(EEFT) Euronet Worldwide - Ratings and Ratios
ATM Services, Prepaid Distribution, Money Transfer, Currency Data
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 29.4% |
| Value at Risk 5%th | 44.3% |
| Relative Tail Risk | -8.49% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.96 |
| Alpha | -44.82 |
| CAGR/Max DD | -0.15 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.564 |
| Beta | 1.072 |
| Beta Downside | 1.188 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.40% |
| Mean DD | 16.51% |
| Median DD | 15.33% |
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.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income (304.3m TTM) > 0 and > 6% of Revenue (6% = 251.0m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -5.59pp (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 0.07 (>3.0%) and CFO 462.2m > Net Income 304.3m (YES >=105%, WARN >=100%) |
| Net Debt (438.1m) to EBITDA (701.5m) ratio: 0.62 <= 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 39.87% (prev 23.46%; Δ 16.41pp) >=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 6.22 (EBITDA TTM 701.5m / Interest Expense TTM 91.4m) >= 6 (WARN >= 3) |
Altman Z'' 2.79
| (A) 0.09 = (Total Current Assets 4.24b - Total Current Liabilities 3.67b) / Total Assets 6.28b |
| (B) 0.35 = Retained Earnings (Balance) 2.19b / Total Assets 6.28b |
| (C) 0.09 = EBIT TTM 568.2m / Avg Total Assets 6.28b |
| (D) 0.42 = Book Value of Equity 2.12b / Total Liabilities 5.00b |
| Total Rating: 2.79 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.19
| 1. Piotroski 8.0pt |
| 2. FCF Yield 9.49% |
| 3. FCF Margin 7.99% |
| 4. Debt/Equity 1.95 |
| 5. Debt/Ebitda 0.62 |
| 6. ROIC - WACC (= 5.42)% |
| 7. RoE 23.65% |
| 8. Rev. Trend 80.18% |
| 9. EPS Trend 52.55% |
What is the price of EEFT shares?
Over the past week, the price has changed by +0.89%, over one month by +2.10%, over three months by -18.00% and over the past year by -27.95%.
Is EEFT a buy, sell or hold?
- 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 | 57.1% |
| Analysts Target Price | 117.4 | 57.1% |
| ValueRay Target Price | 69.6 | -6.9% |
EEFT Fundamental Data Overview November 24, 2025
P/E Trailing = 10.7193
P/E Forward = 6.6007
P/S = 0.737
P/B = 2.4409
P/EG = 0.4715
Beta = 0.859
Revenue TTM = 4.18b USD
EBIT TTM = 568.2m USD
EBITDA TTM = 701.5m USD
Long Term Debt = 1.07b USD (from longTermDebt, last quarter)
Short Term Debt = 1.29b USD (from shortTermDebt, last quarter)
Debt = 2.46b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 438.1m USD (from netDebt column, last quarter)
Enterprise Value = 3.52b USD (3.08b + Debt 2.46b - CCE 2.02b)
Interest Coverage Ratio = 6.22 (Ebit TTM 568.2m / Interest Expense TTM 91.4m)
FCF Yield = 9.49% (FCF TTM 334.1m / Enterprise Value 3.52b)
FCF Margin = 7.99% (FCF TTM 334.1m / Revenue TTM 4.18b)
Net Margin = 7.28% (Net Income TTM 304.3m / Revenue TTM 4.18b)
Gross Margin = 39.87% ((Revenue TTM 4.18b - Cost of Revenue TTM 2.52b) / Revenue TTM)
Gross Margin QoQ = 83.64% (prev 26.08%)
Tobins Q-Ratio = 0.56 (Enterprise Value 3.52b / Total Assets 6.28b)
Interest Expense / Debt = 0.92% (Interest Expense 22.5m / Debt 2.46b)
Taxrate = 30.58% (55.1m / 180.2m)
NOPAT = 394.5m (EBIT 568.2m * (1 - 30.58%))
Current Ratio = 1.15 (Total Current Assets 4.24b / Total Current Liabilities 3.67b)
Debt / Equity = 1.95 (Debt 2.46b / totalStockholderEquity, last quarter 1.26b)
Debt / EBITDA = 0.62 (Net Debt 438.1m / EBITDA 701.5m)
Debt / FCF = 1.31 (Net Debt 438.1m / FCF TTM 334.1m)
Total Stockholder Equity = 1.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.85% (Net Income 304.3m / Total Assets 6.28b)
RoE = 23.65% (Net Income TTM 304.3m / Total Stockholder Equity 1.29b)
RoCE = 24.10% (EBIT 568.2m / Capital Employed (Equity 1.29b + L.T.Debt 1.07b))
RoIC = 11.24% (NOPAT 394.5m / Invested Capital 3.51b)
WACC = 5.82% (E(3.08b)/V(5.54b) * Re(9.96%) + D(2.46b)/V(5.54b) * Rd(0.92%) * (1-Tc(0.31)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.44%
[DCF Debug] Terminal Value 72.87% ; FCFE base≈475.1m ; Y1≈511.6m ; Y5≈629.5m
Fair Price DCF = 189.1 (DCF Value 7.95b / Shares Outstanding 42.0m; 5y FCF grow 8.66% → 3.0% )
EPS Correlation: 52.55 | EPS CAGR: 35.77% | SUE: 0.09 | # QB: 0
Revenue Correlation: 80.18 | Revenue CAGR: 9.63% | SUE: -3.64 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.45 | Chg30d=+0.111 | Revisions Net=-2 | Analysts=7
EPS next Year (2026-12-31): EPS=11.13 | Chg30d=-0.091 | Revisions Net=-2 | Growth EPS=+13.9% | Growth Revenue=+7.3%
Additional Sources for EEFT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle