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EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

NASDAQ:EEFT - Nasdaq - US2987361092 - Common Stock - Currency: USD

104.13  +2.37 (+2.33%)

After market: 104.13 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to EEFT. EEFT was compared to 101 industry peers in the Financial Services industry. EEFT has only an average score on both its financial health and profitability. 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!


Dividend Valuation Growth Profitability Health

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6

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.
Each year in the past 5 years EEFT had a positive operating cash flow.
EEFT Yearly Net Income VS EBIT VS OCF VS FCFEEFT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

EEFT has a better Return On Assets (5.24%) than 79.21% of its industry peers.
EEFT has a Return On Equity of 24.90%. This is amongst the best in the industry. EEFT outperforms 88.12% of its industry peers.
EEFT has a Return On Invested Capital of 13.31%. This is amongst the best in the industry. EEFT outperforms 87.13% of its industry peers.
EEFT had an Average Return On Invested Capital over the past 3 years of 10.46%. This is in line with the industry average of 11.84%.
The last Return On Invested Capital (13.31%) for EEFT is above the 3 year average (10.46%), which is a sign of increasing profitability.
Industry RankSector 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%
EEFT Yearly ROA, ROE, ROICEEFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

EEFT has a Profit Margin of 7.67%. This is comparable to the rest of the industry: EEFT outperforms 40.59% of its industry peers.
In the last couple of years the Profit Margin of EEFT has declined.
EEFT has a Operating Margin (12.61%) which is in line with its industry peers.
EEFT's Operating Margin has declined in the last couple of years.
The Gross Margin of EEFT (40.11%) is better than 61.39% of its industry peers.
In the last couple of years the Gross Margin of EEFT has declined.
Industry RankSector 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%
EEFT Yearly Profit, Operating, Gross MarginsEEFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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6

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.
EEFT Yearly Shares OutstandingEEFT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
EEFT Yearly Total Debt VS Total AssetsEEFT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

EEFT has an Altman-Z score of 2.17. 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 2.17, EEFT is doing good in the industry, outperforming 79.21% of the companies in the same industry.
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 72.28% of its industry peers.
EEFT has a Debt/Equity ratio of 0.92. This is a neutral value indicating EEFT is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.92, EEFT perfoms like the industry average, outperforming 46.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 3.24
Altman-Z 2.17
ROIC/WACC1.56
WACC8.56%
EEFT Yearly LT Debt VS Equity VS FCFEEFT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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.
The Current ratio of EEFT (1.25) is better than 62.38% of its industry peers.
EEFT has a Quick 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 has a better Quick ratio (1.25) than 63.37% of its industry peers.
Industry RankSector Rank
Current Ratio 1.25
Quick Ratio 1.25
EEFT Yearly Current Assets VS Current LiabilitesEEFT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.20% over the past year.
The Earnings Per Share has been growing slightly by 4.27% on average over the past years.
Looking at the last year, EEFT shows a quite strong growth in Revenue. The Revenue has grown by 8.18% in the last year.
The Revenue has been growing slightly by 7.73% on average over the past years.
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 14.22% yearly.
The Revenue is expected to grow by 7.15% on average over the next years.
EPS Next Y13.79%
EPS Next 2Y13.94%
EPS Next 3Y14.22%
EPS Next 5YN/A
Revenue Next Year7.7%
Revenue Next 2Y7.66%
Revenue Next 3Y7.15%
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.
EEFT Yearly Revenue VS EstimatesEEFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
EEFT Yearly EPS VS EstimatesEEFT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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7

4. Valuation

4.1 Price/Earnings Ratio

EEFT is valuated correctly with a Price/Earnings ratio of 12.05.
Based on the Price/Earnings ratio, EEFT is valued a bit cheaper than 60.40% of the companies in the same industry.
EEFT is valuated cheaply when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.59, which indicates a very decent valuation of EEFT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EEFT is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 20.74. EEFT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.05
Fwd PE 10.59
EEFT Price Earnings VS Forward Price EarningsEEFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EEFT is valued cheaper than 85.15% of the companies in the same industry.
84.16% of the companies in the same industry are more expensive than EEFT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.49
EV/EBITDA 6.97
EEFT Per share dataEEFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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 14.22% in the coming years.
PEG (NY)0.87
PEG (5Y)2.82
EPS Next 2Y13.94%
EPS Next 3Y14.22%

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0

5. Dividend

5.1 Amount

EEFT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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EURONET WORLDWIDE INC

NASDAQ:EEFT (5/5/2025, 8:05:43 PM)

After market: 104.13 0 (0%)

104.13

+2.37 (+2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners95.5%
Inst Owner Change-2.2%
Ins Owners6.51%
Ins Owner Change2.11%
Market Cap4.50B
Analysts82.35
Price Target129.03 (23.91%)
Short Float %4.37%
Short Ratio3.41
Dividend
Industry RankSector 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)-1.94%
PT rev (3m)-0.31%
EPS NQ rev (1m)-5.91%
EPS NQ rev (3m)-21.44%
EPS NY rev (1m)-1.77%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)-0.16%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 10.59
P/S 1.13
P/FCF 7.49
P/OCF 6.14
P/B 3.66
P/tB N/A
EV/EBITDA 6.97
EPS(TTM)8.64
EY8.3%
EPS(NY)9.83
Fwd EY9.44%
FCF(TTM)13.9
FCFY13.35%
OCF(TTM)16.95
OCFY16.28%
SpS92.29
BVpS28.42
TBVpS-1.07
PEG (NY)0.87
PEG (5Y)2.82
Profitability
Industry RankSector 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 RankSector 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 2.17
F-Score8
WACC8.56%
ROIC/WACC1.56
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 Y13.79%
EPS Next 2Y13.94%
EPS Next 3Y14.22%
EPS Next 5YN/A
Revenue 1Y (TTM)8.18%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%9.36%
Revenue Next Year7.7%
Revenue Next 2Y7.66%
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%