> mnop l \pThe Free Software Foundation B=PF0*8X@"1 Helvetica1Courier1Courier New1Courier New1 Helvetica$#,##0_);($#,##0)$#,##0_);[Red]($#,##0)$#,##0.00_);($#,##0.00)$#,##0.00_);[Red]($#,##0.00)**_($* #,##0_);_($* (#,##0);_($* ""_);_(@_)*)'_(* #,##0_);_(* (#,##0);_(* ""_);_(@_)5,2_($* #,##0.00_);_($* (#,##0.00);_($* ""??_);_(@_)2+/_(* #,##0.00_);_(* (#,##0.00);_(* ""??_);_(@_)2$#,##0.00;[Red]$#,##0.003$#,##0.00;[Red]($#,##0.00)4$#,##0;[Red]($#,##00)50.00%;[Red](0.00%)60%;[Red](0%)7#,##0.00;[Red](#,##0.00)8#,##0;[Red](#,##0) + ) , * Ј ~~ ؈ ~~#؈ ~~ ؈ ~~8#܈ ~~9#܈ ~~4#܈ ~~3#܈ ~~7#܈ ~~83ffff̙̙3f3fff3f3f33333f33EURONET WORLDWIDE INC yEURONET WORLDWIDE INC (1)N"Table of Contents"3CONSOLIDATED BALANCE SHEETS&yVCONSOLIDATED STATEMENTS OF INCO&yCONSOLIDATED STATEMENTS OF COMP&8CONSOLIDATED STATEMENTS OF CASH!rDisaggregation of Revenues%/Disaggregation of Revenues (1)Earnings Per Share&Accumulated Other Comprehensive&Accumulated Other Comprehen (1)&fAccumulated Other Comprehen (2)!Balance Sheet Presentation&'Offsetting of Derivative Assets&9Offsetting of Derivative Liabil&KOffsetting of Derivative Li (1)&YOffsetting of Derivative Li (2)&8hOffsetting of Derivative Li (3)vSegment ReportingSegment Reporting (1)Segment Reporting (2)ŸSegment Reporting (3);Segment Reporting (4)&SEGMENT SUMMARY RESULTS OF OPER&SEGMENT SUMMARY RESULTS OF (1)&zImpact of changes in foreign cuH(EFT PROCESSING SEGMENT^HEPAY SEGMENT4eMONEY TRANSFER SEGMENTׁCORPORATE SERVICESOTHER INCOME EXPENSE NET&9NET INCOME ATTRIBUTABLE TO NONCWorking capital&2COMPUTATION OF RATIO OF EARNING
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }0}
EURONET WORLDWIDE INC10Q
11/02/2018EURONET WORLDWIDE, INC.
Delaware
742806888$(State or other jurisdiction(I.R.S. Employer)!of incorporation or organization)Identification No.)
3500 College BoulevardLeawood, Kansas~
0((Address of principal executive offices)
(Zip Code)$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/0~rfZBpB=PF0*8X>
@
l !
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCTable of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}}U}!
EURONET WORLDWIDE INC10Q
11/02/2018EURONET WORLDWIDE, INC. !
Large accelerated filer ?
Accelerated filer o
Nonaccelerated filer o#
Smaller reporting company o!Emerging growth company o/
'If an emerging growth company, indicate3+by check mark if the registrant has elected1)not to use the extended transition period7/for complying with any new or revised financial.&accounting standards provided pursuant/'to Section 13(a) of the Exchange Act. o$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/4~rfZ*_;a/=PF0*8X>
@R
l *b03
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)CONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }y
}:}
*
EURONET WORLDWIDE INC10Q
11/02/2018Table of Contents
Page$PART IFINANCIAL INFORMATIONItem 1.( Financial Statements (unaudited)~
3
+Consolidated Balance Sheets as of September~
&30, 2018 and December 31, 2017%Consolidated Statements of Income for~
1)the Three and Nine Months Ended September30, 2018 and 20170(Consolidated Statements of Comprehensive~
2*Income for the Three and Nine Months Ended September, 2018 and 2017%Consolidated Statements of Cash Flows~
/'for the Nine Months Ended September 30,
2018 and 20175Notes to the Unaudited Consolidated Financial~
StatementsItem 2.,$Management's Discussion and Analysis~
V80of Financial Condition and Results of OperationsItem 3.0(Quantitative and Qualitative Disclosures~
About Market RiskItem 4.Controls and Procedures~
!PART IIOTHER INFORMATIONDlxl`<BW L
s"\ !"#$%&'() Item 1. Legal Proceedings~
!Item 1A.!Risk Factors~
!"Item 6."Exhibits~
"###$$
Signatures~
$%&$'____________________________1()Created by Morningstar Document Research.0)(http://documentresearch.morningstar.com/rS/=PF0*8X>
@*))((''
l KCOS
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of Contents!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }7}$
K
EURONET WORLDWIDE INC10Q
11/02/2018#CONSOLIDATED BALANCE SHEETS
As of
September 30,December 31,~
~
(unaudited)
ASSETSCurrent assets:!Cash and cash equivalents~
D~
"1Restricted cash~
{~
z4,Trade accounts receivable, net of allowances~
1~
v5for doubtful accounts of $23,426 at September1)30, 2018 and $20,958 at December 31, 20171)Prepaid expenses and other current assets~
5~
Total current assets~
H~
*^s2*Property and equipment, net of accumulated~
~H~
>`%depreciation of $365,708 at September2*30, 2018 and $340,128 at December 31, 2017Goodwill~
+~
*+6.Acquired intangible assets, net of accumulated~
*~
>0 %amortization of $191,256 at September2*30, 2018 and $179,142 at December 31, 20175Other assets, net of accumulated amortization~
!~
.4,of $49,010 at September 30, 2018 and $44,469D
lznbV\!Gt;1TU !"#$%&'()*+,./0123456789:;<=>? at December 31, 2017!Total assets~
!:!!~
!!"LIABILITIES AND EQUITY"""#Current liabilities:###$Trade accounts payable~
$$$~
$3$6%.Accrued expenses and other current liabilities~
%%%~
%_.%4&,Current portion of capital lease obligations~
&RT&&~
&S&/''Shortterm debt obligations and current~
'9''~
'"'0((maturities of longterm debt obligations)Income taxes payable~
)"))~
)R)*Deferred revenue~
*=**~
*r,*!+Total current liabilities~
+c\++~
+U+0,(Debt obligations, net of current portion~
,%',,~
,,1)Capital lease obligations, net of current~
~
f.portion/Deferred income taxes~
/7//~
/Z/#0Other longterm liabilities~
0f00~
001Total liabilities~
1C11~
1qv12Equity:2223%Euronet Worldwide, Inc. stockholders?3334equity:45,Preferred Stock, $0.02 par value. 10,000,000 555 55&6shares authorized; none issued17)Common Stock, $0.02 par value. 90,000,000~
777~
7j7,8$shares authorized; 59,554,968 issued39+at September 30, 2018 and 58,892,744 issued:at December 31, 2017";Additional paidincapital~
;B;;~
;nA;1<)Treasury stock, at cost, 8,096,314 shares~
<<<~
<<2=*at September 30, 2018 and 6,084,586 shares>at December 31, 2017?Retained earnings~
?V8%??~
?j?DlB"7Gn5"
u@ABCDEFGHIJ,@$Accumulated other comprehensive loss~
@@@~
@<@3A+Total Euronet Worldwide, Inc. stockholders?~
ANGAA~
A&IABequity CNoncontrolling interests~
CzCC~
CCDTotal equity~
DGDD~
D5ID$ETotal liabilities and equity~
E:EE~
EEFG$H____________________________1I)Created by Morningstar Document Research.0J(http://documentresearch.morningstar.com/K=PF0*8X>
@JIJJIIHHEEEEDDDDCCCCAAAA@@@@????<<<<;;;;7777555511110000////,,,,++++****))))''''&&&&%%%%$$$$!!!!
l 3lv
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }:}$
3
EURONET WORLDWIDE INC10Q
11/02/2018)!CONSOLIDATED STATEMENTS OF INCOME
Three Months Ended
Nine Months Ended
September 30,
September 30,~
~
~
~
Revenues~
&+
~
*&
~
20s
~
d
Operating expenses:
Direct operating costs~
2~
>D~
BB~
B;Salaries and benefits~
Ү~
Z~
&~
2+#Selling, general and administrative~
g~
~
2 ~
%Acquired intangible assets impairment   ~
#%Depreciation and amortization~
v~
~
~
B> Total operating expenses~
"f"~
~
a~
VOperating income~
6 ~
"~
~
Other income (expense):
Interest income~
~
~
~
fInterest expense~
O~
k~
;~
zx+#Loss from unconsolidated affiliates  ~
.
.&Foreign currency exchange (loss) gain,~
~
~
~
HnetOther (loss) gains~
z ~
j~
Other expense, net~
)~
~
~
"Income before income taxes~
_~
Z~
N{~
Κ
Income tax expense~
~
~
~
^Dlth\P=xbC$}_P !"#$%&'()*+,./012
Net income~
= ~
~
2
~
8!0Net loss (income) attributable to noncontrolling~
!J!!~
!!!~
! !!~
!
&!" interests5#Net income attributable to Euronet Worldwide,~
#E##~
#
##~
#
##~
#
#$Inc.%%%%%% %%
2&*Earnings per share attributable to Euronet&&&&& &&
%'Worldwide, Inc. stockholders:
(Basic(Gz@((((\?((( zG
@(((
q=
ףp@()Diluted)=
ףp=?)))?))) \(\ @)))
ףp=
@)****** **
,+$Weighted average shares outstanding:+++++ ++
,Basic~
,3,,~
,,,~
, kC,,~
,
^,Diluted~
R~
L
~
 ~

}@
./$0____________________________11)Created by Morningstar Document Research.02(http://documentresearch.morningstar.com/* h^L=Y=PF0*8X>
@:g221100

,,,,,,
,,
))))))
))
((((((
((
######
##
!!!!!!
!!
l Ǉ
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }0}$
EURONET WORLDWIDE INC10Q
11/02/20187/CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Three Months Ended
Nine Months Ended
September 30,
September 30,~
~
~
~
Net income~
=
~
~
2
~
Translation adjustment~
~
>~
~
~Comprehensive income~
~
B~
~
b0(Comprehensive loss (income) attributable~
~
>~
~
v#to noncontrolling interests,$Comprehensive income attributable to~
2~
~~
~
Euronet Worldwide, Inc.$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/4rfZNB/}=PF0*8X>
@
l GL
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMPDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }I;}$
G
EURONET WORLDWIDE INC10Q
11/02/2018%CONSOLIDATED STATEMENTS OF CASH FLOWS
Nine Months Ended
September 30,~
~
Net income~
2
~
.&Adjustments to reconcile net income to2*net cash provided by operating activities:%Depreciation and amortization~
~
B> Sharebased compensation~
~
0(Unrealized foreign exchange loss (gain),~
NO~
VnetDeferred income taxes~
"~
+#Loss from unconsolidated affiliates~
.&Accretion of convertible debt discount~
Z~
R/'and amortization of debt issuance costs2*Noncash impairment of acquired intangible ~
#assets2*Changes in working capital, net of amounts acquired:!Income taxes payable, net~
~
!Trade accounts receivable~
~
.1)Prepaid expenses and other current assets~
~
Trade accounts payable~
~
DS
lpdXLjG8iO=i !"#$%&'()*+,./0123456789:;<=>? Deferred revenue~
v' ~
6!.Accrued expenses and other current liabilities~
!V!!~
!fO!4",Changes in noncurrent assets and liabilities~
"
""~
"d"1#)Net cash provided by operating activities~
###~
#R#$%Cash flows from investing activities:$$$*%"Acquisitions, net of cash acquired~
%*7%% %%+&#Purchases of property and equipment~
&&&~
&&+'#Purchases of other longterm assets~
'''~
'V'(
Other, net~
(((~
(n()%Net cash used in investing activities~
)^))~
)f{)*%Cash flows from financing activities:***(+ Proceeds from issuance of shares~
+++~
+"+,Repurchase of shares~
,/,,~
,,3+Borrowings from revolving credit agreements~
}~
nMp1.)Repayments of revolving credit agreements~
.ʢ..~
.&.0/(Repayments of longterm debt obligations~
///~
/v//0'Repayments of capital lease obligations~
000~
0041,Borrowings from shortterm debt obligations,~
1v11~
1&12net3
Other, net~
333~
3r314)Net cash provided by financing activities~
444~
4^4/5'Effect of exchange rate changes on cash~
555~
5C506(and cash equivalents and restricted cash17)Increase in cash and cash equivalents and~
7q77~
7378restricted cash09(Cash and cash equivalents and restricted~
9699~
919#:cash at beginning of period;;;;0<(Cash and cash equivalents and restricted~
<hI<<~
<G<=cash at end of period>>>>9?1Supplemental disclosure of cash flow information:???Dl*={G>Uj[tY@ABCDEF'@Interest paid during the period~
@,@@~
@>@+A#Income taxes paid during the period~
A`AA~
AFABC$D____________________________1E)Created by Morningstar Document Research.0F(http://documentresearch.morningstar.com/x&=PF0*8X>
@zOFFEEDDAAAA@@@@<<<<9999777755554444333311110000////....,,,,++++))))((((''''&&&&%%%%####""""!!!!
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASH Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}$
EURONET WORLDWIDE INC10Q
11/02/2018"Disaggregation of Revenues
0
(For the Three Months Ended September 30,
/
'For the Nine Months Ended September 30,~
~
(in thousands)EFTepay
Money
TotalEFTepay
Money
Total
Processing
Transfer
Processing
Transfer
North America~
v~
~
~
~
Rv~
~
b~
"Europe~
~
~
2(~
~
~
R~
*~
AAsia Pacific~
ʮ~
~
n~
~
~
R.~
&~
.
Other~
Z~
1~
J~
~
~
~
~
Eliminations   ~
  ~
Total~
~
^Q~
`~
&+~
6'$~
E ~
.~
20s$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/6{ocWX$4 q<=PF0*8X>
@C
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of RevenuesEarnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}$
EURONET WORLDWIDE INC10Q
11/02/2018"Disaggregation of Revenues
0
(For the Three Months Ended September 30,
/
'For the Nine Months Ended September 30,~
~
(in thousands)EFTepay
Money
TotalEFTepay
Money
Total
Processing
Transfer
Processing
Transfer
North America~
~~
F~
~~
z ~
fh~
~
+~
ֈEurope~
N~
~
B~
ڠ~
~
U~
~
f:Asia Pacific~
~
r`~
x~
n~
:~~
+~
p~
Other~
~
F~
n(~
p~
*~
~
i~
~>Eliminations   ~
  ~
Total~
F
~
>~
&
~
*&~
z~
NH~
֟'~
d1)As noted above, prior period amounts have:2not been adjusted under the modified retrospectivemethod.$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/<{ocWX$4 q<^K?3=PF0*8X>
@2F
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }$4}}$ }}$ }} $ }
}$
EURONET WORLDWIDE INC10Q
11/02/2018Earnings Per Share
Three Months Ended
Nine Months Ended
September 30,
September 30,~
~
~
~
/
'Computation of diluted weighted average
shares outstanding:1)Basic weighted average shares outstanding~
3~
~
kC ~
^0(Incremental shares from assumed exercise~
b\~
.q~
R] ~
5m2*of stock options and vesting of restricted
stock2*Incremental shares from assumed conversion~
Z4_~
)Q~
Z4_ ~
)Qof convertible notes3+Diluted weighted average shares outstanding~
R~
L
~
~
}@
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/: wk_2C$cm\zw=PF0*8X>
@Z
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }U5}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Accumulated Other Comprehensive Loss
(in thousands)
Acquired
Goodwill
Total
Intangible
IntangibleAssets
Assets'
Balance as of December 31, 2017
~
>0
~
*+
~
f4
Increases (decreases):
Acquisitions ~
D ~
DAmortization~
 ~
4,Other (primarily changes in foreign currency~
Z~
F ~
Wexchange rates)( Balance as of September 30, 2018~
*~
+ ~
3$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/6}qeYM:B;)d=PF0*8X>
@
l o
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }a/}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Accumulated Other Comprehensive Loss
As of(in thousands)September 30, 2018December 31, 2017Accrued expenses~
Ƭ~
:e
%Money transfer settlement obligations~
F
~
/'Accrued amounts due to mobile operators~
~
#and other content providersDerivative liabilities~
~
~_
Total~
~
_.$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/2 }qeYMo/UI==PF0*8X>
@
l #
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }0}$
#
EURONET WORLDWIDE INC10Q
11/02/2018,$Accumulated Other Comprehensive Loss
As of(in thousands)September 30, 2018December 31, 2017Credit Facility:
Term loan, due 2019
$
~
Z
%Revolving credit agreements, due 2019~
G~
.~
G~
:MConvertible Debt:/'1.50% convertible notes, unsecured, due~
~
~
ATM credit facility~
5 Other obligations~
~
αTotal debt obligations~
f5~
'Unamortized debt issuance costs~
~
"Carrying value of debt~
z_5~
/'Shortterm debt obligations and current~
:~
z0(maturities of longterm debt obligations"Longterm debt obligations~
%'~
D l}qeYMo/__Q!69d0 !"$ ____________________________1!)Created by Morningstar Document Research.0"(http://documentresearch.morningstar.com/
(=PF0*8X>
@""!!
l &
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}$ }0}$ }7}
$
EURONET WORLDWIDE INC10Q
11/02/2018"Balance Sheet Presentation
Asset Derivatives
Liability Derivatives
Fair Value
Fair Value(in thousands)Balance Sheet LocationSeptember 30, 2018December 31, 2017Balance Sheet Location
September 30, 2018December 31, 2017
%Derivatives not designated as hedging
instruments+#Foreign currency exchange contracts0(Prepaid expense and other current assets~
ކ~
z;
6.Accrued expenses and other current liabilities
~
nl~
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/.5 {ocW[y]8=PF0*8X>
@z
l n8
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }a/}$
EURONET WORLDWIDE INC10Q
11/02/2018'Offsetting of Derivative Assets
4
,Gross Amounts Not Offset in the Consolidated
Balance Sheet As of September 30, 2018*"Gross Amounts of Recognized Assets0(Gross Amounts Offset in the Consolidated 1
)Net Amounts Presented in the Consolidated
Financial Instruments Cash Collateral ReceivedNet Amounts
Balance Sheet
Balance Sheet/'Derivatives subject to a master netting~
ކ
$ ~
ކ
~
V~
v~
G( arrangement or similar agreement
As of December 31, 2017
/'Derivatives subject to a master netting~
z;
$ ~
z;
~
~
6~
( arrangement or similar agreement$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/4vj^R&vV>'=PF0*8X>
@
l J
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }a/}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Offsetting of Derivative Liabilities
4
,Gross Amounts Not Offset in the Consolidated
Balance Sheet As of September 30, 2018/'Gross Amounts of Recognized Liabilities0(Gross Amounts Offset in the Consolidated 1
)Net Amounts Presented in the Consolidated
Financial InstrumentsCash Collateral PaidNet Amounts
Balance Sheet
Balance Sheet/'Derivatives subject to a master netting~
nl
$ ~
nl
~
~
~
t( arrangement or similar agreement
As of December 31, 2017
/'Derivatives subject to a master netting~
$ ~
~
*~
r*~
( arrangement or similar agreement$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/4}qeYM!qP8!=PF0*8X>
@
l X
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$ }U5}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Offsetting of Derivative Liabilities
2
*Amount of Gain (Loss) Recognized in Income#on Derivative Contracts (a)4,Location of Gain (Loss) Recognized in IncomeThree Months EndedNine Months Ended
on Derivative Contracts
September 30,
September 30,(in thousands)~
~
~
~
+#Foreign currency exchange contracts.&Foreign currency exchange gain (loss),~
* ~
/
~
~
net$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/.}qeYMi =PF0*8X>
@
l Eg
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$ }I"}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Offsetting of Derivative Liabilities
As of September 30, 2018(in thousands)$Balance Sheet ClassificationLevel 1Level 2Level 3
TotalAssets+
#Foreign currency exchange contracts
Other current assets
$
~
ކ
$
~
ކ
Liabilities+#Foreign currency exchange contracts!Other current liabilities
$~
nl
$~
nl$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/.}qeYMiMAI=1 =PF0*8X>
@
l u
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$ }I"}$
EURONET WORLDWIDE INC10Q
11/02/2018,$Offsetting of Derivative Liabilities
As of December 31, 2017(in thousands)$Balance Sheet ClassificationLevel 1Level 2Level 3
TotalAssets+
#Foreign currency exchange contracts
Other current assets
$
~
z;
$
~
z;
Liabilities+#Foreign currency exchange contracts!Other current liabilities
$~
$~
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/.}qeYMiNBJ>2
=PF0*8X>
@
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$
EURONET WORLDWIDE INC10Q
11/02/2018Segment Reporting.
0
(For the Three Months Ended September 30,~
(in thousands)EFTepay
Money
CorporateConsolidated
Processing
Transfer
Services,
Eliminations
and OtherTotal revenues~
~
^Q ~
`
~
~
&+Operating expenses:
Direct operating costs~
6~
& ~
~
*~
2Salaries and benefits~
VR~
n ~
~
N}~
Ү+#Selling, general and administrative~
n~
~
~
~
g%Depreciation and amortization~
~
f ~
z
~
~
v Total operating expenses~
< ~
P
~
H
~
~
"f""Operating income (expense)~
~
~
.
~
6a~
6 $____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/>0wk_c>"J >ZNB=PF0*8X>
@2
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$
EURONET WORLDWIDE INC10Q
11/02/2018Segment Reporting.
0
(For the Three Months Ended September 30,~
(in thousands)EFTepay
Money
CorporateConsolidated
Processing
Transfer
Services,
Eliminations
and OtherTotal revenues~
F
~
> ~
&
~
~
*&Operating expenses:
Direct operating costs~
B~
~
~
2~
>DSalaries and benefits~
~
~
:
~
Rq~
Z+#Selling, general and administrative~
~
~
~
(~
%Depreciation and amortization~
V~
v& ~
s
~
~
Total operating expenses~
~
"J
~
o
~
ҍ~
"Operating income (expense)~
6L~
~

~
Je~
"$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/>0wk_c>"J >ZNB=PF0*8X>
@2
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}$
EURONET WORLDWIDE INC10Q
11/02/2018Segment Reporting.
/
'For the Nine Months Ended September 30,~
(in thousands)EFTepay
Money
CorporateConsolidated
Processing
Transfer
Services,
Eliminations
and OtherTotal revenues~
6'$~
E ~
.
~
~
20sOperating expenses:
Direct operating costs~
~
~
~3
~
~
BBSalaries and benefits~
~
~
2
~
y~
&+#Selling, general and administrative~
v~
ި ~
~
:j~
2 %Depreciation and amortization~
~
VX ~
Zr
~
z~
Total operating expenses~
z~
= ~
<)
~
Z~
a"Operating income (expense)~
R
~
~
~
^~
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/>0wk_c?#K!?[OC=PF0*8X>
@2
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}$
EURONET WORLDWIDE INC10Q
11/02/2018Segment Reporting.
/
'For the Nine Months Ended September 30,~
(in thousands)EFTepay
Money
CorporateConsolidated
Processing
Transfer
Services,
Eliminations
and OtherTotal revenues~
z~
NH ~
֟'
~
~
dOperating expenses:
Direct operating costs~
~
~
H
~
~
B;Salaries and benefits~
~
j ~
f
~
Q~
2+#Selling, general and administrative~
bv~
~
b
~
~
%Acquired intangible assets impairment~
# 

~
#%Depreciation and amortization~
"n~
w ~
V
~
~
B> Total operating expenses~
rk~
* ~
j#
~
~
V"Operating income (expense)~
^~
& ~
n
~
"
~
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/Dlwk_c?#K;WK?=PF0*8X>
@7
l @
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }+}$
EURONET WORLDWIDE INC10Q
11/02/2018Segment Reporting.
)
!Property and Equipment, net as of
Total Assets as of(in thousands)September 30, 2018December 31, 2017
September 30, 2018
December 31, 2017EFT Processing~
~
~
)Y
~
?
epay
~
~
~
Z%
~
z*
Money Transfer~
~
~
jdS
~
VL,$Corporate Services, Eliminations and~
.~
f ~
J
~
Other Total~
~H~
>` ~
:
~
$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/2wk_$d
X=PF0*8X>
@
l {
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }+}
$ }$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018%SEGMENT SUMMARY RESULTS OF OPERATIONS
5
Revenues for the Three Months Ended September
YearoverYear Change
4
,Revenues for the Nine Months Ended September
YearoverYear Change~
z
~
z%(dollar amounts in thousands)~
~
Increase
Increase~
~
IncreaseIncrease
(Decrease)
Percent
(Decrease) Amount
Percent
AmountEFT Processing~
~
F
~
^)
~
B %~
6'$~
z~
]~
V %epay~
^Q~
> ~
~
%~
E ~
NH~
B~
%Money Transfer~
`~
&
~
s
~
J %~
.~
֟'~
N~
J %
Total~
+~
& ~
~
2 %~
~[s~
d~
~
> %,$Corporate services, eliminations and~
~
~
~
> %~
~
~
~
%
other
Total~
&+~
*& ~
~
2 %~
20s~
d~
~
> %$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/:3pdXLUDeHzR=PF0*8X>
@:
l 5
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }+}
$ }$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018%SEGMENT SUMMARY RESULTS OF OPERATIONS
0
(Operating Income (Expense) for the Three
YearoverYear Change
/
'Operating Income (Expense) for the Nine
YearoverYear Change"Months Ended September 30,
"Months Ended September 30,%(dollar amounts in thousands)~
~
Increase (Decrease)
Increase~
~
IncreaseIncrease
Amount
Percent
Amount
(Decrease) PercentEFT Processing~
~
6L ~
p
~
n %~
R
~
^~
JN~
r %epay~
~
~
"
~
%~
~
&~
R~
2 %Money Transfer~
.~
 ~
~
%~
~
n~
~
b %
Total~
~
N ~
~
n %~
*f~
~
~
b %,$Corporate services, eliminations and~
6a~
Je ~
~
%~
^~
"
~
>
~
%
other
Total~
6 ~
" ~
r
~
v %~
~
~
~
r %$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/8pdXL/v4C2=PF0*8X>
@9
l c&
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)EFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }a/} $ }
$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018<4Impact of changes in foreign currency exchange rates
Average Translation Rate
#
Increase (Decrease) Percent
Average Translation Rate
#
Increase (Decrease) Percent( Three Months Ended September 30,
'
Nine Months Ended September 30,/'Currency (dollars per foreign currency)~
~
~
~
Australian dollar
a+e?
}8gD?
~
%
m4@?
2%?
~
%
British pound?s?
 %
`TR'?
qh?~
%euro)
0?~:p? ~
%
xz,C?5;N?~
%Hungarian forintH}m?ŏ1w!o? ~
%
ŏ1w!o?H}m?~
%Indian rupeeQI?q? ~
%
2%䃎?K=U?~
%Malaysian ringgit*:H?{/L
? ~
%
?߾?ŏ1w?~
& %New Zealand dollarOec?Oec? ~
%
Oe?.1?~
%Polish zlotyDJ?B? ~
%
F%u?w#?~
" %$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/8@maUI=)WqeY1=PF0*8X>
@j
l AE
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }}
$ }$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018EFT PROCESSING SEGMENT
Three Months Ended
YearoverYear Change
Nine Months Ended
YearoverYear Change
September 30,
September 30,%(dollar amounts in thousands)~
~
Increase Amount
Increase Percent~
~
"Increase (Decrease) AmountIncrease Percent
Total revenues
~
~
F
~
^)
~
B
%
~
6'$
~
z
~
]
~
V
%Operating expenses:
Direct operating costs~
6~
B ~
*
~
%~
~
~
Z~
F %Salaries and benefits~
VR~
~
K
~
v %~
~
~
~
f %+#Selling, general and administrative~
n~
~
$
~
j %~
v~
bv~
g~
r %%Acquired intangible assets impairment  

n/m ~
#~
Jn/m%Depreciation and amortization~
~
V ~
~
6 %~
~
"n~
֓~
b % Total operating expenses~
< ~
~
~
" %~
z~
rk~
v~
N %Operating income~
~
6L ~
p
~
n %~
R
~
^~
JN~
r %)!Transactions processed (millions)~
~
~
~
B %~
j~
~
r~
B % ATMs as of September 30,~
~
fS ~
V;
~
* %~
~
fS~
V;~
* %Average ATMs~
~
S ~
8
~
* %~
p~
:~
5~
& %$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/@GDsg[.Jx]Zz=PF0*8X>
@S
l b
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}
$ }}$}$ }}$
EURONET WORLDWIDE INC10Q
11/02/2018EPAY SEGMENT
Three Months Ended
YearoverYear Change
Nine Months Ended
YearoverYear Change
September 30,
September 30,%(dollar amounts in thousands)~
~
"
Increase (Decrease) Amount
#Increase (Decrease) Percent~
~
IncreaseIncrease
(Decrease)Amount
(Decrease)PercentTotal revenues~
^Q~
> ~
~
%~
E ~
NH~
B~
%Operating expenses:
Direct operating costs~
&~
~
j
 %~
~
~
6~
%Salaries and benefits~
n~
~
b
~
%~
~
j~
8~
& %+#Selling, general and administrative~
~
~
~
& %~
ި~
~
.~
%%Depreciation and amortization~
f~
v& ~
~
%~
VX~
w~
~
% Total operating expenses~
P
~
"J
~
 %~
=~
*~
~
%Operating income~
~
~
"
~
%~
~
&~
R~
2 %)!Transactions processed (millions)~
r~
~
~
%~
~
~
~
%$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/<}qe8XiZXL@=PF0*8X>
@C
l F
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}
$ }$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018MONEY TRANSFER SEGMENT
Three Months Ended
YearoverYear Change
Nine Months Ended
YearoverYear Change
September 30,
September 30,%(dollar amounts in thousands)~
~
Increase Amount
Increase Percent~
~
IncreaseIncrease Percent
AmountTotal revenues~
`~
&
~
s
~
J %~
.~
֟'~
N~
J %Operating expenses:
Direct operating costs~
~
~
J
~
F %~
~3~
H~
~
J %Salaries and benefits~
~
: ~
K
~
. %~
2~
f~
:~
B %+#Selling, general and administrative~
~
~
;
~
6 %~
~
b~
J~
R %%Depreciation and amortization~
z~
s ~
~
%~
Zr~
V~
~
" % Total operating expenses~
H~
o ~
N
~
> %~
<)~
j#~
F6~
J %Operating income~
.~
 ~
~
%~
~
n~
~
b %)!Transactions processed (millions);@fffff7@
333333@
~
B %~
>P@333333'@~
F %$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/<`sg[.\L:yma9=PF0*8X>
@B
l &
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }*}
$ }$}$}$ }$}$
EURONET WORLDWIDE INC10Q
11/02/2018CORPORATE SERVICES
Three Months Ended
YearoverYear Change
Nine Months Ended
YearoverYear Change
September 30,
September 30,%(dollar amounts in thousands)~
~
"
Increase (Decrease) Amount
#Increase (Decrease) Percent~
~
"Increase (Decrease) Amount#Increase (Decrease) Percent
Salaries and benefits
~
N}
~
Rq
~
~
.
%
~
y
~
Q
~
(
~
2
%+#Selling, general and administrative~
!~
( ~
*
~
%~
fj~
~
~
~ %%Depreciation and amortization~
~
~
~
%~
z~
~
~
% Total operating expenses~
Ξ~
~
~
%~
~
~
~
%$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/0wk_2y=PF0*8X>
@J)
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICES!NET INCOME ATTRIBUTABLE TO NONCWorking capital!COMPUTATION OF RATIO OF EARNINGU }0.}
$ }U}$}$ }U}$
EURONET WORLDWIDE INC10Q
11/02/2018#OTHER INCOME (EXPENSE), NET
Three Months Ended
YearoverYear Change
Nine Months Ended
YearoverYear Change
September 30,
September 30,%(dollar amounts in thousands)~
~
"
Increase (Decrease) Amount
#Increase (Decrease) Percent~
~
"Increase (Decrease) Amount#Increase (Decrease) Percent
Interest income
~
~
~
~
%
~
~
f
~
>
~
:
%Interest expense~
O~
k ~
~
J %~
;~
zx~
j~
> %+#Loss from unconsolidated affiliates  

n/m~
. ~
.n/m.&Foreign currency exchange (loss) gain,~
~
~
U
n/m~
~
H~
hn/mnetOther (loss) gains~
z  ~
z
n/m~
j~
~
n/mOther expense, net~
)~
~
8
n/m~
~
~
n/m$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/6znbV)$,j=PF0*8X>
@5
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NETWorking capital!COMPUTATION OF RATIO OF EARNINGU }I"}$ }I }$ }0
EURONET WORLDWIDE INC10Q
11/02/2018;3NET INCOME ATTRIBUTABLE TO NONCONTROLLING INTERESTS
Subsidiary
Percent
Segment  Country
Owned
Movilcarga95%epay  Spain
Euronet China
85%
EFT  ChinaEuronet Pakistan70%EFT  Pakistan$Euronet Infinitium Solutions65%EFT  India$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/.AnbVJ>{&r=PF0*8X>
@
l +
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONC!COMPUTATION OF RATIO OF EARNINGU }1}$
EURONET WORLDWIDE INC10Q
11/02/2018Working capital
Nine Months Ended
September 30, Liquidity~
~
0
(Cash and cash equivalents and restricted
#cash provided by (used in):Operating activities~
~
RInvesting activities~
^~
f{Financing activities~
~
^0(Effect of foreign currency exchange rate~
~
C0(changes on cash and cash equivalents andrestricted cash1)Increase in cash and cash equivalents and~
q~
3restricted cash$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/:4znbw8d0yQ=PF0*8X>
@
l
dMbP?_*+%,&٭e2?'٭e2?(٭e2?)٭e2?",D/??"EURONET WORLDWIDE INCEURONET WORLDWIDE INC (1)Table of ContentsCONSOLIDATED BALANCE SHEETS!CONSOLIDATED STATEMENTS OF INCO!CONSOLIDATED STATEMENTS OF COMP!CONSOLIDATED STATEMENTS OF CASHDisaggregation of Revenues Disaggregation of Revenues (1)Earnings Per Share!Accumulated Other Comprehensive!Accumulated Other Comprehen (1)!Accumulated Other Comprehen (2)Balance Sheet Presentation!Offsetting of Derivative Assets!Offsetting of Derivative Liabil!Offsetting of Derivative Li (1)!Offsetting of Derivative Li (2)!Offsetting of Derivative Li (3)Segment ReportingSegment Reporting (1)Segment Reporting (2)Segment Reporting (3)Segment Reporting (4)!SEGMENT SUMMARY RESULTS OF OPER!SEGMENT SUMMARY RESULTS OF (1)!Impact of changes in foreign cuEFT PROCESSING SEGMENTEPAY SEGMENTMONEY TRANSFER SEGMENTCORPORATE SERVICESOTHER INCOME EXPENSE NET!NET INCOME ATTRIBUTABLE TO NONCWorking capitalU }2}$
EURONET WORLDWIDE INC10Q
11/02/201891COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
Three Months Ended
Nine Months Ended
September 30,
September 30,%(dollar amounts in thousands)~
~
~
~
0
(Pretax income before adjustment for loss
~
_
~
Z
~
"}
~
Κ
( from unconsolidated subsidiariesAdd:
Fixed charges~
j~
~
Z]
~
Adjusted pretax income~
I ~
~
z
~
Fixed charges:
Interest expense~
~
~
"
~
2*Estimate of interest within rental expense~
V9~
/ ~
:
~
:yTotal fixed charges~
j~
~
Z]
~
*"Ratio of earnings to fixed chargesffffff$@ffffff$@
ffffff@
333333@$____________________________1)Created by Morningstar Document Research.0(http://documentresearch.morningstar.com/<pdXL@t.b6[_=PF0*8X>
@:'
Root Entry FBook
K
!"#$%&'()*+,./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{}~
!"#$%&'()*+,./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijkl