EEFT — what changed in the latest 10-Q
A section-by-section comparison of EEFT's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-11-04 vs the prior 10-Q · 2026-08-04
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +4 | −4 | ~61 | 33 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~12 | 3 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | Text added/removed | 0 | 0 | ~2 | 3 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-11-04
Interest expense was $21.7 million for the three months ended September 30, 2026, a decrease of $0.8 million or 4% compared to the same period in 2025. Interest expense was $56.4 million for the nine months ended September 30, 2026, a decrease of $13.7 million or 20% compared to the same period in 2…
Net income attributable to Euronet was $113.6 million for the three months ended September 30, 2026, a decrease of $8.4 million or 7% compared to the same period in 2025. The decrease in net income was primarily attributable to a $23.4 million decrease in operating income, partially offset by a $9.4…
The Company believes its cash on hand, cash generated from operations and available borrowing capacity under its revolving credit facilities provide sufficient liquidity to fund its working capital requirements, capital expenditures, debt service obligations, share repurchases and strategic growth i…
Cash flows used in financing activities were $25.6 million for the nine months ended September 30, 2026 compared to $278.9 million for the same period in 2025. The decrease was primarily due to net borrowings under the credit agreements in 2026 compared to net repayments in 2025 and lower share repu…
Text removed vs the prior filing · source: 10-Q · 2026-08-04
Interest expense was $20.6 million for the three months ended June 30, 2026, a decrease of $7.6 million or 27% compared to the same period in 2025. Interest expense was $34.7 million for the six months ended June 30, 2026, a decrease of $12.9 million or 27% compared to the same period in 2025. This …
Net income attributable to Euronet was $77.4 million for the three months ended June 30, 2026, a decrease of $20.2 million or 21% compared to the same period in 2025. The decrease in net income was primarily attributable to a $13.1 million increase in income tax expense and a $21.5 million decrease …
The Company believes its cash on hand, cash generated from operations and available borrowing capacity under its revolving credit facilities provide sufficient liquidity to fund its working capital requirements, capital expenditures, debt service obligations, share repurchases and strategic growth i…
Cash flows provided by financing activities were $496.8 million for the six months ended June 30, 2026 compared to $79.2 million for the same period in 2025. The increase was primarily due to higher net borrowings under the Company's credit agreements.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice