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Sep 30, 2022

Euronet Q3 2022 Earnings Report

Euronet reported year-over-year double digit revenue and operating income growth, supported by strong results from all three segments.

Key Takeaways

Euronet Worldwide reported a strong third quarter with double-digit growth in revenue, operating income, and adjusted EBITDA across all three segments. The company's resilience was evident despite challenging macroeconomic conditions, with growth driven by the recovery of international travel, expansion of digital distribution networks, and continued demand for digital content.

Revenues increased by 14% year-over-year to $931.3 million.

Operating income grew by 47% year-over-year to $168.5 million.

Adjusted earnings per share increased by 55% year-over-year to $2.74.

The company anticipates its fourth quarter 2022 adjusted EBITDA will be in the range of approximately $125 million to $135 million.

Total Revenue
$931M
Previous year: $817M
+14.0%
EPS
$2.74
Previous year: $1.77
+54.8%
Active ATMs
49.62K
Previous year: 45.52K
+9.0%
epay Transactions
915M
Previous year: 811M
+12.8%
Money Transfer Transactions
37.7M
Previous year: 34.1M
+10.6%
Gross Profit
$271M
Previous year: $332M
-18.4%
Cash and Equivalents
$967M
Previous year: $1.05B
-7.8%
Free Cash Flow
$242M
Previous year: $110M
+119.6%
Total Assets
$4.83B
Previous year: $4.53B
+6.7%

Euronet

Euronet

Euronet Revenue by Segment

Forward Guidance

The Company anticipates that its fourth quarter 2022 adjusted EBITDA will be in the range of approximately $125 million to $135 million and expects to complete the full year 2022 with Adjusted EPS in the anticipated range of $6.30 to $6.40.

Challenges Ahead

  • Disruption in the travel industry
  • COVID-19 variants
  • Inflation
  • Related inflation control measures
  • Changes in travel patterns stemming from the war in Ukraine

Revenue & Expenses

Visualization of income flow from segment revenue to net income