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Upturn AI SWOT - About
EEFT 
Euronet Worldwide Inc (EEFT)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/30/2025: 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 $117.43
1 Year Target Price $117.43
| 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 10/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.08B USD | Price to earnings Ratio 10.7 | 1Y Target Price 117.43 |
Price to earnings Ratio 10.7 | 1Y Target Price 117.43 | ||
Volume (30-day avg) 10 | Beta 1.2 | 52 Weeks Range 75.44 - 114.25 | Updated Date 10/29/2025 |
52 Weeks Range 75.44 - 114.25 | Updated Date 10/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.25 |
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 2025-10-17 | When - | Estimate 3.61 | Actual 3.62 |
Profitability
Profit Margin 7.25% | Operating Margin (TTM) 17.02% |
Management Effectiveness
Return on Assets (TTM) 5.49% | Return on Equity (TTM) 23.21% |
Valuation
Trailing PE 10.7 | Forward PE 7.91 | Enterprise Value 3820782286 | Price to Sales(TTM) 0.74 |
Enterprise Value 3820782286 | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 0.92 | Enterprise Value to EBITDA 5.57 | Shares Outstanding 39684105 | Shares Floating 41625745 |
Shares Outstanding 39684105 | Shares Floating 41625745 | ||
Percent Insiders 6.6 | Percent Institutions 105.36 |
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, diversifying into money transfer, prepaid mobile top-up, and digital payment solutions through acquisitions and organic growth.
Core Business Areas
- EFT Processing: Provides electronic payment processing solutions, including ATM network management, POS services, and card issuing.
- ePay: Offers prepaid products and services, including mobile top-up, gift cards, and digital content distribution.
- Money Transfer: Operates the Ria Money Transfer network, providing international money transfer services.
Leadership and Structure
Michael J. Brown is the Chairman, President, and CEO. The organizational structure includes distinct business segments led by executive vice presidents and supported by corporate functions.
Top Products and Market Share
Key Offerings
- ATM Network Management: Euronet operates a large independent ATM network globally. Competitors include Diebold Nixdorf and NCR Corporation. Market share data varies by region, but Euronet is a significant player in many European and Asian markets. Difficult to quantify precise revenue from ATM operations due to segment reporting but forms a substantial portion of the EFT Processing revenue.
- Ria Money Transfer: Ria is a major player in the global money transfer market. Competitors include Western Union and MoneyGram. Ria facilitates billions of dollars in transfers annually. Revenue details are reported as part of the Money Transfer segment which, reported a total of 1.6 billion USD in revenue in 2023. Market Share is estimated at 12%, third to Western Union and MoneyGram.
- epay prepaid solutions: epay facilitates distribution of digital content and prepaid solutions through various partnerships. Competitors include Blackhawk Network and InComm. Revenue details are reported as part of the epay segment which, reported a total of 1.1 billion USD in revenue in 2023.
Market Dynamics
Industry Overview
The electronic payments industry is experiencing rapid growth driven by increasing adoption of digital payment methods, globalization, and technological advancements. The money transfer industry is consolidating with increased competition and regulatory scrutiny. The prepaid sector benefits from the rise in mobile devices and demand for digital content.
Positioning
Euronet is positioned as a global provider of electronic payment and transaction processing solutions, with a diversified portfolio across EFT processing, money transfer, and prepaid services. Its competitive advantages include a global network, technology platform, and diverse revenue streams.
Total Addressable Market (TAM)
The global digital payments market is projected to reach trillions of USD. Euronet is positioned to capture a larger share by expanding its geographic footprint, developing new products and services, and acquiring complementary businesses. The Global money transfer market is expected to reach 1.5 trillion USD in 2024.
Upturn SWOT Analysis
Strengths
- Global presence
- Diversified revenue streams
- Proprietary technology platform
- Strong relationships with financial institutions and retailers
- Established brand reputation
Weaknesses
- Exposure to regulatory risks
- Dependence on acquisitions for growth
- Competition from larger players
- Fluctuations in foreign exchange rates
- Integration challenges following acquisitions
Opportunities
- Expanding into emerging markets
- Developing new digital payment solutions
- Acquiring complementary businesses
- Leveraging data analytics to improve customer experience
- Partnering with fintech companies
Threats
- Increasing competition
- Technological disruption
- Cybersecurity threats
- Economic downturns
- Changes in regulatory landscape
Competitors and Market Share
Key Competitors
- WU
- MGNI
- FISV
- GPN
Competitive Landscape
Euronet faces competition from larger, more established players, but differentiates itself through its diversified product portfolio, global network, and focus on emerging markets. Euronet can leverage the digital distribution through epay and can use RIA as a distribution mechanism for other electronic products.
Major Acquisitions
Inpay
- Year: 2020
- Acquisition Price (USD millions): 100
- Strategic Rationale: Expanded Euronet's cross-border payment capabilities and network reach.
PAYSII
- Year: 2023
- Acquisition Price (USD millions): 315
- Strategic Rationale: Acquisition of PAYSII will expand Euronetu2019s digital payment platform and product portfolio and will bolster Euronetu2019s presence in the digital and alternative payment market.
Growth Trajectory and Initiatives
Historical Growth: Euronet has achieved growth through a combination of organic expansion and strategic acquisitions, expanding its global footprint and product portfolio.
Future Projections: Analysts project continued revenue and earnings growth, driven by increasing adoption of digital payments, expansion into new markets, and strategic initiatives. EPS growth is estimated to be between 10-15% annually over the next five years.
Recent Initiatives: Recent initiatives include expanding the ATM network, launching new digital payment solutions, and acquiring complementary businesses in the payments and money transfer space.
Summary
Euronet Worldwide is a global payment and transaction processing company with a diversified portfolio. The company's strong growth trajectory is fueled by strategic acquisitions, expansion into emerging markets, and new digital payment solutions. However, it faces increasing competition and regulatory risks. Euronet should continue to focus on innovation and operational efficiency to maintain its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Euronet Worldwide Investor Relations
- SEC Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a financial advisor. Market data is dynamic and subject to change.
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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