Euronet Worldwide (EEFT) AI Stock Analysis

• Market Cap: $3.47B
• Dividend Yield: N/A
• Average Volume (3M): 771.94K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.91
• Revenue Growth: 8.71%
• EPS Growth: 25.75%
• Country: US
• Employees: 10,600
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 3.62
• Shares Outstanding: 39,684,105
• 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: 1.34
• Enterprise Value/Revenue: 1.12
• Enterprise Value/Gross Profit: 3.57
• Enterprise Value/Ebitda: 6.79
• 1Y Price Target: $122.17
• Price Target Upside: 37.83% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7

• Rating: 68 Neutral
• Price Target: $99.00 ▲(11.69% Upside)

Euronet Worldwide's overall stock score reflects strong financial performance and positive earnings call insights, offset by technical analysis indicating bearish momentum. The company's strategic acquisitions and digital transformation efforts are significant positives, but high leverage and recent stock price trends warrant caution.

Positive Factors

Strategic Acquisitions

The acquisition of CoreCard enhances Euronet's capabilities in digital payments, expanding its market reach and competitive edge in a growing sector.

Revenue Growth

Strong revenue growth reflects robust demand for Euronet's services, supporting long-term business expansion and market leadership.

Digital Transformation

The shift towards digital transactions positions Euronet to capitalize on the increasing demand for digital payment solutions, ensuring future growth.

Negative Factors

High Leverage

Significant leverage increases financial risk, potentially limiting Euronet's ability to invest in growth opportunities and manage economic downturns.

Impact of New Remittance Tax

The new tax could reduce remittance volumes, impacting revenue from a key segment and challenging Euronet's growth in this area.

Higher Interest Expenses

Increased interest expenses reduce profitability and cash flow, potentially affecting Euronet's ability to fund operations and strategic initiatives.

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 Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions, as well as delivers non-cash products. This segment operates a network of 42,713 ATMs and approximately 438,000 POS terminals. Its epay segment distributes and processed prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 775,000 POS terminals. The company's Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. This segment operates a network of approximately 510,000 money transfer locations. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.

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	4.14B	3.99B	3.69B	3.36B	3.00B	2.48B
Gross Profit	1.30B	3.34B	1.47B	1.34B	1.10B	906.00M
EBITDA	685.60M	661.20M	588.90M	496.04M	309.63M	280.25M
Net Income	333.80M	306.00M	279.70M	231.00M	70.70M	-3.40M
Balance Sheet
Total Assets	6.55B	5.83B	5.89B	5.40B	4.74B	4.93B
Cash, Cash Equivalents and Short-Term Investments	2.31B	1.92B	1.78B	1.65B	1.80B	1.83B
Total Debt	2.59B	2.08B	2.01B	1.77B	1.59B	1.61B
Total Liabilities	5.19B	4.61B	4.64B	4.16B	3.49B	3.48B
Stockholders Equity	1.36B	1.23B	1.25B	1.24B	1.26B	1.45B
Cash Flow
Free Cash Flow	594.00M	615.60M	548.70M	644.03M	314.37M	155.88M
Operating Cash Flow	705.20M	732.80M	643.10M	748.29M	406.58M	253.50M
Investing Cash Flow	-157.00M	-223.30M	-157.60M	-453.78M	-98.11M	-105.53M
Financing Cash Flow	-360.90M	-135.70M	-143.20M	-1.15M	-212.24M	35.40M

Euronet Worldwide Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 88.64
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EEFT, the sentiment is Neutral. The current price of 88.64 is above the 20-day moving average (MA) of 87.20, below the 50-day MA of 90.25, and below the 200-day MA of 99.08, indicating a neutral trend. The MACD of -0.72 indicates Negative momentum. The RSI at 52.05 is Neutral, neither overbought nor oversold. The STOCH value of 89.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EEFT.

Euronet Worldwide Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYO	75 Outperform	$2.15B	22.90	13.86%	―	13.02%	-2.57%
SPSC	72 Outperform	$4.20B	51.92	10.03%	―	20.51%	12.84%
RELY	69 Neutral	$3.31B	265.06	2.10%	―	35.12%	―
EEFT	68 Neutral	$3.47B	11.94	25.94%	―	8.71%	25.75%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
JG	59 Neutral	$51.03M	―	-9.11%	―	18.99%	77.96%
KPLT	46 Neutral	$51.22M	―	―	―	13.23%	-1.78%

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.