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Euronet Worldwide (EEFT) AI Stock Analysis
Euronet Worldwide
(NASDAQ:EEFT)
The score is driven primarily by tempered fundamentals: strong multi-year revenue growth and solid margins are weighed down by elevated leverage and a notable recent step-down in operating/free cash flow. Technicals are supportive with the stock trading above key moving averages, but overbought signals add near-term risk. Valuation is attractive on a low P/E, while the latest earnings call was mixed due to guidance revision and ongoing cross-border and segment-specific headwinds despite strong digital momentum.
Euronet Worldwide Key Performance Indicators (KPIs)
Revenue by SegmentExamines revenue contributions from each business segment, providing a clear view of which segments are driving growth and how the business is diversified.
Euronet’s mix is shifting toward digital: epay, CoreCard and Ria Digital are driving outsized, recurring growth and lifting the company’s revenue quality, while legacy cross‑border/remittance businesses are experiencing volume and profitability headwinds—money‑transfer top‑line can look stable yet hides weaker operating income on tough comps. EFT Processing strength reflects ATM/cash deployment and seasonal volume recovery, helping near‑term revenue targets, but rising non‑cash amortization and interest expense could compress margins; monitor digital revenue share and cross‑border volumes for EPS upside or downside.
The FlyEuronet Worldwide (EEFT) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.64B
- Dividend Yield
- ―
- Average Volume (3M)
- 750.43K
- Price to Earnings (P/E)
- 10.5
- Beta (1Y)
- 0.93
- Revenue Growth
- 4.95%
- EPS Growth
- ―
- Country
- US
- Employees
- 10,800
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Infrastructure
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 consumers....
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: Eu...
Euronet Worldwide Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative 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 strength (score 74) is offset by weaker balance sheet (58) and cash flow (50). Revenue growth has been consistent with solid operating margins, but TTM profitability has softened versus 2025. Leverage is elevated (debt-to-equity ~1.8), and TTM operating/free cash flow stepped down versus prior years, creating a meaningful cash-conversion risk.
Income Statement
74PositiveBalance Sheet
58NeutralCash Flow
50Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.39B | 4.24B | 3.99B | 3.69B | 3.36B | 3.00B |
| Gross Profit | 1.58B | 1.75B | 1.60B | 1.47B | 1.34B | 1.10B |
| EBITDA | 669.20M | 671.20M | 661.20M | 588.90M | 496.00M | 309.65M |
| Net Income | 280.00M | 309.50M | 306.00M | 279.70M | 231.00M | 70.70M |
Balance Sheet | ||||||
| Total Assets | 6.05B | 6.49B | 5.83B | 5.89B | 5.40B | 4.74B |
| Cash, Cash Equivalents and Short-Term Investments | 955.40M | 1.71B | 1.92B | 1.78B | 1.65B | 1.80B |
| Total Debt | 2.32B | 2.18B | 2.08B | 2.01B | 1.77B | 1.59B |
| Total Liabilities | 4.75B | 5.17B | 4.61B | 4.64B | 4.16B | 3.49B |
| Stockholders Equity | 1.28B | 1.31B | 1.23B | 1.25B | 1.24B | 1.26B |
Cash Flow | ||||||
| Free Cash Flow | 133.10M | 410.80M | 615.60M | 548.70M | 644.03M | 314.37M |
| Operating Cash Flow | 284.50M | 536.30M | 732.80M | 643.10M | 748.29M | 406.58M |
| Investing Cash Flow | -128.60M | -137.60M | -223.30M | -157.60M | -453.78M | -98.11M |
| Financing Cash Flow | -70.50M | -766.00M | -135.70M | -143.20M | -1.15M | -212.24M |
Euronet Worldwide Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EEFT, the sentiment is Positive. The current price of 70.65 is above the 20-day moving average (MA) of 64.64, above the 50-day MA of 66.49, and above the 200-day MA of 70.33, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 63.70 is Neutral, neither overbought nor oversold. The STOCH value of 88.89 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Latest Risks Added
0 New RisksEuronet Worldwide Peers Comparison
Overall Rating
RELY89Outperform
DLO74Outperform
ACIW73Outperform
PAYO71Outperform- EEFT64Neutral
IMXI49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| RELY | 89Outperform | $5.37B | 15.65 | 32.97% | ― | 23.79% | 1992.92% |
| DLO | 74Outperform | $3.72B | 20.14 | 37.65% | 1.41% | 57.03% | 38.31% |
| ACIW | 73Outperform | $5.90B | 26.90 | 15.06% | ― | 7.03% | -8.05% |
| PAYO | 71Outperform | $2.43B | 50.71 | 7.27% | ― | 6.31% | -48.91% |
| EEFT | 64Neutral | $2.48B | 10.53 | 22.18% | ― | 4.95% | ― |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| IMXI | 49Neutral | $255.29M | 13.25 | 11.58% | ― | -13.27% | -62.21% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| EEFT | Euronet Worldwide | 70.65 | -1.52 | -2.11% | |
| ACIW | ACI Worldwide, Inc. | 59.19 | 8.56 | 16.91% | |
| IMXI | International Money Express | 8.31 | -6.70 | -44.64% | |
| PAYO | Payoneer Inc. | 7.16 | 1.89 | 35.86% | |
| DLO | Dlocal Limited | 13.90 | 0.53 | 3.93% | |
| RELY | Remitly Global, Inc. | 27.08 | 14.77 | 119.98% |
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.
Date of analysis: Nov 05, 2026