EURONET WORLDWIDE INC (EEFT)
US2987361092 - Common Stock
EEFT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. EEFT has only an average score on both its financial health and profitability. EEFT scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes EEFT very considerable for value investing!
1. Profitability
1.1 Basic Checks
EEFT had positive earnings in the past year.
In the past year EEFT had a positive cash flow from operations.
Of the past 5 years EEFT 4 years were profitable.
In the past 5 years EEFT always reported a positive cash flow from operatings.
1.2 Ratios
EEFT has a Return On Assets of 5.25%. This is in the better half of the industry: EEFT outperforms 77.78% of its industry peers.
EEFT's Return On Equity of 24.24% is amongst the best of the industry. EEFT outperforms 86.87% of its industry peers.
EEFT's Return On Invested Capital of 11.98% is amongst the best of the industry. EEFT outperforms 85.86% of its industry peers.
EEFT had an Average Return On Invested Capital over the past 3 years of 7.98%. This is in line with the industry average of 7.84%.
The 3 year average ROIC (7.98%) for EEFT is below the current ROIC(11.98%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 24.24% | ||
| ROIC | 11.98% |
ROA(3y)3.5%
ROA(5y)3.58%
ROE(3y)15.52%
ROE(5y)13.66%
ROIC(3y)7.98%
ROIC(5y)7.71%
1.3 Margins
With a Profit Margin value of 8.46%, EEFT perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
In the last couple of years the Profit Margin of EEFT has declined.
The Operating Margin of EEFT (12.25%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of EEFT has declined.
EEFT has a better Gross Margin (39.88%) than 61.62% of its industry peers.
In the last couple of years the Gross Margin of EEFT has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.25% | ||
| PM (TTM) | 8.46% | ||
| GM | 39.88% |
OM growth 3Y23.88%
OM growth 5Y-4%
PM growth 3YN/A
PM growth 5Y-3.75%
GM growth 3Y2.87%
GM growth 5Y-0.78%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), EEFT is creating some value.
The number of shares outstanding for EEFT has been reduced compared to 1 year ago.
EEFT has less shares outstanding than it did 5 years ago.
EEFT has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.02 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
EEFT's Altman-Z score of 2.02 is fine compared to the rest of the industry. EEFT outperforms 71.72% of its industry peers.
The Debt to FCF ratio of EEFT is 3.42, which is a good value as it means it would take EEFT, 3.42 years of fcf income to pay off all of its debts.
EEFT has a Debt to FCF ratio of 3.42. This is in the better half of the industry: EEFT outperforms 67.68% of its industry peers.
EEFT has a Debt/Equity ratio of 0.88. This is a neutral value indicating EEFT is somewhat dependend on debt financing.
EEFT has a Debt to Equity ratio (0.88) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 3.42 | ||
| Altman-Z | 2.02 |
ROIC/WACC1.63
WACC7.36%
2.3 Liquidity
A Current Ratio of 1.26 indicates that EEFT should not have too much problems paying its short term obligations.
With a Current ratio value of 1.26, EEFT perfoms like the industry average, outperforming 59.60% of the companies in the same industry.
EEFT has a Quick Ratio of 1.26. This is a normal value and indicates that EEFT is financially healthy and should not expect problems in meeting its short term obligations.
EEFT's Quick ratio of 1.26 is fine compared to the rest of the industry. EEFT outperforms 60.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.26 | ||
| Quick Ratio | 1.26 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.40% over the past year.
The Earnings Per Share has been growing slightly by 6.09% on average over the past years.
EEFT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.46%.
EEFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.77% yearly.
EPS 1Y (TTM)20.4%
EPS 3Y38.55%
EPS 5Y6.09%
EPS Q2Q%11.4%
Revenue 1Y (TTM)8.46%
Revenue growth 3Y14.1%
Revenue growth 5Y7.77%
Sales Q2Q%9.49%
3.2 Future
EEFT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.09% yearly.
EEFT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.99% yearly.
EPS Next Y17.13%
EPS Next 2Y15.12%
EPS Next 3Y14.09%
EPS Next 5YN/A
Revenue Next Year8.59%
Revenue Next 2Y8.17%
Revenue Next 3Y7.99%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.28, which indicates a correct valuation of EEFT.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than the industry average as 61.62% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.73. EEFT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.43, which indicates a very decent valuation of EEFT.
EEFT's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of EEFT to the average of the S&P500 Index (22.83), we can say EEFT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 10.43 |
4.2 Price Multiples
85.86% of the companies in the same industry are more expensive than EEFT, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, EEFT is valued cheaper than 90.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.83 | ||
| EV/EBITDA | 7.37 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EEFT has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as EEFT's earnings are expected to grow with 14.09% in the coming years.
PEG (NY)0.72
PEG (5Y)2.02
EPS Next 2Y15.12%
EPS Next 3Y14.09%
5. Dividend
5.1 Amount
No dividends for EEFT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EURONET WORLDWIDE INC
NASDAQ:EEFT (12/20/2024, 8:06:36 PM)
After market: 103.67 0 (0%)103.67
+0.57 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.46%
Inst Owner Change-0.16%
Ins Owners6.19%
Ins Owner Change2.76%
Market Cap4.55B
Analysts82.35
Price Target130.22 (25.61%)
Short Float %2.94%
Short Ratio4.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.66%
Min EPS beat(2)-4.78%
Max EPS beat(2)-2.55%
EPS beat(4)2
Avg EPS beat(4)4.49%
Min EPS beat(4)-4.78%
Max EPS beat(4)20.63%
EPS beat(8)3
Avg EPS beat(8)3.22%
EPS beat(12)5
Avg EPS beat(12)1.06%
EPS beat(16)7
Avg EPS beat(16)1.01%
Revenue beat(2)1
Avg Revenue beat(2)-1.88%
Min Revenue beat(2)-3.97%
Max Revenue beat(2)0.21%
Revenue beat(4)1
Avg Revenue beat(4)-1.25%
Min Revenue beat(4)-3.97%
Max Revenue beat(4)0.21%
Revenue beat(8)3
Avg Revenue beat(8)-1.25%
Revenue beat(12)4
Avg Revenue beat(12)-1.23%
Revenue beat(16)8
Avg Revenue beat(16)-0.04%
PT rev (1m)1.23%
PT rev (3m)-2.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.5%
EPS NY rev (1m)0.1%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.23%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 10.43 | ||
| P/S | 1.17 | ||
| P/FCF | 6.83 | ||
| P/OCF | 5.78 | ||
| P/B | 3.34 | ||
| P/tB | 1686.75 | ||
| EV/EBITDA | 7.37 |
EPS(TTM)8.44
EY8.14%
EPS(NY)9.94
Fwd EY9.59%
FCF(TTM)15.18
FCFY14.64%
OCF(TTM)17.94
OCFY17.31%
SpS88.78
BVpS31
TBVpS0.06
PEG (NY)0.72
PEG (5Y)2.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 24.24% | ||
| ROCE | 16.96% | ||
| ROIC | 11.98% | ||
| ROICexc | 69.14% | ||
| ROICexgc | N/A | ||
| OM | 12.25% | ||
| PM (TTM) | 8.46% | ||
| GM | 39.88% | ||
| FCFM | 17.09% |
ROA(3y)3.5%
ROA(5y)3.58%
ROE(3y)15.52%
ROE(5y)13.66%
ROIC(3y)7.98%
ROIC(5y)7.71%
ROICexc(3y)18.49%
ROICexc(5y)17.11%
ROICexgc(3y)122.67%
ROICexgc(5y)95.23%
ROCE(3y)11.29%
ROCE(5y)10.92%
ROICexcg growth 3Y41.84%
ROICexcg growth 5YN/A
ROICexc growth 3Y35.27%
ROICexc growth 5Y-5.73%
OM growth 3Y23.88%
OM growth 5Y-4%
PM growth 3YN/A
PM growth 5Y-3.75%
GM growth 3Y2.87%
GM growth 5Y-0.78%
F-Score5
Asset Turnover0.62
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 3.42 | ||
| Debt/EBITDA | 1.96 | ||
| Cap/Depr | 91.49% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | 6.9 | ||
| Cash Conversion | 129.07% | ||
| Profit Quality | 201.97% | ||
| Current Ratio | 1.26 | ||
| Quick Ratio | 1.26 | ||
| Altman-Z | 2.02 |
F-Score5
WACC7.36%
ROIC/WACC1.63
Cap/Depr(3y)77.98%
Cap/Depr(5y)88.2%
Cap/Sales(3y)3.16%
Cap/Sales(5y)3.75%
Profit Quality(3y)300.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.4%
EPS 3Y38.55%
EPS 5Y6.09%
EPS Q2Q%11.4%
EPS Next Y17.13%
EPS Next 2Y15.12%
EPS Next 3Y14.09%
EPS Next 5YN/A
Revenue 1Y (TTM)8.46%
Revenue growth 3Y14.1%
Revenue growth 5Y7.77%
Sales Q2Q%9.49%
Revenue Next Year8.59%
Revenue Next 2Y8.17%
Revenue Next 3Y7.99%
Revenue Next 5YN/A
EBIT growth 1Y15.35%
EBIT growth 3Y41.34%
EBIT growth 5Y3.46%
EBIT Next Year52.09%
EBIT Next 3Y23.04%
EBIT Next 5YN/A
FCF growth 1Y52.25%
FCF growth 3Y53.88%
FCF growth 5Y14.33%
OCF growth 1Y43.08%
OCF growth 3Y36.39%
OCF growth 5Y10.12%