EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis
USA - NASDAQ:EEFT - US2987361092 - Common Stock
77.57 USD
-1.81 (-2.28%)
77.7 USD
+0.13 (+0.17%)
We assign a fundamental rating of 5 out of 10 to EEFT. EEFT was compared to 99 industry peers in the Financial Services industry. EEFT has an average financial health and profitability rating. EEFT scores decently on growth, while it is valued quite cheap. This could make an interesting 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.
EEFT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.08%, EEFT is in the better half of the industry, outperforming 74.75% of the companies in the same industry.
EEFT's Return On Equity of 24.61% is amongst the best of the industry. EEFT outperforms 87.88% of its industry peers.
EEFT's Return On Invested Capital of 14.19% is amongst the best of the industry. EEFT outperforms 91.92% of its industry peers.
EEFT had an Average Return On Invested Capital over the past 3 years of 10.46%. This is above the industry average of 7.79%.
The last Return On Invested Capital (14.19%) for EEFT is above the 3 year average (10.46%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 8.04%, EEFT is in line with its industry, outperforming 49.49% of the companies in the same industry.
In the last couple of years the Profit Margin of EEFT has declined.
With a Operating Margin value of 13.02%, EEFT perfoms like the industry average, outperforming 51.52% of the companies in the same industry.
EEFT's Operating Margin has declined in the last couple of years.
EEFT's Gross Margin of 40.62% is in line compared to the rest of the industry. EEFT outperforms 58.59% of its industry peers.
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.
The number of shares outstanding for EEFT has been reduced compared to 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
EEFT has an Altman-Z score of 1.82. 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.
With a decent Altman-Z score value of 1.82, EEFT is doing good in the industry, outperforming 71.72% 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.
With a decent Debt to FCF ratio value of 4.26, EEFT is doing good in the industry, outperforming 69.70% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that EEFT is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.74, EEFT perfoms like the industry average, outperforming 52.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.26 | ||
| Altman-Z | 1.82 |
ROIC/WACC2.21
WACC6.41%
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 56.57% 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.
Looking at the Quick ratio, with a value of 1.15, EEFT is in line with its industry, outperforming 56.57% of the companies in the same industry.
| 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.
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 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.
The Revenue is expected to grow by 8.31% on average over the next years. This is quite good.
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
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 8.26 indicates a reasonable valuation of EEFT.
EEFT's Price/Earnings ratio is a bit cheaper when compared to the industry. EEFT is cheaper than 78.79% of the companies in the same industry.
EEFT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.76.
EEFT is valuated cheaply with a Price/Forward Earnings ratio of 6.77.
EEFT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EEFT is cheaper than 75.76% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EEFT to the average of the S&P500 Index (22.63), we can say EEFT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | 6.77 |
4.2 Price Multiples
92.93% of the companies in the same industry are more expensive than EEFT, based on the Enterprise Value to EBITDA ratio.
92.93% of the companies in the same industry are more expensive than EEFT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.38 | ||
| EV/EBITDA | 4.95 |
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 13.73% in the coming years.
PEG (NY)0.52
PEG (5Y)1.93
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 |
77.57
-1.81 (-2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.22%
Inst Owner Change-0.75%
Ins Owners6.8%
Ins Owner Change0.66%
Market Cap3.08B
Revenue(TTM)4.18B
Net Income(TTM)332.70M
Analysts83.75
Price Target119.78 (54.42%)
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)0%
PT rev (3m)1.87%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)0.16%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | 6.77 | ||
| P/S | 0.74 | ||
| P/FCF | 5.38 | ||
| P/OCF | 4.36 | ||
| P/B | 2.28 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.95 |
EPS(TTM)9.39
EY12.11%
EPS(NY)11.46
Fwd EY14.77%
FCF(TTM)14.42
FCFY18.59%
OCF(TTM)17.77
OCFY22.91%
SpS104.24
BVpS34.07
TBVpS-1.57
PEG (NY)0.52
PEG (5Y)1.93
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 | 1.82 |
F-Score8
WACC6.41%
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 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 15.88% in the next year.