📊 EEFT Key Takeaways
Is Euronet Worldwide, Inc.. (EEFT) a Good Investment?
Euronet demonstrates solid fundamentals with strong revenue growth of 6.4% YoY and impressive cash generation, producing $434.3M in free cash flow with a robust 10.2% FCF margin. The company maintains excellent operational efficiency with a 12.5% operating margin and exceptional return on equity of 23.7%, while its strong interest coverage of 35.6x indicates low financial distress risk. However, modest net income decline of 1.1% YoY despite revenue growth warrants monitoring to ensure margin expansion resumes.
Euronet Worldwide shows solid underlying fundamentals with steady revenue growth, double-digit operating margins, strong free cash flow generation, and high returns on equity. Financial health appears sound given manageable leverage, over $1.0B in cash, and very strong interest coverage, although the slight decline in net income and only modest top-line growth suggest execution needs to remain disciplined. Overall, the business looks fundamentally healthy with good earnings and cash conversion quality.
Why Buy Euronet Worldwide, Inc.. Stock? EEFT Key Strengths
- Strong free cash flow generation of $434.3M with healthy 10.2% FCF margin relative to revenue
- Excellent return on equity of 23.7% and solid ROA of 4.8% demonstrate capital efficiency
- Conservative leverage with 0.79x debt-to-equity ratio and exceptional 35.6x interest coverage indicating low financial distress risk
- Steady revenue growth of 6.4% YoY in financial services sector
- Robust operating margin of 12.5% showing operational discipline
- Strong cash generation, with $559.8M in operating cash flow and $434.3M in free cash flow
- Healthy profitability profile, including 12.5% operating margin, 7.3% net margin, and 23.7% ROE
- Balance sheet risk appears manageable given $1.04B cash, 0.79x debt-to-equity, and 35.6x interest coverage
EEFT Stock Risks: Euronet Worldwide, Inc.. Investment Risks
- Net income declined 1.1% YoY despite 6.4% revenue growth, indicating margin compression or increased costs requiring investigation
- Modest liquidity with 1.11x current ratio leaves limited cushion for operational disruptions
- High asset base of $6.5B relative to equity of $1.3B suggests reliance on leverage and financial intermediation model susceptibility to regulatory changes
- Significant long-term debt of $1.0B requires continued strong cash flow generation to service
- Net income declined 1.1% year over year, indicating some pressure on bottom-line growth
- Liquidity is adequate but not especially strong, with a 1.11x current ratio and 1.08x quick ratio
- Revenue growth of 6.4% is respectable but not high, so future returns depend on margin stability and continued cash flow execution
Key Metrics to Watch
- Operating margin trend - monitor for stabilization or improvement from current 12.5%
- Net income growth trajectory - ensure return to positive YoY growth
- Free cash flow sustainability - track maintenance of $400M+ annual FCF generation
- Debt service coverage - maintain strong interest coverage above 30x
- Current ratio improvement - target movement toward 1.25x+ for enhanced liquidity
- Free cash flow margin and operating cash flow conversion
- Net income growth and operating margin stability
Euronet Worldwide, Inc.. (EEFT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Euronet Worldwide, Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
EEFT Profit Margin, ROE & Profitability Analysis
EEFT vs Finance Sector: How Euronet Worldwide, Inc.. Compares
How Euronet Worldwide, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Euronet Worldwide, Inc.. Stock Overvalued? EEFT Valuation Analysis 2026
Based on fundamental analysis, Euronet Worldwide, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Euronet Worldwide, Inc.. Balance Sheet: EEFT Debt, Cash & Liquidity
EEFT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Euronet Worldwide, Inc..'s revenue has grown significantly by 42% over the 5-year period, indicating strong business expansion. The most recent EPS of $5.50 reflects profitable operations.
EEFT Revenue Growth, EPS Growth & YoY Performance
EEFT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.1B | $122.0M | $2.75 |
| Q2 2025 | $986.2M | $83.1M | $1.73 |
| Q1 2025 | $857.0M | $26.2M | $0.55 |
| Q3 2024 | $1.0B | $104.2M | $2.05 |
| Q2 2024 | $939.1M | $83.1M | $1.65 |
| Q1 2024 | $787.2M | $20.1M | $0.39 |
| Q3 2023 | $931.3M | $97.8M | $1.87 |
| Q2 2023 | $843.3M | $57.3M | $1.08 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Euronet Worldwide, Inc.. Dividends, Buybacks & Capital Allocation
EEFT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Euronet Worldwide, Inc.. (CIK: 0001029199)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EEFT
What is the AI rating for EEFT?
Euronet Worldwide, Inc.. (EEFT) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are EEFT's key strengths?
Claude: Strong free cash flow generation of $434.3M with healthy 10.2% FCF margin relative to revenue. Excellent return on equity of 23.7% and solid ROA of 4.8% demonstrate capital efficiency. ChatGPT: Strong cash generation, with $559.8M in operating cash flow and $434.3M in free cash flow. Healthy profitability profile, including 12.5% operating margin, 7.3% net margin, and 23.7% ROE.
What are the risks of investing in EEFT?
Claude: Net income declined 1.1% YoY despite 6.4% revenue growth, indicating margin compression or increased costs requiring investigation. Modest liquidity with 1.11x current ratio leaves limited cushion for operational disruptions. ChatGPT: Net income declined 1.1% year over year, indicating some pressure on bottom-line growth. Liquidity is adequate but not especially strong, with a 1.11x current ratio and 1.08x quick ratio.
What is EEFT's revenue and growth?
Euronet Worldwide, Inc.. reported revenue of $4.2B.
Does EEFT pay dividends?
Euronet Worldwide, Inc.. does not currently pay dividends.
Where can I find EEFT SEC filings?
Official SEC filings for Euronet Worldwide, Inc.. (CIK: 0001029199) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EEFT's EPS?
Euronet Worldwide, Inc.. has a diluted EPS of $6.84.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is EEFT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Euronet Worldwide, Inc.. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is EEFT stock overvalued or undervalued?
Valuation metrics for EEFT: ROE of 23.7% (sector avg: 12%), net margin of 7.3% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy EEFT stock in 2026?
Our dual AI analysis gives Euronet Worldwide, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is EEFT's free cash flow?
Euronet Worldwide, Inc..'s operating cash flow is $559.8M, with capital expenditures of $125.5M. FCF margin is 10.2%.
How does EEFT compare to other Finance stocks?
Vs Finance sector averages: Net margin 7.3% (avg: 25%), ROE 23.7% (avg: 12%), current ratio 1.11 (avg: 1.2).