74.57 USD
-0.12 (-0.16%)
74.57 USD
0 (0%)
Taking everything into account, EEFT scores 5 out of 10 in our fundamental rating. EEFT was compared to 97 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 may be a bit undervalued, certainly considering the very reasonable score on growth This makes EEFT very considerable for value investing!
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.
- In the past 5 years EEFT always reported a positive cash flow from operatings.
1.2 Ratios
- EEFT has a Return On Assets of 4.83%. This is in the better half of the industry: EEFT outperforms 74.23% of its industry peers.
- EEFT has a Return On Equity of 24.00%. This is amongst the best in the industry. EEFT outperforms 88.66% of its industry peers.
- EEFT has a better Return On Invested Capital (14.63%) than 91.75% 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 8.44%.
- The last Return On Invested Capital (14.63%) for EEFT is above the 3 year average (10.46%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 24% | ||
| ROIC | 14.63% |
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
- EEFT's Profit Margin of 7.25% is in line compared to the rest of the industry. EEFT outperforms 48.45% of its industry peers.
- EEFT's Profit Margin has declined in the last couple of years.
- EEFT has a Operating Margin (13.18%) 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 (41.04%) which is comparable to the rest of the industry.
- EEFT's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.18% | ||
| PM (TTM) | 7.25% | ||
| GM | 41.04% |
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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EEFT is creating 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.
2.2 Solvency
- An Altman-Z score of 1.93 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 1.93. This is in the better half of the industry: EEFT outperforms 74.23% of its industry peers.
- The Debt to FCF ratio of EEFT is 7.20, which is on the high side as it means it would take EEFT, 7.20 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 7.20, EEFT perfoms like the industry average, outperforming 50.52% of the companies in the same industry.
- EEFT has a Debt/Equity ratio of 0.85. This is a neutral value indicating EEFT is somewhat dependend on debt financing.
- EEFT has a Debt to Equity ratio of 0.85. This is comparable to the rest of the industry: EEFT outperforms 46.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 7.2 | ||
| Altman-Z | 1.93 |
ROIC/WACC2.01
WACC7.29%
2.3 Liquidity
- A Current Ratio of 1.15 indicates that EEFT should not have too much problems paying its short term obligations.
- EEFT has a Current ratio (1.15) which is comparable to the rest of the industry.
- EEFT has a Quick 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.
- With a decent Quick ratio value of 1.15, EEFT is doing good in the industry, outperforming 60.82% 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.
- Measured over the past 5 years, EEFT shows a small growth in Earnings Per Share. The EPS has been growing by 4.27% on average per year.
- Looking at the last year, EEFT shows a small growth in Revenue. The Revenue has grown by 7.25% in the last 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)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
- The Earnings Per Share is expected to grow by 13.77% on average over the next years. This is quite good.
- The Revenue is expected to grow by 6.94% on average over the next years.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3Y13.77%
EPS Next 5YN/A
Revenue Next Year6.54%
Revenue Next 2Y6.95%
Revenue Next 3Y6.94%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.94 indicates a rather cheap valuation of EEFT.
- EEFT's Price/Earnings ratio is a bit cheaper when compared to the industry. EEFT is cheaper than 77.32% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. EEFT is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 6.57, which indicates a rather cheap valuation of EEFT.
- Based on the Price/Forward Earnings ratio, EEFT is valued cheaper than 82.47% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. EEFT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 6.57 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, EEFT is valued cheaply inside the industry as 90.72% of the companies are valued more expensively.
- 74.23% 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 | 9.8 | ||
| EV/EBITDA | 4.99 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as EEFT's earnings are expected to grow with 13.77% in the coming years.
PEG (NY)0.52
PEG (5Y)1.86
EPS Next 2Y14.62%
EPS Next 3Y13.77%
5. Dividend
5.1 Amount
- EEFT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
74.57
-0.12 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)02-10 2026-02-10/bmo
Inst Owners103.6%
Inst Owner Change-2.52%
Ins Owners6.36%
Ins Owner Change0.14%
Market Cap3.13B
Revenue(TTM)4.18B
Net Income(TTM)303.20M
Analysts84.71
Price Target105.1 (40.94%)
Short Float %12.14%
Short Ratio5.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-3.7%
Min EPS beat(2)-5.67%
Max EPS beat(2)-1.73%
EPS beat(4)1
Avg EPS beat(4)-0.74%
Min EPS beat(4)-5.67%
Max EPS beat(4)5.13%
EPS beat(8)3
Avg EPS beat(8)1.88%
EPS beat(12)4
Avg EPS beat(12)1.9%
EPS beat(16)6
Avg EPS beat(16)0.61%
Revenue beat(2)0
Avg Revenue beat(2)-4.36%
Min Revenue beat(2)-6.47%
Max Revenue beat(2)-2.25%
Revenue beat(4)0
Avg Revenue beat(4)-3.03%
Min Revenue beat(4)-6.47%
Max Revenue beat(4)-1.65%
Revenue beat(8)1
Avg Revenue beat(8)-2.14%
Revenue beat(12)3
Avg Revenue beat(12)-1.84%
Revenue beat(16)4
Avg Revenue beat(16)-1.68%
PT rev (1m)-11.2%
PT rev (3m)-19.32%
EPS NQ rev (1m)-0.75%
EPS NQ rev (3m)-1.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.3%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-2.58%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 6.57 | ||
| P/S | 0.75 | ||
| P/FCF | 9.8 | ||
| P/OCF | 6.78 | ||
| P/B | 2.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.99 |
EPS(TTM)9.39
EY12.59%
EPS(NY)11.35
Fwd EY15.22%
FCF(TTM)7.61
FCFY10.2%
OCF(TTM)10.99
OCFY14.74%
SpS99.5
BVpS30.05
TBVpS-3.94
PEG (NY)0.52
PEG (5Y)1.86
Graham Number79.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 24% | ||
| ROCE | 21.19% | ||
| ROIC | 14.63% | ||
| ROICexc | 65.48% | ||
| ROICexgc | N/A | ||
| OM | 13.18% | ||
| PM (TTM) | 7.25% | ||
| GM | 41.04% | ||
| FCFM | 7.65% |
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-Score7
Asset Turnover0.67
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 7.2 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 106.75% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 7.19 | ||
| Cash Conversion | 67.49% | ||
| Profit Quality | 105.51% | ||
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.15 | ||
| Altman-Z | 1.93 |
F-Score7
WACC7.29%
ROIC/WACC2.01
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 Y15.35%
EPS Next 2Y14.62%
EPS Next 3Y13.77%
EPS Next 5YN/A
Revenue 1Y (TTM)7.25%
Revenue growth 3Y10.03%
Revenue growth 5Y7.73%
Sales Q2Q%4.22%
Revenue Next Year6.54%
Revenue Next 2Y6.95%
Revenue Next 3Y6.94%
Revenue Next 5YN/A
EBIT growth 1Y15.4%
EBIT growth 3Y31.24%
EBIT growth 5Y1.15%
EBIT Next Year50.07%
EBIT Next 3Y20.31%
EBIT Next 5YN/A
FCF growth 1Y-54.62%
FCF growth 3Y25.15%
FCF growth 5Y10.43%
OCF growth 1Y-42.73%
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.
What is the valuation status for EEFT stock?
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.
What are the PE and PB ratios of EURONET WORLDWIDE INC (EEFT) stock?
The Price/Earnings (PE) ratio for EURONET WORLDWIDE INC (EEFT) is 7.94 and the Price/Book (PB) ratio is 2.48.