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Euronet Worldwide (EEFT) investor relations material
Euronet Worldwide Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Achieved 9% year-over-year revenue growth to $1,074.3M and 18% operating income growth to $158.6M in Q2 2025, with operating margin expanding by 112 basis points.
Adjusted EBITDA rose 16% to $206.2M, and net income attributable to shareholders increased to $97.6M.
Announced acquisition of CoreCard, a leading credit card issuing platform, in an all-stock deal valued at $248M, expected to be EPS accretive within 12 months post-close.
Signed a multi-year Ren technology agreement with a top-three U.S. bank, expected to drive future revenue and serve as a key reference customer.
Money Transfer segment led growth, with operating income up 39% year-over-year and digital transactions up 29%.
Financial highlights
Q2 2025 revenue: $1,074.3M (+9% YoY); operating income: $158.6M (+18% YoY); adjusted EBITDA: $206.2M (+16% YoY); net income: $97.6M (+17% YoY); adjusted EPS: $2.56 (+14% YoY).
Gross margin for Q2: 48.6% in EFT, 24.7% in epay, 48.0% in Money Transfer.
Unrestricted cash at period end: $1,329.3M; total indebtedness: $2,438.1M.
Share repurchases totaled $247M for 2.3M shares in Q2 2025.
Effective tax rate: 25.6% for Q2, down from 32.0% in prior year.
Outlook and guidance
Expects 2025 adjusted EPS growth of 12% to 16% year-over-year, in line with historical compounded annual growth rates.
CoreCard acquisition expected to be accretive to adjusted EPS within 12 months post-close.
Continued focus on digital diversification and cross-selling opportunities in global and U.S. markets.
Management expects continued growth in all segments, with focus on digital expansion and integration of recent acquisitions.
Guidance excludes potential impacts from foreign exchange, interest rates, or unforeseen factors.
Assess CoreCard acquisition's impact on digital mix.
Explain Money Transfer's margin expansion drivers.
How will Ren agreement impact US ATM market?
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Next Euronet Worldwide earnings date
Q3 202523 Oct, 2025
Next Euronet Worldwide earnings date
Q3 202523 Oct, 2025
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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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