EURONET WORLDWIDE INC (EEFT)
US2987361092 - Common Stock
Overall EEFT gets a fundamental rating of 5 out of 10. We evaluated EEFT against 102 industry peers in the Financial Services industry. EEFT has an average financial health and profitability rating. EEFT is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
The Return On Assets of EEFT (4.75%) is better than 77.45% of its industry peers.
The Return On Equity of EEFT (22.38%) is better than 87.25% of its industry peers.
EEFT has a better Return On Invested Capital (9.57%) than 83.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EEFT is in line with the industry average of 7.93%.
The last Return On Invested Capital (9.57%) for EEFT is above the 3 year average (7.98%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.75% | ||
| ROE | 22.38% | ||
| ROIC | 9.57% |
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 of 7.58%. This is comparable to the rest of the industry: EEFT outperforms 49.02% of its industry peers.
EEFT's Profit Margin has declined in the last couple of years.
EEFT has a Operating Margin (11.73%) which is comparable to the rest of the industry.
EEFT's Operating Margin has declined in the last couple of years.
EEFT's Gross Margin of 39.73% is fine compared to the rest 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 | 11.73% | ||
| PM (TTM) | 7.58% | ||
| GM | 39.73% |
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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so EEFT is still 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.
The debt/assets ratio for EEFT is higher compared to a year ago.
2.2 Solvency
EEFT has an Altman-Z score of 2.18. 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.
EEFT has a Altman-Z score of 2.18. This is in the better half of the industry: EEFT outperforms 77.45% of its industry peers.
EEFT has a debt to FCF ratio of 3.46. This is a good value and a sign of high solvency as EEFT would need 3.46 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.46, EEFT is doing good in the industry, outperforming 70.59% of the companies in the same industry.
EEFT has a Debt/Equity ratio of 1.37. This is a high value indicating a heavy dependency on external financing.
EEFT has a Debt to Equity ratio of 1.37. This is in the lower half of the industry: EEFT underperforms 63.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 3.46 | ||
| Altman-Z | 2.18 |
ROIC/WACC1.29
WACC7.41%
2.3 Liquidity
A Current Ratio of 1.54 indicates that EEFT should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.54, EEFT is doing good in the industry, outperforming 65.69% of the companies in the same industry.
A Quick Ratio of 1.54 indicates that EEFT should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.54, EEFT is doing good in the industry, outperforming 68.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.50% over the past year.
EEFT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.09% yearly.
EEFT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.80%.
Measured over the past years, EEFT shows a small growth in Revenue. The Revenue has been growing by 7.77% on average per year.
EPS 1Y (TTM)14.5%
EPS 3Y38.55%
EPS 5Y6.09%
EPS growth Q2Q35.25%
Revenue 1Y (TTM)9.8%
Revenue growth 3Y14.1%
Revenue growth 5Y7.77%
Revenue growth Q2Q10.63%
3.2 Future
The Earnings Per Share is expected to grow by 13.59% on average over the next years. This is quite good.
EEFT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.95% yearly.
EPS Next Y15.27%
EPS Next 2Y14.29%
EPS Next 3Y13.59%
EPS Next 5YN/A
Revenue Next Year8.38%
Revenue Next 2Y8.22%
Revenue Next 3Y7.95%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.09, EEFT is valued correctly.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than 60.78% of the companies in the same industry.
When comparing the Price/Earnings ratio of EEFT to the average of the S&P500 Index (25.20), we can say EEFT is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.22 indicates a correct valuation of EEFT.
Based on the Price/Forward Earnings ratio, EEFT is valued a bit cheaper than 61.76% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.60, EEFT is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.09 | ||
| Fwd PE | 12.22 |
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 80.39% 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 79.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.98 | ||
| EV/EBITDA | 8.74 |
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.
The decent profitability rating of EEFT may justify a higher PE ratio.
EEFT's earnings are expected to grow with 13.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.92
PEG (5Y)2.31
EPS Next 2Y14.29%
EPS Next 3Y13.59%
5. Dividend
5.1 Amount
No dividends for EEFT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EURONET WORLDWIDE INC
NASDAQ:EEFT (4/24/2024, 3:00:00 PM)
After market: 105.67 0 (0%)105.67
-0.14 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.85B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.09 | ||
| Fwd PE | 12.22 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.92
PEG (5Y)2.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.75% | ||
| ROE | 22.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 11.73% | ||
| PM (TTM) | 7.58% | ||
| GM | 39.73% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)14.5%
EPS 3Y38.55%
EPS 5Y
EPS growth Q2Q
EPS Next Y15.27%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.8%
Revenue growth 3Y14.1%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y