Euronet Worldwide (FRA:EEF) Financial Strength: 5 (As of Jun. 2026) — 17% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:EEF Euronet Worldwide Inc FRA:EEF
82 GF Score
Price €59.56
GF Value €100.99
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Euronet Worldwide Financial Strength?

Euronet Worldwide FRA:EEF -0.70% 82 Financial Strength is 5 as of Jun. 2026, which is 17% below its 10-year median of 6.00. GuruFocus rates FRA:EEF with a GF Score™ of 82/100 and a GF Value™ of €100.99 (Significantly Undervalued). The stock has 3 warning signs investors should review.

Euronet Worldwide has the Financial Strength Rank of 5.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Euronet Worldwide's Interest Coverage for the quarter that ended in Jun. 2026 was 6.66. Euronet Worldwide's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.63. As of today, Euronet Worldwide's Altman Z-Score is 1.96.


Euronet Worldwide  (FRA:EEF) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Euronet Worldwide has the Financial Strength Rank of 5.


Euronet Worldwide Financial Strength Related Terms


FRA:EEF vs NN, TDC, FIVN: Financial Strength Comparison

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

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

* The bar in red indicates where Euronet Worldwide's Financial Strength falls into.


FRA:EEF
82GF Score
Euronet Worldwide Inc FRA:EEF
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Euronet Worldwide Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Euronet Worldwide's Interest Expense for the months ended in Jun. 2026 was €-18 Mil. Its Operating Income for the months ended in Jun. 2026 was €119 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,670 Mil.

Euronet Worldwide's Interest Coverage for the quarter that ended in Jun. 2026 is

Interest Coverage=-1*Operating Income (Q: Jun. 2026 )/Interest Expense (Q: Jun. 2026 )
=-1*119.003/-17.881
=6.66

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Euronet Worldwide's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(766.357 + 1669.945) / 3848.364
=0.63

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Euronet Worldwide has a Z-score of 1.96, indicating it is in Grey Zones. This implies that Euronet Worldwide is in some kind of financial stress. If it is below 1.81, the company may faces bankrupcy risk.

Warning Sign:

Altman Z-score of 1.96 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.

* 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.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 5 mean?
Euronet Worldwide (FRA:EEF) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Euronet Worldwide and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, Euronet Worldwide's Financial Strength has ranged from 5.00 to 8.00.
Is Euronet Worldwide's Financial Strength too high?
Euronet Worldwide's current Financial Strength of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 8.00. Overall, Euronet Worldwide has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Euronet Worldwide's Financial Strength compare to NN and TDC?
Euronet Worldwide's Financial Strength of 5 can be compared against companies in the Software industry. Historically, Euronet Worldwide's own Financial Strength has ranged from 5.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Software company?
A good Financial Strength depends on the Software industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Euronet Worldwide and its competitors. Euronet Worldwide's current Financial Strength is 5, which is 17% below median its own 10-year median of 6.00. 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 (FRA:EEF) is currently considered Significantly Undervalued. The stock's GF Value™ is €100.99, compared to a current price of €59.56 — trading 41% below its estimated fair value. The current Financial Strength is 5, which is 17% below median its 10-year median of 6.00. Euronet Worldwide's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Euronet Worldwide (FRA:EEF), the current Financial Strength is 5 as of Jun. 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 (FRA:EEF) Overvalued in 2026?

Based on GuruFocus' analysis, Euronet Worldwide stock appears to be undervalued. The current stock price of €59.56 is trading 41% below its estimated GF Value™ of €100.99. GuruFocus considers Euronet Worldwide to be Significantly Undervalued.

Key valuation signals for FRA:EEF:

  • Financial Strength: 5 (17% below median its 10-year median of 6.00)
  • GF Value™: €100.99 vs. price of €59.56 (41% below fair value)
  • GF Score™: 82/100 with 3 warning signs

No single metric tells the full story. See the FRA: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.
82GF Score

Get the complete analysis for FRA:EEF

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

€59.56
Price
€100.99
GF Value