)
Visual22 Oct 2025
Epiroc's cash spent on M&A
Euronet Worldwide (EEFT) investor relations material
Euronet Worldwide Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved revenue of $1.1 billion to $1,145.7 million, operating income of $195 million, adjusted EBITDA of $244.6 million, and adjusted EPS of $3.62 for Q3 2025, with EPS up 19% year-over-year.
Revenue growth was below expectations due to macroeconomic and immigration policy headwinds, but effective expense management and share repurchases supported solid results.
Closed $1 billion convertible bond to strengthen balance sheet and support growth initiatives.
Advanced digital initiatives, including partnerships with Fireblocks (stablecoin technology) and Citigroup (cross-border payments), and progressed toward CoreCard acquisition.
Net income attributable to shareholders was $122.0 million, or $2.75 diluted EPS, compared to $151.5 million, or $3.21 diluted EPS, in Q3 2024.
Financial highlights
Revenue grew 4% year-over-year to $1,145.7 million; adjusted EBITDA rose 8% to $244.6 million; operating income up 7% to $195 million.
Adjusted EPS increased 19% year-over-year to $3.62.
Unrestricted cash at $1,172.5 million and total debt at $2,305.3 million as of September 30, 2025.
Share repurchases averaged 85% of annual earnings over the past four years; 1.3 million shares repurchased in Q3 2025.
Adjusted EBITDA margin was 21.4%.
Outlook and guidance
Reaffirmed full-year adjusted EPS growth guidance of 12% to 16% year-over-year.
Q4 bottom-up forecast indicates a potential turnaround in revenue trends.
Guidance excludes potential impacts from foreign exchange, interest rates, or unforeseen factors.
Management remains confident in sustaining double-digit EPS growth into 2026, even if macro and policy challenges persist.
Stablecoin integration: What's the market opportunity
Convertible debt: What's the strategic financial benefit
Despite revenue pressure, what drove adjusted EPS growth?
Stablecoin strategy and Q1 2026 launch
Future of European ATM network?
Money Transfer digital growth vs. market?
Stablecoin pilots: expected impact?
Money Transfer: drivers of expected rebound?
Capital allocation: buyback vs. M&A balance?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Euronet Worldwide earnings date
Q4 202511 Feb, 2026
Next Euronet Worldwide earnings date
Q4 202511 Feb, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Euronet Worldwide Inc is a provider of electronic payment services operating through segments including electronic funds transfer, epay, and money transfer. The company offers ATM and POS network services, prepaid mobile top-up, and international money remittance solutions. It serves financial institutions, retailers, and consumers across global markets. Euronet Worldwide Inc is headquartered in Leawood, Kansas, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage