EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis
USA - NASDAQ:EEFT - US2987361092 - Common Stock
74.22 USD
-1.64 (-2.16%)
75.56 USD
+1.34 (+1.81%)
Overall EEFT gets a fundamental rating of 6 out of 10. We evaluated EEFT against 98 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 scores decently on growth, while it is valued quite cheap. This could make an interesting 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.
Each year in the past 5 years EEFT had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.08%, EEFT is doing good in the industry, outperforming 74.49% of the companies in the same industry.
EEFT's Return On Equity of 24.61% is amongst the best of the industry. EEFT outperforms 87.76% of its industry peers.
EEFT has a Return On Invested Capital of 14.19%. This is amongst the best in the industry. EEFT outperforms 91.84% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EEFT is above the industry average of 7.79%.
The 3 year average ROIC (10.46%) for EEFT is below the current ROIC(14.19%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
EEFT has a Profit Margin of 8.04%. This is comparable to the rest of the industry: EEFT outperforms 48.98% of its industry peers.
EEFT's Profit Margin has declined in the last couple of years.
The Operating Margin of EEFT (13.02%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of EEFT has declined.
The Gross Margin of EEFT (40.62%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of EEFT has declined.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for EEFT has been reduced compared to 5 years ago.
The debt/assets ratio for EEFT is higher compared to a year ago.
2.2 Solvency
EEFT has an Altman-Z score of 1.80. This is a bad value and indicates that EEFT is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.80, EEFT is in the better half of the industry, outperforming 72.45% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 4.26, EEFT is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that EEFT is somewhat dependend on debt financing.
EEFT has a Debt to Equity ratio (0.74) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.26 | ||
| Altman-Z | 1.8 |
ROIC/WACC2.21
WACC6.42%
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.
Looking at the Current ratio, with a value of 1.15, EEFT is in line with its industry, outperforming 58.16% of the companies in the same industry.
A Quick Ratio of 1.15 indicates that EEFT should not have too much problems paying its short term obligations.
EEFT has a Quick ratio (1.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.26% over the past year.
Measured over the past 5 years, EEFT shows a small growth in Earnings Per Share. The EPS has been growing by 4.27% on average per year.
The Revenue has been growing slightly by 7.25% in the past 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)11.26%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%19.47%
Revenue 1Y (TTM)7.25%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%4.22%
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 13.73% on average per year.
EEFT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.31% yearly.
EPS Next Y15.88%
EPS Next 2Y15.17%
EPS Next 3Y13.73%
EPS Next 5YN/A
Revenue Next Year8.66%
Revenue Next 2Y8.34%
Revenue Next 3Y8.31%
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 7.90, which indicates a rather cheap valuation of EEFT.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than 79.59% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, EEFT is valued rather cheaply.
The Price/Forward Earnings ratio is 6.48, 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 77.55% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.53, EEFT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 6.48 |
4.2 Price Multiples
93.88% of the companies in the same industry are more expensive than EEFT, based on the Enterprise Value to EBITDA ratio.
EEFT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EEFT is cheaper than 93.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.15 | ||
| EV/EBITDA | 4.75 |
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 13.73% in the coming years.
PEG (NY)0.5
PEG (5Y)1.85
EPS Next 2Y15.17%
EPS Next 3Y13.73%
5. Dividend
5.1 Amount
No dividends for EEFT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
74.22
-1.64 (-2.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.22%
Inst Owner Change-0.86%
Ins Owners6.8%
Ins Owner Change0.66%
Market Cap2.95B
Revenue(TTM)4.18B
Net Income(TTM)332.70M
Analysts83.75
Price Target119.78 (61.39%)
Short Float %10.99%
Short Ratio5.06
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)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)-8.05%
PT rev (3m)-6.34%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)1.13%
EPS NY rev (1m)0.16%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 6.48 | ||
| P/S | 0.71 | ||
| P/FCF | 5.15 | ||
| P/OCF | 4.18 | ||
| P/B | 2.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.75 |
EPS(TTM)9.39
EY12.65%
EPS(NY)11.46
Fwd EY15.44%
FCF(TTM)14.42
FCFY19.43%
OCF(TTM)17.77
OCFY23.95%
SpS104.24
BVpS34.07
TBVpS-1.57
PEG (NY)0.5
PEG (5Y)1.85
Graham Number84.84
Profitability
| Industry Rank | Sector 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%
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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 | 1.8 |
F-Score8
WACC6.42%
ROIC/WACC2.21
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)11.26%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%19.47%
EPS Next Y15.88%
EPS Next 2Y15.17%
EPS Next 3Y13.73%
EPS Next 5YN/A
Revenue 1Y (TTM)7.25%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%4.22%
Revenue Next Year8.66%
Revenue Next 2Y8.34%
Revenue Next 3Y8.31%
Revenue Next 5YN/A
EBIT growth 1Y16.43%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year52.67%
EBIT Next 3Y22.43%
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%
EURONET WORLDWIDE INC / EEFT FAQ
What is the ChartMill fundamental rating of EURONET WORLDWIDE INC (EEFT) stock?
ChartMill assigns a fundamental rating of 6 / 10 to EEFT.
Can you provide the valuation status for EURONET WORLDWIDE INC?
ChartMill assigns a valuation rating of 9 / 10 to EURONET WORLDWIDE INC (EEFT). This can be considered as Undervalued.
How profitable is EURONET WORLDWIDE INC (EEFT) stock?
EURONET WORLDWIDE INC (EEFT) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for EEFT stock?
The Earnings per Share (EPS) of EURONET WORLDWIDE INC (EEFT) is expected to grow by 15.88% in the next year.