Every material Form 8-K Euronet Worldwide has filed with the SEC since June 10, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Euronet reported third quarter 2026 results, with revenue up 1% to $1,161.1 million but operating income down 12% to $171.6 million and diluted EPS of $2.53, versus $2.75 a year earlier. The company revised its 2026 outlook to about $4.375 billion of revenue, about $725 million of Adjusted EBITDA and adjusted EPS growth of about 10%, citing immigration-related pressure in Cross-Border Payments and broader economic factors.
Revenue of $1,161.1 million, up 1% from $1,145.7 million; Cross-Border Payments revenue fell 5% to $431.0 million.
Operating income of $171.6 million, down 12% from $195.0 million; adjusted EPS of $3.55, down 2% from $3.62.
Revised 2026 outlook: about $4.375 billion revenue, about $725 million Adjusted EBITDA, and adjusted EPS growth of about 10%.
Repurchased $50 million of common stock during the quarter; total indebtedness was $2,177.3 million at September 30, 2026, down from $2,654.0 million at June 30, 2026.
Euronet reported second quarter 2026 results on July 30, 2026. Revenue rose 3% to $1.1 billion, but operating income fell 14% to $137.1 million and diluted EPS fell to $1.71 from $2.27, while adjusted EPS rose 10% to $2.82. The company reiterated its 2026 adjusted EPS growth outlook of 10% to 15%, and the Cross-Border Payments segment's operating income fell 34%.
Revenue of $1,108.4 million, up 3% from $1,074.3 million; operating income of $137.1 million, down 14% from $158.6 million.
Diluted EPS of $1.71 versus $2.27 a year earlier; adjusted EPS of $2.82, up 10% from $2.56.
Cross-Border Payments operating income fell 34% to $43.3 million, while Payments Infrastructure revenue rose 11% to $377.1 million.
Full-year 2026 adjusted EPS growth outlook of 10% to 15% reiterated; $50 million of common stock repurchased in the quarter.
Euronet reported first quarter 2026 revenue of $1,011.8 million, up 11% from a year earlier, while operating income fell 4% to $72.0 million and GAAP diluted EPS was $0.83 versus $0.85. Adjusted EPS rose 40% to $1.58, but the company's non-GAAP measure excludes items such as share-based compensation and intangible amortization, and the company reiterated its 2026 adjusted EPS growth outlook of 10% to 15%.
Revenue of $1,011.8 million, up 11% from $915.5 million; up 4% on a constant currency basis
Operating income of $72.0 million, down 4% from $75.2 million; net income attributable to Euronet of $37.5 million versus $38.4 million
Adjusted EPS of $1.58, up 40% from $1.13; excluding a one-time $0.20 per share prior-year tax charge, up 19% from $1.33
2026 adjusted EPS growth outlook of 10% to 15% reiterated; total indebtedness rose to $2,556.2 million from $2,021.8 million at year-end 2025
Euronet Worldwide disclosed that board member Andrzej Olechowski died on April 25, 2026, at age 78. He was a nominee for re-election at the 2026 annual meeting, and the board has reduced the number of nominees for that meeting. The filing does not describe any change to financial results or operations.
Andrzej Olechowski, a director since May 2002, died April 25, 2026, at age 78.
He was no longer standing for re-election; the board reduced the number of nominees for the 2026 Annual Meeting.
The company issued a press release on April 28, 2026 (Exhibit 99.1), with a statement from CEO Michael J. Brown.
Euronet reported fourth quarter and full-year 2025 results on February 12, 2026. Q4 revenue rose 6% to $1,108.7 million, but operating income fell 18% to $101.0 million after a $20.4 million Money Transfer restructuring charge, and full-year adjusted EPS rose 12% to $9.61. The company expects 2026 adjusted earnings growth of 10% to 15%, excluding currency, interest rate and other unforeseen factors.
Q4 2025 net income attributable to Euronet was $51.5 million, or $1.08 diluted EPS, versus $0.98 a year earlier; adjusted EPS was $2.39, up 15% from $2.08.
Full-year 2025 revenue was $4,244.2 million, up 6%, and full-year net income attributable to Euronet was $309.5 million, or $6.84 diluted EPS.
Money Transfer Q4 operating income fell 36% to $37.2 million, including the $20.4 million restructuring charge; adjusted operating income was $121.6 million, down 1%.
Euronet guided to 10% to 15% adjusted earnings growth in 2026 and agreed to acquire CrediaBank's merchant acquiring business, with closing expected in the second half of 2026.
Euronet reported third quarter 2025 results on October 22, 2025, with revenue up 4% year over year to $1,145.7 million. GAAP diluted earnings per share fell to $2.75 from $3.21, while adjusted EPS rose 19% to $3.62, a non-GAAP measure. The company said it expects 2025 adjusted EPS growth of 12% to 16%, consistent with its prior range.
Revenue of $1,145.7 million, up 4% from $1,099.3 million (up 1% on a constant currency basis)
Net income attributable to Euronet of $122.0 million, or $2.75 diluted EPS, versus $151.5 million, or $3.21, a year earlier
Adjusted EPS of $3.62, up 19% from $3.03
2025 adjusted EPS growth outlook of 12% to 16% year over year; $1.0 billion convertible notes offering completed in the third quarter
Euronet Worldwide completed a private offering of $1.0 billion in 0.625% convertible senior notes due October 1, 2030, on August 15, 2025, including $150.0 million from the full exercise of the initial purchasers' option. Net proceeds were approximately $976.4 million, used to repay revolving credit facility borrowings, pay for capped call transactions, and repurchase Common Stock concurrently with the pricing of the notes, which adds significant debt while the convertible structure could dilute shareholders if converted into shares.
Aggregate principal of $1.0 billion, including $150.0 million from the option exercised in full by the initial purchasers
Notes bear 0.625% annual interest, payable April 1 and October 1, starting April 1, 2026, and mature October 1, 2030
Initial conversion price of approximately $127.04 per share, a premium of about 30% to the August 13, 2025 closing price on Nasdaq
Net proceeds of approximately $976.4 million; the company used $99.8 million of cash for capped calls and $131.3 million of cash to repurchase shares
Euronet Worldwide agreed on July 30, 2025 to acquire CoreCard Corporation in a stock-for-stock merger that values CoreCard at approximately $248 million, or $30 per share. CoreCard shareholders would receive Euronet shares under an exchange ratio that moves between 0.2783 and 0.3142 depending on Euronet's stock price, and the deal requires CoreCard shareholder approval and regulatory clearance, with closing expected in late 2025.
Merger consideration is $30 per CoreCard share, paid in Euronet common stock using an exchange ratio of 0.2783 to 0.3142.
Exchange ratio is fixed at 0.3142 if Euronet's stock price is at or below $95.48 and 0.2783 if it is at or above $107.80.
CoreCard would pay Euronet a $7.5 million termination fee under specified circumstances.
Outside Date is January 30, 2026, subject to two automatic three-month extensions in certain cases.
Euronet reported second-quarter 2025 results for the period ended June 30, 2025. Revenue rose 9% to $1,074.3 million and operating income rose 18% to $158.6 million, while diluted EPS was $2.27 versus $1.73 a year earlier and adjusted EPS rose 14% to $2.56. The company expects 2025 adjusted EPS to grow 12% to 16%, and the release references a merger agreement with CoreCard dated July 30, 2025.
Revenue of $1,074.3 million, up 9% from $986.2 million (6% on a constant currency basis)
Operating income of $158.6 million, up 18% from $134.3 million
Diluted EPS of $2.27 versus $1.73; adjusted EPS of $2.56 versus $2.25
2025 outlook calls for adjusted EPS growth of 12% to 16%; Agreement and Plan of Merger with CoreCard dated July 30, 2025
Euronet Worldwide reported first quarter 2025 results on April 23, 2025, with revenue of $915.5 million, up 7%, and operating income of $75.2 million, up 18%. Reported diluted EPS rose to $0.85 from $0.55, but adjusted EPS fell to $1.13 from $1.28, which the company says includes a one-time operating tax charge of $0.20 per share. Management reaffirmed its full-year expectation of 12% to 16% earnings growth.
Revenue of $915.5 million, up 7% from $857.0 million; operating income of $75.2 million, up 18% from $64.0 million
Diluted EPS of $0.85 versus $0.55 a year earlier; adjusted EPS of $1.13 versus $1.28, or $1.33 excluding a $0.20 one-time operating tax charge
Repurchased 0.6 million shares for $59.6 million and $492 million of convertible notes during the quarter
Management reaffirmed expected full-year earnings growth of 12% to 16%
Euronet reported fourth quarter 2024 revenue of $1,047.3 million, up 9%, and operating income of $122.7 million, up 26%. Adjusted EPS rose 10% to $2.08, but GAAP diluted EPS fell to $0.98 from $1.43, with a $35.5 million foreign currency loss in the quarter compared with an $11.6 million gain a year earlier. The company also expects 2025 adjusted EPS to grow 12% to 16%.
Q4 2024 revenue $1,047.3 million, up 9% from $957.7 million
Q4 2024 GAAP diluted EPS $0.98 vs. $1.43; adjusted EPS $2.08, up 10%
Q4 foreign currency exchange loss of $35.5 million vs. $11.6 million gain in Q4 2023
2025 outlook: adjusted EPS to grow 12% to 16% year-over-year
Euronet Worldwide amended its unsecured revolving credit facility on December 17, 2024, raising it from $1.25 billion to $1.9 billion and extending the maturity five years to December 17, 2029. The company said other terms remain substantially the same, and the amendment removes the credit spread adjustment on SOFR and SONIA borrowings, which affects the cost of those loans.
Facility increased from $1.25 billion to $1.9 billion, with a syndicate of domestic and international financial institutions
Maturity extended from December 17, 2024 to December 17, 2029
Multi-currency borrowing tranche of $1.685 billion and USD borrowing tranche of $215 million
Covenants include a Consolidated Total Leverage Ratio of 3.5 to 1.0 to 4.5 to 1.0 and a Consolidated Interest Coverage Ratio of at least 3.0 to 1.0
Euronet Worldwide's board increased its size from ten to eleven directors and appointed Brad Sprong effective December 4, 2024. Mr. Sprong recently retired from a 38-year career at KPMG, where he was most recently Managing Partner of the National Private Enterprise division, and the company says his financial experience will add to the board's skill sets.
Board appointment of Brad Sprong effective December 4, 2024; board size increased from 10 to 11 directors
Mr. Sprong will initially not serve on any board committee
He will receive the company's standard non-employee director compensation and director indemnification agreement
Previously spent 38 years at KPMG, most recently as Managing Partner, National Private Enterprise division
Euronet reported third-quarter 2024 revenue of $1,099.3 million, up 9% from a year earlier, and diluted GAAP EPS of $3.21 versus $2.05. Adjusted EPS rose 11% to $3.03, and the company reaffirmed its 2024 adjusted EPS growth outlook of 10% to 15%, with 10% to 15% growth also expected in 2025, which matters to shareholders because it signals continued earnings growth.
Revenue $1,099.3 million, up 9% from $1,004.0 million; operating income $182.2 million, up 9%
Diluted GAAP EPS $3.21 versus $2.05; adjusted EPS $3.03 versus $2.72, up 11%
2024 adjusted EPS growth outlook of 10% to 15% reaffirmed; 2025 expected in the 10% to 15% range
Company repurchased 1 million shares for $101.3 million in the quarter
Euronet Worldwide reported second quarter 2024 results in a July 18, 2024 press release furnished under Item 2.02. Revenue rose 5% to $986.2 million and adjusted EPS rose 11% to $2.25, while GAAP diluted EPS was $1.73 versus $1.65. The company reaffirmed its expectation that 2024 adjusted EPS will grow 10% to 15% year over year.
Revenue of $986.2 million versus $939.1 million a year earlier, up 5% (6% on a constant currency basis).
Operating income of $134.3 million, up 10% from $122.6 million.
Adjusted EPS of $2.25 versus $2.03; GAAP diluted EPS of $1.73 versus $1.65.
2024 adjusted EPS growth outlook of 10% to 15% reaffirmed; the company repurchased one million shares for $114 million in the quarter.
Euronet Worldwide's board increased its size from nine to ten directors and appointed Sergi Herrero effective June 4, 2024. Mr. Herrero will initially serve on no board committees, and the company disclosed the appointment in a June 10, 2024 press release.
Board appointment of Sergi Herrero effective June 4, 2024
Board size increased from nine to ten directors
Herrero is CEO of Merchan-E and was Meta's Global Director of Payments and Commerce from 2016 to 2019
Herrero will receive the standard non-employee director compensation and indemnification agreement
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