Key Takeaways:
- Global Footprint: Euronet Worldwide operates more than 50,000 ATMs and handles billions in cross-border payments every year.
- Price Target: Current trends suggest EEFT stock could hit $98.62 by late 2027.
- Total Return: This target represents a 26% total gain from the current price of $78.36.
- Annual Growth: Investors could see roughly 12% annual returns over the next two years.
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Euronet Worldwide (EEFT) is a quiet giant in the world of global payments. From ATM networks to digital money transfers, the company is a backbone for how money moves across borders.
In the third quarter of 2025, Euronet reported a 19% jump in adjusted earnings per share. This is impressive because the global economy has been volatile lately.
Despite this growth, the stock is still trading 54% below its all-time higs highs, with a market cap of $3.3 billion. We took a look at the data to see if the stock is poised for a comeback.
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What the Model Says for Euronet Stock
We analyzed Euronet’s potential by looking at its transition toward digital payments and its expanding “real-time” payment network. Our valuation model suggests a climb from $78 to $99 over the next 24 months.
This projection is based on a steady revenue growth rate of 6.4% and operating margins of 13.6%. Crucially, our model uses a price-to-Earnings (P/E) multiple of just 7x.
To put that in perspective, Euronet has historically traded at an average of 14.7x over the last five years. By using such a low number, we are building in a significant “margin of safety.”
Our Valuation Assumptions
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Our Valuation Assumptions
TIKR’s Valuation Model lets you plug in your own assumptions for a company’s revenue growth, operating margins, and P/E multiple, and calculates the stock’s expected returns.
Here’s what we used for EEFT stock:
1. Revenue Growth: 6.4%
Euronet isn’t a one-trick pony. It relies on three different business segments that tend to balance each other out:
- The ATM Network (EFT): This is the core business. Even though European travelers spent a bit less on dining and leisure recently, the volume of people traveling remained high. Euronet is now moving into “under-banked” markets like Morocco, Egypt, and the Philippines. These are places where cash is still king, but digital banking is starting to take root.
- Money Transfers: This segment faced some hurdles due to changing immigration policies, particularly in the Mexico-U.S. corridor. However, Euronet still gained market share. Its digital-only transfers grew by a massive 32%, proving that the company is successfully moving away from physical storefronts to mobile apps.
- New Acquisitions: The upcoming purchase of CoreCard is a big deal. It allows Euronet to process credit card transactions. This opens up massive opportunities in international markets where credit card use is just beginning to explode.
2. Operating margins: 13.6%
Operating margin” is just a fancy way of saying how much profit a company keeps after paying its bills and Euronet is getting more efficient.
In the “epay” segment, revenue dropped slightly in Q3 because the company stopped selling low-profit products. However, its profit actually rose. Why? Because they shifted from selling simple mobile phone top-ups to high-margin digital content and gaming codes.
Euronet is also leaning into artificial intelligence. In Q3, they launched three AI tools designed to help with staffing and delivery optimization.
Additionally, their Dandelion platform—a network for instant global payments—recently signed deals with major banks like Citigroup. These partnerships prove that Euronet’s tech is highly valued by the world’s biggest financial players.
3. Exit P/E Multiple: 7x
The P/E multiple tells you how much investors are willing to pay for every dollar of profit. Currently, the market is pricing Euronet at a 7.2x multiple.
Even if the market stays pessimistic and keeps the multiple at 7x, the stock still goes up because the company’s earnings are growing.
If the market realizes that Euronet has delivered double-digit earnings growth in 29 of the last 30 years, that multiple could easily double, sending the stock price even higher.
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What Happens If Things Go Better or Worse?
Different scenarios for Euronet stock through 2030 show varied outcomes based on immigration policy normalization and digital payment adoption (these are estimates, not guaranteed returns):
- Low Case: If revenue growth slows to 5.7% and margins stay flat at 10.3%, the stock would likely provide a 5% annual return. You aren’t losing money, but you aren’t beating the market either.
- Mid Case: With 6.4% growth and 13.6% margins, we expect a 11% annual return. This is our most likely scenario.
- High Case: If immigration trends normalize and digital payments take off faster than expected, returns could reach 17% annually.
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Euronet owns a global “highway” for money that is incredibly hard for competitors to replicate.
Between the CoreCard acquisition and new stablecoin payment initiatives launching in early 2026, the company is well-positioned for the future of finance.
How Much Upside Does Euronet Stock Have From Here?
With TIKR’s new Valuation Model tool, you can estimate a stock’s potential share price in under a minute.
All it takes is three simple inputs:
- Revenue Growth
- Operating Margins
- Exit P/E Multiple
If you’re not sure what to enter, TIKR automatically fills in each input using analysts’ consensus estimates, giving you a quick, reliable starting point.
From there, TIKR calculates the potential share price and total returns under Bull, Base, and Bear scenarios so you can quickly see whether a stock looks undervalued or overvalued.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
