Euronet Worldwide, Inc. · NASDAQ:EEFT
Euronet Worldwide — Q1 2026 Earnings Presentation
19 slides from Euronet Worldwide's earnings presentation, Apr 29, 2026
Slide 1: First Quarter 2026 Financial Results
First Quarter 2026 Financial Results Michael J. Brown | Chairman & CEO Rick L. Weller | EVP & CFO Euronet | www.euronet.com 1
Slide 2: Forward Looking Statements
Forward Looking Statements Statements contained in this news release 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: First Quarter Overview
First Quarter Overview • Adjusted EPS grew 19% on a year-over-year basis • Money Transfer digital revenue and transactions grew 42% and 35% year-over-year, respectively • Launched Bilt, a credit card that earns rewards on rent payments, on the CoreCard processing platform • Signed three EFT banking
Slide 5: Segments | Electronic Funds Transfer (EFT)
Segments | Electronic Funds Transfer (EFT) PRODUCTS AND SERVICES FIRST QUARTER 2026 HIGHLIGHTS Banking Infrastructure • Implemented banking infrastructure agreement with bank99 in Austria Payments Infrastructure • Signed banking infrastructure agreement with Merchant Services UniCredit Bank In Polan
Slide 6: Segments | epay
Segments | epay PRODUCTS AND SERVICES FIRST QUARTER 2026 HIGHLIGHTS • Expanded digital content distribution with Retail and Digital Distribution of Prepaid Credits Revolut to Brazil and Mexico and Branded Payments • Signed and launched Apple gift cards for Payments Processing distribution through Co
Slide 7: Segments | Money Transfer
Segments | Money Transfer PRODUCTS AND SERVICES FIRST QUARTER 2026 HIGHLIGHTS Retail and Digital Remittances and FX Payments • Ria Digital transactions grew 35%, new customers grew 42% Wholesale Distribution for Fintechs and Banks • Launched real-time payment services in nine Digital Foreign Exchang
Slide 8: Financial Highlights
Financial Highlights Euronet | www.euronet.com 8
Slide 9: Financial Highlights | First Quarter 2026
Financial Highlights | First Quarter 2026 $1.58 $1.0B Adjusted Earnings Per Share Revenue 40% increase from $1.13 for Q1 2025. 11% increase from $915.5 million for Q1 2025. 4% increase on a constant currency basis. $126.7M $72.1M Adjusted EBITDA Operating Income 7% increase from $118.7 million for Q
Slide 10: Financial Highlights | Same Quarter Prior Year Comparison, As Reported
Financial Highlights | First Quarter 2026 Same Quarter Prior Year Comparison | As Reported Revenue Operating Income Adjusted EBITDA USD (in millions) Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 EFT Processing $ 232.5 $ 295.4 23.3 23.4 $ 47.6 $ 55.2 % Change 27% 0% 16% epay 267.4 293.5 26.8 32.4
Slide 11: Financial Highlights | Same Quarter Prior Year Comparison, Constant Currency
Financial Highlights | First Quarter 2026 Same Quarter Prior Year Comparison | Constant Currency Revenue Operating Income Adjusted EBITDA USD (in millions) Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 EFT Processing $ 232.5 $ 277.8 $ 23.3 $ 23.5 $ 47.6 $ 53.4 % Change 19% 1% 12% epay 267.4 273.6
Slide 12: Financial Highlights | Balance Sheet
Financial Highlights | Balance Sheet USD (in millions) 12/31/2025 3/31/2026 Unrestricted Cash $1,040.3 $1,229.5 ATM Cash $650.3 $871.2 Settlement Assets $1,910.4 $1,381.4 Total Assets $6,488.7 $6,332.0 Total Debt $2,021.8 $2,556.2 Total Debt to Trailing Twelve Month Adjusted EBITDA Multiple 2.7x 3.5
Slide 13: Q1 2026 | Final Thoughts and Looking Ahead
Q1 2026 |Final Thoughts and Looking Ahead • A solid start to the year, delivering earnings • We continue to invest with discipline, balancing growth and continued progress against our organic growth, innovation and selective M&A strategic priorities despite a complex macro while returning capital to
Slide 14: Appendix
Appendix Euronet | www.euronetworldwide.com 14
Slide 15: Reconciliation of Net Income to Operating Income and Adjusted EBITDA
Reconciliation of Net Income to Operating Income (Expense) and Adjusted EBITDA Three months ended March 31, 2026 EFT Money Corporate Processing epay Transfer Services Consolidated Net income $ 37.3 Add: Income tax expense 29.0 Add: Total other expense, net 5.7 Operating income (expense) 23.4 32.4 41
Slide 16: Reconciliation of Net Income to Operating Income and Adjusted EBITDA
Reconciliation of Net Income to Operating Income to and Adjusted EBITDA Three months ended March 31, 2025 EFT Money Corporate Processing epay Transfer Services Consolidated Net income $ 38.4 Add: Income tax expense 7.1 Add: Total other expense, net 29.7 Operating income (expense) 23.3 26.8 45.1 (20.
Slide 17: Reconciliation of Revenue and Adjusted EBITDA to Constant Currency Amounts by Segment
Reconciliation of Revenue and Adjusted EBITDA to Constant Currency Amounts by Segment Three months ended ended March 31, 2026 EFT Money Corporate Processing epay Transfer Services Consolidated Revenue $ 295.4 $ 293.5 $ 425.2 $ (2.3) $ 1,011.8 Add: Estimated foreign currency impact (17.6) (19.9) (22.
Slide 18: Reconciliation of Adjusted Earnings per Share
Reconciliation of Adjusted Earnings per Share (unaudited - in millions, except share and per share data) Three Months Ended March 31, 2026 2025 Net income attributable to Euronet Worldwide, Inc. $ 37.5 $ 38.4 Foreign currency exchange (gain) loss (8.4) 18.1 Intangible asset amortization 9.5 4.5 Shar
Slide 19: Thank you
Thank you Euronet | www.euronet.com 19