Euronet Worldwide, Inc. · NASDAQ:EEFT
Euronet Worldwide — Q2 2026 Earnings Presentation
20 slides from Euronet Worldwide's earnings presentation, Jul 30, 2026
Slide 1: Second Quarter 2026 Results
Second Quarter 2026 Results Michael J. Brown | Chairman & CEO Rick L. Weller | EVP & CFO July 30, 2026 1
Slide 2: Forward Looking Statements
Forward Looking Statements Statements contained in this presentation that concern Euronet's or its management's intentions, expectations, or predictions of future performance, are forward-looking statements. Euronet's actual results may vary materially from those anticipated in such forward-looking
Slide 3: Defined Terms
Defined Terms Unless specifically noted otherwise within this presentation, the following terms are hereby defined as follows: Constant currency measures are computed as if foreign currency exchange rates did not change from the prior period. This information is provided to illustrate the impact of
Slide 4: Second Quarter Overview
Second ▪ Adjusted EPS grew 10% on a year-over-year basis Quarter ▪ Digital accelerator revenue grew 31% in the second quarter and 35% year-to-date Overview ▪ Signed CoreCard credit card processing agreement with Unibanca, one of Peru’s leading bank processors ▪ Repurchased ~705,000 shares for $50 mi
Slide 5: Digital Accelerators Driving Revenue Mix Shift
Digital Accelerators Driving Revenue Mix Shift DigitalAcceleratorsDrivingRevenueMixShift Q2 2026 Projected Payment Channel 2025 YTD Revenue Growth (CAGR) 18% 21% 17% 24% 26% 2026 2026 35% 27% Guidance YTD 24% Digital 18% Accelerators 23% 35% 16% 37% 25% 31% Retail – 5% 9% Card Paid Retail Cash Paid
Slide 6: Payments Infrastructure
Payments Infrastructure Second Quarter 2026 Highlights ▪ Added 4,200 new merchants in Greece Payment Processing ▪ Launched merchant acquiring referral Services program with CrediaBank ▪ Signed credit card processing Merchant Services agreement with Upgrade, a U.S.-based neo-bank ▪ Signed credit card
Slide 7: epay
epay Second Quarter 2026 Highlights ▪ Expanded Visa and MasterCard acquiring to all dm stores in Europe Retail and Digital Distribution of ▪ Signed European distribution agreement with Branded Payments Capcom, a Tier-1 game publisher in Japan ▪ Launched Berndorf Knife POS promotion with Coop Switzer
Slide 8: Cross-Border Payments
Cross-Border Payments Second Quarter 2026 Highlights ▪ Ria Digital revenue and transactions Retail and Digital grew 35% and 33%, respectively Remittances and FX Payments ▪ Signed MasterCard Move and five additional Dandelion partners Wholesale Distribution for ▪ Signed agreement with Uber to integra
Slide 9: Financial Highlights
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Slide 10: Financial Highlights
Financial Highlights $2.82 $1.11B Adjusted Earnings Per Share Revenue 3% increase from $1.07 billion for Q2 2025. 10% increase from $2.56 for Q2 2025. 2% increase on a constant currency basis. $192.8M $137.1M Adjusted EBITDA Operating Income 6% decrease from $206.2 million for Q2 2025. 14% decrease
Slide 11: Financial Highlights: Same Quarter Prior Year Comparison, As Reported
Financial Highlights Revenue Operating Income Adjusted EBITDA USD (in millions) Q2 2025 Q2 2026 Q2 2025 Q2 2026 Q2 2025 Q2 2026 Same Quarter Payments Infrastructure $ 338.5 $ 377.1 $ 84.6 $ 86.1 $ 110.6 $ 117.9 Prior Year % Change 11% 2% 7% Comparison epay 280.1 294.0 31.1 32.8 32.8 34.4 % Change 5%
Slide 12: Financial Highlights: Same Quarter Prior Year Comparison, Constant Currency
Financial Highlights USD (in millions) Revenue Operating Income Adjusted EBITDA Q2 2025 Q2 2026* Q2 2025 Q2 2026* Q2 2025 Q2 2026* Same Quarter Payments Infrastructure $ 338.5 $ 373.3 $ 84.6 $ 86.1 $ 110.6 $ 117.5 Prior Year % Change 10% 2% 6% epay 280.1 290.3 31.1 32.8 32.8 34.3 Comparison % Change
Slide 13: Financial Highlights: Balance Sheet
Financial USD (in millions) 3/31/2026 6/30/2026 Highlights Unrestricted Cash $1,229.5 $1,196.7 Balance Sheet ATM Cash $871.2 $987.2 Settlement Assets $1,381.4 $1,425.3 Total Assets $6,332.0 $6,493.1 Total Debt $2,556.2 $2,654.0 Total Debt to Trailing Twelve Month Adjusted EBITDA Multiple 3.5x 3.7x N
Slide 14: Final Thoughts and Looking Ahead
Final Thoughts and Looking Ahead Increasing digital accelerator momentum, growing 1 31% year-over-year and 35% year-to-date and increasingly shaping the future of Euronet Our core platforms are scaling globally, supported by 2 long-term infrastructure agreements, expanding networks and continued dig
Slide 15: Appendix
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Slide 16: Reconciliation of Net Income to Operating Income and Adjusted EBITDA
Reconciliation of Net Income to Operating Income (Expense) Payments Cross-Border Corporate and Adjusted Infrastructure epay Payments Services Consolidated EBITDA Net income $ 77.6 Add: Income tax expense 46.7 Add: Total other expense, net 12.8 (unaudited -in millions) Operating income (expense) 86.1
Slide 17: Reconciliation of Net Income to Operating Income and Adjusted EBITDA
Reconciliation of Net Income to Operating Income Payments Cross-Border Corporate (Expense) Infrastructure epay Payments Services Consolidated and Adjusted Net income $ 97.7 EBITDA Add: Income tax expense 33.6 Add: Total other expense, net 27.3 (unaudited -in millions) Operating income (expense) 84.6
Slide 18: Reconciliation of Revenue and Adjusted EBITDA to Constant Currency
Reconciliation of Revenue and Payments Cross-Border Corporate Adjusted Infrastructure epay Payments Services Consolidated EBITDA to Revenue $ 377.1 $ 294.0 $ 439.6 $ (2.3) $ 1,108.4 Constant Add: Estimated foreign currency impact (3.8) (3.7) (6.7) - (14.2) Currency Revenue - Constant Currency $ 373.
Slide 19: Reconciliation of Adjusted Earnings per Share
Reconciliation of Adjusted 2026 2025 Earnings per Share Net income attributable to Euronet Worldwide, Inc. Foreign currency exchange loss $ 77.4 0.2 $ 97.6 5.7 Intangible asset amortization 9.6 4.7 Share-based compensation 15.7 13.8 (unaudited - in millions, Income tax effect of above adjustments 7.
Slide 20: Thank you
| he ee -uronet. Thank you