EURONET WORLDWIDE, INC. EEFT

Financials SIC 6099 - Functions Related To Depository Banking, NEC NAICS Finance and Insurance › Credit Intermediation and Related Activities › Activities Related to Credit Intermediation › Financial Transactions Processing, Reserve, and Clearinghouse Activities derived Nasdaq

Euronet is a leader in electronic payment and transaction processing solutions for Financial Institutions, Retailers, Service Providers, and Individual Consumers utilizing our global payments network, platforms, and technologies. Through a collection of diverse technologies and services, our business segments and solutions meet a wide variety of payments requirements and process transactions throughout the world. We move money in all the ways the world depends on. With a global footprint, we provide compliant solutions that make financial transactions easier, faster, and secure.

Our Electronic Funds Transfer ("EFT") segment meets the needs of financial institutions and consumers through Euronet-owned and outsourced Automated Teller Machines ("ATMs") and Point-of-Sale ("POS") terminals combined with value added and transaction processing services. We deploy and operate our own ATMs, providing ATM services for financial institutions and providing electronic payment processing solutions. EFT offers a suite of integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. Transactions processed span a network of 56,818 ATMs, as of December 31, 2025, and approximately 610,000 POS terminals. In 2025, the EFT Processing Segment accounted for approximately 30% of Euronet's consolidated revenues.

Last close 65.59 2026-10-23
Market cap $2.45B 2026-06-30 share count
52-week range 61.62 - 83.97

Valuation FY2025 figures against the last close

P/S0.6x
P/E9.6x
P/FCF5.6x
EV/EBITDA5.1x
Dividend yield—
Diluted EPS6.84

Where the revenue comes from as reported in the latest 10-K

Revenue by segment

  • Money Transfer Segment
  • EFT Processing
  • epay
Revenue by segment, 3 categories over 3 years. The same figures are in the table below. FY2025 Money Transfer Segment, FY2025: 1.8B (41.9%) 42% Money Transfer Segment EFT Processing, FY2025: 1.3B (30.2%) 30% EFT Processing epay, FY2025: 1.2B (27.9%) 28% epay FY2024 Money Transfer Segment, FY2024: 1.7B (42.2%) 42% EFT Processing, FY2024: 1.2B (29.0%) 29% epay, FY2024: 1.2B (28.8%) 29% FY2023 Money Transfer Segment, FY2023: 1.6B (42.1%) 42% EFT Processing, FY2023: 1.1B (28.6%) 29% epay, FY2023: 1.1B (29.3%) 29%
Segment FY2025FY2024FY2023
Money Transfer Segment $1.78B $1.69B $1.56B
EFT Processing $1.28B $1.16B $1.06B
epay $1.19B $1.15B $1.08B

As the company reported it, from the “Business Segment Information (Details)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Segments are the filer's own reporting structure, which is a decision about how it runs itself rather than a standard taxonomy: two companies in the same industry routinely divide themselves along different lines, so these are worth reading down a single company rather than across two. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $4.24B$3.99B$3.69B$3.36B$3.00B$2.48B$2.75B$2.54B$2.25B$1.96B
Cost of revenue —————$1.58B$1.56B$1.49B$1.36B$1.17B
Gross profit —————$906.0M$1.19B$1.05B$896.2M$784.1M
SG&A $372.2M$315.3M$296.8M$285.1M$252.0M$221.6M$211.9M$216.8M$190.3M$165.3M
Total operating expenses $3.71B$3.49B$3.26B$2.97B$2.81B$2.44B$2.27B$2.18B$1.99B$1.71B
Operating income $529.8M$503.2M$432.6M$385.4M$184.0M$46.6M$475.2M$357.9M$266.0M$249.8M
Interest expense $84.5M$80.5M$55.6M$37.5M$38.3M$36.6M$36.2M$37.6M$32.6M$28.3M
Pre-tax income $448.2M$448.9M$400.4M$322.6M$135.6M$8.2M$433.8M$294.9M$256.3M$232.9M
Income tax $135.2M$142.6M$120.9M$91.9M$65.1M$11.5M$87.1M$62.8M$99.4M$58.8M
Net income $309.5M$306$280$231$71-$3.4M$346.7M$232.9M$156.8M$174.4M
EPS, basic 7.406.825.774.601.34-0.066.494.522.993.34
EPS, diluted 6.846.455.504.411.32-0.066.314.262.853.23
Shares, diluted (wtd. avg.) 45.8M48.1M51.6M53.5M53.5M52.7M54.9M54.6M55.1M54.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $1.04B$1.28B$1.25B$1.99B$2.09B$2.10B$1.82B$1.13B$900.5M$812.1M
Receivables $334.5M$284.9M$370.6M$270.8M$203.0M$117.5M$201.9M$202.5M$744.9M$503.0M
Inventory ————————$95.7M$78.1M
Total current assets $4.27B$4.04B$4.16B$3.73B$3.31B$3.37B$2.92B$2.09B$1.89B$1.58B
Property, plant and equipment $375.3M$329.7M$332.1M$336.6M$345.4M$378.4M$360.0M$291.9M$268.3M$202.1M
Goodwill $1.04B$859.2M$847.5M$828.3M$641.6M$665.8M$743.8M$704.2M$717.4M$689.7M
Other intangibles $261.2M$188.9M$167.6M$188.3M$97.8M$121.9M$141.8M$114.5M$150.5M$165.3M
Total assets $6.49B$5.83B$5.89B$5.40B$4.74B$4.93B$4.66B$3.32B$3.14B$2.71B
Short-term debt $983.2M$812.7M$150.3M$100.0K$821.0K$797.0K$6.1M$38.0M$41.3M$32.2M
Total current liabilities $3.85B$3.23B$2.70B$2.35B$1.85B$1.86B$1.63B$1.38B$1.41B$1.18B
Long-term debt $1.04B$1.13B$1.72B$1.61B$1.42B$1.44B$1.09B$669.9M$404.0M$561.7M
Total liabilities $5.17B$4.61B$4.64B$4.16B$3.49B$3.48B$3.08B$2.09B$1.94B$1.81B
Retained earnings $2.24B$1.93B$1.63B$1.35B$1.08B$1.01B$1.02B$669.8M$437.0M$278.8M
Total equity $1.31B$1.23B$1.25B$1.24B$1.26B$1.45B$1.58B$1.23B$1.20B$900.6M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $559.8M$732.8M$643.1M$748.3M$406.3M$253.5M$504.5M$397.2M$286.3M$391.5M
Depreciation and amortisation $138.5M$131.8M$132.9M$135.9M$135.8M$96.1M$83.5M$106.0M$95.0M$80.5M
Stock-based compensation $55.1M$43.9M$53.7M$44.1M$36.5M$22.0M$21.4M$16.8M$15.6M$15.0M
Capital expenditure $125.5M$117.2M$94.4M$104.3M$92.2M$97.6M$131.3M$112.5M$97.2M$87.4M
Investing cash flow -$138.5M-$223.3M-$157.6M-$453.8M-$98.1M-$105.5M-$229.0M-$132.3M-$101.9M-$136.3M
Financing cash flow -$788.6M-$135.7M-$143.2M-$1.2M-$212.0M$35.4M$416.3M$2.0M-$161.1M$79.5M
Buybacks $669.6M$265.2M$378.4M$175.0M$227.8M$241.5M$74.5M$177.9M$3.1M$77.4M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001554855-26-000595.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -2B 0 2B 4B 6B Revenue, FY2016: 2B Gross profit, FY2016: 784.1M Net income, FY2016: 174.4M Revenue, FY2017: 2.3B Gross profit, FY2017: 896.2M Net income, FY2017: 156.8M Revenue, FY2018: 2.5B Gross profit, FY2018: 1B Net income, FY2018: 232.9M Revenue, FY2019: 2.8B Gross profit, FY2019: 1.2B Net income, FY2019: 346.7M Revenue, FY2020: 2.5B Gross profit, FY2020: 906M Net income, FY2020: -3.4M Revenue, FY2021: 3B Net income, FY2021: 70.7 Revenue, FY2022: 3.4B Net income, FY2022: 231 Revenue, FY2023: 3.7B Net income, FY2023: 279.7 Revenue, FY2024: 4B Net income, FY2024: 306 Revenue, FY2025: 4.2B Net income, FY2025: 309.5M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $1.96B $2.25B $2.54B $2.75B $2.48B $3.00B $3.36B $3.69B $3.99B $4.24B
Gross profit $784.1M $896.2M $1.05B $1.19B $906.0M — — — — —
Net income $174.4M $156.8M $232.9M $346.7M -$3.4M $71 $231 $280 $306 $309.5M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Results announced Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Unregistered share sale Shares issued outside a registered offering. Dilution, and for a small company often the way it is funded. Item 3.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6099

TickerCompanyMarket capP/ERevenue growth
LSAK LESAKA TECHNOLOGIES INC $348.9M — 16.9%
USIO Usio, Inc. $89.5M — 3.0%