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Black Knight, Inc. (BKI) Q1 2019 income call Transcript

Logo of jester cap with thought bubble.image source: The Motley fool.

Black Knight, Inc.  (NYSE:BKI)Q1 2019 income CallMay. 01, 2019, 8:30 a.m. ET

Contents:
  • prepared Remarks
  • Questions and solutions
  • name members
  • prepared Remarks:

    Operator

    Greetings, welcome to Black Knight's First Quarter 2019 revenue call. at the moment, all participants are in a hear-handiest mode. a query-and-reply session will observe the formal presentation. (Operator instructions) Please observe this convention is being recorded. i'd now flip the convention over to Ed Ewing (ph) Investor relations. thanks. You may begin.

    Ed Ewing -- Investor members of the family

    Thanks. respectable morning, each person and thanks for becoming a member of us for the Black Knight's first quarter 2019 salary convention call. joining me nowadays, their Chief government Officer, Anthony Jabbour; and Chief economic Officer, Kirk Larsen. Their outcomes have been released this morning and the clicking liberate and supplemental slide presentation had been posted to their site.

    This conference name will include statements regarding the expected future effects of their enterprise and are for this reason ahead-looking statements. Their exact results might also vary materially from their projections because of a number of dangers and uncertainties. The hazards and uncertainties are -- ahead-looking statements are field to are described in their revenue releases, form 10-k and different SEC filings. today's remarks will additionally encompass references to non-GAAP financial measures. additional information, including reconciliations between non-GAAP financial guidance to the GAAP monetary suggestions is supplied within the press release and supplemental slide presentation.

    This conference call will be obtainable for replay via webcast through Black Knight's Investor family members site at investor.blackknightinc.com. i'll now turn the name over to Anthony.

    Anthony Jabbour -- Chief govt Officer

    thanks, Ed, and decent morning. thanks for becoming a member of us on their first quarter 2019 earnings name. We're off to a superior birth for the 12 months. Their first quarter consequences mirror the constant execution of their approach to force organic boom via increasing relationships with latest consumers, adding new purchasers and delivering resourceful options. They simply again from their Annual client conference the place they had the probability to meet with 1,200 attendees to talk about their operations, enterprise challenges and what we're doing to support via persevered growth.

    We heard from their customers that they are in a difficult ambiance, and they are in a position to share their growth on establishing products so that you can aid them address will continue to be the finest challenges. growing earnings, expanding efficiency and protecting regulatory compliance. They supplied demos and updates on their latest innovative solutions just like the Actionable Intelligence Platform which now has greater than a hundred actionable analytics that assist their valued clientele handle the challenges I just mentioned.

    We gave updates on AIVA, their artificial Intelligence digital Assistant tool that automates repetitive tasks to help their customers enrich turn instances, cut back rate and invest more in transforming into their groups. They additionally offered updates on servicing digital, which allows for their valued clientele' customers to use their cellular device to without delay make mortgage payments, overview price and refinance alternatives and get notifications and other advice about their domestic and nearby. Servicing digital is now reside at three consumers including citizens monetary group, which begun using it ultimate month.

    We additionally delivered a couple of new digital options on the conference, one new answer that they added was their aspect of sale offering that allows lenders to permit their consumers to apply for a mortgage from any mobile equipment or computer. while there are other element of sale options in the marketplace, there are three key differentiators to Black Knight's element of sale.

    First, it completely and totally integrates with Empower, so the suggestions it is entered is instantly fed to Empower gadget, making a seamless and quick utility technique. 2nd, statistics stays in sync and to the Empower database all the way through the method, so there aren't any other databases to keep in sync. and finally we've integrated AIVA which provides effectivity and raises accuracy and the records overview technique and can alert a lender's perspective debtors in precise time, if there are concerns with documents that have been submitted.

    We additionally added loan Officer Digital and consumer provider Digital, these digital options enable the personal loan officer or customer carrier representative to see what their valued clientele are seeing, so they can reply questions and ensure their customers have the best possible journey. each of these digital equipment boost efficiency, client delight and customer retention, and personal loan Officer Digital can assist lenders shut loans quicker. i was additionally excited to introduce their improved correspondent functionality in Empower, when delivered later this 12 months lenders can be in a position to use Empower to assist the retail, wholesale, assumptions, domestic equity, consumer direct and correspondent lending company all on a single platform.

    at the conference, I heard one typical theme from their purchasers, they're extraordinarily blissful with the urgency with which they have delivered their creative solutions during the last year and that they desire us to do much more. They believe that the growing activity in these innovative solutions will aid develop market share, as a result of they finally aid lenders and servicers develop income and cut back the general cost to originate and repair loans. really, they agree with some of this boom in market share may be from smaller groups that can also no longer have regarded Black Knight in the past, however now see how their items can aid lower their complete charge of ownership.

    On the brand new client entrance Pentagon Federal credit Union, the nation's 2d-biggest federal credit union signed a contract to make use of MSP as well as a lot of their other offerings, together with their default solutions, servicing digital app and their Actionable Intelligence Platform. additionally individuals loan functions, which helps the lending needs of credit unions, true property experts and individual domestic consumers in the Midwest has signed an extended-term contract to also use MSP and the Actionable Intelligence Platform as well as many different origination and statistics items. They continue to make progress. selling empower to mid market lenders in a aggressive market, whereas they signed 4 clients seeing that the launch of Empower now in 2017, in response to the momentum we've in-built their large pipeline, they predict to signal two to 3 times that many purchasers this yr on my own.

    We continue to make growth with implementations throughout the company. On the servicing aspect of the enterprise, they at the moment have eight MSP implementations and 5 servicing digital implementations in technique including US bank. On the LOS aspect, we're currently imposing eight Empower consumers. considered one of their commitments turned into to expedite the LOS implementation manner. So lenders may begin realizing the price of Empower even quicker. With Empower Now and their better start procedure, we're capable of complete many implementations in six months or much less.

    On the mixing front, they these days signed a strategic agreement with LERETA to carry greater tax reporting functions for MSP consumers. LERETA is a number one country wide company of real estate tax and flood functions. As part of this contract, we're tightly integrating their MSP gadget with LERETA's statistics, that will allow MSP consumers so as to add new loans to the gadget sooner and get rid of the deserve to create guide tax experiences.

    consequently services will improvement from enhanced reporting accuracy and faster processing times to pay taxes which mitigates risk by way of cutting back tax penalties and improves consumer carrier. In closing, they continue to carry on their commitments and to focal point on signing new valued clientele, move selling their offerings, enforcing signed consumers and supplying new ingenious solutions.

    These options assist their consumers develop salary by means of gaining new clients, keeping latest consumers and selling greater products to those shoppers, and that they assist their shoppers to enhance efficiency and maintain regulatory compliance. we're excited about their alternatives for the future and to continue the discussions with their purchasers and possibilities that they began at their customer convention.

    thanks to your time today. Now, i want to show the name over to Kirk for financial replace.

    Kirk Larsen -- Chief monetary Officer

    thanks, Anthony, and decent morning, every person. today, i go to focus on their first quarter results and their outlook for the entire 12 months. Turning to slide 3, on a GAAP groundwork, first quarter revenues have been $283 million, an increase of 5% in comparison to first quarter ultimate yr. internet salary had been $39 million or $0.27 per diluted share compared to $forty three million or $0.29 per diluted share.

    Turning to slide 4. i'll now talk about their adjusted results for the primary quarter. First quarter adjusted revenues have been $283 million, an increase of four% compared to the primary quarter final year. Adjusted EBITDA became $137 million, a rise of 6%. Adjusted EBITDA margin changed into forty eight.four%, an increase of fifty basis elements. Adjusted internet income were $sixty six million, a rise of three%. Adjusted EPS turned into $0.forty four, an increase of two%. and eventually, first quarter capital fees have been $23 million.

    Turning now to slip 5, i may discuss their software solutions segment consequences. First quarter adjusted revenues for the utility solutions phase improved 4% to $243.5 million. Their Servicing utility solutions had adjusted income growth of four% driven essentially via larger general income per loan and personal loan increase on their core servicing utility solution. In origination application solutions, adjusted revenues improved 7% driven with the aid of 25% boom in their personal loan origination device options, in part offset with the aid of decrease knowledgeable features and the effect of reduce volumes on their change and the e-lending structures, reflecting the decline in refinancing originations as suggested via the mortgage Bankers association. Adjusted EBITDA accelerated three% to $141 million and adjusted EBITDA margin was 57.eight% in comparison to 58.6%.

    Turning to slip 6, first quarter adjusted revenues for the records and Analytics phase increased 6% to $forty million, primarily pushed with the aid of increase in their property records and portfolio analytics corporations. Adjusted EBITDA increased 15% to $10 million, and adjusted EBITDA margin became 24.9%, an increase of 200 groundwork elements. Adjusted EBITDA for the company section within the first quarter became $2 million favorable compared to closing year, essentially pushed by decrease incentive-based mostly compensation. They are expecting each of the ultimate three quarters of 2019 to be higher than the primary quarter with quarterly prices approximating the commonplace for 2018.

    Turning to slide 7, i could walk via their capital constitution. on the conclusion of March, they had money and cash equivalents of $12 million. total debt main, as of March 31st turned into $1,680 million. They had revolver borrowings unbelievable of $426.5 million and $323.5 million of borrowing skill remaining beneath their revolver. Their leverage ratio became 3.1 instances on a gross foundation and three times on a net basis.

    Turning now to slip eight, i'll walk through their outlook for full 12 months 2019, which is unchanged from the outlook offered on their most fresh salary name. GAAP revenues are expected to be within the range of $1,177 million to $1,199 million. Adjusted revenues are expected in the range of $1,178 million to $1.2 billion. Adjusted EBITDA is anticipated to be in the latitude of $581 million to $598 million, and adjusted EPS is expected to be in the range of $1.90 to $2.

    extra modeling particulars underlying their outlook are as follows. They are expecting activity cost of approximately $sixty seven million to $sixty nine million; depreciation and amortization expense of approximately $one hundred thirty five million, aside from the internet incremental depreciation and amortization as a result of buy accounting; and adjusted effective tax rate of about 26%; and at last, CapEx of approximately $a hundred and five million. basic, we're happy with their first quarter consequences, and look ahead to an extra robust yr for Black Knight in 2019.

    With that, operator, please open the road for Q&A.

    Questions and solutions:

    Operator

    thanks. (Operator guidelines) Their first query is from Tien-Tsin Huang with J.P. Morgan. Please proceed.

    Tien-Tsin Huang -- J.P. Morgan -- Analyst

    hiya, respectable morning, guys. Thanks for taking the question. just desired to ask on, first on the Empower Now, I consider the signings outlook you had called out, what's riding the step-up there? Is it pushed through greater income effort or more advantageous capabilities just like the cell POS utility device you've mentioned, just curious more color there.

    Anthony Jabbour -- Chief govt Officer

    sure. first rate morning, Tien-Tsin. or not it's Anthony. The -- i might say in case you look again on their previous income calls, they had talked about Empower Now on build up the skill. I remember market smartly, in terms of what it takes for us to be a success, no longer simply in promoting, but ultimately, we're concentrated on offering well. so that they have ongoing success in that house and they now have been build up their capabilities when it comes to promoting, imposing, aiding and is a herbal development there. however I think loads of the innovations that they have been bringing to market as smartly, developing loads of hobby for their consumers. and i believe the mixture of those two is basically what's driven the boost.

    Tien-Tsin Huang -- J.P. Morgan -- Analyst

    obtained it. decent. and then simply as my follow-up to on the modeling aspect, possibly for you Kirk, just the reduce expert capabilities remark in the origination side, given the implementation level of labor that the category of client you have, is there some thing that they should accept as true with here for the leisure of the yr on the skilled services front and maybe the (inaudible) margins as well? Thanks.

    Kirk Larsen -- Chief fiscal Officer

    So, what you might be seeing there is, so it really is outside of the implementation system. these are the variety of ongoing expert functions that are performed, in some circumstances, dedicated groups. And in the quarter, they saw a few consumers that pull lower back on their usage of those expert functions. The good information is, they have other areas where those elements will also be deployed in many cases into implementations. So simply other work, however they did see a bit bit of an effect on a year-over-12 months foundation with a couple of consumers, very targeted the place there become lower demand there.

    Tien-Tsin Huang -- J.P. Morgan -- Analyst

    All correct. it truly is positive. thanks.

    Kirk Larsen -- Chief fiscal Officer

    thank you.

    Operator

    Our subsequent question is from Jason Deleeuw with Piper Jaffray. Please proceed.

    Jason Deleeuw -- Piper Jaffray -- Analyst

    Yeah. first rate morning and thanks for taking my query and thanks for the updates, some extra details on the implementation and customer wins. and that i'm simply making an attempt to get a way for how those implementations and customer wins throughout servicing and origination and innovative options, how are those monitoring the plan so far for your counsel for the yr?

    Anthony Jabbour -- Chief govt Officer

    they are tracking smartly, like I talked about, at the start of the year we're the entire implementations and a few are bigger and extra complex, some are smaller and more cookie cutter. but they seem on the range of them, and that is the reason truly what they factored into their long-term views of when revenues would hit.

    Jason Deleeuw -- Piper Jaffray -- Analyst

    Thanks. and then simply kind of an improved stage query there. loads of -- there may be lots of talk and lot of players focused on innovation within the personal loan space above all on the origination side, and clearly you're doing plenty in that space. And so, what do you see as probably the most biggest challenges to having a greater digital and extra imaginitive origination experience for lenders and debtors. and then is also the hard or the slower volume ambiance, is that a trouble right now to spending on options or is that definitely foreseen some of those lenders to seem harder at some of those solutions?

    Anthony Jabbour -- Chief govt Officer

    Yeah, fantastic query. i'd say, on the innovation front, i would not say there is a lot of challenges for us to proceed innovating within the house. in case you appear back over the past 12 months and the amount of innovation that now they have launched, I consider it be magnificent and candidly, I don't feel every other business in their industry has matched what they have now dropped at market. And it changed into a real mission on their behalf that they want to assist transform this market and i'm very completely satisfied with the effects of the improvements that they now have created.

    according to market conditions, you announcing, as they all recognize, we're in the middle of their consumers recession, correct. I suggest, i do know the economic climate is doing smartly and different industries are doing smartly, but with fees rising, it be caused pain and i be aware of you be aware of that. it be one of the vital things i am very enthusiastic about with their enterprise in terms of how consistently they have now carried out through a really difficult time for their conclusion shoppers. but I feel it -- even if it be a fine time for customers or a foul time for valued clientele. if you happen to're approaching them with solutions that remedy their complications, it's that always resonate, even if they're in determined want, have some help and you've obtained an answer with a excessive guarantee of it being in a position to assist or when times are exquisite. And it's less demanding for them to spend.

    I actually don't see both of them as a factor right here. The largest component is their persevered center of attention on innovation, their persisted focal point on their purchasers and offering these solutions to help them with the optimum challenges. and that's the reason what's resonating with them. it really is what we're hearing.

    Jason Deleeuw -- Piper Jaffray -- Analyst

    That sounds good. thanks.

    Anthony Jabbour -- Chief government Officer

    thank you, Jason.

    Operator

    Our subsequent question is from John Campbell with Stephens. Please proceed.

    John Campbell -- Stephens -- Analyst

    hey, guys, respectable morning and congrats on a superb quarter.

    Anthony Jabbour -- Chief government Officer

    Thanks, John.

    John Campbell -- Stephens -- Analyst

    So there is a stunning first-rate pop in mortgage exercise in April. I suppose specifically refi, I imply, who is aware of if that continues in might also and beyond, however i'm simply curious if you guys noticed the equal aspect and whether that is regarded in counsel, are you still pondering that mortgages -- I suppose you guys had a 20 foundation factor to possibly 30 foundation factor headwind for the 12 months.

    Kirk Larsen -- Chief monetary Officer

    John, they did see a bit of of a pickup, truly even within the first quarter. but as they have referred to earlier than, because it's one of these small a part of their company, the place peculiarly or not it's in -- on the exchange and in their eLending business, the place they might see the impact of refi, that it really wasn't a major impact. and that i don't expect it to be within the second quarter or past. So i would say or not it's inside the advice ranges, there's always pluses and minuses, however they definitely did see the effect and definitely be high-quality if it have been to ultimate.

    John Campbell -- Stephens -- Analyst

    k, it is decent to hear. and then, Anthony, I consider you talked about there is three customers reside and then maybe 5 within the implementation manner for servicing digital. simply curious, I mean, I feel you guys had at the start to your -- to your preliminary assistance for this 12 months that you simply anticipated to be modestly accretive for -- a modest assist on the income line, but how would you signify simply variety of the last backlog or perhaps just the client conversations going on around each servicing digital after which anything else round AIVA and AIP.

    Anthony Jabbour -- Chief government Officer

    certain. Yeah, with servicing digital, it turned into the one that they highlighted last yr, once they first introduced that, that they idea it could get to market on that first and it would -- it hit the income line first. The others, they talked a few buildup and as you may have heard in my prepared remarks, with AIP they now have over a one hundred analytics now, as a part of that kit, which is fantastic. It changed into funny at their client conference in their AIVA session, they had the hearth marshal coming, since it turned into standing room handiest and individuals have been waiting backyard, so as to provide you with a sense of the hobby within the product.

    So, the place they're no longer hitting the revenue line, yet, there is a major interest from their customers and what it will possibly achieve. So I do suppose decent about digital coming on, like I observed, we're going to price it per loan and we're executing well in opposition t the undertaking plans that they had installation early in the yr and with the addition of the brand new tools that we're growing to aid on the customer service facet, no matter if or not it's the personal loan officer, for the aspect of sale or the client carrier representative on the servicing facet, we're also carrying on with to maintain and increase the interest in their digital options, which as you be aware of is vital. Their clients, it really is the enviornment of spend where there is lots of center of attention from them.

    John Campbell -- Stephens -- Analyst

    striking. Thanks, guys.

    Anthony Jabbour -- Chief govt Officer

    thanks, John.

    Operator

    (Operator instructions) Their next question is from Andrew Jeffrey with SunTrust. Please proceed.

    Andrew Jeffrey -- SunTrust -- Analyst

    hi. decent morning, guys.

    Anthony Jabbour -- Chief government Officer

    respectable morning, Andrew.

    Andrew Jeffrey -- SunTrust -- Analyst

    I suppose you mentioned Anthony, simply be sure I have the numbers right eight MSP implementations in technique and 5 servicing digital. I wager my question round it is, what's -- what is the overlap? Or is there overlap? i am pondering from an commercial enterprise sales standpoint, are any of these valued clientele purchasing each? what is the frequency with which you've gotten been a hit making enterprise revenue or simply an replace on that front.

    Anthony Jabbour -- Chief government Officer

    certain, i'd say, as you think of one of the more recent revenue that they have launched they are bundling, the new capabilities with the Pentagon, as an example, that blanketed servicing digital as well as their AIP suite. So with the new purchasers which are approaching, a part of the motive, like i discussed previous, we're in a position to enhance their market share pastime, as a result of they're seeing how the breadth of their solutions truly completely built-in may be readily implementable and simply run on the -- at their corporation and they can get the benefits of it. So what i'd predict is, as they continue to promote further and further into the MSP space, we'll continue to have further and further bundled options as a part of that.

    Andrew Jeffrey -- SunTrust -- Analyst

    okay. Does any of that and kind sort of the implied acceleration in income boom as the year goes on?

    Kirk Larsen -- Chief economic Officer

    Andrew, the accelerated salary increase because the yr goes on, in fact is regarding implementation timing as to when some go-lives and ramps, it is truly what -- what's using that, which is truly the common story for us is the one largest driver of boom in any given duration goes to be implementations. And one factor i might add Andrew to what Anthony spoke of before, from an commercial enterprise theory, i would say that they are doing a much better job than they ever have of selling throughout the enterprise, ignoring the commercial enterprise client definition for a second, the stage of integration of the sales groups and the companies, I feel is the strongest that it be ever been. And so therefore, we're able to bundle extra solutions, we're in a position to penetrate the bottom more desirable than they ever have. or not it's been a progression. however I feel we're doing it stronger now than they ever have.

    Andrew Jeffrey -- SunTrust -- Analyst

    ok. it is advantageous, Kirk. after which only one quick one, on DNA second in reality first-class quarter in a row. probably just a bit extra colour, most likely even from a market share standpoint as to what's riding that increase.

    Anthony Jabbour -- Chief govt Officer

    bound, I feel you understand to what Kirk had simply mentioned in terms of their robust cross promoting within the firm. it really is definitely been a key contributor for us when it comes to facilitating additional sales in the house.

    Kirk Larsen -- Chief fiscal Officer

    Yeah. I think it really is all about earnings execution and that integration, Andrew. So, but is a good -- it's a great a further quarter, 2nd quarter under their belt of above trend boom. and i feel as I seem to be to the relaxation of the year, i might seem greater toward the mid-single digits as adversarial to the low-single digits for growth in that company.

    Andrew Jeffrey -- SunTrust -- Analyst

    ok. first rate information. Thanks.

    Anthony Jabbour -- Chief executive Officer

    thank you, Andrew.

    Operator

    Our subsequent query is from invoice Warmington with Wells Fargo. Please proceed.

    bill Warmington -- Wells Fargo -- Analyst

    respectable morning, every person. So a question -- a question for you on the origination aspect, you pointed out lots of endeavor with Empower and Empower Now. i wished to ask about or ask for an update on the growth penetrating the exact 10 banks with Empower. I comprehend it's a longer sales cycle, but might be which you could speak when it comes to trials with new consumers some beta testing it's going on, how you suppose about that in terms of the timeframe.

    Anthony Jabbour -- Chief government Officer

    sure, smartly, bill, like they pointed out, we've got an ongoing center of attention with actually not just the top 10. but it's in their DNA is focusing definitely on the largest customers, as a result of they now have been servicing them for many, decades, but the complete market -- however to answer your query exceptionally on the right 10. i might say that -- every little thing that we're buying and selling, there are longer revenue cycles, i might say. And their strategy has been actually what solution of ours do they get in to the corporation to assist. So if or not it's no longer the origination, could it's simply AIVA and then develop the connection from there.

    Our center of attention on correspondent lending without doubt in Empower now could be we're seeing growing hobby in that space with one of the vital correct lenders. And or not it's a neighborhood as smartly, if you think about correspondent lending, it's in reality a loan it truly is comprehensive and it be a top quality assurance function that is available in. And so now, in case you examine AIVA and what AIVA can do, it could in reality help simplify that manner. So what we're excited about is, these improvements that we're bringing to market and integrating them, we're getting a 1 plus 1 equaling three, and that is the reason what's obtained us excited and or not it's bought a lot of the customers, existing purchasers who are actually possibilities with LOS, I feel very drawn to their answer.

    Kirk Larsen -- Chief financial Officer

    invoice, one aspect i would add is, in case you consider about Empower as well and the incontrovertible fact that they had been adding the corresponding capabilities, they pointed out that with the Citi deal to the extent that you can get in with a lender, even in a single channel, even if it be home fairness or whether or not it's correspondent, that gives you a foothold from which to extra promote. And or not it's truly simply turning on capabilities at that aspect. So no matter if you beginning with the retail channel or the wholesale channel or their correspondent or home equity, all of which can be performed on Empower. You birth with one channel and you'll develop from there. or not it's basically an outstanding location to beginning the conversation and then extend.

    invoice Warmington -- Wells Fargo -- Analyst

    got it. The -- and that leads to my follow-up question, which is you guys referred to as out the 25% 12 months-over-12 months growth in the mortgage originations piece, it is principally powerful and i simply wanted to ask for some color there in terms of how a great deal is being driven by using new clients. Is it growth of present consumers, perhaps some new items in there as well. I just desired to get some colour there.

    Kirk Larsen -- Chief monetary Officer

    it truly is in fact pushed bill, with the aid of new consumers. that is in fact the driving force there. that's been the driver over the remaining a few quarters where the efficiency has been very robust. And so it's really -- that is the story.

    bill Warmington -- Wells Fargo -- Analyst

    acquired it. thank you for the perception.

    Kirk Larsen -- Chief economic Officer

    thank you, bill.

    Anthony Jabbour -- Chief government Officer

    you're welcome.

    Operator

    Our next question is from Bose George with KBW. Please proceed.

    Tommy -- KBW -- Analyst

    good day guys, here's Tommy (ph) on for Bose, after I think about the increase in the salary per loan on the servicing side, is there any technique to quantify the affect of client adopting carrier digital versus just what they see with the typical sort of step-up in your contract costs?

    Kirk Larsen -- Chief economic Officer

    bound, Tommy, just for element of clarity, once they check with the profits per mortgage it is definitely greater the cost per mortgage for processing on MSP, that's truly what we're relating to in that remark. So it truly is the annual rate escalators and every other increases in cost upon renewal. What i might say as it pertains to probably the most other further capabilities like servicing digital and different doubtlessly uniqueness servicing products that we'd additionally fee on a per personal loan foundation, even if or not it's loss mitigation or claims or one of the crucial others. those could be -- those are incremental to the price per mortgage for the bottom processing of MSP, however they're really incremental, it's not -- order of magnitude, or not it's very different than the overall processing.

    Tommy -- KBW -- Analyst

    okay. And for the shoppers that are showcased us and decide no longer to undertake these options, form of what's the comments as to why, is it isn't like a willingness to kind of pay up for it? Or is there some thing that you just consider isn't fundamental, what's -- what's their type of response, there?

    Anthony Jabbour -- Chief govt Officer

    neatly, I believe, i am not certain if or not it's a trick question, Tommy, as a result of they have got such earnings success so early on in the lifestyles cycle for their digital offering, that it's just overwhelmingly looks like their solution is resonating with the market. And it be filling a necessity that does not exist. So if you suppose of it. And in case you seem to be above all on the customers of ours at the banks, I imply, they've had digital capabilities going returned eight years or so, yet on the loan facet, there's a spot that we're filling. and i mentioned, I suppose the message is resonating. it be challenging to think about a world devoid of more and more digital capabilities. And if I requested you or myself, I suppose we'll do greater digital -- use greater digital apps in the future versus I do now, or not it's absolutely, you be aware of, they each will.

    And so, their customers are feeling that, for the reason that the personal loan trade, as I've mentioned prior to now, has obtained very low retention fees. And so of all the things for you to do to are attempting and preserve a relationship via a refi cycle or new home purchase cycle, I suppose, it's crucial and i suppose their valued clientele agree as smartly. Like I said i am very glad with the results that we're seeing and that i'm watching for continued increase in the enterprise.

    Tommy -- KBW -- Analyst

    terrific. Thanks for the remark.

    Anthony Jabbour -- Chief executive Officer

    thanks, Tommy.

    Operator

    Our next question is from Ashish Sabadra with Deutsche financial institution. Please proceed.

    Ashish Sabadra -- Deutsche financial institution -- Analyst

    Congrats on the tempo of implementation as neatly as the strong tempo of innovation. So, my question become, you have achieved tuck-ins, as well as biological innovation and as well as partnership. As you look ahead, are there additional opportunities for partnership in addition to tuck-in acquisition as you raise the portfolio of items that you should present to your valued clientele?

    Anthony Jabbour -- Chief govt Officer

    neatly, i might say -- they first seem to construct, then they seem to purchase within the space. And what i'd say is, internally we're getting further and further in full stride in all points of the enterprise. I suppose from an innovation perspective, candidly, i'm surprised and intensely excited with the amount of innovation that they created within the year and grateful without doubt for my colleagues who put their shoulders into it, it's actually greater than i assumed. And as Kirk mentioned on the sales facet and integrating of their promoting built-in of their servicing and providing to their valued clientele. i'm very joyful with the persisted development we're making.

    And so I think, trying to the future, I think about that they are going to construct further and further innovation, simply because we're constructing the muscle and we're getting superior and more desirable at it. So I expect that, however seem anytime there may be a fine tuck-in acquisition chance, they always want to take competencies of it. but what's essential right here? in case you look at the full lifecycle isn't just buying a product, but if you happen to seem to be at the full can charge of how do you combine that product into everything that you just do into you might be promoting, into your offering, into your aid, and implementation. it's what you truly should analyze and oftentimes that integration is not kind of factored in upfront. And so simply purchasing a bunch of companies and on no account integrating them isn't the correct reply both, so we're being very considerate about, not simply what they innovate but how they innovate, how they eradicate the friction from their customers that may take the solutions that they bring to market straight away and simply. So again it finally drives value for them by using increasing the earnings, enhancing the margins, and protecting them compliant.

    Ashish Sabadra -- Deutsche bank -- Analyst

    Thanks. that's very advantageous. possibly a brief question on servicing. i was simply wondering, any preliminary remarks as of, when is ramping to your MSP platform. and then just a brief clarification query on the new residential mortgage, they are moving away some of their servicing loans far from Ditech. i was questioning if you had any update on that front?

    Anthony Jabbour -- Chief executive Officer

    bound. i could -- possibly take the Ditech one, Kirk, if you can touch upon the former question. With Ditech, surely we're working via and staying very shut with them. we're deemed to crucial vendor to them as you'd think about. And what i can update you on to date is that they now have received clarity on one tranche of their loans last within the MSP family unit, which we're absolutely very enthusiastic about. but it's in reality the simplest update they now have at this juncture (ph).

    Kirk Larsen -- Chief monetary Officer

    Ashish, can you repeat the first question?

    Ashish Sabadra -- Deutsche bank -- Analyst

    Yeah, simply any preliminary comments as of when (ph) is ramping on to the MSP platform.

    Kirk Larsen -- Chief monetary Officer

    i'd say that the implementation has long gone neatly, however I suppose for any particular comments I feel they'd -- they highest quality ask them the question, but it surely's ongoing -- it be going well and progressing as anticipated.

    Ashish Sabadra -- Deutsche bank -- Analyst

    this is super. Congrats once once again on the solid quarter.

    Anthony Jabbour -- Chief executive Officer

    thanks, Ashish.

    Operator

    (Operator guidelines) Their next question is from Stephen Sheldon with William Blair. Please proceed.

    Stephen Sheldon -- William Blair -- Analyst

    first rate morning. First as they suppose through all of the new items that you have been introducing, you might have given some color on this, however simply as you've gotten greater feedback from purchasers, particularly on the annual convention, can you possibly help us frame your view of how essential economic contributor, the distinct products can be over the next two to three years. i'm guessing servicing digital may be the front-runner, but how should they believe in regards to the relative importance of other products like AIP, AIVA, the rapid Analytics Platform and some of the new ones, you talked in regards to the today, just like the factor of sale solution?

    Anthony Jabbour -- Chief executive Officer

    i could take the first half and let Kirk touch upon the profits timing. What i'd say from their purchasers on the convention, the comments became overwhelming. And that wasn't a shock to me candidly. I expected, I seem to be at the amount of recent in reality pleasing capabilities that we're bringing to marketplace for them. I predicted that they're going to be very excited with that. And for us to work with them and locate the way to support them permit it and aid power their enterprise. What i used to be stunned changed into the comments from my colleagues at Black Knight that for them lots of them had been within the lanes, working complicated, offering their means. And at the conference after they met with purchasers, and they had the customers view of the entire Black Knight relationship, it became definitely entertaining and definitely rewarding for my colleagues and that i underestimated that. but needless to say, is a very good conference. The mood changed into notable. Their consumers suppose, like I spoke of, we're in full stride and that i and my colleagues consider like we're in full stride as well with what they should accomplish.

    Kirk Larsen -- Chief fiscal Officer

    So from a profits viewpoint, Stephen there's a couple techniques they can feel about this, one is that allows you to ramp up quicker after which finally, for you to make a contribution more than one other. And from a pace point of view, I believe they have stated this. What i'd say is I predict servicing digital to make contributions to income faster than the others. it be very easy to exhibit, they have now already sold to eight valued clientele. Two of their appropriate five purchasers. So now they have had massive success there and so with a view to -- we'll see that first. I consider AIVA often is the subsequent one, where i would are expecting that based up on the degree of pastime that allows you to ramp up quicker than one of the most others.

    and then i would say AIP as Anthony has pointed out during the past, more durable to exhibit there is one hundred analytics. it's simply greater complex to reveal and absorb. And so what we're doing is we're in fact having people do, are trying before you buy a examine force, so as to communicate, in order that -- they start the usage of it, they they get used to it. And at the conclusion of the trial period, they take it up. No distinctive than many other purchaser items. And so they think that it really is an amazing method. And so I feel as they go ahead in future quarters, they will speak greater about what that has gave the impression of and the way that has been obtained. and that i believe the fast Analytics Platform and others, an incremental answer that has had lots of activity. I think that, that'll be form of based on the place AIP is.

    From an normal contribution when fully realized, and i imply what time bound that I suppose that AIP and AIVA definitely virtually have, there is no boundary for these. or not it's -- AIVA in specific that you would be able to say, it starts with origination nowadays and it starts with the ability, then three talents and 5 knowledge and keeps starting to be through all of the files and the origination system. AIVA does not have to cease there, AIVA can then go into servicing. And so it in reality is -- there nearly there isn't any boundary as to what they can do with AIVA, AIP, same factor, or not it's going to proceed to develop, it be going to proceed to expand and the universe is awfully colossal. And so I feel these two actually have constrained boundaries as they seem to be out a number of years and definitely they are going to proceed to penetrate with servicing digital and penetrate the MSP base. And so I suppose they all -- as you suppose about their standard growth strategy and how they plan to develop, it be loan growth on their consumers systems and MSP, it be selling the systems themselves, each MSP and empower and incremental solutions and data and analytics in that segment. and then, new items on accurate of it. So these are every individual incremental growth aspects that I feel over time, they will proceed to build, and simply turn into part of their typical approach how they develop.

    Anthony Jabbour -- Chief executive Officer

    If I may add to that as well. if you study AIVA, where it's not pushed, any actual salary yet because it's -- where or not it's at -- and it's lifecycle. The huge increase we're seeing in their personal loan origination revenue, there is an immediate correlation with how AIVA is helping. So there's income, AIVA's contribution -- contributing to their business, notwithstanding or not it's no longer totally reside in full stride. Their customers are seeing it, they may be doing diligence with us on it. they are factoring into their choices on selecting Empower as they go forward mortgage origination gadget.

    Stephen Sheldon -- William Blair -- Analyst

    it truly is exceptional. basically appreciate the color. after which as a comply with-up on the origination business. You pointed out seeing restrained drag from universal industry volumes presently given that many valued clientele are imposing and ramping and kind of beneath gotten smaller minimums, however how may still they think in regards to the upside potential if personal loan volumes stabilize and begin to develop within the next yr or two?

    Kirk Larsen -- Chief financial Officer

    it be a very good query and should take it even additional than what you might be asking. in case you were to -- if you have been to seem to be ahead and say, what's going to ultimately influence in rates being low ample, that refi comes back and what impact does which have -- that begins to move forward out of doubtless the existing financial circumstance into one it truly is -- this is extra both a recession or boarding round a recession. And what happens there, they might actually see an uptick on the exchange on account of bigger refinance volumes. we've written down over the final few years, 2 points to 3 features of income because of the decline in refi. And in order that would -- that might prefer up over time, it wouldn't be simply in a specific quarter it all comes again, it might be basically as they checked out prior recessions that could come up back over a few years. And so there is definitely noteworthy profits that would come back in that illustration.

    The piece the place i could take it a bit bit past the question that you requested, is the other factor so that you can doubtless take place in that situation. in case you analyze past recessions even it truly is the first-rate recession, but earlier than it is within the experience of a recession, what occurs is, costs are low for a long time and so refi quickens. The different component that occurs is unemployment rises, more people have unfortunate issues with their -- with their mortgages. And so foreclosures are heightened. Now the last recession is whatever I feel become interesting, but if you had been to head lower back to prior recessions and spot what that accelerated degree seems like, you would see foreclosures are larger.

    and they haven't observed it for the remaining couple of years, because it hasn't been meaningful satisfactory for us to focus on, however it's -- they do have systems that are strong point servicing enterprise which are driven off of default volumes. And are would not have minimums and they also're basically has a second order impact of or I should say yet another effect in the same circumstance where refi may choose back up that -- to the extent the foreclosures also pickup, there is incremental revenue to us. And so there's a counter-cyclical element to their business that hasn't definitely been what to speak of, over the ultimate a couple of years, because we've got been in a very good economic circumstance. but when things do turn that there is truly incremental revenue that could come up.

    Anthony Jabbour -- Chief government Officer

    once again, if I might add on to that. all and sundry is privy to the significant market share that they now have with their MSP platform with their foreclosure and chapter market share. or not it's more desirable than their market share for MSP. it's about 70% at the moment. as a way to Kirk's aspect when the cycle turns and none of us can predict when that is going to turn up. We're placed smartly for that. So once again, they believe very respectable about the place the company is centered at the moment and no matter if the recession comes or doesn't come very assured in their future and will had come we're positioned smartly for that as neatly.

    Stephen Sheldon -- William Blair -- Analyst

    this is very beneficial. I recognize all of the colour.

    Anthony Jabbour -- Chief govt Officer

    thank you.

    Operator

    Our subsequent question is from Jim Schneider with Goldman Sachs. Please proceed.

    Jim Schneider -- Goldman Sachs -- Analyst

    good morning, thanks for taking my question. Anthony, now with Dun & Bradstreet, having advantage of being worried in a company for a long time. can you possibly give us a way of one of the most dimensions of the strategic interaction between Black Knight and D&B and the way that might reflect either when it comes to cross-promoting of purchasers or competencies synergies from a park degree and maybe some what, those areas should be would becould very well be going ahead.

    Anthony Jabbour -- Chief govt Officer

    sure, Jim. We're -- D&B's center of attention is in fact a stand-on my own company, not an acquisition via Black Knight and an integration with Black Knight. So they now have been very focused on what it should do, and that i'm very happy with the development that we've got made basically in a brief duration of time. They closed on it first week in February. They made tremendous changes to the executive group and the new group is working very neatly collectively.

    or not it's a group recruited to their exchange agents and that is the reason what is required at Dun & Bradstreet. we're taking aggressive actions, they restructured the business credit score of center of attention on accountability and now they have obtained a great deal achieved in a really brief length of time. there is still extra to do as you would expect them. i'm very assured in their means to significantly increase the performance of D&B and as time goes via, we'll continue to find alternatives and the house like I observed again and again, the records and analytics house is very essential.

    and i feel to the way forward for many company and there is lots of remarkable work being carried out right here. there is loads of splendid math being implemented right here and i'm confident that there might be, definitely on the client side, there is a couple of overlapping purchasers between each corporations. but at this stage or not it's -- most likely it be anything more than that.

    Jim Schneider -- Goldman Sachs -- Analyst

    fair satisfactory. thank you. after which might be there's been a few comments made concerning the uptick in originations given what's came about with quotes, and i be mindful that's perhaps just be very temporal component, but are you able to simply variety of provide us an replace as of the last quarter. On standard, how a ways below your contractual minimums are the present stage of originations you saw remaining quarter.

    Anthony Jabbour -- Chief government Officer

    What i could say is that for their -- their mortgage origination methods, the consumers that are at or under minimums signify 98% of that processing earnings. So final quarter, that became ninety four% now, it's in fact 98%.

    Jim Schneider -- Goldman Sachs -- Analyst

    got it. thanks very a great deal.

    Operator

    Our subsequent question is from Glenn Greene with Oppenheimer. Please proceed.

    Glenn Greene -- Oppenheimer -- Analyst

    Thanks. respectable morning. I in reality desired to ask a D&B question as smartly Anthony, given Black Knight sort of large economic hobbies in D&B is, are you going to be sharing or could you share at some aspect you what form of the profitability expectations might be in kind of one, two years or what's type of the massive imaginative and prescient game plan?

    Kirk Larsen -- Chief monetary Officer

    Glenn, what i would say is, it be a little early to -- they will, between ourselves and Cannae Holdings who truly is even a larger proprietor than we're. we'll actually give extra economic details going forward, and updates on cost mark downs and enterprise performance. i might say that it really is -- it truly is going to be within the few -- in future quarters a good way to talk through those things. I do not believe that there, they do not plan on giving those particulars nowadays. and i do not believe, Cannae does subsequent week as neatly. however actually going forward, more detail should be offered.

    Glenn Greene -- Oppenheimer -- Analyst

    ok. and then Kirk, simply on the couple of number questions first to shut it out for me. It became useful to get the update on the D&A increase expectations for the 12 months. might you give us the existing expectations for the application solutions accessories, that means the capabilities piece and LOS piece relative to what your preliminary expectations had been?

    Kirk Larsen -- Chief economic Officer

    The expectations have not modified. I consider what I noted remaining quarter was that servicing can be ultimately 12 months's increase or slightly below and that the origination software company could be excessive-single low-double digit growth.

    Glenn Greene -- Oppenheimer -- Analyst

    ok. and then just eventually, are you nevertheless tracking to transform 20% to 25% of the backlog in '19?

    Kirk Larsen -- Chief financial Officer

    that is appropriate.

    Glenn Greene -- Oppenheimer -- Analyst

    All right. excellent. Thanks, guys.

    Anthony Jabbour -- Chief government Officer

    Thanks, Glenn.

    Operator

    Our next question is from Kevin Kaczmarek with Zelman & associates. Please proceed.

    Kevin Kaczmarek -- Zelman & friends -- Analyst

    hello guys, thanks for taking my question. On the LERETA tax characteristic that you simply outlined, you guys get earnings without delay from clients in the event that they use that for the tax processing or is it greater of an add-on or a motive to persist with the platform?

    Anthony Jabbour -- Chief govt Officer

    we would get a -- I suppose of it as a smaller piece of the revenue for the mixing work that we're doing as a part of it. So, from a pure earnings standpoint, or not it's now not significant in that regard. but once more, we're focused on fixing their client's complications. and that's one of the vital ache elements that they have and that's the real reason. So we're getting some profits along the way, however helping them with clear up a problem.

    Kevin Kaczmarek -- Zelman & associates -- Analyst

    k. and that i wager when it comes to the broader product capabilities. You mentioned you're getting up to velocity on AI factor of sale, you seem to have a whole lot happening, but I bet where are the ultimate holes at this factor, what are the issues that you truly attempting to sell to be sure that you form of continue your market share in terms of the typical origination and servicing salary spend from consumers?

    Anthony Jabbour -- Chief govt Officer

    smartly, i am not certain if there any gaping holes definitely at this stage. We're thoughtful about it and we're all the time asking their valued clientele and we're moving with urgency to the ache aspects that their shoppers have, even if it's ache or chance, we're moving with urgency. and that i believe very good concerning the makeup of the business, and how we're prepared to head after every of those variety of main improvements. So i wouldn't say there's anything else that jumps to intellect. but Kirk, do you have got any innovations on that?

    Kirk Larsen -- Chief economic Officer

    No, I agree, that there -- sometimes they could discover a sliver of a procedure the place they say, you recognize what, if they might try this for their clients that might help them incrementally, remaining year, it truly is why they bought Ernst become so as to add means to remedy a sliver of the manner so one can assist us as they sell more to the mid-tiers, precisely little things along the way like that, Kevin, however nothing gaping as Anthony mentioned.

    Kevin Kaczmarek -- Zelman & acquaintances -- Analyst

    k. remarkable, thanks -- thanks for taking my questions. it really is all I had.

    Anthony Jabbour -- Chief government Officer

    thank you, Kevin.

    Operator

    we now have reached the conclusion of their question-and-answer session. i would like to show the call back over to Anthony Jabbour for closing remarks.

    Anthony Jabbour -- Chief govt Officer

    thank you. As all the time, i might want to thank their valued clientele for their mighty partnerships and my Black Knight colleagues for his or her splendid efforts. thanks for joining us on the name today for your pastime in their super company. enjoy the leisure of your day.

    Operator

    thanks. This concludes state-of-the-art conference. You may additionally disconnect your traces at the moment and thanks to your participation.

    duration: fifty three minutes

    name participants:

    Ed Ewing -- Investor relations

    Anthony Jabbour -- Chief government Officer

    Kirk Larsen -- Chief monetary Officer

    Tien-Tsin Huang -- J.P. Morgan -- Analyst

    Jason Deleeuw -- Piper Jaffray -- Analyst

    John Campbell -- Stephens -- Analyst

    Andrew Jeffrey -- SunTrust -- Analyst

    invoice Warmington -- Wells Fargo -- Analyst

    Tommy -- KBW -- Analyst

    Ashish Sabadra -- Deutsche bank -- Analyst

    Stephen Sheldon -- William Blair -- Analyst

    Jim Schneider -- Goldman Sachs -- Analyst

    Glenn Greene -- Oppenheimer -- Analyst

    Kevin Kaczmarek -- Zelman & friends -- Analyst

    extra BKI evaluation

    Transcript powered by using AlphaStreet

    this article is a transcript of this convention call produced for The Motley idiot. while they try for their silly most reliable, there may be error, omissions, or inaccuracies in this transcript. as with all their articles, The Motley fool doesn't count on any accountability for your use of this content material, and they strongly inspire you to do your own research, including paying attention to the name your self and studying the enterprise's SEC filings. Please see their terms and stipulations for additional details, including their necessary Capitalized Disclaimers of liability.


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