Stock analysis · Bull Rankings model

EEFT analysis

Euronet Worldwide, Inc. — Software - Infrastructure. Scored on the same transparent model behind the daily rankings.

★
EEFT
Euronet Worldwide, Inc. · Software - Infrastructure
FCF$269mC
Rev+6.4%C+
D/E2.25D
P/E11.1xA
PEG0.50A
76.2Score
$70.07$2.6B
1Y Target$87.50Analyst consensus · 6 analysts
5Y Target$110.47Compound horizon
10Y Target$141.67Long-dated conviction
FCF$269mTTM · 06/26
C
FCF $269m — modest; watch for margin expansion · TTM computed from 4 most-recent quarters (TTM · 06/26).
Rev+6.4%FY YoY
C+
Revenue +6.4% — steady but below market-beating range · Computed from last two annual revenue figures (FY YoY).
D/E2.25
D
D/E 2.25 — most levered decile in Technology (≈95th pctile)
P/E11.1x
A
P/E 11.1 — cheapest decile in Technology (≈10th pctile)
PEG0.50
A
PEG 0.50 — exceptional; paying well under fair value for growth

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Quality-growth score · 76.2
Quality65.0
Growth72.3
Value94.1
Why this score
  • Buying back stock
  • Durable high returns
Entry · Margin of safety
52-week rangeNear 52-week low
29% off the 12-month high
vs DCF fair value53% belowest. fair value ~$148
What the price assumes: free cash flow compounding at ~-10% a year for the next decade — vs the ~12% a year our model projects from current growth and analyst estimates.

Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.

Why now
EEFT is poised to dominate the global ATM and electronic funds transfer ecosystem as merchants and banks double‑down on cash‑less, cross‑border payments, and its EFT segment is the engine driving that growth. The business trades at a PE of 11.2 and a PEG of 0.51 while delivering a 6.4% YoY revenue growth and a free‑cash‑flow yield of roughly $306 m on a $2.7 b market cap, meaning the current price already embeds a 12% negative FCF growth assumption that is far more pessimistic than the actual earnings trajectory. The thesis rests on the compounding of high‑margin ATM‑network fees and card‑issuing services that will keep ROE above 20% as the company reinvests cash into buybacks.
Moat
EEFT’s moat lives in its integrated EFT platform that locks banks, retailers and consumers into a single ATM‑withdrawal, POS and dynamic‑currency‑conversion network, creating high switching costs and economies of scale. The 22.4% ROE stems from pricing power in ATM surcharge fees and the ability to monetize prepaid‑card issuing across dozens of jurisdictions, a capability few rivals can replicate quickly.
Risk
The bear case hinges on the accelerating debt load— a debt‑to‑equity of 2.25— which could crimp cash flow if interest rates stay high, and a modest profit margin of only 6.6% that leaves little cushion for a slowdown in cash‑withdrawal volumes. A widening spread between the current price and the analyst consensus target would signal that the market is pricing in a margin contraction, confirming the downside risk.
Horizon
1-3 yr $87.50 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $110.47 at ~10% CAGR — dividend + buyback compounding. 10 yr $141.67 if the moat survives secular pressure.
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.

EEFT vs the Top Picks average

PillarEEFTBook avgDiff
Quality0.650.84-0.19
Growth0.720.84-0.12
Value0.940.78+0.16

Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.

Score history · EEFT
Trend
-2.1 over 47 daily scores
From 78.3 (Jun 22) → 76.2 (now)

One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.

Analyst estimate revisions

30-day change-1.4%
90-day change-1.5%
Forward EPS estimate$11.99

Over the last 90 days, what analysts expect EEFT to earn is drifting lower (-1.5%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →

Position sizing · EEFT
Shares to buy
28
Position size
$1,962
3.9% of portfolio
Stop price
$52.55
25% below $70.07
$ at risk if stopped
$490.49
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

Latest EEFT developments

Recent headlines from across the financial press · updated daily. Links open the source.

Euronet Worldwide, Inc. (EEFT): score, valuation & FAQ

Euronet Worldwide, Inc. (EEFT) is a Software - Infrastructure company that scores 76.2 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.

Its strongest graded signals are P/E (A) and PEG (A), while D/E (D) rate weaker. On valuation, EEFT sits about 53% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -10% annual free-cash-flow growth over the next decade.

Is EEFT a good stock to buy?

Bull Rankings scores EEFT 76.2 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by P/E (A) and PEG (A). A score is a quantitative screen of Euronet Worldwide, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

Why does EEFT score 76.2 on Bull Rankings?

The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). EEFT earns its highest marks on P/E (A) and PEG (A), and is held back by D/E (D). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.

Is EEFT overvalued or undervalued?

Based on $70.07, EEFT sits about 53% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -10% annual free-cash-flow growth over the next decade. It trades at a 11.1x P/E (graded A). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.

What are the main risks of investing in EEFT?

The bear case hinges on the accelerating debt load— a debt‑to‑equity of 2.25— which could crimp cash flow if interest rates stay high, and a modest profit margin of only 6.6% that leaves little cushion for a slowdown in cash‑withdrawal volumes. A widening spread between the current price and the analyst consensus target would signal that the market is pricing in a margin contraction, confirming the downside risk.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.

More Payments & Fintech Software stocks by score

All Technology rankings →

Analyze another ticker →