EEFT Fundamental Analysis - EURONET WORLDWIDE INC

Fundamental Rating

Taking everything into account, EEFT scores 6 out of 10 in our fundamental rating. EEFT was compared to 102 industry peers in the Financial Services industry. EEFT has an average financial health and profitability rating. EEFT is valued quite cheap, while showing a decent growth score. This is a good combination! This makes EEFT very considerable for value investing!

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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.

1.2 Ratios

EEFT has a better Return On Assets (5.08%) than 74.51% of its industry peers.

The Return On Equity of EEFT (24.61%) is better than 89.22% of its industry peers.

EEFT's Return On Invested Capital of 14.19% is amongst the best of the industry. EEFT outperforms 92.16% 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 7.59%.

The 3 year average ROIC (10.46%) for EEFT is below the current ROIC(14.19%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	5.08%
ROE	24.61%
ROIC	14.19%

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 has a Profit Margin of 8.04%. This is comparable to the rest of the industry: EEFT outperforms 48.04% of its industry peers.

In the last couple of years the Profit Margin of EEFT has declined.

Looking at the Operating Margin, with a value of 13.02%, EEFT is in line with its industry, outperforming 50.00% of the companies in the same industry.

EEFT's Operating Margin has declined in the last couple of years.

EEFT has a Gross Margin (40.62%) 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	13.02%
PM (TTM)	8.04%
GM	40.62%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), EEFT is creating value.

EEFT has less shares outstanding than it did 1 year ago.

EEFT has less shares outstanding than it did 5 years ago.

EEFT has a worse debt/assets ratio than last year.

2.2 Solvency

An Altman-Z score of 1.89 indicates that EEFT is not a great score, but indicates only limited risk for bankruptcy at the moment.

EEFT has a better Altman-Z score (1.89) than 72.55% of its industry peers.

EEFT has a debt to FCF ratio of 4.26. This is a neutral value as EEFT would need 4.26 years to pay back of all of its debts.

The Debt to FCF ratio of EEFT (4.26) is better than 70.59% of its industry peers.

A Debt/Equity ratio of 0.74 indicates that EEFT is somewhat dependend on debt financing.

EEFT has a Debt to Equity ratio (0.74) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.74
Debt/FCF	4.26
Altman-Z	1.89

ROIC/WACC1.96

WACC7.23%

2.3 Liquidity

A Current Ratio of 1.15 indicates that EEFT should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.15, EEFT is in line with its industry, outperforming 56.86% of the companies in the same 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 Quick ratio value of 1.15, EEFT perfoms like the industry average, outperforming 56.86% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.15
Quick Ratio	1.15

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EEFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.24%, which is quite good.

EEFT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.27% yearly.

The Revenue has grown by 8.71% in the past year. This is quite good.

EEFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.73% yearly.

EPS 1Y (TTM)8.24%

EPS 3Y32.91%

EPS 5Y4.27%

EPS Q2Q%13.78%

Revenue 1Y (TTM)8.71%

Revenue growth 3Y10.03%

Revenue growth 5Y7.73%

Sales Q2Q%8.93%

3.2 Future

Based on estimates for the next years, EEFT will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.92% on average per year.

Based on estimates for the next years, EEFT will show a quite strong growth in Revenue. The Revenue will grow by 8.20% on average per year.

EPS Next Y15.72%

EPS Next 2Y15.05%

EPS Next 3Y13.92%

EPS Next 5YN/A

Revenue Next Year8.66%

Revenue Next 2Y8.29%

Revenue Next 3Y8.2%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.59 indicates a reasonable valuation of EEFT.

Compared to the rest of the industry, the Price/Earnings ratio of EEFT indicates a somewhat cheap valuation: EEFT is cheaper than 69.61% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of EEFT to the average of the S&P500 Index (27.13), we can say EEFT is valued rather cheaply.

EEFT is valuated reasonably with a Price/Forward Earnings ratio of 8.15.

Based on the Price/Forward Earnings ratio, EEFT is valued a bit cheaper than the industry average as 71.57% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, EEFT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	8.15

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EEFT indicates a rather cheap valuation: EEFT is cheaper than 90.20% of the companies listed in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EEFT indicates a rather cheap valuation: EEFT is cheaper than 90.20% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.68
EV/EBITDA	5.96

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 13.92% in the coming years.

PEG (NY)0.67

PEG (5Y)2.48

EPS Next 2Y15.05%

EPS Next 3Y13.92%

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5. Dividend

5.1 Amount

EEFT does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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EURONET WORLDWIDE INC

NASDAQ:EEFT (8/29/2025, 8:17:58 PM)

After market: 93.19 0 (0%)

93.19

-0.82 (-0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-21 2025-10-21/bmo

Inst Owners97.71%

Inst Owner Change-2.07%

Ins Owners6.41%

Ins Owner Change-3.5%

Market Cap3.82B

Analysts83.75

Price Target130.27 (39.79%)

Short Float %6.19%

Short Ratio4.6

Dividend

		Industry Rank	Sector 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)-0.27%

Min EPS beat(2)-5.67%

Max EPS beat(2)5.13%

EPS beat(4)1

Avg EPS beat(4)-1.5%

Min EPS beat(4)-5.67%

Max EPS beat(4)5.13%

EPS beat(8)3

Avg EPS beat(8)1.94%

EPS beat(12)5

Avg EPS beat(12)2.6%

EPS beat(16)7

Avg EPS beat(16)2.28%

Revenue beat(2)0

Avg Revenue beat(2)-1.95%

Min Revenue beat(2)-2.25%

Max Revenue beat(2)-1.65%

Revenue beat(4)1

Avg Revenue beat(4)-1.36%

Min Revenue beat(4)-2.25%

Max Revenue beat(4)0.21%

Revenue beat(8)2

Avg Revenue beat(8)-1.32%

Revenue beat(12)3

Avg Revenue beat(12)-1.45%

Revenue beat(16)5

Avg Revenue beat(16)-1.14%

PT rev (1m)1.87%

PT rev (3m)2.44%

EPS NQ rev (1m)1.12%

EPS NQ rev (3m)1.33%

EPS NY rev (1m)-0.38%

EPS NY rev (3m)-0.38%

Revenue NQ rev (1m)0.33%

Revenue NQ rev (3m)1.58%

Revenue NY rev (1m)0.16%

Revenue NY rev (3m)0.3%

Valuation

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	8.15
P/S	0.92
P/FCF	6.68
P/OCF	5.42
P/B	2.83
P/tB	N/A
EV/EBITDA	5.96

EPS(TTM)8.8

EY9.44%

EPS(NY)11.44

Fwd EY12.27%

FCF(TTM)13.96

FCFY14.98%

OCF(TTM)17.2

OCFY18.46%

SpS100.89

BVpS32.97

TBVpS-1.52

PEG (NY)0.67

PEG (5Y)2.48

Profitability

		Industry Rank	Sector Rank
ROA	5.08%
ROE	24.61%
ROCE	20.56%
ROIC	14.19%
ROICexc	105.33%
ROICexgc	N/A
OM	13.02%
PM (TTM)	8.04%
GM	40.62%
FCFM	13.84%

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 Turnover0.63

Health

		Industry Rank	Sector Rank
Debt/Equity	0.74
Debt/FCF	4.26
Debt/EBITDA	1.5
Cap/Depr	101.14%
Cap/Sales	3.21%
Interest Coverage	6.56
Cash Conversion	105.24%
Profit Quality	172.02%
Current Ratio	1.15
Quick Ratio	1.15
Altman-Z	1.89

F-Score8

WACC7.23%

ROIC/WACC1.96

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)8.24%

EPS 3Y32.91%

EPS 5Y4.27%

EPS Q2Q%13.78%

EPS Next Y15.72%

EPS Next 2Y15.05%

EPS Next 3Y13.92%

EPS Next 5YN/A

Revenue 1Y (TTM)8.71%

Revenue growth 3Y10.03%

Revenue growth 5Y7.73%

Sales Q2Q%8.93%

Revenue Next Year8.66%

Revenue Next 2Y8.29%

Revenue Next 3Y8.2%

Revenue Next 5YN/A

EBIT growth 1Y16.43%

EBIT growth 3Y31.24%

EBIT growth 5Y1.15%

EBIT Next Year52.64%

EBIT Next 3Y22.13%

EBIT Next 5YN/A

FCF growth 1Y-16.68%

FCF growth 3Y25.15%

FCF growth 5Y10.43%

OCF growth 1Y-10.48%

OCF growth 3Y21.7%

OCF growth 5Y7.75%

EURONET WORLDWIDE INC (EEFT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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