Euronet Worldwide(EEFT) - 2025 Q3 - Earnings Call Presentation

Financial Performance - Euronet's Q3 2025 adjusted EPS reached $3.62, a 19% increase compared to $3.03 in Q3 2024[14] - Revenue increased by 4% to $1.1 billion from $1,099.3 million in Q3 2024, or 1% on a constant currency basis[16, 18] - Adjusted EBITDA grew by 8% to $244.6 million from $225.7 million in Q3 2024, or 4% on a constant currency basis[19] - Operating income increased by 7% to $195.0 million from $182.2 million in Q3 2024, or 2% on a constant currency basis[20] Segment Performance (As Reported) - EFT Processing revenue increased by 10% from $373.0 million to $409.4 million[22] - epay revenue decreased by 1% from $290.3 million to $286.5 million[22] - Money Transfer revenue increased by 3% from $438.2 million to $452.4 million[22] Balance Sheet - Unrestricted cash decreased from $1,329.3 million on June 30, 2025, to $1,172.5 million on September 30, 2025[27] - Total debt decreased from $2,438.1 million on June 30, 2025, to $2,305.3 million on September 30, 2025[27] Strategic Initiatives - Euronet closed a $1 billion convertible bond offering[35] - Euronet signed Citi as a new Dandelion customer and launched Commonwealth Bank of Australia[35]