Euronet Worldwide (EEFT) AI Stock Analysis

• Market Cap: $4.44B
• Dividend Yield: N/A
• Average Volume (3M): 418.33K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.84
• Revenue Growth: 7.73%
• EPS Growth: 19.76%
• Country: US
• Employees: 10,600
• Sector: Technology
• Sector Strength: 91
• Industry: Software - Infrastructure
• EPS (TTM): 1.13
• Shares Outstanding: 43,244,858
• 10 Day Avg. Volume: 310,305
• 30 Day Avg. Volume: 418,333
• PEG Ratio: 0.08
• Price to Book (P/B): 3.81
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.35
• Enterprise Value/Market Cap: 1.09
• Enterprise Value/Revenue: 0.31
• Enterprise Value/Gross Profit: 4.62
• Enterprise Value/Ebitda: 1.94
• 1Y Price Target: $127.83
• Price Target Upside: 24.46% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7

• Rating: 71 Outperform
• Price Target: $113.00 ▲(10.02%Upside)

Euronet Worldwide's strong financial performance, particularly in revenue growth and financial stability, significantly contributes to its overall score. Positive earnings call insights about segment growth and future outlook further support this position, despite technical analysis indicating short-term bearish trends.

Positive Factors

Business Diversification

Euronet operates a globally diversified business with 76% of revenue generated outside the U.S., generating strong free cash flow and prioritizing share repurchases.

Growth Opportunities

Euronet has consistently found new growth opportunities, with operating income growing at 16% and adjusted EPS at 15% compound annual rates.

Stock Performance

EEFT shares have outperformed, and the risk/reward remains attractive given its diverse payments offerings.

Negative Factors

Macroeconomic Environment

Results could be choppy given the uncertain global macroeconomic environment.

Market Sensitivity

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

Valuation Concerns

Euronet shares trade at 6.8 times 2025 EBITDA, which is below recent M&A activity within fintech, raising concerns about the sustainability of its cash-centric businesses.

Euronet Worldwide Business Overview & Revenue Model

Company Description

Euronet Worldwide, Inc. (EEFT) is a leading global financial technology solutions and payments provider. The company operates in three primary segments: electronic funds transfer (EFT) processing, epay, and money transfer. Euronet delivers comprehensive solutions to financial institutions, retailers, service providers, and individual consumers, offering services such as ATM and point-of-sale (POS) operations, mobile and online transaction processing, prepaid product distribution, and international money transfers.

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 shows solid financial health with strong revenue growth, improved net profit margins, and enhanced ROE. The significant reduction in debt improves financial stability, despite some pressure on the EBITDA margin.

Income Statement

Euronet Worldwide has demonstrated strong revenue growth with a 8.18% increase in total revenue from 2023 to 2024. The gross profit margin is impressive at 83.76%, highlighting efficient cost management. However, the EBITDA margin has decreased to 5.38%, indicating some operational cost pressures. The EBIT margin is stable at 12.62%, and the net profit margin has improved to 7.67%, suggesting enhanced profitability.

Balance Sheet

The company's debt-to-equity ratio has improved significantly from 1.61 in 2023 to 0.77 in 2024, reflecting a reduction in leverage and improved financial stability. The equity ratio is steady at 21.05%, indicating consistent equity funding relative to total assets. Return on equity has increased to 24.90%, showcasing effective use of equity capital to generate profits.

Cash Flow

Euronet Worldwide's free cash flow has grown by 12.19% year-over-year, reflecting strong cash generation capabilities. The operating cash flow to net income ratio is robust at 2.39, indicating efficient conversion of income to cash. The free cash flow to net income ratio is high at 2.01, demonstrating strong cash flow relative to profit.

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

Euronet Worldwide Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 102.71
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 102.71 is below the 20-day moving average (MA) of 104.25, below the 50-day MA of 106.46, and above the 200-day MA of 102.25, indicating a neutral trend. The MACD of -0.21 indicates Negative momentum. The RSI at 42.91 is Neutral, neither overbought nor oversold. The STOCH value of 71.97 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	$8.94B	34.14	30.28%	―	27.39%	115.40%
EEFT	71 Outperform	$4.44B	15.18	25.00%	―	7.73%	19.76%
WEX	70 Outperform	$5.16B	19.39	24.37%	―	0.90%	26.13%
ACIW	67 Neutral	$4.61B	17.30	19.69%	―	13.11%	91.21%
STNE	66 Neutral	$4.20B	8.73	-8.85%	―	-14.03%	-167.03%
RELY	63 Neutral	$3.54B	―	-0.71%	―	34.37%	95.80%
Sector *	63 Neutral	€39.57B	5.66	-22.20%	1.72%	5.11%	63.24%

Euronet Worldwide Corporate Events

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.