8-K

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): September 30, 2003

CONCORD EFS, INC.

(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

Delaware	001-31527	04-2462252
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
2525 Horizon Lake Drive, Suite 120, Memphis, Tennessee, 38133 (Address of Principal Executive Offices, including Zip Code)
(901) 371-8000 (Registrant’s Telephone Number, Including Area Code)
Not Applicable (Former Name or Former Address, if Changed Since Last Report)

Item 5. Other Events.

On October 23, 2003, Concord EFS, Inc. (the “Company”) issued a press release containing financial results for the three- and nine-month periods ended September 30, 2003. The financial results are attached as Exhibit 99.1 and incorporated herein by reference. In the aforementioned press release, the Company reported $0.19 diluted earnings per share on revenue growth of 14%. The information in this Form 8-K, including the exhibit hereto, is incorporated by reference into the Joint Proxy Statement/Prospectus that First Data Corporation has filed with the Securities and Exchange Commission concerning the planned merger involving First Data Corporation and the Company.

Item 7. Financial Statements and Exhibits.

(a)-(b) Not applicable.

(c) Exhibits.

Exhibit Number	Description of Exhibit
99.1	Concord EFS, Inc. financial results for the three- and nine-month periods ended September 30, 2003.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CONCORD EFS, INC.
By:	/s/    Edward T. Haslam
	Edward T. Haslam
Its:	Senior Vice President, Chief Financial Officer and Treasurer

Date: October 24, 2003

Exhibit Index

The following is a list of the Exhibits furnished herewith.

Exhibit Number	Description of Exhibit
99.1	Concord EFS, Inc. financial results for the three- and nine-month periods ended September 30, 2003.

EX-99.1

Exhibit 99.1

The following table presents selected consolidated financial data (in thousands, except earnings per share) for the third quarter 2003 and 2002.

	Quarter Ended:
	Sept 30, 2003		Sept 30, 2002
Revenue	$	588,486	$	514,389
Cost of Operations		421,922		367,179
Selling, General and Administrative Expenses		34,139		31,233
Merger, Acquisition, Restructuring and Write-Off Charges		9,491		—
Litigation Settlement Charges (Credits)		—		(11,000	)
Operating Income		122,934		126,977
Investment Income		12,455		20,653
Interest Expense		1,890		3,054
Other Income, net		7,166		1,023
Income Taxes		47,826		50,959
Minority Interest in Subsidiary		255		311
Net Income	$	92,584	$	94,329
Basic Earnings Per Share	$	0.19	$	0.18
Diluted Earnings Per Share	$	0.19	$	0.18
Shares Used For:
Basic Earnings Per Share		475,382		512,546
Diluted Earnings Per Share		486,749		527,856

The following table presents selected consolidated financial data (in thousands, except earnings per share) for the nine months ended September 30, 2003 and 2002.

	Nine Months Ended:
	Sept 30, 2003		Sept 30, 2002
Revenue	$	1,678,391	$	1,424,251
Cost of Operations		1,220,768		980,996
Selling, General and Administrative Expenses		100,393		88,372
Merger, Acquisition, Restructuring and Write-Off Charges		17,440		76,506
Litigation Settlement Charges		—		9,761
Operating Income		339,790		268,616
Investment Income		41,718		59,723
Interest Expense		6,259		8,816
Other Income, net		18,314		7,937
Income Taxes		136,340		115,033
Minority Interest in Subsidiary		806		671
Net Income	$	256,417	$	211,756
Basic Earnings Per Share	$	0.53	$	0.41
Diluted Earnings Per Share	$	0.52	$	0.40
Shares Used For:
Basic Earnings Per Share		482,830		510,973
Diluted Earnings Per Share		493,356		530,255