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Euronet Worldwide EEFT

Euronet Worldwide scores good on business quality (6.8 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$64.60Oct 9, 2026
Business qualityGood
Next earningsOct 16, 2026
Insiders, 90 daysBuying

Why it matters

  1. What Euronet Worldwide does

    Euronet Worldwide operates a vast global ATM network, point-of-sale terminals, and money transfer services, making money through transaction fees and currency conversion charges paid by consumers and financial institutions worldwide.

  2. What it does best

    Euronet dominates cross-border ATM deployment and currency conversion in niche international markets, backed by a 23% ROE that outperforms peers like FOUR at 6.6%. Its proprietary network density and multi-currency processing infrastructure create massive friction for any rival attempting to peel away bank partners.

  3. The main risk

    Foreign exchange volatility and shifting international travel patterns directly threaten its high-margin currency conversion fees at ATMs. Since international deployment anchors transaction volumes, a sudden drop in tourism or cross-border movement immediately compresses cash generation.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Operating margin of 11.5% and gross margin of 41.3% reflect stable profitability, though its operating margin ranks in the lower sector percentiles. Scale yields moderate operating leverage across its sprawling ATM footprint.

MoatStrong

Regulatory licenses and deep banking integrations form a massive regulatory and switching-cost moat that locks in financial institutions across diverse global markets. Its ROE sits in the top decile of its sector at 76th percentile rank.

GrowthSlow

Revenue growth sits at 6.4%, driven by its core EFT and money transfer segments. While steady, the current rate reflects a slower pace compared to historical multi-year expansion figures visible in annual summaries.

Financial healthStrong

Total debt of $2.0B is offset by $2.2B in cash, leaving a net cash position of $172M. Free cash flow of $257M supports ongoing buybacks, and interest coverage of 7.1x keeps debt servicing manageable as the balance sheet softens.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 insider bought $55K on the open market.

Our sealed record on EEFT

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is EEFT a good business?

Euronet Worldwide scores good on the Cluenex quality check (6.8 of 10), measured against its own industry. Profitability is fair, moat strong, growth slow and financial health strong.

Are insiders buying EEFT?

In the last 90 days of SEC Form 4 filings: 1 insider bought $55K on the open market.

When does EEFT report earnings?

Oct 16, 2026.

For members

See EEFT today

  • Today's verdict on EEFT, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Euronet Worldwide (EEFT)”, https://cluenex.com/stocks/eeft/, data as of Oct 10, 2026.