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Euronet Worldwide
(NASDAQ:EEFT)
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Rating:64Neutral
Price Target:
$68.00
▼(-4.51% Downside)
Action:Reiterated
Date:10/27/26
EEFT scores 64, driven primarily by solid underlying business performance but constrained by weakening cash flow and higher leverage. Valuation is a key positive (low 8.82 P/E), while the technical setup is the main drag (below key moving averages and negative MACD). The latest earnings call adds a mixed near-term view: continued digital strength and EPS growth guidance, but persistent cross-border headwinds and a Q4 epay product headwind.
Positive Factors
Multi-year revenue growth
Revenue has expanded materially over several years, showing that Euronet’s transaction-based model continues to capture volume and customer demand. A larger revenue base across payments, prepaid products, and transfers can support operating scale and provide a durable platform for future growth.
Negative Factors
Higher leverage
Rising debt alongside broadly lower equity increases Euronet’s financial leverage and reduces flexibility if operating results weaken. Greater obligations can constrain investment, acquisitions, and capital returns, while making cash-flow execution more important over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
Revenue has expanded materially over several years, showing that Euronet’s transaction-based model continues to capture volume and customer demand. A larger revenue base across payments, prepaid products, and transfers can support operating scale and provide a durable platform for future growth.
Read all positive factors
Euronet Worldwide Key Performance Indicators (KPIs)
Any
Revenue by Segment
Examines revenue contributions from each business segment, providing a clear view of which segments are driving growth and how the business is diversified.
Examines revenue contributions from each business segment, providing a clear view of which segments are driving growth and how the business is diversified.
Data provided by:
The Fly
The FlyEuronet Worldwide (EEFT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.39B
Dividend YieldN/A
Average Volume (3M)709.28K
Price to Earnings (P/E)8.8
Beta (1Y)0.91
Revenue Growth5.76%
EPS Growth-3.78%
CountryUS
Employees10,800
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)7.25
Shares Outstanding37,403,595
10 Day Avg. Volume838,114
30 Day Avg. Volume709,283
Financial Highlights & Ratios
PEG Ratio0.63
Price to Book (P/B)2.29
Price to Sales (P/S)0.71
P/FCF Ratio7.29
Enterprise Value/Market Cap1.66
Enterprise Value/Revenue0.91
Enterprise Value/Gross Profit2.20
Enterprise Value/Ebitda5.80
Forecast
1Y Price Target
$81.33Price Target Upside14.22% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)10.69
Revenue Forecast (FY)$4.47B
Euronet Worldwide Business Overview & Revenue Model
Company Description
Euronet Worldwide, Inc. delivers a comprehensive suite of payment and transaction processing and distribution services globally. Their clientele spans financial institutions, agents, retailers, merchants, content providers, and individual consumer...
How the Company Makes Money
Euronet makes money primarily by charging fees tied to transaction volume and by earning product margins in its prepaid distribution business.
1) EFT Processing segment (ATM, switching, and related services):
- ATM transaction fees and surcharges...
Euronet Worldwide Earnings Call Summary
Earnings Call Date:Oct 27, 2026
(Q3-2026)
| Next Earnings Date:Feb 10, 2027
Earnings Call Sentiment Neutral
The call conveyed a mixed outlook. Euronet highlighted strong digital growth, expanding payment capabilities, new partnerships, a solid balance sheet and continued capital returns. However, these positives were accompanied by substantial cross-border revenue and profitability declines, a revised 2026 outlook, persistent US immigration-related pressure, macroeconomic uncertainty and a near-term Epay headwind. Management expressed confidence in the long-term strategy while remaining cautious about the near-term environment.Positive Updates
Strong Digital Accelerator Growth
Digital accelerator revenue grew 30% in the third quarter and 33% year-to-date. Growth was broad-based across Ria Digital, Dandelion, merchant services, payment processing, and CoreCard.
Negative Updates
Challenging Operating Environment and Guidance Revision
Management said 2026 has been more challenging than anticipated, with significant pressure in cross-border payments driven primarily by US immigration policy changes and broader macroeconomic uncertainty affecting all three segments. These headwinds were more persistent than expected and led the company to revise its full-year guidance.
Read all updates
Q3-2026 Updates
Positive
Negative
Strong Digital Accelerator Growth
Digital accelerator revenue grew 30% in the third quarter and 33% year-to-date. Growth was broad-based across Ria Digital, Dandelion, merchant services, payment processing, and CoreCard.
Read all positive updates
Company Guidance
For 2026, Euronet now expects approximately $4.375 billion of revenue, $725 million of adjusted EBITDA, and adjusted EPS growth of approximately 10%, while continuing to expect full year revenue and earnings growth and strong free cash flow generation; for the fourth quarter, it expects some subtle improvement, consistent with what was seen in third quarter over second quarter, and is not expecting to see deterioration. Management said the 10% to 15% framework is not out of the question but would be on the lower end of that range, and described a possible IAD improvement as maybe a 2% improvement. Steam’s decision to discontinue physical gift card sales is expected to be a headwind for epay’s fourth quarter numbers, while Grand Theft Auto 6 is expected in mid November and Take 2 has estimated it will be the primary driver of their $1 billion to $1.5 billion revenue growth during 2027, although Euronet is not forecasting revenue growth based on this 1 title and expects other gaming products to gradually offset the gap from Steam.Euronet Worldwide Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.37B | 4.24B | 3.99B | 3.69B | 3.36B | 3.00B |
| Gross Profit | 1.81B | 1.75B | 1.60B | 1.47B | 1.34B | 1.10B |
| EBITDA | 686.00M | 671.20M | 661.20M | 588.90M | 496.00M | 309.65M |
| Net Income | 288.40M | 309.50M | 306.00M | 279.70M | 231.00M | 70.70M |
Balance Sheet | ||||||
| Total Assets | 6.49B | 6.49B | 5.83B | 5.89B | 5.40B | 4.74B |
| Cash, Cash Equivalents and Short-Term Investments | 1.20B | 1.71B | 1.92B | 1.78B | 1.65B | 1.80B |
| Total Debt | 2.81B | 2.18B | 2.08B | 2.01B | 1.77B | 1.59B |
| Total Liabilities | 5.25B | 5.17B | 4.61B | 4.64B | 4.16B | 3.49B |
| Stockholders Equity | 1.23B | 1.31B | 1.23B | 1.25B | 1.24B | 1.26B |
Cash Flow | ||||||
| Free Cash Flow | 94.90M | 410.80M | 615.60M | 548.70M | 644.03M | 314.37M |
| Operating Cash Flow | 255.70M | 536.30M | 732.80M | 643.10M | 748.29M | 406.58M |
| Investing Cash Flow | -154.10M | -137.60M | -223.30M | -157.60M | -453.78M | -98.11M |
| Financing Cash Flow | 93.80M | -766.00M | -135.70M | -143.20M | -1.15M | -212.24M |
Euronet Worldwide Technical Analysis
Negative
71.21
Price Trends
67.30
Negative
70.30
Negative
70.68
Negative
Market Momentum
-0.49
Negative
43.10
Neutral
59.60
Neutral
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 71.21 is above the 20-day moving average (MA) of 64.40, above the 50-day MA of 67.30, and above the 200-day MA of 70.68, indicating a bearish trend. The MACD of -0.49 indicates Negative momentum. The RSI at 43.10 is Neutral, neither overbought nor oversold. The STOCH value of 59.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EEFT.
Euronet Worldwide Risk Analysis
Euronet Worldwide disclosed 1 risk factors in its most recent earnings report. Euronet Worldwide reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Euronet Worldwide Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $5.20B | 16.91 | 32.97% | ― | 23.79% | 1992.92% | |
76 Outperform | $4.07B | 20.93 | 37.65% | 1.36% | 57.03% | 38.31% | |
71 Outperform | $2.42B | 50.64 | 7.27% | ― | 6.31% | -48.91% | |
70 Outperform | $5.62B | 25.31 | 15.06% | ― | 7.03% | -8.05% | |
64 Neutral | $2.39B | 8.82 | 23.02% | ― | 5.76% | -3.78% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
60 Neutral | $276.74M | 14.61 | 11.58% | ― | -13.27% | -62.21% |
* Technology Sector Average
EEFT
Euronet Worldwide
63.95
-15.43
-19.44%
ACIW
ACI Worldwide
55.68
5.93
11.92%
IMXI
International Money Express
9.16
-5.70
-38.36%
PAYO
Payoneer
7.15
1.03
16.83%
DLO
DLocal
14.44
-0.81
-5.33%
RELY
Remitly Global
24.57
7.93
47.66%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.