Euronet Worldwide (STU:EEF) Debt-to-EBITDA : (As of Jun. 2026)

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STU:EEF Euronet Worldwide Inc STU:EEF
81 GF Score
Price €57.26
GF Value €100.01
! 3 Warning Signs
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What is Euronet Worldwide Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Euronet Worldwide's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €772 Mil. Euronet Worldwide's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,683 Mil. Euronet Worldwide's annualized EBITDA for the quarter that ended in Jun. 2026 was €636 Mil. Euronet Worldwide's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 3.86.

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:

STU:EEF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.2   Med: 3.2   Max: 9.34
Current: 4.09

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.

STU:EEF's Debt-to-EBITDA is ranked worse than
82.74% of 1727 companies
in the Software industry
Industry Median: 0.99 vs STU:EEF: 4.09

Euronet Worldwide  (STU:EEF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Euronet Worldwide Debt-to-EBITDA Chart

Euronet Worldwide Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Euronet Worldwide Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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STU:EEF vs NN, TDC, FIVN: 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.


STU:EEF
81GF Score
Euronet Worldwide Inc STU:EEF
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Euronet Worldwide Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Euronet Worldwide's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(884.75456596705 + 969.13448848397) / 594.7307402635
=3.12

Euronet Worldwide's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(772.23825767515 + 1682.7604303333) / 636.10032456536
=3.86

* 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 (Jun. 2026) EBITDA data.

Is Euronet Worldwide (STU:EEF) Overvalued in 2026?

Based on GuruFocus' analysis, Euronet Worldwide stock appears to be undervalued. The current stock price of €57.26 is trading 42.7% below its estimated GF Value™ of €100.01.

Key valuation signals for STU:EEF:

  • Debt-to-EBITDA:
  • GF Value™: €100.01 vs. price of €57.26 (42.7% below fair value)
  • GF Score™: 81/100 with 3 warning signs

No single metric tells the full story. See the STU:EEF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Euronet Worldwide Business Description

Address 11400 Tomahawk Creek Parkway, Suite 300, Leawood, KS, USA, 66211
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.
81GF Score

Get the complete analysis for STU:EEF

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€57.26
Price
€100.01
GF Value