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Euronet WorldwideEEFT +2.56%77 Debt-to-EBITDA is 5.62 as of Mar. 2026, which is 76% above its 10-year median of 3.20. GuruFocus rates EEFT with a GF Score™ of 77/100 and a GF Value™ of $121.13 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,719 Software companies, Euronet Worldwide ranks worse than 81.27% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Euronet Worldwide's Debt-to-EBITDA or its related term are showing as below:
EEFT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.2 Med: 3.2 Max: 9.34
Current: 3.9
During the past 13 years, the highest Debt-to-EBITDA Ratio of Euronet Worldwide was 9.34. The lowest was 1.20. And the median was 3.20.
EEFT's Debt-to-EBITDA is ranked worse than 81.27% of 1719
companies
in the Software industry
Industry Median: 1.08
vs EEFT: 3.90
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Euronet Worldwide Debt-to-EBITDA Related Terms
Euronet Worldwide Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Euronet Worldwide's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
EEFT vs STNE, PAGS, ATEN: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Euronet Worldwide's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Euronet Worldwide Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Euronet Worldwide's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Euronet Worldwide's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Euronet Worldwide (EEFT) has a Debt-to-EBITDA of 5.62 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Euronet Worldwide. This is 76% above median its historical median of 3.20. Over the past decade, Euronet Worldwide's Debt-to-EBITDA has ranged from 1.20 to 9.34. According to the industry distribution chart, Euronet Worldwide ranks #1397 out of 1719 companies in the Software industry, placing it in the top 81.3%.
Is Euronet Worldwide's Debt-to-EBITDA too high?
Euronet Worldwide's current Debt-to-EBITDA of 5.62 is 76% above median its 10-year median of 3.20. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 9.34. The Software industry median Debt-to-EBITDA is 1.08. Euronet Worldwide's value of 5.62 is 420.4% above this industry median. Based on the distribution chart, Euronet Worldwide ranks #1397 out of 1719 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Euronet Worldwide has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Euronet Worldwide's Debt-to-EBITDA compare to STNE and PAGS?
According to the Software industry distribution chart, Euronet Worldwide ranks #1397 out of 1719 companies for Debt-to-EBITDA. This places Euronet Worldwide in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Euronet Worldwide's value of 5.62 is 420.4% above this benchmark. Historically, Euronet Worldwide's own Debt-to-EBITDA has ranged from 1.20 to 9.34 over the past decade. While the company's 10-year median is 3.20 vs. the industry median of 1.08, Euronet Worldwide has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,719 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Euronet Worldwide's current Debt-to-EBITDA of 5.62 is 420.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Euronet Worldwide. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Euronet Worldwide's current Debt-to-EBITDA is 5.62, which is 76% above median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Euronet Worldwide stock overvalued right now?
Based on GuruFocus' analysis, Euronet Worldwide (EEFT) is currently considered Significantly Undervalued. The stock's GF Value™ is $121.13, compared to a current price of $79.31 — trading 34.5% below its estimated fair value. The current Debt-to-EBITDA is 5.62, which is 76% above median its 10-year median of 3.20 and 420.4% above the Software industry median of 1.08. Euronet Worldwide's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Euronet Worldwide (EEFT), the current Debt-to-EBITDA is 5.62 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Euronet Worldwide (EEFT) Overvalued in 2026?
Based on GuruFocus' analysis, Euronet Worldwide stock appears to be undervalued.
The current stock price of $79.31 is trading 34.5% below its estimated GF Value™ of $121.13.
GuruFocus considers Euronet Worldwide to be Significantly Undervalued.
Key valuation signals for EEFT:
Debt-to-EBITDA: 5.62 (76% above median its 10-year median of 3.20)
GF Value™: $121.13 vs. price of $79.31 (34.5% below fair value)
Industry Position: 420.4% above the Software median (#1397 of 1719)
No single metric tells the full story. See the EEFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Euronet Worldwide Inc is a provider of electronic financial transaction solutions. It offers payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers. The company's product offerings include comprehensive ATM, POS, card outsourcing, card issuing, and merchant acquiring services, software solutions, money transfer services, etc. Its reportable operating segments are EFT Processing, epay, and Money Transfer. Maximum revenue is derived from its Money Transfer segment, which provides money transfer services across the world under the brand names Ria, AFEX, IME, and xe. Geographically, the company generates maximum revenue from the United States, followed by Germany, India, France, Greece, and other regions.
77GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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