Euronet Worldwide, Inc. (EEFT)
UndervaluedFundamental
81
Price
$63.50
Market Cap
$2.39B
Part 1 · What the company is worth
Overview
Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers internationally. The company operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS dynamic currency conversion, domestic and international surcharge, foreign currency dispensing, advertising, digital content sales at ATMs, customer relationship management, prepaid mobile top-up, bill payment, money transfer, fraud management, foreign remittance payout, cardless payout, banknote recycling solutions, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services. The Money Transfer segment offers consumer-to-consumer money transfer services through a network of locations and its website riamoneytransfer.com; account-to-account money transfer; and money transfer services through its website xe.com, Xe app, and customer service representatives. It also provides foreign currency exchange information on its currency data websites xe.com and x-rates.com; cash management solutions and foreign currency risk management services to small-and-medium-sized businesses; and payment processing services to third-party partners. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. The company was founded in 1994 and is headquartered in Leawood, Kansas.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on September 18, 2026 with claude-haiku-4-5 — shared with all users
Remitly targets the same migrant customers with app-based remittances, taking digital share in the corridors where Ria and Xe operate.
Euronet's 10-K names Western Union as the leading competitor of its Ria money transfer business, fighting for the same migrant remittance senders at retail agent counters and in digital apps worldwide.
MoneyGram runs a comparable global agent network for cash-to-cash remittances and competes with Ria in the same sending corridors and payout markets.
Through its Allpoint network, NCR Atleos is the other large independent ATM deployer and ATM-as-a-Service outsourcer, competing with Euronet's EFT Processing segment for the same banks, retailers and cardholder traffic.
InComm distributes gift cards, mobile top-up and digital content through retail racks and online channels, competing with Euronet's epay segment for the same brand partners and retail shelf space.
Blackhawk operates a rival multi-merchant prepaid and gift card distribution network, bidding for the same retailers and content brands that epay serves.
Balance Sheet & Liquidity
Revenue
$4.37B
Trailing 12 months (through 6/30/2026)
Net Income
$288M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$434M
Total Equity
$1.31B
Total Liabilities
$5.17B
Current Ratio
1.37
Interest Coverage
7.05
Debt/EBITDA
4.24
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$119.01
Current Price
$63.50
Margin of Safety
+46.6%
Fair Value Range
$77.36 - $160.66
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
10.04
ROE
23.7%
P/B Ratio
1.91
P/FCF
8.75
Gross Margin
-
ROIC
12.0%
Profitability Radar
Value Creation (Economic Moat)
ROIC
12.0%
WACC
5.7%
ROIC − WACC
+6.3 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (18)
- EPS shows upward trend
- ROIC 12.0%
- P/FCF 8.75
- P/B Ratio 1.91
- Debt/Equity ratio
- Operating Margin 11.5%
- Positive Free Cash Flow
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 23.0%
- Revenue Growth 5Y 11.3%
- Analyst Consensus 75% Buy
- Earnings Quality (OCF/NI) 1.39
- Share Dilution -4.6%
Failed (6)
- Price CAGR -1.13%
- CapEx intensity
- Low reliance on intangibles
- Earnings Surprise avg -1.8%
- Net Margin Trend 6.6% vs 8.0%
- Piotroski F-Score 4/9
Unavailable (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Michael J. Brown M.Sc. | Chairman, CEO & President | 68 |
| Mr. Rick L. Weller CPA | Executive VP, Chief Accounting Officer & CFO | 67 |
| Mr. Kevin J. Caponecchi | Executive VP and CEO of epay, Software & Payments Infrastructure Asia Pacific Segment | 58 |
| Mr. Juan C. Bianchi | Executive VP & CEO of Money Transfer Segment | 54 |
| Mr. Nikos Fountas | Executive VP and CEO of Payments Infrastructure Americas, Middle East & Africa Division | 61 |
| Dr. Martin L. Bruckner | Executive VP & CTO | 49 |
| Ms. Stephanie Taylor | Director of Financial Planning & IR | - |
| Brian Kimzey | Acting General Counsel & Secretary | - |
| Mr. Tony Warren | Managing Director of Payments Software | - |
| Mr. Himanshu Pujara | Senior VP & MD of EFT Asia Pacific & Ren Payments | - |
Audit Risk
4
Board Risk
6
Compensation Risk
4
Shareholder Rights Risk
4
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-04
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-07-30
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for EEFT, sourced from Markets Gazette.
- 3/15/2026NEGATIVEPayments Stock Down 30% Draws $6 Million Bet as Company Posts $4 Billion in Revenue
Euronet Worldwide, a global payments platform provider, saw its stock plummet 30% following a substantial bet from investors. Despite posting $4 billion in revenue, the significant stock drop suggests underlying concerns or a bearish market sentiment towards the company's future performance or valuation. This dramatic price movement, coupled with a $6 million bet against the stock, indicates a high level of investor apprehension. The company's core business involves transaction processing and money transfer solutions across various international markets.
- 3/4/2026NEUTRALEuronet Stock Has Tanked 22% This Past Year, but One Fund Doubled Down With an $8 Million Buy Anyway
Despite a 22% stock decline over the past year, one fund has doubled down on Euronet Worldwide Inc. with an $8 million purchase. Euronet, a payments firm facilitating secure global transactions through an extensive ATM and POS network, has attracted significant interest from this institutional investor. The move suggests strong conviction in the stock's turnaround potential or undervaluation by the fund, despite its recent poor performance. For investors, this substantial buy could signal a turning point or a value opportunity.
via Markets Gazette