Euronet Worldwide (EEFT) Financials

$70.41 -2.07 (-2.86%)

Closing price 04:00 PM Eastern

Extended Trading

$70.43 +0.02 (+0.03%)

As of 04:28 PM Eastern

Annual Income Statements for Euronet Worldwide

This table shows Euronet Worldwide's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	99	174	157	233	347	-3.40	71	231	280	306	310
Consolidated Net Income / (Loss)	98	174	157	232	347	-3.30	71	231	280	306	313
Net Income / (Loss) Continuing Operations	98	174	157	232	347	-3.30	71	231	280	306	313
Total Pre-Tax Income	141	233	256	295	434	8.17	136	323	400	449	448
Total Operating Income	205	250	266	358	475	47	184	385	433	503	530
Total Gross Profit	431	496	585	2,176	2,355	2,079	2,511	2,825	3,085	3,340	3,531
Total Revenue	1,772	1,959	2,252	2,537	2,750	2,483	2,996	3,359	3,688	3,990	4,244
Operating Revenue	1,772	1,959	2,252	2,537	2,750	2,483	2,996	3,359	3,688	3,990	4,244
Total Cost of Revenue	1,341	1,463	1,667	360	395	404	485	534	603	650	713
Operating Cost of Revenue	1,341	1,463	1,667	360	395	404	485	534	603	650	713
Total Operating Expenses	226	246	319	1,818	1,880	2,032	2,327	2,439	2,653	2,836	3,002
Selling, General & Admin Expense	156	165	190	1,705	1,768	1,798	2,152	2,303	2,520	2,705	2,863
Depreciation Expense	70	81	95	106	112	127	136	136	133	132	139
Impairment Charge	0.00	0.00	34	7.05	0.00	107	-	-	0.00	0.00	0.20
Total Other Income / (Expense), net	-64	-17	-9.66	-63	-41	-38	-48	-63	-32	-54	-82
Interest Expense	25	28	33	38	36	37	38	38	56	81	85
Interest & Investment Income	2.17	1.70	2.49	1.20	1.97	1.04	0.70	2.00	15	24	23
Other Income / (Expense), net	-41	9.76	20	-27	-7.12	-2.89	-11	-27	8.20	2.40	-20
Income Tax Expense	43	59	99	63	87	11	65	92	121	143	135
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.32	-0.32	0.10	-0.72	-0.05	0.10	-0.20	-0.30	-0.20	0.30	3.50
Basic Earnings per Share	$1.89	$3.34	$2.99	$4.52	$6.49	($0.06)	$1.34	$4.60	$5.77	$6.82	$7.40
Weighted Average Basic Shares Outstanding	52.27M	52.28M	52.52M	51.49M	53.45M	52.66M	52.59M	50.18M	48.48M	44.90M	41.81M
Diluted Earnings per Share	$1.83	$3.23	$2.85	$4.26	$6.31	($0.06)	$1.32	$4.41	$5.50	$6.45	$6.84
Weighted Average Diluted Shares Outstanding	54.08M	54.00M	55.12M	54.63M	54.91M	52.66M	53.53M	53.46M	51.60M	48.08M	45.78M
Weighted Average Basic & Diluted Shares Outstanding	52.30M	52.20M	52.50M	51.50M	53.52M	52,752.85T	51.16M	49.83M	45.78M	43.74M	39.33M

This table shows Euronet Worldwide's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	86	104	69	26	83	152	45	38	98	122	52
Consolidated Net Income / (Loss)	86	104	70	26	83	152	45	38	98	125	52
Net Income / (Loss) Continuing Operations	86	104	70	26	83	152	45	38	98	125	52
Total Pre-Tax Income	118	147	98	42	122	208	76	46	131	180	91
Total Operating Income	123	167	97	64	134	182	123	75	159	195	101
Total Gross Profit	790	850	800	702	828	930	879	751	901	958	921
Total Revenue	939	1,004	958	857	986	1,099	1,047	916	1,074	1,146	1,109
Operating Revenue	939	1,004	958	857	986	1,099	1,047	916	1,074	1,146	1,109
Total Cost of Revenue	149	154	158	155	158	170	168	164	174	187	188
Operating Cost of Revenue	149	154	158	155	158	170	168	164	174	187	188
Total Operating Expenses	667	683	702	638	694	748	757	676	742	763	820
Selling, General & Admin Expense	633	651	669	606	660	715	724	644	708	729	782
Depreciation Expense	34	33	34	33	34	33	33	32	34	35	38
Total Other Income / (Expense), net	-4.30	-20	0.50	-22	-12	26	-47	-30	-27	-15	-9.80
Interest Expense	14	15	17	15	20	24	21	19	28	23	14
Interest & Investment Income	3.50	4.00	5.10	5.70	5.90	6.50	5.70	5.30	6.20	6.20	5.50
Other Income / (Expense), net	6.20	-8.80	12	-13	2.30	44	-31	-16	-5.30	1.50	-0.90
Income Tax Expense	32	43	28	16	39	57	31	7.10	34	55	39
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.10	0.00	0.20	0.00	0.10	0.10	0.10	0.00	0.10	3.10	0.30
Basic Earnings per Share	$1.73	$2.15	$1.49	$0.57	$1.83	$3.41	$1.01	$0.88	$2.31	$3.02	$1.19
Weighted Average Basic Shares Outstanding	49.64M	48.41M	48.48M	45.82M	45.43M	44.42M	44.90M	43.68M	42.32M	40.33M	41.81M
Diluted Earnings per Share	$1.65	$2.05	$1.41	$0.55	$1.73	$3.21	$0.96	$0.85	$2.27	$2.75	$0.97
Weighted Average Diluted Shares Outstanding	52.87M	51.47M	51.60M	48.96M	48.70M	47.55M	48.08M	46.24M	42.95M	44.81M	45.78M
Weighted Average Basic & Diluted Shares Outstanding	49.66M	46.12M	45.78M	45.87M	44.91M	43.93M	43.74M	43.24M	41.00M	42.04M	39.33M

This table details how cash moves in and out of Euronet Worldwide's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	-10	335	23	230	672	282	-13	-95	256	241	-125
Net Cash From Operating Activities	215	392	286	397	504	254	406	748	643	733	560
Net Cash From Continuing Operating Activities	215	392	286	397	485	254	406	748	643	733	560
Net Income / (Loss) Continuing Operations	98	174	157	232	347	-3.30	71	231	280	306	313
Consolidated Net Income / (Loss)	98	174	157	232	347	-3.30	71	231	280	306	313
Depreciation Expense	70	81	95	106	112	127	136	136	133	132	139
Amortization Expense	12	13	14	14	17	19	20	3.70	4.00	4.10	4.50
Non-Cash Adjustments To Reconcile Net Income	54	5.73	29	51	8.91	132	47	72	46	63	77
Changes in Operating Assets and Liabilities, net	-20	118	-8.52	-5.63	0.39	-21	133	306	181	228	26
Net Cash From Investing Activities	-194	-136	-102	-132	-229	-106	-98	-454	-158	-223	-139
Net Cash From Continuing Investing Activities	-194	-136	-102	-132	-229	-106	-98	-454	-158	-223	-139
Purchase of Property, Plant & Equipment	-81	-94	-103	-121	-139	-105	-100	-112	-104	-132	-139
Acquisitions	-114	-56	0.00	-13	-94	-1.10	0.00	-343	-1.30	-92	24
Other Investing Activities, net	1.00	1.29	1.42	1.58	3.72	0.97	1.90	1.20	-53	0.10	-24
Net Cash From Financing Activities	-1.19	80	-161	2.02	416	35	-212	-1.20	-143	-136	-789
Net Cash From Continuing Financing Activities	-1.19	80	-161	2.02	416	35	-212	-1.20	-143	-136	-787
Repayment of Debt	-1,329	-2,506	-2,580	-5,621	-3,185	-2,855	-5,067	-7,739	-7,396	-7,993	-10,171
Repurchase of Common Equity	-6.08	-77	-3.07	-178	-74	-242	-230	-176	-378	-269	-668
Issuance of Debt	1,323	2,656	2,411	5,783	3,661	3,114	5,074	7,905	7,623	8,108	10,141
Issuance of Common Equity	11	6.29	11	19	15	18	11	9.10	7.80	17	9.90
Other Financing Activities, net	-	-	-	-	-	-	-	-	0.00	0.00	-100
Other Net Changes in Cash	-	-	-	-	-	-	-	-	-	-	242
Cash Interest Paid	12	14	20	24	13	17	19	29	53	78	70
Cash Income Taxes Paid	55	43	49	84	74	60	49	86	95	109	153

This table details how cash moves in and out of Euronet Worldwide's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Change in Cash & Equivalents	-118	223	204	-33	341	387	-454	201	231	-230	-328
Net Cash From Operating Activities	217	287	136	30	182	440	80	1.70	183	197	178
Net Cash From Continuing Operating Activities	217	287	136	30	182	440	80	1.70	183	197	178
Net Income / (Loss) Continuing Operations	86	104	70	26	83	152	45	38	98	125	52
Consolidated Net Income / (Loss)	86	104	70	26	83	152	45	38	98	125	52
Depreciation Expense	34	33	34	33	34	33	33	32	34	35	38
Amortization Expense	1.00	1.00	1.00	1.00	1.00	1.20	0.90	1.00	0.60	1.20	1.70
Non-Cash Adjustments To Reconcile Net Income	6.20	22	2.60	25	8.70	-17	46	29	20	12	17
Changes in Operating Assets and Liabilities, net	90	128	29	-55	56	271	-45	-99	31	24	70
Net Cash From Investing Activities	-27	-29	-83	-97	-58	-30	-38	-55	-34	-48	-1.50
Net Cash From Continuing Investing Activities	-27	-29	-83	-97	-58	-30	-38	-55	-34	-48	-1.50
Purchase of Property, Plant & Equipment	-26	-30	-28	-27	-37	-30	-38	-27	-38	-39	-35
Acquisitions	-	-	-1.50	-69	-21	-0.50	-0.30	-0.10	3.30	-13	33
Other Investing Activities, net	-1.90	0.50	-53	-0.30	-0.30	0.10	0.60	-28	0.30	2.00	1.70
Net Cash From Financing Activities	109	-313	65	81	223	-119	-321	163	-83	-358	-510
Net Cash From Continuing Financing Activities	-341	137	65	81	223	-119	-321	163	-84	-358	-508
Repayment of Debt	-1,977	-2,458	-1,518	-1,951	-2,181	-1,856	-2,005	-2,541	-2,355	-3,033	-2,242
Repurchase of Common Equity	-0.10	-296	-53	-2.10	-114	-101	-51	-63	-247	-131	-226
Issuance of Debt	1,635	2,891	1,632	2,033	2,517	1,837	1,722	2,766	2,517	2,902	1,956
Issuance of Common Equity	1.40	0.70	4.70	1.40	1.90	1.20	13	1.70	1.80	3.40	3.00
Cash Interest Paid	24	9.50	14	9.40	20	26	23	17	17	20	17
Cash Income Taxes Paid	23	26	33	20	32	22	35	18	57	30	48

This table presents Euronet Worldwide's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	2,193	2,713	3,140	3,321	4,658	4,927	4,744	5,404	5,894	5,835	6,489
Total Current Assets	1,131	1,585	534	2,088	2,919	3,366	3,308	3,727	4,163	4,037	4,270
Cash & Equivalents	458	734	280	385	786	1,831	1,804	1,647	1,779	1,279	1,691
Restricted Cash	45	78	-	77	34	3.33	3.69	7.40	15	9.20	23
Accounts Receivable	423	503	-	203	202	118	203	271	371	285	335
Prepaid Expenses	133	192	-	158	218	273	195	359	316	297	312
Other Current Assets	-	-	254	1,907	1,679	1,141	1,102	1,443	1,682	2,167	1,910
Plant, Property, & Equipment, net	157	202	268	292	360	378	345	337	332	330	375
Total Noncurrent Assets	904	926	917	1,261	1,379	1,182	1,090	1,340	1,400	1,468	1,843
Noncurrent Note & Lease Receivables	-	-	-	-	-	-	-	0.00	60	61	88
Goodwill	685	690	717	704	744	666	642	828	848	859	1,042
Intangible Assets	168	165	151	114	142	122	98	188	168	189	261
Other Noncurrent Operating Assets	51	71	49	442	493	395	351	324	325	359	452
Total Liabilities & Shareholders' Equity	2,193	2,713	0.00	3,321	4,658	4,927	4,744	5,404	5,894	5,835	6,489
Total Liabilities	1,367	1,812	0.00	2,088	3,078	3,481	3,489	4,159	4,645	4,605	5,166
Total Current Liabilities	904	1,179	0.00	1,378	1,634	1,855	1,853	2,354	2,701	3,226	3,855
Short-Term Debt	14	35	-	38	6.09	53	53	50	201	813	1,038
Accounts Payable	456	457	-	73	82	148	194	222	241	224	269
Accrued Expenses	383	615	-	253	295	404	368	506	439	476	495
Current Deferred Revenue	36	44	-	59	59	73	77	65	57	56	60
Current Deferred & Payable Income Tax Liabilities	15	28	-	40	53	36	59	68	82	86	83
Other Current Liabilities	-	-	-	915	1,140	1,141	1,102	1,443	1,682	1,571	1,910
Total Noncurrent Liabilities	463	633	0.00	710	1,444	1,625	1,636	1,805	1,944	1,379	1,312
Long-Term Debt	405	562	-	590	1,091	1,438	1,420	1,609	1,715	1,134	1,038
Capital Lease Obligations	4.15	6.97	-	-	242	107	111	103	96	87	101
Noncurrent Deferred & Payable Income Tax Liabilities	34	44	-	57	56	38	47	28	47	72	78
Other Noncurrent Operating Liabilities	19	21	-	63	55	43	58	65	86	86	95
Total Equity & Noncontrolling Interests	826	901	1,199	1,233	1,579	1,446	1,256	1,244	1,250	1,229	1,323
Total Preferred & Common Equity	825	900	0.00	1,233	1,579	1,446	1,255	1,245	1,250	1,229	1,308
Preferred Stock	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	825	900	0.00	1,233	1,579	1,446	1,255	1,245	1,250	1,229	1,308
Common Stock	1,024	1,047	-	1,105	1,191	1,230	1,275	1,253	1,313	1,371	1,551
Retained Earnings	104	279	-	670	1,017	1,013	1,084	1,348	1,628	1,934	2,243
Treasury Stock	-139	-215	-	-392	-464	-703	-931	-1,106	-1,488	-1,755	-2,425
Accumulated Other Comprehensive Income / (Loss)	-166	-211	-	-151	-165	-94	-173	-251	-203	-322	-62
Noncontrolling Interest	1.37	1.01	-	0.17	0.07	0.28	0.04	-0.20	-0.20	0.50	15

This table presents Euronet Worldwide's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025
Total Assets	4,828	5,011	5,221	5,163	5,694	6,061	6,289	6,054	6,555	6,275
Total Current Assets	3,246	3,342	3,545	3,536	3,928	4,267	4,386	4,174	4,536	4,241
Cash & Equivalents	1,613	1,066	1,138	1,678	1,836	1,272	2,330	2,094	1,329	2,021
Restricted Cash	8.40	13	14	14	16	24	19	11	40	44
Accounts Receivable	225	205	243	301	408	428	273	331	328	297
Prepaid Expenses	364	346	305	302	255	269	303	320	354	323
Other Current Assets	1,035	1,713	1,845	1,242	1,414	2,274	1,461	1,419	2,485	1,556
Plant, Property, & Equipment, net	318	333	336	328	325	331	340	337	365	367
Total Noncurrent Assets	1,264	1,337	1,340	1,299	1,441	1,463	1,563	1,542	1,654	1,667
Noncurrent Note & Lease Receivables	-	-	-	-	61	61	61	87	87	88
Goodwill	765	834	838	818	849	878	913	882	955	950
Intangible Assets	180	183	177	167	209	201	206	189	206	199
Other Noncurrent Operating Assets	319	319	325	313	323	324	383	385	406	431
Total Liabilities & Shareholders' Equity	4,828	5,011	5,221	5,163	5,694	6,061	6,289	6,054	6,555	6,275
Total Liabilities	3,801	3,739	3,839	4,021	4,450	4,847	4,927	4,752	5,192	4,997
Total Current Liabilities	2,170	1,905	2,337	2,569	2,957	3,572	3,471	2,608	3,935	3,673
Short-Term Debt	304	0.10	450	450	675	1,234	1,080	294	1,434	1,286
Accounts Payable	170	176	190	207	280	268	266	249	254	210
Accrued Expenses	495	463	435	469	402	403	460	439	492	455
Current Deferred Revenue	59	64	60	55	58	56	58	56	56	55
Current Deferred & Payable Income Tax Liabilities	63	69	83	97	78	81	96	101	97	111
Other Current Liabilities	1,080	1,134	1,119	1,291	1,464	1,529	1,512	1,469	1,602	1,556
Total Noncurrent Liabilities	1,630	1,833	1,502	1,452	1,493	1,276	1,456	2,143	1,256	1,324
Long-Term Debt	1,428	1,643	1,307	1,263	1,259	1,033	1,196	1,906	1,002	1,071
Capital Lease Obligations	95	97	99	95	98	97	95	98	101	100
Noncurrent Deferred & Payable Income Tax Liabilities	38	31	31	29	51	63	78	57	64	60
Other Noncurrent Operating Liabilities	69	63	65	65	86	83	87	82	89	92
Total Equity & Noncontrolling Interests	1,027	1,272	1,382	1,142	1,244	1,214	1,362	1,302	1,363	1,279
Total Preferred & Common Equity	1,028	1,273	1,382	1,143	1,244	1,214	1,362	1,302	1,352	1,263
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,028	1,273	1,382	1,143	1,244	1,214	1,362	1,302	1,352	1,263
Common Stock	1,235	1,268	1,282	1,295	1,326	1,338	1,350	1,383	1,399	1,342
Retained Earnings	1,281	1,368	1,455	1,559	1,654	1,737	1,889	1,972	2,070	2,192
Treasury Stock	-1,106	-1,134	-1,134	-1,430	-1,488	-1,604	-1,706	-1,817	-2,067	-2,199
Accumulated Other Comprehensive Income / (Loss)	-382	-230	-220	-281	-248	-258	-172	-237	-51	-72
Noncontrolling Interest	-0.53	-0.40	-0.50	-0.60	-0.20	-0.10	0.30	-0.50	12	15

This table displays calculated financial ratios and metrics derived from Euronet Worldwide's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.50%	10.52%	15.00%	12.62%	8.42%	-9.72%	20.65%	12.13%	9.80%	8.18%	6.38%
EBITDA Growth	8.97%	43.52%	11.90%	14.30%	32.23%	-68.22%	73.56%	51.18%	16.07%	11.04%	1.71%
EBIT Growth	8.23%	58.50%	10.36%	15.67%	41.29%	-90.66%	296.02%	106.76%	23.09%	14.70%	0.77%
NOPAT Growth	25.60%	30.58%	-12.78%	72.99%	34.81%	-104.96%	607.45%	188.10%	9.57%	13.70%	7.76%
Net Income Growth	-2.95%	76.76%	-9.86%	47.91%	49.35%	-100.95%	2,233.78%	227.23%	21.15%	9.59%	2.19%
EPS Growth	-3.17%	76.50%	-11.76%	49.47%	48.12%	-100.95%	2,300.00%	234.09%	24.72%	17.27%	6.05%
Operating Cash Flow Growth	-8.50%	82.06%	-26.88%	38.76%	27.00%	-49.75%	60.27%	84.17%	-14.06%	13.95%	-23.61%
Free Cash Flow Firm Growth	-90.31%	4,073.24%	-342.34%	-9.42%	200.44%	35.67%	-68.77%	-116.31%	522.50%	-188.30%	438.89%
Invested Capital Growth	22.51%	-7.26%	107.82%	63.96%	-11.10%	-42.39%	-14.58%	30.99%	8.47%	34.69%	-9.65%
Revenue Q/Q Growth	0.49%	2.58%	3.91%	1.80%	1.64%	0.52%	3.63%	1.64%	2.56%	2.30%	1.47%
EBITDA Q/Q Growth	0.53%	1.60%	-1.32%	6.46%	8.03%	-16.84%	-8.97%	11.84%	3.74%	-2.86%	2.29%
EBIT Q/Q Growth	0.47%	0.54%	-2.98%	8.34%	9.86%	-49.98%	-16.46%	19.11%	5.18%	-3.40%	1.72%
NOPAT Q/Q Growth	7.16%	-1.70%	-26.76%	55.68%	10.12%	-134.41%	-44.93%	36.72%	-0.22%	2.37%	-5.25%
Net Income Q/Q Growth	3.54%	-2.72%	-24.70%	55.37%	15.56%	-110.05%	-51.08%	44.48%	0.61%	-7.32%	2.12%
EPS Q/Q Growth	3.39%	-2.42%	-24.80%	51.60%	17.07%	-110.71%	-99.19%	102.81%	2.04%	-6.52%	0.15%
Operating Cash Flow Q/Q Growth	-11.10%	94.76%	-33.69%	79.61%	-11.34%	-29.68%	20.41%	35.89%	-20.31%	-7.03%	21.12%
Free Cash Flow Firm Q/Q Growth	-84.09%	73.85%	-386.60%	-883.11%	164.70%	-14.84%	118.57%	-107.31%	-32.34%	-178.97%	441.88%
Invested Capital Q/Q Growth	7.35%	-7.29%	87.99%	172.81%	116.85%	0.00%	-36.97%	9.70%	16.57%	42.72%	6.80%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	24.33%	25.31%	25.99%	85.79%	85.65%	83.72%	83.81%	84.10%	83.65%	83.70%	83.20%
EBITDA Margin	13.88%	18.02%	17.53%	17.80%	21.70%	7.64%	10.99%	14.82%	15.66%	16.08%	15.37%
Operating Margin	11.56%	12.75%	11.81%	14.11%	17.28%	1.88%	6.14%	11.47%	11.73%	12.61%	12.48%
EBIT Margin	9.24%	13.25%	12.72%	13.06%	17.02%	1.76%	5.78%	10.66%	11.95%	12.67%	12.00%
Profit (Net Income) Margin	5.56%	8.89%	6.97%	9.15%	12.61%	-0.13%	2.35%	6.87%	7.58%	7.68%	7.37%
Tax Burden Percent	69.81%	74.75%	61.22%	78.71%	79.92%	-40.44%	51.99%	71.51%	69.81%	68.23%	69.83%
Interest Burden Percent	86.17%	89.74%	89.50%	89.02%	92.68%	18.68%	78.29%	90.09%	90.83%	88.79%	87.97%
Effective Tax Rate	30.19%	25.25%	38.78%	21.29%	20.08%	140.44%	48.01%	28.49%	30.19%	31.77%	30.17%
Return on Invested Capital (ROIC)	21.09%	25.95%	15.28%	14.83%	17.04%	-1.14%	8.54%	23.12%	21.42%	19.95%	19.68%
ROIC Less NNEP Spread (ROIC-NNEP)	65.05%	34.73%	-21.94%	7.57%	13.02%	9.91%	19.47%	101.03%	7.60%	12.26%	10.25%
Return on Net Nonoperating Assets (RNNOA)	-8.45%	-5.78%	-0.33%	4.26%	7.62%	0.92%	-3.32%	-4.66%	0.99%	4.77%	4.86%
Return on Equity (ROE)	12.64%	20.17%	14.95%	19.09%	24.66%	-0.22%	5.22%	18.46%	22.41%	24.71%	24.53%
Cash Return on Invested Capital (CROIC)	0.85%	33.48%	-54.78%	-33.63%	28.79%	52.65%	24.27%	-3.72%	13.29%	-9.61%	29.82%
Operating Return on Assets (OROA)	7.74%	10.58%	9.79%	10.25%	11.73%	0.91%	3.58%	7.06%	7.80%	8.62%	8.27%
Return on Assets (ROA)	4.66%	7.10%	5.36%	7.19%	8.69%	-0.07%	1.46%	4.55%	4.95%	5.22%	5.08%
Return on Common Equity (ROCE)	12.61%	20.14%	6.40%	9.67%	24.65%	-0.22%	5.22%	18.46%	22.42%	24.71%	24.38%
Return on Equity Simple (ROE_SIMPLE)	11.94%	19.35%	0.00%	18.83%	21.95%	-0.23%	5.62%	18.54%	22.36%	24.93%	0.00%
Net Operating Profit after Tax (NOPAT)	143	187	163	282	380	-19	96	276	302	343	370
NOPAT Margin	8.07%	9.53%	7.23%	11.11%	13.81%	-0.76%	3.19%	8.21%	8.19%	8.61%	8.72%
Net Nonoperating Expense Percent (NNEP)	-43.97%	-8.79%	37.22%	7.26%	4.02%	-11.05%	-10.93%	-77.91%	13.83%	7.69%	9.43%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	9.17%	9.26%	10.52%	10.57%
Cost of Revenue to Revenue	75.67%	74.69%	74.01%	14.21%	14.35%	16.28%	16.19%	15.90%	16.35%	16.30%	16.80%
SG&A Expenses to Revenue	8.82%	8.44%	8.45%	67.22%	64.30%	72.43%	71.85%	68.58%	68.32%	67.79%	67.45%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	12.78%	12.55%	14.18%	71.68%	68.37%	81.84%	77.67%	72.62%	71.92%	71.09%	70.72%
Earnings before Interest and Taxes (EBIT)	164	260	286	331	468	44	173	358	441	506	510
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	246	353	395	451	597	190	329	498	578	642	653
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	4.64	4.20	0.00	4.28	5.39	5.24	5.02	3.76	3.75	3.68	2.45
Price to Tangible Book Value (P/TBV)	0.00	84.96	0.00	12.75	12.27	11.52	12.21	20.53	19.94	25.02	800.01
Price to Revenue (P/Rev)	2.16	1.93	1.97	2.08	3.10	3.05	2.10	1.39	1.27	1.13	0.75
Price to Earnings (P/E)	38.71	21.68	28.30	22.67	24.55	0.00	89.09	20.26	16.74	14.76	10.34
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	2.58%	4.61%	3.53%	4.41%	4.07%	0.00%	1.12%	4.94%	5.98%	6.77%	9.67%
Enterprise Value to Invested Capital (EV/IC)	5.02	5.16	2.89	2.31	4.30	6.08	5.89	3.54	3.34	2.66	2.06
Enterprise Value to Revenue (EV/Rev)	2.11	1.82	1.85	2.15	3.28	2.96	2.03	1.43	1.33	1.32	0.87
Enterprise Value to EBITDA (EV/EBITDA)	15.24	10.13	10.53	12.06	15.13	38.72	18.46	9.62	8.48	8.21	5.64
Enterprise Value to EBIT (EV/EBIT)	22.89	13.77	14.52	16.44	19.29	167.93	35.08	13.37	11.11	10.41	7.22
Enterprise Value to NOPAT (EV/NOPAT)	26.21	19.14	25.54	19.33	23.78	0.00	63.51	17.37	16.22	15.33	9.94
Enterprise Value to Operating Cash Flow (EV/OCF)	17.43	9.13	14.53	13.71	17.90	28.97	14.95	6.40	7.62	7.18	6.57
Enterprise Value to Free Cash Flow (EV/FCFF)	649.10	14.84	0.00	0.00	14.08	8.44	22.34	0.00	26.14	0.00	6.56
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.51	0.67	0.00	0.51	0.85	1.10	1.26	1.42	1.61	1.66	1.65
Long-Term Debt to Equity	0.50	0.63	0.00	0.48	0.84	1.07	1.22	1.38	1.45	0.99	0.86
Financial Leverage	-0.13	-0.17	0.02	0.56	0.59	0.09	-0.17	-0.05	0.13	0.39	0.47
Leverage Ratio	2.71	2.84	2.79	2.66	2.84	3.17	3.58	4.06	4.53	4.73	4.83
Compound Leverage Factor	2.34	2.55	2.49	2.36	2.63	0.59	2.80	3.66	4.11	4.20	4.25
Debt to Total Capital	33.90%	40.15%	0.00%	33.74%	45.88%	52.49%	55.79%	58.61%	61.68%	62.34%	62.20%
Short-Term Debt to Total Capital	1.12%	2.36%	0.00%	2.04%	0.21%	1.75%	1.86%	1.67%	6.15%	24.90%	29.67%
Long-Term Debt to Total Capital	32.78%	37.79%	0.00%	31.70%	45.67%	50.74%	53.93%	56.94%	55.53%	37.44%	32.53%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.11%	0.07%	0.00%	0.01%	0.00%	0.01%	0.00%	-0.01%	-0.01%	0.02%	0.43%
Common Equity to Total Capital	65.99%	59.78%	0.00%	66.25%	54.12%	47.50%	44.21%	41.40%	38.32%	37.65%	37.37%
Debt to EBITDA	1.72	1.71	0.00	1.39	2.24	8.42	4.81	3.54	3.48	3.17	3.34
Net Debt to EBITDA	-0.32	-0.59	0.00	0.37	0.87	-1.25	-0.68	0.22	0.38	1.16	0.71
Long-Term Debt to EBITDA	1.67	1.61	0.00	1.31	2.23	8.14	4.65	3.44	3.14	1.90	1.74
Debt to NOPAT	2.96	3.24	0.00	2.23	3.53	-84.73	16.56	6.39	6.66	5.93	5.88
Net Debt to NOPAT	-0.55	-1.11	0.00	0.59	1.37	12.59	-2.33	0.39	0.72	2.17	1.25
Long-Term Debt to NOPAT	2.86	3.05	0.00	2.09	3.51	-81.91	16.01	6.21	6.00	3.56	3.08
Altman Z-Score	2.92	2.61	0.00	3.15	3.22	2.50	2.52	2.17	2.16	2.19	1.85
Noncontrolling Interest Sharing Ratio	0.22%	0.14%	57.17%	49.32%	0.01%	0.01%	0.01%	-0.01%	-0.02%	0.01%	0.61%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.25	1.34	0.00	1.51	1.79	1.81	1.79	1.58	1.54	1.25	1.11
Quick Ratio	0.97	1.05	0.00	0.43	0.60	1.05	1.08	0.81	0.80	0.48	0.53
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	5.77	241	-584	-639	642	871	272	-44	187	-165	561
Operating Cash Flow to CapEx	265.46%	418.36%	277.20%	328.26%	364.09%	240.52%	406.30%	668.13%	621.35%	555.99%	402.73%
Free Cash Flow to Firm to Interest Expense	0.23	8.50	-17.93	-17.00	17.71	23.78	7.10	-1.18	3.37	-2.06	6.64
Operating Cash Flow to Interest Expense	8.67	13.82	8.79	10.57	13.92	6.93	10.61	19.95	11.57	9.10	6.62
Operating Cash Flow Less CapEx to Interest Expense	5.40	10.52	5.62	7.35	10.10	4.05	8.00	16.97	9.71	7.47	4.98
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.84	0.80	0.77	0.79	0.69	0.52	0.62	0.66	0.65	0.68	0.69
Accounts Receivable Turnover	4.44	4.23	0.00	0.00	13.60	15.54	18.69	14.18	11.50	12.17	13.70
Inventory Turnover	17.00	19.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.54	10.90	9.58	9.06	8.44	6.72	8.28	9.85	11.03	12.06	12.04
Accounts Payable Turnover	2.97	3.21	0.00	0.00	5.11	3.52	2.84	2.57	2.60	2.80	2.90
Days Sales Outstanding (DSO)	82.27	86.31	0.00	0.00	26.84	23.48	19.53	25.74	31.74	29.98	26.63
Days Inventory Outstanding (DIO)	21.47	18.74	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	122.77	113.87	0.00	0.00	71.50	103.56	128.39	142.09	140.33	130.52	126.08
Cash Conversion Cycle (CCC)	-19.04	-8.82	0.00	0.00	-44.66	-80.08	-108.86	-116.35	-108.59	-100.53	-99.44
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	747	693	1,439	2,360	2,098	1,209	1,032	1,352	1,467	1,976	1,785
Invested Capital Turnover	2.61	2.72	2.11	1.34	1.23	1.50	2.67	2.82	2.62	2.32	2.26
Increase / (Decrease) in Invested Capital	137	-54	747	921	-262	-889	-176	320	115	509	-191
Enterprise Value (EV)	3,747	3,574	4,159	5,445	9,031	7,344	6,076	4,788	4,898	5,265	3,678
Market Capitalization	3,825	3,781	4,439	5,279	8,513	7,581	6,299	4,681	4,681	4,518	3,200
Book Value per Share	$15.61	$17.23	$0.00	$23.91	$29.23	$27.63	$23.75	$25.10	$27.10	$27.97	$31.10
Tangible Book Value per Share	($0.54)	$0.85	($16.48)	$8.03	$12.84	$12.58	$9.76	$4.60	$5.09	$4.11	$0.10
Total Capital	1,250	1,505	1,199	1,861	2,918	3,043	2,840	3,007	3,262	3,264	3,499
Total Debt	424	604	0.00	628	1,339	1,597	1,584	1,762	2,012	2,035	2,176
Total Long-Term Debt	410	569	0.00	590	1,333	1,544	1,531	1,712	1,811	1,222	1,138
Net Debt	-79	-208	-280	166	519	-237	-223	108	217	747	463
Capital Expenditures (CapEx)	81	94	103	121	139	105	100	112	104	132	139
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-262	-371	254	286	470	-271	-299	-231	-132	335	-260
Debt-free Net Working Capital (DFNWC)	241	441	534	747	1,291	1,564	1,509	1,423	1,663	1,623	1,454
Net Working Capital (NWC)	227	406	534	709	1,285	1,510	1,456	1,373	1,462	811	416
Net Nonoperating Expense (NNE)	44	13	5.92	50	33	-16	25	45	22	37	57
Net Nonoperating Obligations (NNO)	-79	-208	240	1,127	519	-237	-223	108	217	747	463
Total Depreciation and Amortization (D&A)	82	93	109	120	129	146	156	140	137	136	143
Debt-free, Cash-free Net Working Capital to Revenue	-14.77%	-18.93%	11.27%	11.26%	17.11%	-10.91%	-9.98%	-6.88%	-3.58%	8.40%	-6.13%
Debt-free Net Working Capital to Revenue	13.61%	22.53%	23.71%	29.46%	46.94%	62.98%	50.37%	42.37%	45.08%	40.68%	34.25%
Net Working Capital to Revenue	12.81%	20.72%	23.71%	27.96%	46.72%	60.84%	48.60%	40.87%	39.64%	20.31%	9.79%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.89	$3.34	$2.99	$4.52	$6.49	($0.06)	($1.34)	$4.60	$5.77	$6.82	$7.40
Adjusted Weighted Average Basic Shares Outstanding	52.27M	52.28M	52.52M	51.49M	53.45M	52.66M	52.59M	50.18M	48.48M	44.90M	41.81M
Adjusted Diluted Earnings per Share	$1.83	$3.23	$2.85	$4.26	$6.31	($0.06)	($1.32)	$4.41	$5.50	$6.45	$6.84
Adjusted Weighted Average Diluted Shares Outstanding	54.08M	54.00M	55.12M	54.63M	54.91M	52.66M	53.53M	53.46M	51.60M	48.08M	45.78M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	53.07M	52.36M	51.42M	51.87M	53.52M	52,752.85T	51.16M	49.83M	45.78M	43.74M	39.33M
Normalized Net Operating Profit after Tax (NOPAT)	143	187	184	287	380	107	96	276	302	343	370
Normalized NOPAT Margin	8.07%	9.53%	8.16%	11.32%	13.81%	4.32%	3.19%	8.21%	8.19%	8.61%	8.72%
Pre Tax Income Margin	7.96%	11.89%	11.38%	11.63%	15.77%	0.33%	4.53%	9.60%	10.86%	11.25%	10.56%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.60	9.16	8.79	8.82	12.92	1.19	4.52	9.55	7.93	6.28	6.03
NOPAT to Interest Expense	5.76	6.59	5.00	7.50	10.48	-0.52	2.50	7.35	5.43	4.27	4.38
EBIT Less CapEx to Interest Expense	3.33	5.86	5.62	5.60	9.09	-1.68	1.91	6.56	6.07	4.64	4.38
NOPAT Less CapEx to Interest Expense	2.50	3.29	1.83	4.28	6.66	-3.39	-0.11	4.36	3.57	2.63	2.73
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	6.17%	44.43%	1.95%	76.62%	21.48%	-7,309.87%	326.10%	76.29%	135.38%	87.69%	213.32%

This table displays calculated financial ratios and metrics derived from Euronet Worldwide's official financial filings.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	11.36%	7.81%	10.63%	8.87%	5.02%	9.49%	9.36%	6.83%	8.93%	4.22%	5.86%
EBITDA Growth	32.28%	3.50%	16.91%	8.55%	4.77%	35.52%	-13.14%	9.05%	9.57%	-10.65%	11.69%
EBIT Growth	49.07%	3.60%	24.77%	15.51%	6.06%	42.92%	-16.29%	15.95%	12.23%	-13.09%	9.40%
NOPAT Growth	20.11%	1.79%	0.31%	62.83%	2.43%	12.12%	5.91%	59.72%	29.28%	2.14%	-21.67%
Net Income Growth	50.61%	6.76%	2.51%	32.32%	-3.26%	45.49%	-34.82%	46.56%	17.43%	-17.48%	14.35%
EPS Growth	52.78%	9.63%	8.46%	41.03%	4.85%	56.59%	-31.91%	54.55%	31.21%	-14.33%	1.04%
Operating Cash Flow Growth	23.94%	7.16%	-54.71%	809.09%	-16.00%	53.31%	-40.83%	-94.33%	0.38%	-55.19%	121.54%
Free Cash Flow Firm Growth	138.96%	-82.25%	81.89%	375.37%	-154.06%	-92.82%	-858.24%	-101.43%	-24.81%	-2,383.21%	156.95%
Invested Capital Growth	-4.77%	2.08%	8.47%	-26.37%	9.40%	10.00%	34.69%	5.01%	10.90%	20.73%	-9.65%
Revenue Q/Q Growth	19.30%	6.91%	-4.61%	-10.51%	15.08%	11.47%	-4.73%	-12.58%	17.35%	6.65%	-3.23%
EBITDA Q/Q Growth	108.55%	17.43%	-25.10%	-40.82%	101.29%	51.90%	-52.00%	-25.70%	102.26%	23.87%	-40.00%
EBIT Q/Q Growth	189.44%	22.83%	-30.91%	-52.97%	165.76%	65.52%	-59.53%	-34.86%	157.21%	28.18%	-49.06%
NOPAT Q/Q Growth	265.24%	32.64%	-41.51%	-42.53%	129.75%	45.19%	-44.75%	-13.34%	85.95%	14.71%	-57.62%
Net Income Q/Q Growth	334.34%	21.16%	-33.30%	-62.30%	217.56%	82.21%	-70.12%	-15.23%	154.43%	28.05%	-58.59%
EPS Q/Q Growth	323.08%	24.24%	-31.22%	-60.99%	214.55%	85.55%	-70.09%	-11.46%	167.06%	21.15%	-64.73%
Operating Cash Flow Q/Q Growth	6,472.73%	32.41%	-52.75%	-77.89%	507.33%	141.66%	-81.76%	-97.88%	10,658.82%	7.87%	-9.83%
Free Cash Flow Firm Q/Q Growth	67.56%	-52.24%	-149.13%	205.61%	-119.05%	106.34%	-6,658.89%	98.20%	-1,568.08%	-16.02%	263.60%
Invested Capital Q/Q Growth	7.88%	-39.67%	16.57%	-26.69%	60.28%	-39.33%	42.72%	-24.34%	69.27%	-33.95%	6.80%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	84.09%	84.70%	83.50%	81.95%	83.98%	84.57%	83.97%	82.08%	83.85%	83.64%	83.05%
EBITDA Margin	17.41%	19.12%	15.02%	9.93%	17.37%	23.67%	11.93%	10.14%	17.47%	20.29%	12.58%
Operating Margin	13.06%	16.63%	10.17%	7.47%	13.62%	16.57%	11.72%	8.21%	14.76%	17.02%	9.11%
EBIT Margin	13.72%	15.76%	11.41%	6.00%	13.85%	20.57%	8.74%	6.51%	14.27%	17.15%	9.03%
Profit (Net Income) Margin	9.16%	10.38%	7.26%	3.06%	8.44%	13.79%	4.33%	4.19%	9.09%	10.92%	4.67%
Tax Burden Percent	72.70%	70.79%	70.99%	62.09%	67.97%	72.74%	59.68%	84.40%	74.41%	69.42%	56.80%
Interest Burden Percent	91.85%	93.05%	89.57%	82.10%	89.60%	92.17%	82.95%	76.34%	85.65%	91.70%	91.11%
Effective Tax Rate	27.30%	29.21%	29.01%	37.91%	32.03%	27.26%	40.32%	15.60%	25.59%	30.58%	43.20%
Return on Invested Capital (ROIC)	15.64%	33.99%	18.89%	10.38%	16.13%	35.59%	16.21%	19.23%	18.89%	32.35%	11.68%
ROIC Less NNEP Spread (ROIC-NNEP)	15.31%	25.28%	19.11%	7.16%	15.22%	63.11%	10.41%	5.80%	17.07%	27.40%	10.76%
Return on Net Nonoperating Assets (RNNOA)	11.95%	3.75%	2.49%	2.40%	10.39%	3.49%	4.05%	0.85%	14.80%	4.31%	5.10%
Return on Equity (ROE)	27.59%	37.74%	21.38%	12.78%	26.52%	39.08%	20.26%	20.08%	33.69%	36.66%	16.78%
Cash Return on Invested Capital (CROIC)	18.97%	22.23%	13.29%	49.31%	5.67%	15.86%	-9.61%	19.94%	5.83%	6.77%	29.82%
Operating Return on Assets (OROA)	9.28%	11.34%	7.45%	4.21%	9.34%	14.01%	5.94%	4.49%	9.36%	11.42%	6.22%
Return on Assets (ROA)	6.20%	7.47%	4.74%	2.15%	5.69%	9.39%	2.94%	2.89%	5.96%	7.27%	3.22%
Return on Common Equity (ROCE)	27.60%	37.76%	21.38%	12.78%	26.52%	39.08%	20.25%	20.09%	33.54%	36.44%	16.67%
Return on Equity Simple (ROE_SIMPLE)	19.62%	24.31%	0.00%	22.99%	23.33%	24.27%	0.00%	24.46%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	89	118	69	40	91	133	73	63	118	135	57
NOPAT Margin	9.49%	11.77%	7.22%	4.64%	9.26%	12.06%	6.99%	6.93%	10.99%	11.82%	5.17%
Net Nonoperating Expense Percent (NNEP)	0.33%	8.71%	-0.22%	3.22%	0.91%	-27.52%	5.80%	13.43%	1.82%	4.95%	0.92%
Return On Investment Capital (ROIC_SIMPLE)	-	-	2.12%	-	-	-	2.24%	1.76%	3.03%	3.62%	1.64%
Cost of Revenue to Revenue	15.91%	15.30%	16.50%	18.05%	16.02%	15.43%	16.03%	17.92%	16.15%	16.36%	16.95%
SG&A Expenses to Revenue	67.45%	64.80%	69.83%	70.67%	66.94%	65.01%	69.15%	70.34%	65.94%	63.59%	70.52%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	71.04%	68.07%	73.33%	74.48%	70.36%	68.00%	72.25%	73.86%	69.09%	66.62%	73.94%
Earnings before Interest and Taxes (EBIT)	129	158	109	51	137	226	92	60	153	197	100
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	164	192	144	85	171	260	125	93	188	233	140
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	4.21	3.45	3.75	4.08	3.91	3.27	3.68	3.59	3.24	2.85	2.45
Price to Tangible Book Value (P/TBV)	15.87	25.01	19.94	27.24	35.04	18.36	25.02	20.21	22.92	31.50	800.01
Price to Revenue (P/Rev)	1.65	1.10	1.27	1.35	1.25	1.14	1.13	1.15	1.06	0.86	0.75
Price to Earnings (P/E)	21.44	14.17	16.74	17.74	16.79	13.50	14.76	14.69	13.18	11.87	10.34
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	4.66%	7.05%	5.98%	5.64%	5.96%	7.41%	6.77%	6.81%	7.59%	8.42%	9.67%
Enterprise Value to Invested Capital (EV/IC)	3.13	3.22	3.34	3.69	2.55	3.24	2.66	3.26	2.20	2.40	2.06
Enterprise Value to Revenue (EV/Rev)	1.85	1.13	1.33	1.40	1.53	1.15	1.32	1.20	1.34	0.96	0.87
Enterprise Value to EBITDA (EV/EBITDA)	11.86	7.29	8.48	8.98	9.82	6.78	8.21	7.50	8.36	6.28	5.64
Enterprise Value to EBIT (EV/EBIT)	15.78	9.68	11.11	11.73	12.77	8.56	10.41	9.47	10.49	8.00	7.22
Enterprise Value to NOPAT (EV/NOPAT)	21.69	13.41	16.22	16.51	18.19	13.36	15.33	13.43	14.30	10.26	9.94
Enterprise Value to Operating Cash Flow (EV/OCF)	8.29	5.03	7.62	7.84	9.16	5.68	7.18	6.91	7.89	8.67	6.57
Enterprise Value to Free Cash Flow (EV/FCFF)	16.10	14.65	26.14	6.34	47.01	21.38	0.00	16.72	39.64	38.73	6.56
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.34	1.58	1.61	1.63	1.95	1.74	1.66	1.77	1.86	1.92	1.65
Long-Term Debt to Equity	1.02	1.19	1.45	1.09	0.93	0.95	0.99	1.54	0.81	0.92	0.86
Financial Leverage	0.78	0.15	0.13	0.33	0.68	0.06	0.39	0.15	0.87	0.16	0.47
Leverage Ratio	4.34	4.61	4.53	4.26	4.35	4.57	4.73	4.62	4.90	4.76	4.83
Compound Leverage Factor	3.99	4.29	4.06	3.49	3.90	4.22	3.92	3.52	4.19	4.36	4.40
Debt to Total Capital	57.32%	61.29%	61.68%	62.03%	66.08%	63.51%	62.34%	63.84%	65.04%	65.78%	62.20%
Short-Term Debt to Total Capital	13.90%	15.26%	6.15%	20.61%	34.49%	28.93%	24.90%	8.17%	36.76%	34.42%	29.67%
Long-Term Debt to Total Capital	43.42%	46.03%	55.53%	41.42%	31.59%	34.58%	37.44%	55.67%	28.28%	31.36%	32.53%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	-0.02%	-0.02%	-0.01%	-0.01%	0.00%	0.01%	0.02%	-0.01%	0.30%	0.41%	0.43%
Common Equity to Total Capital	42.69%	38.73%	38.32%	37.98%	33.93%	36.48%	37.65%	36.18%	34.66%	33.81%	37.37%
Debt to EBITDA	3.37	3.25	3.48	3.48	3.99	3.59	3.17	3.54	3.81	3.85	3.34
Net Debt to EBITDA	1.28	0.21	0.38	0.31	1.80	0.03	1.16	0.30	1.75	0.62	0.71
Long-Term Debt to EBITDA	2.55	2.44	3.14	2.32	1.91	1.95	1.90	3.09	1.66	1.84	1.74
Debt to NOPAT	6.17	5.97	6.66	6.39	7.39	7.07	5.93	6.34	6.52	6.29	5.88
Net Debt to NOPAT	2.34	0.38	0.72	0.57	3.34	0.07	2.17	0.53	3.00	1.01	1.25
Long-Term Debt to NOPAT	4.67	4.49	6.00	4.27	3.53	3.85	3.56	5.53	2.84	3.00	3.08
Altman Z-Score	2.33	2.03	1.98	1.98	1.83	1.88	1.96	2.06	1.77	1.80	1.64
Noncontrolling Interest Sharing Ratio	-0.03%	-0.05%	-0.02%	-0.02%	-0.02%	-0.01%	0.01%	-0.03%	0.45%	0.59%	0.61%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.52	1.38	1.54	1.33	1.19	1.26	1.25	1.60	1.15	1.15	1.11
Quick Ratio	0.59	0.77	0.80	0.76	0.48	0.75	0.48	0.93	0.42	0.63	0.53
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	194	93	-45	550	-105	6.64	-436	-7.83	-131	-152	248
Operating Cash Flow to CapEx	850.59%	970.27%	482.92%	110.70%	496.46%	1,487.50%	209.11%	6.27%	483.86%	505.90%	506.84%
Free Cash Flow to Firm to Interest Expense	13.84	6.17	-2.75	36.88	-5.21	0.27	-20.45	-0.40	-4.63	-6.74	17.23
Operating Cash Flow to Interest Expense	15.49	19.15	8.22	2.01	9.06	18.19	3.77	0.09	6.49	8.77	12.35
Operating Cash Flow Less CapEx to Interest Expense	13.67	17.17	6.52	0.19	7.24	16.97	1.97	-1.31	5.15	7.04	9.92
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.68	0.72	0.65	0.70	0.67	0.68	0.68	0.69	0.66	0.67	0.69
Accounts Receivable Turnover	16.09	13.68	11.50	12.28	11.35	13.59	12.17	10.97	10.94	14.67	13.70
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	10.53	11.14	11.03	11.44	11.40	11.67	12.06	12.23	11.88	11.83	12.04
Accounts Payable Turnover	3.03	3.11	2.60	2.70	2.72	2.71	2.80	2.49	2.59	2.92	2.90
Days Sales Outstanding (DSO)	22.69	26.68	31.74	29.73	32.17	26.85	29.98	33.27	33.38	24.89	26.63
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	120.47	117.24	140.33	135.16	134.12	134.76	130.52	146.39	141.17	125.19	126.08
Cash Conversion Cycle (CCC)	-97.79	-90.56	-108.59	-105.43	-101.95	-107.91	-100.53	-113.12	-107.79	-100.30	-99.44
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,086	1,258	1,467	1,424	2,282	1,384	1,976	1,495	2,530	1,671	1,785
Invested Capital Turnover	1.65	2.89	2.62	2.24	1.74	2.95	2.32	2.77	1.72	2.74	2.26
Increase / (Decrease) in Invested Capital	-105	26	115	-510	196	126	509	71	249	287	-191
Enterprise Value (EV)	6,528	4,058	4,898	5,250	5,816	4,479	5,265	4,867	5,563	4,008	3,678
Market Capitalization	5,825	3,942	4,681	5,070	4,748	4,457	4,518	4,674	4,384	3,600	3,200
Book Value per Share	$27.85	$23.01	$27.10	$27.15	$26.46	$30.32	$27.97	$29.77	$31.26	$30.82	$31.10
Tangible Book Value per Share	$7.40	$3.17	$5.09	$4.06	$2.95	$5.41	$4.11	$5.29	$4.42	$2.79	$0.10
Total Capital	3,238	2,950	3,262	3,275	3,577	3,733	3,264	3,600	3,900	3,736	3,499
Total Debt	1,856	1,808	2,012	2,032	2,364	2,371	2,035	2,298	2,537	2,458	2,176
Total Long-Term Debt	1,406	1,358	1,811	1,357	1,130	1,291	1,222	2,004	1,103	1,172	1,138
Net Debt	704	116	217	180	1,068	22	747	193	1,167	393	463
Capital Expenditures (CapEx)	26	30	28	27	37	30	38	27	38	39	35
Debt-free, Cash-free Net Working Capital (DFCFNWC)	506	-274	-132	-206	633	-354	335	-245	665	-211	-260
Debt-free Net Working Capital (DFNWC)	1,658	1,418	1,663	1,646	1,929	1,994	1,623	1,859	2,035	1,854	1,454
Net Working Capital (NWC)	1,207	968	1,462	971	695	915	811	1,565	601	568	416
Net Nonoperating Expense (NNE)	3.13	14	-0.35	14	8.09	-19	28	25	20	10	5.57
Net Nonoperating Obligations (NNO)	704	116	217	180	1,068	22	747	193	1,167	393	463
Total Depreciation and Amortization (D&A)	35	34	35	34	35	34	33	33	34	36	39
Debt-free, Cash-free Net Working Capital to Revenue	14.35%	-7.63%	-3.58%	-5.48%	16.64%	-9.08%	8.40%	-6.06%	16.08%	-5.04%	-6.13%
Debt-free Net Working Capital to Revenue	47.04%	39.42%	45.08%	43.80%	50.69%	51.14%	40.68%	45.93%	49.19%	44.33%	34.25%
Net Working Capital to Revenue	34.27%	26.91%	39.64%	25.83%	18.26%	23.45%	20.31%	38.67%	14.53%	13.58%	9.79%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.73	$2.15	$1.49	$0.57	$1.83	$3.41	$1.01	$0.88	$2.31	$3.02	$1.19
Adjusted Weighted Average Basic Shares Outstanding	49.64M	48.41M	48.48M	45.82M	45.43M	44.42M	44.90M	43.68M	42.32M	40.33M	41.81M
Adjusted Diluted Earnings per Share	$1.65	$2.05	$1.41	$0.55	$1.73	$3.21	$0.96	$0.85	$2.27	$2.75	$0.97
Adjusted Weighted Average Diluted Shares Outstanding	52.87M	51.47M	51.60M	48.96M	48.70M	47.55M	48.08M	46.24M	42.95M	44.81M	45.78M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	49.66M	46.12M	45.78M	45.87M	44.91M	43.93M	43.74M	43.24M	41.00M	42.04M	39.33M
Normalized Net Operating Profit after Tax (NOPAT)	89	118	69	40	91	133	73	63	118	135	57
Normalized NOPAT Margin	9.49%	11.77%	7.22%	4.64%	9.26%	12.06%	6.99%	6.93%	10.99%	11.82%	5.17%
Pre Tax Income Margin	12.60%	14.66%	10.22%	4.92%	12.41%	18.96%	7.25%	4.97%	12.22%	15.73%	8.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	9.20	10.55	6.62	3.45	6.80	9.34	4.30	3.07	5.44	8.73	6.95
NOPAT to Interest Expense	6.37	7.88	4.19	2.67	4.54	5.48	3.44	3.27	4.18	6.02	3.98
EBIT Less CapEx to Interest Expense	7.38	8.57	4.92	1.63	4.97	8.12	2.49	1.68	4.10	7.00	4.51
NOPAT Less CapEx to Interest Expense	4.54	5.91	2.49	0.85	2.72	4.25	1.64	1.87	2.84	4.28	1.55
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	11.06%	117.39%	135.38%	122.88%	164.39%	81.88%	87.69%	103.52%	139.01%	160.82%	213.32%

Financials Breakdown Chart

Key Financial Trends

Below is a concise, data-driven snapshot of Euronet Worldwide (EEFT) using the last four years of quarterly statements provided. The focus is on trends that retail investors may find relevant for assessing performance, profitability, and liquidity.

Revenue trend: Operating revenue has grown year over year across the period, rising from about $0.87B in 2022 to roughly $1.11B in 2025 (as seen in Q4 data), indicating sustained top-line expansion.
Gross margin stability: Total gross profit remains a large share of revenue, with gross margins typically in the mid-80% range (roughly 83–84% in the latest four quarters), suggesting stable profitability from core activities.
Strong operating cash flow: Net cash from continuing operating activities remained robust across 2025, with Q4 2025 reporting about $178M and Q3 2025 around $197M, indicating healthy cash generation from operations.
Positive free cash flow in latest period: In Q4 2025, estimated free cash flow (operating cash flow minus capex) was approximately $140M+, a meaningful improvement versus prior year periods when free cash flow was lower.
Liquidity position: Cash and cash equivalents were around $2.02B in late 2025 (Q3–Q4), supporting liquidity for near-term obligations and potential growth initiatives.
Earnings per share and per-share metrics show some volatility, but overall earnings signals remain positive in several periods (e.g., diluted EPS trending around the $0.97–$2.75 range in various quarters, with increases tied to profitability and share count changes).
Debt and leverage posture: Short-term debt has been elevated (around $1.3B in 2025) and long-term debt also sizable (roughly $1.0B–$1.1B in recent periods), contributing to a sizable liability base but consistent with a capital structure that supports ongoing operations and financing activity.
Financing activity activity: In 2025, EEFT engaged in notable debt issuance (about $1.95B) and large debt repayments (about $2.24B) in the same quarter, indicating active refinancing and capital allocation decisions rather than static leverage.
Net cash from financing activities: For the full year 2025, net cash from financing activities was negative (approximately -$510M), and quarterly results in Q3/Q4 2025 show substantial negative cash flow from financing, which can pressure liquidity if not offset by operating cash.
Cash flow and debt burden: The combination of high debt service, sizable debt repayments, and repeated large financing outflows (while cash balances remain strong) points to ongoing leverage activity. This may affect near-term cash flow headroom and influence capital-allocation decisions, including share repurchases and dividends.

05/05/26 09:33 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Euronet Worldwide's Financials

When does Euronet Worldwide's financial year end?

According to the most recent income statement we have on file, Euronet Worldwide's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Euronet Worldwide's net income changed over the last 10 years?

Euronet Worldwide's net income appears to be on an upward trend, with a most recent value of $313 million in 2025, rising from $98.49 million in 2015. The previous period was $306.30 million in 2024. Check out Euronet Worldwide's forecast to explore projected trends and price targets.

What is Euronet Worldwide's operating income?

Euronet Worldwide's total operating income in 2025 was $529.80 million, based on the following breakdown:

Total Gross Profit: $3.53 billion
Total Operating Expenses: $3.00 billion

How has Euronet Worldwide's revenue changed over the last 10 years?

Over the last 10 years, Euronet Worldwide's total revenue changed from $1.77 billion in 2015 to $4.24 billion in 2025, a change of 139.5%.

How much debt does Euronet Worldwide have?

Euronet Worldwide's total liabilities were at $5.17 billion at the end of 2025, a 12.2% increase from 2024, and a 278.0% increase since 2015.

How much cash does Euronet Worldwide have?

In the past 10 years, Euronet Worldwide's cash and equivalents has ranged from $280.13 million in 2017 to $1.83 billion in 2020, and is currently $1.69 billion as of their latest financial filing in 2025.

How has Euronet Worldwide's book value per share changed over the last 10 years?

Over the last 10 years, Euronet Worldwide's book value per share changed from 15.61 in 2015 to 31.10 in 2025, a change of 99.2%.

Related Companies

Financial statements for NASDAQ:EEFT last updated on 2/27/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Euronet Worldwide (EEFT) Financials

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