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Stock research / United States / EEFT · Functions Related To Depository Banking, Nec · Nasdaq

Euronet Worldwide, Inc. (EEFT)

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Euronet Worldwide, Inc. (EEFT) reported revenue of $1.1 billion for Q2 FY2026, the quarter ended 30 June 2026, up 3.2% on the same quarter a year earlier. Net income was $77 million, down 20.7% on the year, and diluted earnings per share $1.71. The figures are the company's own, from the 10-Q it filed with the SEC on 4 August 2026.

Revenue$1.1 billionup 3.2%
Net income$77 milliondown 20.7%
Diluted EPS$1.71
QuarterQ2 FY2026ended 30 June 2026

Euronet Worldwide (EEFT) in brief

Euronet Worldwide (EEFT) reported revenue of $4.2 billion for fiscal 2025, the year ended 31 December 2025, up 6.4% on the year before.
Read moreNet income was $310 million and diluted earnings per share $6.84. Revenue was $4.0 billion in fiscal 2024, $3.7 billion in fiscal 2023, $3.4 billion in fiscal 2022 and $3.0 billion in fiscal 2021. Net income in the same years was $306 million, $280 million, $231 million and $71 million. Over the twelve months to 30 June 2026, Euronet Worldwide reported revenue of $4.4 billion and net income of $288 million. Revenue grew 11.3% a year, compounded, over the five years to fiscal 2025. Euronet Worldwide had 37 million shares outstanding at the latest filed count. At 30 June 2026 it carried $2.7 billion of debt and $1.2 billion of cash. At the close of 8 October 2026 the market cap of Euronet Worldwide was $2.4 billion, 10.0 times its earnings over the last twelve months.

Ratios

From the filings

ROE23.4%
ROCE13.0%
Operating margin11.5%
Net margin6.6%
FCF margin6.1%
Interest cover7.05
Debt to equity2.16
Cash conversion1.39
Share count, 1 year-8.8%
Sales CAGR, 3 years8.1%
Profit CAGR, 3 years10.2%
EPS, TTM$6.37

At the close of 8 October 2026

Price$63.66
Market cap$2.4 billion
Stock P/E9.99
Price to book1.94
EV / EBITDA5.84
Dividend yieldn/a
Market cap / sales0.54
52-week high$89.12
52-week low$62.52
Price, 1 year-26.4%
Price CAGR, 3 years-5.3%
Price CAGR, 5 years-13.5%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest daily close from SimFin. Debt to equity here stands on the total debt Euronet Worldwide, Inc. states in its own filing, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.
EEFTgreeksoup.ai
Daily closes to 8 October 2026, adjusted for splits; prices from SimFin.
Read moreDay by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on EEFT

Filings15 in twelve months: 7 current reports (8-K), about 4 results of operations; 1 shareholder vote; 1 regulation fd disclosure; 1 officer or director change; 1 other events
Planned insider salesno Form 144 notice in twelve months
Options tapeput/call 0.96 by open interest at the 8 October 2026 close; the straddle prices a 5.6% move to 16 October 2026
13F holders5 of the followed funds hold it; largest Geode Capital Management; 5 Schedule 13D or 13G filings in twelve months
Insider trading1 sale and 2 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest5.1 million shares short, 8.22 days to cover at 15 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025 †Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue1,0049588579861,0991,0479161,0741,1461,1091,0121,108
SG&A73.972.471.979.480.683.483.087.884.611792.698.4
Operating income16797.464.013418212375.215919510172.0137
Operating margin17%10%7%14%17%12%8%15%17%9%7%12%
Interest expense15.016.514.920.124.221.319.428.222.514.414.120.6
Pre-tax income14797.942.212220875.945.513118091.266.3124
Tax rate29%29%38%32%27%40%16%26%31%43%44%38%
Net income10469.326.283.115245.238.497.612251.537.577.4
Net margin10%7%3%8%14%4%4%9%11%5%4%7%
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
Operating cash flow28713630.018244080.31.7183197178-122148
Capital expenditure27.225.323.833.425.834.223.434.636.131.628.536.1
Free cash flow2601106.214941446.1-21.7148161146-150112
Shares outstanding46m46m46m45m44m44m43m41m42m39m38m37m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014 †FY2015FY2016 †FY2017 †FY2018 †FY2019FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Revenue1,6641,7721,9592,2522,5372,7502,4832,9953,3593,6883,9904,2444,375
Cost of revenue1,0331,0821,1751,3561,4881,5561,577n/an/an/an/an/an/a
Gross profit6316907848961,0481,194906n/an/an/an/an/an/a
Gross margin37.9%39.0%40.0%39.8%41.3%43.4%36.5%n/an/an/an/an/an/a
Selling, general and administrative157156165190217212222252285297315372392
Operating income15920525026635847546.6184385433503530505
Operating margin9.5%11.6%12.8%11.8%14.1%17.3%1.9%6.1%11.5%11.7%12.6%12.5%11.5%
Interest expense12.324.828.332.637.636.236.638.337.555.680.584.571.6
Pre-tax income1421412332562954348.2136323400449448462
Income tax40.042.658.899.462.887.111.565.191.9121143135170
Effective tax rate28.3%30.2%25.2%38.8%21.3%20.1%140.4%48.0%28.5%30.2%31.8%30.2%36.8%
Net income10298.8174157233347-3.470.7231280306310288
Net margin6.1%5.6%8.9%7.0%9.2%12.6%-0.1%2.4%6.9%7.6%7.7%7.3%6.6%
Diluted EPS$1.89$1.83$3.23$2.85$4.26$6.31-$0.06-$1.32$4.41$5.50$6.45$6.84$6.37
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Revenue by segment

FY2023FY2024FY2025Share
latest year
Money Transfer Segment1,5551,6861,78241.9%
EFT Processing1,0581,1611,28430.2%
epay1,0821,1501,18827.9%
Money Transfer SegmentEFT Processingepay
3,696FY20233,998FY20244,254FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Cash flow and capital returned

FY2014 †FY2015FY2016 †FY2017 †FY2018 †FY2019FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Operating cash flow235215392286397504254407748643733560401
Capital expenditure63.174.687.497.211213197.692.210494.4117126132
Free cash flow172140304189285373156314644549616434269
Free cash flow margin10.3%7.9%15.5%8.4%11.2%13.6%6.3%10.5%19.2%14.9%15.4%10.2%6.1%
Cash from investing-153-194-136-102-132-229-106-98.1-454-158-223-138-125
Cash from financing218-1.279.5-1612.041635.4-212-1.2-143-136-789-371
Depreciation and amortisation71.570.080.595.0106112127136136133132138152
Share-based compensation12.912.815.015.616.821.422.036.544.153.743.955.160.6
Buybacks66.46.177.43.117874.5242230176n/an/an/an/a
Diluted shares, weighted54m54m54m55m55m55m53m54m53m52m48m46m46m
Shares outstanding at period end52m53m52m53m52m54mn/an/an/an/an/an/a37m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 †FY2015FY2016 †FY2017 †FY2018 †FY2019FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Funded by
Shareholders' equity7318259001,1991,2331,5791,4461,2551,2451,2501,2291,3081,230
Non-controlling interest2.11.41.01.00.20.10.30.0-0.2-0.20.515.015.4
Debt4224286024516341,1171,4561,4351,6091,8661,9472,0212,653
Operating lease liabilitiesn/an/an/an/an/a24210711110395.887.410197.1
Other liabilities8849381,2101,4891,4541,7201,9181,9432,4472,6832,5713,0452,498
Total liabilities and equity2,0382,1932,7133,1403,3214,6584,9274,7445,4045,8945,8346,4896,493
Owned
Fixed assets125157202268292360378345337332330375372
Goodwill6006856907177047446666428288488591,0421,023
Intangible assets15816816515111414212297.8188168189261244
Cash and equivalents4684587342803857861,4201,2601,1311,2541,2791,0401,197
Receivables376423503745203202118203271371285334364
Inventory85.772.178.195.7n/an/an/an/an/an/an/an/an/a
Other assets2262293408831,6232,4242,2232,1962,6482,9222,8933,4353,294
Total assets2,0382,1932,7133,1403,3214,6584,9274,7445,4045,8945,8346,4896,493
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded9.1%11.3%8.1%5.8%
Profit growth, compounded12.1%n/a10.2%-13.3%
Return on equity, average16.8%19.0%23.7%23.7%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Banking

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Prosperity Bancshares Inc. PB$6.7 billion11.566.8%n/a13.3%0.281.7%
United Bankshares Inc. UBSI$6.2 billion12.459.3%n/a14.5%0.103.3%
FNB Corp. FNB$6.1 billion10.298.8%n/a11.8%0.292.8%
Hancock Whitney Corp. HWC$5.9 billion14.269.6%n/a-0.2%0.042.5%
Home Bancshares Inc. HOMB$5.7 billion11.7710.5%n/a7.1%0.962.8%
Glacier Bancorp, Inc. GBCI$5.6 billion17.617.2%n/a32.2%n/a3.1%
Associated Banc-Corp ASB$5.4 billion10.069.0%n/a45.6%1.013.2%
First Financial Bankshares Inc. FFIN$4.5 billion16.8113.5%n/a12.4%0.452.4%
SLM Corp. SLM$4.3 billion6.3329.7%n/a11.5%2.362.3%
International Bancshares Corp. IBOC$4.3 billion10.3212.2%n/a4.0%n/a2.0%
Texas Capital Bancshares Inc. TCBI$4.0 billion12.0310.0%n/a33.1%0.14n/a
Euronet Worldwide, Inc. EEFT$2.4 billion9.9923.4%11.5%5.8%2.16n/a
All 67 in Banking
CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
JPMorgan Chase & Co. JPM$881.0 billion14.2017.4%n/a13.5%1.231.8%
Bank of America Corp. BAC$376.2 billionn/an/an/an/a1.132.1%
HSBC Holdings plc HSBC *$318.1 billion15.4410.6%41.0%3.7%n/a4.2%
Royal Bank of Canada RY *$267.8 billion19.3714.6%n/a16.1%n/an/a
Mitsubishi UFJ Financial Group Inc. MUFG *$253.7 billion23.488.8%34.1%22.6%n/a2.2%
Wells Fargo & Company WFC$248.4 billion11.9412.5%n/a6.2%1.012.1%
Citigroup Inc. C$224.1 billion13.838.4%n/a10.0%1.571.9%
American Express Co. AXP$208.0 billion18.7033.4%n/a10.7%1.661.1%
Banco Santander, S.A. SAN *$198.0 billion13.3012.5%n/a0.5%n/a1.9%
Toronto-Dominion Bank TD *$192.3 billion14.0415.6%n/a18.4%n/a2.8%
Banco Bilbao Vizcaya Argentaria, S.A. BBVA *$149.4 billion13.2117.0%43.7%4.1%n/a3.2%
Mizuho Financial Group Inc. MFG *$130.3 billion18.0610.7%n/a38.1%n/a1.9%
Capital One Financial Corp. COF$122.3 billion12.349.2%n/a45.3%0.391.5%
Bank of Montreal BMO *$113.9 billion20.029.9%n/a10.6%n/a3.2%
HDFC Bank Limited HDB *$112.9 billion15.448.6%n/a5.2%n/a2.2%
Itaú Unibanco Holding S.A. ITUB *$108.4 billionn/a21.9%n/a-0.2%n/an/a
Bank of Nova Scotia BNS *$107.8 billion21.939.0%n/a12.1%n/a3.9%
Canadian Imperial Bank of Commerce CM *$100.4 billion18.0213.1%n/a13.8%n/a2.8%
ING Groep N.V. ING *$97.0 billion10.6815.4%n/an/an/a4.5%
Sumitomo Mitsui Financial Group, Inc. SMFG *$96.9 billion13.496.2%n/a26.1%0.583.7%
Bank of New York Mellon Corp. BNY$96.8 billion16.6114.1%n/a10.6%0.681.4%
U.S. Bancorp USB$88.9 billion11.3812.1%n/a6.7%0.873.6%
PNC Financial Services Group, Inc. PNC$87.6 billion12.0911.5%n/a13.2%1.343.0%
Barclays plc BCS *$79.7 billion10.279.2%n/a8.8%n/a2.1%
Lloyds Banking Group plc LYG *$79.6 billion14.739.8%n/a7.9%n/a3.3%
Nu Holdings Ltd. NU *$74.7 billion26.3125.4%n/a37.0%0.39n/a
NatWest Group plc NWG *$70.5 billion9.6112.9%n/a13.2%n/a4.4%
Truist Financial Corp. TFC$56.4 billion10.578.6%n/a4.1%0.674.5%
State Street Corp. STT$48.1 billion15.4512.2%n/a12.3%0.911.8%
Fifth Third Bancorp FITB$46.0 billion17.366.8%n/a23.8%0.513.0%
Banco Bradesco S.A. BBD *$45.9 billionn/a13.3%n/an/a0.224.6%
Coinbase Global, Inc. COIN$45.4 billionn/a-7.6%9.9%-10.4%0.45n/a
KB Financial Group Inc. KB *$43.8 billion10.769.9%47.5%5.4%n/a2.1%
ORIX Corporation IX *$41.2 billionn/a10.0%13.7%15.9%n/a2.8%
Shinhan Financial Group Co. Ltd. SHG *$36.0 billion10.348.6%n/an/a0.962.5%
M&T Bank Corp. MTB$31.4 billion11.5210.9%n/a5.8%0.492.6%
Huntington Bancshares Inc. HBAN$31.1 billion11.917.4%n/a26.4%0.574.0%
Northern Trust Corp. NTRS$30.8 billion14.4016.7%n/a15.1%n/a1.8%
Citizens Financial Group Inc. CFG$27.1 billion13.908.1%n/a11.0%0.582.7%
Synchrony Financial SYF$24.0 billion7.5520.8%n/a0.3%0.971.6%
Regions Financial Corp. RF$23.1 billion11.0511.8%n/a4.4%0.253.8%
Keycorp KEY$21.4 billion11.6910.3%n/a51.6%0.554.1%
East West Bancorp Inc. EWBC$17.3 billion12.1415.6%n/a13.7%0.001.9%
Pinnacle Financial Partners, Inc. PNFP$14.3 billion14.075.2%n/an/a0.411.6%
Ally Financial Inc. ALLY$11.5 billion8.889.4%n/a11.5%1.103.2%
First Horizon Corp. FHN$11.0 billion11.1511.5%n/a10.3%n/a2.6%
UMB Financial Corp. UMBF$9.9 billion10.8611.7%n/a39.3%0.061.3%
SouthState Bank Corp. SSB$9.8 billion10.5810.4%n/a25.2%0.052.3%
Wintrust Financial Corp. WTFC$9.7 billion11.5812.0%n/a11.5%0.001.4%
Cullen/Frost Bankers, Inc. CFR$9.5 billion14.4014.8%n/a7.4%n/a2.6%
OLD National Bancorp ONB$9.5 billion10.9910.3%n/a34.1%0.602.3%
Zions Bancorporation, National Association ZION$9.2 billion7.9915.2%n/a-64.1%0.252.8%
Western Alliance Bancorporation WAL$8.2 billion8.5012.5%n/a19.7%0.192.2%
Columbia Banking System, Inc. COLB$8.1 billion11.379.4%n/a33.6%n/a5.2%
Valley National Bancorp VLY$7.0 billion10.818.8%n/a12.2%0.493.5%
Prosperity Bancshares Inc. PB$6.7 billion11.566.8%n/a13.3%0.281.7%
United Bankshares Inc. UBSI$6.2 billion12.459.3%n/a14.5%0.103.3%
FNB Corp. FNB$6.1 billion10.298.8%n/a11.8%0.292.8%
Hancock Whitney Corp. HWC$5.9 billion14.269.6%n/a-0.2%0.042.5%
Home Bancshares Inc. HOMB$5.7 billion11.7710.5%n/a7.1%0.962.8%
Glacier Bancorp, Inc. GBCI$5.6 billion17.617.2%n/a32.2%n/a3.1%
Associated Banc-Corp ASB$5.4 billion10.069.0%n/a45.6%1.013.2%
First Financial Bankshares Inc. FFIN$4.5 billion16.8113.5%n/a12.4%0.452.4%
SLM Corp. SLM$4.3 billion6.3329.7%n/a11.5%2.362.3%
International Bancshares Corp. IBOC$4.3 billion10.3212.2%n/a4.0%n/a2.0%
Texas Capital Bancshares Inc. TCBI$4.0 billion12.0310.0%n/a33.1%0.14n/a
Euronet Worldwide, Inc. EEFT$2.4 billion9.9923.4%11.5%5.8%2.16n/a
No other company here shares its SEC industry code (Functions Related To Depository Banking, Nec); these are the names nearest in size in its wider industry, Banking, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 20264 August 2026EDGAR
10-Q31 March 20267 May 2026EDGAR
10-K31 December 202526 February 2026EDGAR
10-Q30 September 20254 November 2025EDGAR
10-Q30 June 20256 August 2025EDGAR
10-Q31 March 20257 May 2025EDGAR
10-K31 December 202425 February 2025EDGAR
10-Q30 September 20244 November 2024EDGAR
10-Q30 June 20242 August 2024EDGAR
10-Q31 March 20246 May 2024EDGAR

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