Euronet Worldwide Inc. (EEFT) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$2.94	$2.82	-4.1%	—	$1.1B	—
Q4 25	$2.46	$2.39	-2.8%	—	$1.1B	—
Q3 25	$3.61	$3.62	+0.3%	—	$1.1B	—
Q2 25	$2.66	$2.56	-3.8%	—	$1.1B	—
Q1 25	$1.09	$1.13	+3.7%	—	$915.5M	—
Q4 24	$2.06	$2.08	+1.0%	—	$1B	—
Q3 24	$3.11	$3.03	-2.6%	—	$1.1B	—
Q2 24	$2.29	$2.25	-1.7%	—	$986.2M	—
Q1 24	$1.04	$1.28	+23.1%	—	$857M	—
Q4 23	$1.76	$1.88	+6.8%	—	$957.7M	—
Q3 23	$2.7	$2.72	+0.7%	—	$1B	—
Q2 23	$2.01	$2.03	+1.0%	—	$939.1M	—
Q1 23	$0.85	$0.87	+2.4%	—	$787.2M	—
Q4 22	$1.24	$1.39	+12.1%	—	$865.7M	—
Q3 22	$2.56	$2.74	+7.0%	—	$931.3M	—
Q2 22	$1.69	$1.73	+2.4%	—	$843.3M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$7.87	—	—	$4.2B	—
FY24	—	$7	—	—	$4B	—
FY23	—	$5.77	—	—	$3.7B	—
FY22	—	$4.64	—	—	$3.4B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$2B	$2.3B	$2.5B	$2.8B	$2.5B	$3B	$3.4B	$3.7B	$4B	$4.2B
YoY change	+10.5%	+15%	+12.6%	+8.42%	-9.72%	+20.7%	+12.1%	+9.8%	+8.18%	+6.38%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	2B	2.3B	2.5B	2.8B	2.5B	3B	3.4B	3.7B	4B	4.2B
Cost of revenue	1.2B	1.4B	1.5B	1.6B	1.6B	1.9B	2B	2.2B	2.4B	2.5B
Gross profit	784.1M	896.2M	1B	1.2B	906M	1.1B	1.3B	1.5B	1.6B	1.8B
Gross margin	40%	39.8%	41.3%	43.4%	36.5%	36.6%	39.9%	39.7%	40.1%	41.3%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	453.8M	501.1M	577.2M	606.7M	625.8M	736.9M	819.3M	899.7M	965.5M	1.1B
Operating expenses	453.8M	501.1M	577.2M	606.7M	625.8M	736.9M	819.3M	899.7M	965.5M	1.1B
Operating income	249.8M	300.1M	365M	475.2M	153.2M	222.6M	385.4M	432.6M	503.2M	530M
Operating margin	12.8%	13.3%	14.4%	17.3%	6.17%	7.43%	11.5%	11.7%	12.6%	12.5%
Non-operating income, net	9.8M	-13.6M	-33.8M	-7.1M	-109.5M	-49.4M	-27.3M	8.2M	2.4M	-20.5M
Pretax income	232.9M	256.3M	294.9M	433.8M	8.2M	135.6M	322.6M	400.4M	448.9M	448.2M
Income tax	58.8M	99.4M	62.8M	87.1M	11.5M	65.1M	91.9M	120.9M	142.6M	135.2M
Net income	174.1M	156.9M	232.1M	346.7M	-3.3M	70.5M	230.7M	279.5M	306.3M	313M
Net margin	8.89%	6.97%	9.15%	12.6%	-0.13%	2.35%	6.87%	7.58%	7.68%	7.37%
EBITDA	352M	397.7M	472.2M	579.1M	282.2M	359.1M	524.2M	580.9M	680.3M	696.6M
EPS	3.33	2.97	4.49	6.4	-0.06	1.38	4.64	5.77	7	7.87
Diluted EPS	3.25	2.86	4.28	6.35	-0.06	1.33	4.41	5.5	6.45	6.84

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	1B	957.7M	857M	986.2M	1.1B	1B	915.5M	1.1B	1.1B	1.1B	1B	1.1B
Cost of revenue	576.7M	596.4M	533.7M	580.8M	634M	640.8M	561M	620.6M	643.9M	665.1M	617.4M	639.6M
Gross profit	427.3M	361.3M	323.3M	405.4M	465.3M	406.5M	354.5M	453.7M	501.8M	443.6M	394.4M	468.8M
Gross margin	42.6%	37.7%	37.7%	41.1%	42.3%	38.8%	38.7%	42.2%	43.8%	40%	39%	42.3%
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	227.5M	230.4M	226.6M	237.4M	250.2M	251.3M	247.1M	261.3M	272M	304.7M	282.5M	291.7M
Operating expenses	227.5M	230.4M	226.6M	237.4M	250.2M	251.3M	247.1M	261.3M	272M	304.7M	282.5M	291.7M
Operating income	167M	97.4M	64M	134.3M	182.2M	122.7M	75.2M	158.6M	195M	101.2M	72M	137.1M
Operating margin	16.6%	10.2%	7.47%	13.6%	16.6%	11.7%	8.21%	14.8%	17%	9.13%	7.12%	12.4%
Non-operating income, net	-8.8M	11.9M	-12.6M	2.3M	43.9M	-31.2M	-15.6M	-5.3M	1.5M	-1.1M	4.3M	3M
Pretax income	147.2M	97.9M	42.2M	122.4M	208.4M	75.9M	45.5M	131.3M	180.2M	91.2M	66.3M	124.3M
Income tax	43M	28.4M	16M	39.2M	56.8M	30.6M	7.1M	33.6M	55.1M	39.4M	29M	46.7M
Net income	104.2M	69.5M	26.2M	83.2M	151.6M	45.3M	38.4M	97.7M	125.1M	51.8M	37.3M	77.6M
Net margin	10.4%	7.26%	3.06%	8.44%	13.8%	4.33%	4.19%	9.09%	10.9%	4.67%	3.69%	7%
EBITDA	203.8M	136.3M	102.3M	174.7M	238.1M	165.2M	115.2M	199M	237.4M	145M	111.9M	185.1M
EPS	2.15	1.51	0.57	1.83	3.45	1.03	0.89	2.38	3.07	1.31	0.98	2.07
Diluted EPS	2.05	1.43	0.55	1.73	3.21	0.98	0.85	2.27	2.75	1.08	0.83	1.71

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	3.8B	4.5B	5.3B	8.5B	7.6B	6.1B	4.7B	4.9B	4.5B	—	2.7B
Enterprise value	3.7B	4.1B	5.2B	8.6B	7.4B	5.9B	4.8B	5.2B	4.7B	—	3.3B
Shares outstanding	52.3M	52.8M	51.8M	54.2M	52.7M	51.1M	49.8M	48.5M	43.7M	39.3M	39.3M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	21.8	28.4	22.9	24.6	—	86.5	20.4	17.6	14.7	—	11.2
P/S	1.93	1.98	2.09	3.11	3.08	2.03	1.4	1.33	1.13	—	0.63
P/B	4.21	3.71	4.3	5.41	5.29	4.85	3.78	3.94	3.66	—	2.19
EV/EBITDA	10.4	10.3	10.9	14.8	26.3	16.4	9.2	8.87	6.85	—	5.08
EV/Sales	1.87	1.82	2.03	3.11	2.99	1.96	1.44	1.4	1.17	—	0.76
Earnings yield	4.6%	3.53%	4.38%	4.06%	—	1.16%	4.91%	5.68%	6.81%	—	8.91%
FCF yield	8.03%	4.25%	5.37%	4.37%	2.04%	5.15%	13.7%	11.2%	13.7%	—	11.5%
PEG	—	—	—	—	—	—	—	—	—	—	-0.86

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	40%	39.8%	41.3%	43.4%	36.5%	36.6%	39.9%	39.7%	40.1%	41.3%	42.3%
Operating margin	12.8%	13.3%	14.4%	17.3%	6.17%	7.43%	11.5%	11.7%	12.6%	12.5%	12.4%
Net margin	8.89%	6.97%	9.15%	12.6%	-0.13%	2.35%	6.87%	7.58%	7.68%	7.37%	6.59%
ROE	19.3%	13.1%	18.8%	22%	-0.23%	5.62%	18.5%	22.4%	24.9%	23.7%	22.4%
ROA	6.42%	5%	6.99%	7.44%	-0.07%	1.49%	4.27%	4.74%	5.25%	4.82%	4.84%
ROIC	24.2%	21.9%	26.5%	23.7%	0%	11.1%	20.2%	20.4%	24.7%	20.5%	17.1%
Return on tangible assets	17.4%	11.2%	13.8%	13.1%	-0.11%	2.44%	7.63%	7.98%	9.32%	9.52%	7.37%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	1.34	1.34	1.51	1.79	1.81	1.79	1.58	1.54	1.25	1.11	1.37
Quick ratio	1.28	1.27	1.51	1.79	1.81	1.79	1.58	1.54	1.25	1.11	1.37
Debt / equity	0.67	0.38	0.51	0.93	1.11	1.27	1.42	1.61	1.7	1.65	2.25
Debt / assets	0.22	0.15	0.19	0.32	0.33	0.33	0.33	0.34	0.36	0.34	0.43
Net debt / EBITDA	-0.37	-0.9	-0.31	0.04	-0.81	-0.6	0.23	0.4	0.24	0.7	0.92
Interest coverage	9.22	8.87	8.85	13	1.22	4.54	9.6	8.2	6.58	6.3	7.45
Effective tax rate	25.2%	38.8%	21.3%	20.1%	100%	48%	28.5%	30.2%	31.8%	30.2%	36.8%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	37.4	42.7	49	50.7	47.1	58.6	67.4	76.1	91.2	107.9	110.7
EPS (basic)	3.33	2.97	4.49	6.4	-0.06	1.38	4.64	5.77	7	7.87	7.87
EPS (diluted)	3.25	2.86	4.28	6.35	-0.06	1.33	4.41	5.5	6.45	6.84	6.43
Book value per share	17.2	22.7	23.8	29.1	27.4	24.5	25	25.8	28.1	33.6	32.9
FCF per share	5.81	3.58	5.49	6.88	2.96	6.14	12.9	11.3	14.1	11	5.82
Cash per share	14	15.5	15.1	26.8	34.7	35.3	33.1	36.7	44	43	58.4
Capex per share	1.67	1.84	2.17	2.42	1.85	1.8	2.09	1.95	2.68	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	4.46%	4.32%	4.43%	4.77%	3.93%	3.08%	3.11%	2.56%	2.94%	—	—
Capex / operating cash flow	48.9%	101.3%	25.4%	28.9%	46.6%	49.8%	35.5%	26.3%	17.4%	—	—
Payout ratio	—	—	—	—	—	—	—	—	—	—	0%

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$1B	$957.7M	$857M	$986.2M	$1.1B	$1B	$915.5M	$1.1B	$1.1B	$1.1B	$1B	$1.1B
YoY change	+7.81%	+10.6%	+8.87%	+5.02%	+9.49%	+9.36%	+6.83%	+8.93%	+4.22%	+5.86%	+10.5%	+3.17%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	734.4M	819.1M	780.4M	1.5B	1.8B	1.8B	1.6B	1.8B	1.9B	1.7B
Receivables	503M	744.9M	202.5M	201.9M	117.5M	203M	270.8M	370.6M	284.9M	334.5M
Inventory	78.1M	95.7M	—	—	—	—	—	—	—	—
Total current assets	1.6B	1.9B	2.1B	2.9B	3.4B	3.3B	3.7B	4.2B	4B	4.3B
Property, plant & equipment	202.1M	268.3M	291.9M	737.5M	540.5M	506.9M	486.3M	474.7M	461.8M	529.2M
Goodwill & intangibles	1.7B	1.7B	1.6B	2B	2B	1.9B	2.4B	2.4B	2.5B	3.2B
Total assets	2.7B	3.1B	3.3B	4.7B	4.9B	4.7B	5.4B	5.9B	5.8B	6.5B
Accounts payable	456.7M	494.8M	72.9M	81.7M	147.6M	193.5M	222.4M	241.2M	223.8M	268.7M
Short-term debt	35.5M	46.7M	43.5M	139.4M	59.6M	57.1M	53.3M	202.2M	862.3M	1B
Total current liabilities	1.2B	1.4B	1.4B	1.6B	1.9B	1.9B	2.4B	2.7B	3.2B	3.9B
Long-term debt	568.6M	413.8M	589.8M	1.3B	1.5B	1.5B	1.7B	1.8B	1.2B	1.1B
Total liabilities	1.8B	1.9B	2.1B	3.1B	3.5B	3.5B	4.2B	4.6B	4.6B	5.2B
Shareholders' equity	900.6M	1.2B	1.2B	1.6B	1.4B	1.3B	1.2B	1.2B	1.2B	1.3B
Total debt	604.1M	460.4M	633.3M	1.5B	1.6B	1.6B	1.8B	2B	2.1B	2.2B
Net debt	-130.3M	-358.7M	-147.2M	20.6M	-227.6M	-215.3M	118.3M	234M	161.5M	486.7M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	1.7B	1.8B	1.8B	2.1B	2.3B	1.9B	2.1B	2.3B	2B	1.7B	2.1B	—
Receivables	300.6M	370.6M	407.6M	428.1M	273.2M	284.9M	330.5M	328.4M	297.2M	334.5M	310.7M	—
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	3.5B	4.2B	3.9B	4.3B	4.4B	4B	4.2B	4.5B	4.2B	4.3B	4.2B	—
Property, plant & equipment	467.9M	474.7M	468.4M	475.4M	483.2M	461.8M	483.5M	517.5M	517.5M	529.2M	513.3M	—
Goodwill & intangibles	2B	2.4B	2.1B	2.2B	2.2B	2.5B	2.1B	2.3B	2.3B	3.2B	3.1B	1.5B
Total assets	5.2B	5.9B	5.7B	6.1B	6.3B	5.8B	6.1B	6.6B	6.3B	6.5B	6.3B	—
Accounts payable	207M	241.2M	280.1M	268.4M	265.8M	223.8M	249M	253.8M	209.5M	268.7M	263.2M	—
Short-term debt	501M	202.2M	727.1M	1.3B	1.1B	862.3M	346.2M	1.5B	1.3B	1B	1B	—
Total current liabilities	2.6B	2.7B	3B	3.6B	3.5B	3.2B	2.6B	3.9B	3.7B	3.9B	3.3B	—
Long-term debt	1.4B	1.8B	1.4B	1.1B	1.3B	1.2B	2B	1.1B	1.2B	1.1B	1.7B	—
Total liabilities	4B	4.6B	4.5B	4.8B	4.9B	4.6B	4.8B	5.2B	5B	5.2B	5.1B	—
Shareholders' equity	1.1B	1.2B	1.2B	1.2B	1.4B	1.2B	1.3B	1.4B	1.3B	1.3B	1.2B	—
Total debt	1.9B	2B	2.1B	2.4B	2.4B	2.1B	2.4B	2.6B	2.5B	2.2B	2.7B	—
Net debt	181.2M	234M	247.7M	348.8M	94.2M	161.5M	256.1M	326.2M	438.1M	486.7M	604M	—

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	174.1M	156.9M	232.1M	346.7M	-3.3M	70.5M	230.7M	279.5M	306.3M	313M
Depreciation & amortization	80.5M	95M	106M	111.7M	127M	135.8M	135.9M	132.9M	131.8M	138.5M
Stock-based compensation	15M	15.6M	16.8M	21.4M	22M	36.5M	44.1M	53.7M	43.9M	55.1M
Change in working capital	-85.2M	-174.2M	71.9M	-59.4M	69M	-75.6M	-128.6M	-125.4M	170M	85.9M
Operating cash flow	178.7M	96M	443.4M	454.7M	209.6M	185.1M	293.7M	358.4M	674.6M	559.8M
Capital expenditure	-87.4M	-97.2M	-112.5M	-131.3M	-97.6M	-92.2M	-104.3M	-94.4M	-117.2M	—
Investing cash flow	-136.3M	-101.9M	-132.3M	-229M	-105.5M	-98.1M	-453.8M	-157.6M	-223.3M	-13M
Dividends paid	—	—	—	—	—	—	—	—	—	—
Share repurchases	-77.4M	-3.1M	-177.9M	-74.5M	-241.5M	-229.9M	-176M	-378.4M	-268.6M	-667.7M
Financing cash flow	79.5M	-161.1M	2M	384.2M	30.2M	-199M	-7.7B	-7.8B	-135.7M	-1.3B
Net change in cash	121.8M	-167M	313.1M	609.8M	134.3M	-112M	-7.9B	-7.6B	315.6M	-751.7M
Free cash flow	304.1M	189M	284.7M	373.2M	155.9M	314.1M	644M	548.7M	615.6M	434.3M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	104.2M	69.5M	26.2M	83.2M	151.6M	45.3M	38.4M	97.7M	125.1M	51.8M	37.3M	77.6M
Depreciation & amortization	32.8M	33.5M	32.7M	33.7M	32.9M	32.5M	32.2M	33.8M	34.8M	37.7M	39.9M	40M
Stock-based compensation	12.7M	14.2M	12.5M	10.2M	10.6M	10.6M	11.2M	13.8M	14.8M	15.3M	14.8M	15.7M
Change in working capital	-110.1M	-69.4M	-12.6M	-51.6M	257.1M	-22.9M	-95.9M	-3.3M	64.7M	120.4M	-84.1M	-121.6M
Operating cash flow	37M	68.4M	64.1M	79.1M	460.5M	70.9M	-30.5M	132.4M	197.3M	177.9M	-122M	148M
Capital expenditure	-27.2M	-25.3M	-23.8M	-33.4M	-25.8M	-34.2M	-23.2M	-34.6M	—	—	—	—
Investing cash flow	-29.1M	-83M	-96.8M	-58.4M	-30M	-38.1M	-54.7M	-34.2M	-13.4M	31.5M	-1.7M	-11.5M
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	-296.1M	-53M	-2.1M	-114.2M	-101.3M	-51M	-63.2M	-247.4M	-131.3M	-225.8M	-102.4M	-49.9M
Financing cash flow	-312.7M	-1.3B	81.3M	-335.6M	-119.1M	-321.1M	162.6M	-512M	-236M	-1B	441.3M	-494.6M
Net change in cash	-304.8M	-1.4B	48.6M	-314.9M	311.4M	-288.3M	77.4M	-413.8M	-52.1M	-810.2M	317.6M	-358.1M
Free cash flow	260M	110.4M	6.2M	148.8M	414.5M	46.1M	-21.5M	148.5M	161.2M	146.3M	-150.5M	111.9M

Euronet Worldwide Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement