Euronet Worldwide Inc Financials
This page shows Euronet Worldwide Inc (EEFT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).
Profitability kept expanding, but cash conversion and liquidity tightened as large buybacks outpaced the year’s free cash flow.
In the latest year, operating income reached$529.8M but free cash flow fell to$434.3M , so higher profit did not translate into equally strong cash. At the same time, the current ratio fell to 1.1x as$667.7M of buybacks pulled more cash out than the year’s free cash flow replaced.
The business remains relatively light on sustaining investment: operating cash flow was
Balance-sheet strain sits in short-term obligations, not term debt.
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Euronet Worldwide Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Euronet Worldwide Inc has an operating margin of 12.5%, meaning the company retains $12 of operating profit per $100 of revenue. This strong profitability earns a score of 74/100, reflecting efficient cost management and pricing power. This is down from 12.6% the prior year.
Euronet Worldwide Inc's revenue grew 6.4% year-over-year to $4.2B, a solid pace of expansion. This earns a growth score of 58/100.
Euronet Worldwide Inc carries a low D/E ratio of 0.79, meaning only $0.79 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 91/100, indicating a strong balance sheet with room for future borrowing.
Euronet Worldwide Inc's current ratio of 1.11 is below the typical benchmark, resulting in a score of 24/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Euronet Worldwide Inc converts 10.2% of revenue into free cash flow ($434.3M). This strong cash generation earns a score of 74/100.
Euronet Worldwide Inc earns a strong 23.7% return on equity (ROE), meaning it generates $24 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 80/100. This is up from 0.0% the prior year.
Euronet Worldwide Inc scores 1.83, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Euronet Worldwide Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Euronet Worldwide Inc generates $1.81 in operating cash flow ($559.8M OCF vs $309.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Euronet Worldwide Inc earns $6.3 in operating income for every $1 of interest expense ($529.8M vs $84.5M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Euronet Worldwide Inc generated $4.2B in revenue in fiscal year 2025. This represents an increase of 6.4% from the prior year.
Euronet Worldwide Inc's EBITDA was $668.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 5.2% from the prior year.
Euronet Worldwide Inc reported $309.5M in net income in fiscal year 2025. This represents an increase of 101143690.8% from the prior year.
Euronet Worldwide Inc earned $6.84 per diluted share (EPS) in fiscal year 2025. This represents an increase of 6.0% from the prior year.
Cash & Balance Sheet
Euronet Worldwide Inc generated $434.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 29.5% from the prior year.
Euronet Worldwide Inc held $1.0B in cash against $1.0B in long-term debt as of fiscal year 2025.
Margins & Returns
Euronet Worldwide Inc's operating margin was 12.5% in fiscal year 2025, reflecting core business profitability. This is down 0.1 percentage points from the prior year.
Euronet Worldwide Inc's net profit margin was 7.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.3 percentage points from the prior year.
Euronet Worldwide Inc's ROE was 23.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 23.7 percentage points from the prior year.
Capital Allocation
Euronet Worldwide Inc spent $667.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 148.6% from the prior year.
Euronet Worldwide Inc invested $125.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 7.1% from the prior year.
EEFT Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.0B-8.7% | $1.1B-3.2% | $1.1B+6.6% | $1.1B+17.3% | $915.5M-12.6% | $1.0B-4.7% | $1.1B+11.5% | $986.2M |
| 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 | $92.6M-20.7% | $116.8M+38.1% | $84.6M-3.6% | $87.8M+5.8% | $83.0M-0.5% | $83.4M+3.5% | $80.6M+1.5% | $79.4M |
| Operating Income | $72.0M-28.7% | $101.0M-48.2% | $195.0M+23.0% | $158.6M+110.9% | $75.2M-38.7% | $122.7M-32.7% | $182.2M+35.7% | $134.3M |
| Interest Expense | $14.1M-2.1% | $14.4M-36.0% | $22.5M-20.2% | $28.2M+45.4% | $19.4M-8.9% | $21.3M-12.0% | $24.2M+20.4% | $20.1M |
| Income Tax | $29.0M-26.4% | $39.4M-28.5% | $55.1M+64.0% | $33.6M+373.2% | $7.1M-76.8% | $30.6M-46.1% | $56.8M+44.9% | $39.2M |
| Net Income | $37.5M-27.2% | $51.5M-57.8% | $122.0M+25.0% | $97.6M+154.2% | $38.4M+114.7% | -$260.8M-272.1% | $151.5M+82.3% | $83.1M |
| EPS (Diluted) | $0.83 | N/A | $2.75+21.1% | $2.27+167.1% | $0.85 | N/A | $3.21+85.5% | $1.73 |
EEFT Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.3B-2.4% | $6.5B+3.4% | $6.3B-4.3% | $6.6B+8.3% | $6.1B+3.8% | $5.8B-7.2% | $6.3B+3.8% | $6.1B |
| Current Assets | $4.2B-2.5% | $4.3B+0.7% | $4.2B-6.5% | $4.5B+8.7% | $4.2B+3.4% | $4.0B-8.0% | $4.4B+2.8% | $4.3B |
| Cash & Equivalents | $1.2B+18.2% | $1.0B-11.3% | $1.2B-11.8% | $1.3B-4.6% | $1.4B+9.0% | $1.3B-16.1% | $1.5B+19.8% | $1.3B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $310.7M-7.1% | $334.5M+12.6% | $297.2M-9.5% | $328.4M-0.6% | $330.5M+16.0% | $284.9M+4.3% | $273.2M-36.2% | $428.1M |
| Goodwill | $1.0B-1.0% | $1.0B+9.7% | $949.9M-0.5% | $954.9M+8.2% | $882.2M+2.7% | $859.2M-5.9% | $913.3M+4.1% | $877.5M |
| Total Liabilities | $5.1B-1.2% | $5.2B+3.4% | $5.0B-3.8% | $5.2B+9.3% | $4.8B+3.2% | $4.6B-6.5% | $4.9B+1.6% | $4.8B |
| Current Liabilities | $3.3B-15.4% | $3.9B+4.9% | $3.7B-6.7% | $3.9B+50.9% | $2.6B-19.1% | $3.2B-7.1% | $3.5B-2.8% | $3.6B |
| Long-Term Debt | $1.6B+52.7% | $1.0B-3.1% | $1.1B+6.9% | $1.0B-47.4% | $1.9B+68.0% | $1.1B-5.1% | $1.2B+15.8% | $1.0B |
| Total Equity | $1.2B-7.3% | $1.3B+3.5% | $1.3B-6.5% | $1.4B+3.8% | $1.3B+6.0% | $1.2B-9.8% | $1.4B+12.2% | $1.2B |
| Retained Earnings | $2.3B+1.7% | $2.2B+2.3% | $2.2B+5.9% | $2.1B+4.9% | $2.0B+2.0% | $1.9B+2.4% | $1.9B+8.7% | $1.7B |
EEFT Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$122.0M-168.6% | $177.9M-9.8% | $197.3M+7.9% | $182.9M+10658.8% | $1.7M-97.9% | $80.3M-81.8% | $440.3M+141.7% | $182.2M |
| Capital Expenditures | $28.5M-9.8% | $31.6M-12.5% | $36.1M+4.9% | $34.4M+47.0% | $23.4M-31.6% | $34.2M+32.6% | $25.8M-22.8% | $33.4M |
| Free Cash Flow | -$150.5M-202.9% | $146.3M-9.2% | $161.2M+8.6% | $148.5M+784.3% | -$21.7M-147.1% | $46.1M-88.9% | $414.5M+178.6% | $148.8M |
| Investing Cash Flow | -$28.8M-1820.0% | -$1.5M+96.9% | -$48.1M-40.6% | -$34.2M+37.5% | -$54.7M-43.6% | -$38.1M-27.0% | -$30.0M+48.6% | -$58.4M |
| Financing Cash Flow | $441.3M+186.6% | -$509.7M-42.3% | -$358.1M-329.4% | -$83.4M-151.3% | $162.6M+150.6% | -$321.1M-169.8% | -$119.0M-153.3% | $223.1M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $102.4M-54.7% | $225.8M+72.0% | $131.3M-46.9% | $247.4M+291.5% | $63.2M+23.9% | $51.0M-49.7% | $101.3M-11.3% | $114.2M |
EEFT Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 7.1%-2.0pp | 9.1%-7.9pp | 17.0%+2.3pp | 14.8%+6.6pp | 8.2%-3.5pp | 11.7%-4.8pp | 16.6%+2.9pp | 13.6% |
| Net Margin | 3.7%-0.9pp | 4.7%-6.0pp | 10.7%+1.6pp | 9.1%+4.9pp | 4.2%+29.1pp | -24.9%-38.7pp | 13.8%+5.4pp | 8.4% |
| Return on Equity | 3.1%-0.8pp | 3.9%-5.7pp | 9.7%+2.4pp | 7.2%+4.3pp | 2.9%+24.2pp | -21.2%-32.4pp | 11.1%+4.3pp | 6.9% |
| Return on Assets | 0.6%-0.2pp | 0.8%-1.1pp | 1.9%+0.5pp | 1.5%+0.9pp | 0.6%+5.1pp | -4.5%-6.9pp | 2.4%+1.0pp | 1.4% |
| Current Ratio | 1.28+0.2 | 1.11-0.0 | 1.150.0 | 1.15-0.4 | 1.60+0.3 | 1.25-0.0 | 1.26+0.1 | 1.19 |
| Debt-to-Equity | 1.31+0.5 | 0.79-0.1 | 0.85+0.1 | 0.74-0.7 | 1.46+0.5 | 0.92+0.0 | 0.88+0.0 | 0.85 |
| FCF Margin | -14.9%-28.1pp | 13.2%-0.9pp | 14.1%+0.3pp | 13.8%+16.2pp | -2.4%-6.8pp | 4.4%-33.3pp | 37.7%+22.6pp | 15.1% |
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Frequently Asked Questions
What is Euronet Worldwide Inc's annual revenue?
Euronet Worldwide Inc (EEFT) reported $4.2B in total revenue for fiscal year 2025. This represents a 6.4% 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 6.4% year-over-year, from $4.0B to $4.2B in fiscal year 2025.
Is Euronet Worldwide Inc profitable?
Yes, Euronet Worldwide Inc (EEFT) reported a net income of $309.5M in fiscal year 2025, with a net profit margin of 7.3%.
What is Euronet Worldwide Inc's EBITDA?
Euronet Worldwide Inc (EEFT) had EBITDA of $668.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Euronet Worldwide Inc have?
As of fiscal year 2025, Euronet Worldwide Inc (EEFT) had $1.0B in cash and equivalents against $1.0B in long-term debt.
What is Euronet Worldwide Inc's operating margin?
Euronet Worldwide Inc (EEFT) had an operating margin of 12.5% in fiscal year 2025, 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 7.3% in fiscal year 2025, 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 23.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Euronet Worldwide Inc's free cash flow?
Euronet Worldwide Inc (EEFT) generated $434.3M in free cash flow during fiscal year 2025. This represents a -29.5% 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 $559.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Euronet Worldwide Inc's total assets?
Euronet Worldwide Inc (EEFT) had $6.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Euronet Worldwide Inc's capital expenditures?
Euronet Worldwide Inc (EEFT) invested $125.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Euronet Worldwide Inc's current ratio?
Euronet Worldwide Inc (EEFT) had a current ratio of 1.11 as of fiscal year 2025, 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 0.79 as of fiscal year 2025, 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 4.8% for fiscal year 2025, 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 1.83, 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 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.81x, 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 67 out of 100 on our Financial Health Score, indicating strong standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.