Comprehensive Stock Comparison
Compare Euronet Worldwide, Inc. (EEFT) vs Block, Inc. (XYZ) 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 XYZ's 0.3% |
| Value | EEFT | Lower P/E (6.4x vs 19.0x) |
| Quality / Margins | EEFT | 7.3% net margin vs XYZ's 5.4% |
| Stability / Safety | EEFT | Beta 1.09 vs XYZ's 1.59 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | XYZ | -2.5% vs EEFT's -32.1% |
| Efficiency (ROA) | EEFT | 4.8% ROA vs XYZ's 3.3%, ROIC 26.3% vs 6.4% |
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.
Block is a financial technology company that provides payment processing and business software tools primarily for small and medium-sized businesses. It generates revenue primarily from transaction fees on payment processing — about 90% of total revenue — with additional income from subscription services, hardware sales, and banking services like Cash App. The company's key advantage is its integrated ecosystem that combines payment hardware, software, and banking services, creating network effects and high switching costs for merchants.
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
EEFT leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). XYZ leads in 1 (Total Returns). 1 tied.
Financial Metrics (TTM)
XYZ is the larger business by revenue, generating $24.2B annually — 5.8x EEFT's $4.2B. Profitability is closely matched — net margins range from 7.3% (EEFT) to 5.4% (XYZ).
| Metric | EEFTEuronet Worldwide… | XYZBlock, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $4.2B | $24.2B |
| EBITDAEarnings before interest/tax | $685M | $1.7B |
| Net IncomeAfter-tax profit | $304M | $1.3B |
| Free Cash FlowCash after capex | $334M | $2.4B |
| Gross MarginGross profit ÷ Revenue | +39.9% | +42.8% |
| Operating MarginEBIT ÷ Revenue | +13.2% | +7.1% |
| Net MarginNet income ÷ Revenue | +7.3% | +5.4% |
| FCF MarginFCF ÷ Revenue | +8.0% | +10.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.2% | +3.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -14.3% | -93.8% |
Valuation Metrics
At 10.8x trailing earnings, EEFT trades at a 64% valuation discount to XYZ's 30.3x P/E. Adjusting for growth (PEG ratio), XYZ offers better value at 0.83x vs EEFT's 14.56x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | EEFTEuronet Worldwide… | XYZBlock, Inc. |
|---|---|---|
| Market CapShares × price | $2.9B | $38.4B |
| Enterprise ValueMkt cap + debt − cash | $3.1B | $39.1B |
| Trailing P/EPrice ÷ TTM EPS | 10.78x | 30.33x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.40x | 19.00x |
| PEG RatioP/E ÷ EPS growth rate | 14.56x | 0.83x |
| EV / EBITDAEnterprise value multiple | 4.86x | 22.87x |
| Price / SalesMarket cap ÷ Revenue | 0.73x | 1.59x |
| Price / BookPrice ÷ Book value/share | 2.72x | 1.79x |
| Price / FCFMarket cap ÷ FCF | 4.75x | 15.82x |
Profitability & Efficiency
EEFT delivers a 23.8% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $6 for XYZ. XYZ carries lower financial leverage with a 0.33x debt-to-equity ratio, signaling a more conservative balance sheet compared to EEFT's 1.70x. On the Piotroski fundamental quality scale (0–9), EEFT scores 7/9 vs XYZ's 6/9, reflecting strong financial health.
| Metric | EEFTEuronet Worldwide… | XYZBlock, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +23.8% | +5.9% |
| ROA (TTM)Return on assets | +4.8% | +3.3% |
| ROICReturn on invested capital | +26.3% | +6.4% |
| ROCEReturn on capital employed | +17.3% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 1.70x | 0.33x |
| Net DebtTotal debt minus cash | $162M | $725M |
| Cash & Equiv.Liquid assets | $1.9B | $6.6B |
| Total DebtShort + long-term debt | $2.1B | $7.3B |
| Interest CoverageEBIT ÷ Interest expense | 6.22x | 13.21x |
Total Returns (with DRIP)
A $10,000 investment in EEFT five years ago would be worth $4,542 today (with dividends reinvested), compared to $2,643 for XYZ. Over the past 12 months, XYZ leads with a -2.5% total return vs EEFT's -32.1%. The 3-year compound annual growth rate (CAGR) favors XYZ at -6.0% vs EEFT's -13.9% — a key indicator of consistent wealth creation.
| Metric | EEFTEuronet Worldwide… | XYZBlock, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -6.1% | -2.2% |
| 1-Year ReturnPast 12 months | -32.1% | -2.5% |
| 3-Year ReturnCumulative with dividends | -36.1% | -17.0% |
| 5-Year ReturnCumulative with dividends | -54.6% | -73.6% |
| 10-Year ReturnCumulative with dividends | +6.1% | +510.2% |
| CAGR (3Y)Annualised 3-year return | -13.9% | -6.0% |
Risk & Volatility
EEFT is the less volatile stock with a 1.09 beta — it tends to amplify market swings less than XYZ's 1.59 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. XYZ currently trades 77.2% 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… | XYZBlock, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.09x | 1.59x |
| 52-Week HighHighest price in past year | $114.25 | $82.50 |
| 52-Week LowLowest price in past year | $64.34 | $44.27 |
| % of 52W HighCurrent price vs 52-week peak | +60.9% | +77.2% |
| RSI (14)Momentum oscillator 0–100 | 48.1 | 45.6 |
| Avg Volume (50D)Average daily shares traded | 566K | 5.8M |
Analyst Outlook
Wall Street rates EEFT as "Buy" and XYZ as "Buy". Consensus price targets imply 44.9% upside for EEFT (target: $101) vs 32.9% for XYZ (target: $85).
| Metric | EEFTEuronet Worldwide… | XYZBlock, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $100.75 | $84.67 |
| # AnalystsCovering analysts | 23 | 33 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +9.2% | 0.0% |
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% |
| Block, Inc. (XYZ) | 100 | 76.61 | -23.4% |
Euronet Worldwide, … (EEFT) returned -55% over 5 years vs Block, Inc. (XYZ)'s -74%.
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | $2.0B | $4.0B | +103.7% |
| Block, Inc. (XYZ) | $1.7B | $24.2B | +1315.9% |
Block, Inc.'s revenue grew from $1.7B (2016) to $24.2B (2025) — a 34.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 8.9% | 7.7% | -13.9% |
| Block, Inc. (XYZ) | -10.0% | 5.4% | +153.7% |
Block, Inc.'s net margin went from -10% (2016) to 5% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 29.6 | 15.9 | -46.3% |
| Block, Inc. (XYZ) | 77.2 | 31 | -59.8% |
Euronet Worldwide, Inc. has traded in a 16x–90x P/E range over 7 years; current trailing P/E is ~11x. Block, Inc. has traded in a 19x–495x P/E range over 5 years; current trailing P/E is ~30x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Euronet Worldwide, … (EEFT) | 3.23 | 6.45 | +99.7% |
| Block, Inc. (XYZ) | -0.5 | 2.1 | +520.0% |
Block, Inc.'s EPS grew from $-0.50 (2016) to $2.10 (2025).
Chart 6Free Cash Flow — 5 Years
Euronet Worldwide, Inc. generated $616M FCF in 2024 (+96% vs 2021). Block, Inc. generated $2B FCF in 2025 (+346% vs 2021).
EEFT vs XYZ: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is EEFT or XYZ 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 XYZ?
On trailing P/E, Euronet Worldwide, Inc. (EEFT) is the cheapest at 10.8x versus Block, Inc. at 30.3x. 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: Block, Inc. wins at 0.52x versus Euronet Worldwide, Inc.'s 14.56x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — EEFT or XYZ?
Over the past 5 years, Euronet Worldwide, Inc. (EEFT) delivered a total return of -54.6%, compared to -73.6% for Block, Inc. (XYZ). A $10,000 investment in EEFT five years ago would be worth approximately $5K today (assuming dividends reinvested). Over 10 years, the gap is even starker: XYZ returned +510.2% 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 XYZ?
By beta (market sensitivity over 5 years), Euronet Worldwide, Inc. (EEFT) is the lower-risk stock at 1.09β versus Block, Inc.'s 1.59β — meaning XYZ is approximately 45% more volatile than EEFT relative to the S&P 500. On balance sheet safety, Block, Inc. (XYZ) carries a lower debt/equity ratio of 33% versus 170% for Euronet Worldwide, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — EEFT or XYZ?
Euronet Worldwide, Inc. (EEFT) is the more profitable company, earning 7.7% net margin versus 5.4% for Block, Inc. — meaning it keeps 7.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EEFT leads at 12.6% versus 7.1% for XYZ. At the gross margin level — before operating expenses — XYZ leads at 42.8%, 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 XYZ 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, Block, Inc. (XYZ) is the more undervalued stock at a PEG of 0.52x versus Euronet Worldwide, Inc.'s 14.56x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Euronet Worldwide, Inc. (EEFT) trades at 6.4x forward P/E versus 19.0x for Block, Inc. — 12.6x 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 XYZ?
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 XYZ 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)). Block, Inc. (XYZ) carries a higher beta of 1.59 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (EEFT: +6.1%, XYZ: +510.2%), 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.
09What are the main differences between EEFT and XYZ?
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; XYZ 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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