EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis
NASDAQ:EEFT - Nasdaq - US2987361092 - Common Stock - Currency: USD
Overall EEFT gets a fundamental rating of 6 out of 10. We evaluated EEFT against 101 industry peers in the Financial Services industry. EEFT has an average financial health and profitability rating. EEFT is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, EEFT could be worth investigating further 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.
EEFT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EEFT (5.24%) is better than 79.21% of its industry peers.
Looking at the Return On Equity, with a value of 24.90%, EEFT belongs to the top of the industry, outperforming 88.12% of the companies in the same industry.
With an excellent Return On Invested Capital value of 13.31%, EEFT belongs to the best of the industry, outperforming 88.12% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EEFT is above the industry average of 7.70%.
The 3 year average ROIC (10.46%) for EEFT is below the current ROIC(13.31%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.24% | ||
| ROE | 24.9% | ||
| ROIC | 13.31% |
ROA(3y)4.75%
ROA(5y)3.14%
ROE(3y)21.95%
ROE(5y)14.25%
ROIC(3y)10.46%
ROIC(5y)8.03%
1.3 Margins
EEFT has a Profit Margin (7.67%) which is in line with its industry peers.
EEFT's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 12.61%, EEFT perfoms like the industry average, outperforming 42.57% of the companies in the same industry.
In the last couple of years the Operating Margin of EEFT has declined.
EEFT's Gross Margin of 40.11% is fine compared to the rest of the industry. EEFT outperforms 61.39% of its industry peers.
In the last couple of years the Gross Margin of EEFT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.61% | ||
| PM (TTM) | 7.67% | ||
| GM | 40.11% |
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%
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.
The number of shares outstanding for EEFT has been reduced compared to 5 years ago.
EEFT has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.13 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
EEFT's Altman-Z score of 2.13 is fine compared to the rest of the industry. EEFT outperforms 77.23% of its industry peers.
EEFT has a debt to FCF ratio of 3.24. This is a good value and a sign of high solvency as EEFT would need 3.24 years to pay back of all of its debts.
The Debt to FCF ratio of EEFT (3.24) is better than 70.30% of its industry peers.
A Debt/Equity ratio of 0.92 indicates that EEFT is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.92, EEFT perfoms like the industry average, outperforming 44.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | 3.24 | ||
| Altman-Z | 2.13 |
ROIC/WACC1.77
WACC7.54%
2.3 Liquidity
EEFT has a Current Ratio of 1.25. 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 Current ratio of 1.25 is fine compared to the rest of the industry. EEFT outperforms 62.38% of its industry peers.
A Quick Ratio of 1.25 indicates that EEFT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.25, EEFT is in the better half of the industry, outperforming 63.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.25 | ||
| Quick Ratio | 1.25 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.20% over the past year.
EEFT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.27% yearly.
The Revenue has grown by 8.18% in the past year. This is quite good.
EEFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.73% yearly.
EPS 1Y (TTM)15.2%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%10.64%
Revenue 1Y (TTM)8.18%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%9.36%
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 14.85% yearly.
EEFT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.15% yearly.
EPS Next Y15.84%
EPS Next 2Y14.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.47%
Revenue Next 2Y7.5%
Revenue Next 3Y7.15%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 10.96 indicates a reasonable valuation of EEFT.
61.39% of the companies in the same industry are more expensive than EEFT, based on the Price/Earnings ratio.
EEFT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
The Price/Forward Earnings ratio is 9.46, which indicates a very decent valuation of EEFT.
The rest of the industry has a similar Price/Forward Earnings ratio as EEFT.
EEFT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.46 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EEFT is valued cheaply inside the industry as 85.15% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, EEFT is valued cheaply inside the industry as 83.17% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.81 | ||
| EV/EBITDA | 6.49 |
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 14.85% in the coming years.
PEG (NY)0.69
PEG (5Y)2.57
EPS Next 2Y14.85%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for EEFT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
94.7
+0.32 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.5%
Inst Owner Change0%
Ins Owners6.51%
Ins Owner Change2.11%
Market Cap4.09B
Analysts82.35
Price Target132.22 (39.62%)
Short Float %4.16%
Short Ratio4.55
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)-2.73%
Min EPS beat(2)-4.78%
Max EPS beat(2)-0.68%
EPS beat(4)1
Avg EPS beat(4)3.15%
Min EPS beat(4)-4.78%
Max EPS beat(4)20.63%
EPS beat(8)2
Avg EPS beat(8)1.86%
EPS beat(12)5
Avg EPS beat(12)2.13%
EPS beat(16)6
Avg EPS beat(16)-2.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.77%
Min Revenue beat(2)-1.75%
Max Revenue beat(2)0.21%
Revenue beat(4)1
Avg Revenue beat(4)-1.54%
Min Revenue beat(4)-3.97%
Max Revenue beat(4)0.21%
Revenue beat(8)3
Avg Revenue beat(8)-1.1%
Revenue beat(12)4
Avg Revenue beat(12)-1.23%
Revenue beat(16)7
Avg Revenue beat(16)-0.5%
PT rev (1m)0.48%
PT rev (3m)1.53%
EPS NQ rev (1m)-0.71%
EPS NQ rev (3m)-17.32%
EPS NY rev (1m)0.11%
EPS NY rev (3m)0.7%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.46 | ||
| P/S | 1.03 | ||
| P/FCF | 6.81 | ||
| P/OCF | 5.59 | ||
| P/B | 3.33 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.49 |
EPS(TTM)8.64
EY9.12%
EPS(NY)10.01
Fwd EY10.57%
FCF(TTM)13.9
FCFY14.68%
OCF(TTM)16.95
OCFY17.9%
SpS92.29
BVpS28.42
TBVpS-1.07
PEG (NY)0.69
PEG (5Y)2.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.24% | ||
| ROE | 24.9% | ||
| ROCE | 19.29% | ||
| ROIC | 13.31% | ||
| ROICexc | 50.64% | ||
| ROICexgc | N/A | ||
| OM | 12.61% | ||
| PM (TTM) | 7.67% | ||
| GM | 40.11% | ||
| FCFM | 15.06% |
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 Turnover0.68
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | 3.24 | ||
| Debt/EBITDA | 1.79 | ||
| Cap/Depr | 100% | ||
| Cap/Sales | 3.3% | ||
| Interest Coverage | 6.43 | ||
| Cash Conversion | 115.4% | ||
| Profit Quality | 196.41% | ||
| Current Ratio | 1.25 | ||
| Quick Ratio | 1.25 | ||
| Altman-Z | 2.13 |
F-Score8
WACC7.54%
ROIC/WACC1.77
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)15.2%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%10.64%
EPS Next Y15.84%
EPS Next 2Y14.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.18%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%9.36%
Revenue Next Year7.47%
Revenue Next 2Y7.5%
Revenue Next 3Y7.15%
Revenue Next 5YN/A
EBIT growth 1Y16.32%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year49.15%
EBIT Next 3Y21.28%
EBIT Next 5YN/A
FCF growth 1Y11.38%
FCF growth 3Y25.15%
FCF growth 5Y10.43%
OCF growth 1Y13.95%
OCF growth 3Y21.7%
OCF growth 5Y7.75%