Short answer

Euronet Worldwide Inc (EEFT) filed its fiscal 2009 10-K annual report with the SEC on Mar 1, 2010.

Top risk flagged: OFAC, BSA, FinCEN and PATRIOT Act enforcement: liability for agent noncompliance, including fines and penalties

Euronet Worldwide Inc FY2009 10-K analysis

AI summary of each section, grounded in the filing text

Global electronic payments model across EFT processing, prepaid distribution and consumer money transfer services
New epay global brand unifying eight prepaid subsidiaries and broadening focus beyond mobile airtime to e-payment services
U.K. payment services license passported to 10 countries, enabling unified European regulation and faster expansion
Prepaid network processed 777.1 million transactions through approximately 498,000 POS terminals, up from 713.1 million in 2008
Approximately 2,700 employees, up from 2,500, alongside $3.3 million in software research and development spending

Revenue $1.033B, down 1% YoY from $1.046B, pressured by stronger U.S. dollar
Operating income $72.3M vs loss $149.0M, with operating margin 7.0% vs negative 14.2%
Best segment Prepaid: $602.1M revenue, $49.4M operating income vs loss $4.7M; worst Money Transfer: loss $0.4M
Operating cash flow $96.1M; capex $34.5M; debt repayments $56.2M; convertible debenture repurchases $68.0M cash
Outlook: 2010 capex $40M to $50M; risks include weaker money transfers to Mexico and DOJ investigation of RIA operations

OFAC, BSA, FinCEN and PATRIOT Act enforcement: liability for agent noncompliance, including fines and penalties
U.S.-Mexico recession exposure: Mexico transfers 25% of money-transfer transactions, down 19% in 2009
Processing-center concentration: EFT transactions routed through Athens, Budapest, Belgrade, Beijing and Mumbai centers
Western Union and MoneyGram competition: greater resources could enable lower pricing and technology investment
Debt burden: $320.3 million long-term debt against $1,412.7 million total assets, including $129.0 million variable-rate term loan

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