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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
Q3 2025 revenue reached $1.15 billion, up 4% year-over-year, with adjusted EPS of $3.62, up 19% year-over-year, and operating income of $195 million, up 7% year-over-year.
Net income attributable to shareholders was $122 million, down 19% year-over-year, while adjusted EBITDA rose 8% to $244.6 million.
Revenue growth was below expectations due to macroeconomic and immigration policy headwinds, but digital expansion, business model diversity, and new partnerships supported resilience.
Closed a $1 billion convertible bond at 0.625% interest, maturing in 2030, to strengthen the balance sheet and support growth initiatives.
Advanced digital and AI initiatives, including partnerships with Fireblocks (stablecoin technology) and Citigroup (cross-border payments), and progressed toward the CoreCard acquisition.
Financial highlights
Adjusted EBITDA was $244.6 million (+8% YoY); operating income $195 million (+7% YoY); adjusted EPS $3.62 (+19% YoY).
Unrestricted cash at quarter-end was $1,172.5 million; total debt $2,305.3 million.
Share repurchases totaled 1.3 million shares in Q3 2025, with a long-term average of 85% of annual earnings returned to shareholders.
Gross margin improved in Money Transfer and epay segments; Q3 gross margin: EFT 52.5%, epay 24.5%, Money Transfer 47.9%.
Total debt to trailing twelve month adjusted EBITDA improved to 3.1x; net debt to adjusted EBITDA at 1.5x.
Outlook and guidance
Full-year adjusted EPS growth guidance reaffirmed at 12%-16%, with Q4 earnings growth expected to be similar to Q3.
Management expects continued growth in digital and international money transfer transactions, supported by new product launches and acquisitions.
Guidance excludes potential impacts from foreign exchange, interest rates, or unforeseen factors.
Capital expenditures for 2025 are estimated at $120–$130 million, focused on ATM and POS expansion.
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?
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Next Euronet Worldwide earnings date
Q4 202511 Feb, 2026
Next Euronet Worldwide earnings date
Q4 202511 Feb, 2026
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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.
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