Euronet Worldwide (HAM:EEF) Moat Score: 6/10 (As of Jun. 24, 2026)


HAM:EEF Euronet Worldwide Inc HAM:EEF
52 GF Score
Price €57.08
GF Value €105.45
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Euronet Worldwide Moat Score?

Euronet Worldwide HAM:EEF +6.65% 52 Moat Score is 6 as of Jun. 24, 2026. GuruFocus rates HAM:EEF with a GF Score™ of 52/100 and a GF Value™ of €105.45 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 2,847 Software companies, Euronet Worldwide ranks better than 97.89% on this metric.

Euronet Worldwide has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Euronet Worldwide has Narrow Moat: Euronet Worldwide Inc benefits from a strong network effect in electronic payments and a solid distribution network. It has moderate brand strength and customer loyalty, with some pricing power. However, the competitive landscape and regulatory challenges prevent it from achieving a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Euronet Worldwide might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Euronet Worldwide  (HAM:EEF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Euronet Worldwide Moat Score Related Terms

HAM:EEF vs STNE, NN, PAGS: Moat Score Comparison

For the Software - Infrastructure subindustry, Euronet Worldwide's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Euronet Worldwide's Moat Score distribution charts can be found below:

* The bar in red indicates where Euronet Worldwide's Moat Score falls into.


HAM:EEF
52GF Score
Euronet Worldwide Inc HAM:EEF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Euronet Worldwide (HAM:EEF) has a Moat Score of 6 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Euronet Worldwide ranks #60 out of 2847 companies in the Software industry, placing it in the top 2.1%.
Is Euronet Worldwide's Moat Score too high?
Euronet Worldwide's current Moat Score is 6. Based on the distribution chart, Euronet Worldwide ranks #60 out of 2847 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Euronet Worldwide has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Euronet Worldwide's Moat Score compare to STNE and NN?
According to the Software industry distribution chart, Euronet Worldwide ranks #60 out of 2847 companies for Moat Score. This places Euronet Worldwide in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Euronet Worldwide's current Moat Score is 6. 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 (HAM:EEF) is currently considered Significantly Undervalued. The stock's GF Value™ is €105.45, compared to a current price of €57.08 — trading 45.9% below its estimated fair value. The current Moat Score is 6. Euronet Worldwide's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Euronet Worldwide (HAM:EEF), the current Moat Score is 6 as of Jun. 24, 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 (HAM:EEF) Overvalued in 2026?

Based on GuruFocus' analysis, Euronet Worldwide stock appears to be undervalued. The current stock price of €57.08 is trading 45.9% below its estimated GF Value™ of €105.45. GuruFocus considers Euronet Worldwide to be Significantly Undervalued.

Key valuation signals for HAM:EEF:

  • Moat Score: 6
  • GF Value™: €105.45 vs. price of €57.08 (45.9% below fair value)
  • GF Score™: 52/100 with 2 warning signs

No single metric tells the full story. See the HAM: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.
52GF Score

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

€57.08
Price
€105.45
GF Value