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EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

USA - NASDAQ:EEFT - US2987361092 - Common Stock

89.04 USD
+0.22 (+0.25%)
Last: 9/18/2025, 3:29:53 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to EEFT. EEFT was compared to 101 industry peers in the Financial Services industry. EEFT has only an average score on both its financial health and profitability. EEFT may be a bit undervalued, certainly considering the very reasonable score on growth This makes EEFT very considerable for value investing!


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year EEFT was profitable.
In the past year EEFT had a positive cash flow from operations.
Of the past 5 years EEFT 4 years were profitable.
EEFT had a positive operating cash flow in each of the past 5 years.
EEFT Yearly Net Income VS EBIT VS OCF VS FCFEEFT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

EEFT's Return On Assets of 5.08% is fine compared to the rest of the industry. EEFT outperforms 75.25% of its industry peers.
The Return On Equity of EEFT (24.61%) is better than 88.12% of its industry peers.
The Return On Invested Capital of EEFT (14.19%) is better than 92.08% of its industry peers.
EEFT had an Average Return On Invested Capital over the past 3 years of 10.46%. This is above the industry average of 7.65%.
The 3 year average ROIC (10.46%) for EEFT is below the current ROIC(14.19%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.08%
ROE 24.61%
ROIC 14.19%
ROA(3y)4.75%
ROA(5y)3.14%
ROE(3y)21.95%
ROE(5y)14.25%
ROIC(3y)10.46%
ROIC(5y)8.03%
EEFT Yearly ROA, ROE, ROICEEFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

EEFT has a Profit Margin (8.04%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EEFT has declined.
EEFT has a Operating Margin of 13.02%. This is comparable to the rest of the industry: EEFT outperforms 50.49% of its industry peers.
EEFT's Operating Margin has declined in the last couple of years.
EEFT has a Gross Margin of 40.62%. This is comparable to the rest of the industry: EEFT outperforms 56.44% of its industry peers.
In the last couple of years the Gross Margin of EEFT has declined.
Industry RankSector Rank
OM 13.02%
PM (TTM) 8.04%
GM 40.62%
OM growth 3Y19.28%
OM growth 5Y-6.1%
PM growth 3Y48.12%
PM growth 5Y-9.46%
GM growth 3Y3.14%
GM growth 5Y-1.56%
EEFT Yearly Profit, Operating, Gross MarginsEEFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), EEFT is creating value.
EEFT has less shares outstanding than it did 1 year ago.
EEFT has less shares outstanding than it did 5 years ago.
The debt/assets ratio for EEFT is higher compared to a year ago.
EEFT Yearly Shares OutstandingEEFT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
EEFT Yearly Total Debt VS Total AssetsEEFT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

EEFT has an Altman-Z score of 1.87. This is not the best score and indicates that EEFT is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of EEFT (1.87) is better than 73.27% of its industry peers.
The Debt to FCF ratio of EEFT is 4.26, which is a neutral value as it means it would take EEFT, 4.26 years of fcf income to pay off all of its debts.
EEFT has a better Debt to FCF ratio (4.26) than 71.29% of its industry peers.
EEFT has a Debt/Equity ratio of 0.74. This is a neutral value indicating EEFT is somewhat dependend on debt financing.
The Debt to Equity ratio of EEFT (0.74) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.26
Altman-Z 1.87
ROIC/WACC1.99
WACC7.13%
EEFT Yearly LT Debt VS Equity VS FCFEEFT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

EEFT has a Current Ratio of 1.15. This is a normal value and indicates that EEFT is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of EEFT (1.15) is comparable to the rest of the industry.
EEFT has a Quick Ratio of 1.15. 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 1.15 is in line compared to the rest of the industry. EEFT outperforms 57.43% of its industry peers.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
EEFT Yearly Current Assets VS Current LiabilitesEEFT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.24% over the past year.
The Earnings Per Share has been growing slightly by 4.27% on average over the past years.
Looking at the last year, EEFT shows a quite strong growth in Revenue. The Revenue has grown by 8.71% in the last year.
Measured over the past years, EEFT shows a small growth in Revenue. The Revenue has been growing by 7.73% on average per year.
EPS 1Y (TTM)8.24%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%13.78%
Revenue 1Y (TTM)8.71%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%8.93%

3.2 Future

Based on estimates for the next years, EEFT will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.92% on average per year.
The Revenue is expected to grow by 8.39% on average over the next years. This is quite good.
EPS Next Y15.72%
EPS Next 2Y15.05%
EPS Next 3Y13.92%
EPS Next 5YN/A
Revenue Next Year8.68%
Revenue Next 2Y8.39%
Revenue Next 3Y8.39%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
EEFT Yearly Revenue VS EstimatesEEFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
EEFT Yearly EPS VS EstimatesEEFT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.12, the valuation of EEFT can be described as reasonable.
70.30% of the companies in the same industry are more expensive than EEFT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.20. EEFT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.79, which indicates a rather cheap valuation of EEFT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EEFT indicates a somewhat cheap valuation: EEFT is cheaper than 73.27% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of EEFT to the average of the S&P500 Index (22.70), we can say EEFT is valued rather cheaply.
Industry RankSector Rank
PE 10.12
Fwd PE 7.79
EEFT Price Earnings VS Forward Price EarningsEEFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EEFT is valued cheaper than 90.10% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EEFT is valued cheaper than 89.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.38
EV/EBITDA 5.69
EEFT Per share dataEEFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

4.3 Compensation for Growth

EEFT's 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 13.92% in the coming years.
PEG (NY)0.64
PEG (5Y)2.37
EPS Next 2Y15.05%
EPS Next 3Y13.92%

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0

5. Dividend

5.1 Amount

No dividends for EEFT!.
Industry RankSector Rank
Dividend Yield N/A

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EURONET WORLDWIDE INC

NASDAQ:EEFT (9/18/2025, 3:29:53 PM)

89.04

+0.22 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-21 2025-10-21/bmo
Inst Owners97.71%
Inst Owner Change-2.07%
Ins Owners6.41%
Ins Owner Change0.66%
Market Cap3.65B
Analysts83.75
Price Target130.27 (46.31%)
Short Float %11.37%
Short Ratio6.54
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.27%
Min EPS beat(2)-5.67%
Max EPS beat(2)5.13%
EPS beat(4)1
Avg EPS beat(4)-1.5%
Min EPS beat(4)-5.67%
Max EPS beat(4)5.13%
EPS beat(8)3
Avg EPS beat(8)1.94%
EPS beat(12)5
Avg EPS beat(12)2.6%
EPS beat(16)7
Avg EPS beat(16)2.28%
Revenue beat(2)0
Avg Revenue beat(2)-1.95%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)-1.65%
Revenue beat(4)1
Avg Revenue beat(4)-1.36%
Min Revenue beat(4)-2.25%
Max Revenue beat(4)0.21%
Revenue beat(8)2
Avg Revenue beat(8)-1.32%
Revenue beat(12)3
Avg Revenue beat(12)-1.45%
Revenue beat(16)5
Avg Revenue beat(16)-1.14%
PT rev (1m)0%
PT rev (3m)1.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)-0.38%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.66%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE 10.12
Fwd PE 7.79
P/S 0.88
P/FCF 6.38
P/OCF 5.18
P/B 2.7
P/tB N/A
EV/EBITDA 5.69
EPS(TTM)8.8
EY9.88%
EPS(NY)11.44
Fwd EY12.84%
FCF(TTM)13.96
FCFY15.68%
OCF(TTM)17.2
OCFY19.32%
SpS100.89
BVpS32.97
TBVpS-1.52
PEG (NY)0.64
PEG (5Y)2.37
Profitability
Industry RankSector Rank
ROA 5.08%
ROE 24.61%
ROCE 20.56%
ROIC 14.19%
ROICexc 105.33%
ROICexgc N/A
OM 13.02%
PM (TTM) 8.04%
GM 40.62%
FCFM 13.84%
ROA(3y)4.75%
ROA(5y)3.14%
ROE(3y)21.95%
ROE(5y)14.25%
ROIC(3y)10.46%
ROIC(5y)8.03%
ROICexc(3y)49.68%
ROICexc(5y)34.34%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)15.16%
ROCE(5y)11.63%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y97.6%
ROICexc growth 5Y39.18%
OM growth 3Y19.28%
OM growth 5Y-6.1%
PM growth 3Y48.12%
PM growth 5Y-9.46%
GM growth 3Y3.14%
GM growth 5Y-1.56%
F-Score8
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.26
Debt/EBITDA 1.5
Cap/Depr 101.14%
Cap/Sales 3.21%
Interest Coverage 6.56
Cash Conversion 105.24%
Profit Quality 172.02%
Current Ratio 1.15
Quick Ratio 1.15
Altman-Z 1.87
F-Score8
WACC7.13%
ROIC/WACC1.99
Cap/Depr(3y)86.76%
Cap/Depr(5y)83.38%
Cap/Sales(3y)3.15%
Cap/Sales(5y)3.41%
Profit Quality(3y)221.59%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.24%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%13.78%
EPS Next Y15.72%
EPS Next 2Y15.05%
EPS Next 3Y13.92%
EPS Next 5YN/A
Revenue 1Y (TTM)8.71%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%8.93%
Revenue Next Year8.68%
Revenue Next 2Y8.39%
Revenue Next 3Y8.39%
Revenue Next 5YN/A
EBIT growth 1Y16.43%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year52.64%
EBIT Next 3Y22.13%
EBIT Next 5YN/A
FCF growth 1Y-16.68%
FCF growth 3Y25.15%
FCF growth 5Y10.43%
OCF growth 1Y-10.48%
OCF growth 3Y21.7%
OCF growth 5Y7.75%