Comprehensive Stock Comparison
Compare Euronet Worldwide, Inc. (EEFT) vs Corpay, Inc. (CPAY) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | EEFT | 8.2% revenue growth vs CPAY's 5.8% |
| Value | EEFT | Lower P/E (6.4x vs 12.5x) |
| Quality / Margins | CPAY | 24.4% net margin vs EEFT's 7.3% |
| Stability / Safety | EEFT | Beta 1.09 vs CPAY's 1.46, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | CPAY | -11.4% vs EEFT's -32.1% |
| Efficiency (ROA) | CPAY | 5.3% ROA vs EEFT's 4.8%, ROIC 14.7% vs 26.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Euronet Worldwide is a global payment processing company that operates ATMs, provides electronic fund transfer services, and distributes prepaid mobile products. It generates revenue primarily from transaction fees across its ATM network (42,700+ terminals), POS processing services (438,000+ terminals), and prepaid mobile top-up distribution — with its Electronic Fund Transfer Processing segment being the largest contributor. The company's competitive advantage lies in its extensive global physical infrastructure network and established relationships with financial institutions worldwide, creating significant barriers to entry in the payment processing space.
Corpay is a global payments company that helps businesses manage vehicle-related expenses, corporate payments, and lodging costs. It generates revenue primarily through transaction fees from its vehicle payment solutions — fuel, tolls, and fleet maintenance — and corporate payment automation services, with its cross-border and virtual card products forming significant segments. The company's competitive advantage lies in its specialized vertical expertise in complex business payments and its established network of merchants and fuel providers across multiple countries.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
CPAY leads in 2 of 6 categories (Financial Metrics, Total Returns). EEFT leads in 2 (Valuation Metrics, Profitability & Efficiency). 1 tied.
Financial Metrics (TTM)
CPAY and EEFT operate at a comparable scale, with $4.3B and $4.2B in trailing revenue. CPAY is the more profitable business, keeping 24.4% of every revenue dollar as net income compared to EEFT's 7.3%. On growth, CPAY holds the edge at +13.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $4.2B | $4.3B |
| EBITDAEarnings before interest/tax | $685M | $2.3B |
| Net IncomeAfter-tax profit | $304M | $1.1B |
| Free Cash FlowCash after capex | $334M | $1.1B |
| Gross MarginGross profit ÷ Revenue | +39.9% | +76.1% |
| Operating MarginEBIT ÷ Revenue | +13.2% | +44.5% |
| Net MarginNet income ÷ Revenue | +7.3% | +24.4% |
| FCF MarginFCF ÷ Revenue | +8.0% | +26.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.2% | +13.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -14.3% | +0.3% |
Valuation Metrics
At 10.8x trailing earnings, EEFT trades at a 54% valuation discount to CPAY's 23.3x P/E. Adjusting for growth (PEG ratio), CPAY offers better value at 3.30x vs EEFT's 14.56x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| Market CapShares × price | $2.9B | $22.8B |
| Enterprise ValueMkt cap + debt − cash | $3.1B | $29.3B |
| Trailing P/EPrice ÷ TTM EPS | 10.78x | 23.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.40x | 12.50x |
| PEG RatioP/E ÷ EPS growth rate | 14.56x | 3.30x |
| EV / EBITDAEnterprise value multiple | 4.86x | 13.68x |
| Price / SalesMarket cap ÷ Revenue | 0.73x | 5.74x |
| Price / BookPrice ÷ Book value/share | 2.72x | 7.42x |
| Price / FCFMarket cap ÷ FCF | 4.75x | 12.92x |
Profitability & Efficiency
CPAY delivers a 25.5% return on equity — every $100 of shareholder capital generates $26 in annual profit, vs $24 for EEFT. EEFT carries lower financial leverage with a 1.70x debt-to-equity ratio, signaling a more conservative balance sheet compared to CPAY's 2.54x. On the Piotroski fundamental quality scale (0–9), EEFT scores 7/9 vs CPAY's 4/9, reflecting strong financial health.
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +23.8% | +25.5% |
| ROA (TTM)Return on assets | +4.8% | +5.3% |
| ROICReturn on invested capital | +26.3% | +14.7% |
| ROCEReturn on capital employed | +17.3% | +20.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 |
| Debt / EquityFinancial leverage | 1.70x | 2.54x |
| Net DebtTotal debt minus cash | $162M | $6.4B |
| Cash & Equiv.Liquid assets | $1.9B | $1.6B |
| Total DebtShort + long-term debt | $2.1B | $8.0B |
| Interest CoverageEBIT ÷ Interest expense | 6.22x | 4.97x |
Total Returns (with DRIP)
A $10,000 investment in CPAY five years ago would be worth $11,508 today (with dividends reinvested), compared to $4,542 for EEFT. Over the past 12 months, CPAY leads with a -11.4% total return vs EEFT's -32.1%. The 3-year compound annual growth rate (CAGR) favors CPAY at 14.8% vs EEFT's -13.9% — a key indicator of consistent wealth creation.
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -6.1% | +8.2% |
| 1-Year ReturnPast 12 months | -32.1% | -11.4% |
| 3-Year ReturnCumulative with dividends | -36.1% | +51.4% |
| 5-Year ReturnCumulative with dividends | -54.6% | +15.1% |
| 10-Year ReturnCumulative with dividends | +6.1% | +154.6% |
| CAGR (3Y)Annualised 3-year return | -13.9% | +14.8% |
Risk & Volatility
EEFT is the less volatile stock with a 1.09 beta — it tends to amplify market swings less than CPAY's 1.46 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CPAY currently trades 86.6% from its 52-week high vs EEFT's 60.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.09x | 1.46x |
| 52-Week HighHighest price in past year | $114.25 | $375.61 |
| 52-Week LowLowest price in past year | $64.34 | $252.84 |
| % of 52W HighCurrent price vs 52-week peak | +60.9% | +86.6% |
| RSI (14)Momentum oscillator 0–100 | 48.1 | 50.9 |
| Avg Volume (50D)Average daily shares traded | 566K | 512K |
Analyst Outlook
Wall Street rates EEFT as "Buy" and CPAY as "Buy". Consensus price targets imply 44.9% upside for EEFT (target: $101) vs 11.4% for CPAY (target: $362).
| Metric | EEFTEuronet Worldwide… | CPAYCorpay, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $100.75 | $362.29 |
| # AnalystsCovering analysts | 23 | 18 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +9.2% | +5.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 100 | 59.63 | -40.4% |
| Corpay, Inc. (CPAY) | 100 | 114.44 | +14.4% |
Corpay, Inc. (CPAY) returned +15% over 5 years vs Euronet Worldwide, … (EEFT)'s -55%. A $10,000 investment in CPAY 5 years ago would be worth $11,508 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | $1.8B | $4.0B | +125.1% |
| Corpay, Inc. (CPAY) | $1.7B | $4.0B | +133.4% |
Euronet Worldwide, Inc.'s revenue grew from $1.8B (2015) to $4.0B (2024) — a 9.4% CAGR. Corpay, Inc.'s revenue grew from $1.7B (2015) to $4.0B (2024) — a 9.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 5.6% | 7.7% | +37.6% |
| Corpay, Inc. (CPAY) | 21.3% | 25.3% | +18.7% |
Euronet Worldwide, Inc.'s net margin went from 6% (2015) to 8% (2024). Corpay, Inc.'s net margin went from 21% (2015) to 25% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 29.6 | 15.9 | -46.3% |
| Corpay, Inc. (CPAY) | 24.3 | 24.2 | -0.4% |
Euronet Worldwide, Inc. has traded in a 16x–90x P/E range over 7 years; current trailing P/E is ~11x. Corpay, Inc. has traded in a 15x–34x P/E range over 8 years; current trailing P/E is ~23x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 1.83 | 6.45 | +252.5% |
| Corpay, Inc. (CPAY) | 3.85 | 13.97 | +262.9% |
Euronet Worldwide, Inc.'s EPS grew from $1.83 (2015) to $6.45 (2024) — a 15% CAGR. Corpay, Inc.'s EPS grew from $3.85 (2015) to $13.97 (2024) — a 15% CAGR.
Chart 6Free Cash Flow — 5 Years
Euronet Worldwide, Inc. generated $616M FCF in 2024 (+96% vs 2021). Corpay, Inc. generated $2B FCF in 2024 (+63% vs 2021).
EEFT vs CPAY: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is EEFT or CPAY a better buy right now?
Euronet Worldwide, Inc. (EEFT) offers the better valuation at 10.8x trailing P/E (6.4x forward), making it the more compelling value choice. Analysts rate Euronet Worldwide, Inc. (EEFT) a "Buy" — based on 23 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EEFT or CPAY?
On trailing P/E, Euronet Worldwide, Inc. (EEFT) is the cheapest at 10.8x versus Corpay, Inc. at 23.3x. On forward P/E, Euronet Worldwide, Inc. is actually cheaper at 6.4x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Corpay, Inc. wins at 1.77x versus Euronet Worldwide, Inc.'s 14.56x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — EEFT or CPAY?
Over the past 5 years, Corpay, Inc. (CPAY) delivered a total return of +15.1%, compared to -54.6% for Euronet Worldwide, Inc. (EEFT). A $10,000 investment in CPAY five years ago would be worth approximately $12K today (assuming dividends reinvested). Over 10 years, the gap is even starker: CPAY returned +154.6% versus EEFT's +6.1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EEFT or CPAY?
By beta (market sensitivity over 5 years), Euronet Worldwide, Inc. (EEFT) is the lower-risk stock at 1.09β versus Corpay, Inc.'s 1.46β — meaning CPAY is approximately 34% more volatile than EEFT relative to the S&P 500. On balance sheet safety, Euronet Worldwide, Inc. (EEFT) carries a lower debt/equity ratio of 170% versus 3% for Corpay, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — EEFT or CPAY?
Corpay, Inc. (CPAY) is the more profitable company, earning 25.3% net margin versus 7.7% for Euronet Worldwide, Inc. — meaning it keeps 25.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CPAY leads at 45.0% versus 12.6% for EEFT. At the gross margin level — before operating expenses — CPAY leads at 78.1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is EEFT or CPAY more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Corpay, Inc. (CPAY) is the more undervalued stock at a PEG of 1.77x versus Euronet Worldwide, Inc.'s 14.56x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Euronet Worldwide, Inc. (EEFT) trades at 6.4x forward P/E versus 12.5x for Corpay, Inc. — 6.1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EEFT: 44.9% to $100.75.
07Which pays a better dividend — EEFT or CPAY?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is EEFT or CPAY better for a retirement portfolio?
For long-horizon retirement investors, Euronet Worldwide, Inc. (EEFT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.09)). Both have compounded well over 10 years (EEFT: +6.1%, CPAY: +154.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between EEFT and CPAY?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: EEFT is a small-cap deep-value stock; CPAY is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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