Euronet Q4 2024 Earnings Report

Key Takeaways

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.

Total Revenue

$1.05B

Previous year: $958M

+9.4%

EPS

$2.08

Previous year: $1.88

+10.6%

Money Transfer Transactions

46.9M

Previous year: 42.4M

+10.6%

epay Processing Transactions

1.19B

Previous year: 906M

+30.8%

EFT Processing Transactions

3.2B

Previous year: 2.37B

+35.2%

Cash and Equivalents

$1.28B

Previous year: $1.79B

-28.7%

Euronet Revenue

Euronet EPS

Euronet Revenue by Segment

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.

Positive Outlook

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.

Challenges Ahead

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.