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    Gus Gala • Monness, Crespi, Hardt & Co., Inc.

    Gus Gala's questions to Euronet Worldwide Inc (EEFT) leadership

    Gus Gala's questions to Euronet Worldwide Inc (EEFT) leadership • Q2 2025

    Question

    Gus Gala of Monness, Crespi, Hardt & Co., Inc. asked about the potential to improve CoreCard's margins, the unit economics of the new U.S. bank deal, and current performance trends in the Money Transfer segment for July.

    Answer

    Chairman, CEO & President Michael Brown confirmed they see opportunities for cost synergies and margin improvement at CoreCard, primarily by increasing transaction volume. EVP & CFO Rick Weller characterized the U.S. bank deal as a high-margin software transaction but emphasized its strategic importance over immediate P&L impact. Mr. Brown highlighted that the Money Transfer segment 'crushed it' and saw a 'big uptick' in July over June for both digital and retail channels, with no signs of a trough.

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    Gus Gala's questions to Visa Inc (V) leadership

    Gus Gala's questions to Visa Inc (V) leadership • Q3 2025

    Question

    Gus Gala of Monness, Crespi, Hardt & Co., Inc. asked about the realism of fiscal 2026 volume acceleration expectations and inquired about the impact of lower bank activity levels on deal timing.

    Answer

    CEO Ryan McInerney discussed the strong momentum in the value-added services (VAS) business, driven by a multi-faceted strategy. CFO Chris Suh addressed fiscal 2026 by stating that while the company is in its planning phase and sees significant opportunity, more detailed guidance will be provided on the next earnings call.

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    Gus Gala's questions to Visa Inc (V) leadership • Q3 2025

    Question

    Gus Gala of Monness, Crespi, Hardt & Co., Inc. questioned the market's expectation for an acceleration in volume for fiscal 2026, asking if this is realistic. He also inquired about deal timing and potential slowdowns in bank activity.

    Answer

    CEO Ryan McInerney addressed the Value-Added Services (VAS) momentum, noting the strategy to enable all payment types is gaining traction. CFO Chris Suh commented on fiscal 2026 planning, stating that while it's early, the company is evaluating various macro scenarios, renewals, and pricing, and sees tremendous opportunity across its three growth engines. He deferred a detailed outlook to the next earnings call.

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    Gus Gala's questions to Visa Inc (V) leadership • Q3 2025

    Question

    Gus Gala of Monness, Crespi, Hardt & Co., Inc. asked about the feasibility of volume acceleration in fiscal 2026 and inquired about any impacts from lower bank activity levels or deal timing shifts.

    Answer

    CEO Ryan McInerney addressed the second part by highlighting the strong, broad-based momentum in the Value-Added Services business. CFO Chris Suh responded to the fiscal 2026 question by stating that while the company is in its planning phase and sees tremendous opportunity, it will provide detailed guidance on the next earnings call.

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