UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Title of each class Trading symbol(s) Name of each exchange on which registered Common Stock, $0.001 par value EVRI New York Stock Exchange For the quarterly period ended June 30, 2020 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 ...

Everi Holdings Inc. (NYSE:EVRI) Q1 2020 Earnings Conference Call June 2, 2020 5:00 PM ET Company Participants Bill Pfund - Vice President of Investor Relations Mike Rumbolz - Chief Executive Officer Randy Taylor - President & Chief Operating Officer Mark Labay - Executive Vice President & Chief Financial Officer Dean Ehrlich - Games Business leader Darren Simmons - FinTech Business Leader Conference Call Participants Brad Boyer - Stifel David Katz - Jefferies Barry Jonas - SunTrust John Davis - Raymond Jame ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Title of each class Trading symbol(s) Name of each exchange on which registered Common Stock, $0.001 par value EVRI New York Stock Exchange For the quarterly period ended March 31, 2020 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 ...

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, 2019 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: 001-32622 EVERI HOLDINGS INC. (Exact name of registrant as specified in its charter) Delaware 20-0723270 (State or other jurisdiction of ...

Everi Holdings Inc. (NYSE:EVRI) Q3 2019 Results Earnings Conference Call November 5, 2019 5:00 PM ET Company Participants William Pfund - Vice President, Investor Relations Michael Rumbolz - President and CEO Randy Taylor - CFO Dean Ehrlich - Games Business Leader Darren Simmons - FinTech Business Leader Conference Call Participants John Davis - Raymond James Brad Boyer - Stifel David Katz - Jefferies Group Chad Beynon - Macquarie George Sutton - Craig-Hallum Barry Jonas - SunTrust ' Ricardo Chichizola - De ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Title of each class Trading symbol(s) Name of each exchange on which registered Common Stock, $0.001 par value EVRI New York Stock Exchange For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission ...

Everi Holdings Inc. (NYSE:EVRI) Q2 2019 Results Earnings Conference Call August 6, 2019 5:00 PM ET Company Participants Mark Labay - SVP of Finance, IR Mike Rumbolz - President and CEO Randy Taylor - CFO Dean Ehrlich - Games Business Leader Darren Simmons - FinTech Business Leader Harper Ko - Chief Legal Officer, General Counsel Bill Pfund - VP of IR Conference Call Participants John Davis - Raymond James Barry Jonas - SunTrust George Sutton - Craig-Hallum Brad Boyer - Stifel Brian McGill - Telsey Advisory ...

[PART I: FINANCIAL INFORMATION](index=3&type=section&id=PART%20I%3A%20FINANCIAL%20INFORMATION) [Item 1: Financial Statements](index=3&type=section&id=Item%201%3A%20Financial%20Statements) This section presents the unaudited condensed consolidated financial statements for Q2 2019 and 2018, including Income, Balance Sheets, Cash Flows, and Stockholders' Deficit, with notes on accounting policies, new standards, and acquisitions Financial Performance Overview | Financial Metric | Q2 2019 ($) | Q2 2018 ($) | Change | Six Months 2019 ($) | Six Months 2018 ($) | Change | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | **Total Revenues** | $129.7 million | $118.7 million | +9.3% | $253.5 million | $229.7 million | +10.4% | | **Operating Income** | $24.9 million | $22.6 million | +10.2% | $50.8 million | $47.1 million | +7.8% | | **Net Income** | $5.5 million | $1.5 million | +272% | $11.3 million | $6.1 million | +86% | | **Diluted EPS** | $0.07 | $0.02 | +250% | $0.15 | $0.08 | +87.5% | Balance Sheet Summary | Balance Sheet Item | June 30, 2019 ($) | Dec 31, 2018 ($) | | :--- | :--- | :--- | | **Total Assets** | $1,596.3 million | $1,548.3 million | | **Total Liabilities** | $1,680.7 million | $1,657.2 million | | **Total Stockholders' Deficit** | ($84.4 million) | ($108.9 million) | - For the six months ended June 30, 2019, net cash used in operating activities was **$87.7 million**, a significant shift from the **$49.2 million** provided by operating activities in the same period of 2018. This change was primarily driven by fluctuations in settlement receivables and liabilities within the FinTech segment[21](index=21&type=chunk)[277](index=277&type=chunk) - On March 8, 2019, the company acquired certain assets of Atrient, Inc., a developer of gaming patron loyalty applications, for an expected total consideration of approximately **$50 million**. This acquisition expands the company's offerings in its FinTech segment[95](index=95&type=chunk) [Item 2: Management's Discussion and Analysis of Financial Condition and Results of Operations](index=50&type=section&id=Item%202%3A%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses Q2 2019 financial results, highlighting revenue growth in Games and FinTech segments, including contributions from the Atrient acquisition, and reviews liquidity and capital resources Segment Revenue Performance | Segment Revenue (Q2 2019 vs Q2 2018) | Q2 2019 ($) | Q2 2018 ($) | Change | | :--- | :--- | :--- | :--- | | **Games** | $69.4 million | $65.9 million | +5% | | **FinTech** | $60.3 million | $52.7 million | +14% | | **Total** | $129.7 million | $118.7 million | +9% | - The **14% increase** in FinTech revenues for Q2 2019 was primarily due to increased equipment and information services revenues, which included approximately **$4.9 million** from the newly acquired loyalty operations (Atrient)[233](index=233&type=chunk) - As of June 30, 2019, the company had cash and cash equivalents of **$123.8 million** and an undrawn revolving credit facility of **$35.0 million**. Management believes cash flow from operations and available credit are sufficient to meet operating and capital expenditure needs for the foreseeable future[271](index=271&type=chunk)[272](index=272&type=chunk) - The company has off-balance sheet arrangements with third-party vendors to provide cash for certain ATMs. The outstanding balance of ATM cash utilized was approximately **$243.9 million** as of June 30, 2019, which is not reflected on the company's Balance Sheets[283](index=283&type=chunk)[286](index=286&type=chunk) [Item 3: Quantitative and Qualitative Disclosures About Market Risk](index=64&type=section&id=Item%203%3A%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company discloses market risks, primarily interest rate risk from variable-rate credit facilities and ATM cash arrangements, while foreign currency exchange risk is deemed immaterial - The company is exposed to interest rate risk on its **$790.0 million** variable-rate Credit Facilities. Each **100 basis point** increase in the applicable LIBOR would result in an approximate **$7.9 million** impact on interest expense over a 12-month period[292](index=292&type=chunk) - An additional interest rate risk exists for the **$243.9 million** in third-party vendor cash used for ATMs. Each **100 basis point** increase in the federal funds rate would have an approximate **$2.4 million** impact on income before tax over a 12-month period[291](index=291&type=chunk) - Exposure to foreign currency exchange risk from international operations is not considered material to the company's financial results[290](index=290&type=chunk) [Item 4: Controls and Procedures](index=64&type=section&id=Item%204%3A%20Controls%20and%20Procedures) Management, including the CEO and CFO, concluded the company's disclosure controls and procedures were effective as of June 30, 2019, with changes made for ASC 842 adoption - Based on an evaluation as of June 30, 2019, the Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures are **effective**[293](index=293&type=chunk) - The company implemented changes to its internal control over financial reporting during the quarter to accommodate the adoption of the new lease accounting standard, ASC 842. No other changes that materially affected, or are reasonably likely to materially affect, internal controls were reported[295](index=295&type=chunk)[296](index=296&type=chunk) [PART II: OTHER INFORMATION](index=47&type=section&id=PART%20II%3A%20OTHER%20INFORMATION) [Item 1: Legal Proceedings](index=47&type=section&id=Item%201%3A%20Legal%20Proceedings) The company is involved in several legal proceedings, including FACTA class actions and an antitrust suit, for which no liabilities have been accrued due to unpredictable outcomes - The company is a defendant in three putative class action lawsuits (Rehman, Jessop, Donahue) alleging violations of the Fair and Accurate Credit Transactions Act (FACTA)[301](index=301&type=chunk)[302](index=302&type=chunk)[303](index=303&type=chunk) - NRT Technology Corp. filed a civil action against the company alleging monopolization of the market for unmanned, integrated kiosks, fraudulent patent procurement, and sham litigation[304](index=304&type=chunk) - No accrual for legal contingencies has been recorded as the company cannot reasonably estimate the size or range of possible loss for these matters[299](index=299&type=chunk)[300](index=300&type=chunk) [Item 1A: Risk Factors](index=48&type=section&id=Item%201A%3A%20Risk%20Factors) This section refers to the risk factors disclosed in the company's Annual Report on Form 10-K for FY2018, noting no material changes to previously disclosed factors - There have been no material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the fiscal year ended December 31, 2018[306](index=306&type=chunk) [Item 2: Unregistered Sales of Equity Securities and Use of Proceeds](index=48&type=section&id=Item%202%3A%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reports on the withholding of 86,200 equity shares at an average price of $11.18 per share during Q2 2019 to satisfy employee tax obligations from restricted stock vesting Shares Withheld for Tax Obligations | Period | Total Shares Purchased (in thousands) | Average Price Paid per Share ($) | | :--- | :--- | :--- | | April 2019 | 0.9 | $10.26 | | May 2019 | 84.5 | $11.20 | | June 2019 | 0.8 | $11.14 | | **Total Q2 2019** | **86.2** | **$11.18** | - The shares were withheld to satisfy the minimum statutory tax withholding requirements applicable to the vesting of employee restricted stock[308](index=308&type=chunk) [Item 3: Defaults Upon Senior Securities](index=48&type=section&id=Item%203%3A%20Defaults%20Upon%20Senior%20Securities) The company reports no defaults upon senior securities during the period - None[311](index=311&type=chunk) [Item 4: Mine Safety Disclosures](index=48&type=section&id=Item%204%3A%20Mine%20Safety%20Disclosures) This item is not applicable to the company - Not applicable[313](index=313&type=chunk) [Item 5: Other Information](index=48&type=section&id=Item%205%3A%20Other%20Information) The company reports no other information to disclose for the period - None[315](index=315&type=chunk) [Item 6: Exhibits](index=49&type=section&id=Item%206%3A%20Exhibits) This section lists exhibits filed with the Form 10-Q, including management compensatory plans, CEO and CFO certifications, and XBRL data files - The exhibits filed with this report include CEO and CFO certifications pursuant to the Sarbanes-Oxley Act of 2002 and interactive data files (XBRL)[317](index=317&type=chunk)

| --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | SAFE HARBOR DISCLAIMER Forward-Looking Statements This presentation contains "forward-looking" statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and the Private Securities Litigation Reform Act of 1995. From time to time, we also provide forwar ...

Everi Holdings Inc. (NYSE:EVRI) Q1 2019 Earnings Conference Call May 7, 2019 5:00 PM ET Company Representatives Mike Rumbolz - President, Chief Executive Officer Randy Taylor - Chief Financial Officer Dean Ehrlich - Games Business Leader Darren Simmons - FinTech Business Leader Harper Ko - Chief Legal Officer, General Counsel Mark Labay - Senior Vice President of Finance, Investor Relations Conference Call Participants David Katz - Jefferies Barry Jonas - SunTrust John Davis - Raymond James Brad Boyer - Sti ...