Short answer

Euronet Worldwide Inc (EEFT) filed its fiscal 2011 10-K annual report with the SEC on Feb 29, 2012.

Top risk flagged: OFAC, BSA, FinCEN and PATRIOT Act enforcement: agent noncompliance could trigger fines and penalties

Euronet Worldwide Inc FY2011 10-K analysis

AI summary of each section, grounded in the filing text

Global electronic payments model spanning EFT processing, prepaid distribution and consumer money transfers
New cadooz acquisition added German vouchers, merchandise and incentive solutions across 3,000 corporate customers
Strategic expansion through 1,269 acquired ATMs and 2,560 POS terminals in Poland and Romania
Network scale: 14,224 ATMs, 615,000 POS terminals and 146,000 money-transfer payout locations
Late-2011 security breach affected less than 5% of revenues, with $0.4 million in fourth-quarter expenses

Revenue $1.161B, up 12% YoY, driven by epay Brazil, cadooz, money transfers and stronger currencies
Net income $37.0M vs $(38.4)M, adjusted tax rate 38.2% vs 37.9%
Best segment epay: revenue $677.1M, operating income $56.8M, margin 8.4% vs 7.8%
Worst segment EFT Processing: operating income $33.2M, down 13%, margin 16.7% vs 19.6%
Operating cash flow $99.3M, capex $50.6M, acquisitions $78.7M, buybacks $16.0M, 2012 capex outlook $40M-$50M

OFAC, BSA, FinCEN and PATRIOT Act enforcement: agent noncompliance could trigger fines and penalties
European sovereign debt crisis: bank customers may face payment constraints or avoid renewing service agreements
Processing-center concentration: EFT transactions routed through Athens, Budapest, Belgrade, Beijing, Mumbai and Karachi
Western Union and MoneyGram competition: greater resources could enable lower pricing and technology investment
Debt burden: $979.6 million liabilities, including $161.7 million long-term debt and $165.2 million convertible debentures

Generated from the filing text; verify against the original. How to read a 10-K

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