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EURONET WORLDWIDE INC

For the period ended Dec 31, 2024. Filed Feb 25, 2025.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Feb 25, 2025

EEFT$70.87-0.4%Stored close · as of Nov 6, 2026
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C.20549

(Mark One)
OR
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from to

Commission File Number

001-31648

EURONET WORLDWIDE, INC.

(Exact name of Registrant as specified in its charter)

Delaware74-2806888
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)
11400 Tomahawk Creek Parkway, Suite 300
Leawood, Kansas66211
(Address of principal executive offices)(Zip Code)

(913) 327-4200

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common StockEEFTNasdaq Global Select Market
1.375% Senior Notes due 2026EEFT26Nasdaq Global Market

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☑ No ☐

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes☐ No☑

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically, every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12 b-2 of the Exchange Act.

Large accelerated filer☑Accelerated filer☐
Non-accelerated filer☐Smaller reporting company☐
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.7262(b)) by the registered public accounting firm that prepared or issued its audit report.☑

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10 D-1(b).☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12 b-2 of the Act). Yes☐ No☑

As of June 30, 2024, the aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant was approximately $4.4 billion. The aggregate market value was determined based on the closing price of the Common Stock on June 30,2024.

As of February 24, 2025, the registrant had 43,742,542 sharesof Common Stock outstanding.

Documents Incorporated By Reference

Portions of the registrant's Proxy Statement for its 2024 Annual Meeting of Stockholders, which will be filed with the Securities and Exchange Commission no later than 120 days after December 31, 2024, are incorporated by reference into Part III of this Annual Report on Form 10-K.

Table of ContentPage Number
Item Number · Item Description
Part I1
Item 1.Business1
Item 1A.Risk Factors18
Item 1B.Unresolved Staff Comments30
Item 1C.Cybersecurity Risk Management and Strategy30
Item 2.Properties32
Item 3.Legal Proceedings32
Item 4.Mine Safety Disclosures32
Part II32
Item 5.Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities32
Item 6.Reserved34
Item 7.Management's Discussion and Analysis of Financial Condition and Results of Operations34
Item 7A.Quantitative and Qualitative Disclosures about Market Risk54
Item 8.Financial Statements and Supplementary Data56
Item 9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure98
Item 9A.Controls and Procedures98
Item 9B.Other Information99
Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections99
Part III99
Item 10.Directors, Executive Officers and Corporate Governance99
Item 11.Executive Compensation99
Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters99
Item 13.Certain Relationships and Related Transactions, and Director Independence99
Item 14.Principal Accounting Fees and Services99
Part IV100
Item 15.Exhibits and Financial Statement Schedules100
Signatures104

Table of Contents

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