Euronet Worldwide (EEFT)
NASDAQ:EEFT
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Euronet Worldwide
(NASDAQ:EEFT)
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Rating:68Neutral
Price Target:
$77.00
▲(16.23% Upside)
Action:ReiteratedDate:02/27/26
The score is led by solid underlying financial performance (growth, profitability recovery, and positive free cash flow) and a supportive low P/E valuation. These are partially offset by weak technical trend signals and leverage/cash-flow variability, while earnings-call guidance is constructive but tempered by macro-driven weakness in Money Transfer and epay.
Positive Factors
Network scale & diversification
A massive global payments footprint creates a durable competitive moat: large cross-border and domestic distribution, multi-product distribution lanes, and partner leverage. Scale lowers unit costs, enables cross-sell across EFT/epay/Ria, and supports resilient revenue over a multi-quarter horizon.
Negative Factors
Elevated leverage
Meaningful and rising debt levels reduce financial flexibility and increase interest exposure if cash flows soften. At ~1.7x equity, incremental shocks to remittance volumes or retail payments could strain covenant headroom or limit opportunistic investment, making capital structure a medium‑term risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Network scale & diversification
A massive global payments footprint creates a durable competitive moat: large cross-border and domestic distribution, multi-product distribution lanes, and partner leverage. Scale lowers unit costs, enables cross-sell across EFT/epay/Ria, and supports resilient revenue over a multi-quarter horizon.
Read all positive factors
Euronet Worldwide (EEFT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.61B
Dividend YieldN/A
Average Volume (3M)680.62K
Price to Earnings (P/E)11.3
Beta (1Y)0.89
Revenue Growth7.25%
EPS Growth-1.12%
CountryUS
Employees10,600
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)2.39
Shares Outstanding39,330,670
10 Day Avg. Volume675,431
30 Day Avg. Volume680,621
Financial Highlights & Ratios
PEG Ratio-12.80
Price to Book (P/B)2.67
Price to Sales (P/S)0.82
P/FCF Ratio8.48
Enterprise Value/Market Cap1.32
Enterprise Value/Revenue0.81
Enterprise Value/Gross Profit1.46
Enterprise Value/Ebitda4.99
Forecast
1Y Price Target
$87.40Price Target Upside31.92% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)10.86
Revenue Forecast (FY)$4.51B
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 Worldwide generates revenue through multiple streams primarily derived from transaction fees, service fees, and foreign exchange spreads. The EFT Processing segment earns income from processing ATM and POS transactions, charging fees for e...
Euronet Worldwide Key Performance Indicators (KPIs)
Euronet Worldwide Earnings Call Summary
Earnings Call Date:Feb 12, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
Earnings Call Sentiment Positive
The call reflects a company with strong underlying earnings durability and strategic momentum—notably double-digit full-year adjusted EPS growth, EFT and merchant-acquiring strength, rapid digital growth in Ria, and accretive acquisitions—while acknowledging meaningful near-term headwinds concentrated in Money Transfer and epay driven by macroeconomic and immigration-related pressures. Management has initiated optimization actions (one-time $20M charge; ~$40M run-rate benefit expected) and reiterates 10%–15% adjusted EPS growth guidance for 2026. Overall, the positive operational and strategic developments and multi-year secular initiatives slightly outweigh the near-term softness and one-time costs, but the outlook retains some caution due to external factors affecting remittance frequency.Positive Updates
Sustained Double-Digit EPS Growth
Delivered adjusted EPS of $9.61 for the full year (FY2025) and $2.39 in the fourth quarter, representing the fifth consecutive year of double-digit adjusted EPS growth; company targets adjusted EPS growth of 10% to 15% for 2026.
Negative Updates
Challenging Macro & Policy Environment
Leadership described Q4 as one of the more challenging operating environments due to immigration policy uncertainty and economic stress among lower-income consumers, which pressured growth particularly in Money Transfer and epay.
Read all updates
Q4-2025 Updates
Positive
Negative
Sustained Double-Digit EPS Growth
Delivered adjusted EPS of $9.61 for the full year (FY2025) and $2.39 in the fourth quarter, representing the fifth consecutive year of double-digit adjusted EPS growth; company targets adjusted EPS growth of 10% to 15% for 2026.
Read all positive updates
Company Guidance
Management guided adjusted EPS growth of 10%–15% for 2026, supported by a 2025 baseline of adjusted EPS $9.61 (Q4 adjusted EPS $2.39) on full-year revenue of $4.2 billion, adjusted operating income $550 million and adjusted EBITDA $743 million; consolidated operating margins expanded ~30 basis points year‑over‑year and are expected to continue improving. They expect free cash flow to rise in line with the EPS outlook, finished the quarter with $1.0 billion of unrestricted cash and $2.0 billion of debt, returned ~$388 million to shareholders via buybacks in 2025, and flagged a $20 million charge tied to a Money Transfer optimization that should drive roughly $40 million of annual run‑rate benefit and expand Money Transfer operating margins by ~50–75 basis points in 2026. Segment dynamics cited as tailwinds include EFT Q4 revenue +8% / adjusted operating income +12% / adjusted EBITDA +13% (merchant acquiring adjusted EBITDA +32%), Money Transfer Q4 revenue -1% / adj. operating income -6% / adj. EBITDA -5% but Ria digital with 31% transaction growth, 33% revenue growth and 33% new customers in December, and epay merchant payment processing revenue +21% for the year (epay Q4 revenue -2% / adj. operating income -7% / adj. EBITDA -8%; gaming branded payments = 37% of branded payments margin); management also cited network scale (4.1B bank accounts, 3.7B wallets, 4.0B cards across 200 countries) and early CoreCard contribution of ~$10–12 million in the partial quarter.Euronet Worldwide Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.24B | 3.99B | 3.69B | 3.36B | 3.00B |
| Gross Profit | 3.53B | 950.30M | 862.30M | 806.40M | 1.10B |
| EBITDA | 667.10M | 635.00M | 565.50M | 521.30M | 358.40M |
| Net Income | 309.50M | 306.00M | 279.70M | 231.00M | 70.70M |
Balance Sheet | |||||
| Total Assets | 6.49B | 5.83B | 5.89B | 5.40B | 4.74B |
| Cash, Cash Equivalents and Short-Term Investments | 1.71B | 1.92B | 1.78B | 1.65B | 1.80B |
| Total Debt | 2.18B | 2.08B | 2.01B | 1.77B | 1.59B |
| Total Liabilities | 5.17B | 4.61B | 4.64B | 4.16B | 3.49B |
| Stockholders Equity | 1.31B | 1.23B | 1.25B | 1.24B | 1.26B |
Cash Flow | |||||
| Free Cash Flow | 410.80M | 615.60M | 548.70M | 644.03M | 314.37M |
| Operating Cash Flow | 536.30M | 732.80M | 643.10M | 748.29M | 406.58M |
| Investing Cash Flow | -137.60M | -223.30M | -157.60M | -453.78M | -98.11M |
| Financing Cash Flow | -766.00M | -135.70M | -143.20M | -1.15M | -212.24M |
Euronet Worldwide Technical Analysis
Negative
66.25
Price Trends
70.29
Negative
72.37
Negative
82.31
Negative
Market Momentum
-1.57
Positive
43.18
Neutral
29.60
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 66.25 is below the 20-day moving average (MA) of 68.23, below the 50-day MA of 70.29, and below the 200-day MA of 82.31, indicating a bearish trend. The MACD of -1.57 indicates Positive momentum. The RSI at 43.18 is Neutral, neither overbought nor oversold. The STOCH value of 29.60 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $1.66B | 27.73 | 9.84% | ― | 10.58% | -45.52% | |
70 Outperform | $2.19B | 36.17 | 9.82% | ― | 19.28% | 6.16% | |
68 Neutral | $2.61B | 11.26 | 23.78% | ― | 7.25% | -1.12% | |
65 Neutral | $3.37B | 41.81 | 8.61% | ― | 31.27% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | $43.18M | 640.13 | 0.58% | ― | 20.68% | 84.51% | |
45 Neutral | $34.55M | 23.79 | -3.13% | ― | 16.56% | 28.25% |
* Technology Sector Average
EEFT
Euronet Worldwide
68.16
-29.46
-30.18%
SPSC
SPS Commerce
55.56
-80.28
-59.10%
JG
Aurora Mobile
6.77
-1.56
-18.73%
KPLT
Katapult Holdings
6.97
-0.81
-10.41%
PAYO
Payoneer
4.65
-1.94
-29.44%
RELY
Remitly Global
16.67
-3.69
-18.12%
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.