Euronet Worldwide, Inc.

Greetings and welcome to the Euronet Worldwide 3rd Quarter 2026 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, press star 1-1 again. Please be advised that today's conference is being recorded. It is now my pleasure to introduce your host, Ms. Stephanie Taylor. Ms. Taylor, you may begin.

Thank you. Good morning and welcome to Euronet's third quarter 2026 earnings conference call. On the call, we have Mike Brown, our chairman and CEO, and 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 future performance are forward-looking statements. Euronet'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 the second slide of our presentation. In addition, the PowerPoint presentation includes a reconciliation of the non-GAAP financial measures we will be using during the call to the most comparable GAAP measures. Now I'll turn the call over to our Chairman and CEO, Mike Brown.

Thank you, Steph, and good morning, and thank you all for joining us. I'll begin my comments on slide number four. Before discussing the quarter, I want to acknowledge that 2026 has been a more challenging year than we anticipated. We continue to experience significant pressure in our cross-border payments business, driven primarily by U.S. immigration policy changes, along with pockets of broader macroeconomic uncertainty that have impacted all three segments to varying degrees. As reflected in our earnings release this morning, these headwinds have been more persistent than we expected when we gave our outlook earlier this year, leading us to revise our full-year guidance. While the current environment is challenging, it's important to keep it in perspective. Throughout our more than 30-year history, Urinet has successfully navigated periods of external disruption, including the global financial crisis, India's demonetization, and the COVID pandemic. Those events were outside of our control, just as today's immigration and macroeconomic factors are. What remains within our control is how we execute, and we remain focused on serving our customers, investing in our strategic priorities, and positioning the business for sustainable long-term growth. We remain competent in the direction of the business. Our global network, loyal customer base, and geographic diversity represent valuable assets that are difficult and very costly to replicate, providing a strong foundation for long-term growth. The strategic framework we outlined in our investor day in May has not changed. We continue to see meaningful opportunities to expand our digital capabilities, grow our participation in key payment flows, and leverage our global network. While current market conditions have created pressure, they do not alter our confidence in the long-term growth opportunities ahead of us. And while the earnings results for the third quarter did not meet our expectations, the progress we are making across the business is evident in both our operating performance and strategic initiatives as we continue to bring them to market. To that end, our digital accelerator revenue grew 30% in the quarter and 33% year-to-date, underscoring the momentum of these initiatives. They are further expanded by several recent announcements, including our white-label stablecoin-funded card program, our partnership with Diebold, and the introduction of Olan. It is important to highlight that Euronet remains a highly profitable and cash-generative business. Although performance is below the levels we have historically produced, we continue to expect full-year revenue and earnings growth and strong free cash flow generation. Our strong financial position allows us to continue investing in our growth initiatives while returning capital to shareholders through disciplined share repurchases. During the quarter, we repurchased approximately 690,000 shares for $50 million. These repurchases reflect our confidence in the long-term value of the business and our commitment to shareholders. With that, I'll turn the call over to Rick, who will provide more details on our third quarter results.