EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis
NASDAQ:EEFT - Nasdaq - US2987361092 - Common Stock - Currency: USD
EEFT gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. Both the profitability and the financial health of EEFT get a neutral evaluation. Nothing too spectacular is happening here. EEFT is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make EEFT suitable for value investing!
1. Profitability
1.1 Basic Checks
In the past year EEFT was profitable.
EEFT had a positive operating cash flow in the past year.
EEFT had positive earnings in 4 of the past 5 years.
Each year in the past 5 years EEFT had a positive operating cash flow.
1.2 Ratios
EEFT has a Return On Assets of 5.25%. This is in the better half of the industry: EEFT outperforms 78.43% of its industry peers.
The Return On Equity of EEFT (24.24%) is better than 87.25% of its industry peers.
EEFT's Return On Invested Capital of 11.98% is amongst the best of the industry. EEFT outperforms 86.27% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EEFT 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
EEFT has a Profit Margin (8.46%) 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 12.25%. This is comparable to the rest of the industry: EEFT outperforms 47.06% of its industry peers.
EEFT's Operating Margin has declined in the last couple of years.
EEFT has a Gross Margin of 39.88%. This is in the better half of the industry: EEFT outperforms 61.76% 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
EEFT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
EEFT has less shares outstanding than it did 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 1.99 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 1.99, EEFT is doing good in the industry, outperforming 71.57% of the companies in the same industry.
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.
The Debt to FCF ratio of EEFT (3.42) is better than 68.63% of its industry peers.
A Debt/Equity ratio of 0.88 indicates that EEFT is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.88, EEFT is in line with its industry, outperforming 45.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 3.42 | ||
| Altman-Z | 1.99 |
ROIC/WACC1.65
WACC7.25%
2.3 Liquidity
A Current Ratio of 1.26 indicates that EEFT should not have too much problems paying its short term obligations.
EEFT's Current ratio of 1.26 is fine compared to the rest of the industry. EEFT outperforms 60.78% of its industry peers.
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.
The Quick ratio of EEFT (1.26) is better than 61.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.26 | ||
| Quick Ratio | 1.26 |
3. Growth
3.1 Past
EEFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.40%, which is quite impressive.
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%.
The Revenue has been growing slightly by 7.77% on average over the past years.
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
Based on estimates for the next years, EEFT will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.09% on average per year.
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
With a Price/Earnings ratio of 11.65, the valuation of EEFT can be described as very reasonable.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than 62.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.58, EEFT is valued rather cheaply.
A Price/Forward Earnings ratio of 9.89 indicates a reasonable valuation of EEFT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EEFT is on the same level as its industry peers.
EEFT is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.47, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EEFT indicates a rather cheap valuation: EEFT is cheaper than 88.24% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EEFT indicates a rather cheap valuation: EEFT is cheaper than 92.16% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.48 | ||
| EV/EBITDA | 6.99 |
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.
The decent profitability rating of EEFT 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)0.68
PEG (5Y)1.91
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 (1/24/2025, 8:00:02 PM)
After market: 98.34 0 (0%)98.34
+1.56 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.46%
Inst Owner Change0.14%
Ins Owners6.19%
Ins Owner Change2.76%
Market Cap4.32B
Analysts82.35
Price Target130.22 (32.42%)
Short Float %3.3%
Short Ratio5.41
Dividend
| Industry Rank | Sector 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)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)0%
PT rev (3m)1.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.13%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.89 | ||
| P/S | 1.11 | ||
| P/FCF | 6.48 | ||
| P/OCF | 5.48 | ||
| P/B | 3.17 | ||
| P/tB | 1600.03 | ||
| EV/EBITDA | 6.99 |
EPS(TTM)8.44
EY8.58%
EPS(NY)9.94
Fwd EY10.11%
FCF(TTM)15.18
FCFY15.43%
OCF(TTM)17.94
OCFY18.25%
SpS88.78
BVpS31
TBVpS0.06
PEG (NY)0.68
PEG (5Y)1.91
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 | 1.99 |
F-Score5
WACC7.25%
ROIC/WACC1.65
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 Year52.19%
EBIT Next 3Y22.83%
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%