Euronet WorldwideHAM:EEF +6.65%52 PB Ratio is 2.05 as of Jun. 25, 2026, which is 52% below its 10-year median of 4.28. GuruFocus rates HAM:EEF with a GF Score™ of 52/100 and a GF Value™ of €105.46 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 2,625 Software companies, Euronet Worldwide ranks better than 56% on this metric.
Euronet Worldwide Inc stock PB Ratio (=2.09) is close to 10-year low of 1.96.
The historical rank and industry rank for Euronet Worldwide's PB Ratio or its related term are showing as below:
HAM:EEF'
s PB Ratio Range Over the Past 10 Years
Min: 1.96 Med: 4.28 Max: 6.79
Current: 2.09
During the past 13 years, Euronet Worldwide's highest PB Ratio was 6.79. The lowest was 1.96. And the median was 4.28.
HAM:EEF's PB Ratio is ranked better than 56% of 2625
companies
in the Software industry
Industry Median: 2.36
vs HAM:EEF: 2.09
During the past 12 months, Euronet Worldwide's average Book Value Per Share Growth Rate was 7.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Euronet Worldwide was 181.70% per year. The lowest was -12.10% per year. And the median was 10.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Euronet Worldwide PB Ratio Related Terms
Euronet Worldwide PB Ratio Historical Data
* Premium members only.
The historical data trend for Euronet Worldwide's PB Ratio 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.
For the Software - Infrastructure subindustry, Euronet Worldwide's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Euronet Worldwide's PB Ratio distribution charts can be found below:
* The bar in red indicates where Euronet Worldwide's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Euronet Worldwide (HAM:EEF) has a PB Ratio of 2.05 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Euronet Worldwide and its competitors. This is 52% below median its historical median of 4.28. Over the past decade, Euronet Worldwide's PB Ratio has ranged from 1.96 to 6.79. According to the industry distribution chart, Euronet Worldwide ranks #1155 out of 2625 companies in the Software industry, placing it in the top 44%.
Is Euronet Worldwide's PB Ratio too high?
Euronet Worldwide's current PB Ratio of 2.05 is 52% below median its 10-year median of 4.28. Over the past 10 years, this metric has ranged from a low of 1.96 to a high of 6.79. The Software industry median PB Ratio is 2.36. Euronet Worldwide's value of 2.05 is 13.1% below this industry median. Based on the distribution chart, Euronet Worldwide ranks #1155 out of 2625 companies in the Software industry, which is above the industry midpoint. 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 PB Ratio compare to STNE and NN?
According to the Software industry distribution chart, Euronet Worldwide ranks #1155 out of 2625 companies for PB Ratio. This puts Euronet Worldwide in the upper half of its industry. The industry median PB Ratio is 2.36. Euronet Worldwide's value of 2.05 is 13.1% below this benchmark. Historically, Euronet Worldwide's own PB Ratio has ranged from 1.96 to 6.79 over the past decade. While the company's 10-year median is 4.28 vs. the industry median of 2.36, Euronet Worldwide has consistently been below 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.36, based on 2,625 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Euronet Worldwide's current PB Ratio of 2.05 is 13.1% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Euronet Worldwide and its competitors. For the Software industry, the median PB Ratio is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Euronet Worldwide's current PB Ratio is 2.05, which is 52% below median its own 10-year median of 4.28. 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 €105.46, compared to a current price of €57.08 — trading 45.9% below its estimated fair value. The current PB Ratio is 2.05, which is 52% below median its 10-year median of 4.28 and 13.1% below the Software industry median of 2.36. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Euronet Worldwide (HAM:EEF), the current PB Ratio is 2.05 as of Jun. 25, 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 €105.46.
GuruFocus considers Euronet Worldwide to be Significantly Undervalued.
Key valuation signals for HAM:EEF:
PB Ratio: 2.05 (52% below median its 10-year median of 4.28)
GF Value™: €105.46 vs. price of €57.08 (45.9% below fair value)
Industry Position: 13.1% below the Software median (#1155 of 2625)
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 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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