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Euronet Worldwide cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$199M in Q3 2026 · $307M over twelve months

Operating cash flow$226M
Capital spending−$26.7M
Free cash flow+$199M
Cash / net income2.0×

Analysis

In Q3 2026, Euronet Worldwide generated $226M of operating cash flow and spent $26.7M on capital projects, leaving free cash flow of $199M. That is $38.2M more than in Q3 2025 ($161M).

Over the twelve months to Sep 30, 2026, operating cash flow was $430M; the largest uses were buybacks ($426M), capital spending ($123M), net borrowing (+) / repaid (−) ($110M); besides operations, cash came from acquisitions ($23.6M), shares issued ($1.5M); the cash balance fell by $289M.

Operating cash flow was $226M against net income of $114M — 2.0× profit, cash ran ahead of reported earnings. The largest differences: receivables +$113M, prepaid and other assets −$62.4M, depreciation & amortization +$39.5M.

Free cash flow

Euronet Worldwide: free cash flow by quarterEuronet Worldwide: free cash flow by quarter$46.1MQ4 2024−$21.7MQ1 2025$148MQ2 2025$161MQ3 2025$146MQ4 2025−$150MQ1 2026$112MQ2 2026$199MQ3 2026
Operating cash flow less capital spending.
Euronet Worldwide: operating cash flow against capital spendingEuronet Worldwide: operating cash flow against capital spendingOperating cash flowCapital spending$80.3M$34.2MQ4 2024$1.7M$23.4MQ1 2025$183M$34.4MQ2 2025$197M$36.1MQ3 2025$178M$31.6MQ4 2025−$122M$28.5MQ1 2026$148M$36.1MQ2 2026$226M$26.7MQ3 2026
Latest (Q3 2026): Operating cash flow $226M, Capital spending $26.7M.

Capital allocation, year by year

Euronet Worldwide: where the cash came from (up) and went (down), by fiscal yearEuronet Worldwide: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $406MFY2021: Net borrowing $13.0MFY2021: Shares issued $10.8MFY2021: Capital spending −$92.2MFY2021: Buybacks −$230M$430MFY2021FY2022: Operating cash flow $748MFY2022: Net borrowing $174MFY2022: Shares issued $9.1MFY2022: Capital spending −$104MFY2022: Acquisitions −$343MFY2022: Buybacks −$176M$931MFY2022FY2023: Operating cash flow $643MFY2023: Net borrowing $229MFY2023: Shares issued $7.8MFY2023: Capital spending −$94.4MFY2023: Acquisitions −$1.3MFY2023: Buybacks −$378M$880MFY2023FY2024: Operating cash flow $733MFY2024: Net borrowing $120MFY2024: Shares issued $17.2MFY2024: Capital spending −$117MFY2024: Acquisitions −$91.6MFY2024: Buybacks −$269M$870MFY2024FY2025: Operating cash flow $560MFY2025: Net borrowing −$6.3MFY2025: Shares issued $9.0MFY2025: Capital spending −$126MFY2025: Acquisitions $24.0MFY2025: Buybacks −$668M$593MFY2025
Over these 5 years operating cash flow totalled $3.1B; the largest uses were buybacks ($1.7B) and capital spending ($534M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$955M
Debt$2.2B
Net debt$1.2B

Euronet Worldwide funds itself: free cash flow was $307M over the last twelve months, and $955M of cash and investments stands against $2.2B of debt.

Where the cash came from and went

Euronet Worldwide: sources (+) and uses (−) of cash, Q3 2026Euronet Worldwide: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$473MCash drawn (+) / kept (−)$340MOperating cash flow$226MBuybacks−$50.0MCapital spending−$26.7MExchange rates−$20.7MOther investing$3.7MShares issued$800KAsset & business sales$400KOther financing−$100K
Euronet Worldwide: sources (+) and uses (−) of cash, TTM to Q3 2026Euronet Worldwide: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$430MBuybacks−$426MCash drawn (+) / kept (−)$289MCapital spending−$123MNet borrowing (+) / repaid (−)−$110MExchange rates−$84.1MAcquisitions$23.6MShares issued$1.5MOther financing−$1.4MOther investing−$500KPartners$300K

From profit to cash

Euronet Worldwide: net income to operating cash flow, Q3 2026Euronet Worldwide: net income to operating cash flow, Q3 2026Net income$114MDepreciation & amortization$39.5MStock-based pay$16.7MDeferred taxes$2.8MReceivables$113MPayables$7.1MAccrued liabilities$2.2MDeferred revenue−$4.2MPrepaid and other assets−$62.4MOperating cash flow$226M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$226M−$26.7M—−$50.0M−$473M$800K$340M$199M
Q2 2026$148M−$36.1M−$6.6M−$47.6M$806M—−$127M$112M
Q1 2026−$122M−$28.5M−$3.1M−$102M$544M—−$251M−$150M
Q4 2025$178M−$31.6M$33.3M−$226M−$286M$3.0M$328M$146M
Q3 2025$197M−$36.1M−$12.5M−$131M−$1.3B$2.5M$230M$161M
Q2 2025$183M−$34.4M$3.3M−$247M$163M$1.8M−$231M$148M
Q1 2025$1.7M−$23.4M−$100K−$63.2M$224M$1.7M−$201M−$21.7M
Q4 2024$80.3M−$34.2M−$300K−$51.0M—$12.7M$454M$46.1M

Euronet Worldwide: income statement and cash flow

Euronet Worldwide, Q3 2026: revenue $1.2B (+1% year over year), operating margin 14.8%. The chart follows the revenue to costs, profit and cash.

Euronet Worldwide: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.