Want to see EEFT full AI Analyst Report?
Top Page
Euronet Worldwide
(NASDAQ:EEFT)
Select Model
Select Model
Rating:65Neutral
Price Target:
$82.00
▲(3.39% Upside)
Action:Reiterated
Date:07/31/26
EEFT scores as moderately attractive: valuation is a key positive (low P/E), and the earnings call supports the growth narrative via reiterated EPS guidance and strong digital accelerators momentum. The main constraints are fundamental risk signals from higher leverage and weakening recent free cash flow, with technicals showing minor near-term softness despite a still-supportive medium-term trend.
Positive Factors
Diversified global payments platform
Euronet operates EFT processing, epay and Money Transfer across many geographies, which spreads revenue and operational risk. That multi-segment model supports stable transaction flows, cross-sell, and scale economics that sustain revenues and margins over a multi-month to multi-year horizon.
Negative Factors
Elevated leverage
Rising leverage reduces financial flexibility and raises interest-cost sensitivity; with debt-to-equity near 2.2, the company is more exposed to rate and cash-flow shocks, which can constrain investment, M&A optionality, and increase refinancing risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified global payments platform
Euronet operates EFT processing, epay and Money Transfer across many geographies, which spreads revenue and operational risk. That multi-segment model supports stable transaction flows, cross-sell, and scale economics that sustain revenues and margins over a multi-month to multi-year horizon.
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
$2.92B
Dividend YieldN/A
Average Volume (3M)651.91K
Price to Earnings (P/E)10.3
Beta (1Y)0.95
Revenue Growth5.76%
EPS GrowthN/A
CountryUS
Employees10,800
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)7.59
Shares Outstanding38,075,092
10 Day Avg. Volume541,747
30 Day Avg. Volume651,910
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$86.80Price Target Upside9.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)10.91
Revenue Forecast (FY)$4.55B
Euronet Worldwide Business Overview & Revenue Model
Company Description
Euronet Worldwide, Inc. delivers a comprehensive suite of payment and transaction processing and distribution services globally. Their clientele spans financial institutions, agents, retailers, merchants, content providers, and individual consumer...
How the Company Makes Money
Euronet makes money by earning fees and other transaction-based revenue across its three operating segments:
1) EFT Processing
- ATM-related revenue: Euronet generates revenue from transactions conducted at its ATMs (where it owns/operates ATM fl...
Euronet Worldwide Earnings Call Summary
Earnings Call Date:Jul 30, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 16, 2026
Earnings Call Sentiment Positive
The call highlights strong momentum in digital accelerators (31% Q / 35% YTD growth), continued adjusted EPS growth (+10%), strategic wins for CoreCard and epay distribution, solid free cash flow and ongoing share repurchases. These positives offset meaningful near-term weakness in cross-border/remittance volumes (cross-border revenue -5%; operating income -35%, adj. EBITDA -32%), softer ATM/travel-related transactions, and some non-cash and interest expense headwinds. Management reiterated full-year adjusted EPS guidance of +10%–15% and maintains the long-term growth thesis centered on digital accelerators.Positive Updates
Strong Adjusted EPS and Profitability
Adjusted EPS of $2.82, up 10% year-over-year — fifth consecutive quarter of double-digit earnings growth; operating income of $137 million and adjusted EBITDA of $193 million for the quarter.
Negative Updates
Cross-Border Payments Softness
Cross-border payments revenue declined ~5% year-over-year; operating income declined ~35% and adjusted EBITDA declined ~32% — driven by weaker U.S. outbound remittance volumes (notably U.S. to Mexico), unfavorable prior-year comp (non-recurring Pakistan fee rebate and FX opportunities), and incremental investments in digital accelerators.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Adjusted EPS and Profitability
Adjusted EPS of $2.82, up 10% year-over-year — fifth consecutive quarter of double-digit earnings growth; operating income of $137 million and adjusted EBITDA of $193 million for the quarter.
Read all positive updates
Company Guidance
Euronet reiterated full‑year adjusted EPS growth of 10%–15% (Q2 adjusted EPS was $2.82, +10% y/y) and maintained its prior ~6% revenue growth expectation for 2026, saying digital accelerators remain the primary growth engine (26% of company revenue YTD) with digital revenue up 31% in Q2 and 35% YTD (vs. the 23% Investor Day target); management expects quarterly earnings to be more evenly distributed this year (Q2–Q3 to be a smaller share), plans to continue its $125M–$150M annual share‑repurchase program (about $50M / 705k shares repurchased in Q2) funded by operating cash flow (≈$80M free cash flow in Q2), and expects ~400k–500k fewer shares outstanding through year‑end, while balance sheet and cost guidance includes $1.2B of unrestricted cash, ~ $1B deployed in ATM cash, $2.7B total debt, and roughly $6M of incremental interest expense for the remainder of the year.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 | 694.40M | 671.20M | 661.20M | 588.90M | 495.99M | 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
79.31
Price Trends
72.62
Negative
71.51
Negative
73.13
Negative
Market Momentum
2.39
Positive
60.95
Neutral
36.74
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 79.31 is above the 20-day moving average (MA) of 78.55, above the 50-day MA of 72.62, and above the 200-day MA of 73.13, indicating a bearish trend. The MACD of 2.39 indicates Positive momentum. The RSI at 60.95 is Neutral, neither overbought nor oversold. The STOCH value of 36.74 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $2.42B | 35.28 | 8.14% | ― | 9.80% | -5.52% | |
80 Outperform | $2.42B | 35.64 | 10.01% | ― | 7.19% | -36.03% | |
77 Outperform | $4.94B | 45.13 | 12.66% | ― | 27.27% | ― | |
65 Neutral | $2.92B | 10.31 | 30.39% | ― | 5.76% | ― | |
64 Neutral | $31.67M | 57.58 | 6.09% | ― | 13.23% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
54 Neutral | $30.34M | 5.04 | -27.93% | ― | 17.62% | ― |
* Technology Sector Average
EEFT
Euronet Worldwide
71.33
-23.06
-24.43%
SPSC
SPS Commerce
73.39
-33.70
-31.47%
JG
Aurora Mobile
5.60
-4.55
-44.80%
KPLT
Katapult Holdings
6.38
-6.36
-49.92%
PAYO
Payoneer
7.17
0.82
12.91%
RELY
Remitly Global
22.77
6.66
41.34%
Euronet Worldwide Corporate Events
Executive/Board ChangesShareholder Meetings
Euronet Shareholders Back Directors, Incentive Plan and Auditor
Positive
May 22, 2026
At its May 21, 2026 annual meeting, Euronet Worldwide shareholders elected Sara Baack and Ligia Torres Fentanes as Class II directors to serve three-year terms expiring at the 2029 annual meeting, reinforcing the company’s board composition ...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Euronet Worldwide Schedules Investor Day to Highlight Strategy
Neutral
May 20, 2026
Euronet Worldwide, Inc. announced that it will host an Investor Day presentation on May 20, 2026, providing investors with detailed materials on its financial performance and strategy. The company disclosed that these materials will include non-GA...
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.