# Euronet Worldwide, Inc. (EEFT)

> Source: Nexqual · https://nexqual.com/EEFT · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Euronet Worldwide, Inc. (EEFT), nexqual.com/EEFT" · informational, not investment advice.

**Price:** USD 67.06 (+1.73% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 65.92 · day 65.97–67.84 · 52w 61.62–87.25 · market cap $2.51B · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $4.37B, net income $288M (6.6% margin) (SEC filings).
- Valuation: P/E 8.7x (avg 15.4x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold EEFT (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $25K; 1 not under a Rule 10b5-1 plan ($25K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 2 Form 4 filings, $256K; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Buy (mean 2.44 on a 1–5 scale) (9 analysts), mean target USD 81.86 (range 64–94).
- Total return with dividends: 1Y -19.6% vs S&P 500 +14.9%; 5Y -45.3% vs S&P 500 +80.3%.
- Next earnings: 2026-10-27, EPS estimate USD 3.69, revenue estimate $1.19B.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.00B | $3.36B | $3.69B | $3.99B | $4.24B | $4.37B |
| Operating income | $184M | $385M | $433M | $503M | $530M | $505M |
| Net income | $70.7M | $231M | $280M | $306M | $310M | $288M |
| EPS (diluted) | $1.32 | $4.41 | $5.50 | $6.45 | $6.84 | — |
| Free cash flow | $314M | $644M | $549M | $616M | $434M | $269M |
| Operating margin | 6.1% | 11.5% | 11.7% | 12.6% | 12.5% | 11.5% |
| Net margin | 2.4% | 6.9% | 7.6% | 7.7% | 7.3% | 6.6% |
| Revenue growth | +20.7% | +12.1% | +9.8% | +8.2% | +6.4% | — |
| Cash + short-term investments | $1.26B | $1.13B | $1.25B | $1.28B | $1.04B | — |
| Total debt | $1.42B | $1.61B | $2.53B | $1.95B | $2.02B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 8.7x · P/S 0.6x · P/FCF 9.3x · P/B 2.0x · FCF yield 10.72% · Earnings yield 11.50%
P/E at fiscal year-ends: Dec 2025 11.3x, Dec 2024 16.2x, Dec 2023 18.7x.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold EEFT. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Wallace Weitz | Weitz Investment Management | 0.81% | $11.7M | Unchanged |

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-05-07 | Godderz Adam |  | 345 | $25K | 100% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
2 purchases, $256K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-07 | McDonnell Thomas A | Director | 781 | $55K | 70.6 | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-26 | McDonnell Thomas A | Director | 3,000 | $201K | 66.87 | Too little history (no open-market trades in 2023 or 2025) |

## Analysts
Consensus Buy (mean 2.44 on a 1–5 scale), 9 analysts; mean target USD 81.86 (low 64, high 94).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-25 | Wolfe Research | Target lowered | Underperform | $75 → $70 |
| 2026-07-30 | Needham | Target raised | Buy | $85 → $90 |
| 2026-07-10 | DA Davidson | Maintained | Buy | $102 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | -19.6% | -45.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -19.7% | -11.3% |
| Volatility (annualized) | 36.3% | 36.1% |
| Max drawdown | -25.3% (Jul 2026→Oct 2026) | -54.6% (Feb 2022→Sep 2026) |

## Peers (Software - Infrastructure)
PAY (Paymentus Holdings, Inc.) USD 34.07 +3.06% · DLO (DLocal Limited) USD 14.84 -2.05% · BLSH (Bullish) USD 29.19 -1.95% · TENB (Tenable Holdings, Inc.) USD 42 +3.27% · BB (BlackBerry Limited) USD 8.59 -8.71% · RELY (Remitly Global, Inc.) USD 25.32 -0.39%

## More
Full page: https://nexqual.com/EEFT · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)


Other companies that name EEFT in their own reports (relationship from EEFT's side):

| Relationship | Company | Their filing | Sentence |
|---|---|---|---|
| partner | International Money Express, Inc. (IMXI) | 10-K 2026-03-06 | "The Company's peer group ("Peer Group") consists of publicly-traded companies that are in the money remittance and payment industries and is composed of the following: MoneyGram (for periods prior to …" |

## Revenue by business segment (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY | Operating income | Op. margin |
|---|---|---|---|---|---|
| Cross Border Payments | $439.6M | 39.7% | -4.0% | $43.3M | 9.8% |
| Payments Infrastructure | $377.1M | 34.0% | +11.4% | $86.1M | 22.8% |
| Epay | $294.0M | 26.5% | +5.0% | $32.8M | 11.2% |
| Total revenue | $1.11B | 100% | — | $137.1M | 12.4% |

## Revenue by region (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Europe | $669.8M | 60.4% | +3.9% |
| North America | $270.9M | 24.4% | +1.0% |
| Asia Pacific | $128.6M | 11.6% | +2.7% |
| Other Geographic Locations | $41.4M | 3.7% | +7.5% |
| Total revenue | $1.11B | 100% | — |

## Company outlook (8-K filed 2026-07-30)

- "This outlook does not include any changes that may develop in foreign exchange rates, interest rates or other unforeseen factors."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $3.69 | $3.86 | -4.4% | $1.19B | 9 |
| Next quarter (ends 2026-12-31) | $2.66 | $2.52 | +5.3% | $1.16B | 7 |
| Current fiscal year (ends 2026-12-31) | $10.68 | $10.92 | -2.2% | $4.47B | 9 |
| Next fiscal year (ends 2027-12-31) | $11.84 | $12.16 | -2.6% | $4.68B | 9 |

## Options: expected move (Cboe, 15-min delayed)

Expected move by 2026-11-20 (includes earnings 2026-10-27): ±10.7%; last 8 reports averaged ±6%.

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-11-20 | 28 | 46.1% | ±10.7% |
| 2026-12-18 | 56 | 41.3% | ±13.2% |
| 2027-02-19 | 119 | 40.5% | ±18.8% |
| 2027-05-21 | 210 | 42.2% | ±24.5% |