Company Analysis

Euronet Worldwide, Inc. (EEFT)

Nasdaq: EEFT · Functions Related To Depository Banking, NEC · Leawood, KS · filing with the SEC since 1996
Grade6.8
◀ Past 6.9● Present 7.5▶ Future 5.6

The grade of Euronet Worldwide, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.8/10
◀ Past6.940% of the headline
● Present7.535% of the headline
▶ Future5.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 83rd percentile among 3 sector filers · read for itself

From the record

Euronet Worldwide, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.7/10

What has it actually done, year after year?

+8.2% a year over 9 filed years; profitable in 8 of 9.

weight 22% of this tense · 67th percentile among 3 sector filers · read for its customers

From the record

Euronet Worldwide, Inc.'s 9 filed years say what it did: revenue went from $2.3 billion in fiscal 2017 to $4.2 billion in fiscal 2025, up 8.2% a year; it rose in 7 of 8 years; the deepest fall was 10% from fiscal 2019 to fiscal 2020; net income was positive in 8 of 9 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span8.2%top 50% of its family
  • the share of years revenue rosetop 17% of its family
  • the share of filed years with a profittop 17% of its family
  • the deepest fall from a revenue peak9.7%top 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
5.0/10

How has it treated the people who own it?

Share count shrank 5.0% a year. 0% of cash flow returned. Insiders: 1 sales, 2 purchases.

weight 33% of this tense · 50th percentile among 3 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Euronet Worldwide, Inc.'s diluted share count shrank about 5.0% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $256 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 17% of its family
  • cash returned against operating cash flowbottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
7.2/10

Is it financially healthy right now?

ROE 23%: 23¢ of profit per shareholder dollar. Leverage 80%: owes 80¢ per asset dollar.

weight 45% of this tense · 72nd percentile among 3 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Euronet Worldwide, Inc. earned about 23 cents of profit for every dollar of shareholders' money. Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count shrank 4.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 50% of its family
  • return on equitytop 17% of its family
  • the share count against the year beforetop 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.2/10

How strong is its position in its industry?

top 28% of 3 in its family; net margin 7.3%.

weight 33% of this tense · 72nd percentile among 3 sector filers · read for its customers

From the record

Euronet Worldwide, Inc.'s standing among 3 graded names in its industry family: revenue of $4.2 billion in fiscal 2025 ranks in the top 17% by size; a net margin of 7.3% ranks in the top 17%; revenue growth of 8.1% a year over the last 3 filed years ranks in the top 50% (its annual reports).

What it rests on

  • revenue against the family$4.24Btop 17% of its family
  • net margin7.3%top 17% of its family
  • three-year revenue growth8.1%top 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
8.3/10

What are the people in charge doing?

top 17% of 3 in its family for leadership; chief executive since 2006.

weight 22% of this tense · 83rd percentile among 3 sector filers · read for its shareholders

From the record

Euronet Worldwide, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Brown, Michael J (CEO & President, as filed), filing under that title since 2006-01-13, 20.8 years (top 17% of its family); the 14 officers and directors filing in the last fifteen months have been on the record a median of 15 years (top 17%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (top 17%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 14 peopletop 17% of its family
  • the median years the people in charge have filed15.0 yearstop 17% of its family
  • the chief executive's years on the record20.8 yearstop 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.6/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.7/10

How much room does it have to grow?

top 33% of 3 in its family for room to expand.

weight 33% of this tense · 67th percentile among 3 sector filers · read for itself

From the record

Euronet Worldwide, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.0 billion against debt of $1.0 billion leaves 0% of its assets as net cash, top 50% of its family; cash from operations less capital spending is 10.2% of revenue (top 17%) (its annual report).

What it rests on

  • cash less debt against assets0.0%top 50% of its family
  • cash from operations less capital spending against revenue10.2%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.0/10

What could actually drive growth from here?

top 50% of 3 in its family for growth drivers.

weight 33% of this tense · 50th percentile among 3 sector filers · read for its customers

From the record

Euronet Worldwide, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 8.1% a year over the last three filed years against 8.2% over all 9, slowing (top 50% of its family); the newest year grew 6.4% (top 50%); capital spending grew 6.4% a year (top 50%) (its annual reports). Euronet Worldwide, Inc. reported 3 lines of business in fiscal 2025: Money Transfer at $1.8 billion, EFT Processing at $1.3 billion, Epay at $1.2 billion. 3 of 3 grew in the latest filed year, and the largest line is 42% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span-0.1 points a yeartop 50% of its family
  • the newest year's revenue growth6.4%top 50% of its family
  • three-year growth of capital spending6.4%top 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.0/10

Did its newest year beat what its own record pointed to?

top 50% of 3 in its family for expectations against reality.

weight 33% of this tense · 50th percentile among 3 sector filers · read for its shareholders

From the record

Euronet Worldwide, Inc.'s newest year against its own record: revenue of $4.2 billion in fiscal 2025 came in 2.4% below the $4.3 billion its prior three years' pace pointed to (top 50% of its family); net income of $310 million against a prior three-year average of $272 million (top 50%); a net margin of 7.3% against 7.4% before (top 50%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-2.4%top 50% of its family
  • net income against the prior three years' average+14%top 50% of its family
  • net margin against its prior average-0.1 pointstop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton EEFT · research, not advice