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EEFT 
Euronet Worldwide Inc (EEFT)
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Upturn Advisory Summary
12/04/2025: 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 12/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.15B USD | Price to earnings Ratio 10.96 | 1Y Target Price 117.43 |
Price to earnings Ratio 10.96 | 1Y Target Price 117.43 | ||
Volume (30-day avg) 10 | Beta 0.86 | 52 Weeks Range 68.56 - 114.25 | Updated Date 12/3/2025 |
52 Weeks Range 68.56 - 114.25 | Updated Date 12/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.84 |
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 7.25% | Operating Margin (TTM) 17.02% |
Management Effectiveness
Return on Assets (TTM) 5.53% | Return on Equity (TTM) 23.21% |
Valuation
Trailing PE 10.96 | Forward PE 6.71 | Enterprise Value 3573792308 | Price to Sales(TTM) 0.75 |
Enterprise Value 3573792308 | Price to Sales(TTM) 0.75 | ||
Enterprise Value to Revenue 0.85 | Enterprise Value to EBITDA 5.43 | Shares Outstanding 42044681 | Shares Floating 39234835 |
Shares Outstanding 42044681 | Shares Floating 39234835 | ||
Percent Insiders 6.23 | Percent Institutions 102.93 |
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 services in Central and Eastern Europe, it expanded globally through acquisitions and organic growth, evolving into a leading electronic payments provider.
Core Business Areas
- EFT Processing: Provides electronic payment processing and related technology solutions for financial institutions, retailers, and mobile operators.
- ePay Segment: Distributes prepaid mobile airtime, prepaid debit cards, gift cards, and other digital content and payment solutions.
- Money Transfer Segment: Offers global money transfer services through a network of agents and company-owned locations under the Ria Money Transfer brand.
Leadership and Structure
Michael J. Brown is the Chairman and CEO. The organizational structure is divided into business segments, each with its own management team, reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- ATM Network: Operates a network of ATMs worldwide, providing cash access and other services. Market share varies by region but Euronet is a significant player in many European and Asian markets. Competitors include Diebold Nixdorf and NCR.
- Ria Money Transfer: Provides global money transfer services. Competes with Western Union (WU) and MoneyGram (MGI). Market share is substantial, being a major player in the money transfer industry. Revenue is significant, contributing substantially to overall company revenue.
- ePay Services: Distributes prepaid mobile airtime and other digital content. Competitors include InComm Payments. Volume of transactions is high.
Market Dynamics
Industry Overview
The electronic payments industry is experiencing growth driven by the increasing adoption of digital payment methods, globalization, and technological advancements. The money transfer segment faces increasing regulations and competition.
Positioning
Euronet is positioned as a diversified global provider of electronic payment solutions, with a strong presence in emerging markets. Competitive advantages include its global network, technology platform, and diversified revenue streams.
Total Addressable Market (TAM)
The TAM for electronic payments is estimated to be in the trillions of dollars globally. Euronet is positioned well to capitalize on this TAM through its diversified offerings and global presence. TAM for Ria Money Transfer is estimated to be in the billions.
Upturn SWOT Analysis
Strengths
- Global network of ATMs and money transfer locations
- Diversified revenue streams across multiple business segments
- Strong technology platform
- Presence in high-growth emerging markets
- Experienced management team
Weaknesses
- Exposure to regulatory changes in different countries
- High debt levels
- Competition from larger, more established players
- Fluctuations in currency exchange rates
Opportunities
- Expansion into new markets
- Acquisitions of complementary businesses
- Development of new payment solutions
- Increased adoption of digital payments
- Partnerships with financial institutions and retailers
Threats
- Increased competition from fintech companies
- Economic downturns in key markets
- Cybersecurity threats
- Changes in consumer preferences
- Regulatory compliance costs
Competitors and Market Share
Key Competitors
- Western Union (WU)
- MoneyGram (MGI)
- Fiserv (FI)
- Global Payments (GPN)
- InComm Payments (private)
Competitive Landscape
Euronet's strengths lie in its diversified business model and presence in emerging markets. Its challenges include competition from larger players and exposure to regulatory changes.
Major Acquisitions
Innofis
- Year: 2020
- Acquisition Price (USD millions): 115
- Strategic Rationale: Enhanced digital acquiring capabilities.
Growth Trajectory and Initiatives
Historical Growth: Euronet has experienced significant growth through acquisitions and organic expansion, particularly in emerging markets.
Future Projections: Analyst estimates would provide projections for future revenue growth, earnings per share, and other key financial metrics. Look for estimates driven by digital adoption and new markets.
Recent Initiatives: Recent initiatives include expanding its ATM network, launching new payment solutions, and entering new partnerships to drive growth.
Summary
Euronet Worldwide is a diversified electronic payments provider with a global presence. Its strengths include a diversified business model and presence in emerging markets. Potential challenges include regulatory risks and competition from larger players. The company's growth is driven by the increasing adoption of digital payments and expansion into new markets, making it a solid player in the electronic payments landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news articles
- Industry analysis reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice, and investors should conduct their own due diligence.
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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