Euronet Worldwide, Inc. (EEFT) 10-Year Financial Performance & Capital Metrics

EEFT •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

AboutEuronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, agents, retailers, merchants, content providers, and individual consumers worldwide. The company's Electronic Fund Transfer Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions, as well as delivers non-cash products. This segment operates a network of 42,713 ATMs and approximately 438,000 POS terminals. Its epay segment distributes and processed prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 775,000 POS terminals. The company's Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. This segment operates a network of approximately 510,000 money transfer locations. 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.Show more

Revenue $3.99B +8.2%
EBITDA $635M +12.3%
Net Income $306M +9.4%
EPS (Diluted) 6.45 +17.3%
Gross Margin 23.82% +1.9%
EBITDA Margin 15.92% +3.8%
Operating Margin 12.61% +7.5%
Net Margin 7.67% +1.1%
ROE 24.69% +10.1%
ROIC 26.26% +15.2%
Debt/Equity 1.70 +5.2%
Interest Coverage 6.25 -19.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 21.9%
✓Strong Piotroski F-Score: 7/9
✓FCF machine: 15.4% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Share count reduced 6.8% through buybacks

✗Weaknesses

✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y9.14%

5Y7.73%

3Y10.03%

TTM7.25%

Profit (Net Income) CAGR

10Y11.66%

5Y-2.47%

3Y62.97%

TTM-7.82%

EPS CAGR

10Y13.06%

5Y0.44%

3Y69.69%

TTM-1.01%

ROCE

10Y Avg14.09%

5Y Avg10.38%

3Y Avg14.73%

Latest17.34%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.77B	1.96B	2.25B	2.54B	2.75B	2.48B	3B	3.36B	3.69B	3.99B
Revenue Growth %	6.5%	10.51%	15%	12.62%	8.42%	-9.72%	20.65%	12.13%	9.8%	8.18%
Cost of Goods Sold+	1.08B	1.17B	1.36B	1.49B	1.56B	1.98B	1.9B	2.55B	2.83B	3.04B
COGS % of Revenue	61.04%	59.97%	60.21%	58.68%	56.6%	79.79%	63.44%	75.99%	76.62%	76.18%
Gross Profit+	690.41M	784.07M	896.17M	1.05B	1.19B	501.86M	1.1B	806.4M	862.3M	950.3M
Gross Margin %	38.96%	40.03%	39.79%	41.32%	43.4%	20.21%	36.56%	24.01%	23.38%	23.82%
Gross Profit Growth %	9.47%	13.57%	14.3%	16.97%	13.87%	-57.96%	118.25%	-26.38%	6.93%	10.21%
Operating Expenses+	485.57M	534.3M	630.17M	690.31M	718.43M	455.24M	911.3M	421M	429.7M	447.1M
OpEx % of Revenue	27.4%	27.28%	27.98%	27.21%	26.12%	18.34%	30.42%	12.53%	11.65%	11.21%
Selling, General & Admin	415.55M	453.77M	501.09M	577.24M	606.69M	221.61M	736.9M	285.1M	296.8M	315.3M
SG&A % of Revenue	23.45%	23.17%	22.25%	22.76%	22.06%	8.93%	24.6%	8.49%	8.05%	7.9%
Research & Development	2.6M	12M	15.4M	0	0	0	0	0	0	0
R&D % of Revenue	0.15%	0.61%	0.68%	-	-	-	-	-	-	-
Other Operating Expenses	67.42M	80.53M	129.09M	113.07M	111.74M	233.62M	174.4M	135.9M	132.9M	131.8M
Operating Income+	204.84M	249.77M	266M	357.91M	475.19M	46.62M	184M	385.4M	432.6M	503.2M
Operating Margin %	11.56%	12.75%	11.81%	14.11%	17.28%	1.88%	6.14%	11.47%	11.73%	12.61%
Operating Income Growth %	29.05%	21.94%	6.5%	34.56%	32.77%	-90.19%	294.66%	109.46%	12.25%	16.32%
EBITDA+	274.87M	330.3M	361.03M	463.94M	586.94M	173.64M	319.8M	521.3M	565.5M	635M
EBITDA Margin %	15.51%	16.86%	16.03%	18.29%	21.34%	6.99%	10.68%	15.52%	15.33%	15.92%
EBITDA Growth %	19.41%	20.17%	9.3%	28.5%	26.51%	-70.42%	84.17%	63.01%	8.48%	12.29%
D&A (Non-Cash Add-back)	70.03M	80.53M	95.03M	106.02M	111.74M	127.02M	135.8M	135.9M	132.9M	131.8M
EBIT	204.84M	249.77M	300.05M	364.96M	475.19M	153.22M	222.6M	385.4M	432.6M	503.2M
Net Interest Income+	-22.64M	-26.64M	-30.13M	-36.25M	-34.27M	-35.56M	-37.6M	-35.5M	-40.4M	-56.7M
Interest Income	2.1M	1.7M	2.5M	1.3M	1.9M	1.1M	700K	2M	15.2M	23.8M
Interest Expense	24.9M	28.6M	32.4M	37.7M	36.1M	36.6M	38.3M	37.5M	55.6M	80.5M
Other Income/Expense	-63.75M	-16.88M	-9.66M	-63M	-41.39M	-38.45M	-48.33M	-62.74M	-32.2M	-54.3M
Pretax Income+	141.09M	232.89M	256.33M	294.92M	433.81M	8.17M	135.68M	322.6M	400.4M	448.9M
Pretax Margin %	7.96%	11.89%	11.38%	11.63%	15.77%	0.33%	4.53%	9.6%	10.86%	11.25%
Income Tax+	42.6M	58.8M	99.39M	62.78M	87.11M	11.47M	65.09M	91.85M	120.9M	142.6M
Effective Tax Rate %	70.02%	74.88%	61.21%	78.94%	79.94%	-41.6%	52.11%	71.61%	69.86%	68.17%
Net Income+	98.8M	174.4M	156.9M	232.8M	346.8M	-3.4M	70.7M	231M	279.7M	306M
Net Margin %	5.57%	8.9%	6.97%	9.18%	12.61%	-0.14%	2.36%	6.88%	7.58%	7.67%
Net Income Growth %	-2.76%	76.52%	-10.03%	48.37%	48.97%	-100.98%	2180.02%	226.73%	21.08%	9.4%
Net Income (Continuing)	98.49M	174.1M	156.94M	232.13M	346.69M	-3.3M	70.59M	230.7M	279.5M	306.3M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	1.37M	1.01M	960K	169K	68K	281K	43K	-200K	-200K	500K
EPS (Diluted)+	1.83	3.23	2.85	4.26	6.31	-0.06	1.32	4.41	5.50	6.45
EPS Growth %	-3.17%	76.5%	-11.76%	49.47%	48.12%	-101.02%	2146.51%	234.09%	24.72%	17.27%
EPS (Basic)	1.89	3.34	2.99	4.26	6.49	-0.06	1.35	4.70	5.86	6.82
Diluted Shares Outstanding	54.08M	54M	55.12M	54.63M	54.91M	52.66M	53.53M	53.46M	51.6M	48.08M
Basic Shares Outstanding	53.99M	54M	55.03M	54.63M	53.45M	52.66M	52.59M	50.18M	48.48M	44.9M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.13B	1.58B	1.89B	2.09B	2.92B	3.37B	3.31B	3.73B	4.16B	4.04B
Cash & Short-Term Investments	457.5M	727.7M	819.1M	1.05B	1.45B	1.83B	1.8B	1.65B	1.78B	1.92B
Cash Only	457.5M	727.7M	819.1M	1.05B	1.45B	1.83B	1.8B	1.65B	1.78B	1.92B
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	423.3M	502.99M	744.88M	202.51M	201.94M	117.52M	203.01M	270.8M	370.6M	284.9M
Days Sales Outstanding	87.18	93.74	120.71	29.14	26.8	17.28	24.74	29.43	36.68	26.06
Inventory	72.1M	78.1M	95.7M	-14K	0	0	0	0	0	0
Days Inventory Outstanding	24.33	24.27	25.76	-	-	-	-	-	-	-
Other Current Assets	82.35M	152.98M	117.95M	991.33M	1.05B	1.14B	1.11B	1.45B	2.01B	1.83B
Total Non-Current Assets+	1.06B	1.13B	1.25B	1.23B	1.74B	1.56B	1.44B	1.68B	1.73B	1.8B
Property, Plant & Equipment	157.4M	202.1M	268.3M	291.9M	737.52M	540.51M	506.88M	486.3M	474.7M	461.8M
Fixed Asset Turnover	11.26x	9.69x	8.40x	8.69x	3.73x	4.59x	5.91x	6.91x	7.77x	8.64x
Goodwill	685.18M	689.71M	717.39M	704.2M	743.82M	665.82M	641.61M	828.3M	847.5M	859.2M
Intangible Assets	167.97M	165.33M	150.54M	114.48M	257.59M	354.44M	287.37M	362.3M	167.6M	415.6M
Long-Term Investments	-33.92M	-44.08M	-54.97M	-57.15M	0	0	0	0	0	88.1M
Other Non-Current Assets	51.1M	70.8M	113.6M	123M	0	0	0	0	241.9M	-26.7M
Total Assets+	2.19B	2.71B	3.14B	3.32B	4.66B	4.93B	4.74B	5.4B	5.89B	5.83B
Asset Turnover	0.81x	0.72x	0.72x	0.76x	0.59x	0.50x	0.63x	0.62x	0.63x	0.68x
Asset Growth %	6.88%	23.41%	16.03%	5.77%	40.24%	5.78%	-3.7%	13.9%	9.08%	-1.02%
Total Current Liabilities+	903.9M	1.17B	1.41B	1.38B	1.63B	1.86B	1.85B	2.35B	2.7B	3.23B
Accounts Payable	456.16M	456.68M	494.84M	72.91M	81.74M	147.59M	193.53M	222.4M	241.2M	223.8M
Days Payables Outstanding	153.9	141.92	133.17	17.88	19.17	27.2	37.17	31.8	31.16	26.88
Short-Term Debt	12.06M	32.16M	41.29M	38.02M	6.09M	797K	821K	100K	150.3M	812.7M
Deferred Revenue (Current)	35.89M	44.2M	52M	59.29M	58.59M	73.36M	77.04M	65.4M	56.7M	56.4M
Other Current Liabilities	25.89M	63.77M	22.5M	951.56M	1.06B	1.21B	1.13B	1.49B	2.04B	1.58B
Current Ratio	1.25x	1.35x	1.34x	1.51x	1.79x	1.81x	1.79x	1.58x	1.54x	1.25x
Quick Ratio	1.17x	1.28x	1.27x	1.51x	1.79x	1.81x	1.79x	1.58x	1.54x	1.25x
Cash Conversion Cycle	-42.4	-23.91	13.29	-	-	-	-	-	-	-
Total Non-Current Liabilities+	462.8M	633.2M	532.8M	709.9M	1.44B	1.63B	1.64B	1.81B	1.94B	1.38B
Long-Term Debt	405.47M	561.66M	404.01M	589.78M	1.09B	1.44B	1.42B	1.61B	1.72B	1.13B
Capital Lease Obligations	4.15M	6.97M	9.75M	0	241.98M	106.5M	111.36M	102.7M	95.8M	87.4M
Deferred Tax Liabilities	33.9M	44.1M	55M	57.1M	56.07M	37.88M	46.51M	28.4M	47M	71.8M
Other Non-Current Liabilities	53.23M	64.58M	119.07M	120.14M	55.36M	43.4M	58.17M	65M	85.9M	85.7M
Total Liabilities	1.37B	1.81B	1.94B	2.09B	3.08B	3.48B	3.49B	4.16B	4.64B	4.61B
Total Debt+	423.7M	604.2M	460.5M	641.5M	1.47B	1.6B	1.59B	1.77B	2.01B	2.08B
Net Debt	-33.8M	-123.5M	-358.6M	-412.9M	20.55M	-227.58M	-215.34M	118.3M	234M	161.5M
Debt / Equity	0.51x	0.67x	0.38x	0.52x	0.93x	1.11x	1.27x	1.42x	1.61x	1.70x
Debt / EBITDA	1.54x	1.83x	1.28x	1.38x	2.51x	9.24x	4.97x	3.39x	3.56x	3.28x
Net Debt / EBITDA	-0.12x	-0.37x	-0.99x	-0.89x	0.04x	-1.31x	-0.67x	0.23x	0.41x	0.25x
Interest Coverage	8.23x	8.73x	8.21x	9.49x	13.16x	1.27x	4.80x	10.28x	7.78x	6.25x
Total Equity+	827.37M	901.51M	1.2B	1.23B	1.58B	1.45B	1.26B	1.24B	1.25B	1.23B
Equity Growth %	12.57%	8.96%	33.16%	2.72%	28.08%	-8.45%	-13.17%	-0.89%	0.43%	-1.64%
Book Value per Share	15.30	16.69	21.78	22.57	28.76	27.46	23.45	23.28	24.22	25.56
Total Shareholders' Equity	826M	900.5M	1.2B	1.23B	1.58B	1.45B	1.26B	1.24B	1.25B	1.23B
Common Stock	1.16M	1.17M	1.18M	1.2M	1.26M	1.27M	1.27M	1.3M	1.3M	1.3M
Retained Earnings	104.43M	278.84M	436.95M	669.8M	1.02B	1.01B	1.08B	1.35B	1.63B	1.93B
Treasury Stock	-138.75M	-215.46M	-217.16M	-391.55M	-463.7M	-703.03M	-931.21M	-1.11B	-1.49B	-1.76B
Accumulated OCI	-165.53M	-210.66M	-94.46M	-151.04M	-164.89M	-94.21M	-172.58M	-251M	-203.2M	-321.5M
Minority Interest	1.37M	1.01M	960K	169K	68K	281K	43K	-200K	-200K	500K

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	215.05M	391.52M	286.28M	397.23M	504.49M	253.5M	406.58M	748.29M	643.1M	732.8M
Operating CF Margin %	12.13%	19.99%	12.71%	15.66%	18.34%	10.21%	13.57%	22.28%	17.44%	18.37%
Operating CF Growth %	-8.5%	82.06%	-26.88%	38.76%	27%	-49.75%	60.38%	84.05%	-14.06%	13.95%
Net Income	98.81M	174.41M	156.84M	232.85M	346.69M	-3.4M	70.73M	230.99M	279.7M	306.3M
Depreciation & Amortization	70.03M	80.53M	95.03M	106.02M	111.74M	127.02M	135.75M	135.86M	132.9M	131.8M
Stock-Based Compensation	12.8M	14.98M	15.62M	16.76M	21.44M	21.95M	36.5M	44.1M	53.7M	43.9M
Deferred Taxes	-5.02M	850K	-10.86M	-43.26M	17.11M	-23.95M	-2.25M	7.88M	13.7M	18.5M
Other Non-Cash Items	46.22M	136.58M	34.4M	58.36M	24.22M	68.25M	273.29M	628.86M	-4.2M	23.2M
Working Capital Changes	-59.02M	-87.73M	-198.09M	26.5M	-16.72M	63.63M	-107.48M	-299.41M	167.3M	209.1M
Change in Receivables	-66.08M	-87.73M	-198.09M	26.5M	-87.88M	63.63M	-107.48M	-299.41M	-190.9M	269.8M
Change in Inventory	7.06M	-6.71M	-11.6M	0	0	-5.33M	-31.9M	-170.73M	0	0
Change in Payables	39.63M	9.71M	3.84M	45.56M	53.55M	88.69M	-33.22M	178.05M	53.6M	-53.9M
Cash from Investing+	-193.98M	-136.31M	-101.86M	-132.28M	-229.03M	-105.53M	-98.11M	-453.78M	-157.6M	-223.3M
Capital Expenditures	-74.62M	-87.41M	-97.23M	-112.48M	-131.29M	-97.63M	-92.21M	-104.26M	-94.4M	-117.2M
CapEx % of Revenue	4.21%	4.46%	4.32%	4.43%	4.77%	3.93%	3.08%	3.1%	2.56%	2.94%
Acquisitions	-113.97M	-68.27M	0	-12.85M	-94.19M	-1.1M	0	-342.95M	-1.3M	-91.6M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-119.36M	-48.9M	-4.62M	-19.8M	-3.55M	-6.8M	-5.9M	-6.57M	-61.9M	-14.5M
Cash from Financing+	-1.19M	79.51M	-161.15M	2.02M	416.3M	35.4M	-212.24M	-1.15M	-143.2M	-135.7M
Debt Issued (Net)	-7.33M	149.24M	-169.35M	170.48M	500.2M	265.24M	13M	172.6M	229.4M	120.3M
Equity Issued (Net)	1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-6.08M	-77.36M	-3.06M	-177.85M	-74.46M	-241.52M	-229.88M	-175.97M	-378.4M	-268.6M
Other Financing	1.71M	7.63M	281K	-9.21M	-24.43M	-6.43M	4.66M	2.25M	-2M	-4.6M
Net Change in Cash	-10.49M	354.57M	88.43M	230.43M	686.43M	282.13M	-13.41M	-95.24M	256.2M	241.2M
Free Cash Flow+	140.43M	304.11M	189.04M	284.75M	373.2M	155.88M	314.37M	644.03M	548.7M	615.6M
FCF Margin %	7.92%	15.53%	8.39%	11.23%	13.57%	6.28%	10.49%	19.17%	14.88%	15.43%
FCF Growth %	-18.32%	116.55%	-37.84%	50.63%	31.06%	-58.23%	101.68%	104.87%	-14.8%	12.19%
FCF per Share	2.60	5.63	3.43	5.21	6.80	2.96	5.87	12.05	10.63	12.80
FCF Conversion (FCF/Net Income)	2.18x	2.24x	1.82x	1.71x	1.45x	-74.58x	5.75x	3.24x	2.30x	2.39x
Interest Paid	11.8M	14.44M	20.46M	23.55M	13.13M	17.32M	18.5M	29.1M	53.2M	78.3M
Taxes Paid	54.61M	-43.18M	48.64M	-84.38M	74.09M	60.17M	48.7M	86.2M	94.5M	109M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.65%	20.18%	14.93%	19.13%	24.66%	-0.22%	5.23%	18.48%	22.43%	24.69%
Return on Invested Capital (ROIC)	20.67%	23.84%	24.63%	32.3%	29.45%	2.48%	12.22%	24.06%	22.8%	26.26%
Gross Margin	38.96%	40.03%	39.79%	41.32%	43.4%	20.21%	36.56%	24.01%	23.38%	23.82%
Net Margin	5.57%	8.9%	6.97%	9.18%	12.61%	-0.14%	2.36%	6.88%	7.58%	7.67%
Debt / Equity	0.51x	0.67x	0.38x	0.52x	0.93x	1.11x	1.27x	1.42x	1.61x	1.70x
Interest Coverage	8.23x	8.73x	8.21x	9.49x	13.16x	1.27x	4.80x	10.28x	7.78x	6.25x
FCF Conversion	2.18x	2.24x	1.82x	1.71x	1.45x	-74.58x	5.75x	3.24x	2.30x	2.39x
Revenue Growth	6.5%	10.51%	15%	12.62%	8.42%	-9.72%	20.65%	12.13%	9.8%	8.18%

US Stock Screener

...

Euronet Worldwide, Inc. (EEFT) 10-Year Financial Performance & Capital Metrics

EEFT •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $3.99B +8.2%
EBITDA $635M +12.3%
Net Income $306M +9.4%
EPS (Diluted) 6.45 +17.3%
Gross Margin 23.82% +1.9%
EBITDA Margin 15.92% +3.8%
Operating Margin 12.61% +7.5%
Net Margin 7.67% +1.1%
ROE 24.69% +10.1%
ROIC 26.26% +15.2%
Debt/Equity 1.70 +5.2%
Interest Coverage 6.25 -19.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 21.9%
✓Strong Piotroski F-Score: 7/9
✓FCF machine: 15.4% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Share count reduced 6.8% through buybacks

✗Weaknesses

✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y9.14%

5Y7.73%

3Y10.03%

TTM7.25%

Profit (Net Income) CAGR

10Y11.66%

5Y-2.47%

3Y62.97%

TTM-7.82%

EPS CAGR

10Y13.06%

5Y0.44%

3Y69.69%

TTM-1.01%

ROCE

10Y Avg14.09%

5Y Avg10.38%

3Y Avg14.73%

Latest17.34%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.77B	1.96B	2.25B	2.54B	2.75B	2.48B	3B	3.36B	3.69B	3.99B
Revenue Growth %	6.5%	10.51%	15%	12.62%	8.42%	-9.72%	20.65%	12.13%	9.8%	8.18%
Cost of Goods Sold+	1.08B	1.17B	1.36B	1.49B	1.56B	1.98B	1.9B	2.55B	2.83B	3.04B
COGS % of Revenue	61.04%	59.97%	60.21%	58.68%	56.6%	79.79%	63.44%	75.99%	76.62%	76.18%
Gross Profit+	690.41M	784.07M	896.17M	1.05B	1.19B	501.86M	1.1B	806.4M	862.3M	950.3M
Gross Margin %	38.96%	40.03%	39.79%	41.32%	43.4%	20.21%	36.56%	24.01%	23.38%	23.82%
Gross Profit Growth %	9.47%	13.57%	14.3%	16.97%	13.87%	-57.96%	118.25%	-26.38%	6.93%	10.21%
Operating Expenses+	485.57M	534.3M	630.17M	690.31M	718.43M	455.24M	911.3M	421M	429.7M	447.1M
OpEx % of Revenue	27.4%	27.28%	27.98%	27.21%	26.12%	18.34%	30.42%	12.53%	11.65%	11.21%
Selling, General & Admin	415.55M	453.77M	501.09M	577.24M	606.69M	221.61M	736.9M	285.1M	296.8M	315.3M
SG&A % of Revenue	23.45%	23.17%	22.25%	22.76%	22.06%	8.93%	24.6%	8.49%	8.05%	7.9%
Research & Development	2.6M	12M	15.4M	0	0	0	0	0	0	0
R&D % of Revenue	0.15%	0.61%	0.68%	-	-	-	-	-	-	-
Other Operating Expenses	67.42M	80.53M	129.09M	113.07M	111.74M	233.62M	174.4M	135.9M	132.9M	131.8M
Operating Income+	204.84M	249.77M	266M	357.91M	475.19M	46.62M	184M	385.4M	432.6M	503.2M
Operating Margin %	11.56%	12.75%	11.81%	14.11%	17.28%	1.88%	6.14%	11.47%	11.73%	12.61%
Operating Income Growth %	29.05%	21.94%	6.5%	34.56%	32.77%	-90.19%	294.66%	109.46%	12.25%	16.32%
EBITDA+	274.87M	330.3M	361.03M	463.94M	586.94M	173.64M	319.8M	521.3M	565.5M	635M
EBITDA Margin %	15.51%	16.86%	16.03%	18.29%	21.34%	6.99%	10.68%	15.52%	15.33%	15.92%
EBITDA Growth %	19.41%	20.17%	9.3%	28.5%	26.51%	-70.42%	84.17%	63.01%	8.48%	12.29%
D&A (Non-Cash Add-back)	70.03M	80.53M	95.03M	106.02M	111.74M	127.02M	135.8M	135.9M	132.9M	131.8M
EBIT	204.84M	249.77M	300.05M	364.96M	475.19M	153.22M	222.6M	385.4M	432.6M	503.2M
Net Interest Income+	-22.64M	-26.64M	-30.13M	-36.25M	-34.27M	-35.56M	-37.6M	-35.5M	-40.4M	-56.7M
Interest Income	2.1M	1.7M	2.5M	1.3M	1.9M	1.1M	700K	2M	15.2M	23.8M
Interest Expense	24.9M	28.6M	32.4M	37.7M	36.1M	36.6M	38.3M	37.5M	55.6M	80.5M
Other Income/Expense	-63.75M	-16.88M	-9.66M	-63M	-41.39M	-38.45M	-48.33M	-62.74M	-32.2M	-54.3M
Pretax Income+	141.09M	232.89M	256.33M	294.92M	433.81M	8.17M	135.68M	322.6M	400.4M	448.9M
Pretax Margin %	7.96%	11.89%	11.38%	11.63%	15.77%	0.33%	4.53%	9.6%	10.86%	11.25%
Income Tax+	42.6M	58.8M	99.39M	62.78M	87.11M	11.47M	65.09M	91.85M	120.9M	142.6M
Effective Tax Rate %	70.02%	74.88%	61.21%	78.94%	79.94%	-41.6%	52.11%	71.61%	69.86%	68.17%
Net Income+	98.8M	174.4M	156.9M	232.8M	346.8M	-3.4M	70.7M	231M	279.7M	306M
Net Margin %	5.57%	8.9%	6.97%	9.18%	12.61%	-0.14%	2.36%	6.88%	7.58%	7.67%
Net Income Growth %	-2.76%	76.52%	-10.03%	48.37%	48.97%	-100.98%	2180.02%	226.73%	21.08%	9.4%
Net Income (Continuing)	98.49M	174.1M	156.94M	232.13M	346.69M	-3.3M	70.59M	230.7M	279.5M	306.3M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	1.37M	1.01M	960K	169K	68K	281K	43K	-200K	-200K	500K
EPS (Diluted)+	1.83	3.23	2.85	4.26	6.31	-0.06	1.32	4.41	5.50	6.45
EPS Growth %	-3.17%	76.5%	-11.76%	49.47%	48.12%	-101.02%	2146.51%	234.09%	24.72%	17.27%
EPS (Basic)	1.89	3.34	2.99	4.26	6.49	-0.06	1.35	4.70	5.86	6.82
Diluted Shares Outstanding	54.08M	54M	55.12M	54.63M	54.91M	52.66M	53.53M	53.46M	51.6M	48.08M
Basic Shares Outstanding	53.99M	54M	55.03M	54.63M	53.45M	52.66M	52.59M	50.18M	48.48M	44.9M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.13B	1.58B	1.89B	2.09B	2.92B	3.37B	3.31B	3.73B	4.16B	4.04B
Cash & Short-Term Investments	457.5M	727.7M	819.1M	1.05B	1.45B	1.83B	1.8B	1.65B	1.78B	1.92B
Cash Only	457.5M	727.7M	819.1M	1.05B	1.45B	1.83B	1.8B	1.65B	1.78B	1.92B
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	423.3M	502.99M	744.88M	202.51M	201.94M	117.52M	203.01M	270.8M	370.6M	284.9M
Days Sales Outstanding	87.18	93.74	120.71	29.14	26.8	17.28	24.74	29.43	36.68	26.06
Inventory	72.1M	78.1M	95.7M	-14K	0	0	0	0	0	0
Days Inventory Outstanding	24.33	24.27	25.76	-	-	-	-	-	-	-
Other Current Assets	82.35M	152.98M	117.95M	991.33M	1.05B	1.14B	1.11B	1.45B	2.01B	1.83B
Total Non-Current Assets+	1.06B	1.13B	1.25B	1.23B	1.74B	1.56B	1.44B	1.68B	1.73B	1.8B
Property, Plant & Equipment	157.4M	202.1M	268.3M	291.9M	737.52M	540.51M	506.88M	486.3M	474.7M	461.8M
Fixed Asset Turnover	11.26x	9.69x	8.40x	8.69x	3.73x	4.59x	5.91x	6.91x	7.77x	8.64x
Goodwill	685.18M	689.71M	717.39M	704.2M	743.82M	665.82M	641.61M	828.3M	847.5M	859.2M
Intangible Assets	167.97M	165.33M	150.54M	114.48M	257.59M	354.44M	287.37M	362.3M	167.6M	415.6M
Long-Term Investments	-33.92M	-44.08M	-54.97M	-57.15M	0	0	0	0	0	88.1M
Other Non-Current Assets	51.1M	70.8M	113.6M	123M	0	0	0	0	241.9M	-26.7M
Total Assets+	2.19B	2.71B	3.14B	3.32B	4.66B	4.93B	4.74B	5.4B	5.89B	5.83B
Asset Turnover	0.81x	0.72x	0.72x	0.76x	0.59x	0.50x	0.63x	0.62x	0.63x	0.68x
Asset Growth %	6.88%	23.41%	16.03%	5.77%	40.24%	5.78%	-3.7%	13.9%	9.08%	-1.02%
Total Current Liabilities+	903.9M	1.17B	1.41B	1.38B	1.63B	1.86B	1.85B	2.35B	2.7B	3.23B
Accounts Payable	456.16M	456.68M	494.84M	72.91M	81.74M	147.59M	193.53M	222.4M	241.2M	223.8M
Days Payables Outstanding	153.9	141.92	133.17	17.88	19.17	27.2	37.17	31.8	31.16	26.88
Short-Term Debt	12.06M	32.16M	41.29M	38.02M	6.09M	797K	821K	100K	150.3M	812.7M
Deferred Revenue (Current)	35.89M	44.2M	52M	59.29M	58.59M	73.36M	77.04M	65.4M	56.7M	56.4M
Other Current Liabilities	25.89M	63.77M	22.5M	951.56M	1.06B	1.21B	1.13B	1.49B	2.04B	1.58B
Current Ratio	1.25x	1.35x	1.34x	1.51x	1.79x	1.81x	1.79x	1.58x	1.54x	1.25x
Quick Ratio	1.17x	1.28x	1.27x	1.51x	1.79x	1.81x	1.79x	1.58x	1.54x	1.25x
Cash Conversion Cycle	-42.4	-23.91	13.29	-	-	-	-	-	-	-
Total Non-Current Liabilities+	462.8M	633.2M	532.8M	709.9M	1.44B	1.63B	1.64B	1.81B	1.94B	1.38B
Long-Term Debt	405.47M	561.66M	404.01M	589.78M	1.09B	1.44B	1.42B	1.61B	1.72B	1.13B
Capital Lease Obligations	4.15M	6.97M	9.75M	0	241.98M	106.5M	111.36M	102.7M	95.8M	87.4M
Deferred Tax Liabilities	33.9M	44.1M	55M	57.1M	56.07M	37.88M	46.51M	28.4M	47M	71.8M
Other Non-Current Liabilities	53.23M	64.58M	119.07M	120.14M	55.36M	43.4M	58.17M	65M	85.9M	85.7M
Total Liabilities	1.37B	1.81B	1.94B	2.09B	3.08B	3.48B	3.49B	4.16B	4.64B	4.61B
Total Debt+	423.7M	604.2M	460.5M	641.5M	1.47B	1.6B	1.59B	1.77B	2.01B	2.08B
Net Debt	-33.8M	-123.5M	-358.6M	-412.9M	20.55M	-227.58M	-215.34M	118.3M	234M	161.5M
Debt / Equity	0.51x	0.67x	0.38x	0.52x	0.93x	1.11x	1.27x	1.42x	1.61x	1.70x
Debt / EBITDA	1.54x	1.83x	1.28x	1.38x	2.51x	9.24x	4.97x	3.39x	3.56x	3.28x
Net Debt / EBITDA	-0.12x	-0.37x	-0.99x	-0.89x	0.04x	-1.31x	-0.67x	0.23x	0.41x	0.25x
Interest Coverage	8.23x	8.73x	8.21x	9.49x	13.16x	1.27x	4.80x	10.28x	7.78x	6.25x
Total Equity+	827.37M	901.51M	1.2B	1.23B	1.58B	1.45B	1.26B	1.24B	1.25B	1.23B
Equity Growth %	12.57%	8.96%	33.16%	2.72%	28.08%	-8.45%	-13.17%	-0.89%	0.43%	-1.64%
Book Value per Share	15.30	16.69	21.78	22.57	28.76	27.46	23.45	23.28	24.22	25.56
Total Shareholders' Equity	826M	900.5M	1.2B	1.23B	1.58B	1.45B	1.26B	1.24B	1.25B	1.23B
Common Stock	1.16M	1.17M	1.18M	1.2M	1.26M	1.27M	1.27M	1.3M	1.3M	1.3M
Retained Earnings	104.43M	278.84M	436.95M	669.8M	1.02B	1.01B	1.08B	1.35B	1.63B	1.93B
Treasury Stock	-138.75M	-215.46M	-217.16M	-391.55M	-463.7M	-703.03M	-931.21M	-1.11B	-1.49B	-1.76B
Accumulated OCI	-165.53M	-210.66M	-94.46M	-151.04M	-164.89M	-94.21M	-172.58M	-251M	-203.2M	-321.5M
Minority Interest	1.37M	1.01M	960K	169K	68K	281K	43K	-200K	-200K	500K

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	215.05M	391.52M	286.28M	397.23M	504.49M	253.5M	406.58M	748.29M	643.1M	732.8M
Operating CF Margin %	12.13%	19.99%	12.71%	15.66%	18.34%	10.21%	13.57%	22.28%	17.44%	18.37%
Operating CF Growth %	-8.5%	82.06%	-26.88%	38.76%	27%	-49.75%	60.38%	84.05%	-14.06%	13.95%
Net Income	98.81M	174.41M	156.84M	232.85M	346.69M	-3.4M	70.73M	230.99M	279.7M	306.3M
Depreciation & Amortization	70.03M	80.53M	95.03M	106.02M	111.74M	127.02M	135.75M	135.86M	132.9M	131.8M
Stock-Based Compensation	12.8M	14.98M	15.62M	16.76M	21.44M	21.95M	36.5M	44.1M	53.7M	43.9M
Deferred Taxes	-5.02M	850K	-10.86M	-43.26M	17.11M	-23.95M	-2.25M	7.88M	13.7M	18.5M
Other Non-Cash Items	46.22M	136.58M	34.4M	58.36M	24.22M	68.25M	273.29M	628.86M	-4.2M	23.2M
Working Capital Changes	-59.02M	-87.73M	-198.09M	26.5M	-16.72M	63.63M	-107.48M	-299.41M	167.3M	209.1M
Change in Receivables	-66.08M	-87.73M	-198.09M	26.5M	-87.88M	63.63M	-107.48M	-299.41M	-190.9M	269.8M
Change in Inventory	7.06M	-6.71M	-11.6M	0	0	-5.33M	-31.9M	-170.73M	0	0
Change in Payables	39.63M	9.71M	3.84M	45.56M	53.55M	88.69M	-33.22M	178.05M	53.6M	-53.9M
Cash from Investing+	-193.98M	-136.31M	-101.86M	-132.28M	-229.03M	-105.53M	-98.11M	-453.78M	-157.6M	-223.3M
Capital Expenditures	-74.62M	-87.41M	-97.23M	-112.48M	-131.29M	-97.63M	-92.21M	-104.26M	-94.4M	-117.2M
CapEx % of Revenue	4.21%	4.46%	4.32%	4.43%	4.77%	3.93%	3.08%	3.1%	2.56%	2.94%
Acquisitions	-113.97M	-68.27M	0	-12.85M	-94.19M	-1.1M	0	-342.95M	-1.3M	-91.6M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-119.36M	-48.9M	-4.62M	-19.8M	-3.55M	-6.8M	-5.9M	-6.57M	-61.9M	-14.5M
Cash from Financing+	-1.19M	79.51M	-161.15M	2.02M	416.3M	35.4M	-212.24M	-1.15M	-143.2M	-135.7M
Debt Issued (Net)	-7.33M	149.24M	-169.35M	170.48M	500.2M	265.24M	13M	172.6M	229.4M	120.3M
Equity Issued (Net)	1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-6.08M	-77.36M	-3.06M	-177.85M	-74.46M	-241.52M	-229.88M	-175.97M	-378.4M	-268.6M
Other Financing	1.71M	7.63M	281K	-9.21M	-24.43M	-6.43M	4.66M	2.25M	-2M	-4.6M
Net Change in Cash	-10.49M	354.57M	88.43M	230.43M	686.43M	282.13M	-13.41M	-95.24M	256.2M	241.2M
Free Cash Flow+	140.43M	304.11M	189.04M	284.75M	373.2M	155.88M	314.37M	644.03M	548.7M	615.6M
FCF Margin %	7.92%	15.53%	8.39%	11.23%	13.57%	6.28%	10.49%	19.17%	14.88%	15.43%
FCF Growth %	-18.32%	116.55%	-37.84%	50.63%	31.06%	-58.23%	101.68%	104.87%	-14.8%	12.19%
FCF per Share	2.60	5.63	3.43	5.21	6.80	2.96	5.87	12.05	10.63	12.80
FCF Conversion (FCF/Net Income)	2.18x	2.24x	1.82x	1.71x	1.45x	-74.58x	5.75x	3.24x	2.30x	2.39x
Interest Paid	11.8M	14.44M	20.46M	23.55M	13.13M	17.32M	18.5M	29.1M	53.2M	78.3M
Taxes Paid	54.61M	-43.18M	48.64M	-84.38M	74.09M	60.17M	48.7M	86.2M	94.5M	109M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.65%	20.18%	14.93%	19.13%	24.66%	-0.22%	5.23%	18.48%	22.43%	24.69%
Return on Invested Capital (ROIC)	20.67%	23.84%	24.63%	32.3%	29.45%	2.48%	12.22%	24.06%	22.8%	26.26%
Gross Margin	38.96%	40.03%	39.79%	41.32%	43.4%	20.21%	36.56%	24.01%	23.38%	23.82%
Net Margin	5.57%	8.9%	6.97%	9.18%	12.61%	-0.14%	2.36%	6.88%	7.58%	7.67%
Debt / Equity	0.51x	0.67x	0.38x	0.52x	0.93x	1.11x	1.27x	1.42x	1.61x	1.70x
Interest Coverage	8.23x	8.73x	8.21x	9.49x	13.16x	1.27x	4.80x	10.28x	7.78x	6.25x
FCF Conversion	2.18x	2.24x	1.82x	1.71x	1.45x	-74.58x	5.75x	3.24x	2.30x	2.39x
Revenue Growth	6.5%	10.51%	15%	12.62%	8.42%	-9.72%	20.65%	12.13%	9.8%	8.18%

Euronet Worldwide, Inc. (EEFT) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare EEFT vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Euronet Worldwide, Inc. (EEFT) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare EEFT vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios