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Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers internationally. The company operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS dynamic currency conversion, domestic and international surcharge, foreign currency dispensing, advertising, digital content sales at ATMs, customer relationship management, prepaid mobile top-up, bill payment, money transfer, fraud management, foreign remittance payout, cardless payout, banknote recycling solutions, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services. The Money Transfer segment offers consumer-to-consumer money transfer services through a network of locations and its website riamoneytransfer.com; account-to-account money transfer; and money transfer services through its website xe.com, Xe app, and customer service representatives. It also provides foreign currency exchange information on its currency data websites xe.com and x-rates.com; cash management solutions and foreign currency risk management services to small-and-medium-sized businesses; and payment processing services to third-party partners. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. The company was founded in 1994 and is headquartered in Leawood, Kansas.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Euronet Worldwide provides global electronic payments and fintech services, including ATM and merchant services, cross-border money transfer (Ria) and payment processing. Long-term growth drivers are the ongoing shift to digital payments, rising remittances and scale gains from its processing and distribution platforms. Investors may find it attractive because it appears positioned for recurring, transaction-driven revenue, geographic diversification and technology-led margin improvement.
Key risks are regulatory and compliance changes, competitive pressure from banks and fintechs, currency and geopolitical exposure in emerging markets, and operational risks including cyber security and execution of growth initiatives.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 448.20M | 448.90M | 400.40M | 322.60M | 135.68M |
| Minority interest | -3.50M | -0.30M | 0.25M | -0.25M | 0.20M |
| Net income | 309.50M | 306.00M | 279.70M | 231.00M | 70.70M |
| Selling general administrative | 1085.10M | 965.50M | 899.70M | 819.30M | 736.90M |
| Selling and marketing expenses | - | 650.20M | 602.90M | 0.11M | -0.13M |
| Gross profit | 3531.30M | 950.30M | 862.30M | 1340.61M | 1095.18M |
| Reconciled depreciation | 138.50M | 131.80M | 133.46M | 135.90M | 135.80M |
| Ebit | 532.70M | 503.20M | 432.60M | 385.34M | 222.65M |
| Ebitda | 667.10M | 635.00M | 565.50M | 521.20M | 358.40M |
| Depreciation and amortization | 134.40M | 131.80M | 132.90M | 135.86M | 135.75M |
| Non operating income net other | - | - | - | -25.16M | -10.14M |
| Operating income | 529.80M | 503.20M | 432.60M | 385.34M | 222.65M |
| Other operating expenses | 3714.40M | 3486.60M | 3255.40M | 3000.63M | 2822.23M |
| Interest expense | 84.50M | 80.50M | 55.60M | 37.50M | 38.30M |
| Tax provision | 135.20M | 142.60M | 102.45M | 91.90M | 65.10M |
| Interest income | 23.20M | 23.80M | 11.27M | 2.00M | 0.70M |
| Net interest income | -61.30M | -56.70M | -38.82M | -35.50M | -37.60M |
| Income tax expense | 135.20M | 142.60M | 120.90M | 91.85M | 65.09M |
| Total revenue | 4244.20M | 3989.80M | 3688.00M | 3358.74M | 2995.44M |
| Total operating expenses | 3001.50M | 447.10M | 429.70M | 982.50M | 921.97M |
| Cost of revenue | 712.90M | 3039.50M | 2825.70M | 2018.13M | 1900.27M |
| Total other income expense net | -81.60M | -54.30M | -32.20M | -62.74M | -86.97M |
| Net income from continuing ops | 313.00M | 306.30M | 277.84M | 230.74M | 70.50M |
| Net income applicable to common shares | - | - | - | 230.99M | 70.70M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 6488.70M | 5834.50M | 5894.40M | 5403.60M | 4744.30M |
| Intangible assets | 261.20M | 415.60M | 349.50M | 362.35M | 287.37M |
| Other current assets | 2221.90M | 1829.00M | 1997.50M | 1801.70M | 1102.40M |
| Total liab | 5166.20M | 4605.30M | 4644.70M | 4159.20M | 3488.80M |
| Total stockholder equity | 1307.50M | 1228.70M | 1249.90M | 1244.40M | 1255.50M |
| Deferred long term liab | - | - | - | 28.37M | 46.51M |
| Other current liab | 1910.40M | 1997.10M | 2200.50M | 1377.32M | 1025.36M |
| Common stock | 1.40M | 1.30M | 1.30M | 1.28M | 1.27M |
| Capital stock | 1.40M | 1.30M | 1.30M | 1.28M | 1.27M |
| Retained earnings | 2243.40M | 1934.00M | 1627.90M | 1348.27M | 1083.88M |
| Other liab | - | - | - | 93.41M | 101.80M |
| Good will | 1042.30M | 859.20M | 847.50M | 828.34M | 641.61M |
| Other assets | - | - | 0.00M | 174.07M | 189.60M |
| Cash | 1713.80M | 1922.60M | 1794.60M | 1646.80M | 1803.90M |
| Total current liabilities | 3854.70M | 3226.00M | 2700.60M | 2354.10M | 1852.60M |
| Current deferred revenue | - | 56.40M | 56.70M | 65.38M | 77.04M |
| Net debt | 463.50M | 161.50M | 218.80M | 119.50M | -212.50M |
| Short term debt | 1039.10M | 862.30M | 202.20M | 53.30M | 57.00M |
| Short long term debt | 983.20M | 812.70M | 150.30M | 3.10M | 4.90M |
| Short long term debt total | 2177.30M | 2084.10M | 2013.40M | 1766.30M | 1591.40M |
| Other stockholder equity | -875.60M | -385.10M | -176.10M | 145.84M | 342.93M |
| Property plant equipment | - | - | - | 336.60M | 506.90M |
| Total current assets | 4270.20M | 4036.50M | 4162.70M | 3726.70M | 3308.40M |
| Net tangible assets | - | - | - | 227.96M | 516.10M |
| Net receivables | 334.50M | 284.90M | 370.60M | 270.80M | 203.00M |
| Long term debt | 1037.60M | 1134.40M | 1715.40M | 1609.10M | 1420.10M |
| Inventory | - | - | 0.00M | 7.40M | 199.10M |
| Accounts payable | 905.20M | 223.80M | 241.20M | 858.10M | 693.20M |
| Noncontrolling interest in consolidated entity | - | - | - | -0.18M | 0.04M |
| Accumulated other comprehensive income | -61.70M | -321.50M | -203.20M | -250.99M | -172.58M |
| Common stock total equity | - | - | - | 1.28M | 1.27M |
| Retained earnings total equity | - | - | - | 1348.27M | 1083.88M |
| Treasury stock | - | - | - | -1105.81M | -931.21M |
| Non currrent assets other | 267.30M | -26.70M | -47.00M | 145.63M | 189.60M |
| Non current assets total | 2218.50M | 1798.00M | 1731.70M | 1676.90M | 1435.90M |
| Capital lease obligations | 156.50M | 137.00M | 147.70M | 154.10M | 166.40M |
| Long term debt total | - | - | - | 1609.10M | 1420.09M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -223.30M | -112.28M | -453.78M | -98.11M |
| Change to liabilities | - | - | - | 788.72M | 91.21M |
| Total cashflows from investing activities | -137.60M | -223.30M | -157.60M | -453.78M | -98.11M |
| Net borrowings | -7.70M | 120.30M | 229.40M | 169.58M | 13.05M |
| Total cash from financing activities | -766.00M | -135.70M | -143.20M | -1.15M | -212.24M |
| Change to operating activities | - | - | - | 416.72M | 244.16M |
| Net income | 309.50M | 306.30M | 279.70M | 230.99M | 70.73M |
| Change in cash | -125.40M | 241.20M | 256.20M | -95.24M | -13.41M |
| Begin period cash flow | 2488.20M | 2247.00M | 1990.80M | 2086.10M | 2099.51M |
| End period cash flow | 2362.80M | 2488.20M | 2247.00M | 1990.86M | 2086.10M |
| Total cash from operating activities | 536.30M | 732.80M | 643.10M | 748.29M | 406.58M |
| Issuance of capital stock | 9.00M | 17.20M | 7.78M | 9.08M | 10.85M |
| Depreciation | 138.50M | 131.80M | 132.90M | 135.86M | 135.75M |
| Other cashflows from investing activities | -23.50M | -14.50M | -61.90M | -349.52M | -5.90M |
| Dividends paid | - | - | 458.80M | -7900.08M | -5280.03M |
| Change to inventory | - | - | - | -170.73M | -31.90M |
| Change to account receivables | -128.20M | 269.80M | -190.90M | -299.41M | -107.48M |
| Sale purchase of stock | -667.70M | -268.60M | -378.40M | -175.97M | -229.88M |
| Other cashflows from financing activities | 0.20M | -4.60M | -2.00M | 15799.01M | 10347.82M |
| Change to netincome | - | - | - | 80.16M | 45.15M |
| Capital expenditures | 125.50M | 117.20M | 94.40M | 104.26M | 92.21M |
| Change receivables | - | - | - | -299.41M | -107.48M |
| Cash flows other operating | - | - | - | -191.53M | 151.12M |
| Cash and cash equivalents changes | - | - | - | 293.36M | 96.23M |
| Change in working capital | 50.10M | 209.10M | 167.30M | -299.41M | -107.48M |
| Stock based compensation | 54.90M | 43.90M | 53.70M | 44.10M | 36.54M |
| Other non cash items | -16.70M | 23.20M | -4.20M | 628.86M | 273.29M |
| Free cash flow | 410.80M | 615.60M | 548.70M | 644.03M | 314.37M |
Sector: Technology Industry: Software - Infrastructure
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| EEFT Euronet Worldwide Inc |
-0.46 0.65% |
70.03 | 11.31 | 6.01 | 0.60 | 2.17 | 0.75 | 4.79 |
| MSFT Microsoft Corporation |
3.35 0.64% |
524.47 | 37.32 | 29.94 | 13.03 | 12.45 | 13.06 | 24.59 |
| ORCL Oracle Corporation |
-2.83 2.20% |
125.56 | 21.96 | 17.89 | 5.91 | 7.08 | 7.82 | 14.89 |
| CRWD Crowdstrike Holdings Inc |
-4.88 2.13% |
224.19 | 4849.80 | 188.68 | 46.01 | 47.24 | 43.89 | 559.34 |
| FTNT Fortinet Inc |
-0.67 0.52% |
127.43 | 60.27 | 43.86 | 16.80 | 80.50 | 16.11 | 43.33 |
Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers internationally. The company operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS dynamic currency conversion, domestic and international surcharge, foreign currency dispensing, advertising, digital content sales at ATMs, customer relationship management, prepaid mobile top-up, bill payment, money transfer, fraud management, foreign remittance payout, cardless payout, banknote recycling solutions, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services. The Money Transfer segment offers consumer-to-consumer money transfer services through a network of locations and its website riamoneytransfer.com; account-to-account money transfer; and money transfer services through its website xe.com, Xe app, and customer service representatives. It also provides foreign currency exchange information on its currency data websites xe.com and x-rates.com; cash management solutions and foreign currency risk management services to small-and-medium-sized businesses; and payment processing services to third-party partners. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. The company was founded in 1994 and is headquartered in Leawood, Kansas.
11400 Tomahawk Creek Parkway, Leawood, KS, United States, 66211
913 327 4200
10800
| Name | Title | Year Born |
|---|---|---|
| Mr. Michael J. Brown M.Sc., MSc | Chairman, CEO & Pres | 1957 |
| Mr. Rick L. Weller | Exec. VP, Chief Accounting Officer & CFO | 1958 |
| Mr. Kevin J. Caponecchi | Exec. VP and CEO of epay, Software & EFT Asia Pacific Division | 1967 |
| Mr. Juan C. Bianchi | Exec. VP & CEO of Money Transfer Segment | 1971 |
| Mr. Nikos Fountas | Exec. VP and CEO of EFT Europe, Middle East & Africa Division | 1964 |
| Dr. Martin L. Bruckner | Sr. VP & Chief Technology Officer | 1976 |
| Ms. Stephanie Taylor | Director of Financial Planning & IR | NA |
| Desmond Acosta | Deputy Gen. Counsel | NA |
| Mr. Scott D. Claassen | Gen. Counsel & Sec. | 1967 |
| Ms. Karyn Clewes Zaborny | Sr. VP, HR | NA |
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