Short answer

Euronet Worldwide Inc (EEFT) filed its fiscal 2015 10-K annual report with the SEC on Feb 29, 2016.

Top risk flagged: EU Court of Justice Safe Harbor invalidation, disrupting EU-to-U.S. personal-data transfers supporting money-remittance transactions

Euronet Worldwide Inc FY2015 10-K analysis

AI summary of each section, grounded in the filing text

Electronic payments platform across EFT processing, prepaid distribution and global money transfer
2015 acquisitions of IME and XE, adding Asian and Middle Eastern send markets plus a recognized digital currency-information brand
Money Transfer expansion beyond traditional corridors, with XE online services and IME strengthening international reach
Network scale: 21,360 ATMs, 674,000 epay POS terminals and 292,000 money-transfer payout locations
Employees increased to approximately 5,600 from 4,600, while money-transfer volume reached $27.1 billion

Revenue $1.772B, up 6% YoY, driven by Money Transfer growth and acquisitions, partly offset by currency translation
Operating income $204.8M vs $158.7M, with net income $98.8M vs $101.6M
Best segment Money Transfer: revenue $685.6M, operating income $78.7M, margin 11.5% vs 8.2%
Worst revenue segment epay: revenue $708.4M, down 10%, though operating margin rose to 9.4% from 7.8%
Operating cash flow $215.1M, capex $81.3M, acquisitions $114.0M, share repurchases $6.1M; 2016 capex outlook $75M to $85M

EU Court of Justice Safe Harbor invalidation, disrupting EU-to-U.S. personal-data transfers supporting money-remittance transactions
Greek sovereign-debt crisis, euro-exit risk threatening euro cash held in Greek banks and ATMs
ATM cash-supply dependence: third parties funded approximately $494.7 million of network cash as of December 31, 2015
Western Union’s greater resources and alternative technologies, including digital currencies, threatening money-transfer pricing and demand
Debt burden: $405.5 million long-term debt and variable-rate exposure increasing interest expense and covenant pressure

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