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EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

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

108.79  +3.66 (+3.48%)

After market: 108.79 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to EEFT. EEFT was compared to 100 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 has a correct valuation and a medium growth rate.


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.
In the past 5 years EEFT always reported a positive cash flow from operatings.
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

Looking at the Return On Assets, with a value of 5.26%, EEFT is in the better half of the industry, outperforming 76.00% of the companies in the same industry.
EEFT's Return On Equity of 24.44% is amongst the best of the industry. EEFT outperforms 88.00% of its industry peers.
The Return On Invested Capital of EEFT (10.31%) is better than 84.00% 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 11.97%.
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 in line with its industry peers.
EEFT's Profit Margin has declined in the last couple of years.
EEFT's Operating Margin of 12.71% is in line compared to the rest of the industry. EEFT outperforms 43.00% of its industry peers.
EEFT's Operating Margin has declined in the last couple of years.
EEFT has a Gross Margin (40.31%) which is comparable to the rest of the industry.
EEFT's Gross Margin has declined in the last couple of years.
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

EEFT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, EEFT has less shares outstanding
The number of shares outstanding for EEFT has been reduced compared to 5 years ago.
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 2.29 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 2.29. This is in the better half of the industry: EEFT outperforms 79.00% 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.
Looking at the Debt to FCF ratio, with a value of 3.84, EEFT is in the better half of the industry, outperforming 71.00% 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.
Looking at the Debt to Equity ratio, with a value of 1.46, EEFT is doing worse than 60.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 3.84
Altman-Z 2.29
ROIC/WACC1.37
WACC7.54%
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 has a Current ratio of 1.60. This is in the better half of the industry: EEFT outperforms 68.00% of its industry peers.
EEFT has a Quick Ratio of 1.60. This is a normal value and indicates that EEFT is financially healthy and should not expect problems in meeting its short term obligations.
EEFT's Quick ratio of 1.60 is fine compared to the rest of the industry. EEFT outperforms 70.00% 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

EEFT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.33%.
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 small growth in Revenue. The Revenue has grown by 7.73% in the last year.
The Revenue has been growing slightly by 7.73% on average over the past years.
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

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.
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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.81, which indicates a correct valuation of EEFT.
EEFT's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of EEFT to the average of the S&P500 Index (26.35), we can say EEFT is valued rather cheaply.
The Price/Forward Earnings ratio is 9.52, which indicates a very decent valuation of EEFT.
EEFT's Price/Forward Earnings ratio is in line with the industry average.
EEFT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.20.
Industry RankSector Rank
PE 12.81
Fwd PE 9.52
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 83.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EEFT is valued a bit cheaper than the industry average as 79.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.21
EV/EBITDA 7.21
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.
A more expensive valuation may be justified as EEFT's earnings are expected to grow with 14.11% in the coming years.
PEG (NY)0.79
PEG (5Y)3
EPS Next 2Y15.03%
EPS Next 3Y14.11%

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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 (5/27/2025, 8:17:22 PM)

After market: 108.79 0 (0%)

108.79

+3.66 (+3.48%)

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 Owners95.5%
Inst Owner Change-1.59%
Ins Owners6.51%
Ins Owner Change2.76%
Market Cap4.70B
Analysts82.35
Price Target127.16 (16.89%)
Short Float %5.35%
Short Ratio4.25
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)-1.45%
PT rev (3m)-3.36%
EPS NQ rev (1m)-0.49%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)2.09%
EPS NY rev (3m)0.4%
Revenue NQ rev (1m)1.29%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)0.96%
Valuation
Industry RankSector Rank
PE 12.81
Fwd PE 9.52
P/S 1.16
P/FCF 8.21
P/OCF 6.68
P/B 3.61
P/tB N/A
EV/EBITDA 7.21
EPS(TTM)8.49
EY7.8%
EPS(NY)11.43
Fwd EY10.51%
FCF(TTM)13.24
FCFY12.17%
OCF(TTM)16.29
OCFY14.98%
SpS93.62
BVpS30.12
TBVpS-0.17
PEG (NY)0.79
PEG (5Y)3
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 2.29
F-Score8
WACC7.54%
ROIC/WACC1.37
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%