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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.
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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.

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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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