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- **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

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

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Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

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Income Tax Expense

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Net Income from Continuing Operations

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Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

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Other Comprehensive Income

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Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

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Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

EEFT

EEFT fundamentals

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