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Euronet Worldwide Inc (EEFT) Stock

Euronet Worldwide Inc Stock Details, Movements and Public Alerts

Euronet Worldwide Inc (EEFT): The Hidden ATM and Payment Giant Powering Global Cash

Under CEO Michael Brown's 30-year leadership, Euronet has built a global payments empire: 43,000 ATMs across Europe and emerging markets, Ria Money Transfer (150,000 locations processing $50B+ annually), and epay digital distribution networks. While fintech unicorns chase digital wallet disruption, Brown's focus on cash-dependent emerging markets generates steady cash flow from billions of ATM withdrawals and remittance transfers. The investment thesis is counterintuitive: as developing nations modernize financially, Euronet's infrastructure becomes more valuable, not less. Cash usage may decline in developed markets, but 80% of global transactions remain cash-based. Trading at reasonable valuations with strong FCF generation, EEFT offers exposure to secular trends in financial inclusion, remittances, and digital commerce—all while Wall Street overlooks it as "yesterday's payment technology."

52-Week Range

$114.25 - $68.56

-32.78% from high · +12.02% from low

Avg Daily Volume

466,671

100-day average

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

11.46

Below market average

Forward P/E

7.06

Earnings expected to grow

PEG Ratio

0.56

Potentially undervalued

Price to Book

2.61

EV/EBITDA

5.68

EPS (TTM)

$6.84

Price to Sales

0.79

Beta

0.86

Less volatile than market

How is EEFT valued relative to its earnings and growth?
Euronet Worldwide Inc trades at a P/E ratio of 11.46, which is below the market average of approximately 20. This lower valuation could indicate the market has modest growth expectations, or it might represent an undervalued opportunity if the fundamentals are strong. Looking ahead, the forward P/E of 7.06 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 0.56 suggests the stock may be undervalued relative to its growth rate.
What is EEFT's risk profile compared to the market?
With a beta of 0.86, Euronet Worldwide Inc is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 2.61 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

7.25%

Operating Margin

17.00%

EBITDA

$689.30M

Return on Equity

23.20%

Return on Assets

5.53%

Revenue Growth (YoY)

4.20%

Earnings Growth (YoY)

-14.50%

How profitable and efficient is EEFT's business model?
Euronet Worldwide Inc achieves a profit margin of 7.25%, meaning it retains $7.25 from every $100 in revenue after all expenses. This relatively low margin suggests the company operates in a competitive environment or high-cost industry where profitability is challenging. The operating margin of 17.00% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 23.20% and ROA at 5.53%, the company generates strong returns on invested capital.
What are EEFT's recent growth trends?
Euronet Worldwide Inc's revenue grew by 4.20% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings decreased by 14.50% year-over-year, reflecting the bottom-line impact of business performance. These growth metrics should be evaluated against SOFTWARE - INFRASTRUCTURE industry averages for proper context.

Company Size & Market

Market Cap

$3.3B

Revenue (TTM)

$4.18B

Revenue/Share (TTM)

$98.27

Shares Outstanding

42.04M

Book Value/Share

$31.83

Asset Type

Common Stock

What is EEFT's market capitalization and position?
Euronet Worldwide Inc has a market capitalization of $3.3B, classifying it as a mid-cap stock ($2B-$10B). Mid-caps often represent companies in their growth phase, offering higher growth potential than large-caps but with more stability than small-caps. They can be attractive takeover targets and may become tomorrow's large-caps. With 42.04M shares outstanding, the company's ownership is relatively concentrated. As a participant in the SOFTWARE - INFRASTRUCTURE industry, it competes with other firms in this sector.
How does EEFT's price compare to its book value?
Euronet Worldwide Inc's book value per share is $31.83, while the current stock price is $76.80, resulting in a price-to-book (P/B) ratio of 2.41. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$116.00

51.04% upside potential

Analyst Recommendations

Strong Buy

1

Buy

6

Hold

2

Sell

0

Strong Sell

0

How reliable are analyst predictions for EEFT?
9 analysts cover EEFT with 78% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The strong bullish consensus may already be priced in. The consensus target of $116.00 implies 51.0% upside, but targets are often adjusted to follow price moves rather than predict them.
What is the Wall Street consensus on EEFT?
Current analyst recommendations:1 Strong Buy, 6 Buy, 2 Hold, 00The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Dec 13, 2025, 08:24 AM

Technical Indicators

RSI (14-day)

42.98

Neutral

50-Day Moving Average

$106.53

-27.91% below MA-50

200-Day Moving Average

$102.26

-24.90% below MA-200

MACD Line

-0.38

MACD Signal

-0.46

MACD Histogram

0.08

Bullish

What does EEFT's RSI value tell investors?
The RSI (Relative Strength Index) for EEFT is currently 42.98, indicating the stock is in neutral territory (40-60 range). Neither buyers nor sellers have clear control, suggesting consolidation or balanced market forces. Combined with the price being below the 50-day moving average, this confirms bearish conditions.
How should traders interpret EEFT's MACD and moving average crossovers?
MACD analysis shows the MACD line at -0.38 above the signal line at -0.46, with histogram at 0.08. This bullish crossover suggests upward momentum is building. The narrow histogram suggests a potential trend change ahead. The 50-day MA ($106.53) is above the 200-day MA ($102.26), forming a golden cross pattern that typically signals a long-term uptrend. Price is currently below both MAs, confirming weakness.

Indicators last updated: Jul 15, 2025, 12:34 AM

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Euronet Worldwide Inc (EEFT) Stock Analysis 2025: Complete Investment Guide

The Cash Infrastructure Nobody Sees

Every time a tourist withdraws euros from an independent ATM in Rome, Euronet likely processed that transaction. When a Mexican immigrant sends money home via Ria Money Transfer, Euronet facilitates that remittance. When a European buys mobile phone credit at a convenience store, Euronet's epay network enables the transaction. Michael Brown, CEO since Euronet's founding in 1994, has built a payments infrastructure empire that operates invisibly—powering global cash access, cross-border transfers, and digital commerce behind the scenes.

The market misunderstands Euronet's positioning. Yes, digital payments are growing. But 80% of global transactions remain cash-based, and emerging markets—where Euronet concentrates operations—lag developed nations in digital adoption by decades. Euronet's ATM network in Poland, India, and China serves populations transitioning from informal cash economies to formal financial systems. This infrastructure becomes more valuable, not less, as financial inclusion expands. For investors seeking exposure to payments without overpaying for Visa/Mastercard, Euronet offers compelling value at a fraction of the valuation.

Business Model & Competitive Moat

Euronet operates three segments: EFT Processing (58% of revenue) runs ATM networks and payment processing; epay (25%) distributes digital content (mobile top-ups, gift cards, gaming vouchers); Money Transfer (17%) operates Ria and Xe brands for remittances and currency exchange. Revenue comes from per-transaction fees—Euronet earns $2-3 per ATM withdrawal, $15-20 per money transfer, and commissions on digital distribution.

The competitive moat derives from network density and switching costs. Deploying 43,000 ATMs requires massive capital, regulatory approvals, and site relationships competitors cannot easily replicate. Ria's 150,000 agent locations create network effects—senders choose services with the most payout locations, and agents join networks with the most customers. In digital distribution, epay's POS terminals installed at retailers create lock-in—merchants won't switch providers to save small percentages. Michael Brown's 30 years building these networks creates first-mover advantages and scale efficiencies new entrants cannot match.

Financial Performance

  • •Transaction Growth: 2B+ annual transactions growing mid-single-digits as emerging markets expand
  • •FCF Generation: Strong free cash flow supports network expansion and M&A
  • •Revenue Mix: Diversified across ATM (58%), epay (25%), and money transfer (17%) reduces dependence
  • •Geographic Expansion: Emerging market focus (India, China, Latin America) drives long-term growth
  • •M&A Track Record: Successful integrations of Ria, Xe, and regional ATM operators
  • •Capital Allocation: Balance of organic growth capex, acquisitions, and opportunistic buybacks

Growth Catalysts

  • •Financial Inclusion: 1.4B unbanked adults globally create long-term demand for ATM access and remittance services
  • •Remittance Growth: $700B+ global remittance market growing 5-7% annually as migration increases
  • •India Expansion: India ATM network scaling, targeting 10,000+ machines serving 1.4B population
  • •Digital Distribution: Gaming, crypto, and digital goods distribution through epay network
  • •Cross-Border Commerce: E-commerce growth drives demand for Xe currency exchange services
  • •M&A Opportunities: Fragmented regional ATM operators and payment networks consolidation targets

Risks & Challenges

  • •Digital Payment Disruption: Mobile wallets and digital payments reduce cash usage in developed markets
  • •Regulatory Changes: ATM fee caps or money transfer regulations compress margins
  • •Foreign Exchange Volatility: Emerging market currency fluctuations impact earnings translation
  • •Competitive Intensity: Banks deploying own ATMs or fintech players undercutting money transfer fees
  • •Execution Risk: Complex international operations require flawless execution across 200+ countries
  • •Cryptocurrency Threat: Crypto remittances could disintermediate traditional money transfer

Competitive Landscape

Euronet competes with banks (ATMs), Western Union/MoneyGram (remittances), and PayPal/Wise (digital payments). In ATMs, Euronet's independent operator model serves locations banks won't (tourist areas, convenience stores, casinos). In money transfers, Ria competes on agent density and pricing versus Western Union's brand. In digital distribution, epay faces competition from direct carrier billing and digital wallets, but maintains relationships through POS terminal installations.

Michael Brown's strategy focuses on underserved markets and niches: emerging market ATMs (banks lack infrastructure), agent-based remittances (cash-in/cash-out remains preferred in developing nations), and digital distribution (retailers need single-platform access). This positioning avoids direct competition with Visa/Mastercard networks or major banks, instead capturing volume others ignore. The approach generates solid returns without premium valuations—exactly what value investors seek.

Who Is This Stock Suitable For?

Perfect For

  • ✓Value investors seeking payments exposure without Visa/Mastercard premium valuations
  • ✓Emerging market bulls betting on financial inclusion and middle-class growth
  • ✓Contrarian investors comfortable with "unloved" industries (cash, ATMs)
  • ✓Long-term holders (5+ years) focused on FCF generation over narrative appeal

Less Suitable For

  • ✗Growth investors wanting high revenue growth (Euronet grows mid-single-digits)
  • ✗ESG-focused investors (ATM/cash operations don't fit sustainability narratives)
  • ✗Risk-averse investors uncomfortable with emerging market exposure
  • ✗Short-term traders (EEFT exhibits low volatility and limited catalysts)

Investment Thesis

Euronet offers contrarian exposure to payments infrastructure the market undervalues. While fintech narratives command 30-50x earnings multiples, Euronet trades at reasonable valuations despite solid fundamentals: 43,000 ATM network with high barriers to entry, Ria's $50B+ remittance volume growing with global migration, and strong FCF generation supporting M&A and buybacks. Michael Brown's 30-year track record demonstrates execution competence rare in payments.

The secular trends are undeniable: 1.4 billion unbanked adults need financial access, $700B+ annual remittances growing with migration, and emerging market consumers transitioning from cash to digital (a multi-decade process requiring Euronet's infrastructure). For investors seeking value in payments without overpaying for Visa/Mastercard, Euronet offers compelling risk-reward—a cash-generative business with defensible market positions, trading at a discount to intrinsic value as the market overlooks "boring" ATM and remittance infrastructure.

Conclusion

Euronet is a BUY for value investors seeking payments exposure without premium valuations. The combination of defensible ATM/remittance infrastructure, emerging market positioning, and FCF generation creates asymmetric risk-reward at current prices. While digital payment growth poses long-term threats, cash remains dominant in Euronet's core markets for decades to come. Michael Brown's track record and disciplined M&A provide confidence in execution. For investors comfortable with contrarian positions and willing to look past fintech hype, Euronet offers compelling value—a quality payments business trading like a declining industry when fundamentals suggest durable cash flow generation in underserved markets globally.
Bull Case
$135 (30% upside) - Emerging market acceleration, M&A creates value, remittance growth
Base Case
$115 (10% upside) - Steady execution, transaction growth continues, FCF supports buybacks
Bear Case
$85 (18% downside) - Digital disruption accelerates, regulatory headwinds, emerging market volatility

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