Euronet Worldwide (EEFT)
NASDAQ:EEFT
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Euronet Worldwide
(NASDAQ:EEFT)
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Rating:60Neutral
Price Target:
$72.00
▼(-3.23% Downside)
Action:Downgraded
Date:05/09/26
The score is anchored by solid operating performance and a constructive earnings outlook, but is held back by rising leverage and weakening recent free-cash-flow trends. Technicals are also weak with the stock trading below key moving averages, while valuation (P/E ~20.8) is neutral.
Positive Factors
Revenue & profitability momentum
Consistent top-line expansion with mid-teens operating margins and stable net margins indicates durable earnings power. This supports reinvestment in product and network expansion, underpins cash generation over cycles, and gives management room to fund growth initiatives and returns to shareholders.
Negative Factors
Elevated leverage
Materially higher leverage reduces financial flexibility and amplifies refinancing risk, especially with a large Eurobond upcoming. Higher interest costs from refinancing can compress net income and constrain investment, making earnings more sensitive to cyclical slowdowns or margin pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & profitability momentum
Consistent top-line expansion with mid-teens operating margins and stable net margins indicates durable earnings power. This supports reinvestment in product and network expansion, underpins cash generation over cycles, and gives management room to fund growth initiatives and returns to shareholders.
Read all positive factors
Euronet Worldwide Key Performance Indicators (KPIs)
Any
Revenue by Segment
Examines revenue contributions from each business segment, providing a clear view of which segments are driving growth and how the business is diversified.
Examines revenue contributions from each business segment, providing a clear view of which segments are driving growth and how the business is diversified.
Data provided by:
The Fly
The FlyEuronet Worldwide (EEFT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.58B
Dividend YieldN/A
Average Volume (3M)698.99K
Price to Earnings (P/E)20.8
Beta (1Y)0.93
Revenue Growth7.22%
EPS Growth6.31%
CountryUS
Employees10,600
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)7.59
Shares Outstanding38,075,092
10 Day Avg. Volume660,516
30 Day Avg. Volume698,991
Financial Highlights & Ratios
PEG Ratio0.63
Price to Book (P/B)2.29
Price to Sales (P/S)0.71
P/FCF Ratio7.29
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue0.71
Enterprise Value/Gross Profit1.98
Enterprise Value/Ebitda4.52
Forecast
1Y Price Target
$88.33Price Target Upside18.73% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)10.95
Revenue Forecast (FY)$4.56B
Euronet Worldwide Business Overview & Revenue Model
Company Description
Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, agents, retailers, merchants, content providers, and individual consumers worldwide. The company's Electronic Fund Transfer P...
How the Company Makes Money
Euronet makes money by earning fees and margins across its three operating segments. (1) EFT Processing: Revenue is generated from ATM-related and electronic funds transfer services, including transaction and usage fees tied to ATM withdrawals and...
Euronet Worldwide Earnings Call Summary
Earnings Call Date:Apr 29, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
Overall the call was positive: the company reported solid core financial results (revenue, adjusted EPS, adjusted EBITDA), strong momentum in EFT/REN, epay and digital Money Transfer (digital transactions +35%, new digital customers +42%), meaningful product and infrastructure wins, a healthy balance sheet and continued share repurchases. These positives outweigh near-term lowlights—chiefly a 4% constant-currency revenue decline in Money Transfer tied to immigration policy, a new 1% remittance excise tax, Middle East volatility, some nonrecurring CoreCard revenue composition, and upcoming refinancing risk. Management reiterated full-year adjusted EPS growth guidance of 10%–15% and emphasized confidence in long-term strategic drivers.Positive Updates
Strong Earnings and Revenue
Revenue of $1.0 billion, operating income of $72 million, adjusted EBITDA of $126 million and adjusted EPS of $1.58. Adjusted EPS increased 40% year-over-year (from $1.13); excluding a prior-year one-time tax charge, adjusted EPS increased 19% (from $1.33).
Negative Updates
Money Transfer Revenue and Profit Pressure
Money Transfer revenue declined 4% on a constant-currency basis; total transactions decreased 2% to 43.9 million. Operating income ($38.9M) and adjusted EBITDA ($45M) were down year-over-year, with near-term volatility attributed to immigration policy, a 1% remittance excise tax on cash transactions, and geopolitical events in the Middle East.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Earnings and Revenue
Revenue of $1.0 billion, operating income of $72 million, adjusted EBITDA of $126 million and adjusted EPS of $1.58. Adjusted EPS increased 40% year-over-year (from $1.13); excluding a prior-year one-time tax charge, adjusted EPS increased 19% (from $1.33).
Read all positive updates
Company Guidance
Euronet reiterated full‑year guidance to deliver adjusted EPS growth of 10%–15% in 2026, citing a solid Q1 that supports that outlook: revenue $1.0B, operating income $72M, adjusted EBITDA $126M and adjusted EPS $1.58 (up 40% YoY from $1.13, or +19% ex a $0.20 one‑time tax), plus strong free cash flow and $100M of share repurchases (≈+$0.02 EPS benefit in Q1). Management pointed to balance‑sheet strength with $2.1B of unrestricted cash & ATM cash and $2.6B total debt, noted a $700M Eurobond maturing in May likely to be refinanced at a few hundred bps higher, and said seasonal earnings will be more evenly distributed (Q2–Q3 expected lighter than historical). They expect continued improvement in interchange and DAF across Europe and cited segment trends that back the guidance — EFT CC revenue +19% (installed ATMs +1% after ~1,400 deinstalls), epay CC revenue +2% (operating income +13%, adj. EBITDA +12%), and Money Transfer headwinds but digital strength with total transactions 43.9M (‑2%), digital transactions +35%, new digital customers +42%, network locations +4%, account deposits +12% now 44% of transactions and 58% of principal — plus progress on real‑time rails and stablecoin capabilities.Euronet Worldwide Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
56
Neutral
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.34B | 4.24B | 3.99B | 3.69B | 3.36B | 3.00B |
| Gross Profit | 1.56B | 1.75B | 950.30M | 862.30M | 806.40M | 1.10B |
| EBITDA | 686.00M | 671.20M | 635.00M | 565.50M | 521.30M | 358.40M |
| Net Income | 308.60M | 309.50M | 306.00M | 279.70M | 231.00M | 70.70M |
Balance Sheet | ||||||
| Total Assets | 6.33B | 6.49B | 5.83B | 5.89B | 5.40B | 4.74B |
| Cash, Cash Equivalents and Short-Term Investments | 2.13B | 1.71B | 1.92B | 1.78B | 1.65B | 1.80B |
| Total Debt | 2.70B | 2.18B | 2.08B | 2.01B | 1.77B | 1.59B |
| Total Liabilities | 5.11B | 5.17B | 4.61B | 4.64B | 4.16B | 3.49B |
| Stockholders Equity | 1.21B | 1.31B | 1.23B | 1.25B | 1.24B | 1.26B |
Cash Flow | ||||||
| Free Cash Flow | 281.80M | 410.80M | 615.60M | 548.70M | 644.03M | 314.37M |
| Operating Cash Flow | 412.60M | 536.30M | 732.80M | 643.10M | 748.29M | 406.58M |
| Investing Cash Flow | -112.60M | -137.60M | -223.30M | -157.60M | -453.78M | -98.11M |
| Financing Cash Flow | -486.40M | -766.00M | -135.70M | -143.20M | -1.15M | -212.24M |
Euronet Worldwide Technical Analysis
Negative
74.40
Price Trends
70.31
Negative
71.56
Negative
77.60
Negative
Market Momentum
-1.14
Positive
43.40
Neutral
32.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EEFT, the sentiment is Negative. The current price of 74.4 is above the 20-day moving average (MA) of 71.08, above the 50-day MA of 70.31, and below the 200-day MA of 77.60, indicating a bearish trend. The MACD of -1.14 indicates Positive momentum. The RSI at 43.40 is Neutral, neither overbought nor oversold. The STOCH value of 32.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EEFT.
Euronet Worldwide Risk Analysis
Euronet Worldwide disclosed 1 risk factors in its most recent earnings report. Euronet Worldwide reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Euronet Worldwide Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $4.54B | 16.85 | 12.66% | ― | 27.27% | ― | |
75 Outperform | $1.66B | 21.31 | 10.01% | ― | 7.19% | -36.03% | |
74 Outperform | $1.97B | 26.37 | 9.45% | ― | 13.79% | 11.28% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
60 Neutral | $2.58B | 20.79 | 24.04% | ― | 7.22% | 6.31% | |
57 Neutral | $36.74M | 22.16 | 0.58% | ― | 18.76% | ― | |
49 Neutral | $29.45M | 1.69 | -32.97% | ― | 17.62% | ― |
* Technology Sector Average
EEFT
Euronet Worldwide
67.78
-38.38
-36.15%
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Euronet Worldwide Corporate Events
Executive/Board ChangesShareholder Meetings
Euronet Worldwide Mourns Passing of Longtime Board Member
Negative
Apr 28, 2026
Euronet Worldwide announced on April 28, 2026, that longtime board member Andrzej Olechowski died on April 25, 2026, at the age of 78, ending more than two decades of service on the company’s board. In response, the board has withdrawn his n...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.