Unless specifically noted otherwise within this presentation, the following terms are hereby defined as follows: Financial Highlights First Quarter 2023 Balance Sheet Overview Michael J. Brown| Chairman & CEO • Renewed: | --- | --- | |-----------------------------------------------------|------------| | Active ATM Rollforward | Sequential | | ATMs at Beginning of Quarter 45,009 | | | Traditional High Value ATM Changes | | | Independently Deployed ATMs (151) | | | Outsourcing ATMs (46) | | | Low-Margin India ...

Euronet Worldwide, Inc. (NASDAQ:EEFT) Q1 2023 Results Conference Call May 3, 2023 9:00 AM ET Company Participants Scott Claassen - General Counsel Mike Brown - Chairman and Chief Executive Officer Rick Weller - Chief Financial Officer Conference Call Participants Andrew Jeffrey - Truist Securities Andrew Schmidt - Citi Global Markets Darrin Peller - Wolfe Research Alli Heckmann - D.A. Davidson Mike Grondahl - Northland Securities Ken Suchoski - Autonomous Research Rayna Kumar - UBS Cris Kennedy - William Bl ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-31648 EURONET WORLDWIDE, INC. (Exact name of Registrant as specified in its charter) ________________________ (State or other jurisd ...

Financial Data and Key Metrics Changes - For Q4 2022, the company reported revenue of $865 million, operating income of $79 million, adjusted EBITDA of $127 million, and adjusted EPS of $1.39, reflecting strong double-digit constant currency growth driven by all three segments [15][22][42] - The company ended the year with $1.1 billion in unrestricted cash and $1.6 billion in debt, with cash generated from operations partially offset by working capital changes [5][15] Business Line Data and Key Metrics Changes - The EFT segment saw strong improvements in revenue, operating income, and adjusted EBITDA due to increased domestic and international withdrawal transactions following the lifting of COVID travel restrictions [7][10] - Money Transfer revenue grew by 9%, adjusted operating income by 6%, and adjusted EBITDA by 5%, with direct-to-consumer digital transactions growing by 38% [8][9][10] - Epay revenue grew by 9%, operating income by 12%, and adjusted EBITDA by 11%, driven by the expansion of mobile and digital payments [18] Market Data and Key Metrics Changes - The company experienced a 13% growth in U.S. outbound transactions and a 13% growth in international originated money transfers, with transfers initiated in the Middle East and Asia growing by 14% [19] - The company noted that the average amount sent per transaction in Money Transfer declined by about 3% to 4%, impacting revenue per transaction growth rates [39][133] Company Strategy and Development Direction - The company plans to continue expanding its ATM network and digital initiatives, with expectations of strong growth rates in 2023 driven by travel recovery and new market entries [29][62] - The company is optimistic about the travel industry's recovery, with expectations of double-digit top-line growth in the coming years [23][44] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the resilience of the business despite ongoing economic uncertainties, highlighting the importance of cash transactions during such times [46][42] - The company expects adjusted EPS for Q1 2023 to be approximately $0.85 per share, representing a 23% growth over the previous year [22] Other Important Information - The company signed multiple agreements to expand its ATM network and digital payment solutions, including partnerships in the Philippines and Spain [47][49] - The transition of Croatia's currency to the euro is expected to impact EFT results, but management believes new rate-related opportunities will offset this [21][108] Q&A Session Summary Question: Clarification on EPS growth guidance - Management confirmed that the mid-to-upper teens EPS growth guidance for 2023 is based on the full number for 2022, with expectations of strong growth in all segments, particularly EFT due to increased travel [88] Question: Insights on Money Transfer growth rates - Management indicated that while inflationary impacts have been considered, the fundamental strength in customer addition and network expansion remains strong, with expectations for a slower first quarter [76][78] Question: Contribution of Chinese travelers to business - Management noted that while Chinese travelers could provide some benefit, historically, they have not significantly contributed to profitability due to restrictions on DCC [101] Question: Timing of Ren revenue recognition - Management stated that Ren revenue is tracking as expected, with significant growth anticipated as more agreements are signed and implemented [118] Question: Confidence in travel recovery - Management expressed confidence in achieving 92% to 93% of 2019 travel levels based on Eurocontrol data and observed trends in travel bookings [126]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-31648 EURONET WORLDWIDE, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or ...

Financial Data and Key Metrics Changes - The company reported consolidated revenue of $931 million, operating income of $168 million, and adjusted EBITDA of $212 million, with adjusted EPS of $2.74, reflecting a 55% increase from $1.77 in the same quarter last year [6][11][12] - The strong performance was attributed to double-digit constant-currency growth across all three segments, driven by increased domestic and international cash withdrawal transactions in the EFT segment due to rising travel demand post-COVID restrictions [6][11] Business Line Data and Key Metrics Changes - The EFT segment saw significant growth, with increased domestic and international withdrawal transactions, contributing to overall revenue and gross profit expansion [9][11] - Epay revenue grew by 18%, operating income by 29%, and adjusted EBITDA by 24%, driven by mobile and digital branded payments and digital distribution channel growth [10] - Money transfer revenue, operating income, and adjusted EBITDA increased by 11%, 23%, and 29%, respectively, with notable growth in U.S. outbound transactions and international transfers [11][12] Market Data and Key Metrics Changes - The company experienced currency fluctuations, with many significant currencies declining by 10% to 20% against the U.S. dollar year-over-year, impacting cash positions [8][14] - Despite these fluctuations, the company maintained its full-year 2022 adjusted EPS guidance of $6.30 to $6.40, reflecting confidence in underlying business resilience [14][16] Company Strategy and Development Direction - The company plans to expand its ATM network into new markets and continue introducing new products in the epay segment, alongside expanding its Money Transfer network [27][28] - The company is focused on geographic and product diversity to navigate economic pressures and maintain growth through various economic cycles [22][61] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about travel recovery in 2023, with expectations of reaching 92% of 2019 travel levels, which would represent a 25% improvement from the previous year [26][27] - The company remains vigilant regarding inflation impacts but has not yet seen significant pressure on revenue or gross profit across segments [13][61] Other Important Information - The company added approximately 3,000 new merchants and expanded its ATM portfolio, with a total of over 1,800 ATMs installed this year [30][32] - The company is facing challenges in the ATM supply chain but is working with new manufacturers to continue expansion [33] Q&A Session Summary Question: Confirmation on 2023 outlook and key variables - Management confirmed mid to upper teens adjusted EPS growth for 2023, with key variables including travel recovery and FX rates [64][65] Question: High-value transaction trends - Management indicated that high-value transaction recovery is trending well, with significant impacts from reduced travel from the UK [67][70] Question: Sustaining growth amid electronic payment trends - Management acknowledged the shift towards electronic payments but emphasized the continued need for cash, especially in cash-based markets [73][78] Question: Impact of strengthening dollar on guidance - Management noted consistent growth across the business despite FX headwinds, maintaining the EPS guidance [84][86] Question: R&D investments and expense management - Management confirmed ongoing R&D investments without significant increases expected for 2023, focusing on maintaining operational efficiency [90][92] Question: 2023 travel recovery tracking and margin structure - Management expressed confidence in tracking travel recovery and indicated that margins would improve as transaction volumes increase [94][96]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-31648 EURONET WORLDWIDE, INC. (Exact name of registrant as specified in its charter) Delaware 74-2806888 (State or other jurisdiction of in ...

Euronet Worldwide, Inc. (NASDAQ:EEFT) Q2 2022 Earnings Conference Call July 28, 2022 9:00 AM ET Company Participants Hope Gregg - Associate General Counsel Rick Weller - EVP, CAO & CFO Michael Brown - Chairman, CEO & President Conference Call Participants Peter Heckmann - D.A. Davidson Joel Riechers - Truist Company Andrew Schmidt - Citigroup Vasundhara Govil - KBW Operator Greetings, and welcome to the Euronet Worldwide Second Quarter 2022 Earnings Call. It is now my pleasure to introduce your host, Ms. Ho ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-31648 EURONET WORLDWIDE, INC. (Exact name of registrant as specified in its charter) Delaware 74-2806888 (State or other jurisdiction of i ...

Euronet Worldwide, Inc. (NASDAQ:EEFT) Q1 2022 Earnings Conference Call April 27, 2022 9:00 AM ET Company Participants Scott Claassen - General Counsel & Secretary Michael Brown - Chairman, CEO & President Rick Weller - EVP, CAO & CFO Conference Call Participants Peter Heckmann - D.A. Davidson & Co. Andrew Schmidt - Citigroup Vasundhara Govil - KBW Darrin Peller - Wolfe Research Operator Greetings, and welcome to the Euronet Worldwide First Quarter 2022 Earnings Conference Call. It is now my pleasure to intr ...