Euronet Worldwide (EEFT) AI Stock Analysis

• Market Cap: $3.93B
• Dividend Yield: N/A
• Average Volume (3M): 597.34K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.91
• Revenue Growth: 8.71%
• EPS Growth: 25.75%
• Country: US
• Employees: 10,600
• Sector: Technology
• Sector Strength: 92
• Industry: Software - Infrastructure
• EPS (TTM): 2.56
• Shares Outstanding: 40,996,170
• 10 Day Avg. Volume: 958,862
• 30 Day Avg. Volume: 597,340
• PEG Ratio: 0.92
• Price to Book (P/B): 3.76
• Price to Sales (P/S): 1.16
• P/FCF Ratio: 7.50
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: 1.15
• Enterprise Value/Gross Profit: 3.66
• Enterprise Value/Ebitda: 7.05
• 1Y Price Target: $127.25
• Price Target Upside: 33.74% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 75 Outperform
• Price Target: $106.00 ▲(11.40% Upside)

Euronet Worldwide has a strong financial foundation and positive earnings outlook, supported by strategic acquisitions and partnerships. While the stock appears undervalued, current technical indicators suggest caution due to bearish trends. The company's proactive growth strategies and positive earnings call sentiment are significant strengths.

Positive Factors

Earnings Growth

Product initiatives and acquisitions, alongside strong internal execution, are expected to support long-term earnings growth for Euronet Worldwide.

Shareholder Value

The risk-reward is viewed as compelling given EEFT’s diverse payments offerings and focus on returning capital to shareholders through share buybacks and accretive M&A.

Strategic Acquisitions

The acquisition of CoreCard is expected to be accretive to Euronet’s earnings per share in the first year.

Negative Factors

Cash-Centric Business Concerns

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.

Macroeconomic Environment

Results could be choppy given the uncertain global macroeconomic environment.

Market Sensitivity

The European travel ATM business remains the largest driver of the EFT segment, making results sensitive to the European travel season.

Euronet Worldwide Business Overview & Revenue Model

Company Description

Euronet Worldwide, Inc. (EEFT) is a global leader in electronic payment services, operating in various sectors including ATM networks, electronic money transfers, and payment processing services. The company provides a range of products and services designed to facilitate financial transactions across the globe, including ATM management, prepaid card services, and point-of-sale (POS) payment solutions. With a presence in multiple countries, Euronet supports consumers, businesses, and financial institutions by providing convenient and secure payment solutions.

How the Company Makes Money

Euronet Worldwide generates revenue through several key streams. Primarily, the company earns money from transaction fees associated with its ATM networks, where it operates and maintains ATMs globally. It also generates revenue from electronic funds transfers and money transfer services, charging fees for sending and receiving funds. Additionally, Euronet earns income from payment processing services offered to merchants and financial institutions, including POS transactions and prepaid card services. Significant partnerships with banks, financial institutions, and retail businesses further enhance its revenue model, as these collaborations expand its service offerings and customer base.

Euronet Worldwide Financial Statement Overview

Summary

Euronet Worldwide exhibits strong financial health with consistent revenue and profit growth, supported by robust margins. The balance sheet is stable, although leverage 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: 95.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 95.15 is below the 20-day moving average (MA) of 97.02, below the 50-day MA of 101.40, and below the 200-day MA of 102.18, indicating a bearish trend. The MACD of -1.90 indicates Negative momentum. The RSI at 42.66 is Neutral, neither overbought nor oversold. The STOCH value of 68.07 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
WEX	77 Outperform	$5.98B	21.82	22.19%	―	-1.62%	36.57%
EEFT	75 Outperform	$3.93B	13.10	25.94%	―	8.71%	25.75%
ACIW	74 Outperform	$4.80B	20.00	19.09%	―	11.22%	40.85%
FOUR	73 Outperform	$8.03B	33.42	19.00%	―	23.86%	79.35%
RELY	71 Outperform	$4.04B	318.43	2.10%	―	35.12%	―
STNE	56 Neutral	$4.23B	8.73	-8.77%	―	-20.82%	-154.29%
Sector *	49 Neutral	C$3.38B	0.24	-6.25%	7.64%	9.15%	-16.14%

Euronet Worldwide Corporate Events

Euronet Worldwide Completes $1 Billion Convertible Notes Offering

On August 15, 2025, Euronet Worldwide completed a private offering of $1 billion in Convertible Senior Notes due 2030, with a 0.625% interest rate. The proceeds, approximately $976.4 million after expenses, were used to repay existing credit facility borrowings and repurchase shares. The company also entered into capped call transactions to reduce potential stock dilution upon note conversion.

Euronet Worldwide Announces $850M Convertible Notes Offering

On August 13, 2025, Euronet Worldwide announced its intention to offer $850 million in convertible senior notes due 2030 in a private placement to qualified institutional buyers. The company plans to use the proceeds to repay existing debt and may repurchase up to $175 million of its common stock, potentially impacting the market price and conversion price of the notes. The capped call transactions associated with the notes are expected to mitigate dilution to Euronet’s common stock.

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.