Euronet Worldwide Inc SEC Filings

Euronet Worldwide executive Juan Bianchi, CEO of the Money Transfer Division, reported insider stock transactions in company shares. On December 10, 2025, he exercised employee stock options for 3,268 shares of common stock at $74.72 per share, then disposed of 3,211 shares at $77.49 per share. After these trades, he directly owned 5,888 Euronet Worldwide common shares. The options exercised had vested in 20% annual installments beginning on December 10, 2016 and on each anniversary thereafter.

Euronet Worldwide, Inc. reported an insider transaction by Nikos Fountas, CEO of its EFT EMEA Division. On December 10, 2025, he exercised employee stock options to acquire 16,341 shares of common stock at an exercise price of $74.72 per share and received the shares as a direct holding.

On the same date, he disposed of 15,757 shares of common stock at $77.49 per share. After these transactions, he directly beneficially owned 64,292 shares of Euronet Worldwide common stock, and the employee stock option covering 16,341 shares was fully exercised.

Euronet Worldwide's EVP - Chief Financial Officer Rick Weller reported an option exercise and related share disposition. On 12/10/2025, he exercised employee stock options to acquire 25,532 shares of Euronet Worldwide common stock at $74.72 per share, and disposed of 24,620 shares of common stock at $77.49 per share the same day. After these transactions, he beneficially owned 278,409 shares of common stock directly, plus a separate line of 4,452 shares also listed as directly owned. Footnotes state that 247 shares were acquired through the company employee stock purchase plan during Q1 2025 and 101 shares were acquired on March 10, 2025 via the Euronet Worldwide 401K plan. The reported stock option grant covered 25,532 shares, vested 20% on 12/10/2016 and 20% on each anniversary thereafter, and is now shown with zero options remaining.

Euronet Worldwide, Inc. CEO, President and director Michael J. Brown reported stock transactions dated December 10, 2025. He acquired 61,277 shares of common stock by exercising employee stock options at a price of $74.72 per share and, on the same date, disposed of 60,059 shares at $77.49 per share.

After these transactions, reported direct holdings included 1,420,184 shares of common stock and a separate direct holding of 5,960 shares. Indirect beneficial holdings included 211,248 shares held by his spouse as custodian for his children, 171,400 shares held by family trusts for the benefit of his spouse and children, and 158,715 shares held by his spouse. The employee stock option exercised related to 61,277 underlying shares at an exercise price of $74.72 and vested in 20% annual installments beginning on December 10, 2016, with zero derivative securities from this grant reported as beneficially owned afterward.

Euronet Worldwide (EEFT) reported Q3 2025 results. Revenue rose to $1,145.7 million from $1,099.3 million as operating income increased to $195.0 million. Net income attributable to the company was $122.0 million with diluted EPS of $2.75 versus $3.21 a year ago.

Segment performance showed mixed trends: EFT Processing revenue was $409.4 million (up from $373.0 million), epay was $286.5 million (slightly below $290.3 million), and Money Transfer was $452.4 million (up from $438.2 million). For the nine months, revenue reached $3,135.5 million versus $2,942.5 million, while net income was $258.0 million.

The company refinanced its capital structure: it issued $1,000.0 million of 0.625% Convertible Notes due 2030, repurchased $491.8 million of 0.75% Convertible Notes due 2049 (leaving $33.2 million outstanding), and paid $99.8 million for capped call options. Year‑to‑date share repurchases totaled $441.9 million. Cash and cash equivalents were $1,172.5 million as of September 30, 2025, and operating cash flow was $381.9 million for the nine months.

Euronet Worldwide (EEFT) filed a Form 8-K to furnish a press release reporting its financial results for the quarter ended September 30, 2025.

The press release is attached as Exhibit 99.1 and the information under Item 2.02 is being furnished, not filed, under the Exchange Act. The filing also lists exhibits under Item 9.01 and includes the CFO’s signature.

CoreCard and Euronet have agreed to a merger announced in a proxy statement/prospectus. On July 30, 2025, CoreCard entered into an Agreement and Plan of Merger with Euronet Worldwide and its wholly owned Genesis Merger Sub under which CoreCard will become a wholly owned subsidiary of Euronet if the transaction closes. The Per Share Merger Consideration for each outstanding CoreCard share will be a number of Euronet shares determined by an Exchange Ratio tied to the 15‑day volume weighted average Nasdaq price of Euronet Common Stock prior to closing: 0.3142 shares if the Euronet price is ≤ $95.4798, $30.00 implied if the price is between $95.4798 and $107.7997 (ratio = $30.00/Euronet price), and 0.2783 shares if the price is ≥ $107.7997.

The parties filed HSR notifications (CoreCard on August 22, 2025; Euronet on August 25, 2025). Euronet issued $1,000.0 million of 0.625% Convertible Senior Notes due 2030 on August 15, 2025. The Merger is expected to close in Q4 2025 but remains subject to CoreCard stockholder approval, regulatory approvals, satisfaction of closing conditions and other customary conditions. The CoreCard Board unanimously recommends the Merger. A $7.5 million termination fee and customary non-solicitation, vesting and equity‑award treatments are disclosed.

CoreCard and Euronet have entered a definitive merger agreement dated July 30, 2025, under which Genesis Merger Sub (an Euronet subsidiary) will merge into CoreCard and CoreCard will become a wholly owned subsidiary of Euronet. At the Effective Time each outstanding CoreCard share (other than excluded shares) will be cancelled and converted into a number of Euronet common shares determined by an Exchange Ratio tied to the 15-day VWAP of Euronet stock ending two full trading days before closing. The Exchange Ratio yields fixed conversion points: 0.3142 if Euronet price ≤ $95.4798, 0.2783 if ≥ $107.7997, and $30.00 implied value between those thresholds.

The companies expect closing in Q4 2025, subject to CoreCard stockholder approval and regulatory clearances including HSR filings (Euronet filed August 25, 2025; CoreCard filed August 22, 2025). KBW delivered a fairness opinion to CoreCard dated July 30, 2025. Key deal mechanics: CoreCard RSUs vest and convert into merger consideration; options vest and convert into cash equal to (Exchange Ratio × Euronet Price) minus strike. Termination provisions include a $7.5 million termination fee in specified circumstances. Euronet issued $1,000 million 0.625% convertible notes on August 15, 2025. The merger will be accounted for as an acquisition with Euronet as accounting acquirer.