800 ~ 1000m a year, making my P/E around 12-ish.

What Company Am I ?
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