Euronet Worldwide, Inc. (EEFT) Stock

Euronet Worldwide, Inc. (EEFT) is a Financials stock trading at $69.36 (as of 2026-08-20), with a market capitalization of $2.59B and a trailing P/E of 9.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, agents, retailers, merchants, content providers, and individual consumers worldwide. The company's Electronic Fund Transfer Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions, as well as delivers non-cash products. This segment operates a network of 42,713 ATMs and approximately 438,000 POS terminals. Its epay segment distributes and processed prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 775,000 POS terminals. The company's Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. This segment operates a network of approximately 510,000 money transfer locations. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.

Understand Euronet Worldwide, Inc.: how it makes money

Euronet Worldwide provides payment and transaction processing services for financial institutions, agents, retailers, merchants, and consumers, earning money by operating and servicing ATM and POS-related networks plus processing payments and electronic fund transfers through its Money Transfer, Electronic Funds Transfer Processing, and ePay businesses.

The company’s profit model scales primarily with transaction processing volumes and network reach (large transaction counts plus installed and active ATM and POS footprints) across its Electronic Funds Transfer Processing, Money Transfer, and ePay segments.

Revenue by segment (latest quarter)
EFT Processing$0.3B
Money Transfer$0.4B
ePay$0.3B

Business quality (Weak): The latest quarter shows a roughly $1.0B revenue base with an operating margin of 7.1%, and the provided KPIs emphasize transaction volumes and network assets, but gross margin details are not available in the supplied data.

Valuation: At 10× earnings, EEFT trades 23% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Transaction and network scale: The KPIs include very large transaction counts (Electronic Funds Transfer Processing Segment Transactions and Epay Transactions) and meaningful network footprints (installed and active ATMs, retailer locations, and point-of-sale terminals), supporting the idea of an infrastructure-style payments platform.
  • Multiple processing businesses: Revenue is spread across three reportable segments, Money Transfer, Electronic Funds Transfer Processing, and ePay, which reduces reliance on a single product line within the information provided.

Bear case

  • Volume sensitivity risk: Because the business is built around transaction processing, changes in transaction activity could affect segment performance, and the supplied data highlights volumes as key operating measures.
  • Ongoing digital investment charges: The presence of a Digital Initiatives Charge for the Money Transfer Segment (value shown) indicates that operating results may be affected by investment-related charges.
Valuation — source: SEC EDGAR (first-party)
Price$69.36
Market Cap$2.59B
P/E Ratio9.5
EV / EBITDA4.0
Price / Book2.08
Price / Sales0.61
FCF Yield-2.0%
DCF Value (model)$114.37
DCF Upside vs Price64.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$4.24B
Net Margin7.3%
Revenue Growth (YoY)6.4%
EPS Growth (YoY)8.5%
FCF Growth (YoY)-29.5%
Financial Health — source: SEC EDGAR
Altman Z-Score1.80 (distress)
Valuation vs Sector & Industry
Stock P/E9.5
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-37.5%
vs Industry-26.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($286.73M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOMichael J. Brown
Employees10,600
CountryUS
IPO Date1997-03-07

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EEFT earnings history · EEFT institutional & insider holders · EEFT KPIs & operating metrics · EEFT financials · EEFT investor presentations & press releases · EEFT SEC filings · EEFT peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.