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Upturn AI SWOT - About
EEFT 
Euronet Worldwide Inc (EEFT)
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Upturn Advisory Summary
09/16/2025: EEFT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $127.71
1 Year Target Price $127.71
| 6 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33.19% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.60B USD | Price to earnings Ratio 12.53 | 1Y Target Price 127.71 |
Price to earnings Ratio 12.53 | 1Y Target Price 127.71 | ||
Volume (30-day avg) 10 | Beta 1.25 | 52 Weeks Range 85.24 - 114.25 | Updated Date 09/15/2025 |
52 Weeks Range 85.24 - 114.25 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.04% | Operating Margin (TTM) 15.18% |
Management Effectiveness
Return on Assets (TTM) 5.34% | Return on Equity (TTM) 25.84% |
Valuation
Trailing PE 12.53 | Forward PE 8.16 | Enterprise Value 3927969277 | Price to Sales(TTM) 0.87 |
Enterprise Value 3927969277 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 0.95 | Enterprise Value to EBITDA 5.73 | Shares Outstanding 39654000 | Shares Floating 38080931 |
Shares Outstanding 39654000 | Shares Floating 38080931 | ||
Percent Insiders 6.68 | Percent Institutions 102.19 |
Upturn AI SWOT
Euronet Worldwide Inc
Company Overview
History and Background
Euronet Worldwide Inc. was founded in 1994. Initially focused on providing ATM and POS solutions in Central and Eastern Europe, it has expanded globally through organic growth and acquisitions, evolving into a leading provider of electronic payment and transaction processing solutions.
Core Business Areas
- EFT Processing Segment: Provides electronic payment processing, network solutions, and outsourcing services for financial institutions, retailers, service providers, and individual consumers.
- epay Segment: Offers prepaid products, mobile top-up, gift cards, and other digital content through a network of retailers and service providers.
- Money Transfer Segment: Provides money transfer services through the Ria Money Transfer network and other brands.
Leadership and Structure
Michael J. Brown is the Chairman and CEO. The company has a typical corporate structure with executive management overseeing various departments and business segments.
Top Products and Market Share
Key Offerings
- ATM Network: Euronet operates a large ATM network across Europe and other regions. Market share data is difficult to pinpoint exactly due to regional variations and competition from bank-owned ATMs, however, Euronet is a significant player, revenue is included in the EFT Processing segment. Competitors include Brink's (BCO), Diebold Nixdorf (DBD), and bank-owned ATM networks.
- Ria Money Transfer: A global money transfer service. Ria is a leading brand in the remittance market. Competitors include Western Union (WU), MoneyGram (MGI), and Xoom (PYPL).
- epay Prepaid Solutions: Offers prepaid mobile top-up, gift cards, and other digital content. Competitors include InComm Payments and Blackhawk Network (owned by Silver Lake).
Market Dynamics
Industry Overview
The electronic payments industry is experiencing strong growth, driven by increasing adoption of digital payment methods, e-commerce expansion, and globalization. The money transfer market is also growing due to increasing migration and remittance flows.
Positioning
Euronet is positioned as a global provider of diverse electronic payment solutions, leveraging its extensive network and technology infrastructure. Its competitive advantages include its geographical reach, diverse product portfolio, and technology expertise.
Total Addressable Market (TAM)
The TAM for global digital payments is estimated to be trillions of dollars. Euronet's positioning allows it to capture a portion of this TAM across various segments including money transfer, prepaid solutions, and EFT processing.
Upturn SWOT Analysis
Strengths
- Global presence
- Diversified revenue streams
- Strong technology platform
- Established relationships with financial institutions and retailers
Weaknesses
- Exposure to currency exchange rate fluctuations
- Dependence on key partnerships
- Intense competition
- Regulatory compliance complexities
Opportunities
- Expansion into new geographic markets
- Development of innovative payment solutions
- Strategic acquisitions
- Increased adoption of mobile payments
Threats
- Economic downturns
- Increased competition from fintech companies
- Cybersecurity threats
- Changes in regulations
Competitors and Market Share
Key Competitors
- WU
- MGI
- GPN
- FISV
- ADYEY
Competitive Landscape
Euronet competes with established players and emerging fintech companies. Its diverse product portfolio and global reach provide a competitive advantage, but it faces challenges from competitors with greater brand recognition or specialized expertise.
Major Acquisitions
Inno-vative Capital
- Year: 2020
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expanded Euronetu2019s product offerings and capabilities in the prepaid card and payment processing sector.
Growth Trajectory and Initiatives
Historical Growth: Euronet has experienced significant growth through acquisitions and organic expansion.
Future Projections: Consult analyst reports for detailed projections on Euronet's future growth.
Recent Initiatives: Recent initiatives include expanding its ATM network, enhancing its money transfer services, and developing new digital payment solutions.
Summary
Euronet Worldwide Inc. is a solid company with a diverse portfolio of payment processing and money transfer services. Its global presence is a strength, but it faces stiff competition in the fintech space. Regulatory changes and cybersecurity remain key concerns that it needs to manage effectively, but its diversification helps it compete.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Euronet Worldwide Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and other figures are estimates based on available information and may not be precise. Always conduct thorough research and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Euronet Worldwide Inc
Exchange NASDAQ | Headquaters Leawood, KS, United States | ||
IPO Launch date 1997-03-06 | Chairman, CEO & President Mr. Michael J. Brown M.Sc. | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 10600 | Website https://www.euronetworldwide.com |
Full time employees 10600 | Website https://www.euronetworldwide.com | ||
Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers worldwide. It operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine (ATM) 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. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.
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