EURONET WORLDWIDE, INC. EEFT
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.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 7.40 | 6.82 | 5.77 | 4.60 | 1.34 | -0.06 | 6.49 | 4.52 | 2.99 | 3.34 |
| EPS, diluted | 6.84 | 6.45 | 5.50 | 4.41 | 1.32 | -0.06 | 6.31 | 4.26 | 2.85 | 3.23 |
| Shares, diluted (wtd. avg.) | $45.8M | $48.1M | $51.6M | $53.5M | $53.5M | $52.7M | $54.9M | $54.6M | $55.1M | $54.0M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
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