Logo image of EEFT

EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

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

108.04  +0.7 (+0.65%)

Fundamental Rating

5

EEFT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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 has a better Return On Assets (5.26%) than 76.00% of its industry peers.
EEFT has a Return On Equity of 24.44%. This is amongst the best in the industry. EEFT outperforms 88.00% of its industry peers.
EEFT's Return On Invested Capital of 10.31% is amongst the best of the industry. EEFT outperforms 84.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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 of 7.86%. This is comparable to the rest of the industry: EEFT outperforms 45.00% of its industry peers.
In the last couple of years the Profit Margin of EEFT has declined.
EEFT has a Operating Margin (12.71%) which is in line with its industry peers.
In the last couple of years the Operating Margin of EEFT has declined.
EEFT has a Gross Margin (40.31%) which is in line with its industry peers.
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

More info and screens

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.
The number of shares outstanding for EEFT has been reduced compared to 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

EEFT has an Altman-Z score of 2.30. 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 better Altman-Z score (2.30) than 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.
With a decent Debt to FCF ratio value of 3.84, EEFT is doing good in 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.
EEFT's Debt to Equity ratio of 1.46 is on the low side compared to the rest of the industry. EEFT is outperformed by 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 3.84
Altman-Z 2.3
ROIC/WACC1.38
WACC7.49%
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.
With a decent Current ratio value of 1.60, EEFT is doing good in the industry, outperforming 68.00% of the companies in the same industry.
A Quick Ratio of 1.60 indicates that EEFT should not have too much problems paying its short term obligations.
EEFT has a better Quick ratio (1.60) than 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

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.33% 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.
EEFT shows a small growth in Revenue. In the last year, the Revenue has grown by 7.73%.
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)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

EEFT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.11% yearly.
The Revenue is expected to grow by 7.94% on average over the next years.
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.
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

EEFT is valuated correctly with a Price/Earnings ratio of 12.73.
The rest of the industry has a similar Price/Earnings ratio as EEFT.
When comparing the Price/Earnings ratio of EEFT to the average of the S&P500 Index (26.17), we can say EEFT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.45, the valuation of EEFT can be described as reasonable.
EEFT's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of EEFT to the average of the S&P500 Index (22.10), we can say EEFT is valued rather cheaply.
Industry RankSector Rank
PE 12.73
Fwd PE 9.45
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 82.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EEFT is valued a bit cheaper than 79.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.16
EV/EBITDA 7.35
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.
EEFT's earnings are expected to grow with 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.79
PEG (5Y)2.98
EPS Next 2Y15.03%
EPS Next 3Y14.11%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

EURONET WORLDWIDE INC

NASDAQ:EEFT (5/29/2025, 2:12:05 PM)

108.04

+0.7 (+0.65%)

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 Cap4.67B
Analysts82.35
Price Target127.16 (17.7%)
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 12.73
Fwd PE 9.45
P/S 1.15
P/FCF 8.16
P/OCF 6.63
P/B 3.59
P/tB N/A
EV/EBITDA 7.35
EPS(TTM)8.49
EY7.86%
EPS(NY)11.43
Fwd EY10.58%
FCF(TTM)13.24
FCFY12.26%
OCF(TTM)16.29
OCFY15.08%
SpS93.62
BVpS30.12
TBVpS-0.17
PEG (NY)0.79
PEG (5Y)2.98
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 2.3
F-Score8
WACC7.49%
ROIC/WACC1.38
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%