A Business at a Glance
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EURONET WORLDWIDE, INC.
EEFT
$3.6B
Mkt Cap
$79.31
+2.61%
EURONET WORLDWIDE, INC. (EEFT) has a current P/E ratio of 11.6, compared to its historical median P/E of 22.4. The stock is currently considered Fair based on its historical valuation range.
EURONET WORLDWIDE, INC. (EEFT) has a 5-year average return on invested capital (ROIC) of 9.0%. This is below average and may indicate limited pricing power.
EURONET WORLDWIDE, INC. (EEFT) has a market capitalization of $5.4B. It is classified as a mid-cap stock.
EURONET WORLDWIDE, INC. (EEFT) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 13.15%.
Based on historical P/E analysis, EURONET WORLDWIDE, INC. (EEFT) appears fair. The current P/E of 11.6 is 48% below its historical median of 22.4. The estimated fair value CAGR (P/E method) is 10.9%.
EURONET WORLDWIDE, INC. (EEFT) operates in the Functions Related To Depository Banking, Nec industry, within the Financials sector.
EURONET WORLDWIDE, INC. (EEFT) reported annual revenue of $4.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
Euronet is a global leader in electronic payment and transaction processing solutions serving financial institutions, retailers, service providers, and consumers across more than 200 countries and territories. The company operates three core segments: EFT (Electronic Funds Transfer), which processes transactions through a network of 56,818 ATMs and approximately 610,000 POS terminals, generating 30% of consolidated revenues; epay, which distributes physical and digital third-party content through approximately 749,000 POS terminals across 60+ countries in partnership with 1,000+ leading brands, accounting for 28% of revenues; and Money Transfer, which provides real-time cross-border payments through Ria Money Transfer, Xe, and the Dandelion platform across 207 countries and territories, representing 42% of revenues. The company's business model combines asset-light software and platform services with owned and outsourced infrastructure, generating revenue through transaction processing fees, interchange rates, direct access fees, and subscription-based services. Euronet's competitive moat derives from its extensive global distribution network, deep banking and fintech relationships, regulatory expertise and compliance capabilities across emerging markets, and proprietary technology platforms that enable digital and cash payment solutions. The company recently expanded its addressable market through the October 2025 acquisition of CoreCard Corporation, a digital-first issuer processor, and a 60% stake in Kyodai Remittance in Japan, positioning it to serve growing credit card demand in emerging markets and strengthen its payment processing capabilities.
【Digital growth and margin expansion】 Management expects adjusted earnings per share growth of 10%-15% in 2026, driven by continued digital transformation across all three segments, particularly accelerated digital transaction growth and new customer acquisition in Money Transfer. The company anticipates Money Transfer operating margins will expand by approximately 50-75 basis points in 2026 as targeted investments in digital products and operational efficiency initiatives mature, with benefits expected to be back-end loaded as restructuring programs are completed. Euronet expects to benefit from evolving ATM regulatory frameworks across Europe, where approximately 15 countries have implemented formal cash access frameworks that are expected to support improved pricing structures and interchange rates. The company is launching stablecoin-enabled use cases in the first quarter of 2026 beginning with treasury settlement and cross-border transfers, positioning its global infrastructure and regulatory expertise to facilitate compliant digital asset movement. Management remains confident in its ability to deliver consistent double-digit earnings growth, supported by strong free cash flow generation, a disciplined capital allocation approach, and a robust pipeline of growth initiatives across its diversified business portfolio.
| Metric | Target | Period |
|---|---|---|
| Adjusted earnings per share growth | 10%-15% | FY2026 |
| Money Transfer operating margin expansion | 50-75 basis points | FY2026 |
Adjusted earnings per share growth (FY2026): “we anticipate adjusted earnings per share growth to growth of 10%-15% in 2026, with multiple levers to drive performance as volume normalize and investments scale”
Money Transfer operating margin expansion (FY2026): “The net benefit of this investment will meaningfully contribute to an expansion in the Money Transfer segment's operating margins by approximately 50-75 basis points in 2026.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.3B | 4.2B | 4.0B | 3.7B | 3.4B | 3.0B |
| Net Income | 309M | 310M | 306M | 280M | 231M | 71M |
| EPS | $4.69 | $6.84 | $6.45 | $5.50 | $4.41 | $1.32 |
| Free Cash Flow | 305M | 434M | 616M | 549M | 644M | 314M |
| ROIC | 13.6% | 13.1% | 11.5% | 9.6% | 8.4% | 2.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 2.14 | 1.57 | 2.01 | 1.92 | 1.66 | 1.36 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 527M | 530M | 503M | 433M | 385M | 184M |
| Operating Margin | 12.1% | 12.5% | 12.6% | 11.7% | 11.5% | 6.1% |
| ROE | 25.5% | 24.4% | 24.7% | 22.4% | 18.5% | 5.2% |
| Shares Outstanding | 68M | 45M | 47M | 51M | 52M | 54M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.7B | 1.8B | 2.0B | 2.3B | 2.5B | 2.8B | 2.5B | 3.0B | 3.4B | 3.7B | 4.0B | 4.2B | 4.3B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | 2.9M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 243M | 259M | 288M | 311M | 360M | 395M | 404M | 485M | 534M | 603M | 650M | 713M | 382M |
| EBIT | 159M | 205M | 250M | 266M | 358M | 475M | 47M | 184M | 385M | 433M | 503M | 530M | 527M |
| Op. Margin | 9.5% | 11.6% | 12.8% | 11.8% | 14.1% | 17.3% | 1.9% | 6.1% | 11.5% | 11.7% | 12.6% | 12.5% | 12.1% |
| Net Income | 102M | 99M | 174M | 157M | 233M | 347M | -3.4M | 71M | 231M | 280M | 306M | 310M | 309M |
| Net Margin | 6.1% | 5.6% | 8.9% | 7.0% | 9.2% | 12.6% | -0.1% | 2.4% | 6.9% | 7.6% | 7.7% | 7.3% | 7.1% |
| Non-Recurring | 0 | 0 | 0 | 32M | 0 | 0 | 107M | 0 | 0 | 0 | 0 | 3.0M | 3.0M |
| Returns on Capital | |||||||||||||
| ROIC | 10.4% | 8.4% | 13.0% | 10.2% | 13.6% | 15.4% | -0.1% | 2.5% | 8.4% | 9.6% | 11.5% | 13.1% | 13.6% |
| ROE | 14.9% | 12.7% | 20.2% | 15.0% | 19.2% | 24.7% | -0.2% | 5.2% | 18.5% | 22.4% | 24.7% | 24.4% | 25.5% |
| ROA | 5.6% | 4.7% | 7.1% | 5.4% | 7.2% | 8.7% | -0.1% | 1.5% | 4.6% | 5.0% | 5.2% | 5.0% | 4.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 235M | 215M | 392M | 286M | 397M | 504M | 254M | 406M | 748M | 643M | 733M | 560M | 436M |
| Free Cash Flow | 172M | 140M | 304M | 189M | 285M | 373M | 156M | 314M | 644M | 549M | 616M | 434M | 305M |
| Owner Earnings | 151M | 132M | 296M | 176M | 274M | 371M | 105M | 234M | 568M | 457M | 557M | 366M | 164M |
| CapEx | 63M | 75M | 87M | 97M | 112M | 131M | 98M | 92M | 104M | 94M | 117M | 126M | 131M |
| Maint. CapEx | 71M | 70M | 81M | 95M | 106M | 112M | 127M | 136M | 136M | 133M | 132M | 139M | 213M |
| Growth CapEx | 0 | 4.6M | 6.9M | 2.2M | 6.5M | 20M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 71M | 70M | 81M | 95M | 106M | 112M | 127M | 136M | 136M | 133M | 132M | 139M | 213M |
| CapEx/OCF | 26.8% | 34.7% | 23.7% | 34.0% | 28.3% | 26.0% | 38.5% | 22.7% | 13.9% | 14.7% | 16.0% | 22.4% | 30.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 66M | 6.1M | 77M | 3.1M | 178M | 74M | 242M | 230M | 176M | 378M | 269M | 668M | 707M |
| Buyback Yield | 2.1% | 0.2% | 2.0% | 0.1% | 3.2% | N/A | 3.0% | 3.6% | 3.6% | 7.3% | 5.4% | 19.3% | 13.1% |
| Stock-Based Comp | 13M | 13M | 15M | 16M | 17M | 21M | 22M | 37M | 44M | 54M | 44M | 55M | 59M |
| Debt Repayment | 4.3M | 1.8M | 6.8M | 1.9M | 9.5M | 49M | 49M | 49M | 7.7B | 7.4B | 8.0B | 492M | 492M |
| Balance Sheet | |||||||||||||
| Net Debt | -54M | -80M | -58M | -453M | -287M | -752M | -391M | -382M | 73M | 156M | -21M | -307M | 1.4B |
| Cash & Equiv. | 468M | 503M | 812M | 901M | 1.1B | 1.8B | 2.1B | 2.1B | 2.0B | 2.2B | 2.5B | 2.4B | 1.2B |
| Long-Term Debt | 397M | 405M | 562M | 404M | 590M | 1.1B | 1.4B | 1.4B | 1.6B | 1.7B | 1.1B | 1.0B | 1.6B |
| Debt/Equity | 0.57 | 0.51 | 0.84 | 0.37 | 0.68 | 0.67 | 1.18 | 1.36 | 1.66 | 1.92 | 2.01 | 1.57 | 2.14 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.6 |
| Equity | 731M | 825M | 900M | 1.2B | 1.2B | 1.6B | 1.4B | 1.3B | 1.2B | 1.2B | 1.2B | 1.3B | 1.2B |
| Total Assets | 2.0B | 2.2B | 2.7B | 3.1B | 3.3B | 4.7B | 4.9B | 4.7B | 5.4B | 5.9B | 5.8B | 6.5B | 6.3B |
| Total Liabilities | 1.3B | 1.4B | 1.8B | 1.9B | 2.1B | 3.1B | 3.5B | 3.5B | 4.2B | 4.6B | 4.6B | 5.2B | 5.1B |
| Intangibles | 158M | 168M | 165M | 151M | 114M | 142M | 122M | 98M | 188M | 168M | 189M | 261M | 250M |
| Retained Earnings | 5.6M | 104M | 279M | 437M | 670M | 1.0B | 1.0B | 1.1B | 1.3B | 1.6B | 1.9B | 2.2B | 2.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.89 | 1.83 | 3.23 | 2.85 | 4.26 | 6.31 | -0.06 | 1.32 | 4.41 | 5.50 | 6.45 | 6.84 | 4.69 |
| Owner EPS | 2.80 | 2.45 | 5.48 | 3.19 | 5.02 | 6.76 | 1.85 | 4.37 | 10.85 | 8.98 | 11.74 | 8.09 | 2.43 |
| Book Value | 13.59 | 15.27 | 16.66 | 21.78 | 22.55 | 28.74 | 25.52 | 23.44 | 23.76 | 24.58 | 25.90 | 28.90 | 17.87 |
| Cash Flow/Share | 4.37 | 3.98 | 7.25 | 5.20 | 7.27 | 9.18 | 4.47 | 7.59 | 14.29 | 12.65 | 15.45 | 12.37 | 7.69 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 53.8M | 54.0M | 54.0M | 55.0M | 54.7M | 55.0M | 56.6M | 53.6M | 52.4M | 50.9M | 47.4M | 45.2M | 67.8M |
| Valuation | |||||||||||||
| P/E Ratio | 30.4 | 40.4 | 22.4 | 29.5 | 23.8 | 25.1 | N/A | 90.5 | 21.2 | 18.6 | 16.2 | 11.2 | 16.9 |
| P/FCF | 18.0 | 28.4 | 12.8 | 24.5 | 19.4 | 23.3 | 51.2 | 20.4 | 7.6 | 9.5 | 8.1 | 8.0 | 17.6 |
| EV/EBIT | 16.2 | 17.1 | 12.1 | 13.0 | 15.2 | N/A | 141.2 | 28.8 | 11.0 | 10.9 | 10.3 | 8.3 | 12.8 |
| Price/Book | 4.2 | 4.8 | 4.3 | 3.9 | 4.5 | N/A | 5.5 | 5.1 | 3.9 | 4.2 | 4.0 | 2.6 | 4.4 |
| Price/Sales | 1.5 | 1.9 | 2.1 | 2.1 | 2.0 | N/A | 2.5 | 2.4 | 1.7 | 1.4 | 1.2 | 1.0 | 1.2 |
| FCF Yield | 5.6% | 3.5% | 7.8% | 4.1% | 5.1% | N/A | 2.0% | 4.9% | 13.2% | 10.5% | 12.4% | 12.5% | 5.7% |
| Market Cap | 3.1B | 4.0B | 3.9B | 4.6B | 5.5B | N/A | 8.0B | 6.4B | 4.9B | 5.2B | 5.0B | 3.5B | 5.4B |
| Avg. Price | 47.50 | 63.91 | 75.21 | 87.76 | 93.34 | 145.60 | 109.58 | 135.60 | 106.54 | 99.40 | 104.27 | 94.76 | 79.31 |
| Year-End Price | 57.54 | 73.94 | 72.33 | 84.21 | 101.18 | 158.37 | 140.95 | 119.41 | 93.41 | 102.53 | 104.60 | 76.56 | 79.31 |
EURONET WORLDWIDE, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
EURONET WORLDWIDE, INC. trades at 11.6x trailing earnings, compared to its 15-year median P/E of 22.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.2x vs a median of 16.1x. The company's 5-year average ROIC is 9.0%. Total shareholder yield (buybacks) is 13.1%. At current prices, the estimated annualized return to fair value is +45.3%.
EURONET WORLDWIDE, INC. (EEFT) has a net profit margin of 7.3%. This is a modest margin.
EURONET WORLDWIDE, INC. (EEFT) generated $434 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EURONET WORLDWIDE, INC. (EEFT) has a debt-to-equity ratio of 1.57. This indicates higher leverage, which may increase financial risk.
EURONET WORLDWIDE, INC. (EEFT) reported earnings per share (EPS) of $6.84 in its most recent fiscal year.
EURONET WORLDWIDE, INC. (EEFT) has a return on equity (ROE) of 24.4%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 16 years of financial data for EURONET WORLDWIDE, INC. (EEFT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EURONET WORLDWIDE, INC. (EEFT) has a book value per share of $28.90, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects adjusted earnings per share growth of 10%-15% in 2026, driven by continued digital transformation across all three segments, particularly accelerated digital transaction growth and new customer acquisition in Money Transfer. The company anticipates Money Transfer operating margins will expand by approximately 50-75 basis points in 2026 as targeted investments in digital products and operational efficiency initiatives mature, with benefits expected to be back-end loaded as restructuring programs are completed. Euronet expects to benefit from evolving ATM regulatory frameworks across Europe, where approximately 15 countries have implemented formal cash access frameworks that are expected to support improved pricing structures and interchange rates. The company is launching stablecoin-enabled use cases in the first quarter of 2026 beginning with treasury settlement and cross-border transfers, positioning its global infrastructure and regulatory expertise to facilitate compliant digital asset movement. Management remains confident in its ability to deliver consistent double-digit earnings growth, supported by strong free cash flow generation, a disciplined capital allocation approach, and a robust pipeline of growth initiatives across its diversified business portfolio.
Based on recent SEC filings and earnings calls, EURONET WORLDWIDE, INC. (EEFT) has provided the following forward guidance: Adjusted earnings per share growth: 10%-15% (FY2026); Money Transfer operating margin expansion: 50-75 basis points (FY2026).