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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
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.85B USD | Price to earnings Ratio 12.97 | 1Y Target Price 127.71 |
Price to earnings Ratio 12.97 | 1Y Target Price 127.71 | ||
Volume (30-day avg) 10 | Beta 1.25 | 52 Weeks Range 85.24 - 114.25 | Updated Date 08/28/2025 |
52 Weeks Range 85.24 - 114.25 | Updated Date 08/28/2025 | ||
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 - | 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 12.97 | Forward PE 9.4 | Enterprise Value 4180249847 | Price to Sales(TTM) 0.93 |
Enterprise Value 4180249847 | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 1.01 | Enterprise Value to EBITDA 6.1 | Shares Outstanding 40996200 | Shares Floating 38176452 |
Shares Outstanding 40996200 | Shares Floating 38176452 | ||
Percent Insiders 6.64 | 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 processing prepaid phone cards, it expanded into electronic payments, ATM networks, and money transfer services. It has grown through acquisitions and organic expansion globally.
Core Business Areas
- Electronic Funds Transfer (EFT) Processing: Operates a network of ATMs and point-of-sale (POS) terminals. Provides transaction processing services for financial institutions and retailers.
- ePay: Offers prepaid mobile top-up, gift cards, and other prepaid products and services.
- Money Transfer: Provides money transfer services primarily through its Ria Money Transfer brand. Competes with Western Union and MoneyGram.
Leadership and Structure
Michael J. Brown is the Chairman, President, and CEO. The company has a typical corporate structure with various executive vice presidents overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- ATM Network: Euronet operates a large ATM network globally. Market share varies by region. Competitors include NCR, Diebold Nixdorf, and other independent ATM operators. Revenue is derived from transaction fees. Competitors are Genmega, Hyosung TNS.
- Ria Money Transfer: A global money transfer service. Competes with Western Union (WU), MoneyGram (MGI), and Remitly. Revenue is generated from transaction fees and exchange rate spreads. Market share varies by geography, but it is a significant player in the remittance market. Some Fintech competitors are Wise and Xoom(PAYPAL)
- ePay Products: Prepaid mobile top-up, gift cards, and other prepaid products distributed through retail networks. Market share is fragmented and depends on specific product categories and geographic regions.Competitors include InComm, Blackhawk Network, and numerous smaller players.
Market Dynamics
Industry Overview
The electronic payments industry is growing due to increasing adoption of digital payment methods, globalization, and the need for secure and efficient transaction processing. The money transfer market is driven by global migration and the need for cross-border payments.
Positioning
Euronet is positioned as a global provider of electronic payment solutions with a strong presence in emerging markets. It differentiates itself through its diverse range of services and its extensive network of ATMs and retail partners.
Total Addressable Market (TAM)
The global digital payments market is expected to reach trillions of dollars. Euronet's TAM encompasses EFT processing, money transfer, and prepaid services. Euronet is positioned to capture a significant portion of this market, particularly in emerging economies.
Upturn SWOT Analysis
Strengths
- Global presence and extensive network
- Diversified product portfolio
- Strong presence in emerging markets
- Established relationships with financial institutions and retailers
Weaknesses
- Exposure to currency fluctuations
- Dependence on regulatory approvals
- Competition from larger players in certain markets
- High debt load
Opportunities
- Expansion into new geographic markets
- Development of new payment technologies
- Acquisitions of complementary businesses
- Growth in digital payments and e-commerce
Threats
- Increased competition from Fintech companies
- Changes in regulations governing electronic payments and money transfer
- Economic downturns that could reduce transaction volumes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Western Union (WU)
- MoneyGram (MGI)
- Global Payments (GPN)
Competitive Landscape
Euronet competes with a range of players, including traditional financial institutions, established payment processors, and emerging Fintech companies. Its competitive advantages include its global network, diversified product portfolio, and strong presence in emerging markets.
Major Acquisitions
Innofis
- Year: 2017
- Acquisition Price (USD millions): 105
- Strategic Rationale: Expanded Euronetu2019s product portfolio to include cloud-based payment processing solutions.
YourCash
- Year: 2016
- Acquisition Price (USD millions): 190
- Strategic Rationale: Increased Euronet's ATM network footprint in Europe.
Growth Trajectory and Initiatives
Historical Growth: Euronet has grown significantly through organic expansion and acquisitions, particularly in emerging markets. The company has successfully diversified its product portfolio and expanded its geographic reach.
Future Projections: Analysts project continued revenue growth driven by increasing adoption of digital payments and money transfer services. Earnings are expected to grow at a faster rate than revenue due to operating leverage.
Recent Initiatives: Euronet has been investing in new technologies, such as mobile payments and blockchain, to enhance its service offerings. It has also been expanding its ATM network in strategic locations.
Summary
Euronet Worldwide is a moderately strong company in the electronic payments and money transfer industry. Its diversified portfolio, global presence, and growth in emerging markets are working well. However, it faces competition from Fintech companies, regulatory challenges, and potential economic downturns, requiring careful monitoring and strategic adaptation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly. It is recommended to conduct thorough research and consult with a 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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