NASDAQ$EEFT

Euronet Worldwide Inc. · Q4 2024 earnings

Q4 2024 earnings · · Before market open · Investor relations

Briefing

Euronet reported strong revenue growth of 9.36% YoY in Q4 2024, driven by robust performance in EFT Processing and Money Transfer. Adjusted EPS reached a record $2.08, marking a 10.64% YoY increase. Net income declined by 34.79% due to increased interest and tax expenses.

Headline financials

Total Revenue

$1.05B

Previous: $958M+9.4%
EPS (adj)

$2.08

Previous: $1.88+10.6%
EFT Processing Segment Active ATMs

49.9K

Previous: 47.3K+5.6%
epay Processing Transactions

1.2B

Previous: 906.0M+30.8%
Money Transfer Transactions

46.9M

Previous: 42.4M+10.6%
EFT Processing Segment Transactions

3.2B

No prior period
epay POS Terminals

777.0K

No prior period
Money Transfer Network Locations

607.0K

No prior period
Capital Expenditures

-$38.4M

Previous: $25.3M-251.8%
Net Income

$45.2M

Previous: $69.3M-34.8%
Operating Income

$123M

Previous: $97.4M+26.0%
Gross Profit

$206M

Previous: $170M+21.4%

Revenue & EPS history

Euronet · Revenue · Quarterly

$1.05B

Q4 2024+9.4%vs Q4 2023
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

Euronet · $1.01B total across 3 segments · Q3 2023

  • Money Transfer
    $396M+8.5%
  • EFT Processing
    $346M+8.2%
  • epay
    $265M+6.3%

Forward guidance

Euronet expects adjusted EPS growth between 12% and 16% in 2025, supported by digital expansion, international travel recovery, and fee increases. The company remains cautious about macroeconomic uncertainties and potential currency fluctuations.

Tailwinds

  • Expected adjusted EPS growth of 12% to 16% in 2025.
  • Continued expansion of digital money transfer services.
  • Strong demand for international travel driving EFT Processing growth.
  • Growth in merchant acquiring and fee increase opportunities.
  • Expansion into new geographic markets.

Headwinds

  • Potential headwinds from currency fluctuations.
  • Rising interest expenses impacting profitability.
  • Higher tax expenses expected in 2025.
  • Decline in intra-U.S. money transfers affecting Money Transfer segment.
  • Macroeconomic uncertainties impacting consumer spending.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2024

Historical avgQ4 2024

+1.0%

Avg return

Earnings day

-0.0%

Avg return

5 days after

+1.1%

Avg return

30 days after

59%

40 / 68 earnings

Positive

+16.2%

Q4 2014

Best reaction

-20.3%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.9%-4.3%-4.3%
Q4 2025-3.3%+0.5%+1.3%
Q3 2025-5.8%-10.4%-17.3%
Q1 2025+3.4%+4.3%+11.5%
Q4 2024-1.5%+9.2%+6.7%
Q3 2024+5.4%+4.7%+8.7%
Q2 2024-5.3%-5.9%-4.2%
Q1 2024-0.3%+5.3%+8.8%
Q4 2023+1.3%+1.6%+9.7%
Q3 2023+9.5%+6.4%+10.7%
Q2 2023-20.3%-24.7%-27.7%
Q1 2023-2.1%+0.0%+2.3%
Q4 2022-3.4%-0.3%-7.2%
Q3 2022+5.8%+6.9%+15.6%
Q2 2022-2.1%-3.4%-7.5%
Q1 2022-5.6%-10.8%-12.8%
Q4 2021+5.4%-0.2%-18.2%
Q3 2021-8.4%-9.1%-18.6%
Q2 2021+2.1%+6.7%-0.1%
Q1 2021-1.9%-2.4%+0.1%
Q4 2020+2.4%+8.1%+17.3%
Q3 2020-3.6%-3.0%+49.4%
Q2 2020+2.3%-2.1%+5.9%
Q1 2020+9.2%+3.8%+9.3%
Q4 2019-6.4%-8.0%-45.8%
Q3 2019-5.1%-3.3%+5.2%
Q2 2019-4.1%-4.0%-7.8%
Q1 2019+1.8%+2.3%+5.9%
Q4 2018+8.3%+10.2%+16.0%
Q3 2018+0.3%-2.2%-1.7%
Q2 2018+11.9%+10.8%+14.3%
Q1 2018+5.5%+3.7%+8.6%
Q4 2017-3.4%-8.0%+2.1%
Q3 2017+3.3%+0.2%-8.1%
Q2 2017+2.8%+4.1%+2.8%
Q1 2017-1.4%-0.8%-0.3%
Q4 2016+6.2%+10.8%+14.0%
Q3 2016-1.0%-2.0%-7.1%
Q2 2016+6.0%+5.3%+6.8%
Q1 2016+3.7%
Q4 2015-8.7%
Q3 2015+7.0%
Q2 2015+4.7%
Q1 2015+4.4%
Q4 2014+16.2%
Q3 2014+8.9%
Q2 2014+8.6%
Q1 2014+5.8%
Q4 2013-10.5%
Q3 2013+1.8%
Q2 2013+9.6%
Q1 2013+5.8%
Q4 2012-2.4%
Q3 2012-0.6%
Q2 2012+5.2%
Q1 2012+1.8%
Q4 2011-2.2%
Q3 2011-1.3%
Q2 2011-0.9%
Q1 2010+1.1%
Q1 2011-1.7%
Q4 2008+2.0%
Q4 2010+2.0%
Q3 2010+0.1%
Q3 2009+0.1%
Q2 2010+1.6%
Q2 2009+1.6%
Q4 2009+1.6%

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