What factors drove the changes in Euronet Worldwide's revenue and profit?

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What guidance did Euronet Worldwide's management provide for the next earnings period?

What were the key takeaways from Euronet Worldwide’s earnings call?

What is the revenue and EPS growth rate for Euronet Worldwide year over year?

What does Euronet Worldwide do and what are its main business segments?

Did Euronet Worldwide beat or miss consensus estimates last quarter?

What is Euronet Worldwide's gross profit margin?

- **Strategic Growth**: 19% EPS expansion via AI, stablecoins, and digital remittance (32% Q3 growth).
- **Resilience**: 85%+ EPS returned vs. peers' 40-50%, $1.2B liquidity for M&A.
- **Global Leadership**: Outperformed U.S.-Mexico remittances by 12%, 5% EFT growth vs. 3.3% Euro tourism.
- **Digital Transformation**: 16% digital txn share, targeting 40%+ through Dandelion bank partnerships.

**【Management Opening Remarks】**
- CEO Mike Brown emphasized 19% year-over-year adjusted EPS growth despite global macroeconomic challenges, citing transient headwinds from immigration policies and economic uncertainty.
- CFO Rick Weller highlighted $1.1B revenue, $195M operating income, and $3.62 EPS, noting 40bps margin expansion driven by cost control and strategic investments.

**【CEO Strategic Initiatives】**
- **Stablecoin & Digital Assets**: Launched partnerships with Fireblocks for blockchain interoperability, targeting Q1 2026 pilots in treasury operations and consumer wallets.
- **AI Integration**: CoreCard acquisition (pending shareholder approval) to expand credit processing, with 7,000+ merchant signings Q3.
- **Global Expansion**: 5% EFT growth in Morocco/Egypt, 33% merchant services growth in Greece, and 32% digital remittance growth.

**【CFO Financial Performance】**
- **Liquidity**: $1.2B cash post $1B bond issuance at 0.625% interest, enabling 85%+ EPS returned via buybacks.
- **Segment Performance**: 
  - EFT: 5% rev growth vs. 3.3% Euro tourism, 33% merchant income
  - Money Transfer: 1% digital growth vs. 12% U.S.-Mexico remittance decline
  - epay: 27% payment processing growth, 70% digital txn penetration

**【Q&A Highlights】**
- **Policy Risks**: Immigration restrictions in 10+ countries slowed remittances, but Ria outperformed market by 12% Q3.
- **Digital Penetration**: 16% digital txn share vs. industry 35%, targeting 40%+ through Dandelion bank partnerships.
- **Economic Resilience**: 85%+ EPS returned to shareholders vs. peers' 40-50%, positioning for 12-16% 2025 EPS growth despite macro headwinds.

Euronet Worldwide, Inc. (EEFT) Q3 2025 Earnings Call Transcript

- **$248M CoreCard Acquisition**: Positions Euronet as a leader in high-margin revolving credit processing, with global expansion plans into Asia and Latin America.
- **Q2 Financial Highlights**: $1.1B revenue, $2.56 EPS, 33% Money Transfer operating income growth, and 29% digital transaction growth.
- **Strategic Wins**: Top 3 U.S. bank Ren deal and Santander partnership highlight digital platform adoption.
- **Share Buybacks**: $247M repurchased in Q2, with continued capital return plans.
- **2025 Guidance**: Maintains 12-16% earnings growth target despite macro challenges.

**【CEO Opening Remarks】**
- Announced the acquisition of CoreCard, a leading credit card processing platform, valued at $248 million in an all-stock transaction. The deal is expected to be EPS accretive in the first full year post-close.
- Highlighted the signing of a significant Ren deal with one of the top 3 U.S. banks, marking a competitive win for the company's digital payments platform.
- Reported constant currency operating income growth of 13% year-over-year for Q2 2025, underscoring the strength of the business despite macro uncertainties.

**【CFO Financial Commentary】**
- Q2 2025 results: Revenue of $1.1 billion, operating income of $159 million, adjusted EBITDA of $206 million, and adjusted EPS of $2.56.
- Money Transfer segment delivered 33% year-over-year operating income growth, driven by volume growth and margin expansion.
- Repurchased $247 million of shares during the quarter, with plans to continue share buybacks to return capital to shareholders.
- Guided to reaffirm 2025 earnings growth expectations of 12% to 16%.

**【Q&A Highlights】**
- **CoreCard Acquisition Risks**: CEO Mike Brown stated that while the Apple Card program (representing ~$20 billion in credit) could transition to another provider in 3-5 years, CoreCard's platform is already being cross-sold to banks and fintechs globally, mitigating concentration risk.
- **EFT Segment Growth**: CFO Rick Weller noted that Q2 EFT growth appeared decelerated due to a tough year-over-year comparison, but Q3 is expected to rebound with digital transaction growth and new partnerships (e.g., Santander, Axis Bank).
- **Money Transfer Resilience**: CEO highlighted 29% digital transaction growth and 20% growth in high-margin digital payout products, with July performance exceeding June levels despite U.S. immigration headwinds.
- **Stablecoin Exploration**: CEO mentioned Ren platform compatibility with blockchain-native transactions and ongoing discussions with partners to facilitate stablecoin transactions.

**【Strategic Initiatives】**
- **CoreCard Global Expansion**: Plans to leverage existing relationships in Asia and Latin America to cross-sell CoreCard's revolving credit platform to banks like ICICI, Axis Bank, and Banco Pichincha.
- **AI Integration**: Using AI to enhance customer experience and operational efficiency across contract generation, compliance, and multilingual communication.
- **Dandelion Wholesale Growth**: Added 20 new partners across 19 countries, including Union Bank (Philippines) and Yape (Peru), with Dandelion now serving 10% of global cross-border remittances.


Euronet Worldwide, Inc. (EEFT) Q2 2025 Earnings Call Transcript

- **Revenue Growth**: Q1 2025 revenue up Y% YoY, driven by [specific drivers].
- **Financial Performance**: Non-GAAP EPS of $X, exceeding expectations by $X.
- **Strategic Focus**: Continued investment in [strategic initiative] with expected results in [timeframe].
- **Guidance**: Q2 2025 targets include [financial metrics] and [strategic goals].

**【Management Opening Remarks】**
- Reported Q1 2025 revenue of $X million, reflecting a Y% year-over-year increase driven by [specific drivers].
- Emphasized commitment to [strategic initiative], with investments in [related areas] expected to yield results in [timeframe].

**【CEO Commentary】**
- Highlighted growth in [specific region/market], attributing success to [product/service expansion].
- Discussed challenges such as [external factors] and outlined mitigation strategies. 

**【CFO Financial Commentary】**
- GAAP net income of $X million, with Non-GAAP EPS of $X, exceeding expectations by $X.
- Operating expenses decreased by Y% YoY due to [cost-saving measures].

**【Q&A Highlights】**
- Analyst inquiries focused on [specific topics], with management reiterating [key messages].
- Guidance for Q2 2025 includes [financial targets] and [strategic priorities].

Euronet Worldwide (EEFT)-24 Apr 25-2025 Q1 Earnings call transcript

- **Record Q4 Performance**: $1B revenue, 12%-16% 2025 EPS guidance, and 33% digital transaction growth highlight strong execution across all segments.
- **Digital Growth Engine**: 54% digital payout volumes, 300%+ merchant acquiring growth, and 14% U.S. outbound remittance expansion drive margin expansion.
- **2025 Confidence**: 12%-16% EPS growth target supported by: 
  - **EFT**: 13% revenue growth from interchange fee increases and ATM-as-a-Service expansion. 
  - **Epay**: 10%+ growth from digital content partnerships and compliance-as-a-service deals. 
  - **Money Transfer**: 9% revenue growth, 33% digital transaction growth, and new partnerships (e.g., Ant Financial, PLS Financial) driving cross-border network expansion to 80%+ of global remittance market.
- **Tax Transparency**: Q1 2025 will see a one-time $0.20-$0.25 EPS tax charge from bond repurchases, but full-year guidance already accounts for this headwind.


**【CFO Financial Highlights】**
- **Q4 2024 Financial Performance**: Revenue of $1 billion, operating income of $123 million, and adjusted EBITDA of $166 million. All segments (EFT, Money Transfer, Epay) achieved double-digit constant currency growth. Adjusted EPS of $2.08 exceeded consensus estimates by $0.02-$0.06.
- **Free Cash Flow & Share Repurchases**: Generated $65 million in free cash flow, repurchased 0.5 million shares, and expects 1%+ EPS benefit from repurchases in future periods.
- **2025 Guidance**: Adjusted EPS growth of 12%-16%, with a $0.20-$0.25 per share tax charge in Q1 due to convertible bond repurchases.

**【CEO Strategic Overview】**
- **30-Year Growth Track Record**: 37% CAGR in revenue, driven by diversification into digital payments, cross-border transactions, and modern technology platforms (Ren, Dandelion, Skylight). ATM revenue now 19% of total (vs. 25% in 2019), while digital transaction growth (33% YoY) and cross-border payout volumes (54% digital) are key growth engines.
- **Segment Growth Drivers**: 
  - **EFT**: 13% revenue growth from interchange fee increases, ATM-as-a-Service expansion, and merchant acquiring (8,000+ POS terminals added Q4). 
  - **Epay**: 10%+ growth from digital content partnerships (e.g., Blizzard, Amazon Pay) and compliance-as-a-service deals. 
  - **Money Transfer**: 9% revenue growth, 33% digital transaction growth, and new partnerships (e.g., Ant Financial, PLS Financial) driving cross-border network expansion to 80%+ of global remittance market.
- **2025 Outlook**: Confident in 12%-16% EPS growth, citing strong pipeline in all segments and minimal macroeconomic sensitivity due to high-margin, recurring revenue model.

**【Q&A Key Takeaways】**
- **Digital Growth Momentum**: Digital transactions (33% YoY) and cross-border payout volumes (54% digital) are outpacing traditional channels. New markets (Mexico, Philippines, Thailand) and partnerships (e.g., HSBC, CBA) are driving Dandelion platform adoption.
- **Tax Impact Transparency**: Q1 2025 will see a one-time $0.20-$0.25 EPS tax charge from bond repurchases, but full-year guidance already accounts for this headwind.
- **Competitive Advantage**: Proprietary technology (Ren, Dandelion) and global network of 50,000+ ATMs, 4.1B bank accounts, and 600,000+ payout locations create significant barriers to entry.


Euronet Worldwide (EEFT)-13 Feb 25-2024 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-24 Oct 24-2024 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-19 Jul 24-2024 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-1 May 24-2024 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-7 Feb 24-2023 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-20 Oct 23-2023 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-3 May 23-2023 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-8 Feb 23-2022 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-21 Oct 22-2022 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-30 Jul 22-2022 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-27 Apr 22-2022 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-10 Feb 22-2021 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-21 Oct 21-2021 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-28 Jul 21-2021 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-30 Apr 21-2021 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-10 Feb 21-2020 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-28 Oct 20-2020 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-29 Jul 20-2020 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-29 Apr 20-2020 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-11 Feb 20-2019 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-23 Oct 19-2019 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-24 Jul 19-2019 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-30 Apr 19-2019 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-8 Feb 19-2018 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-19 Oct 18-2018 Q3 Earnings call transcript

Euronet Worldwide (EEFT)-25 Jul 18-2018 Q2 Earnings call transcript

Euronet Worldwide (EEFT)-25 Apr 18-2018 Q1 Earnings call transcript

Euronet Worldwide (EEFT)-7 Feb 18-2017 Q4 Earnings call transcript

Euronet Worldwide (EEFT)-20 Oct 17-2017 Q3 Earnings call transcript

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