EURONET WORLDWIDE, INC.

Listed Company

EEFTCIK 0001029199NasdaqLarge AcceleratedFunctions Related To Depository Banking, NecDelawareFY ends Dec 31

Period

FY 2025

Revenue

$4.24B

Net Income

$309.50M

Total Assets

$6.49B

Equity

$1.31B

Shares Out

39.33M

Op. Cash Flow

$559.80M

Business

Euronet Worldwide, Inc. provides electronic payment and transaction processing solutions for financial institutions, retailers, service providers and consumers through a global payments network and technology platforms. It offers ATM and POS deployment and management, card issuing and processing, dynamic currency conversion, prepaid and digital content distribution, software solutions including the Ren payments platform, and global money transfer and foreign exchange services under brands such as Ria, Xe and Dandelion. The company operates three segments: EFT (ATMs/POS and processing), epay (retail prepaid and digital content) and Money Transfer (remittances, Xe, Dandelion). Euronet serves markets worldwide across Europe, the Americas, Asia Pacific, the Middle East and Africa via ATMs, POS terminals, retail and agent networks, company stores, websites and mobile apps.

Summary from filing dated 2025-02-25

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Revenues	4,244	3,990	3,688	3,359	2,996
Direct operating costs	2,491	2,389	2,223	2,018	1,900
Contract asset impairment	200,000	—	—	—	—
Salaries and benefits	713	650	603	534	485
Selling, general and administrative	372	315	297	285	252
Depreciation and amortization	139	132	133	136	136
Total operating expenses	3,714	3,487	3,255	2,973	2,812
Operating income	530	503	433	385	184
Interest income	23	24	15	2	700,000
Interest expense	−85	−81	−56	−38	—
Foreign currency exchange (loss) gains, net	−25	−19	8	−28	−11
Other gains, net	5	22	200,000	900,000	—
Other income (expense), net	−82	−54	−32	−63	−48
Income before income taxes	448	449	400	323	136
Income tax expense	−135	−143	−121	−92	−65
Net income	313	306	280	231	71
Net loss attributable to noncontrolling interests	−4	−300,000	200,000	300,000	200,000
Net income attributable to Euronet Worldwide, Inc.	310	306	280	231	71
Basic (per share)	7.4	6.82	5.77	4.6	1.34
Diluted (per share)	6.84	6.45	5.5	4.41	1.32
Basic (shares)	42	45	48	50	53
Diluted (shares)	46	48	52	53	54

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	1,040	1,279	1,254	1,131	1,261
ATM cash	650	644	525	516	543
Restricted cash	23	9	15	7	4
Settlement assets	1,910	1,523	1,682	1,443	1,102
Trade accounts receivable, net of credit loss allowance of $8.2 and $4.2	335	285	371	271	203
Prepaid expenses and other current assets	312	297	316	359	195
Total current assets	4,270	4,037	4,163	3,727	3,308
Right-of-use assets operating leases, net of amortization	154	132	143	150	161
Property and equipment, net of accumulated depreciation of $702.7 and $589.6	375	330	332	337	345
Goodwill	1,042	859	848	828	642
Acquired intangible assets, net of accumulated amortization of $266.4 and $226.5	261	189	168	188	98
Other assets, net of accumulated amortization of $96.9 and $82.6	298	227	182	174	190
Convertible notes receivable	88	61	60	—	—
Total assets	6,489	5,835	5,894	5,404	4,744
Settlement obligations	1,910	1,523	1,682	1,443	1,102
Trade accounts payable	269	224	241	222	194
Accrued expenses and other current liabilities	495	476	439	506	368
Current portion of operating lease obligations	55	48	50	50	52
Short-term debt obligations and current maturities of long-term debt obligations	983	813	150	100,000	821,000
Income taxes payable	83	86	82	68	59
Deferred revenue	60	56	57	65	77
Total current liabilities	3,855	3,226	2,701	2,354	1,853
Debt obligations, net of current portion	1,038	1,134	1,715	1,609	1,420
Operating lease obligations, net of current portion	101	87	96	103	111
Deferred income taxes	78	72	47	28	47
Other long-term liabilities	95	86	86	65	58
Total liabilities	5,166	4,605	4,645	4,159	3,489
Preferred Stock, $0.02 par value. 10,000,000 shares authorized; none issued	—	—	—	—	—
Common Stock, $0.02 par value. 90,000,000 shares authorized; shares issued 67,536,344 and 64,788,755	1	1	1	1	1
Additional paid-in capital	1,550	1,370	1,312	1,252	1,274
Treasury stock, at cost, shares issued 28,304,344 and 21,061,140	−2,425	−1,755	−1,488	−1,106	−931
Retained earnings	2,243	1,934	1,628	1,348	1,084
Accumulated other comprehensive loss	−62	−322	−203	−251	−173
Total Euronet Worldwide, Inc. stockholders' equity	1,308	1,229	1,250	1,245	1,255
Noncontrolling interests	15	500,000	−200,000	−200,000	43,000
Total equity	1,323	1,229	1,250	1,244	1,256
Total liabilities and equity	6,489	5,835	5,894	5,404	4,744

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	139	132	133	136	136
Share-based compensation	55	44	54	44	37
Unrealized foreign exchange loss (gain), net	25	19	−8	28	11
Deferred income taxes	−24	19	14	8	−2
Receivable write down	−3	—	—	—	—
Amortization of debt issuance costs	5	4	4	—	—
Income taxes payable, net	−11	10	12	11	24
Trade accounts receivable, including amounts in settlement assets	−128	270	−191	−299	−108
Prepaid expenses and other current assets, including amounts in settlement assets	−77	35	42	−193	94
Trade accounts payable, including amounts in settlement obligations	242	−54	54	178	−33
Deferred revenue	−4	1	−10	−8	8
Accrued expenses and other current liabilities, including amounts in settlement obligations	52	−7	239	608	93
Changes in non-current assets and liabilities	−25	−47	22	1	58
Other, net	400,000	—	—	—	—
Net cash provided by operating activities	560	733	643	748	406
Acquisitions, net of cash acquired	24	−92	−1	−343	—
Purchases of property and equipment and proceeds from sale property and equipment	−126	−117	−94	−104	−92
Issuance of Convertible Notes Receivable	−25	—	−60	—	—
Purchases of other long-term assets	−14	−15	−9	−8	−8
Other, net	2	100,000	7	1	2
Net cash used in investing activities	−139	−223	−158	−454	−98
Proceeds from issuance of shares	9	17	8	9	11
Repurchase of shares	−668	−269	−378	−176	−230
Borrowings from revolving credit agreements	9,159	7,971	7,926	7,905	5,074
Repayments of revolving credit agreements	−9,656	−7,988	−7,394	−7,733	−5,061
Net borrowings (repayments) from short-term debt obligations	−18	137	−303	1	100,000
Proceeds from issuance convertible senior notes	1,000	—	—	—	—
Repayment of convertible senior notes	−492	—	—	—	—
Repayment of capital lease obligations	−1	—	—	—	—
Proceeds received from minority interest stockholders	900,000	—	—	—	—
Capped call	−100	—	—	—	—
Debt issuance costs	−24	−3	—	−3	—
Other, net	200,000	−2	−2	−4	−6
Net cash used in financing activities	−789	−136	−143	−1	−212
Effect of exchange rate changes on cash and cash equivalents and restricted cash	242	−133	−86	−389	−110
Increase (decrease) in cash and cash equivalents and restricted cash	−125	241	256	−95	−13
Interest paid during the period	70	78	53	29	19
Income taxes paid during the period	153	109	95	86	49

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro