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Sep 30, 2021

Euronet Q3 2021 Earnings Report

Euronet reported a strong third quarter with revenue exceeding 2019 levels and earnings surpassing expectations, driven by improved global travel and advancements in digital products.

Key Takeaways

Euronet Worldwide reported a strong third quarter 2021, with revenues increasing by 23% to $816.6 million and operating income increasing by 73% to $114.5 million. The company's performance was driven by improvements in global travel and strong growth in its EFT, epay, and money transfer segments. Adjusted earnings per share increased by 58% to $1.77.

Revenues increased by 23% to $816.6 million.

Operating income increased by 73% to $114.5 million.

Adjusted earnings per share increased by 58% to $1.77.

EFT transactions rebounded with the increase in European travel.

Total Revenue
$817M
Previous year: $664M
+22.9%
EPS
$1.77
Previous year: $1.12
+58.0%
Active ATMs
45.52K
Previous year: 43.96K
+3.6%
epay Transactions
811M
Previous year: 661M
+22.7%
Money Transfer Transactions
34.1M
Previous year: 30.9M
+10.4%
Gross Profit
$332M
Previous year: $257M
+29.4%
Cash and Equivalents
$1.05B
Previous year: $1.01B
+4.0%
Free Cash Flow
$110M
Previous year: $16M
+589.4%
Total Assets
$4.53B
Previous year: $4.1B
+10.5%

Euronet

Euronet

Euronet Revenue by Segment

Forward Guidance

The Company anticipates that its fourth quarter 2021 revenues will be generally in-line with the third quarter, recognizing seasonal shifting in the mix of revenue between the EFT and epay segments. Adjusted EBITDA is expected to be in the range of approximately $120 million to $130 million. This outlook does not include any change in foreign exchange rates, changes in COVID-19 containment, adjustments to intangible and other long-lived assets or unusual factors that may develop throughout the quarter.

Revenue & Expenses

Visualization of income flow from segment revenue to net income