EEFT
Euronet Worldwide, Inc.
Software - Infrastructure
Market Cap$2.72B
5Y Perf.-25.3%
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Stock Comparison
EEFT vs FOUR
Revenue, margins, valuation, and 5-year total return — side by side.
FOUR
Shift4 Payments, Inc.
Software - Infrastructure
Market Cap$3.81B
5Y Perf.+32.0%
EEFT vs FOUR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | EEFT | FOUR |
|---|---|---|
| Industry | Software - Infrastructure | Software - Infrastructure |
| Market Cap | $2.72B | $3.81B |
| Revenue (TTM) | $4.24B | $3.33B |
| Net Income (TTM) | $310M | $86M |
| Gross Margin | 41.3% | 35.2% |
| Operating Margin | 12.5% | 11.3% |
| Forward P/E | 6.5x | 8.4x |
| Total Debt | $2.18B | $4.62B |
| Cash & Equiv. | $1.71B | $964M |
EEFT vs FOUR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EEFT
FOUR
| Stock | Jun 20 | May 26 | Return |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 100 | 74.7 | -25.3% |
| Shift4 Payments, In… (FOUR) | 100 | 132.0 | +32.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EEFT vs FOUR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: EEFT leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Shift4 Payments, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
EEFT
Euronet Worldwide, Inc.
The Income Pick
EEFT carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 1.06
- Lower volatility, beta 1.06, current ratio 1.11x
- Beta 1.06, current ratio 1.11x
Best for: income & stability and sleep-well-at-night
FOUR
Shift4 Payments, Inc.
The Growth Play
FOUR is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 25.5%, EPS growth -64.4%, 3Y rev CAGR 28.0%
- 39.7% 10Y total return vs EEFT's -6.2%
- 25.5% revenue growth vs EEFT's 6.4%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FOUR | 25.5% revenue growth vs EEFT's 6.4% |
| Value | EEFT | Lower P/E (6.5x vs 8.4x) |
| Quality / Margins | EEFT | 7.3% margin vs FOUR's 2.6% |
| Stability / Safety | EEFT | Beta 1.06 vs FOUR's 1.51, lower leverage |
| Dividends | FOUR | 0.7% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | EEFT | -32.3% vs FOUR's -43.7% |
| Efficiency (ROA) | EEFT | 4.9% ROA vs FOUR's 1.0%, ROIC 25.0% vs 6.3% |
EEFT vs FOUR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
EEFT vs FOUR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLEEFTLAGGINGFOUR
FOURShift4 Payments, Inc.
2leads
EEFTEuronet Worldwide, In…
4leads
6 Total Categories
CATEGORYLEADERvs FOURMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
EEFT5/6
Valuation MetricsMultiples, price ratios, and targets
EEFT5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
EEFT8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FOUR4/6
Risk & VolatilityBeta, volatility, and downside exposure
EEFT2/2
Analyst OutlookRatings, price targets, and dividends
FOUR1/1
Income & Cash Flow (Last 12 Months)
EEFT leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
EEFT and FOUR operate at a comparable scale, with $4.2B and $3.3B in trailing revenue. Profitability is closely matched — net margins range from 7.3% (EEFT) to 2.6% (FOUR). On growth, EEFT holds the edge at +5.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| RevenueTrailing 12 months | $4.2B | $3.3B |
| EBITDAEarnings before interest/tax | $669M | $629M |
| Net IncomeAfter-tax profit | $310M | $86M |
| Free Cash FlowCash after capex | $411M | $687M |
| Gross MarginGross profit ÷ Revenue | +41.3% | +35.2% |
| Operating MarginEBIT ÷ Revenue | +12.5% | +11.3% |
| Net MarginNet income ÷ Revenue | +7.3% | +2.6% |
| FCF MarginFCF ÷ Revenue | +9.7% | +20.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +5.9% | -100.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +10.2% | -105.0% |
EEFT leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
EEFT leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 10.5x trailing earnings, EEFT trades at a 76% valuation discount to FOUR's 43.4x P/E. On an enterprise value basis, EEFT's 4.8x EV/EBITDA is more attractive than FOUR's 9.5x.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| Market CapShares × price | $2.7B | $3.8B |
| Enterprise ValueMkt cap + debt − cash | $3.2B | $7.5B |
| Trailing P/EPrice ÷ TTM EPS | 10.46x | 43.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.54x | 8.41x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 4.76x | 9.53x |
| Price / SalesMarket cap ÷ Revenue | 0.64x | 0.91x |
| Price / BookPrice ÷ Book value/share | 2.48x | 2.13x |
| Price / FCFMarket cap ÷ FCF | 6.62x | 7.63x |
EEFT leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
EEFT leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
EEFT delivers a 23.5% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $4 for FOUR. EEFT carries lower financial leverage with a 1.65x debt-to-equity ratio, signaling a more conservative balance sheet compared to FOUR's 2.36x. On the Piotroski fundamental quality scale (0–9), FOUR scores 7/9 vs EEFT's 6/9, reflecting strong financial health.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| ROE (TTM)Return on equity | +23.5% | +4.4% |
| ROA (TTM)Return on assets | +4.9% | +1.0% |
| ROICReturn on invested capital | +25.0% | +6.3% |
| ROCEReturn on capital employed | +20.2% | +6.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 1.65x | 2.36x |
| Net DebtTotal debt minus cash | $464M | $3.7B |
| Cash & Equiv.Liquid assets | $1.7B | $964M |
| Total DebtShort + long-term debt | $2.2B | $4.6B |
| Interest CoverageEBIT ÷ Interest expense | 6.30x | 3.40x |
EEFT leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FOUR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FOUR five years ago would be worth $5,364 today (with dividends reinvested), compared to $5,050 for EEFT. Over the past 12 months, EEFT leads with a -32.3% total return vs FOUR's -43.7%. The 3-year compound annual growth rate (CAGR) favors FOUR at -8.7% vs EEFT's -14.1% — a key indicator of consistent wealth creation.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| YTD ReturnYear-to-date | -3.4% | -25.2% |
| 1-Year ReturnPast 12 months | -32.3% | -43.7% |
| 3-Year ReturnCumulative with dividends | -36.7% | -24.0% |
| 5-Year ReturnCumulative with dividends | -49.5% | -46.4% |
| 10-Year ReturnCumulative with dividends | -6.2% | +39.7% |
| CAGR (3Y)Annualised 3-year return | -14.1% | -8.7% |
FOUR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
EEFT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
EEFT is the less volatile stock with a 1.06 beta — it tends to amplify market swings less than FOUR's 1.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EEFT currently trades 62.7% from its 52-week high vs FOUR's 43.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.06x | 1.51x |
| 52-Week HighHighest price in past year | $114.25 | $108.50 |
| 52-Week LowLowest price in past year | $63.73 | $39.91 |
| % of 52W HighCurrent price vs 52-week peak | +62.7% | +43.2% |
| RSI (14)Momentum oscillator 0–100 | 43.1 | 43.3 |
| Avg Volume (50D)Average daily shares traded | 645K | 2.2M |
EEFT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
FOUR leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates EEFT as "Buy" and FOUR as "Buy". Consensus price targets imply 56.6% upside for FOUR (target: $73) vs 27.7% for EEFT (target: $91). FOUR is the only dividend payer here at 0.72% yield — a key consideration for income-focused portfolios.
| Metric | EEFTEuronet Worldwide… | FOURShift4 Payments, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $91.40 | $73.36 |
| # AnalystsCovering analysts | 23 | 29 |
| Dividend YieldAnnual dividend ÷ price | — | +0.7% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | — | $0.34 |
| Buyback YieldShare repurchases ÷ mkt cap | +24.6% | +12.8% |
FOUR leads this category, winning 1 of 1 comparable metric.
Key Takeaway
EEFT leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). FOUR leads in 2 (Total Returns, Analyst Outlook).
Best OverallEuronet Worldwide, Inc. (EEFT)Leads 4 of 6 categories
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EEFT vs FOUR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EEFT or FOUR a better buy right now?
For growth investors, Shift4 Payments, Inc.
(FOUR) is the stronger pick with 25. 5% revenue growth year-over-year, versus 6. 4% for Euronet Worldwide, Inc. (EEFT). Euronet Worldwide, Inc. (EEFT) offers the better valuation at 10. 5x trailing P/E (6. 5x 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 FOUR?
On trailing P/E, Euronet Worldwide, Inc.
(EEFT) is the cheapest at 10. 5x versus Shift4 Payments, Inc. at 43. 4x. On forward P/E, Euronet Worldwide, Inc. is actually cheaper at 6. 5x.
03Which is the better long-term investment — EEFT or FOUR?
Over the past 5 years, Shift4 Payments, Inc.
(FOUR) delivered a total return of -46. 4%, compared to -49. 5% for Euronet Worldwide, Inc. (EEFT). Over 10 years, the gap is even starker: FOUR returned +39. 7% versus EEFT's -6. 2%. 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 FOUR?
By beta (market sensitivity over 5 years), Euronet Worldwide, Inc.
(EEFT) is the lower-risk stock at 1. 06β versus Shift4 Payments, Inc. 's 1. 51β — meaning FOUR is approximately 42% 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 165% versus 2% for Shift4 Payments, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EEFT or FOUR?
By revenue growth (latest reported year), Shift4 Payments, Inc.
(FOUR) is pulling ahead at 25. 5% versus 6. 4% for Euronet Worldwide, Inc. (EEFT). On earnings-per-share growth, the picture is similar: Euronet Worldwide, Inc. grew EPS 6. 0% year-over-year, compared to -64. 4% for Shift4 Payments, Inc.. Over a 3-year CAGR, FOUR leads at 28. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EEFT or FOUR?
Euronet Worldwide, Inc.
(EEFT) is the more profitable company, earning 7. 3% net margin versus 2. 8% for Shift4 Payments, Inc. — meaning it keeps 7. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EEFT leads at 12. 5% versus 8. 4% for FOUR. At the gross margin level — before operating expenses — EEFT leads at 41. 3%, 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.
07Is EEFT or FOUR more undervalued right now?
On forward earnings alone, Euronet Worldwide, Inc.
(EEFT) trades at 6. 5x forward P/E versus 8. 4x for Shift4 Payments, Inc. — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FOUR: 56. 6% to $73. 36.
08Which pays a better dividend — EEFT or FOUR?
In this comparison, FOUR (0.
7% yield) pays a dividend. EEFT does not pay a meaningful dividend and should not be held primarily for income.
09Is EEFT or FOUR better for a retirement portfolio?
For long-horizon retirement investors, Shift4 Payments, Inc.
(FOUR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (0. 7% yield). Both have compounded well over 10 years (FOUR: +39. 7%, EEFT: -6. 2%), 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.
10What are the main differences between EEFT and FOUR?
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; FOUR is a small-cap high-growth stock. FOUR pays a dividend while EEFT does not, making them suitable for different income and tax situations. 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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Revenue Growth>
%
(EEFT: 5.9% · FOUR: -100.0%)Net Margin>
%
(EEFT: 7.3% · FOUR: 2.6%)P/E Ratio<
x
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