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Euronet Worldwide, Inc.
NASDAQ: EEFT Technology IT 🔎 Screen
$3.0B
Market Cap
11.1
P/E
0.54
PEG
23.1%
ROCE
24.5%
ROE
1.65
D/E
12.5%
OPM
-20.4%
% from 52W High
31
α RS
🔍 EEFT is showing a high-conviction setup because it matches 3 of 39 tracked screener presets, Sector RRG has Technology in the Leading quadrant with the trail still rolling over, and it's hugging the 21 EMA. Net: Broad signal stack, not a recommendation. ? Conviction RRG Technicals
Sources
Conviction 3/39 · Technology in Leading quadrant · hugging 21 EMA
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🌏 Global Investor Returns
Currency-adjusted total returns for EEFT including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers internationally. The company operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS dynamic currency conversion, domestic and international surcharge, foreign currency dispensing, advertising, digital content sales at ATMs, customer relationship management, prepaid mobile top-up, bill payment, money transfer, fraud management, foreign remittance payout, cardless payout, banknote recycling solutions, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services. The Money Transfer segment offers consumer-to-consumer money transfer services through a network of locations and its website riamoneytransfer.com; account-to-account money transfer; and money transfer services through its website xe.com, Xe app, and customer service representatives. It also provides foreign currency exchange information on its currency data websites xe.com and x-rates.com; cash management solutions and foreign currency risk management services to small-and-medium-sized businesses; and payment processing services to third-party partners. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. The company was founded in 1994 and is headquartered in Leawood, Kansas.

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📊 MIXED Euronet Q1 2026: Revenue $1B, adjusted EPS $1.58, 19% growth
Revenue & Profitability
Revenue was $1 billion, operating income $72 million, adjusted EBITDA $126 million, and adjusted EPS $1.58. Adjusted EPS increased 40% year-over-year as reported, or 19% excluding a $0.20 per share prior-year one-time tax charge. The company repurchased $100 million of shares in the quarter, providing a marginal $0.02 benefit to adjusted EPS. Constant currency revenue growth was 19% in EFT, 2% in Epay, and a 4% decline in Money Transfer.
Outlook
Management expects full-year 2026 adjusted EPS growth of 10%-15%, despite near-term headwinds. They view the current immigration-related pressure on U.S.-Mexico remittances and Middle East volatility as transitory. Regulatory trends across 15 European countries mandating ATM cash access are seen as favorable, supporting long-term pricing and network sustainability. The company benefits from a secular shift to digital and account-based payouts.
Growth Drivers
Key growth drivers include Ria digital transactions growing 35% year-over-year, new digital customer growth of 42%, and Dandelion posting its strongest quarter ever. EFT segment achieved double-digit constant currency revenue growth in Ren and merchant acquiring, driven by infrastructure deals in Austria, Poland, Paraguay, and Ecuador. Epay expanded digital content distribution with Revolut (22 countries), Apple (B2B), and Roblox (Japan), and launched alternative payment solutions like Amazon PayCode.
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
EFT operating margins were consistent year-over-year after adjusting for $5 million of non-cash purchase price amortization from the CoreCard acquisition. Epay operating income increased 13%, benefiting from the absence of a prior-year $4.5 million one-time operating tax impact. In Money Transfer, gross profit per transaction improved due to favorable mix toward account-based payouts and efficient network routing, though operating profit declined as expanded gross margins were reinvested in digital marketing. Management expects margin improvement to be more back-end loaded for the year.
Key Risks
Management highlighted headwinds from U.S. immigration policy (deportations and freeze on replacement immigration) and the 1% remittance excise tax on cash transactions, which pressured U.S.-Mexico transfers. The Middle East conflict introduced additional volatility in the money transfer segment. Currency fluctuations were noted as a factor, and management described the monthly operating environment as 'choppy,' cautioning against extrapolating early-quarter trends.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-30
Adjusted EPS grew 10% year-over-year, driven by strong digital accelerator performance, which now accounts for 26% of revenue and grew 35% year-to-date. Despite macro headwinds in cross-border payments and ATM activity, the outlook and full-year guidance remain unchanged, with continued investment in digital and share buybacks.
Q1 2026 Q1 2026 2026-04-29
Q1 2026 saw 19% adjusted EPS growth and strong digital momentum, with robust EFT and Epay results offsetting money transfer headwinds from U.S. immigration and Middle East volatility. Full-year adjusted EPS growth of 10%-15% is expected, supported by a strong balance sheet.
Q4 2025 Q4 2025 2026-02-12
Fourth quarter and full-year 2025 results showed resilience amid macroeconomic and immigration headwinds, with double-digit adjusted EPS growth and strong performance in EFT and digital channels. Strategic acquisitions and digital initiatives are set to drive 10%-15% EPS growth in 2026.
Q3 2025 Q3 2025 2025-10-23
Q3 2025 saw adjusted EPS rise 19% year-over-year, with solid operating margins despite revenue softness from macroeconomic and immigration headwinds. Digital initiatives, new partnerships, and strong capital management support confidence in 12%-16% annual EPS growth.
Q2 2025 Q2 2025 2025-07-31
Record Q2 results featured 14% adjusted EPS growth, strong money transfer performance, and a reaffirmed 12–16% 2025 earnings growth outlook. The CoreCard acquisition and a major U.S. bank REN deal accelerate digital strategy and future growth.
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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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