Euronet Worldwide (EEFT) investor relations material

Executive summary

• Achieved 12% adjusted EPS growth to $9.61 for 2025, with Q4 adjusted EPS up 15% to $2.39, despite macroeconomic and immigration headwinds; resilience was supported by digital expansion and business diversification.

• 2025 revenue reached $4.24B, up 6% year-over-year, with Q4 revenue at $1.1B, a 6% increase from Q4 2024.

• Strategic acquisitions (Kyodai, CoreCard, CrediaBank's merchant acquiring) and digital initiatives, including partnerships with major banks and fintechs, drove growth and are expected to support multi-year expansion.

• $20.4M restructuring charge in Money Transfer segment aimed at future digital growth and margin improvement.

Financial highlights

• Q4 2025 adjusted EPS was $2.39, up 15% year-over-year; full-year adjusted EPS was $9.61, up 12%.

• Full-year 2025 revenue was $4.24B (+6% YoY), adjusted operating income $550M (+9% YoY), and adjusted EBITDA $743.7M (+10% YoY).

• Q4 adjusted EBITDA was $174.3M (+5% YoY); Q4 adjusted operating income was $121.6M, down 1% YoY.

• Consolidated operating margins expanded by 30 basis points year-over-year.

Outlook and guidance

• Double-digit adjusted EPS growth of 10%-15% is projected for 2026, supported by digital initiatives, cost actions, and business momentum.

• Money Transfer segment margins expected to improve by 50–75 basis points in 2026 from restructuring.

• Free cash flow is expected to improve in line with earnings growth, with disciplined capital deployment toward digital investments and share repurchases.