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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $4.24B | $3.99B | $3.69B | $3.36B | $3.00B | $2.48B |
| Cost of Revenue | - | - | - | - | - | $1.58B |
| Gross Profit | - | - | - | - | - | $906.00M |
| R&D | - | - | - | - | - | - |
| SG&A | $372.20M | $315.30M | $296.80M | $285.17M | $251.93M | $221.61M |
| Total Operating Expenses | $3.71B | $3.49B | $3.26B | $2.97B | $2.81B | $2.44B |
| D&A | $138.50M | $131.80M | $135.90M | $135.86M | $135.75M | $127.02M |
| Operating Income | $529.80M | $503.20M | $432.60M | $385.34M | $184.02M | $46.62M |
| Interest Expense | $84.50M | $80.50M | $55.60M | $37.59M | $38.20M | $36.60M |
| Income Tax | $135.20M | $142.60M | $120.90M | $91.85M | $65.09M | $11.47M |
| Net Income | $309.50M | $306.00M | $279.70M | $230.99M | $70.73M | ($3.40M) |
| EPS - Basic | $7.40 | $6.82 | $5.77 | $4.60 | ($1.34) | ($0.06) |
| EPS - Diluted | $6.84 | $6.45 | $5.50 | $4.41 | ($1.32) | ($0.06) |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.04B | $1.28B | $1.25B | $1.13B | $1.26B | $1.42B |
| Accounts Receivable | $334.50M | $284.90M | $370.60M | $270.83M | $203.01M | $117.52M |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | $268.70M | $223.80M | $241.20M | $222.45M | $193.53M | $147.59M |
| Current Assets | $4.27B | $4.04B | $4.16B | $3.73B | $3.31B | $3.37B |
| Total Assets | $6.49B | $5.83B | $5.89B | $5.40B | $4.74B | $4.93B |
| Current Liabilities | $3.85B | $3.23B | $2.70B | $2.35B | $1.85B | $1.86B |
| Long-term Debt | $1.04B | $1.13B | $1.72B | $1.61B | $1.42B | $1.44B |
| Total Liabilities | $5.17B | $4.61B | $4.64B | $4.16B | $3.49B | $3.48B |
| Stockholders' Equity | $1.31B | $1.23B | $1.25B | $1.24B | $1.26B | $1.45B |
| Retained Earnings | $2.24B | $1.93B | $1.63B | $1.35B | $1.08B | $1.01B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $559.80M | $732.80M | $643.10M | $748.29M | $406.58M | $253.50M |
| Investing Cash Flow | ($138.50M) | ($223.30M) | ($157.60M) | ($453.78M) | ($98.11M) | ($105.53M) |
| Financing Cash Flow | ($788.60M) | ($135.70M) | ($143.20M) | ($1.15M) | ($212.24M) | $35.40M |
| CapEx | $125.50M | $117.20M | $94.40M | $104.26M | $92.21M | $97.63M |
| Free Cash Flow | $434.30M | $615.60M | $548.70M | $644.03M | $314.37M | $155.88M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | 36.5% |
| Operating margin | 12.5% | 12.6% | 11.7% | 11.5% | 6.1% | 1.9% |
| EBITDA margin | 15.7% | 15.9% | 15.4% | 15.5% | 10.7% | 7.0% |
| Net margin | 7.3% | 7.7% | 7.6% | 6.9% | 2.4% | -0.1% |
| Free cash flow margin | 10.2% | 15.4% | 14.9% | 19.2% | 10.5% | 6.3% |
| FCF / Net income | 1.40 | 2.01 | 1.96 | 2.79 | 4.44 | -45.86 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 8.8% | 7.9% | 8.0% | 8.5% | 8.4% | 8.9% |
| Effective tax rate | 30.4% | 31.8% | 30.2% | 28.5% | 47.9% | 142.1% |
| Return on assets | 4.8% | 5.2% | 4.7% | 4.3% | 1.5% | -0.1% |
| Return on equity | 23.7% | 24.9% | 22.4% | 18.6% | 5.6% | -0.2% |
| Return on invested capital | 15.7% | 14.5% | 10.2% | 9.7% | 3.6% | 0.8% |
| Liquidity | ||||||
| Current ratio | 1.11 | 1.25 | 1.54 | 1.58 | 1.79 | 1.81 |
| Quick ratio | 1.11 | 1.25 | 1.54 | 1.58 | 1.79 | 1.81 |
| Cash ratio | 0.27 | 0.40 | 0.46 | 0.48 | 0.68 | 0.77 |
| Leverage | ||||||
| Debt / Equity | 0.79 | 0.92 | 1.37 | 1.29 | 1.13 | 0.99 |
| Debt / Assets | 0.16 | 0.19 | 0.29 | 0.30 | 0.30 | 0.29 |
| Debt / EBITDA | 1.55 | 1.79 | 3.02 | 3.09 | 4.44 | 8.28 |
| Interest coverage | 6.3x | 6.3x | 7.8x | 10.3x | 4.8x | 1.3x |
| Equity multiplier | 4.96 | 4.75 | 4.72 | 4.34 | 3.78 | 3.41 |
| Liabilities / Assets | 0.80 | 0.79 | 0.79 | 0.77 | 0.74 | 0.71 |
| Efficiency | ||||||
| Asset turnover | 0.65 | 0.68 | 0.63 | 0.62 | 0.63 | 0.50 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | 29d | 26d | 37d | 29d | 25d | 17d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | 34d |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.1x | 15.9x | 18.5x | 21.4x | - | - |
| P / B | 2.7x | 4.0x | 4.2x | 4.1x | 5.1x | 5.3x |
| P / S | 0.8x | 1.2x | 1.4x | 1.5x | 2.1x | 3.1x |
| EV / EBITDA | 5.2x | 7.6x | 10.0x | 10.6x | 20.4x | 44.0x |
| Growth | ||||||
| Revenue growth (YoY) | 6.4% | 8.2% | 9.8% | 12.1% | 20.7% | 10.2% |
| Revenue CAGR (3y) | 8.1% | 10.0% | 14.1% | 14.2% | 5.7% | 3.3% |
| Revenue CAGR (5y) | 11.3% | 12.1% | 7.8% | 8.3% | 8.9% | 7.0% |
| Gross profit growth (YoY) | - | - | - | - | - | 30.2% |
| Operating income growth (YoY) | 5.3% | 16.3% | 12.3% | 109.4% | 294.7% | -90.2% |
| Net income growth (YoY) | 1.1% | 9.4% | 21.1% | 226.6% | - | - |
| EPS growth (YoY) | 6.0% | 17.3% | 24.7% | - | -2100.0% | - |
| EPS CAGR (3y) | 15.8% | - | - | -11.3% | - | - |
| EPS CAGR (5y) | - | 0.4% | 5.2% | 9.1% | - | - |
| FCF growth (YoY) | -29.5% | 12.2% | -14.8% | 104.9% | 101.7% | -58.2% |
| FCF CAGR (5y) | 22.7% | 10.5% | 14.0% | 27.1% | 2.3% | 2.1% |
| Book value growth (YoY) | 6.4% | -1.7% | 0.4% | -0.9% | -13.2% | -8.5% |
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%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.35
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- ✗Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
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.