Euronet Worldwide, Inc.

Finance
Investment Bankers/Brokers/Service
www.euronetworldwide.com

Earnings Score
Moat Score
Safety Score

Market Cap $4.73B
PE 15
Debt $1.95B
Cash $2.49B
EV $4.18B
FCF $615.60M

Earnings

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Sales & Net Margins

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Earnings	$306.00M
EBIT	$503.20M
ROE	25%
ROA	9%
FCF	$615.60M
Equity	$1.23B
Growth Stability	-1%
PE	15.44
PEG	0.49
PB	3.84
P/FCF	7.68
P/S	1.18
Price/Cash	0.53
Debt/Equity	1.58
Debt/FCF	3.16
Net Margins	8%
Op. Margins	13%
Earnings CAGR	4%
Sales Growth YoY	9%
Sales Growth QoQ	-5%
Sales CAGR	9%
FCF CAGR	17%
Equity CAGR	4%
Earnings Stability	0.04
Earnings Growth YoY	-35%
Earnings Growth QoQ	-70%

Earnings CAGR 5Y	31%
Sales CAGR 5Y	11%
FCF CAGR 5Y	31%
Equity CAGR 5Y	-2%
Earnings CAGR 3Y	10%
Sales CAGR 3Y	10%
FCF CAGR 3Y	22%
Equity CAGR 3Y	6%
Market Cap	$4.73B
Revenue	$3.99B
Assets	$5.83B
Total Debt	$1.95B
Cash	$2.49B
Shares Outstanding	44.87M
EV	4.18B
Earnings Score	6%
Moat Score	90%
Safety Score	56%
Final Score	51%
Working Capital	810.5M
Current Ratio	1.25
Shares Growth 3y	-5%
Equity Growth QoQ	-10%
Equity Growth YoY	-2%

Assets & ROA

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Stockholders Equity & ROE

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Euronet Worldwide is a provider of electronic financial transaction solutions. The company operates an independent network of ATMs in Europe, along with a network for prepaid products such as mobile top-ups, and processes point-of-sale transactions. Euronet Worldwide also offers global money transfers, payment services and software, and banking services, credit and debit card outsourcing services, and card issuing and merchant acquiring services. The largest segment by operating income, electronical financial transaction processing, primarily generates revenue from monthly ATM management fees and currency conversion transactions. The largest country by revenue is the United States of America.

SEC Filings

Direct access to Euronet Worldwide, Inc. (EEFT) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Euronet Worldwide, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Euronet Worldwide, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 4%

Stability 4%

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Euronet Worldwide, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Euronet Worldwide, Inc..

Years

Calculation mode

= $21B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$616M	$722M	$848M	$994M	$1.2B	$1.4B	$1.6B	$1.9B	$2.2B	$2.6B	$3B	$30B
DCF		$657M	$700M	$747M	$797M	$850M	$907M	$967M	$1B	$1.1B	$1.2B	$12B
Value	$21B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	6%	9%	7%	9%	13%	-0%	2%	7%	8%	8%	8%
ROA	-	9%	8%	11%	10%	1%	4%	7%	7%	9%	9%
ROE	-	19%	13%	19%	22%	-0%	6%	19%	22%	25%	25%

Net Margins (7.67%)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	2.14	2.32	2.23	2.99	9.34	4.56	2.52	3.4	3.16	3.16
Debt over Equity	0.52	0.67	0.38	0.51	0.71	1.01	1.14	1.3	1.49	1.58	1.58
Growth Stability	-	-	-	100%	100%	-1%	37%	100%	100%	100%	-1%

Neutral Debt/FCF ratio (3.16)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Bad Debt/Equity ratio (1.58)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (-1%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	11%	15%	13%	8%	-10%	21%	12%	10%	8%	11%
Earnings YoY growth	-	77%	-10%	48%	49%	-101%	-2K%	227%	21%	9%	31%
Equity YoY growth	-	9%	33%	3%	28%	-8%	-13%	-1%	0%	-2%	-2%
FCF YoY growth	-	100%	-31%	47%	31%	-58%	102%	105%	-15%	12%	31%