EEFT · Euronet Worldwide, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.01B | - | $1.15B | $1.07B | $915.50M | - | $1.10B | $986.20M | $857.00M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $92.60M | - | $84.60M | $87.80M | $83.00M | - | $80.60M | $79.40M | $71.90M | - |
| Total Operating Expenses | $939.80M | - | $950.70M | $915.70M | $840.30M | - | $917.10M | $851.90M | $793.00M | - |
| D&A | $39.90M | - | $34.80M | $33.80M | $32.20M | - | $32.90M | $33.70M | $32.70M | - |
| Operating Income | $72.00M | - | $195.00M | $158.60M | $75.20M | - | $182.20M | $134.30M | $64.00M | - |
| Interest Expense | $14.10M | - | $22.50M | $28.20M | $14.90M | - | $24.20M | $20.10M | $14.90M | - |
| Income Tax | $29.00M | - | $55.10M | $33.60M | $7.10M | - | $56.80M | $39.20M | $16.00M | - |
| Net Income | $37.50M | - | $122.00M | $97.60M | $38.40M | - | $151.50M | $83.10M | $26.20M | - |
| EPS - Basic | $0.96 | - | $3.02 | $2.31 | $0.88 | - | $3.41 | $1.83 | $0.57 | - |
| EPS - Diluted | $0.83 | - | $2.75 | $2.27 | $0.85 | - | $3.21 | $1.73 | $0.55 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.23B | $1.04B | $1.17B | $1.33B | $1.39B | $1.28B | $1.52B | $1.27B | $1.24B | $1.25B |
| Accounts Receivable | $310.70M | $334.50M | $297.20M | $328.40M | $330.50M | $284.90M | $273.20M | $428.10M | $407.60M | $370.60M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $263.20M | $268.70M | $209.50M | $253.80M | $249.00M | $223.80M | $265.80M | $268.40M | $280.10M | $241.20M |
| Current Assets | $4.16B | $4.27B | $4.24B | $4.54B | $4.17B | $4.04B | $4.39B | $4.27B | $3.93B | $4.16B |
| Total Assets | $6.33B | $6.49B | $6.28B | $6.55B | $6.05B | $5.83B | $6.29B | $6.06B | $5.69B | $5.89B |
| Current Liabilities | $3.26B | $3.85B | $3.67B | $3.94B | $2.61B | $3.23B | $3.47B | $3.57B | $2.96B | $2.70B |
| Long-term Debt | $1.58B | $1.04B | $1.07B | $1.00B | $1.91B | $1.13B | $1.20B | $1.03B | $1.26B | $1.72B |
| Total Liabilities | $5.11B | $5.17B | $5.00B | $5.19B | $4.75B | $4.61B | $4.93B | $4.85B | $4.45B | $4.64B |
| Stockholders' Equity | $1.21B | $1.31B | $1.26B | $1.35B | $1.30B | $1.23B | $1.36B | $1.21B | $1.24B | $1.25B |
| Retained Earnings | $2.28B | $2.24B | $2.19B | $2.07B | $1.97B | $1.93B | $1.89B | $1.74B | $1.65B | $1.63B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($122.00M) | - | - | - | $1.70M | - | - | - | $30.00M | - |
| Investing Cash Flow | ($28.80M) | - | - | - | ($54.70M) | - | - | - | ($96.80M) | - |
| Financing Cash Flow | $441.30M | - | - | - | $162.60M | - | - | - | $81.30M | - |
| CapEx | $28.50M | - | - | - | $23.20M | - | - | - | $23.80M | - |
| Free Cash Flow | ($150.50M) | - | - | - | ($21.50M) | - | - | - | $6.20M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 7.1% | - | 17.0% | 14.8% | 8.2% | - | 16.6% | 13.6% | 7.5% | - |
| EBITDA margin | 11.1% | - | 20.1% | 17.9% | 11.7% | - | 19.6% | 17.0% | 11.3% | - |
| Net margin | 3.7% | - | 10.6% | 9.1% | 4.2% | - | 13.8% | 8.4% | 3.1% | - |
| Free cash flow margin | -14.9% | - | - | - | -2.3% | - | - | - | 0.7% | - |
| FCF / Net income | -4.01 | - | - | - | -0.56 | - | - | - | 0.24 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 9.2% | - | 7.4% | 8.2% | 9.1% | - | 7.3% | 8.1% | 8.4% | - |
| Effective tax rate | 43.6% | - | 31.1% | 25.6% | 15.6% | - | 27.3% | 32.1% | 37.9% | - |
| Return on assets | 0.6% | - | 1.9% | 1.5% | 0.6% | - | 2.4% | 1.4% | 0.5% | - |
| Return on equity | 3.1% | - | 9.7% | 7.2% | 2.9% | - | 11.1% | 6.8% | 2.1% | - |
| Return on invested capital | 1.5% | - | 5.8% | 5.0% | 2.0% | - | 5.2% | 4.1% | 1.6% | - |
| Liquidity | ||||||||||
| Current ratio | 1.28 | 1.11 | 1.15 | 1.15 | 1.60 | 1.25 | 1.26 | 1.19 | 1.33 | 1.54 |
| Quick ratio | 1.28 | 1.11 | 1.15 | 1.15 | 1.60 | 1.25 | 1.26 | 1.19 | 1.33 | 1.54 |
| Cash ratio | 0.38 | 0.27 | 0.32 | 0.34 | 0.53 | 0.40 | 0.44 | 0.36 | 0.42 | 0.46 |
| Leverage | ||||||||||
| Debt / Equity | 1.31 | 0.79 | 0.85 | 0.74 | 1.46 | 0.92 | 0.88 | 0.85 | 1.01 | 1.37 |
| Debt / Assets | 0.25 | 0.16 | 0.17 | 0.15 | 0.31 | 0.19 | 0.19 | 0.17 | 0.22 | 0.29 |
| Debt / EBITDA | 14.16 | - | 4.66 | 5.21 | 17.75 | - | 5.56 | 6.15 | 13.02 | - |
| Interest coverage | 5.1x | - | 8.7x | 5.6x | 5.0x | - | 7.5x | 6.7x | 4.3x | - |
| Equity multiplier | 5.23 | 4.96 | 4.97 | 4.85 | 4.65 | 4.75 | 4.62 | 4.99 | 4.58 | 4.72 |
| Liabilities / Assets | 0.81 | 0.80 | 0.80 | 0.79 | 0.78 | 0.79 | 0.78 | 0.80 | 0.78 | 0.79 |
| Efficiency | ||||||||||
| Asset turnover | 0.16 | - | 0.18 | 0.16 | 0.15 | - | 0.17 | 0.16 | 0.15 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 112d | - | 95d | 112d | 132d | - | 91d | 158d | 174d | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 80.0x | - | 31.9x | 44.7x | 125.7x | - | 30.9x | 59.8x | 199.9x | - |
| P / B | 2.6x | - | 3.1x | 3.2x | 3.8x | - | 3.5x | 4.2x | 4.3x | - |
| P / S | 3.1x | - | 3.4x | 4.1x | 5.4x | - | 4.3x | 5.1x | 6.3x | - |
| EV / EBITDA | 31.0x | - | 16.7x | 20.9x | 50.8x | - | 20.4x | 28.6x | 55.9x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 10.5% | - | 4.2% | 8.9% | 6.8% | - | 9.5% | 5.0% | 8.9% | - |
| Revenue CAGR (3y) | 8.7% | - | 7.2% | 8.4% | 8.4% | - | 10.4% | 11.3% | 9.5% | - |
| Revenue CAGR (5y) | 9.2% | - | - | 10.1% | 9.4% | - | 6.9% | 7.3% | 8.2% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -4.3% | - | 7.0% | 18.1% | 17.5% | - | 9.1% | 9.5% | 40.4% | - |
| Net income growth (YoY) | -2.3% | - | -19.5% | 17.4% | 46.6% | - | 45.4% | -3.5% | 30.3% | - |
| EPS growth (YoY) | -2.4% | - | -14.3% | 31.2% | 54.5% | - | 56.6% | 4.8% | 41.0% | - |
| EPS CAGR (3y) | 28.6% | - | 13.7% | -87.2% | 74.5% | - | 32.8% | 121.1% | - | - |
| EPS CAGR (5y) | - | - | - | 24.5% | 84.3% | - | 5.5% | 6.7% | -2.4% | - |
| FCF growth (YoY) | -600.0% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -7.0% | 6.4% | -7.2% | 11.4% | 4.7% | -1.7% | 19.2% | -12.2% | -2.3% | 0.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$4.25B totalMoney Transfer Segment$1.78B · 41.9%
EFTProcessing Segment$1.28B · 30.2%
Epay Segment$1.19B · 27.9%
Geographic
$8.78B totalNon Us$3.25B · 37.0%
US$993.50M · 11.3%
Europe$927.80M · 10.6%
DE$756.30M · 8.6%
Other Countries$606.20M · 6.9%
ES$290.60M · 3.3%
GR$261.80M · 3.0%
Asia Pacific$229.10M · 2.6%
FR$228.80M · 2.6%
IT$214.60M · 2.4%
IN$203.30M · 2.3%
GB$173.30M · 2.0%
PL$139.30M · 1.6%
North America$91.00M · 1.0%
MY$86.20M · 1.0%
NL$69.70M · 0.8%
CA$65.80M · 0.7%
AU$59.40M · 0.7%
BR$49.30M · 0.6%
NZ$46.10M · 0.5%
Other Geographic Locations$35.80M · 0.4%
Peer comparison
Same SIC group: Functions Related To Depository Banking, NEC
Comparing EURONET WORLDWIDE against the 2 most active filers in the same SIC group.