Euronet Worldwide — Feb 12, 2026 release

  To further accelerate our digital strategy, approximately one year ago we launched a focused initiative to expand our wholesale, SME, and consumer digital money transfer offerings, enhance the end-to-end customer experience, and increase targeted marketing to drive customer acquisition and engagement. This initiative resulted in a $20.4 million charge in the fourth quarter 2025. We expect this investment to generate approximately $40.0 million in annual run-rate benefits, with a portion flowing through to operating income, and to drive a meaningful improvement in Money Transfer segment margins of approximately 50 to 75 basis points in 2026.   Corporate and Other reports $ 26.3 million of expense for the fourth quarter   2025   compared with $ 21.0 million for the   fourth quarter   2024 . For the full year   2025 , Corporate and Other reports $ 92.4   million of expense compared with $ 83.7   million for the full year   2024 . The increase in corporate expenses for both the fourth quarter and full year 2025 is largely the result of an increase in long-term share based compensation.     Balance Sheet and Financial Position Unrestricted cash and cash equivalents on hand were $ 1,040.3   million   as of   December 31, 2025 , compared to $1,172.5 million as of September 30, 2025.   The net decrease in unrestricted cash and cash equivalents during the quarter is mainly due to working capital fluctuations, debt repayments and   $ 225.0 million for approximately 3 million shares repurchased, partially offset by cash generated from operations.   Moreover, approximately 2.6 million shares were issued to complete the CoreCard acq