Euronet Worldwide (EEFT) AI Stock Analysis

• Market Cap: $3.09B
• Dividend Yield: N/A
• Average Volume (3M): 771.94K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.95
• Revenue Growth: 7.25%
• EPS Growth: -1.12%
• Country: US
• Employees: 10,600
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 3.62
• Shares Outstanding: 42,132,470
• 10 Day Avg. Volume: 676,939
• 30 Day Avg. Volume: 771,938
• 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: 1.51
• Enterprise Value/Revenue: 1.11
• Enterprise Value/Gross Profit: 2.79
• Enterprise Value/Ebitda: 6.63
• 1Y Price Target: $117.60
• Price Target Upside: 63.77% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $79.00 ▲(10.01% Upside)

Euronet Worldwide's overall stock score reflects strong financial performance and resilience in earnings growth despite external challenges. However, technical indicators suggest bearish momentum, and high leverage poses a risk. The company's undervaluation presents a potential opportunity for long-term growth.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust market demand and effective business strategies, supporting long-term financial stability.

Technological Advancements

Investments in technology and partnerships enhance competitive advantage and position Euronet for future growth in digital payments.

Digital Transaction Growth

Significant growth in digital transactions reflects strong adaptation to digital trends, expanding Euronet's reach and customer base.

Negative Factors

High Leverage

High leverage can limit financial flexibility and increase risk, especially in volatile economic conditions, impacting long-term stability.

Declining Free Cash Flow

Decreasing free cash flow growth may constrain future investments and operational flexibility, affecting long-term growth prospects.

Revenue Growth Below Expectations

Underperformance in revenue growth due to external factors highlights vulnerability to macroeconomic changes, impacting future earnings potential.

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 shows strong revenue growth and profitability with efficient operational management. However, high leverage and declining free cash flow growth present potential risks. The company should focus on improving cash conversion and managing its debt levels.

Income Statement

Euronet Worldwide has demonstrated strong revenue growth with a TTM increase of 12.2% and consistent profitability, evidenced by a solid gross profit margin of 46.99% and a net profit margin of 7.28%. The EBIT and EBITDA margins are healthy at 12.53% and 15.72% respectively, indicating efficient operational management. However, the slight decline in net profit margin from the previous year suggests room for improvement in cost management.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio of 1.92, indicating significant leverage, which could pose risks if not managed carefully. However, the return on equity is strong at 23.58%, reflecting effective use of equity to generate profits. The equity ratio stands at 20.38%, suggesting a balanced asset structure but highlighting the need for cautious debt management.

Cash Flow

Euronet Worldwide's cash flow analysis reveals a concerning decline in free cash flow growth by 43.75% TTM, which could impact future investments. The operating cash flow to net income ratio is relatively low at 0.19, indicating potential challenges in converting income into cash. However, the free cash flow to net income ratio remains robust at 0.84, suggesting that the company still maintains a healthy cash generation capability relative to its earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.18B	3.99B	3.69B	3.36B	3.00B	2.48B
Gross Profit	1.67B	950.30M	862.30M	806.40M	1.10B	501.86M
EBITDA	701.50M	635.00M	565.50M	521.30M	358.40M	280.25M
Net Income	304.30M	306.00M	279.70M	231.00M	70.70M	-3.40M
Balance Sheet
Total Assets	6.28B	5.83B	5.89B	5.40B	4.74B	4.93B
Cash, Cash Equivalents and Short-Term Investments	1.17B	1.92B	1.78B	1.65B	1.80B	1.83B
Total Debt	2.46B	2.08B	2.01B	1.77B	1.59B	1.61B
Total Liabilities	5.00B	4.61B	4.64B	4.16B	3.49B	3.48B
Stockholders Equity	1.28B	1.23B	1.25B	1.24B	1.26B	1.45B
Cash Flow
Free Cash Flow	334.10M	615.60M	548.70M	644.03M	314.37M	155.88M
Operating Cash Flow	462.20M	732.80M	643.10M	748.29M	406.58M	253.50M
Investing Cash Flow	-175.10M	-223.30M	-157.60M	-453.78M	-98.11M	-105.53M
Financing Cash Flow	-600.00M	-135.70M	-143.20M	-1.15M	-212.24M	35.40M

Euronet Worldwide Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 71.81
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 71.81 is below the 20-day moving average (MA) of 79.37, below the 50-day MA of 84.89, and below the 200-day MA of 97.48, indicating a bearish trend. The MACD of -4.22 indicates Positive momentum. The RSI at 21.51 is Positive, neither overbought nor oversold. The STOCH value of 8.38 is Positive, 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
PAYO	69 Neutral	$2.02B	29.68	9.79%	―	10.58%	-45.52%
SPSC	68 Neutral	$3.08B	36.58	9.51%	―	19.28%	6.16%
EEFT	66 Neutral	$3.09B	10.70	23.10%	―	7.25%	-1.12%
RELY	66 Neutral	$2.65B	133.30	2.94%	―	31.27%	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
JG	57 Neutral	$38.93M	―	-9.11%	―	18.99%	77.96%
KPLT	45 Neutral	$52.55M	-1.64	―	―	13.23%	-1.78%

Euronet Worldwide Corporate Events

Euronet Worldwide Reports Strong Q3 2025 Results

Euronet Worldwide is a global leader in payment processing and cross-border transactions, offering a wide range of financial services including money transfers, credit/debit processing, and ATM services across more than 200 countries and territories.

Euronet Worldwide Navigates Challenges with Resilience

Euronet Worldwide’s recent earnings call painted a picture of resilience amidst challenging macroeconomic conditions. The company reported strong adjusted EPS growth and highlighted strategic advancements in partnerships and technology. However, revenue growth fell short of expectations due to external pressures, particularly affecting the Money Transfer and epay segments. Despite these hurdles, Euronet remains optimistic about future prospects, viewing current challenges as temporary and focusing on long-term growth opportunities.

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.

The most recent analyst rating on (EEFT) stock is a Hold with a $110.00 price target. To see the full list of analyst forecasts on Euronet Worldwide stock, see the EEFT Stock Forecast page.

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.

The most recent analyst rating on (EEFT) stock is a Hold with a $110.00 price target. To see the full list of analyst forecasts on Euronet Worldwide stock, see the EEFT Stock Forecast page.