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Euronet Worldwide, Inc. (E2EF34) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Euronet Worldwide, Inc. BRL 6.22, price BRL 2.20, upside +182.7%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Technology · BR · Home US

EW Thin data Sep 24, 2026

Euronet Worldwide, Inc.

E2EF34 · SA

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value R$6.22 · Strongly undervalued (+182.7%)
✓Quality 65/100
✓Healthy Growth (revenue 3y +8.1 %/yr)
!Thin margins · 7.1% net margin (TTM)
✓Moderate debt · generates free cash flow
✓Ranks above peers (8/10)
!Moderate moat 54/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$4.87 R$2.18 Fair Value R$6.22 Aug 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range R$2.18 – R$4.87 · fair‑value band R$3.99 – R$8.82 · the R$2.20 price screens below the R$6.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

Euronet Worldwide, Inc. (E2EF34) currently trades at R$2.20, while our model-based Fair Value estimate is R$6.22, implying the stock looks roughly 64.6% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of R$7.41 per share, and 20 of the 24 models we run sit above the R$2.20 price.

Bear case: the Asset-Based group reads lowest at R$0.8100, and 4 of the 24 models stay below the price. Evidence for this calculation is low.

Scenario range: R$3.99 (bear) to R$8.82 (bull), the price of R$2.20 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 65/100 (solid quality), in the Technology sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Euronet Worldwide, Inc. reported revenue of $4.2B in FY2025 versus $3.4B in FY2022, a compound +8.1%/yr. Reported net income was $310M in FY2025, compounding +10.2%/yr from FY2022.

Key figures

Market cap R$15.7B (≈ $3.0B) · P/E ratio 9.2 · P/S ratio 0.67 · EPS (TTM) R$0.2400 · Net margin 7.3% · Return on equity 24.7% · Return on assets (EBIT) 7.8% · Operating margin 7.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 31% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at 183%, E2EF34 screens cheaper than that median.

Fair Value models

Bear R$3.99 Fair Value R$6.22 Bull R$8.82
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$0.1815 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF R$4.66 R$7.41 R$11.51 76
Growth DCF R$4.72 R$7.11 R$10.44 75
Owner Earnings R$3.41 R$5.47 R$8.54 72
All 24 models by family
DCF Models
FCF DCF R$4.66 R$7.41 R$11.51 76
Owner Earnings R$3.41 R$5.47 R$8.54 72
5Y Revenue Exit R$4.15 R$6.78 R$10.14 69
5Y EBITDA Exit R$6.16 R$10.59 R$15.81 71
5Y P/E Exit R$4.84 R$8.10 R$11.53 67
10Y Revenue Exit R$4.16 R$6.58 R$9.85 63
10Y EBITDA Exit R$5.55 R$9.19 R$14.12 64
10Y P/E Exit R$4.72 R$7.48 R$10.90 61
Earnings-Based
Graham-Dodd R$1.92 R$6.31 R$8.44 62
Lynch FV R$1.42 R$2.03 R$2.63 58
PEG = 1.0 R$1.42 R$2.03 R$2.63 55
EPV R$3.13 R$3.67 R$4.15 71
Multiples
P/E Multiple R$5.94 R$7.92 R$9.91 63
P/S Multiple R$3.61 R$4.81 R$6.01 58
P/B Multiple R$3.61 R$4.81 R$6.01 55
EV/EBIT R$8.37 R$11.27 R$14.18 66
EV/EBITDA R$7.90 R$10.65 R$13.40 67
EV/Revenue R$4.05 R$5.94 R$7.83 53
Asset-Based
NCAV (Graham) R$0.6000 R$0.8100 R$1.21 54
Growth DCF
Growth DCF R$4.72 R$7.11 R$10.44 75
Rev-Margin DCF R$4.15 R$6.79 R$9.88 69
Economic Profit
Residual Income R$1.65 R$2.10 R$3.43 65
ROIC Compounder R$3.38 R$4.31 R$5.37 69
Growth Earnings
Growth-Adj P/E R$4.86 R$6.95 R$9.03 65

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Quality Score breakdown

Overall quality 65/100

Of which business quality 62 · Market factors (momentum, volatility) 29

Profitability 51
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 64
Earnings quality: real cash, not paper profit
Fin. Strength 44
Balance sheet, leverage, solvency risk
Investment 84
Disciplined investing over empire-building
Low Volatility 56
Calm price path (market factor)
Momentum 26
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+11.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.1%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 13%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 355 stocks

Beats the industry median on 8/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 65 · Top 25%
Fair Value upside +194.8% · Top 25%
Profitability
Return on equity (TTM) 24.7% · Top 25%
Return on assets 5.3% · Above median
Net margin (TTM) 7.1% · Above median
Operating margin (TTM) 7.1% · Above median
Growth and dividend
Revenue growth 10.5% · Below median
Balance sheet
Debt / equity 0.78× · Highest 25%

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/E (TTM) 9.2× · Cheapest 25%
PEG 0.56× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 24
FUTURE (revenue growth)53 · sector 60
PAST (return on equity)99 · sector 23
HEALTH (low debt)61 · sector 98
DIVIDEND (yield)0 · sector 34

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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R$6.22 +65%Fair Value
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Cite: Fair Value Calculator (2026). "Euronet Worldwide, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/E2EF34

Frequently asked questions

Is Euronet Worldwide, Inc. (E2EF34) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R$6.22 versus a price of R$2.20, about +183% upside (undervalued).
What is the fair value of E2EF34?
Our model-based fair value for Euronet Worldwide, Inc. is R$6.22 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$2.20.
What is the quality score of E2EF34?
Euronet Worldwide, Inc. has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Euronet Worldwide, Inc. (E2EF34)?
Our model-based price target is the fair value of R$6.22 (as of Sep 24, 2026) from 24 valuation models. Cautious scenario R$3.99, optimistic scenario R$8.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Euronet Worldwide, Inc. stock forecast for 2026?
Our models put fair value at R$6.22, about +183% upside versus a price of R$2.20 (undervalued). Cautious scenario R$3.99, optimistic scenario R$8.82. The calculation is refreshed regularly with new filings.
What is the revenue of Euronet Worldwide, Inc. (E2EF34)?
Euronet Worldwide, Inc. reported trailing-twelve-month revenue of about $4.3B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Euronet Worldwide, Inc. (E2EF34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Euronet Worldwide, Inc. it is R$6.22 per share (as of Sep 24, 2026), against a price of R$2.20. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Euronet Worldwide, Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, E2EF34 trades below its calculated fair value: price R$2.20, fair value R$6.22, a gap of about +183% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of E2EF34?
No. The price is what the market pays today (R$2.20); the fair value is what the company's own numbers justify (R$6.22). For Euronet Worldwide, Inc. the two are R$4.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is Euronet Worldwide, Inc. worth?
The market values Euronet Worldwide, Inc. at about R$15.7B (market capitalisation, as of Sep 24, 2026). Per share that is R$2.20; our models calculate a fair value of R$6.22 per share.
What do the bullish and bearish scenarios say about E2EF34?
Our models span a range for Euronet Worldwide, Inc.: cautious scenario R$3.99, base R$6.22, optimistic R$8.82 per share (as of Sep 24, 2026, price R$2.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of E2EF34?
Euronet Worldwide, Inc. trades at a price-to-earnings ratio of 9.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$6.22 is built from several models across several years. Other multiples: PEG 0.6.
What is the PEG ratio of E2EF34?
The PEG ratio of Euronet Worldwide, Inc. is 0.56 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Euronet Worldwide, Inc. (E2EF34)?
Balance-sheet figures for Euronet Worldwide, Inc. (as of Sep 24, 2026): return on equity 24.7%, debt of 0.78 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is E2EF34 from its 52-week high?
Euronet Worldwide, Inc. trades at R$2.20, about 31% below its 52-week high of R$3.21 and 1% above the low of R$2.18 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$6.22 is for.
Which stocks are comparable to Euronet Worldwide, Inc.?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Euronet Worldwide, Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price R$2.20, calculated fair value R$6.22 (+183%), Quality Score 65/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of E2EF34 calculated?
We run Euronet Worldwide, Inc. through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$6.22, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Euronet Worldwide, Inc. currently trades 65 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Euronet Worldwide, Inc. (E2EF34)?
The closing price on Oct 2, 2026 was R$2.20. Our model-based fair value is R$6.22, about +183% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Euronet Worldwide, Inc. right now?
The price is below even our cautious bear case (R$3.99). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (R$3.99 to R$8.82) leaves room in how you read the outcome.

Key figures of Euronet Worldwide, Inc.

How large is the market capitalisation of Euronet Worldwide, Inc. (E2EF34)?
The market capitalisation of Euronet Worldwide, Inc. is R$15.7B (≈ $3.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Euronet Worldwide, Inc. (E2EF34)?
The price-to-sales ratio of Euronet Worldwide, Inc. is 0.67 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Euronet Worldwide, Inc. (E2EF34)?
Earnings per share at Euronet Worldwide, Inc. are R$0.2400 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Euronet Worldwide, Inc. (E2EF34)?
The net margin of Euronet Worldwide, Inc. is 7.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Euronet Worldwide, Inc. (E2EF34)?
The return on equity (ROE) of Euronet Worldwide, Inc. is 24.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Euronet Worldwide, Inc. (E2EF34)?
On an EBIT basis the return on assets of Euronet Worldwide, Inc. is 7.8% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Euronet Worldwide, Inc. (E2EF34)?
The operating margin of Euronet Worldwide, Inc. is 7.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Euronet Worldwide, Inc. (E2EF34)?
Revenue at Euronet Worldwide, Inc. is growing +10.5% versus a year earlier (3y avg +8.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Euronet Worldwide, Inc. (E2EF34)?
Earnings per share at Euronet Worldwide, Inc. are growing −2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Euronet Worldwide, Inc. (E2EF34) generate?
The free cash flow of Euronet Worldwide, Inc. is $434M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Euronet Worldwide, Inc. (E2EF34) carry?
The net debt of Euronet Worldwide, Inc. is $330M (fiscal year 2025, ≈ 0.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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