Euronet (EEFT) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, February 12, 2026 astatine 10:30 AM CST 43 min read

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Thursday, Feb. 12, 2026 astatine 9:00 a.m. ET

• Chairman & Chief Executive Officer — Michael J. Brown

• Chief Financial Officer — Rick L. Weller

• Chief Operating Officer — Gustavo Andre Gala

Michael J. Brown. Thank you, and bully morning, everyone, and convey you for joining america today. Our 4th fourth 2025 results bespeak 1 of the much challenging operating environments that we person faced successful immoderate time. Immigration argumentation uncertainty and economical stress, particularly amongst lower-income consumers, weighed connected maturation crossed each 3 segments with the astir pronounced interaction connected Money Transfer and epay. That said, contempt the outer headwinds that pressured the quarter, we stay excited astir maturation initiatives underway crossed each our segments that volition thrust concern momentum done 2026. We volition sermon these items successful item passim this call.

Further, we stay assured successful our competitory position, peculiarly successful Money Transfer wherever underlying trends proceed to outperform broader market

Operator: dynamics.

Michael J. Brown: I would beryllium remiss not to item the resiliency of our EFT segment, which delivered coagulated maturation and erstwhile again demonstrated its relation arsenic a stabilizing net engine. This concern continues to germinate beyond its humanities reliance connected ATM ownership with an expanding absorption connected outgo infrastructure and merchant acquiring. Stepping backmost and looking astatine full-year results, contempt a hard operating backdrop, I americium arrogant to accidental that we delivered different twelvemonth of double-digit EPS maturation accordant with our past arsenic a publically held company. Looking up to 2026, we expect to proceed that show with adjusted EPS maturation successful the 10% to 15% range.

Based connected our way grounds and the investments we person made, we are present assured successful our quality to present different twelvemonth of double-digit net growth. Next slide, please. In periods of uncertainty, I judge that past does matter, and this illustration connected descent 5 shows our quality to consistently present top-line maturation twelvemonth implicit year. Euronet Worldwide, Inc. has much than 3 decades of acquisition successful dealing with assorted economical cycles. We person navigated the economical downturn successful 2008 and 2009, demonetization successful India, the economical instability successful Greece, 1 of our largest EFT markets, and, of course, we navigated COVID, conscionable to sanction a few.

In each of these periods, the diverseness and durability of our earnings, our blimpish equilibrium expanse management, stock repurchases, and thoughtful concern successful maturation initiatives allowed america not lone to withstand the pressure, but to look stronger, much agile, and with greater marketplace share. You volition spot these themes look arsenic Rick and I speech you done the details of the quarter. In short, we bash not presumption near-term uncertainty arsenic a crushed to set our semipermanent strategy. Instead, we trust connected the aforesaid principles that person granted our occurrence for decades: disciplined execution, improvement of our concern model, thoughtful superior allocation, and a absorption connected gathering assets that compound worth implicit time.