COMPARE · Reviewed August 7, 2026
EEFT vs FOUR
Verdict: Side-by-side breakdown using the Bull Rankings model. EEFT scored 76.6, FOUR scored 74.5 — EEFT leads.
Compare another set
EEFT
Euronet Worldwide, Inc.
76.6
$73.07 · $2.7B
fundamentals as of
Score gap
2.1
EEFT leads
FOUR
Shift4 Payments, Inc.
74.5
$43.36 · $4.3B
fundamentals as of
The model, pillar by pillar (0–100 each)
EEFT
stronger →← stronger
FOUR
66
Qualityreturns · margins · balance sheet
55
77
Growthrevenue & earnings expansion
100
89
Valuevaluation vs sector peers
76
EEFT is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
EEFT
FOUR
$269mC
FCF
$433mC
+6.4%C+
Rev
+32.4%A
2.25D
D/E
2.57D
11.6xA
P/E
49.8xC+
0.53A-
PEG
0.38A
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
EEFT
FOUR
50% below
Price vs fair valuelower is cheaper
39% below
~-9%/yr
Growth the price implies10-yr FCF · lower = less priced in
~0%/yr
+80%
1-yr DCF upside
+32%
+99%
5-yr DCF upside
+65%
+132%
10-yr DCF upside
+125%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
EEFT
Why this score
- Buying back stock
- Durable high returns
FOUR
Why this score
- Buying back stock
The companies
EEFTEuronet Worldwide, Inc.
Why now
Software - Infrastructure · market cap $2.7b. Down 26% from 52-week high of $98.52 — deep drawdown territory. PEG 0.53 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $87.50 (implying +20% upside).
Moat
ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
D/E 2.25 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Customer concentration — many software businesses depend on a handful of enterprise accounts; the loss of one $10M+ contract can swing the next quarter's growth narrative.
FOURShift4 Payments, Inc.
Why now
Software - Infrastructure · market cap $4.3b. Down 53% from 52-week high of $92.79 — deep drawdown territory. Revenue growing +32% — in hypergrowth territory. PEG 0.38 — paying under fair value for the growth rate. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $60.29 (implying +39% upside).
Moat
Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
D/E 2.57 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Down 53% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 1.41 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.