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Upturn AI SWOT - About
Euronet Worldwide Inc (EEFT)
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Upturn Advisory Summary
07/08/2025: 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 $125.38
1 Year Target Price $125.38
| 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 07/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.61B USD | Price to earnings Ratio 15.7 | 1Y Target Price 125.38 |
Price to earnings Ratio 15.7 | 1Y Target Price 125.38 | ||
Volume (30-day avg) 10 | Beta 1.27 | 52 Weeks Range 85.24 - 114.25 | Updated Date 07/8/2025 |
52 Weeks Range 85.24 - 114.25 | Updated Date 07/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.75 |
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 2025-07-16 | When After Market | Estimate 2.66 | Actual - |
Profitability
Profit Margin 7.86% | Operating Margin (TTM) 8.71% |
Management Effectiveness
Return on Assets (TTM) 5.52% | Return on Equity (TTM) 25.03% |
Valuation
Trailing PE 15.7 | Forward PE 10.6 | Enterprise Value 4840054736 | Price to Sales(TTM) 1.14 |
Enterprise Value 4840054736 | Price to Sales(TTM) 1.14 | ||
Enterprise Value to Revenue 1.2 | Enterprise Value to EBITDA 7.24 | Shares Outstanding 43244900 | Shares Floating 40425291 |
Shares Outstanding 43244900 | Shares Floating 40425291 | ||
Percent Insiders 6.29 | Percent Institutions 96.97 |
Upturn AI SWOT
Euronet Worldwide Inc
Company Overview
History and Background
Euronet Worldwide Inc. was founded in 1994. It began with electronic payments processing and has expanded into a global financial technology solutions provider. Notable milestones include acquisitions of various payment processing companies and expanding its ATM network internationally.
Core Business Areas
- Electronic Fund Transfer (EFT) Processing: Euronet operates a large independent ATM network and provides point-of-sale (POS) card processing services.
- ePay Segment: This segment provides prepaid mobile top-up, gift cards, digital media, and other prepaid content and distribution services.
- Money Transfer Segment: Euronet provides global money transfer services through its Ria Money Transfer brand and other brands.
Leadership and Structure
The CEO is Michael J. Brown. The company has a typical corporate structure with executive leadership overseeing various business segments and functional departments.
Top Products and Market Share
Key Offerings
- ATM Services: Euronet operates a large independent ATM network globally. Competitors include banks that operate their own ATM networks and other independent ATM deployers like Cardtronics (now part of NCR Corporation). Market share data is highly fragmented globally. The company services nearly 50,000 ATMs worldwide.
- Ria Money Transfer: Ria Money Transfer provides global money transfer services. Competitors include Western Union (WU), MoneyGram (MGI), and other smaller money transfer services. Ria is one of the largest global money transfer networks.
- ePay Prepaid Solutions: ePay provides prepaid mobile top-up, gift cards, and other digital content distribution services. Competitors include InComm Payments and Blackhawk Network. ePay has a large marketshare of the prepaid solutions market.
Market Dynamics
Industry Overview
The financial technology industry is rapidly evolving with increasing digitization of payments, cross-border transactions, and prepaid services. The industry is driven by globalization, increasing mobile usage, and demand for convenient and secure payment solutions.
Positioning
Euronet is positioned as a global provider of payment and transaction processing solutions. Its competitive advantages include its global network, diversified service offerings, and technology platform.
Total Addressable Market (TAM)
The TAM for global digital payments, money transfer, and prepaid solutions is estimated to be in the trillions of dollars. Euronet is positioned to capture a significant portion of this TAM through its diverse service offerings and global reach.
Upturn SWOT Analysis
Strengths
- Global Network
- Diversified Service Offerings
- Technology Platform
- Strong Brand Recognition (Ria)
- Established Relationships with Merchants and Financial Institutions
Weaknesses
- Exposure to Currency Fluctuations
- Dependence on Regulatory Environment
- Competition from Larger Financial Institutions
- High Debt Levels
Opportunities
- Expansion into Emerging Markets
- Partnerships with Fintech Companies
- Increasing Adoption of Digital Payments
- Growth in Cross-Border Transactions
- Acquisitions of Complementary Businesses
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturns
- Cybersecurity Risks
- Technological Disruption
Competitors and Market Share
Key Competitors
- WU
- MGI
- FISV
- GPN
Competitive Landscape
Euronet competes with large financial institutions and other payment processing companies. Its advantages include its global network and diversified service offerings. Disadvantages may include less brand recognition in some markets compared to larger players like Western Union.
Major Acquisitions
Innofis
- Year: 2020
- Acquisition Price (USD millions): 45
- Strategic Rationale: Strengthened Euronet's digital acquiring capabilities and expanded its merchant solutions portfolio.
Growth Trajectory and Initiatives
Historical Growth: Euronet has historically grown through organic expansion and acquisitions. Growth rates have varied depending on market conditions and strategic initiatives.
Future Projections: Analyst estimates project continued growth for Euronet, driven by increasing digital payments and cross-border transactions. Projections vary depending on analyst firm and market conditions.
Recent Initiatives: Recent initiatives include expanding its ATM network in strategic locations, enhancing its digital payment platforms, and pursuing strategic acquisitions.
Summary
Euronet Worldwide Inc. is a solid company with a global presence in payment processing and money transfer. Its diverse service offerings and established network are strengths. The competitive landscape and economic conditions pose challenges, but its recent initiatives aim for further growth, however it is a bit weaker compared to its key competitors because it does not pay dividends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Euronet Worldwide Inc. Investor Relations
- Yahoo Finance
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change rapidly, affecting the accuracy of the analysis.
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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