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Euronet Worldwide, Inc. (EEFT) stock

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NASDAQ: EEFT Nasdaq Transaction & Payment Processing Services Next results ~February 11, 2027

C Fundamentals grade

Euronet Worldwide, Inc. is a US-listed company in the transaction & payment processing services industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$110

Valuation models combined (3)

Base case. Range ~$77–$120. Weighted average of 3 models (forward price-to-earnings vs peers, residual income, justified price-to-book), the forward price-to-earnings vs peers counting double.

Price vs value

Undervalued

The price is below our entire value range; our base value is 61% above it.

Price used: $66.16, November 2, 2026

Euronet Worldwide, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders1 buying, 1 selling2 purchases and 1 sale by directors and officers, last 12 monthsInsider trades
  • Funds165 adding, 193 cuttingOf 55 active managers that changed their stake, 30 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Euronet Worldwide files

Where Euronet Worldwide stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $4.37bn, up 5.8% on a year earlier, slower than 7.2% a quarter earlier. Our valuation models combined value is $70.44 a share, against a share price of $66.69.

Source: 10-Q filed August 4, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~February 11, 2027 (estimated)

Euronet Worldwide, Inc.'s trailing-twelve-month revenue grew 5.8% year on year, with a free-cash-flow margin of 6.1%.

Current signal Free cash flow diverging from earnings: TTM free cash flow fell 54.2% while net income fell 13.3%: a 41pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Priced below our value. The share price of $66.16 is 61% below our value per share of $110.

Things to watch

  • Below peers: change in share count. Change in share count of 1.8% ranks 20 of 26 transaction & payment processing services companies we cover (median -1.7%).
  • Heavily shorted. 16.2% of the shares available to trade are sold short (8.2 days of average volume to cover).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 3 of the last four quarters.

Latest results: FY2026 Q2

Filed August 4, 2026
Earnings per share
$3.55 against an average estimate of $3.69: missed by 3.8%
Revenue
$1.11bn, up 3.2% on a year earlier
Share reaction
-4.4% in the first session after the results on October 27, 2026, against +0.9% for the S&P 500
Guidance given
revenue $4.38bn (2026); adjusted EBITDA $725m (2026)
Next report
October 27, 2026; average EPS estimate $2.62

Euronet Worldwide's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+4.8%
  • 1 week+3.5%
  • 1 month+4.2%
  • This year-13.1%
  • 1 year-12.8%
  • 5 years-42.5%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$4.4B
Operating margin
11.5%
Net margin
6.6%
EPS (TTM, diluted)
$6.17

Growth

Revenue growth
+5.8%
Change in growth rate
−1.5 pts
Share count change
+1.8%

Earnings

Last results
October 27, 2026
Next results (est.)
February 11, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Guidance
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Euronet Worldwide, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Buy12-month view
12-month price target
~$110
Price used
$65.58close November 3, 2026
Implied change
▲ +63%
Uncertainty
Low

How we got here: the combined value of 3 valuation models built for a business like Euronet Worldwide, Inc. (see the models table below and how they are combined) , with a 9.12% cost of equity. The models span ~$77–~$120; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Euronet Worldwide, Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 9.1%: the 10-year Treasury yield (4.9%) plus a beta of 0.93 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$120 ~$95–$200 Primary model, counts double
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$110 ~$73–$160 Included
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$77 ~$66–$92 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$1.3 ~$21–$110 Left out: out of range vs price (0.02x)
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (forward price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$110 ~$77–$120 3 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Euronet Worldwide, Inc. with asset managers, brokers and exchanges in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

59 /100

Moderate moat

How hard Euronet Worldwide's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 5 / 20

    Net income has been a median 4.6% of total assets over 10 years.

  • Pricing power 14 / 20

    Gross margin has been a median 38.9%, moving by 2.1 percentage points (standard deviation) across 10 years.

  • Durability 10 / 20

    Operating margin has been a median 12.0%; its worst year was 5.7%.

  • Cash conversion 16 / 20

    Free cash flow was positive in 10 of 10 years, at a median 11.4% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 11.1% over five years; stock-based pay has been a median 1.1% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (64 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $10.55 +10% $4.4bn +3%
Next $11.63 +10% $4.5bn +4%

Next year's EPS estimate has moved −4.3% in 90 days, across 9 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −3.4% on 90 days ago. In the last 30 days, 0 analysts raised Euronet Worldwide, Inc.'s forecast and 1 cut it.

Consensus EPS forecast Euronet Worldwide, Inc., last 90 days
$10.50 $11.00 $11.50 $12.00 $12.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $10.92 Current fiscal year, 60 days ago: $10.73 Current fiscal year, 30 days ago: $10.73 Current fiscal year, 7 days ago: $10.65 Current fiscal year, Now: $10.55 $10.55 Next fiscal year, 90 days ago: $12.16 Next fiscal year, 60 days ago: $11.94 Next fiscal year, 30 days ago: $11.94 Next fiscal year, 7 days ago: $11.81 Next fiscal year, Now: $11.63 $11.63

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $10.92$12.16
60 days ago $10.73$11.94
30 days ago $10.73$11.94
7 days ago $10.65$11.81
Now $10.55$11.63

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $3.69 $3.55 −3.8%
Jun 2026 $2.94 $2.82 −4.0%
Mar 2026 $1.46 $1.58 +8.6%
Dec 2025 $2.46 $2.39 −3.0%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 27, 2026
  • revenue 2026 about $4.375bn Lowered
    “The Company is revising its 2026 outlook previously provided at its Investor Day in May to approximately $4.375 billion of revenue, approximately $725 million of Adjusted EBITDA and adjusted earnings per share growth of approximately 10% year-over-year.” source
  • adjusted earnings per share growth 2026 about 10% growth Non-GAAP Lowered
    “The Company is revising its 2026 outlook previously provided at its Investor Day in May to approximately $4.375 billion of revenue, approximately $725 million of Adjusted EBITDA and adjusted earnings per share growth of approximately 10% year-over-year.” source
  • Adjusted EBITDA 2026 about $725m Non-GAAP Lowered
    “The Company is revising its 2026 outlook previously provided at its Investor Day in May to approximately $4.375 billion of revenue, approximately $725 million of Adjusted EBITDA and adjusted earnings per share growth of approximately 10% year-over-year.” source

Figures and quotations are management's, copied from the company's own press release (SEC 8-K exhibit) and checked word for word against it. Forward-looking statements are the company's expectations, not ours and not advice; guidance can change or be missed.

Analyst recommendations

9 analysts, Oct 2026
Buy556%
Hold333%
Sell111%

Monthly trend

  1. Oct 202614319
  2. Sep 202614218
  3. Aug 202614218

Counts of recommendations published by analysts covering Euronet Worldwide, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
16.3%
of tradable shares
Days to cover
8.16
at average volume
Short interest, 1 month
+11%
to October 15, 2026
Held by institutions
—
of shares
Held by insiders
7.2%
of shares
Employees
10,800
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months −12.8%

$75.86 on October 31, 2025 to $66.16

ThenNowEffect
Revenue (last 12 months) $4.1bn $4.4bn +5.8%
Net margin 8.0% 6.6% −18.0%
P/E multiple 10.5x 10.7x +2.4%
Share count 46m 47m −1.7%

Biggest factor: net margin.

Last 3 years −18.2%

$80.86 on November 3, 2023 to $66.16

ThenNowEffect
Revenue (last 12 months) $3.5bn $4.4bn +24.2%
Net margin 7.7% 6.6% −14.5%
P/E multiple 15.9x 10.7x −32.7%
Share count 54m 47m +14.5%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
EEFT−18%−21%+8%+1%−26%−13%
Industry peers (median)−19%−35%+6%+13%−23%+9%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
EEFT42%42%50%42%33%46%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
EEFT−38%−50%−39%−21%−38%−30%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 65% from July 10, 2019 to October 27, 2026. Getting back needed a 188% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$59.01 – $83.67
From 52-week high
−20.9%
vs 50-day average
−0.6%
vs 200-day average
−6.0%
Volatility (1 year)
37%
Beta vs S&P 500
0.66

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
3 up, 9 down
typical move ±5.0%
After a week
5 up, 6 down
typical move ±7.0%
After a month
6 up, 5 down
typical move ±8.5%
Results releasedNext dayS&P 500 next day5 days21 days
October 27, 2026 −4.4% +0.9% — —
July 30, 2026 −14.7% +2.4% −12.7% −16.4%
April 29, 2026 −4.4% +1.0% −8.0% −4.3%
February 12, 2026 −3.2% −1.5% +3.3% +0.9%
October 23, 2025 −7.2% +1.4% −14.8% −17.3%
July 31, 2025 −5.2% −2.0% −7.8% −5.9%
April 24, 2025 −0.7% +2.8% +1.3% +7.8%
February 13, 2025 +10.8% +1.1% +7.4% +11.3%
October 24, 2024 +1.4% +0.2% −0.6% +6.5%
July 19, 2024 −2.3% +0.4% −5.0% −1.7%
May 1, 2024 +4.3% +0.6% +9.7% +13.5%
February 7, 2024 −1.8% +0.9% +6.5% +8.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Euronet Worldwide, Inc.’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: fundamentals grade C (needs B+ or better).

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: the shares trade below our fair value: a collar caps upside the model expects.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Euronet Worldwide, Inc. in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Euronet Worldwide, Inc.
$3.4B $3.6B $3.8B $4B $4.2B $4.4B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $3.6B Revenue (TTM), FY23 Q4: $3.7B Revenue (TTM), FY24 Q1: $3.8B Revenue (TTM), FY24 Q2: $3.8B Revenue (TTM), FY24 Q3: $3.9B Revenue (TTM), FY24 Q4: $4B Revenue (TTM), FY25 Q1: $4B Revenue (TTM), FY25 Q2: $4.1B Revenue (TTM), FY25 Q3: $4.2B Revenue (TTM), FY25 Q4: $4.2B Revenue (TTM), FY26 Q1: $4.3B Revenue (TTM), FY26 Q2: $4.4B $4.4B

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $3.6B
FY23 Q4 $3.7B
FY24 Q1 $3.8B
FY24 Q2 $3.8B
FY24 Q3 $3.9B
FY24 Q4 $4B
FY25 Q1 $4B
FY25 Q2 $4.1B
FY25 Q3 $4.2B
FY25 Q4 $4.2B
FY26 Q1 $4.3B
FY26 Q2 $4.4B
Revenue growth, TTM YoY Euronet Worldwide, Inc.
4% 6% 8% 10% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 8.8% Revenue growth, TTM YoY, FY23 Q4: 9.8% Revenue growth, TTM YoY, FY24 Q1: 9.6% Revenue growth, TTM YoY, FY24 Q2: 8.0% Revenue growth, TTM YoY, FY24 Q3: 8.5% Revenue growth, TTM YoY, FY24 Q4: 8.2% Revenue growth, TTM YoY, FY25 Q1: 7.7% Revenue growth, TTM YoY, FY25 Q2: 8.7% Revenue growth, TTM YoY, FY25 Q3: 7.2% Revenue growth, TTM YoY, FY25 Q4: 6.4% Revenue growth, TTM YoY, FY26 Q1: 7.2% Revenue growth, TTM YoY, FY26 Q2: 5.8% 5.8%

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 8.8%
FY23 Q4 9.8%
FY24 Q1 9.6%
FY24 Q2 8.0%
FY24 Q3 8.5%
FY24 Q4 8.2%
FY25 Q1 7.7%
FY25 Q2 8.7%
FY25 Q3 7.2%
FY25 Q4 6.4%
FY26 Q1 7.2%
FY26 Q2 5.8%
Operating margin (TTM) Euronet Worldwide, Inc.
11.5% 12% 12.5% 13% 13.5% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Operating margin (TTM), FY23 Q3: 11.5% Operating margin (TTM), FY23 Q4: 11.7% Operating margin (TTM), FY24 Q1: 12.0% Operating margin (TTM), FY24 Q2: 12.2% Operating margin (TTM), FY24 Q3: 12.3% Operating margin (TTM), FY24 Q4: 12.6% Operating margin (TTM), FY25 Q1: 12.7% Operating margin (TTM), FY25 Q2: 13.0% Operating margin (TTM), FY25 Q3: 13.2% Operating margin (TTM), FY25 Q4: 12.5% Operating margin (TTM), FY26 Q1: 12.1% Operating margin (TTM), FY26 Q2: 11.5% 11.5%

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q3 11.5%
FY23 Q4 11.7%
FY24 Q1 12.0%
FY24 Q2 12.2%
FY24 Q3 12.3%
FY24 Q4 12.6%
FY25 Q1 12.7%
FY25 Q2 13.0%
FY25 Q3 13.2%
FY25 Q4 12.5%
FY26 Q1 12.1%
FY26 Q2 11.5%
FCF margin (TTM) Euronet Worldwide, Inc.
0% 5% 10% 15% 20% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: 19.8% FCF margin (TTM), FY23 Q4: 14.9% FCF margin (TTM), FY24 Q1: 15.2% FCF margin (TTM), FY24 Q2: 13.8% FCF margin (TTM), FY24 Q3: 17.4% FCF margin (TTM), FY24 Q4: 15.4% FCF margin (TTM), FY25 Q1: 14.5% FCF margin (TTM), FY25 Q2: 14.2% FCF margin (TTM), FY25 Q3: 8.0% FCF margin (TTM), FY25 Q4: 10.2% FCF margin (TTM), FY26 Q1: 7.0% FCF margin (TTM), FY26 Q2: 6.1% 6.1%

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 19.8%
FY23 Q4 14.9%
FY24 Q1 15.2%
FY24 Q2 13.8%
FY24 Q3 17.4%
FY24 Q4 15.4%
FY25 Q1 14.5%
FY25 Q2 14.2%
FY25 Q3 8.0%
FY25 Q4 10.2%
FY26 Q1 7.0%
FY26 Q2 6.1%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 1,033 1,038 1,161 1,268 1,413 1,664 1,772 1,959 2,252 2,537 2,750 2,483 2,996 3,359 3,688 3,990 4,244 4,375
Gross profit 354 363 421 456 520 631 690 784 896 1,048 1,194 906 — — — — — —
EBITDA 128 63 140 122 183 230 275 330 361 464 587 174 320 521 566 635 668 658
Operating income 72 5 79 58 118 159 205 250 266 358 475 47 184 385 433 503 530 505
Net income 30 −38 37 21 88 102 99 174 157 233 347 −3 71 231 280 306 310 288
Diluted EPS $0.59 −$0.75 $0.71 $0.40 $1.69 $1.89 $1.83 $3.23 $2.85 $4.26 $6.31 −$0.06 $1.32 $4.41 $5.50 $6.45 $6.84 $6.17
Growth (year on year)
Revenue −1.2% +0.5% +11.8% +9.2% +11.5% +17.8% +6.5% +10.5% +15.0% +12.6% +8.4% −9.7% +20.7% +12.1% +9.8% +8.2% +6.4% +5.8%
EBITDA — −51.0% +122.4% −12.5% +50.2% +25.5% +19.4% +20.2% +9.3% +28.5% +26.5% −70.4% +84.2% +63.0% +8.5% +12.3% +5.2% −1.9%
Operating income — −92.7% — −26.7% +104.1% +34.1% +29.0% +21.9% +6.5% +34.6% +32.8% −90.2% — +109.5% +12.2% +16.3% +5.3% −6.2%
Net income — −226.6% — −44.4% — +15.5% −2.8% +76.5% −10.1% +48.5% +48.9% −101.0% — +226.7% +21.1% +9.4% +1.1% −13.3%
Diluted EPS — −227.1% — −43.7% — +11.8% −3.2% +76.5% −11.8% +49.5% +48.1% −101.0% — +234.1% +24.7% +17.3% +6.0% −14.8%
Margins
Gross margin 34.3% 34.9% 36.2% 35.9% 36.8% 37.9% 39.0% 40.0% 39.8% 41.3% 43.4% 36.5% — — — — — —
EBITDA margin 12.4% 6.0% 12.0% 9.6% 13.0% 13.8% 15.5% 16.9% 16.0% 18.3% 21.3% 7.0% 10.7% 15.5% 15.3% 15.9% 15.7% 15.0%
Operating margin 7.0% 0.5% 6.8% 4.6% 8.4% 9.5% 11.6% 12.8% 11.8% 14.1% 17.3% 1.9% 6.1% 11.5% 11.7% 12.6% 12.5% 11.5%
Net margin 2.9% −3.7% 3.2% 1.6% 6.2% 6.1% 5.6% 8.9% 7.0% 9.2% 12.6% −0.1% 2.4% 6.9% 7.6% 7.7% 7.3% 6.6%
Free-cash-flow margin 6.1% 7.6% 4.5% 10.9% 9.1% 10.3% 7.9% 15.5% 8.4% 11.2% 13.6% 6.3% 10.5% 19.2% 14.9% 15.4% 10.2% 6.1%
Cash flow
Cash from operations 96 108 98 185 169 235 215 392 286 397 504 254 406 748 643 733 560 401
Capital spending 33 29 46 46 41 63 75 87 97 112 131 98 92 104 94 117 126 132
Free cash flow 63 79 52 138 128 172 140 304 189 285 373 156 314 644 549 616 434 269
Stock-based pay 8 9 11 12 11 13 13 15 16 17 21 22 37 44 54 44 55 61
Free cash flow after stock pay 55 70 41 127 117 159 128 289 173 268 352 134 278 600 495 572 379 208
Balance sheet
Cash 184 195 177 201 210 468 458 734 280 385 786 1,420 1,261 1,131 1,254 1,279 1,040 1,197
Total debt 323 293 339 301 205 426 428 618 473 666 1,117 1,456 1,435 1,759 2,528 1,947 2,021 2,653
Net debt (negative = net cash) 140 98 161 100 −5 −42 −29 −117 193 281 331 36 174 628 1,274 668 981 1,456
Diluted shares 51m 51m 52m 51m 52m 54m 54m 54m 55m 55m 55m 53m 54m 53m 52m 48m 46m 47m
Returned to shareholders
Buybacks 0 0 16 43 2 66 6 77 3 178 74 242 230 176 378 269 668 507
Total returned 0 0 16 43 2 66 6 77 3 178 74 242 230 176 378 269 668 507

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$507M
Returned to shareholders
189%
of free cash flow
Buybacks, last 3 fiscal years
$1.3B
Diluted share count
+1.8%
year over year
Total shareholder yield
16.6%
dividends 0.0% + buybacks 16.6% of market value
Sales & admin spending
9.0%
of revenue
Days sales outstanding
30 days
receivables vs revenue

Competitors: side by side with peers

Closest by revenue in transaction & payment processing services
Last 12 months unless stated EEFT AFRM WU FOUR CPAY WEX Median
Revenue, last 12 months $4.4bn $4.3bn $4.0bn $4.8bn $5.0bn $2.9bn $1.6bn
Revenue growth, last 12 months 5.8% 32.2% −1.6% 32.4% 20.4% 9.7% 9.3%
Revenue growth, 3-year average 7.5% 39.0% −2.7% 28.2% 11.5% 4.8% 7.9%
Revenue growth, latest quarter 3.2% 33.0% −1.3% 34.1% 21.5% 12.8% 14.0%
Gross margin 41.4% — 35.1% 20.1% — 60.4% 45.0%
Operating margin 11.5% 9.8% 15.9% 8.1% 43.7% 26.6% 9.8%
Operating margin, 3-year average 12.2% −6.5% 17.0% 7.0% 44.3% 25.8% 11.1%
Net margin 6.6% 45.3% 9.8% 2.2% 22.7% 14.0% 6.1%
Cash from operations / revenue 9.2% 28.9% 15.1% 12.4% 36.8% −4.3% 18.4%
Free-cash-flow margin 6.1% 23.3% 14.0% 12.0% 32.6% −12.8% 16.1%
Free-cash-flow margin, 3-year average 11.4% 18.2% 12.7% 13.1% 41.4% 9.5% 16.3%
Stock pay / revenue 1.4% 7.2% 1.0% 1.8% 2.3% 4.5% 2.2%
Change in share count 1.8% 2.3% −5.6% — −3.3% −6.1% −2.7%

Median of all 30 companies we cover in transaction & payment processing services. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

30 transaction & payment processing services companies
Measure Company Peer median Rank
Revenue growth Growth 5.8% 9.7% 20 of 30
Change in growth rate Growth -1.5pp -0.3pp 22 of 30
Operating margin Profitability 11.5% 9.8% 13 of 29
Net margin Profitability 6.6% 6.6% 15 of 30
Stock pay as % of revenue Cash generation 1.4% 2.3% 8 of 30
Change in share count Balance sheet 1.8% -1.7% 20 of 26

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Geography
Region Revenue YoY
Outside the US $3.3B ▲ 7.9%
United States $994M ▲ 1.6%
Germany $756M ▲ 7.1%
Other Countries $606M ▲ 15.9%
ES $291M ▲ 12.1%
GR $262M ▲ 10.5%
France $229M ▲ 9.0%
IT $215M ▲ 9.0%
India $203M ▼ 1.5%
United Kingdom $173M ▲ 5.2%
PL $139M ▲ 12.0%
Malaysia $86.2M ▲ 2.7%
Netherlands $69.7M ▼ 5.3%
Canada $65.8M ▼ 4.5%
Australia $59.4M ▲ 0.7%
Brazil $49.3M ▼ 2.6%
NZ $46.1M ▼ 5.3%

These categories overlap or exclude eliminations, so shares aren't shown.

From Euronet Worldwide, Inc.'s 10-K filed February 26, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$2.8B
Institutions reporting
362
Shares held vs prior quarter
▼ 7.1%
Positions opened / closed
50 / 42

Top buyers and sellers, Q2 2026: 165 institutions bought and 193 sold ; the biggest buyer was Goldman Sachs Group Inc (+341K shares) and the biggest seller Van Berkom & Associates Inc (−1.4M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $245M 3.3M 8.7% ▼ 4.7%
Bank Of Montreal $162M 2.2M 5.8% ▲ 15.8%
Turtle Creek Asset Management Inc. $124M 1.7M 4.4% ▼ 8.0%
Reinhart Partners, Llc. $119M 1.6M 4.2% ▲ 9.2%
Vanguard Capital Management LLC $116M 1.6M 4.1% ▼ 7.9%
American Century Companies Inc $116M 1.6M 4.1% ▼ 4.9%
Vanguard Portfolio Management LLC $108M 1.5M 3.8% ▼ 12.3%
Dimensional Fund Advisors LP $102M 1.4M 3.6% ▲ 14.9%
Jupiter Topco LLC $98.2M 1.3M 3.5% —
State Street Corp $93.5M 1.3M 3.3% ▼ 1.7%
Hotchkis & Wiley Capital Management LLC $87M 1.2M 3.1% ▲ 6.3%
Van Berkom & Associates Inc. $82.8M 1.1M 2.9% ▼ 54.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Euronet Worldwide, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $255,749 2 trades by 1 insider, last 12 months Insider sales History → $24,850 1 trade by 1 insider · 0% under pre-set plans
Net ▲ $230,899 net buying
Insider Date Trade Shares Price Value
Mcdonnell Thomas A Director August 7, 2026 Buy 781 $70.60 $55,139
Mcdonnell Thomas A Director May 26, 2026 Buy 3,000 $66.87 $200,610
Godderz Adam 10% owner May 7, 2026 Sell 345 $72.03 $24,850

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 2 trades and filings

No trades in Euronet Worldwide, Inc. disclosed in the last 12 months; 2 earlier trades on record.

  • Donna Shalala(FL):Sale (full), $1,001 - $15,000, traded January 23, 2019, filed April 27, 2020
  • Donna Shalala(FL):Sale (full), $1,001 - $15,000, traded January 9, 2019, filed April 27, 2020

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around February 11, 2027 estimated from the company's past filing pattern, not announced

  • October 27, 2026
  • July 30, 2026
  • April 29, 2026
  • February 12, 2026
  • October 23, 2025
  • July 31, 2025

Recent SEC filings

Data status

When each part of this page on Euronet Worldwide, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Euronet Worldwide, Inc. in brief

What does Euronet Worldwide, Inc. do?
Euronet Worldwide, Inc. is a US-listed company in the transaction & payment processing services industry. Its financial year ends in December.
What is Euronet Worldwide, Inc.'s stock ticker?
Euronet Worldwide, Inc. trades under the ticker EEFT on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Euronet Worldwide, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Euronet Worldwide, Inc. reported revenue of $4.4B, 5.8% higher than a year earlier, according to its SEC filings.
What is Euronet Worldwide, Inc.'s free cash flow?
Euronet Worldwide, Inc.'s free-cash-flow margin is 6.1% of revenue over the trailing twelve months.
Who are Euronet Worldwide, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Bank Of Montreal and Turtle Creek Asset Management Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Euronet Worldwide, Inc. buying back stock, and does it pay a dividend?
Euronet Worldwide, Inc. spent $507M on share repurchases over the trailing twelve months, and its diluted share count still rose 1.8% over the year.
What is Euronet Worldwide, Inc.'s market cap?
On November 2, 2026, Euronet Worldwide, Inc.'s market capitalisation was about $3.1B, with a price-to-earnings ratio of 10.7 and net debt of $1.5B. Market figures come from third-party market data and may be delayed.
Who are Euronet Worldwide, Inc.'s competitors?
In our Transaction & Payment Processing Services peer group, the companies closest to Euronet Worldwide, Inc. are Affirm Holdings, Inc., Western Union Co, Shift4 Payments, Inc., Corpay and WEX Inc. The side-by-side comparison below sets their revenue, margins and growth against Euronet Worldwide, Inc.'s.
Are insiders buying or selling Euronet Worldwide, Inc. stock?
Over the last 12 months, Euronet Worldwide, Inc.'s directors and officers reported 2 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Euronet Worldwide, Inc.'s next earnings date?
Around February 11, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Euronet Worldwide, Inc. announces its own schedule.