Euronet Worldwide, Inc.

Greetings and welcome to the Euronet Worldwide Second Quarter 2025 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, again, press the star one. It is now my pleasure to introduce your host, Mr. Adam Gutters, General Counsel of Euronet Worldwide. Thank you. Mr. Guthers, you may begin.

Thank you. Good morning, everyone, and welcome to Euronet's second quarter 2025 earnings conference call today. On the call, we have Mike Brown, our Chairman and CEO, as well as Rick Weller, our CFO. Before we begin, I need to call your attention to the forward-looking statements disclaimer on the second slide of the PowerPoint presentation we will be making today. Statements made on this call that concern Euronet or its management's intentions, expectations, or predictions of further performance are forward-looking statements. Uranet's actual results may vary materially from those anticipated in these forward-looking statements as a result of a number of factors that are listed on that second slide of our presentation. In addition, the PowerPoint presentation includes a reconciliation of the non-GAAP financial measures we'll be using during the call to their most comparable GAAP measures. At this time, I'll turn the call over to our CEO, Mike Brown.

Thank you, Adam, and thank you, everybody, for joining us on our call today. I'll begin my comments on slide number five. But before I jump into the quarterly results, I'm sure you read our release last night where we announced the acquisition of CoreCard, a leading-edge proven scaled credit card processing platform. This acquisition is exciting in so many ways. First and foremost, it extends our strategy into the digital payments processing space. CourtCard perfectly complements our REN platform with a modern revolving credit technology that is proven at scale. Moreover, I'll remind you that issuing and processing of cards is not new to us. We already process tens of millions of cards across Europe and Asia. The addition of this leading credit platform gives us yet more growth opportunities and as it enables us to go after the $10 billion plus revenue TAM market with very attractive operating margins approaching 50% and elevated market rates of growth in large markets where we have strong footholds, Europe and Asia. And finally, it is not just a consumer credit. It's not just consumer credit. CoreCard also serves as a business lending sector. Let me continue my excitement. As Core Card was not enough, just this week, we signed a significant REN deal with one of the three largest U.S. banks. We've been in pursuit of this deal for a couple of years, which makes this announcement that much more exciting. Our REN technology will be used to drive thousands of ATMs across the country. Clearly, this was a very competitive process across all industry leaders. And so to be selected for this deal, it really underscores the capability and confidence that banking leaders have in our REN platform. These two deals further our digital strategy. And while we are excited that these deals will contribute to growth in future quarters, I don't want to overlook the great operating performance of the business this quarter. The second quarter, we delivered constant currency operating income growth year-over-year of 13%. I think this number underscores the strength of our business, and these exciting digital announcements further position us to continue our 20-year track record of double-digit earnings growth. We're a growth business with even more exciting opportunities today than yesterday. Now, I will hand it off to Rick to discuss our results in more detail.