Euronet Worldwide (EEFT) AI Stock Analysis

• Market Cap: $4.38B
• Dividend Yield: N/A
• Average Volume (3M): 379.12K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.85
• Revenue Growth: 7.73%
• EPS Growth: 19.76%
• Country: US
• Employees: 10,600
• Sector: Technology
• Sector Strength: 95
• Industry: Software - Infrastructure
• EPS (TTM): 2.56
• Shares Outstanding: 43,244,858
• 10 Day Avg. Volume: 366,368
• 30 Day Avg. Volume: 379,121
• PEG Ratio: 2.87
• Price to Book (P/B): 3.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.24
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 0.29
• Enterprise Value/Gross Profit: 3.56
• Enterprise Value/Ebitda: 1.76
• 1Y Price Target: $130.67
• Price Target Upside: 31.98% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 70 Outperform
• Price Target: $109.00 ▲(10.09%Upside)

Euronet Worldwide's overall score is primarily driven by its strong financial performance and positive earnings outlook. Despite weak technical indicators suggesting bearish momentum, the company's solid growth prospects and strategic acquisitions underpin its medium-term potential.

Positive Factors

Earnings

EEFT kicked off FY25 on a positive note, beating expectations on both the top and bottom line as all three core payments businesses drove healthy growth in the quarter.

Growth Opportunities

Certain initiatives to diversify the businesses, such as expanding ATM footprint into new geographies and digital remittances, are driving meaningful contributions to organic revenue and profit growth.

Negative Factors

Business Model Sustainability

Some investors remain concerned about the sustainability of Euronet’s various cash-centric businesses such as ATMs, along with competition/pricing concerns within the money transfer business.

Valuation Concerns

Despite its strong long-term track record, EEFT shares trade at 6.8 times 2025 EBITDA, which is well below recent M&A activity within fintech.

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 Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions, as well as delivers non-cash products. This segment operates a network of 42,713 ATMs and approximately 438,000 POS terminals. Its epay segment distributes and processed prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 775,000 POS terminals. The company's Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. This segment operates a network of approximately 510,000 money transfer locations. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.

How the Company Makes Money

Euronet Worldwide primarily generates revenue through its three business segments: EFT processing, epay, and money transfer. The EFT processing segment earns income by providing ATM outsourcing and network services, POS services, and card issuing services to financial institutions and retailers. The epay segment contributes by distributing prepaid mobile airtime and other electronic payment products through a vast network of retailers and digital channels. The money transfer segment generates revenue by facilitating international and domestic money transfers and bill payment services, targeting both the banked and unbanked populations. Euronet's extensive global network of ATMs, partnerships with financial institutions, retail networks, and digital platforms significantly bolster its ability to generate earnings across these diverse streams.

Euronet Worldwide Financial Statement Overview

Summary

Euronet Worldwide exhibits strong financial health with consistent revenue and profit growth, robust margins, and efficient cost management. While the balance sheet reflects stability, the leverage level requires monitoring. Cash flows are strong, with good cash generation capabilities.

Income Statement

Euronet Worldwide has shown consistent revenue growth over the years, with a notable increase from 2024 to TTM (Trailing-Twelve-Months). The Gross Profit Margin stands strong, indicating efficient cost management. Net Profit Margin has improved, reflecting increased profitability. EBIT and EBITDA margins are robust, showcasing operational efficiency. Overall, the company demonstrates a solid growth trajectory and profitability.

Balance Sheet

The company's balance sheet reveals a healthy equity position with a stable Equity Ratio, indicating good financial stability. The Debt-to-Equity Ratio suggests a moderate level of leverage, which should be monitored for potential risks. ROE has shown improvement, highlighting effective utilization of equity to generate profits. Overall, the balance sheet indicates stability with some leverage risks.

Cash Flow

Euronet Worldwide's cash flow statements reveal strong operating cash flow relative to net income, indicating efficient cash generation. The Free Cash Flow remains positive, although there is a slight decline in growth rate, which may need attention. The company maintains a positive Free Cash Flow to Net Income ratio, suggesting sound cash management. Overall, cash flows are healthy with minor fluctuations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.05B	3.99B	3.69B	3.36B	3.00B	2.48B
Gross Profit	1.27B	3.34B	1.47B	1.34B	1.10B	906.00M
EBITDA	660.30M	661.20M	588.90M	496.04M	309.63M	280.25M
Net Income	319.20M	306.00M	279.70M	231.00M	70.70M	-3.40M
Balance Sheet
Total Assets	6.05B	5.83B	5.89B	5.40B	4.74B	4.93B
Cash, Cash Equivalents and Short-Term Investments	2.10B	1.92B	1.78B	1.65B	1.80B	1.83B
Total Debt	2.35B	2.08B	2.01B	1.77B	1.59B	1.61B
Total Liabilities	4.75B	4.61B	4.64B	4.16B	3.49B	3.48B
Stockholders Equity	1.30B	1.23B	1.25B	1.24B	1.26B	1.45B
Cash Flow
Free Cash Flow	591.20M	615.60M	548.70M	644.03M	314.37M	155.88M
Operating Cash Flow	704.50M	732.80M	643.10M	748.29M	406.58M	253.50M
Investing Cash Flow	-181.20M	-223.30M	-157.60M	-453.78M	-98.11M	-105.53M
Financing Cash Flow	-54.40M	-135.70M	-143.20M	-1.15M	-212.24M	35.40M

Euronet Worldwide Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 99.01
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 99.01 is below the 20-day moving average (MA) of 103.42, below the 50-day MA of 105.35, and below the 200-day MA of 102.51, indicating a bearish trend. The MACD of -0.81 indicates Positive momentum. The RSI at 39.65 is Neutral, neither overbought nor oversold. The STOCH value of 34.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EEFT.

Euronet Worldwide Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FOUR	79 Outperform	$9.31B	35.39	30.28%	―	27.39%	115.40%
WEX	78 Outperform	$5.96B	21.70	22.19%	―	-1.62%	36.57%
ACIW	74 Outperform	$4.67B	17.20	19.69%	―	13.11%	91.21%
EEFT	70 Outperform	$4.38B	14.63	25.00%	―	7.73%	19.76%
RELY	69 Neutral	$3.51B	―	-0.71%	―	34.37%	95.80%
Sector *	57 Neutral	HK$14.05B	5.48	-5.77%	5.19%	9.65%	-43.80%
STNE	55 Neutral	$3.56B	8.73	-8.85%	―	-14.03%	-167.03%

Euronet Worldwide Corporate Events

Euronet Worldwide Announces CoreCard Acquisition Agreement

On July 30, 2025, Euronet Worldwide announced a merger agreement to acquire CoreCard Corporation in a stock-for-stock transaction valued at approximately $248 million. This acquisition aims to accelerate Euronet’s digital transformation strategy, expand its U.S. footprint, and extend CoreCard’s access to global markets. The merger is expected to enhance Euronet’s growth strategy by integrating CoreCard’s proven credit card platform and expertise, positioning Euronet to compete in a market traditionally dominated by legacy providers. The transaction, approved by both companies’ boards, is anticipated to close in late 2025, pending regulatory approvals and shareholder consent.

The most recent analyst rating on (EEFT) stock is a Buy with a $135.00 price target. To see the full list of analyst forecasts on Euronet Worldwide stock, see the EEFT Stock Forecast page.

Euronet Worldwide Elects Directors at Annual Meeting

On May 14, 2025, Euronet Worldwide, Inc. held its Annual Meeting of Stockholders, where Michael J. Brown, Sergi Herrero, and Brad Sprong were elected as Class I directors for a three-year term. Additionally, stockholders approved executive compensation and ratified KPMG LLP as the independent registered public accounting firm for the 2025 fiscal year, indicating strong support for the company’s current management and financial oversight.

The most recent analyst rating on (EEFT) stock is a Buy with a $140.00 price target. To see the full list of analyst forecasts on Euronet Worldwide stock, see the EEFT Stock Forecast page.