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Earnings transcript
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EEFT
Euronet Worldwide, Inc.
$65.68
-0.41
(-0.62%)
| Exchange: | NASDAQ |
| Market Cap: | 2.501B |
| Shares Outstanding: | 10.4M |
Delayed data
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Infrastructure | |||||
| CEO: | Michael J. Brown | |||||
| Full Time Employees: | 10600 | |||||
| Address: |
| |||||
| Website: | https://www.euronetworldwide.com |
Euronet Worldwide, Inc. delivers a comprehensive suite of payment and transaction processing and distribution services globally. Their clientele spans financial institutions, agents, retailers, merchants, content providers, and individual consumers. The company operates through three core divisions: Electronic Fund Transfer (EFT) Processing: This segment offers electronic payment solutions including ATM cash withdrawal and deposit facilities, network participation for ATMs, outsourced management of ATMs and point-of-sale (POS) systems, and services related to credit and debit cards such as outsourcing, issuing, and merchant acquiring. Additional offerings encompass ATM and POS currency conversion, surcharge options, advertising, customer relationship management, mobile top-ups, bill payment, fraud prevention, international money remittance, cardless payouts, banknote recycling, and tax-refund services. It also provides integrated financial transaction software and distributes non-cash products, supported by a network of 42,713 ATMs and roughly 438,000 POS terminals. epay: Focusing on prepaid products, this division manages the distribution and processing of prepaid mobile airtime and other electronic payment solutions. It also handles payment processing for various prepaid products, cards, services, vouchers, physical gift fulfillment, and gift card distribution and processing. This network extends across approximately 775,000 POS terminals. Money Transfer: This segment facilitates diverse money movement services, including direct consumer-to-consumer and account-to-account transfers, customer bill payment, check cashing, and foreign currency exchange. They also provide mobile top-up services, cash management, foreign currency risk management, and alternative payment solutions like money orders and prepaid debit cards. This division benefits from an extensive network of approximately 510,000 money transfer locations. Established in 1994 as Euronet Services, Inc., the company adopted its current name, Euronet Worldwide, Inc., in August 2001 and maintains its headquarters in Leawood, Kansas.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,688,000 | 3,989,800 | 4,244,200 |
| Gross Profit | 862,300 | 950,300 | 1,753,600 |
| EBITDA | 565,500 | 635,000 | 671,200 |
| Operating Income | 432,600 | 503,200 | 530,000 |
| Net Income | 279,700 | 306,000 | 309,500 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 5,894,400 | 5,834,500 | 6,488,700 |
| Total Liabilities | 4,644,700 | 4,605,300 | 5,166,200 |
| Total Stockholders Equity | 1,249,900 | 1,228,700 | 1,322,500 |
| Total Debt | 2,013,400 | 2,084,100 | 2,177,300 |
| Cash and Cash Equivalents | 1,779,400 | 1,922,600 | 1,040,300 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 643,100 | 732,800 | 0 |
| Capital Expenditure | -94,400 | -117,200 | 0 |
| Free Cash Flow | 548,700 | 615,600 | 0 |
| Net Income | 279,700 | 306,300 | 309,500 |
| Net Change in Cash | 256,200 | 241,200 | -2,488,200 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 5,968,900.853 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 6,063,742.024 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 6,008,084 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,174,952.710 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,193,621.790 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,182,665.745 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 814,379.903 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 831,234.842 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 821,343.467 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 890,624.638 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 904,775.968 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 896,471.188 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 17.940 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 18.160 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 17.790 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Euronet Worldwide reported record second-quarter financial results in Q2 2025, as highlighted in the earnings call transcript. Key metrics such as revenue, EBITDA, and net income likely reflect strong growth, supported by consistent operating cash flow and free cash flow trends from historical cash flow statements, indicating operational efficiency.
- Strategic Growth Initiatives: The company is leveraging strategic acquisitions and digital transformation, as noted in the Q2 2025 earnings call summary, positioning EEFT to capitalize on emerging market demands and enhance its competitive edge in the financial technology space.
- Strong Market Position: With a solid market capitalization and a presence in the financial services sector (per company profile data), EEFT benefits from a diversified revenue stream across product and geographic segments, as evidenced by revenue product and geo segment data, reducing reliance on any single market.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates EEFT intrinsic value between $155.97 – $188.39 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about EEFT valuation
Is Euronet Worldwide, Inc. (EEFT) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Euronet Worldwide, Inc. (EEFT) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is EEFT a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EEFT trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is EEFT’s P/E ratio?
You can see EEFT’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for EEFT?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is EEFT a good long-term investment?
Whether EEFT fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
EEFT
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Daily snapshot
-0.62
Trading Metrics:
| Open: | 66.13 | Previous Close: | 66.09 | |
| Day Low: | 65.15 | Day High: | 67.67 | |
| Year Low: | 63.73 | Year High: | 114.25 | |
| Price Avg 50: | 70.29 | Price Avg 200: | 76.1 | |
| Volume: | 483265 | Average Volume: | 687339 |
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Login — it's freeEEFT full analysis
Welcome to MARKETSNAP’s SWOT analysis for Euronet Worldwide, also known by its ticker EEFT. If you’re not entirely familiar with this name, let me give you the quick rundown. Euronet Worldwide operates in the financial technology and payments sector, focusing on electronic payment processing, money transfers, and ATM networks across the globe. They’re a key player in facilitating transactions for consumers, businesses, and even governments, with a strong presence in regions like Europe, Asia-Pacific, and the Americas. With thousands of…
