Euronet Worldwide Inc. Common Stock (EEFT)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Euronet traded at $64.12. FairStock’s calculations put the P/E at 10.18, P/B at 1.95, EV/EBITDA at 4.40, and FCF yield at 11.2%. The Graham Number is $68.28, leaving only a 6.09% margin of safety. That is not a giveaway, but it is modestly cheap if cash flows hold. The company processes payments and transactions across EFT, epay, and Money Transfer. In fiscal year 2025, the year ended 2025-12-31, revenue was $4.2B, net income was $309.5M, and diluted EPS was $6.84. In fiscal year 2024, the year ended 2024-12-31, revenue was $4.0B, net income was $306.0M, and diluted EPS was $6.45. In fiscal year 2023, the year ended 2023-12-31, revenue was $3.7B, net income was $279.7M, and diluted EPS was $5.50. The long-term record is steady, and FairStock labels it a STALWART with profit growth of 44.6% a year over four years and revenue growth of 9.1%. But the latest filed quarter, fiscal Q2 2026, the quarter ended 2026-06-30, showed revenue of $1.1B, net income of $77.4M, and diluted EPS of $1.71. That compares with fiscal Q2 2025, the quarter ended 2025-06-30, when net income was $97.6M and diluted EPS was $2.27. Profit weakened even as revenue held around $1.1B. The balance sheet gives me pause: D/E is 2.25 and Altman Z is 1.24. ROE is 22.37%, but ROCE is only 4.84%, so leverage may be flattering equity returns. Piotroski 8/9 and $268.9M trailing free cash flow are real positives. I would want to see the profit decline reverse before calling the valuation a bargain.

In plain English: Euronet Worldwide runs payment and transaction processing, including cash machines, prepaid payments, and money transfers. The company has been profitable and generates cash, but profit fell in the latest quarter. At the recent price, the shares look modestly cheap compared with earnings and cash flow, though the company carries a lot of debt.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer