Overview Dividends

(EEFT) Euronet Worldwide - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US2987361092

ATM Services, Prepaid Distribution, Money Transfer, Currency Data

EEFT EPS (Earnings per Share)

EPS Growth (3Y CAGR): 41.63%
EPS Trend (3Y Correlation): 49.3%

EEFT Revenue

Revenue Growth (3Y CAGR): 10.73%
Revenue Trend (3Y Correlation): 72.9%

Description: EEFT Euronet Worldwide November 07, 2025

Euronet Worldwide Inc. (NASDAQ: EEFT) operates a global payments-processing platform that serves financial institutions, retailers, service providers, and consumers. Its business is organized into three segments: Electronic Funds Transfer (EFT) – which includes ATM cash-withdrawal and deposit services, outsourced ATM/POS management, card issuing and acquiring, dynamic currency conversion, and related value-added services; epay – which distributes and processes prepaid mobile airtime, electronic content, and other prepaid products; and Money Transfer – which provides consumer-to-consumer and account-to-account remittance services through both physical locations and digital channels such as xe.com and the Xe app.

As of FY 2023, Euronet reported revenue of roughly **$2.1 billion** and an adjusted EBITDA margin of **≈ 22 %**, reflecting the high-margin nature of its outsourced processing and network services. The company operates **over 1.2 million ATMs** across more than 170 countries, and its epay segment processed **≈ 1.5 billion prepaid transactions** in the last twelve months, indicating strong scale in both physical and digital distribution channels.

Key macro drivers for EEFT include the continued shift toward cashless and digital payments, which fuels demand for ATM-network outsourcing and card-issuing services, and the growth of cross-border remittance volumes, especially in emerging markets where Euronet’s Money Transfer network has a competitive edge. Conversely, regulatory scrutiny on surcharge fees and the rise of fintech rivals that offer white-label solutions pose upside risk to margins.

For a deeper quantitative assessment, you may find ValueRay’s analytics useful for modeling EEFT’s cash-flow sensitivity to ATM volume trends and foreign-exchange transaction growth.

EEFT Stock Overview

Market Cap in USD	3,078m
Sub-Industry	Data Processing & Outsourced Services
IPO / Inception	1997-03-06

EEFT Stock Ratings

Growth Rating	-50.9%
Fundamental	80.7%
Dividend Rating	-
Return 12m vs S&P 500	-38.6%
Analyst Rating	4.30 of 5

EEFT Dividends

Currently no dividends paid

EEFT Growth Ratios

Growth Correlation 3m	-95.4%
Growth Correlation 12m	-53.8%
Growth Correlation 5y	-65%
CAGR 5y	-6.64%
CAGR/Max DD 3y (Calmar Ratio)	-0.16
CAGR/Mean DD 3y (Pain Ratio)	-0.43
Sharpe Ratio 12m	-0.68
Alpha	-50.00
Beta	1.204
Volatility	26.94%
Current Volume	999.7k
Average Volume 20d	965.1k
Stop Loss	69.6 (-3.6%)
Signal	-0.37

Piotroski VR‑10 (Strict, 0-10) 8.5

Net Income (304.3m TTM) > 0 and > 6% of Revenue (6% = 251.0m TTM)

FCFTA 0.09 (>2.0%) and ΔFCFTA 1.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 13.58% (prev 23.45%; Δ -9.87pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.11 (>3.0%) and CFO 705.2m > Net Income 304.3m (YES >=105%, WARN >=100%)

Net Debt (216.0m) to EBITDA (657.6m) ratio: 0.33 <= 3.0 (WARN <= 3.5)

Current Ratio 1.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (44.8m) change vs 12m ago -5.77% (target <= -2.0% for YES)

Gross Margin 46.99% (prev 20.90%; Δ 26.10pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 66.58% (prev 62.02%; Δ 4.57pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 5.74 (EBITDA TTM 657.6m / Interest Expense TTM 91.4m) >= 6 (WARN >= 3)

Altman Z'' 2.50

(A) 0.09 = (Total Current Assets 4.24b - Total Current Liabilities 3.67b) / Total Assets 6.28b

(B) 0.31 = Retained Earnings (Balance) 1.93b / Total Assets 6.28b

(D) 0.32 = Book Value of Equity 1.61b / Total Liabilities 5.00b

Total Rating: 2.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 80.68

1. Piotroski 8.50pt = 3.50

2. FCF Yield 13.61% = 5.0

3. FCF Margin 14.20% = 3.55

4. Debt/Equity 1.92 = 0.89

5. Debt/Ebitda 0.33 = 2.42

6. ROIC - WACC (= 4.34)% = 5.43

7. RoE 23.58% = 1.97

8. Rev. Trend 72.93% = 5.47

9. EPS Trend 49.34% = 2.47

What is the price of EEFT shares?

As of November 08, 2025, the stock is trading at USD 72.17 with a total of 999,674 shares traded.
Over the past week, the price has changed by -4.41%, over one month by -17.93%, over three months by -21.90% and over the past year by -29.56%.

Is Euronet Worldwide a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Euronet Worldwide (NASDAQ:EEFT) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 80.68 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EEFT is around 61.78 USD . This means that EEFT is currently overvalued and has a potential downside of -14.4%.

Is EEFT a buy, sell or hold?

Euronet Worldwide has received a consensus analysts rating of 4.30. Therefore, it is recommended to buy EEFT.

Strong Buy: 6
Buy: 1
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the EEFT price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	117.4	62.7%
Analysts Target Price	117.4	62.7%
ValueRay Target Price	67.4	-6.6%

EEFT Fundamental Data Overview October 31, 2025

Market Cap USD = 3.08b (3.08b USD * 1.0 USD.USD)
P/E Trailing = 10.6993
P/E Forward = 7.9051
P/S = 0.7359
P/B = 2.5853
P/EG = 0.5646
Beta = 1.204
Revenue TTM = 4.18b USD
EBIT TTM = 524.3m USD
EBITDA TTM = 657.6m USD
Long Term Debt = 1.13b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.29b USD (from shortTermDebt, last quarter)
Debt = 2.46b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 216.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.37b USD (3.08b + Debt 2.46b - CCE 1.17b)
Interest Coverage Ratio = 5.74 (Ebit TTM 524.3m / Interest Expense TTM 91.4m)
FCF Yield = 13.61% (FCF TTM 594.0m / Enterprise Value 4.37b)
FCF Margin = 14.20% (FCF TTM 594.0m / Revenue TTM 4.18b)
Net Margin = 7.28% (Net Income TTM 304.3m / Revenue TTM 4.18b)
Gross Margin = 46.99% ((Revenue TTM 4.18b - Cost of Revenue TTM 2.22b) / Revenue TTM)
Gross Margin QoQ = 83.64% (prev 22.94%)
Tobins Q-Ratio = 0.70 (Enterprise Value 4.37b / Total Assets 6.28b)
Interest Expense / Debt = 0.91% (Interest Expense 22.5m / Debt 2.46b)
Taxrate = 30.58% (55.1m / 180.2m)
NOPAT = 364.0m (EBIT 524.3m * (1 - 30.58%))
Current Ratio = 1.15 (Total Current Assets 4.24b / Total Current Liabilities 3.67b)
Debt / Equity = 1.92 (Debt 2.46b / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = 0.33 (Net Debt 216.0m / EBITDA 657.6m)
Debt / FCF = 0.36 (Net Debt 216.0m / FCF TTM 594.0m)
Total Stockholder Equity = 1.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.85% (Net Income 304.3m / Total Assets 6.28b)
RoE = 23.58% (Net Income TTM 304.3m / Total Stockholder Equity 1.29b)
RoCE = 21.62% (EBIT 524.3m / Capital Employed (Equity 1.29b + L.T.Debt 1.13b))
RoIC = 10.43% (NOPAT 364.0m / Invested Capital 3.49b)
WACC = 6.09% (E(3.08b)/V(5.54b) * Re(10.45%) + D(2.46b)/V(5.54b) * Rd(0.91%) * (1-Tc(0.31)))
Discount Rate = 10.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.44%
[DCF Debug] Terminal Value 71.99% ; FCFE base≈562.8m ; Y1≈630.6m ; Y5≈839.8m
Fair Price DCF = 247.2 (DCF Value 9.81b / Shares Outstanding 39.7m; 5y FCF grow 13.94% → 3.0% )
EPS Correlation: 49.34 | EPS CAGR: 41.63% | SUE: 0.09 | # QB: 0
Revenue Correlation: 72.93 | Revenue CAGR: 10.73% | SUE: -3.64 | # QB: 0

Additional Sources for EEFT Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle