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EEFT

💻 Technology

Euronet Worldwide, Inc.

Conservative #460Aggressive #535Moderate RiskHigh 100
$71.01+3.11%
Day High$71.34
Day Low$68.00
Volume1.1M
Mkt Cap$3.0B
52W Low $6452W High $114
Market Cap
$3.0B
P/E Ratio
11.5
Sector avg: 87.8
Rev Growth
6.4%
Sector avg: 14.8%
Earnings Growth
1.1%
Profit Margin
7.3%
Sector avg: -110.0%
Debt/Equity
1.72

Why This Score

EEFT scores 54.0 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 23.7% exceeds the 15% quality threshold.
  • Attractively valued at 11.5x earnings, below the market average.
  • Low volatility (5.8% annualized) — well-suited for risk-averse portfolios.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Elevated leverage (D/E 1.72) increases financial risk in a rising-rate environment.

Minor adjustments (-0.3 points) applied. EEFT's rank of #460 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score54.0
Fundamental Score46.9
ML Score64.0

Score by Horizon

3 Month
77.5
6 Month
86.6
Primary
1 Year
91.2

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
34
Negative
Analyst (6.4%)
66
Favorable
Tradability (post-hoc)
85
Grade A
Base
50.3
SHAP
+1.4
Factors
+0.8
Conviction
+1.7
Divergence
-0.3
Final
54.0
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)57.0
Technical (Momentum, Weinstein, Volatility)41.0
External (Sentiment, Analyst, Macro)63.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+2.9% to +7.7%
Medium-term
+5.0% to +12.3%
Long-term
+7.6% to +17.4%

ML Model Core Features100 trained inputs → ML Score: 64

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score66.3/100
Target Upside+0.0%
Coverage23 analysts
Market Sentiment
Sentiment Score34.0/100
News Volume1 articles
Technical Stage
Weinstein Stage4 — Declining
12M Momentum-0.3%
6M Momentum-0.3%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-6.6%
Momentum ConsistencyStrong (0.80)
Relative Strength vs Sector-37.3%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality-0.211
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
36%
High risk — cheap + stagnating
Sector RevGr Rank
P38
Revenue growth vs Technology peers
Sector PE Rank
P71
Valuation vs Technology peers
Sector FCF Rank
P81
Free cash flow vs Technology peers
Growth Deviation
-0.1σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 76 relative to sector peers76/100
Machine learning model ranks this stock at the 80th percentileP80
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +3.0pt (features align with model priorities)
Blend: 91% fund (75.8) + 9% ML (80.5) + SHAP(+3.0) = 79.3
Factor quality: +1.7pt (multi-factor composite)
Risk assessment: moderate. Annualized volatility 5.8%. Stability bonus of +10.4 points. Max drawdown 37% (-11.7 pts). Price momentum -34% (-5.7 pts)Moderate
Market cap adjustment: -4.0 points ($3.0B market cap)-4.0 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -8 pointsGrade B
Quality concern: High accrual ratio (-22.1%) — earnings quality concern; High leverage: D/E ratio of 1.7x — elevated balance sheet risk; R&D-adjusted ROIC: 8.9% (original: 10.1%). Software - Infrastructure has ~22% R&D intensity. Capitalizing R&D over 5 years increases invested capital by ~55%.Flag

Sector Peer Comparison(Technology — Rank #107 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
EEFT54.011.56.4%7.3%$3.0B
MPWR84.891.721.2%81.0%$57.1B
ZM84.218.03.1%21.7%$27.7B
NVDA80.645.2114.2%55.8%$4.5T
CRUS79.719.16.0%17.5%$7.4B
ASML77.848.115.6%29.4%$546.0B
IDCC77.431.8-4.0%48.8%$9.7B
CSCO77.127.65.3%18.0%$303.6B
RMBS75.548.320.7%32.3%$11.0B
DBX75.313.91.9%17.7%$6.4B
FSLR75.017.326.7%30.7%$24.2B
SIMO74.79.210.2%13.8%$4.5B
ADI74.374.116.9%20.6%$165.1B
AAPL72.533.16.4%27.0%$3.9T
OLED72.527.012.4%34.3%$5.9B
AMAT72.336.44.4%24.7%$281.7B
Sector Average47.487.814.8%-110.0%

Market Sentimentvia FMP

Analyst Consensus
Buy23 analysts
Buy: 16Hold: 6Sell: 1
Price Target
$101consensus
Low $80Median $95High $133
+41.9% to consensus target

Company Overviewvia FMP

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, agents, retailers, merchants, content providers, and individual consumers worldwide. The company's Electronic Fund Transfer Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions, as well as delivers non-cash products. This segment operates a network of 42,713 ATMs and approximately 438,000 POS terminals. Its epay segment distributes and processed prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 775,000 POS terminals. The company's Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. This segment operates a network of approximately 510,000 money transfer locations. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.

CEO
Michael J. Brown
Employees
10,600
Beta
0.79
Industry
Software - Infrastructure
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
50.1
Neutral
Trend
Bearish
10-day vs 50-day MA
From 52W High
-37.8%
High: $114.25
From 52W Low
+10.4%
Low: $64.34
Moving Averages
10-Day
$70.20
Above
20-Day
$71.20
Below
50-Day
$73.70
Below
200-Day
$87.80
Below
60-Day Support
$64.34
60-Day Resistance
$79.37
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 — DecliningScore: 12/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-19.1%
200 SMA Slope (60d)
-8.53%
Falling
Volume Ratio
1.26x
10d avg vs 50d avg
Days in Stage
100
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$1.1B$1.1B$1.1B$916M
Gross Profit$921M$958M$280M$190M
Operating Income$101M$195M$159M$75M
Net Income$52M$122M$98M$39M
EPS (Diluted)$1.08$2.75$2.27$0.85
Gross Margin83.1%83.6%26.1%20.8%
Operating Margin9.1%17.0%14.8%8.2%
Net Margin4.6%10.6%9.1%4.3%

Why This Stock

TechnologyP/E ratio of 11.5Valuation below sector median (P/E 11.5)

Tradability FilterGrade A — 85/100Score impact: -7.1pt

Volume
90
742K avg/day
Dollar Vol
100
$52M/day
Float
69
39M shares
Mkt Cap
62
$3.0B
Range
99
78% spread
Composite Liquidity Score85/100
FDCBA

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
93.4%
Outstanding Shares
42M
Bid-Ask Spread
78.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.