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2013 Annual Report

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EXPANSIVE NETWORK STRONG GROWTH ANNUAL REPORT 20 13 EXPANSIVE NETWORK. STRONG GROWTH. Networks, defined as groups or systems of interconnected people or things, can be found almost anywhere you look. From the network of a successful business, to the roots of a grand Sequoia forest, networks support growth. The Sequoias, for example, stand at nearly 300 feet but they’re supported by a root system only 14-feet deep. This growth is made possible because those trees do not grow alone. Instead, they thrive in pods, which create the expansive network of roots that serve as their sturdy foundation. At Euronet, we believe our global network is the foundation of our business. From one ATM in Budapest, Hungary in 1995, to almost a million touch points around the world, our expansive network is behind our strong growth. This year’s annual report uses the sequoia tree as an analogy for Euronet’s business in order to demonstrate the strength, stability and growth potential of a business built on a strong and growing network. From tiny seeds do mighty trees grow. And from humble beginnings do powerful businesses blossom. Euronet saw operating income growth of 36% in 2013. OUR ROOTS. Euronet Worldwide, Inc. (NASDAQ: EEFT), headquartered in Leawood, KS, USA, is a leading global electronic payments provider and distributor. Through three business segments – Electronic Financial Transactions (EFT), epay Prepaid Products, and Ria Money Transfer Services – Euronet offers a diverse portfolio of electronic payment alternatives to customers in approximately 155 countries. Our customers include financial institutions, mobile operators, leading global and local content providers, retailers, merchants, merchant acquirers and individual consumers. Our product offerings include comprehensive automated teller machine (ATM) services, point-of-sale (POS) processing, card outsourcing services and other value added products; electronic distribution of prepaid mobile airtime and other prepaid content and mobile operator solutions; and global consumer money transfer services. Through our 4,100 hard-working, dedicated employees in 51 countries on six continents, we bring convenience to customers using electronic financial payment solutions. 1 FINANCIAL HIGHLIGHTS Revenue Adjusted EBITDA (millions) 2013(millions) $1,413 $194 $1,268 $ $1,161 163 $1,033 $1,038 $150 $142 $144 Revenue Adjusted EBITDA* (millions) (millions) 2010 2011 2012 2013 2009 2010 2011 2012 2013 2009 Adjusted Operating Income Adjusted Cash Earnings Per Share (millions) $118 $87 $2.04 $79 Adjusted $78 $77 $ $1.48 1.57 Operating $1.31 $1.36 Income* Adjusted Cash (millions) Earnings Per Share* 2010 2011 2012 2013 2009 2010 2011 2012 2013 2009 Transactions (millions) Diluted Earnings (Loss) Per Share 2,308 2,338 2,031 $1.69 1,706 1,499 Diluted Earnings $0.71 $0.59 Transactions (Loss) Per Share $0.40 (millions) (GAAP as reported) 2011 2012 2013 2009 2010 2010 2011 2012 2013 2009 Total Equity ($0.75)Total Assets (millions) (millions) $1,598 $1,552 $638 $1,506 $567 $519 $527 $527 $1,413 $1,409 Total Equity Total Assets (millions) (millions) 2010 2011 2012 2013 2009 2010 2011 2012 2013 2009 Note: We believe that adjusted operating income, adjusted EBITDA and adjusted cash earnings per share provide useful information to investors because they are indicators of the strength and performance of our ongoing business operations. While certain of these calculations are used more fully to describe the results of the business, others are commonly used as a basis for investors, analysts and credit rating agencies to evaluate and compare the operating performance and value of companies within the payment processing industry. * On page 127, we have defined adjusted operating income, adjusted EBITDA and adjusted cash earnings per share (Cash EPS) terms and provided a reconciliation of these non-GAAP financial measures to their most directly comparable U.S. GAAP financial measures. 2 TO OUR SHAREHOLDERS We live in a vastly different world from when I founded Euronet in 1994. The marketplace has moved from local to global and technology is developing so quickly that companies and consumers alike are having trouble keeping up with the pace. For Euronet, the new global marketplace is ripe with opportunities for us to serve our mission: to bring financial payment convenience to those who have not had it before. We are able to more quickly and efficiently enter new markets and introduce new products to new and existing locations within each of our three business segments. Our network serves as the foundation of our business and earnings expansion, just as a sequoia tree is supported by an expansive root system covering up to one acre of land. On the surface, the equation appears to be simple. The more locations you add, the more customers you can serve. However, as you dig deeper, the components required to fuel that growth are more complex. The business model from which we operate includes three segments with solid networks that overlap to provide additional stability to the company as a whole. We work diligently to add new locations to the networks of each segment. As we add a new location, we can quickly introduce all of the products in our portfolio. This, in turn, increases our earnings. The complexity comes in the innovation. As we develop or add new products and services to our portfolio, we don’t just add the product to one ATM or one location; we are able to add the product to all of the locations – in all of the countries we operate within that segment. Our strength in quickly developing and distributing products to our entire network permits an exponential increase in product availability, which is reflected in our record adjusted cash earnings per share for 2013. MICHAEL J. BROWN CHAIRMAN AND CEO 3 growing in the right direction. While functionally autonomous, Euronet’s three business segments contain synergies that allow us to cross-sell our products. Whether it be the similar customer base in epay and Ria that allows our retailers and agents to cross-sell prepaid products and money transfers in their stores, or our ATM network that allows money transfer recipients to pick up their funds at a Euronet ATM — our extensive network provides growth opportunities for each of our segments. This year, these synergies came together in our first Euronet Store, located at Alexanderplatz, in Berlin, Germany. 2013 Revenue & Adjusted EBITDA Mix By Segment Revenue Mix* Adjusted EBITDA Mix* 13% 26% 2013 Revenue 2013 Adjusted margin Ria = $1,415M EBITDA = $216M 23% Ria 10% margin 34% 53% epay epay 31% margin 43% EFT 21% EFT *Revenue, Adjusted EBITDA & Percent EBITDA Margin by segment excludes eliminations and expenses incurred by corporate services. 4 financial overview Rising above the rest. Financial highlights of the business for 2013 as compared with the prior year are presented below. In certain circumstances, we present adjusted financial highlights to supplement those prepared and presented according to U.S. Generally Accepted Accounting Principles (GAAP). Euronet had an outstanding year in 2013. Our double-digit consolidated earnings growth was the result of our ability to utilize our network and product portfolio to drive earnings in new and existing channels in each of our three segments. In EFT, we continued to expand our ATM network and add value added products across our own ATMs as well as our customers’ ATM networks. The combination of more units and more products in more locations drove significant earnings expansion in this segment. Dendrochronology is the study and dating of epay returned to growth during the year, despite facing continued challenges in Australia, Brazil annual rings in trees. and Spain. These challenges were offset by continued expansion of our non-mobile product In 2013, Euronet added portfolio both by adding new global brands and adding existing brands to additional locations a new “ring” with the across our retail network. We launched leading global content across new distribution channels – acquisition of Pure including online and mobile banking applications as well as through mobile wallets. Increased Commerce in January demand for our mobile operator solutions also contributed to epay’s earnings growth. 2013. Money Transfer had another strong year. We expanded our network geographically through new send and payout locations, while also expanding the availability of ancillary products, which enhanced the brand value for consumers and our agent partners. We continued to strengthen our balance sheet. We ended 2013 with approximately $210 million in unrestricted cash and $205 million in total debt. We generated more than $100 million in cash from operations and made nearly $100 million in debt payments during the year. We made one noteworthy acquisition during 2013. In January, we acquired Pure Commerce, a fast-growing provider of cloud-based financial services to banks, merchant acquirers and retailers around the world. The acquisition of Pure Commerce extended our value added service portfolio to POS terminals in new and existing markets, further strengthening our global EFT presence. With our strong liquidity position and more cash than Our 30% increase in Adjusted Cash EPS was driven by these highlights for 2013 compared to 2012: debt, we will continue to consider acquisitions that would • Revenue of $1,413.1 million compared with be accretive to our business. $1,267.6 million • Adjusted operating income* of $117.5 million compared with $86.7 million • Adjusted EBITDA* of $194.0 million compared with $162.8 million • Adjusted cash earnings per share* of $2.04 compared with $1.57 As our network and earnings become more • Transactions of 2,338 million compared geographically diverse we better protect our with 2,308 million earnings from local volatility. *On page 127, we have defined adjusted operating income, adjusted EBITDA and adjusted cash earnings per share terms and provided a reconciliation of these non-GAAP financial measures to their most directly comparable U.S.
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