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EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

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

99.98  -0.08 (-0.08%)

After market: 99.98 0 (0%)

Fundamental Rating

5

Taking everything into account, EEFT scores 5 out of 10 in our fundamental rating. EEFT was compared to 99 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. This makes EEFT very considerable for value investing!


Dividend Valuation Growth Profitability Health

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5

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.
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's Return On Assets of 5.26% is fine compared to the rest of the industry. EEFT outperforms 74.75% of its industry peers.
Looking at the Return On Equity, with a value of 24.44%, EEFT belongs to the top of the industry, outperforming 87.88% of the companies in the same industry.
With an excellent Return On Invested Capital value of 10.31%, EEFT belongs to the best of the industry, outperforming 83.84% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for EEFT is in line with the industry average of 11.83%.
Industry RankSector Rank
ROA 5.26%
ROE 24.44%
ROIC 10.31%
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 (7.86%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EEFT has declined.
Looking at the Operating Margin, with a value of 12.71%, EEFT is in line with its industry, outperforming 42.42% of the companies in the same industry.
EEFT's Operating Margin has declined in the last couple of years.
EEFT's Gross Margin of 40.31% is in line compared to the rest of the industry. EEFT outperforms 57.58% of its industry peers.
In the last couple of years the Gross Margin of EEFT has declined.
Industry RankSector Rank
OM 12.71%
PM (TTM) 7.86%
GM 40.31%
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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5

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.
EEFT has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, EEFT has less shares outstanding
EEFT has a worse debt/assets ratio than last year.
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

An Altman-Z score of 2.26 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
EEFT's Altman-Z score of 2.26 is fine compared to the rest of the industry. EEFT outperforms 78.79% of its industry peers.
EEFT has a debt to FCF ratio of 3.84. This is a good value and a sign of high solvency as EEFT would need 3.84 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.84, EEFT is doing good in the industry, outperforming 70.71% of the companies in the same industry.
EEFT has a Debt/Equity ratio of 1.46. This is a high value indicating a heavy dependency on external financing.
EEFT's Debt to Equity ratio of 1.46 is in line compared to the rest of the industry. EEFT outperforms 41.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 3.84
Altman-Z 2.26
ROIC/WACC1.39
WACC7.43%
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

A Current Ratio of 1.60 indicates that EEFT should not have too much problems paying its short term obligations.
EEFT's Current ratio of 1.60 is fine compared to the rest of the industry. EEFT outperforms 69.70% of its industry peers.
A Quick Ratio of 1.60 indicates that EEFT should not have too much problems paying its short term obligations.
EEFT's Quick ratio of 1.60 is fine compared to the rest of the industry. EEFT outperforms 71.72% of its industry peers.
Industry RankSector Rank
Current Ratio 1.6
Quick Ratio 1.6
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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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.33% over the past year.
The Earnings Per Share has been growing slightly by 4.27% on average over the past years.
The Revenue has been growing slightly by 7.73% in the past year.
EEFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.73% yearly.
EPS 1Y (TTM)7.33%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%-11.72%
Revenue 1Y (TTM)7.73%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%6.83%

3.2 Future

The Earnings Per Share is expected to grow by 14.11% 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 7.94% yearly.
EPS Next Y16.17%
EPS Next 2Y15.03%
EPS Next 3Y14.11%
EPS Next 5YN/A
Revenue Next Year8.34%
Revenue Next 2Y8.13%
Revenue Next 3Y7.94%
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.
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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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.78, the valuation of EEFT can be described as very reasonable.
EEFT's Price/Earnings ratio is a bit cheaper when compared to the industry. EEFT is cheaper than 63.64% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.35. EEFT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.74, the valuation of EEFT can be described as very reasonable.
60.61% of the companies in the same industry are more expensive than EEFT, based on the Price/Forward Earnings ratio.
EEFT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.78
Fwd PE 8.74
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

EEFT's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EEFT is cheaper than 83.84% of the companies in the same industry.
81.82% 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 7.55
EV/EBITDA 6.87
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

EEFT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EEFT's earnings are expected to grow with 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)2.76
EPS Next 2Y15.03%
EPS Next 3Y14.11%

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0

5. Dividend

5.1 Amount

No dividends for EEFT!.
Industry RankSector Rank
Dividend Yield N/A

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EURONET WORLDWIDE INC

NASDAQ:EEFT (6/20/2025, 8:00:02 PM)

After market: 99.98 0 (0%)

99.98

-0.08 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners96.92%
Inst Owner Change-1.6%
Ins Owners6.41%
Ins Owner Change-0.72%
Market Cap4.32B
Analysts82.35
Price Target127.88 (27.91%)
Short Float %5.84%
Short Ratio4.99
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)1
Avg EPS beat(2)2.22%
Min EPS beat(2)-0.68%
Max EPS beat(2)5.13%
EPS beat(4)1
Avg EPS beat(4)-0.72%
Min EPS beat(4)-4.78%
Max EPS beat(4)5.13%
EPS beat(8)3
Avg EPS beat(8)2.53%
EPS beat(12)6
Avg EPS beat(12)3.1%
EPS beat(16)7
Avg EPS beat(16)1%
Revenue beat(2)0
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-1.75%
Max Revenue beat(2)-1.65%
Revenue beat(4)1
Avg Revenue beat(4)-1.79%
Min Revenue beat(4)-3.97%
Max Revenue beat(4)0.21%
Revenue beat(8)2
Avg Revenue beat(8)-1.32%
Revenue beat(12)4
Avg Revenue beat(12)-1.12%
Revenue beat(16)6
Avg Revenue beat(16)-0.84%
PT rev (1m)0.57%
PT rev (3m)-2.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.96%
Valuation
Industry RankSector Rank
PE 11.78
Fwd PE 8.74
P/S 1.07
P/FCF 7.55
P/OCF 6.14
P/B 3.32
P/tB N/A
EV/EBITDA 6.87
EPS(TTM)8.49
EY8.49%
EPS(NY)11.43
Fwd EY11.44%
FCF(TTM)13.24
FCFY13.25%
OCF(TTM)16.29
OCFY16.3%
SpS93.62
BVpS30.12
TBVpS-0.17
PEG (NY)0.73
PEG (5Y)2.76
Profitability
Industry RankSector Rank
ROA 5.26%
ROE 24.44%
ROCE 14.93%
ROIC 10.31%
ROICexc 26.28%
ROICexgc 853.45%
OM 12.71%
PM (TTM) 7.86%
GM 40.31%
FCFM 14.15%
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 Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 3.84
Debt/EBITDA 2.95
Cap/Depr 100.38%
Cap/Sales 3.26%
Interest Coverage 6
Cash Conversion 109.11%
Profit Quality 179.98%
Current Ratio 1.6
Quick Ratio 1.6
Altman-Z 2.26
F-Score8
WACC7.43%
ROIC/WACC1.39
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)7.33%
EPS 3Y32.91%
EPS 5Y4.27%
EPS Q2Q%-11.72%
EPS Next Y16.17%
EPS Next 2Y15.03%
EPS Next 3Y14.11%
EPS Next 5YN/A
Revenue 1Y (TTM)7.73%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%6.83%
Revenue Next Year8.34%
Revenue Next 2Y8.13%
Revenue Next 3Y7.94%
Revenue Next 5YN/A
EBIT growth 1Y14.06%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year50.3%
EBIT Next 3Y21.55%
EBIT Next 5YN/A
FCF growth 1Y-10.43%
FCF growth 3Y25.15%
FCF growth 5Y10.43%
OCF growth 1Y-5.55%
OCF growth 3Y21.7%
OCF growth 5Y7.75%