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EEFT

Euronet Worldwide, Inc.

EEFT

Euronet Worldwide, Inc. • NASDAQ
$74.09 ▲ 0.94% (+0.69)
Market Cap $3.12 B
52w High $114.25
52w Low $68.56
Dividend Yield 0%
P/E 10.83
Volume 254.33K
Outstanding Shares 42.04M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.146B ▲ $763.3M ▲ $122M ▲ 10.649% ▲ $2.75 ▲ $237.5M ▲
Q2-2025 $1.074B ▲ $121.6M ▲ $97.7M ▲ 9.094% ▲ $2.31 ▲ $196.9M ▲
Q1-2025 $915.5M ▼ $115.2M ▼ $39.4M ▼ 4.304% ▼ $0.89 ▼ $111.9M ▼
Q4-2024 $1.047B ▼ $115.9M ▲ $45.2M ▼ 4.316% ▼ $1.03 ▼ $155.2M ▼
Q3-2024 $1.099B $113.5M $151.5M 13.781% $3.41 $215.1M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.021B ▼ $6.275B ▼ $4.997B ▼ $1.263B ▼
Q2-2025 $2.307B ▲ $6.555B ▲ $5.191B ▲ $1.352B ▲
Q1-2025 $2.105B ▲ $6.053B ▲ $4.752B ▲ $1.302B ▲
Q4-2024 $1.923B ▼ $5.835B ▼ $4.605B ▼ $1.229B ▼
Q3-2024 $2.329B $6.289B $4.927B $1.362B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $125.1M ▲ $197.3M ▲ $-48.1M ▼ $-358.1M ▼ $-230.4M ▼ $161.2M ▲
Q2-2025 $97.7M ▲ $182.9M ▲ $-34.2M ▲ $-83.4M ▼ $231.3M ▲ $148.3M ▲
Q1-2025 $38.4M ▼ $1.7M ▼ $-54.7M ▼ $162.6M ▲ $201.4M ▲ $-21.5M ▼
Q4-2024 $45.2M ▼ $80.3M ▼ $-38.1M ▼ $-321.1M ▼ $-453.6M ▼ $46.1M ▼
Q3-2024 $151.6M $440.3M $-30M $-119M $386.6M $421.1M

Revenue by Products

Product Q3-2024Q4-2024Q2-2025Q3-2025
EFT Processing Segment
EFT Processing Segment
 $370.00M ▲$270.00M ▼$340.00M ▲$410.00M ▲
Epay Segment
Epay Segment
 $290.00M ▲$340.00M ▲$280.00M ▼$290.00M ▲
Money Transfer Segment
Money Transfer Segment
 $440.00M ▲$440.00M ▲$460.00M ▲$450.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Euronet’s income statement shows a clear pattern of recovery and growth over the past several years. Revenue has increased steadily each year, and profits have grown faster than sales, which suggests improving efficiency and better cost control. Operating profit and EBITDA have both moved up consistently, indicating that the core business is scaling well. Net income and earnings per share have shifted from roughly breakeven a few years ago to solid profitability today, reflecting both post‑pandemic recovery in transactions and stronger performance across segments. The main watchpoint is that some parts of the business (like ATMs and money transfers) can be sensitive to travel, consumer spending, and foreign exchange trends, which can make earnings somewhat cyclical.

Balance Sheet

Balance Sheet The balance sheet looks generally solid and stable. Total assets have grown moderately, and the company keeps a meaningful cash cushion on hand, which provides flexibility for investment, acquisitions, and dealing with downturns. Debt has risen over time but not aggressively, and it appears manageable given the level of cash and cash generation. Shareholders’ equity has stayed fairly steady, which may reflect a mix of retained earnings, investments, and possible buybacks. Overall, leverage does not appear excessive, but the company is not under‑levered either, so ongoing debt management and interest costs remain important to monitor.

Cash Flow

Cash Flow Cash flow is a notable strength. Operating cash flow has been consistently positive and has trended higher as profits improved. Free cash flow has also grown over time, even after funding regular capital spending. Investment in property, equipment, and technology has remained disciplined and relatively modest compared with the cash coming in, suggesting good capital efficiency. This cash profile gives Euronet room to reinvest in its platforms, expand its network, service debt, and pursue deals without relying heavily on new financing, assuming business conditions remain supportive.

Competitive Edge

Competitive Edge Euronet holds a strong competitive position built on three main elements: a large global physical and digital network, a diversified mix of businesses, and control of its own technology stack. Its ATM and EFT processing network, epay distribution channels, and Ria/Xe money transfer footprint give it broad reach that is difficult and expensive for newcomers to replicate. The three segments reinforce each other, providing cross‑selling opportunities and shared infrastructure. Its proprietary REN platform and Dandelion cross‑border network give it flexibility and speed that many bank‑based competitors lack. At the same time, the company operates in very competitive spaces—payments, remittances, and digital content—where it faces pressure from global card networks, banks, new fintechs, and digital wallets, as well as regulatory and pricing pressure in many markets.

Innovation and R&D

Innovation and R&D Innovation is a central part of Euronet’s strategy. The REN platform is designed with modern, modular technology, allowing the company and its clients to roll out new payment features quickly and adapt to changing market needs. The Dandelion network is a key differentiator in cross‑border payments, offering faster and more transparent transfers than traditional correspondent banking. Planned expansions—such as integrating card issuing capabilities through the CoreCard acquisition and exploring stablecoin‑based settlement via the Fireblocks partnership—signal a push into next‑generation payment rails. The company is also deepening its digital capabilities across apps, wallets, and data analytics. The main risk is execution: integrating acquisitions, staying ahead of rapid fintech innovation, and navigating evolving regulations in digital assets and cross‑border payments will all be challenging.

Summary

Overall, Euronet appears to be a mature fintech infrastructure player showing steady growth, improving profitability, and strong cash generation, supported by a sizable global network and proprietary technology platforms. Its diversified business model across EFT processing, prepaid content, and money transfers provides multiple growth levers and some resilience when one area slows. The balance sheet and cash flow profile offer flexibility to keep investing in technology and strategic deals. On the other hand, the company operates in highly competitive, fast‑changing, and regulated markets. Key areas to watch include transaction volumes (especially travel and remittance flows), pricing pressure, regulatory shifts, and the company’s ability to execute on REN, Dandelion, and new initiatives like card issuing and digital asset integrations without overextending itself.

NEWS

October 22, 2025 · 10:25 PM UTC

Euronet Worldwide Reports Third Quarter 2025 Financial Results

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October 6, 2025 · 5:36 PM UTC

CoreCard Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of CoreCard Corporation - CCRD

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September 29, 2025 · 9:00 AM UTC

Dandelion Payments agreement with CBA to Transform Cross-Border Transfers

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September 25, 2025 · 9:00 AM UTC

Citi and Dandelion Collaborate to Transform Cross-Border Payments, Enabling Full Value, Near-Instant Payments into Digital Wallets Across the Globe

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