Euronet Worldwide’s third quarter saw modest revenue growth, falling short of Wall Street’s expectations and prompting a negative market reaction. Management attributed the revenue softness to broad macroeconomic pressures and recent changes in immigration policy, particularly affecting the Money Transfer segment. CEO Michael Brown pointed out, “We felt that uncertainty across most of our business from travel and consumer spending to cross-border remittances and payment processing.” Additionally, certain business areas, such as the EFT segment, experienced cautious consumer spending, while epay faced headwinds from the discontinuation of a low-margin product.

Is now the time to buy EEFT? Find out in our full research report (it’s free for active Edge members).

While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Euronet Worldwide’s Q3 Earnings Call

• Vasundhara Govil (KBW) asked about the softness in the EFT segment, especially whether the weakness was concentrated in ATM or merchant acquiring. CEO Michael Brown explained that ATM services were more affected due to consumer caution, while merchant acquiring continued to grow.
• Vasundhara Govil (KBW) inquired about volatility in Money Transfer trends, particularly in the U.S.-Mexico corridor. Brown acknowledged choppy trends, with stronger October results, but maintained a cautious outlook due to ongoing volatility.
• Gustavo Gala (Monness, Crespi, Hardt) questioned pricing dynamics in Money Transfer corridors. CFO Rick Weller stated that pricing remained consistent overall, with slight competitive pressure in some Middle Eastern corridors but no significant impact on third-quarter results.
• Charles Nabhan (Stephens) asked whether the mid-single-digit growth in epay’s core business represented a new trend. Weller attributed slower growth to economic pressure on discretionary spending and emphasized ongoing digital and gaming partnership expansions.
• Anthony Cyganovich (Oppenheimer) followed up on how persistent macro and policy challenges might affect long-term earnings growth. Brown and Weller affirmed confidence in sustaining double-digit EPS growth, citing digital initiatives and the upcoming CoreCard integration.

Catalysts in Upcoming Quarters

In upcoming quarters, our team will be looking for (1) signs of recovery in remittance and travel transaction volumes as macro and immigration headwinds evolve, (2) successful integration and initial contributions from the CoreCard acquisition, and (3) measurable progress with stablecoin pilots and new digital payment partnerships. Execution on these fronts will be critical indicators of Euronet’s ability to deliver on its growth ambitions.

Euronet Worldwide currently trades at $79.23, down from $88.71 just before the earnings. In the wake of this quarter, is it a buy or sell? See for yourself in our full research report (it’s free for active Edge members).

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