Euronet Worldwide Inc (EEFT) Q3 2018 10-Q Quarterly Earnings

Short answer

Euronet Worldwide Inc (EEFT) filed its Q3 2018 10-Q quarterly report on Nov 2, 2018 for the quarter ended Sep 30, 2018.

AI summary of MD&A and risk factor updates

Revenue $714.5M, up $76.7M YoY from $637.8M, led by Money Transfer revenue $268.3M, up $40.2M
Operating income $150.9M vs $116.9M; consolidated operating margin 21.1% vs 18.3% YoY
Best segment: EFT Processing operating income $110.4M, margin 42.2% vs 38.4%; weakest epay margin 8.9% vs 8.5%
Cash and equivalents $1,129.3M; operating cash flow nine-month $192.6M vs $257.7M, with $175.0M share repurchases
Near-term outlook: 2018 capital expenditures estimated at $120M-$130M; competition, currency volatility, regulatory changes and higher borrowing needs as headwinds

No material risk-factor changes disclosed from 2017 Form 10-K
Regulatory compliance: Money-transfer operations require minimum capitalization, cash requirements, and surety bonds across jurisdictions
Operational risk: ATM cash exposure approximately $318 million under EFT Processing contracts
Financial liquidity: $300 million ATM credit facility expires November 30, 2018
Currency risk: HiFX customer derivative contracts had approximately $1.2 billion aggregate notional value

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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