Euronet Worldwide, Inc. (EEFT)
Valuation Overview•Is Euronet Worldwide, Inc. Overvalued or Undervalued?
Trading at a discount across both intrinsic cash flow and relative peer multiples, indicating a strong margin of safety.
Moderate quality score of 63/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is highly bullish, projecting significant upside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, driven predominantly by aggressive share repurchases.
Returns capital exclusively via buybacks — no active dividend
EEFT demonstrates strong business quality with robust profitability and healthy margins (highlighted by a massive 25.0% ROIC). However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company demonstrates solid revenue growth (8.1% 3Y CAGR) paired with robust earnings compounding (15.8% EPS 3Y CAGR). Operating efficiency remains adequate with margins around 12.5%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $1.1B | +6.4% | +8.1% | +11.3% | +9.1% | |
| EBITDA | $138.9M | — | +8.6% | — | — | |
| Net Income | $51.5M | +1.1% | +10.2% | — | +12.1% | |
| EPS (Diluted) | $1.08 | +6.0% | +15.8% | — | +14.1% | |
| Free Cash Flow | $122.8M | -33.3% | -13.9% | +21.4% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 41.3% | 29.5% | 29.8% | 33.4% |
| Operating Margin | 12.5% | 12.3% | 10.9% | 11.2% |
| Net Margin | 7.3% | 7.5% | 6.4% | 6.9% |
| FCF Margin | 9.7% | 13.3% | 13.9% | 12.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.42 | $1.58 | +11.3% | ||
| Q1'26 | $2.48 | $2.39 | -3.6% | ||
| Q4'25 | $3.57 | $3.62 | +1.4% | ||
| Q3'25 | $2.66 | $2.56 | -3.8% | ||
| Q2'25 | $1.13 | $1.13 | +0.0% | ||
| Q1'25 | $2.02 | $2.08 | +3.0% | ||
| Q4'24 | $3.12 | $3.03 | -2.9% | ||
| Q3'24 | $2.26 | $2.25 | -0.4% |
Total return is -34.2% (1Y), lagging the benchmark by -59.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -11.1% | -20.5% | — |
| 1Y | -34.2% | -59.2% | — |
| 3YCAGR | -17.0% | -36.0% | — |
| 5YCAGR | -14.3% | -26.6% | — |
| 10YCAGR | -1.6% | -14.9% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Euronet Worldwide, Inc. (EEFT) valuation, health, and returns.
Euronet Worldwide, Inc. is estimated to be undervalued under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. undervalued (implying +248.5% upside to DCF intrinsic value of $229.47)
Euronet Worldwide, Inc. has multiple valuation anchors: DCF Intrinsic Value: $229.47 | Peer Relative Fair Value: $84.73 | Wall Street Analyst Target: $91.40 (implying +38.8% upside). A convergence of these signals offers higher conviction.
Euronet Worldwide, Inc. displays good financial health with a composite quality score of 63/100, supported by a Altman Z-Score of 1.5 (distress zone), Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 25.0%.
Euronet Worldwide, Inc. returns capital via buybacks instead of dividends, carrying a 26.7% buyback yield and reducing outstanding shares by -4.8% in the last 12 months.
Euronet Worldwide, Inc.'s current growth trajectory is Stable. The company achieved +6.4% 1Y revenue growth and +6.0% 1Y EPS growth, compared to its 3Y revenue CAGR of +8.1%.
Wall Street consensus is Buy based on 23 analysts, beating EPS expectations in 58% of recent quarters with a 1-quarter streak. The consensus price target represents a +38.8% change from current levels.
Investment risks for Euronet Worldwide, Inc. include: -40.4% 1-year max drawdown, elevated distress risk. Volatility risk is characterized by a beta of 0.99x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.