Short answer

Euronet Worldwide Inc (EEFT) filed its fiscal 2012 10-K annual report with the SEC on Feb 27, 2013.

Top risk flagged: FCPA, U.K. Bribery Act exposure: employee or agent violations could trigger criminal and civil penalties

Euronet Worldwide Inc FY2012 10-K analysis

AI summary of each section, grounded in the filing text

Electronic payments platform across EFT processing, prepaid distribution and global consumer money transfers
New Zealand expansion through ezi-pay acquisition, adding 90+ gift cards across 1,200+ retail outlets
epay emphasized non-mobile content, with other products reaching 29% of segment gross profit
ATM network expanded to 17,600 from 14,224, driven by India and Eastern European independent deployments
Money transfer transactions rose to 30.7 million, while volume processed reached $7.7 billion in 2012

Revenue $1.268B, up $106.6M or 9% YoY, driven by epay, EFT Processing and Money Transfer growth
Operating income $58.0M vs $79.1M, including $28.7M impairment; adjusted operating income increased 10%
Best segment: epay revenue $714.1M, operating income $19.5M; worst margin: epay 6.8% vs 8.4%
Operating cash flow $181.5M; capex $49.6M; $42.9M common-stock buybacks and $167.9M convertible-debt repurchases
2013 capex guidance $40M to $50M; risks from currency volatility, commission reductions, competition and European sovereign-debt exposure

FCPA, U.K. Bribery Act exposure: employee or agent violations could trigger criminal and civil penalties
European sovereign debt crisis: bank customers may face payment stress or decline to renew agreements
Processing-center concentration: EFT transactions run through Budapest, Beijing, Mumbai and Karachi centers
Western Union and MoneyGram competition: greater capital could support lower pricing and technology investment
Debt burden: $286.7 million long-term debt against $1,551.5 million total assets, including $74.5 million variable-rate term loan

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

Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.