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Data-driven stock valuation

Euronet Worldwide Inc (EEFT) fair value: what the stock is really worth

We calculate from audited financials what Euronet Worldwide Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Technology · US · Market cap $3.2B · ISIN US2987361092

At a glance

EW Euronet Worldwide Inc logo Euronet Worldwide Inc EEFT · US
Price$70.55
Fair Value$170.70
Upside+142.0%
Quality65/100

A solid business, trading 59% below our fair value of $170.70.

As of Aug 27, 2026, the fair value of Euronet Worldwide Inc is $170.70 per share against a price of $70.55, so the fair value sits 142% above the price. A model estimate from reported figures, not an analyst target.

✓Healthy Growth (revenue 5y +11.3 %/yr)
!Thin margins · 7.1% net margin
✓Moderate debt · generates free cash flow
✓Ranks above peers (14/15)
!Moderate moat 53/100
Evidence: High Range $128.03 to $213.38

Fair value as of: Aug 27, 2026

From 26 valuation models · updated 14 days ago

Share price −0.5% over the past month.

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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 →

What matters now

  • The price is below even our cautious bear case ($128.03). The market is more pessimistic than our downside scenario.
  • Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.

Price vs Fair Value (5 years)

$156.96 $63.73 Fair Value $170.70 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.

How to read this chart

60‑month range $63.73 – $156.96 · fair‑value band $128.03 – $213.38 · the $70.55 price screens below the $170.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.

Full chart & analysis →

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Analysis

Euronet Worldwide Inc (EEFT) currently trades at $70.55, while our model-based Fair Value estimate is $170.70, implying the stock looks roughly 58.7% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Technology sector. Bull case: the Growth DCF group reads highest at a median of $258.76 per share, and 24 of the 26 models we run sit above the $70.55 price. Bear case: the Asset-Based group reads lowest at $23.01, and 2 of the 26 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Euronet Worldwide Inc generated revenue of $4.3B at a net margin of 7.1%. Revenue grew 10.5% year over year. It earns a return on equity of 24.7%. Net debt stands at $464M. Fundamentals as of Aug 27, 2026

Scenario range: $128.03 (bear) to $213.38 (bull), the price of $70.55 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat. The share trades about 38% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at −32% fair-value upside, at 142%, EEFT screens cheaper than that median.

Fair Value models

Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($4.73 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model 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. Evidence
Highest evidence
FCF DCF $160.10 $281.97 $532.32 77
Growth DCF $156.60 $283.86 $472.48 76
EPV $112.02 $126.91 $139.75 74
All 26 models by family
DCF Models
FCF DCF $160.10 $281.97 $532.32 77
Owner Earnings $129.50 $233.66 $421.71 73
5Y Revenue Exit $150.02 $263.00 $422.08 71
5Y EBITDA Exit $172.77 $312.58 $495.56 73
5Y P/E Exit $145.09 $252.25 $379.93 69
10Y Revenue Exit $147.72 $257.41 $437.94 65
10Y EBITDA Exit $167.26 $294.09 $501.45 66
10Y P/E Exit $148.89 $249.46 $401.51 62
Earnings-Based
Graham-Dodd $55.27 $306.95 $426.12 63
Lynch FV $85.69 $122.42 $159.14 61
PEG = 1.0 $85.69 $122.42 $159.14 57
EPV $112.02 $126.91 $139.75 74
Dividend Discount
Gordon GGM $105.83 $210.87 $319.32 67
DDM Multi-Stage $105.83 $182.24 $222.59 67
Multiples
P/E Multiple $128.03 $170.70 $213.38 63
P/S Multiple $103.64 $138.19 $172.73 58
P/B Multiple $103.64 $138.19 $172.73 55
EV/EBIT $195.24 $254.40 $313.56 66
EV/EBITDA $188.94 $246.01 $303.07 67
EV/Revenue $144.43 $198.72 $253.01 54
Asset-Based
NCAV (Graham) $17.17 $23.01 $34.34 54
Growth DCF
Growth DCF $156.60 $283.86 $472.48 76
Rev-Margin DCF $150.02 $258.76 $407.87 71
Economic Profit
Residual Income $47.90 $57.37 $147.78 68
ROIC Compounder $121.63 $149.85 $182.90 72
Growth Earnings
Growth-Adj P/E $129.03 $184.33 $239.63 67

Widest divergence: Growth DCF ($258.76) versus Asset-Based ($23.01). Highest evidence: FCF DCF (77).

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Key figures & financial health

P/E ratio 10.3
P/S ratio 0.75 P/E × margin
EPS (TTM) $6.82 price ÷ EPS = P/E 10.3
Net margin 7.3% FY2025
Return on equity 24.7% TTM
Return on assets (EBIT) 7.0% avg 5y
More key figures
Profitability
Operating margin 7.1% TTM
Growth
Revenue (TTM) $4.3B TTM
Revenue growth (YoY) +10.5% 3y avg +8.1%
EPS growth (YoY) −2.4%
Balance sheet & cash flow
Free cash flow $411M FY2025
Net debt $464M FY2025 · ≈ 1.1 yrs of FCF

Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 65/100

Of which business quality 62 · Market factors (momentum, volatility) 38

Profitability 51
Margins and returns on capital today
Quality Growth 54
Are margins and returns improving?
Cashflow 63
Earnings quality: real cash, not paper profit
Fin. Strength 43
Balance sheet, leverage, solvency risk
Investment 85
Disciplined investing over empire-building
Low Volatility 63
Calm price path (market factor)
Momentum 35
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Euronet Worldwide Inc reported revenue of $4.2B in FY2025 versus $3.0B in FY2021, a compound +9.1%/yr. Reported net income was $310M in FY2025, compounding +44.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Growth Quality 89/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
$4.2B
Latest YoY
+6.4%
Avg. revenue growth/yr (3Y) ⓘ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.
+8.1%
Avg. revenue growth/yr (5Y) ⓘ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.
+11.3%
Avg. revenue growth/yr (29Y) ⓘ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.
+32.2%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years, adjusted) plus dividend yield: value created per share and year.
+28.1%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+28.1%
Dividend yield0.0%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 12.1% vs 10Y 13.6%, steady
Operating margin (EBIT) ⓘ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.1.9% (2020) → 12.5% (2025) · rising
Worst earnings drop447% (2008) (loss year, drop beyond 100%) · in USD
Revenue +9.1%/yr
FY21 $3.0B
FY22 $3.4B
FY23 $3.7B
FY24 $4.0B
FY25 $4.2B
Net income +44.6%/yr
FY21 $70.7M
FY22 $231M
FY23 $280M
FY24 $306M
FY25 $310M
Character of growth · EPS growth decomposed (2014-2025) +11.5 % p.a.
Revenue per share +10.5 %

of which total revenue +9.2 % · buybacks/dilution +1.2 %

EBIT margin +0.9 %
Tax rate −0.5 %
Residual (interest, one-offs) +0.5 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Euronet Worldwide Inc · Fair Value
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Cite: Fair Value Calculator (2026). "Euronet Worldwide Inc Fair Value". https://www.fairvalue-calculator.com/stock/EEFT

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Software - Infrastructure · 368 stocks

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.

Valuation
Quality Score 65 · Top 25%
Fair Value upside +131% · Top 25%
Profitability
Return on equity (TTM) 25% · Top 25%
Return on assets 5% · Top 25%
Net margin (TTM) 7% · Above median
Operating margin (TTM) 7% · Above median
Growth and dividend
Revenue growth 11% · Above median
Dividend yield (TTM) 16.8% · Top 25%
Balance sheet
Debt / equity 0.79× · Highest 25%

Valuation Multiples vs Software - Infrastructure median · lower = cheaper

P/E (TTM) 10.3× · Cheapest 25%
P/B 2.38× · Cheaper than median
P/S (TTM) 0.72× · Cheapest 25%
P/FCF 7.6× · Cheaper than median
EV/EBITDA 3.6× · Cheapest 25%
PEG 0.55× · Cheapest 25%

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Euronet Worldwide Inc deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 years-4.7 % per year
Achieved revenue growth, 5 years+11.3 % p.a.
Sector median revenue growth+4.6 %
FCF yield on price12.72 %
Discount rate (WACC) in the models9.3 %

The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 0
FUTURE53 · sector 49
PAST99 · sector 15
HEALTH60 · sector 98
DIVIDEND100 · sector 26

Insider activity: 40/100

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

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $480.35 $365.74 −24%
Oracle Corporation ORCL $158.78 $117.84 −26%
Palo Alto Networks, Inc PANW $333.26 $36.50 −89%
Fortinet, Inc FTNT $156.29 $61.46 −61%
Synopsys, Inc SNPS $393.84 $101.19 −74%
Block, Inc XYZ A$111.01 A$70.69 −36%
CoreWeave, Inc CRWV $105.26 $71.79 −32%
NetApp, Inc NTAP $190.64 $154.83 −19%
Adyen N.V ADYEN €951.60 €707.53 −26%
MongoDB, Inc MDB $368.74 $93.91 −75%

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Frequently asked questions

Is Euronet Worldwide Inc (EEFT) overvalued or undervalued?
As of Aug 27, 2026, our model estimates a fair value of $170.70 versus a price of $70.55, about +142% upside (undervalued).
What is the fair value of EEFT?
Our model-based fair value for Euronet Worldwide Inc is $170.70 (as of Aug 27, 2026), built from audited fundamentals. The current price: $70.55.
What is the quality score of EEFT?
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 (EEFT)?
Our model-based price target is the fair value of $170.70 (as of Aug 27, 2026) from 26 valuation models. Cautious scenario $128.03, optimistic scenario $213.38. 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 $170.70, about +142% upside versus a price of $70.55 (undervalued). Cautious scenario $128.03, optimistic scenario $213.38. The calculation is refreshed regularly with new filings.
What is the revenue of Euronet Worldwide Inc (EEFT)?
Euronet Worldwide Inc reported trailing-twelve-month revenue of about $4.3B (latest available figure, as of Aug 27, 2026).
What is the net profit margin of EEFT?
The net profit margin of Euronet Worldwide Inc is about 7.1%, meaning it keeps roughly 7.1% of revenue as net income. Based on the latest reported figures.
What growth is priced into Euronet Worldwide Inc (EEFT)?
For today's price to be fair in a discounted-cash-flow model, Euronet Worldwide Inc would have to grow free cash flow by -4.7 % per year for ten years (discount rate 9.3 %, then 2 % perpetual growth). Over the last 5 years revenue grew +11.3 % per year. As of Aug 27, 2026.
What discount rate (WACC) does the fair value of EEFT use?
Our models discount Euronet Worldwide Inc at 9.3 %: a base by market capitalisation (mid), damped by beta 0.83, country premium for USA. The same rate applies in all 26 models.
What is the intrinsic value of Euronet Worldwide Inc (EEFT)?
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 $170.70 per share (as of Aug 27, 2026), against a price of $70.55. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Euronet Worldwide Inc stock overvalued or undervalued in 2026?
As of Aug 27, 2026, EEFT trades below its calculated fair value: price $70.55, fair value $170.70, a gap of about +142% (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 EEFT?
No. The price is what the market pays today ($70.55); the fair value is what the company's own numbers justify ($170.70). For Euronet Worldwide Inc the two are $100.15 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 $3.2B (market capitalisation, as of Aug 27, 2026). Per share that is $70.55; our models calculate a fair value of $170.70 per share.
What do the bullish and bearish scenarios say about EEFT?
Our models span a range for Euronet Worldwide Inc: cautious scenario $128.03, base $170.70, optimistic $213.38 per share (as of Aug 27, 2026, price $70.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EEFT?
Euronet Worldwide Inc trades at a price-to-earnings ratio of 10.3 (as of Aug 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $170.70 is built from several models across several years. Other multiples: PEG 0.6, P/B 2.4, P/S 0.7, EV/EBITDA 3.6.
What is the PEG ratio of EEFT?
The PEG ratio of Euronet Worldwide Inc is 0.55 (P/E divided by earnings growth, as of Aug 27, 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 (EEFT)?
Balance-sheet figures for Euronet Worldwide Inc (as of Aug 27, 2026): return on equity 24.7%, debt of 0.79 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is EEFT from its 52-week high?
Euronet Worldwide Inc trades at $70.55, about 38% below its 52-week high of $114.25 and 11% above the low of $63.73 (as of Aug 27, 2026). Distance from the high says nothing about value: that is what the fair value of $170.70 is for.
Which stocks are comparable to Euronet Worldwide Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palo Alto Networks, Inc, Fortinet, Inc, 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 Aug 27, 2026: price $70.55, calculated fair value $170.70 (+142%), Quality Score 65/100, from 26 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 EEFT calculated?
We run Euronet Worldwide Inc through 26 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 $170.70, with the spread shown as a cautious and an optimistic scenario.
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