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Conduent


Conduent Incorporated is an American multinational business process outsourcing (BPO) company headquartered in Florham Park, New Jersey, specializing in technology-enabled solutions for enhancing operational processes, customer interactions, and outcomes across commercial, government, and transportation sectors.
The company originated from Xerox Corporation's acquisition of Affiliated Computer Services in 2010 and was spun off as an independent entity on January 3, 2017, inheriting Xerox's BPO operations with initial annual revenue of approximately $6.7 billion.
Conduent delivers mission-critical services, including customer contact centers, eligibility and enrollment for government programs, payment processing, and intelligent transportation systems, serving clients such as federal and state governments, healthcare providers, and retailers to automate workflows and improve efficiency.
As of December 31, 2024, Conduent employed around 56,000 associates across 24 countries and reported full-year revenue of $3.356 billion, reflecting a decline from prior years amid efforts to reduce debt by 50% and focus on core segments like commercial (50.6% of revenue) and transportation (18.4%).
While recognized for its scale in BPO leadership and innovations in AI-driven automation, Conduent has encountered regulatory scrutiny, including multimillion-dollar settlements with the Consumer Financial Protection Bureau for unfair practices in student loan servicing and allegations of overbilling in state Medicaid programs.

Overview

Company Profile

Conduent Incorporated (NASDAQ: CNDT) is a business process services company that provides technology-led digital infrastructure solutions and services across commercial, government, and transportation sectors. Headquartered in Florham Park, New Jersey, the company operates in over 40 countries with a focus on transaction processing, automation, and analytics. Conduent was formed through a spin-off from Xerox Corporation, with the separation completed on December 31, 2016, and formal launch as an independent entity on January 3, 2017. At inception, it generated approximately $6.7 billion in annual revenue and employed over 93,000 people. The company offers business process outsourcing (BPO) solutions, including customer experience management, healthcare administration, human resources services, and transportation systems, utilizing artificial intelligence, machine learning, cloud computing, and advanced analytics to optimize client operations. As of early 2025, Conduent employs around 55,000 associates globally and serves prominent clients such as nearly half of Fortune 100 companies, nine of the top ten U.S. health plans, and 46 U.S. states. Its services aim to enhance process efficiency, reduce costs, and improve outcomes for end-users including consumers, citizens, patients, and employees.

Strategic Focus and Business Model

Conduent's business model revolves around providing technology-led business process outsourcing (BPO) services that automate and streamline mission-critical operations for clients in commercial, government, and transportation sectors. The company emphasizes digital solutions at scale, integrating advanced technologies such as artificial intelligence, automation, and real-time analytics to optimize processes, lower operational costs, and improve end-user experiences and loyalty. This approach enables Conduent to deliver measurable value, including enhanced efficiency and performance, to a client base that includes nearly half of Fortune 100 companies and over 600 government and transportation agencies globally. Strategically, Conduent focuses on becoming the preeminent partner for businesses and governments by prioritizing client success through dedicated, high-quality service delivery and fostering an inclusive, collaborative culture guided by core values like personal accountability and purposeful communication. The Commercial segment forms the core of its revenue base, comprising 50.6% of total revenues in 2024 at $1,606 million, with emphasis on sectors such as healthcare (serving 9 of the top 10 U.S. health plans) and human resources. Government and Transportation segments complement this, targeting public sector efficiency and mobility solutions, respectively, with projected organic growth rates exiting 2025 of approximately 3% for Government and 4% for Transportation. Key initiatives include ongoing investments in intelligent process automation to support new business signings—such as $109 million in annual contract value (ACV) during Q1 2025—and to counter revenue declines through margin expansion, as evidenced by sequential improvements in adjusted EBITDA across all segments in Q2 2025. Conduent's model relies on strategic partnerships and industry expertise to address client challenges in areas like customer experience management and payments processing, while maintaining a global workforce of approximately 56,000 associates to execute at scale.

History

Origins as Xerox Business Services

Xerox Corporation's entry into business process outsourcing (BPO) and services, which later formed the core of Conduent, primarily stemmed from its strategic acquisition of Affiliated Computer Services (ACS) in 2010. Announced on September 28, 2009, the deal valued ACS at approximately $6.4 billion, with shareholders receiving $18.60 per share in cash plus 4.935 shares of Xerox stock, equivalent to $63.11 per ACS share. The acquisition closed on February 8, 2010, integrating ACS's capabilities in customer relationship management, finance and accounting outsourcing, human resources administration, and transaction processing, thereby diversifying Xerox beyond its traditional document technology focus. ACS, founded in 1988, had established itself as BPO provider with operations serving , , clients, generating significant recurring through long-term contracts. Post-acquisition, ACS operated as ACS, , further by acquiring ExcellerateHRO on , benefits firm, which bolstered Xerox's HR services portfolio with expertise in relocation, payroll, and employee benefits management. Complementing ACS were Xerox's pre-existing service elements, including document outsourcing and HR consulting rooted in Buck Consultants, established in 1916 as a pioneer in actuarial and benefits advisory services and integrated into Xerox's HR Services group by 2016. These assets collectively evolved into Xerox Business Services (XBS), a division emphasizing integrated BPO solutions that leveraged Xerox's technology for transaction-heavy processes in sectors like healthcare, public administration, and transportation. By 2016, XBS represented a substantial portion of Xerox's revenue, prompting the restructuring that led to its rebranding and separation as Conduent.

Spin-off from Xerox in 2017

In January 2016, Xerox Corporation announced plans to separate its business process outsourcing (BPO) and services operations into a standalone entity, initially named Xerox Business Services, to allow each company to pursue distinct strategies unencumbered by the other's performance. This move was driven by activist investor Carl Icahn's pressure on Xerox to unlock shareholder value by divesting non-core assets, as the BPO unit's growth trajectory diverged from Xerox's declining hardware-focused document technology business. On June 5, 2016, Xerox formalized the spin-off announcement, selecting "Conduent Incorporated" as the new entity's name, with the separation structured as a tax-free distribution to shareholders rather than a traditional IPO. The Xerox board approved the final separation terms on November 8, 2016, under a Separation and Distribution Agreement that outlined the transfer of assets, liabilities, and operations. Key provisions included Conduent assuming approximately $1.8 billion in debt and providing Xerox with a $1.8 billion cash payment to retire Xerox's obligations, while retaining a post-spin cash balance of about $400 million. The distribution occurred on December 31, 2016, with Xerox shareholders receiving one share of Conduent common stock (NYSE: CNDT) for every five shares of Xerox (NYSE: XRX) held, creating two independent, publicly traded companies. Trading commenced on January 3, 2017, marking Conduent's formal independence as a BPO leader with $6.7 billion in annual revenue, primarily from government, transportation, and commercial contracts. Ashok Vemuri, formerly of Xerox Services, was appointed Conduent's inaugural CEO, emphasizing and in post-separation statements. S&P Global assigned Conduent a 'BB' corporate with a negative upon , citing from assumed and risks despite its . The separation aimed to enhance strategic focus— on imaging hardware and outsourcing, Conduent on scalable services—but exposed Conduent to standalone market pressures without Xerox's legacy balance sheet support.

Post-Independence Developments and Milestones

In the years following its separation from Xerox, Conduent pursued a strategy of portfolio optimization through divestitures of non-core assets to enhance focus on high-growth business process services in public sector, transportation, and commercial segments. In April 2018, the company announced plans to divest up to $500 million in annual revenue associated with underperforming or non-strategic operations across its units. This included the sale of its U.S.-based human resource consulting and actuarial business, formerly Buck Consultants, to H.I.G. Capital, completed later that year to streamline operations and reduce complexity. Additionally, Conduent divested a portfolio of select customer care contracts generating approximately $500 million in 2017 revenue, aligning with broader efforts to exit low-margin areas. Leadership transitions marked efforts to stabilize and reposition the company amid operational challenges. In May 2019, founding CEO Ashok Vemuri stepped down, with the board initiating a search for a successor to guide long-term strategy. By February 2020, Clifford Skelton was appointed as president and CEO, bringing expertise in operational turnarounds and bringing prior experience from roles at Xerox and other service firms to emphasize cost discipline and digital transformation. Under Skelton's tenure, Conduent secured significant contract wins, including a three-year agreement in July 2018 valued at approximately $1 billion with a global Fortune 50 company, involving customer interaction services and requiring the hiring of 1,000 employees worldwide. Recent developments reflect ongoing restructuring for profitability and debt management. In 2024, Conduent accelerated subsidiary sales to fund growth initiatives and reduce leverage, continuing a pattern of shedding legacy assets. This culminated in August 2025 with the successful completion of a debt refinancing transaction, extending maturities and improving liquidity. Concurrently, the board underwent a leadership shift on August 6, 2025, appointing Harsha V. Agadi as chairman while Scott Letier transitioned to chair the audit committee, part of routine governance rotations. In October 2025, executive vice president Michael McDaniel departed as part of a broader management restructuring that eliminated certain positions to align with strategic priorities. Key wins included the October 2025 selection by the Richmond Metropolitan Transportation Authority for a pay-by-plate toll system implementation.

Operations

Core Services and Products

Conduent specializes in business process outsourcing (BPO) services, leveraging automation, artificial intelligence, and digital technologies to manage complex operations for commercial and government clients. Its offerings include customer experience management, payment processing, eligibility verification, and administrative support across sectors such as healthcare, transportation, and public services. In healthcare, Conduent provides the , a administrative designed for claims , , member , billing, and across all lines of . This supports by automating workflows to reduce costs and improve for payers and providers. Government solutions form a cornerstone of Conduent's portfolio, encompassing eligibility and enrollment processing, child support enforcement, and disbursement of benefits. The company serves 46 states, handling over 500 million Medicaid claims annually and distributing nearly $100 billion in government support payments. These services optimize public service delivery through automation of healthcare and social program administration. Transportation-related products include electronic tolling and transit payment systems, processing $12.4 billion in transactions each year. Conduent deploys integrated hardware and software for fare collection and revenue management in public transit networks. Human capital solutions focus on benefits administration, including defined contribution plans and total benefits outsourcing, with AI-driven tools for employee engagement, cost containment, and compliance. Finance, accounting, and procurement services handle transactional processing up to strategic advisory functions.

Key Industry Segments and Contracts

Conduent's operations are divided into three primary segments: Commercial, Government, and Transportation, which collectively account for its business process outsourcing services focused on payments, customer interactions, and administrative functions. The Commercial segment encompasses industries such as banking, insurance, manufacturing, and healthcare administration, providing solutions like customer experience management, human capital services, and claims processing to private-sector clients. In 2018, Conduent secured a contract valued at approximately $1 billion with an unnamed Fortune 50 company, renewing a long-term relationship for business process services. The Government segment targets federal, state, and local agencies, emphasizing eligibility determination, fraud prevention, child support enforcement, and public health administration, including Medicaid management information systems (MMIS). Conduent supports 46 states by processing over 500 million Medicaid claims annually and disbursing nearly $100 billion in benefits. A notable example is the January 2025 award from Alaska for a $92 million contract to manage and modernize the state's MMIS, enhancing program delivery efficiency. Federal contracts include the CIO-SP3 indefinite delivery, indefinite quantity vehicle, enabling IT solutions for agencies like the Social Security Administration and Department of Labor. In the Transportation segment, Conduent handles tolling, transit payments, and intelligent transportation systems, processing $12.4 billion in annual toll transactions. Services include smart card systems for public transit, such as the Myki contactless ticketing deployed in Melbourne, Australia, where readers are installed at stations for fare collection and validation. This segment supports multimodal mobility solutions, integrating payments and data analytics to optimize revenue collection and reduce evasion.

Technology and Infrastructure

Conduent relies on a combination of proprietary software platforms, cloud-based infrastructure, and partnerships with enterprise technology providers to support high-volume transaction processing and automation across its service lines. The company has integrated Oracle technologies, including Oracle Exadata and Oracle Cloud Infrastructure (OCI), to deliver enhanced performance and scalability for mission-critical systems, enabling faster implementations and reliable service delivery since February 2021. In March 2024, Conduent adopted Oracle Database@Azure, allowing it to process significantly more transactions per second in cloud environments while maintaining high availability through multi-node architectures, particularly benefiting tolling and payment applications. Key proprietary platforms include the Conduent Automation Platform, which converts business rules into automated virtual agents to handle repetitive tasks, and the HSP Payer Suite, a core administrative processing system for healthcare claims management across multiple lines of business. For customer interactions, Conduent CXNow leverages cloud contact centers to provide real-time analytics and AI-driven support, optimizing multichannel engagements like voice, chat, and email. In analytics and data processing, Conduent employs scalable cloud infrastructure with machine learning and automation to transform raw data into actionable insights, supporting industries such as healthcare and government.
In transportation, Conduent deploys contactless fare collection hardware and software, exemplified by its role in upgrading Australia's myki ticketing system. In November 2024, Conduent secured a contract with Victoria's Public Transport Victoria to install new readers enabling tap-and-go payments via credit/debit cards and mobile devices, with field trials incorporating QR code capabilities and improved user interfaces starting in early 2025. These systems integrate with backend cloud platforms for real-time transaction validation and fare calculation, though early deployments faced compatibility issues requiring hardware replacements at select stations. Conduent's infrastructure also features a Command Center in Salt Lake City, Utah, operational since 2020, which monitors global operations using advanced visualization tools for proactive issue resolution. Overall, the company's technology stack emphasizes hybrid cloud deployments to handle mission-critical workloads, with AI and automation reducing manual intervention in data-heavy processes.

Financial Performance

Conduent's revenue has declined consistently since its inception as a standalone company following the 2017 spin-off from Xerox, dropping from $6.02 billion in 2017 to $3.36 billion in 2024. This trajectory reflects a compound annual decline of approximately 7-8% over the period, driven by factors including the strategic divestiture of underperforming business units, contract losses, and reduced volumes in key segments such as commercial and government services.
YearRevenue ($ billions)Year-over-Year Change (%)
20176.02-
20185.39-10.4
20194.47-17.2
20204.16-6.8
20214.14-0.6
20223.86-6.8
20233.72-3.5
20243.36-9.8
Early post-spin-off declines were exacerbated by the run-off of low-margin contracts, such as in the education sector, and broader efforts to focus on higher-margin recurring streams. More recent years have seen accelerated , with 2024's 9.8% attributed to significant client in commercial solutions and ongoing divestitures like the BenefitWallet portfolio and curbside management business. Despite these challenges, Conduent has emphasized metrics like annual recurring signings, which totaled $533 million in a recent , as indicators of potential stabilization in core operations. However, overall growth remains absent, with adjusted continuing to contract amid market pressures and selective business shedding.

Profitability Challenges and Losses

Conduent has faced persistent profitability challenges since its 2017 spin-off from Xerox, primarily stemming from unprofitable contracts inherited from its predecessor, which involved overly aggressive cost estimates and pricing during the Xerox era. These contracts, particularly in government services, led to ongoing remediation efforts, including price adjustments and operational overhauls, but contributed to substantial net losses in early years. For instance, the company reported a net loss of $296 million in 2023 and $182 million in 2022, reflecting the drag from legacy deals and restructuring costs. High interest expenses from debt assumed in the spin-off—intended to bolster Xerox's balance sheet—further eroded margins, compounded by goodwill impairments, asset write-downs, and losses on divestitures. Restructuring charges, including those tied to workforce reductions and facility closures under strategic transformation programs, have been recurrent, with adjustments frequently excluding such items to derive "adjusted" metrics like EBITDA. Despite achieving a net income of $426 million in 2024, driven partly by one-time gains, profitability remained fragile, as evidenced by quarterly losses in 2025: a GAAP net loss of $40 million in Q2 and a pre-tax loss of $56 million in Q1. Revenue declines, fueled by contract expirations and client losses in key segments like commercial and government services, have intensified pressures, even as adjusted EBITDA margins improved modestly to around 4-5% in early 2025 through cost-cutting. Credit rating agencies noted these trends in October 2025, lowering Conduent's rating amid sustained revenue contraction despite margin gains, signaling vulnerability to further operational disruptions or failed contract turnarounds. The company's profitability score, per independent analyses, stands at 40/100, underscoring structural issues in cost management and pricing relative to peers.

Debt, Ratings, and Capital Structure

As of December 31, 2024, Conduent's total debt stood at $829 million, a reduction from $1.493 billion at the end of 2023 and $1.529 billion in 2022, reflecting ongoing deleveraging efforts amid operational challenges. The company's net debt was $273 million at year-end 2024, supported by cash reserves of $556 million and access to a $550 million revolving credit facility, which remained largely undrawn as of early 2025. Short-term debt and current portions of long-term debt totaled $76 million in 2024, down from $88 million in 2023. Conduent's debt maturities are long-dated, with the company describing its liquidity position as strong and its net leverage ratio as modest in its 2024 annual results. However, credit rating agencies have expressed concerns over the pace of debt reduction. S&P Global Ratings downgraded Conduent's issuer credit rating to 'B' from 'B+' on October 10, 2025, citing slow deleveraging and weak cash flow generation, while lowering the senior secured debt rating to 'B+' from 'BB-'; the outlook remains stable. Moody's Investors Service affirmed a 'B1' corporate family rating and senior secured debt ratings in May 2024, with a stable outlook, and upheld the 'B1' long-term local currency rating for Conduent Business Services in December 2024. Conduent's features a of secured and , with at approximately $919 million as of mid-2025, yielding a of about 66.6% based on $612 million in at that point. The long-term has trended downward since the 2017 from , when inherited obligations were higher relative to operations, though persistent profitability pressures have limited faster improvement. Management has prioritized repayment through asset sales and cash flow, but agency assessments highlight risks from subdued free cash flow conversion.

Controversies and Criticisms

Cybersecurity Incidents

On January 13, 2025, Conduent detected an operational disruption caused by unauthorized to a limited portion of its network by a . The intrusion began on October 21, 2024, and persisted undetected for nearly until . During this period, the actor exfiltrated files containing , including names and Social Security numbers, belonging to a significant number of individuals associated with Conduent clients. The breach's scope extended to protected health information for clients in the healthcare sector. For instance, Blue Cross Blue Shield of Montana reported that data of 462,000 members, including sensitive health details, was compromised via Conduent's systems. Overall estimates indicate the incident affected approximately 4.3 million individuals, though individual notifications varied by client. Conduent disclosed these details in an SEC Form 8-K filing on April 14, 2025, confirming the cyber intrusion but providing no specifics on the initial access method or threat actor identity. No prior major cybersecurity incidents involving Conduent were publicly reported in or , based on available . The company responded by engaging cybersecurity experts and notifying affected parties, though investigations into the full extent continued into late .

Financial and Operational Shortcomings

Conduent has experienced persistent declines, with adjusted falling 2.6% year-over-year to $754 million in the second quarter of , primarily due to lost contracts and divestitures. Full-year dropped 3.5% to $3.72 billion from the year, reflecting broader challenges in retaining amid competitive pressures in . Over the ending in mid-, contracted by 14.38%, underscoring structural difficulties in segments like and government services. Profitability has been hampered by recurring losses, including a $38 million pre-tax loss in Q2 2025 compared to $300 million pre-tax income in Q2 2024, driven by the absence of one-time divestiture gains and higher operational costs. The company reported a net loss of $40 million for the same period, exacerbating cash burn concerns amid an earnings miss in Q1 2025 that led to a 4.23% stock price drop. Debt levels remain a significant burden, with total debt at $612 million as of recent filings and a debt-to-equity ratio of 66.6%, despite reductions from $2.1 billion to $1.6 billion over the past year through repayments and refinancing. Liabilities continue to exceed cash and receivables by approximately $602 million, contributing to a downgrade of senior secured debt to 'B+' by S&P Global Ratings in October 2025, citing limited liquidity and execution risks. Operationally, Conduent has faced contract terminations and non-renewals, such as a government healthcare agreement ended in May 2025 for non-performance reasons and the Florida Department of Transportation's decision not to renew its SunPass tolling contract in 2019 due to service failures. Earlier controversies, including issues with cashless tolling implementations criticized for inefficiencies and prompting federal scrutiny in 2018, highlight recurring execution problems in key infrastructure projects. These losses have necessitated cost-cutting measures, including workforce reductions of nearly 400 employees in April 2024, as part of broader efforts to address operational inefficiencies and stabilize margins.

Client and Contract Disputes

Conduent has encountered significant disputes with government clients over contract performance and payments in its public sector services. These conflicts often stem from allegations of inadequate service delivery, billing irregularities, and demands for contract variations amid delays and cost overruns. In 2019, the state of Texas settled claims against Conduent related to two Medicaid processing contracts managed by Conduent's predecessor companies from 2004 to 2014. Texas had terminated the contracts and pursued action under the Texas Medicaid Fraud Prevention Act, citing improper practices. Conduent agreed to pay $235.9 million over three years to resolve the matter, while denying any wrongdoing or improper actions during contract performance. The settlement addressed legacy claims without disrupting ongoing business, as Texas continued as a client. A prominent ongoing dispute involves Conduent's AU$1.7 billion, 15-year contract awarded on May 15, 2023, to operate and upgrade Victoria, Australia's Myki public transport ticketing system, with operations commencing in December 2023. The project seeks to introduce contactless payments via credit cards and mobile devices, replacing the card-based system. By November 2024, tensions escalated into a legal stand-off, with Conduent demanding contract amendments for additional costs and technical requirements, including telecom upgrades for trams and adjustments to milestone payments and timelines. The Victorian government maintained the project remained on track for a 2025 rollout and full completion by mid-2027, amid a 3G network outage impacting readers. A standstill agreement halted legal proceedings until late November 2024, with negotiations conducted primarily through lawyers and a local trial planned before year-end. Subsequent developments highlighted further challenges, including an additional AU$137 million in costs and an 18-month delay disclosed in the Victorian budget on May 21, 2025. By January 2025, the upgrade faced turmoil, with contactless fare options projected years away from implementation, exacerbating criticisms of the project's management.

Recognition and Impact

Awards and Industry Accolades

In 2025, Conduent was named to Newsweek's Global Most Loved Workplaces list, recognizing its workplace culture emphasizing trust, respect, and employee connection based on employee feedback surveys. The company has held Most Loved Workplace certification annually since 2022 and appeared on the program's Top 100 list on multiple occasions, derived from proprietary employee sentiment data. Conduent earned the Supplier of the Year from , honoring its in execution, , , and among suppliers. Similarly, awarded Conduent its Supplier Excellence in for the second consecutive year, acknowledging superior and reliability. In the analyst evaluations, Conduent was designated a Leader in the 2023 ISG Provider Lens report for Management in the United States across all four quadrants: Digital Operations, Working Solutions, Intelligent , and Social Media Service, based on ISG's assessment of market presence, capabilities, and client feedback. It was also included on the 2022 GovTech 100 list, which identifies top companies providing solutions to state and local governments, selected for impact in public sector innovation. Comparably, drawing from anonymous employee ratings, awarded Conduent Best Leadership Team in 2023, citing high scores for CEO, executive, and manager evaluations; the platform has granted the company 12 culture-related honors since 2021, including Best Global Culture, Best Company for Women, and Best Company for Diversity. In 2022, Forbes listed Conduent among America's Best Employers for Diversity for the second year, based on a survey of over 40,000 U.S. employees assessing diversity initiatives, pay equity, and inclusion practices.

Market Position and Contributions

Conduent maintains a specialized position in the business process outsourcing (BPO) and transaction processing sectors, with a focus on high-volume, mission-critical operations for government, transportation, and commercial clients. In 2024, the company reported annual revenue of $3.356 billion, primarily from segments including government services (approximately 41% of revenue), transportation (18%), and commercial industries. It serves nearly half of Fortune 100 companies and over 600 government and transportation agencies worldwide, including 9 of the top 10 U.S. health plans, 4 of the 5 largest global automakers, and 46 U.S. states. Analyst firms such as ISG, NelsonHall, and Everest Group have recognized Conduent as a leader in customer experience (CX) services, healthcare administration, and human resources outsourcing. In transportation, Conduent holds a leadership role in tolling and public transit systems, processing millions of toll transactions daily and supporting agencies with electronic toll collection, fare management, and road usage charging solutions. The company has expanded its transit market share through innovations like contactless fare gates and tap-and-go systems. For instance, Conduent operates the Myki smartcard system for public transport in Victoria, Australia, enabling seamless ticketing and validation at stations like Bendigo. Conduent's contributions to the BPO emphasize , including , , , and advanced to optimize processes, reduce costs, and enhance client outcomes. It has advanced (BPaaS) models, particularly in payments, , and , serving as a provider for U.S. agencies in healthcare claims and benefit payments. Recent efforts include generative pilots with partners like to automate operations and improve experiences in BPO workflows. With approximately 56,000 employees globally, Conduent supports scalable digital platforms that handle billions of transactions annually across sectors.

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