72.39 USD
-0.93 (-1.27%)
Taking everything into account, EEFT scores 5 out of 10 in our fundamental rating. EEFT was compared to 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on EEFT. 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.
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 4.83%. This is in the better half of the industry: EEFT outperforms 74.49% of its industry peers.
Looking at the Return On Equity, with a value of 24.00%, EEFT belongs to the top of the industry, outperforming 87.76% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 14.63%, EEFT belongs to the top of the industry, outperforming 91.84% of the companies in the same industry.
EEFT had an Average Return On Invested Capital over the past 3 years of 10.46%. This is above the industry average of 8.20%.
The last Return On Invested Capital (14.63%) for EEFT is above the 3 year average (10.46%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 24% | ||
| ROIC | 14.63% |
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 7.25%. This is comparable to the rest of the industry: EEFT outperforms 47.96% of its industry peers.
In the last couple of years the Profit Margin of EEFT has declined.
With a Operating Margin value of 13.18%, EEFT perfoms like the industry average, outperforming 48.98% of the companies in the same industry.
In the last couple of years the Operating Margin of EEFT has declined.
EEFT has a better Gross Margin (41.04%) than 60.20% of its industry peers.
EEFT's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.18% | ||
| PM (TTM) | 7.25% | ||
| GM | 41.04% |
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EEFT is creating 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.
The debt/assets ratio for EEFT is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.90 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
EEFT has a Altman-Z score of 1.90. This is in the better half of the industry: EEFT outperforms 74.49% of its industry peers.
EEFT has a debt to FCF ratio of 7.20. This is a slightly negative value and a sign of low solvency as EEFT would need 7.20 years to pay back of all of its debts.
EEFT has a Debt to FCF ratio of 7.20. This is comparable to the rest of the industry: EEFT outperforms 53.06% of its industry peers.
A Debt/Equity ratio of 0.85 indicates that EEFT is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.85, EEFT is in line with its industry, outperforming 45.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 7.2 | ||
| Altman-Z | 1.9 |
ROIC/WACC2.29
WACC6.38%
2.3 Liquidity
A Current Ratio of 1.15 indicates that EEFT should not have too much problems paying its short term obligations.
With a Current ratio value of 1.15, EEFT perfoms like the industry average, outperforming 58.16% of the companies in the same 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.
With a decent Quick ratio value of 1.15, EEFT is doing good in the industry, outperforming 60.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 |
3. Growth
3.1 Past
EEFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.26%, which is quite good.
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.
EEFT shows a small growth in Revenue. In the last year, the Revenue has grown by 7.25%.
EEFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.73% yearly.
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 13.77% on average per year.
EEFT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.23% yearly.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3Y13.77%
EPS Next 5YN/A
Revenue Next Year6.98%
Revenue Next 2Y7.24%
Revenue Next 3Y7.23%
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
A Price/Earnings ratio of 7.71 indicates a rather cheap valuation of EEFT.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
EEFT is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.38, the valuation of EEFT can be described as very cheap.
78.57% of the companies in the same industry are more expensive than EEFT, based on the Price/Forward Earnings ratio.
EEFT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 6.38 |
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 92.86% 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 somewhat cheap valuation: EEFT is cheaper than 73.47% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.98 | ||
| EV/EBITDA | 4.66 |
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 13.77% in the coming years.
PEG (NY)0.5
PEG (5Y)1.81
EPS Next 2Y14.62%
EPS Next 3Y13.77%
5. Dividend
5.1 Amount
EEFT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:EEFT (11/24/2025, 12:33:56 PM)
72.39
-0.93 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.22%
Inst Owner Change115.04%
Ins Owners6.8%
Ins Owner Change0%
Market Cap2.87B
Revenue(TTM)4.18B
Net Income(TTM)303.20M
Analysts83.75
Price Target118.36 (63.5%)
Short Float %12.27%
Short Ratio5.1
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)-3.7%
Min EPS beat(2)-5.67%
Max EPS beat(2)-1.73%
EPS beat(4)1
Avg EPS beat(4)-0.74%
Min EPS beat(4)-5.67%
Max EPS beat(4)5.13%
EPS beat(8)3
Avg EPS beat(8)1.88%
EPS beat(12)4
Avg EPS beat(12)1.9%
EPS beat(16)6
Avg EPS beat(16)0.61%
Revenue beat(2)0
Avg Revenue beat(2)-4.36%
Min Revenue beat(2)-6.47%
Max Revenue beat(2)-2.25%
Revenue beat(4)0
Avg Revenue beat(4)-3.03%
Min Revenue beat(4)-6.47%
Max Revenue beat(4)-1.65%
Revenue beat(8)1
Avg Revenue beat(8)-2.14%
Revenue beat(12)3
Avg Revenue beat(12)-1.84%
Revenue beat(16)4
Avg Revenue beat(16)-1.68%
PT rev (1m)-9.14%
PT rev (3m)-9.14%
EPS NQ rev (1m)-1.41%
EPS NQ rev (3m)-0.84%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)-2.06%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)-1.54%
Revenue NY rev (3m)-1.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 6.38 | ||
| P/S | 0.69 | ||
| P/FCF | 8.98 | ||
| P/OCF | 6.21 | ||
| P/B | 2.27 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.66 |
EPS(TTM)9.39
EY12.97%
EPS(NY)11.35
Fwd EY15.68%
FCF(TTM)8.06
FCFY11.14%
OCF(TTM)11.65
OCFY16.09%
SpS105.41
BVpS31.84
TBVpS-4.17
PEG (NY)0.5
PEG (5Y)1.81
Graham Number82.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 24% | ||
| ROCE | 21.19% | ||
| ROIC | 14.63% | ||
| ROICexc | 65.48% | ||
| ROICexgc | N/A | ||
| OM | 13.18% | ||
| PM (TTM) | 7.25% | ||
| GM | 41.04% | ||
| FCFM | 7.65% |
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-Score7
Asset Turnover0.67
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 7.2 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 106.75% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 7.19 | ||
| Cash Conversion | 67.49% | ||
| Profit Quality | 105.51% | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 1.9 |
F-Score7
WACC6.38%
ROIC/WACC2.29
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 Y15.35%
EPS Next 2Y14.62%
EPS Next 3Y13.77%
EPS Next 5YN/A
Revenue 1Y (TTM)7.25%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%4.22%
Revenue Next Year6.98%
Revenue Next 2Y7.24%
Revenue Next 3Y7.23%
Revenue Next 5YN/A
EBIT growth 1Y15.4%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year52.67%
EBIT Next 3Y22.43%
EBIT Next 5YN/A
FCF growth 1Y-54.62%
FCF growth 3Y25.15%
FCF growth 5Y10.43%
OCF growth 1Y-42.73%
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 5 / 10 to EEFT.
Can you provide the valuation status for EURONET WORLDWIDE INC?
ChartMill assigns a valuation rating of 8 / 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 15.35% in the next year.