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Upturn AI Summary - About
Euronet Worldwide Inc(EEFT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EEFT
11/05/2026: EEFT (1-star) is currently NOT-A-BUY. Pass it for now.
Euronet Worldwide is a global financial technology company that operates through three primary segments: electronic payment processing, digital prepaid services, and money transfers. The company has a leading position in cross-border remittances through its Ria brand and maintains an extensive network of independent ATMs. Its main strength lies in its diversified three-pillar business model, which creates multiple revenue streams. However, the company faces significant competition from digital-first fintech apps and must navigate risks related to currency fluctuations and shifting consumer habits away from cash. Euronet may suit growth-oriented investors, though those seeking steady dividends should note the company typically reinvests capital rather than paying out to shareholders.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company's history of expanding its global transaction network supports a growth-oriented investment thesis. |
| Momentum investor | Mixed fit | Momentum depends on the prevailing trend in cross-border transaction volumes and macroeconomic stability. |
| Value investor | Mixed fit | The stock's valuation often fluctuates based on growth expectations for the digital payments segment. |
| Dividend investor | Weak fit | Euronet historically does not pay a regular dividend, prioritizing growth and buybacks. |
| Low-risk investor | Weak fit | High exposure to international markets and currency risk creates significant price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to international economic conditions and travel trends. |
| Valuation risk | Medium | Market expectations for growth in digital payments can lead to premium valuations. |
| Competition risk (digital payment competition) | High | Traditional money transfer and ATM services face increasing pressure from mobile-first fintech platforms. |
| Business quality | Medium / high | The company possesses a strong, defensible global infrastructure network. |
| Dividend income | Low / none | Investors should not expect income generation from this stock. |
| Execution risk | Medium | Success relies on the continuous integration and modernization of varied global payment technologies. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -30.43% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.64B USD | Price to earnings Ratio 11.64 | 1Y Target Price 73 |
Price to earnings Ratio 11.64 | 1Y Target Price 73 | ||
Volume (30-day avg) 910.0K shares | Beta 0.91 | 52 Weeks Range 57.48 - 83.97 | Updated Date 11/05/2026 |
52 Weeks Range 57.48 - 83.97 | Updated Date 11/05/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.07 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| EFT Processing | ATM network management and processing fees from financial institutions. | Euronet earns fees every time someone uses its ATMs or outsourcing services. |
| epay | Commissions from distributing digital content and mobile top-ups. | This segment acts as a digital middleman, earning a cut from prepaid transactions. |
| Money Transfer | Transaction fees and foreign exchange spreads from global remittances. | The company profits by facilitating the movement of money across international borders. |
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 2026-10-27 | When Before Market | Estimate 3.34 | Actual 3.19 |
Profitability
Profit Margin 6.38% | Operating Margin (TTM) 14.78% |
Management Effectiveness
Return on Assets (TTM) 4.88% | Return on Equity (TTM) 21.75% |
Valuation
Trailing PE 11.64 | Forward PE 5.69 | Enterprise Value 3.09B | Price to Sales(TTM) 0.6 |
Enterprise Value 3.09B | Price to Sales(TTM) 0.6 | ||
Enterprise Value to Revenue 0.67 | Enterprise Value to EBITDA 4.27 | Shares Outstanding 37.40M | Shares Floating 42.20M |
Shares Outstanding 37.40M | Shares Floating 42.20M | ||
Percent Insiders 7.21 | Percent Institutions 106.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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