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Euronet Worldwide Inc Financials

EEFT
Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Euronet Worldwide Inc (EEFT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 66 / 100
Financial Profile 66/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability
63

Euronet Worldwide Inc has an operating margin of 12.6%, meaning the company retains $13 of operating profit per $100 of revenue. This results in a moderate score of 63/100, indicating healthy but not exceptional operating efficiency. This is up from 11.7% the prior year.

Growth
52

Euronet Worldwide Inc's revenue grew 8.2% year-over-year to $4.0B, a solid pace of expansion. This earns a growth score of 52/100.

Leverage
77

Euronet Worldwide Inc carries a low D/E ratio of 0.92, meaning only $0.92 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 77/100, indicating a strong balance sheet with room for future borrowing.

Liquidity
30

Euronet Worldwide Inc's current ratio of 1.25 indicates adequate short-term liquidity, earning a score of 30/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow
77

Euronet Worldwide Inc converts 15.4% of revenue into free cash flow ($615.6M). This strong cash generation earns a score of 77/100.

Returns
100

Euronet Worldwide Inc earns a strong 24.9% return on equity (ROE), meaning it generates $25 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is up from 22.4% the prior year.

Altman Z-Score Grey Zone
1.97

Euronet Worldwide Inc scores 1.97, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Neutral
6/9

Euronet Worldwide Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed
2.39x

For every $1 of reported earnings, Euronet Worldwide Inc generates $2.39 in operating cash flow ($732.8M OCF vs $306.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe
6.3x

Euronet Worldwide Inc earns $6.3 in operating income for every $1 of interest expense ($503.2M vs $80.5M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Revenue
$4.0B
YoY+8.2%
5Y CAGR+7.7%
10Y CAGR+9.1%

Euronet Worldwide Inc generated $4.0B in revenue in fiscal year 2024. This represents an increase of 8.2% from the prior year.

EBITDA
$635.0M
YoY+12.3%
5Y CAGR+1.6%
10Y CAGR+10.7%

Euronet Worldwide Inc's EBITDA was $635.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 12.3% from the prior year.

Free Cash Flow
$615.6M
YoY+12.2%
5Y CAGR+10.5%
10Y CAGR+13.6%

Euronet Worldwide Inc generated $615.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 12.2% from the prior year.

Net Income
$306.0M
YoY+9.4%
5Y CAGR-2.5%
10Y CAGR+11.7%

Euronet Worldwide Inc reported $306.0M in net income in fiscal year 2024. This represents an increase of 9.4% from the prior year.

EPS (Diluted)
$6.45
YoY+17.3%
5Y CAGR+0.4%
10Y CAGR+13.1%

Euronet Worldwide Inc earned $6.45 per diluted share (EPS) in fiscal year 2024. This represents an increase of 17.3% from the prior year.

Cash & Debt
$1.3B
YoY+2.0%
5Y CAGR+10.2%
10Y CAGR+10.6%

Euronet Worldwide Inc held $1.3B in cash against $1.1B in long-term debt as of fiscal year 2024.

Dividends Per Share
N/A
Shares Outstanding
N/A
Gross Margin
N/A
Operating Margin
12.6%
YoY+0.9pp
5Y CAGR-4.7pp
10Y CAGR+3.1pp

Euronet Worldwide Inc's operating margin was 12.6% in fiscal year 2024, reflecting core business profitability. This is up 0.9 percentage points from the prior year.

Net Margin
7.7%
YoY+0.1pp
5Y CAGR-4.9pp
10Y CAGR+1.6pp

Euronet Worldwide Inc's net profit margin was 7.7% in fiscal year 2024, showing the share of revenue converted to profit. This is up 0.1 percentage points from the prior year.

Return on Equity
24.9%
YoY+2.5pp
5Y CAGR+2.9pp
10Y CAGR+11.0pp

Euronet Worldwide Inc's ROE was 24.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the prior year.

R&D Spending
N/A
Share Buybacks
$268.6M
YoY-29.0%
5Y CAGR+29.3%
10Y CAGR+15.0%

Euronet Worldwide Inc spent $268.6M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 29.0% from the prior year.

Capital Expenditures
$117.2M
YoY+24.2%
5Y CAGR-2.2%
10Y CAGR+6.4%

Euronet Worldwide Inc invested $117.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 24.2% from the prior year.

EEFT Income Statement

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Revenue $1.1B+6.6% $1.1B+17.3% $915.5M-12.6% $1.0B+6.2% $986.2M+15.1% $857.0M-10.5% $957.7M-4.6% $1.0B
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $84.6M-3.6% $87.8M+5.8% $83.0M-0.5% $83.4M+5.0% $79.4M+10.4% $71.9M-0.7% $72.4M-2.0% $73.9M
Operating Income $195.0M+23.0% $158.6M+110.9% $75.2M-38.7% $122.7M-8.6% $134.3M+109.8% $64.0M-34.3% $97.4M-41.7% $167.0M
Interest Expense $22.5M-20.2% $28.2M+45.4% $19.4M-8.9% $21.3M+6.0% $20.1M+34.9% $14.9M-9.7% $16.5M+10.0% $15.0M
Income Tax $55.1M+64.0% $33.6M+373.2% $7.1M-76.8% $30.6M-21.9% $39.2M+145.0% $16.0M-43.7% $28.4M-34.0% $43.0M
Net Income $122.0M+25.0% $97.6M+154.2% $38.4M-15.0% $45.2M-45.6% $83.1M+217.2% $26.2M-62.2% $69.3M-33.5% $104.2M
EPS (Diluted) $2.75+21.1% $2.27+167.1% $0.85-11.5% $0.96-44.5% $1.73+214.5% $0.55-61.0% $1.41-31.2% $2.05

EEFT Balance Sheet

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Total Assets $6.3B-4.3% $6.6B+8.3% $6.1B+3.8% $5.8B-3.7% $6.1B+6.4% $5.7B-3.4% $5.9B+14.2% $5.2B
Current Assets $4.2B-6.5% $4.5B+8.7% $4.2B+3.4% $4.0B-5.4% $4.3B+8.6% $3.9B-5.6% $4.2B+17.7% $3.5B
Cash & Equivalents $1.2B-11.8% $1.3B-4.6% $1.4B+9.0% $1.3B+0.6% $1.3B+2.9% $1.2B-1.4% $1.3B+16.7% $1.1B
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable $297.2M-9.5% $328.4M-0.6% $330.5M+16.0% $284.9M-33.5% $428.1M+5.0% $407.6M+10.0% $370.6M+23.3% $300.6M
Goodwill $949.9M-0.5% $954.9M+8.2% $882.2M+2.7% $859.2M-2.1% $877.5M+3.4% $848.8M+0.2% $847.5M+3.6% $817.8M
Total Liabilities $5.0B-3.8% $5.2B+9.3% $4.8B+3.2% $4.6B-5.0% $4.8B+8.9% $4.5B-4.2% $4.6B+15.5% $4.0B
Current Liabilities $3.7B-6.7% $3.9B+50.9% $2.6B-19.1% $3.2B-9.7% $3.6B+20.8% $3.0B+9.5% $2.7B+5.1% $2.6B
Long-Term Debt $1.1B+6.9% $1.0B-47.4% $1.9B+68.0% $1.1B+9.8% $1.0B-18.0% $1.3B-26.6% $1.7B+35.8% $1.3B
Total Equity $1.3B-6.5% $1.4B+3.8% $1.3B+6.0% $1.2B+1.2% $1.2B-2.4% $1.2B-0.5% $1.2B+9.4% $1.1B
Retained Earnings $2.2B+5.9% $2.1B+4.9% $2.0B+2.0% $1.9B+11.3% $1.7B+5.0% $1.7B+1.6% $1.6B+4.4% $1.6B

EEFT Cash Flow Statement

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Operating Cash Flow $197.3M+7.9% $182.9M+10658.8% $1.7M-97.9% $80.3M-55.9% $182.2M+507.3% $30.0M-77.9% $135.7M-52.8% $287.2M
Capital Expenditures $36.1M+4.3% $34.6M+49.1% $23.2M-32.2% $34.2M+2.4% $33.4M+40.3% $23.8M-5.9% $25.3M-7.0% $27.2M
Free Cash Flow $161.2M+8.7% $148.3M+789.8% -$21.5M-146.6% $46.1M-69.0% $148.8M+2300.0% $6.2M-94.4% $110.4M-57.5% $260.0M
Investing Cash Flow -$48.1M-40.6% -$34.2M+37.5% -$54.7M-43.6% -$38.1M+34.8% -$58.4M+39.7% -$96.8M-16.6% -$83.0M-185.2% -$29.1M
Financing Cash Flow -$358.1M-329.4% -$83.4M-151.3% $162.6M+150.6% -$321.1M-243.9% $223.1M+174.4% $81.3M+24.9% $65.1M+120.8% -$312.7M
Dividends Paid N/A N/A N/A N/A N/A N/A N/A N/A
Share Buybacks $131.3M-46.9% $247.4M+291.5% $63.2M+23.9% $51.0M-55.3% $114.2M+5338.1% $2.1M-96.0% $53.0M-82.1% $296.1M

EEFT Financial Ratios

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin 17.0%+2.3pp 14.8%+6.6pp 8.2%-3.5pp 11.7%-1.9pp 13.6%+6.1pp 7.5%-2.7pp 10.2%-6.5pp 16.6%
Net Margin 10.7%+1.6pp 9.1%+4.9pp 4.2%-0.1pp 4.3%-4.1pp 8.4%+5.4pp 3.1%-4.2pp 7.2%-3.1pp 10.4%
Return on Equity 9.7%+2.4pp 7.2%+4.3pp 2.9%-0.7pp 3.7%-3.2pp 6.9%+4.7pp 2.1%-3.4pp 5.5%-3.6pp 9.1%
Return on Assets 1.9%+0.5pp 1.5%+0.9pp 0.6%-0.1pp 0.8%-0.6pp 1.4%+0.9pp 0.5%-0.7pp 1.2%-0.8pp 2.0%
Current Ratio 1.150.0 1.15-0.4 1.60+0.3 1.25+0.1 1.19-0.1 1.33-0.2 1.54+0.2 1.38
Debt-to-Equity 0.85+0.1 0.74-0.7 1.46+0.5 0.92+0.1 0.85-0.2 1.01-0.4 1.37+0.3 1.11
FCF Margin 14.1%+0.3pp 13.8%+16.2pp -2.4%-6.8pp 4.4%-10.7pp 15.1%+14.4pp 0.7%-10.8pp 11.5%-14.4pp 25.9%

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Frequently Asked Questions

What is Euronet Worldwide Inc's annual revenue?

Euronet Worldwide Inc (EEFT) reported $4.0B in total revenue for fiscal year 2024. This represents a 8.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Euronet Worldwide Inc's revenue growing?

Euronet Worldwide Inc (EEFT) revenue grew by 8.2% year-over-year, from $3.7B to $4.0B in fiscal year 2024.

Is Euronet Worldwide Inc profitable?

Yes, Euronet Worldwide Inc (EEFT) reported a net income of $306.0M in fiscal year 2024, with a net profit margin of 7.7%.

What is Euronet Worldwide Inc's earnings per share (EPS)?

Euronet Worldwide Inc (EEFT) reported diluted earnings per share of $6.45 for fiscal year 2024. This represents a 17.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Euronet Worldwide Inc's EBITDA?

Euronet Worldwide Inc (EEFT) had EBITDA of $635.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Euronet Worldwide Inc have?

As of fiscal year 2024, Euronet Worldwide Inc (EEFT) had $1.3B in cash and equivalents against $1.1B in long-term debt.

What is Euronet Worldwide Inc's operating margin?

Euronet Worldwide Inc (EEFT) had an operating margin of 12.6% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is Euronet Worldwide Inc's net profit margin?

Euronet Worldwide Inc (EEFT) had a net profit margin of 7.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Euronet Worldwide Inc's return on equity (ROE)?

Euronet Worldwide Inc (EEFT) has a return on equity of 24.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Euronet Worldwide Inc's free cash flow?

Euronet Worldwide Inc (EEFT) generated $615.6M in free cash flow during fiscal year 2024. This represents a 12.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Euronet Worldwide Inc's operating cash flow?

Euronet Worldwide Inc (EEFT) generated $732.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Euronet Worldwide Inc's total assets?

Euronet Worldwide Inc (EEFT) had $5.8B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Euronet Worldwide Inc's capital expenditures?

Euronet Worldwide Inc (EEFT) invested $117.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Euronet Worldwide Inc buy back shares?

Yes, Euronet Worldwide Inc (EEFT) spent $268.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Euronet Worldwide Inc's current ratio?

Euronet Worldwide Inc (EEFT) had a current ratio of 1.25 as of fiscal year 2024, which is considered adequate.

What is Euronet Worldwide Inc's debt-to-equity ratio?

Euronet Worldwide Inc (EEFT) had a debt-to-equity ratio of 0.92 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Euronet Worldwide Inc's return on assets (ROA)?

Euronet Worldwide Inc (EEFT) had a return on assets of 5.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Euronet Worldwide Inc's Altman Z-Score?

Euronet Worldwide Inc (EEFT) has an Altman Z-Score of 1.97, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Euronet Worldwide Inc's Piotroski F-Score?

Euronet Worldwide Inc (EEFT) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Euronet Worldwide Inc's earnings high quality?

Euronet Worldwide Inc (EEFT) has an earnings quality ratio of 2.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Euronet Worldwide Inc cover its interest payments?

Euronet Worldwide Inc (EEFT) has an interest coverage ratio of 6.3x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Euronet Worldwide Inc?

Euronet Worldwide Inc (EEFT) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.