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what it is
Euronet moves your money through ATMs, remittances, prepaid payments, and merchant terminals across 55,248 ATMs and 1.16 million POS terminals.
how it gets paid
Last year Euronet made $4.2B in revenue. Money transfer was the main engine at $1.30B, or 31% of sales.
why it's growing
Revenue grew 6.4% last year. The number that mattered was the 66.25% EPS miss.
what just happened
The last report was a credibility hit: EPS landed at $1.08 versus a $3.20 estimate, a 66.25% miss.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
45/100 earnings predictability — expect surprises
9.6x trailing p/e — the market's not buying it — or you found a deal
14.0% return on capital — nothing to write home about
xvary composite: 58/100 — below average
What they do
Euronet moves your money through ATMs, remittances, prepaid payments, and merchant terminals across 55,248 ATMs and 1.16 million POS terminals.
This business wins by being everywhere your money needs to go. Euronet ended 2024 with 55,248 ATMs and 1,160,000 POS terminals, which means banks, retailers, and money-transfer partners already run through its rails. Scale in payments → more endpoints → more transaction volume. So what: replacing that network is slow, expensive, and annoying for your customers.
How they make money
$4.2B
annual revenue · their business grew +6.4% last year
Money transfer
$1.30B
+9.0%
ATM network services
$1.10B
+8.0%
Prepaid and branded payments
$1.00B
+4.0%
POS and card outsourcing
$0.60B
+7.0%
Software and other processing
$0.20B
+12.0%
The products that matter
ATM and point-of-sale processing
Electronic Fund Transfer
part of the $4.2B revenue base
this is the cash-and-card plumbing inside the broader $4.2B business, and recent commentary pointed to weak european ATM trends and softer cash spending.
network plumbing
cross-border remittance services
Money Transfer
pressure in key corridors
this segment matters because corridor weakness showed up where it hurts — management flagged declines in the u.s. to mexico business while full-company revenue was still $4.2B.
corridor risk
digital content and prepaid top-ups
ePay
part of the same $4.2B platform
ePay adds another transaction stream to the model. the data here is light, so the honest read is simple: it helps diversify the revenue base, but the page does not prove it is the main growth engine.
diversifier
Key numbers
$8.70
fy2026 eps est
$6B
fy2028 rev est
9.6x
trailing p/e
n/a
dividend yield
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 40 / 100
- long-term debt $1.1B (26% of capital)
- net profit margin 5.8% — keeps 6 cents of every dollar in revenue
- return on equity 13% — $0.13 profit for every $1 investors have put in
B++ — functional but not a standout on the balance sheet.
Total return vs. market
You invested $10,000 in EEFT 3 years ago → it's now worth $7,100.
The index would have given you $14,770.
source: institutional data · total return
What just happened
missed estimates
The last report was a credibility hit: EPS landed at $1.08 versus a $3.20 estimate, a 66.25% miss.
Management was already dealing with softer-than-expected revenue, and the pressure was tied to macro challenges and policy shifts flagged in the latest company commentary. That is why the stock fell 10% in three months while the S&P 500 gained 7%.
$4.2B
ttm revenue
$1.08
eps
17.5%
operating margin
the number that mattered
The number that mattered was the 66.25% EPS miss, because cheap stocks stop looking cheap when investors stop trusting the estimate.
-
euronet worldwide stock is trading near its 52-week low price.
-
indeed, these shares slipped another 10% in value over the last three months compared to a 7% uptick in the s&p 500.
-
investors reacted negatively to the third-quarter financial report, as revenues came in softer than expected and earnings declined 14% from the year-ago tally.
-
moreover, the top-line miss was particularly tied to lingering macroeconomic challenges, immigration policy shifts, and discretionary consumer travel spend that led to soft transaction volumes and weighed on cross-border remittance results.additionally, weak european atm trends and reduced cash available for spending have led to softness across the electronic fund transfer segment.
-
the money transfer segment saw notable declines in the u.s. to mexico corridor (a significant market).
source: company earnings report, 2026
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What could go wrong
the #1 risk here is transaction slowdown in travel and remittance corridors.
med
consumer travel and cash usage stay soft
EEFT still depends on people moving, traveling, and transacting in the physical world. management already pointed to softer consumer travel spend and weak european ATM trends.
impact: pressure would flow straight into the $4.2B revenue base and make the path to the $5B revenue target harder to believe.
med
u.s. to mexico remittance weakness is not temporary
the company specifically flagged notable declines in the u.s. to mexico money transfer corridor. that is a company-specific warning sign, not a generic macro shrug.
impact: if corridor weakness persists, full-year EPS can struggle to hold the current $8.70 level even with a low 9.6x multiple.
med
policy and regulatory changes disrupt cross-border flows
management already cited immigration policy shifts as part of the revenue miss. when policy changes alter how and where money moves, remittance volumes can move with it.
impact: that would hit volumes first, sentiment second, and keep the stock stuck near the bottom of its $69–$114 range.
the combined risk picture is simple: this is a $4.2B transaction business priced at 9.6x earnings because recent demand signals got worse, not better.
source: institutional data · regulatory filings · risk analysis
Pay attention to
next print
whether the next quarter confirms Q4 was a recovery
you need another clean report after the third-quarter stumble. one better quarter helps. two starts to change the story.
trend
money transfer corridor stability
watch the u.s. to mexico business closely. management already told you that corridor weakened.
metric
revenue pace versus the $5B goal
EEFT is at $4.2B today. if growth stalls below the current +6.4% pace, the rerating case gets thinner fast.
risk
travel and ATM volume trends in europe
weak european ATM activity already hurt results. if that stays soft, the low multiple will keep making sense.
Analyst rankings
short-term outlook
average
momentum score 3. in human-speak, analysts are not seeing a strong short-term edge either way.
risk profile
average
stability score 3 means this is a normal-risk stock on paper, even if recent price action felt worse than that.
chart momentum
average
technical score 3 means the chart is not giving you a rescue signal yet.
earnings predictability
45 / 100
45 / 100 predictability means the earnings path can get messy. you should expect some variance around consensus.
source: institutional data
Institutional activity
institutions have been net selling for 2 consecutive quarters — 187 buyers vs. 207 sellers in 3q2025. total institutional holdings: 41.2M shares. net selling for 2 quarters.
source: institutional data
Price targets
3-5 year target range
$65
$151
$75
current price
$108
target midpoint · +45% from current · 3-5yr high: $205 (+175% · 29% ann'l return)
Want the deeper analysis?
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