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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.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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