Euronet WorldwideEEFT -2.83%77 3-Year ROIIC % is 4.79 as of Dec. 2025, which is 60% below its 10-year median of 11.88. GuruFocus rates EEFT with a GF Score™ of 77/100 and a GF Value™ of $120.98 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 2,621 Software companies, Euronet Worldwide ranks worse than 50.93% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Euronet Worldwide's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 4.79%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Euronet Worldwide's 3-Year ROIIC % or its related term are showing as below:
EEFT's 3-Year ROIIC % is ranked worse than 50.93% of 2621
companies
in the Software industry
Industry Median: 5.24
vs EEFT: 4.79
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Euronet Worldwide 3-Year ROIIC % Related Terms
Euronet Worldwide 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Euronet Worldwide's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Software - Infrastructure subindustry, Euronet Worldwide's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Euronet Worldwide's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Euronet Worldwide's 3-Year ROIIC % falls into.
Euronet Worldwide's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 370.099 (Dec. 2025) - 275.59954 (Dec. 2022) )
/
( 5251.5 (Dec. 2025) - 3280.6 (Dec. 2022) )
=
94.49946
/
1970.9
=
4.79%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Euronet Worldwide (EEFT) has a 3-Year ROIIC % of 4.79 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Euronet Worldwide and its competitors. This is 60% below median its historical median of 11.88. According to the industry distribution chart, Euronet Worldwide ranks #1335 out of 2621 companies in the Software industry, placing it in the top 50.9%.
Is Euronet Worldwide's 3-Year ROIIC % too high?
Euronet Worldwide's current 3-Year ROIIC % of 4.79 is 60% below median its 10-year median of 11.88. The Software industry median 3-Year ROIIC % is 5.24. Euronet Worldwide's value of 4.79 is 8.6% below this industry median. Based on the distribution chart, Euronet Worldwide ranks #1335 out of 2621 companies in the Software industry, which is below the industry midpoint. 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 3-Year ROIIC % compare to STNE and PAGS?
According to the Software industry distribution chart, Euronet Worldwide ranks #1335 out of 2621 companies for 3-Year ROIIC %. This places Euronet Worldwide in the lower half of its industry. The industry median 3-Year ROIIC % is 5.24. Euronet Worldwide's value of 4.79 is 8.6% below this benchmark. While the company's 10-year median is 11.88 vs. the industry median of 5.24, 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 3-Year ROIIC % for a Software company?
The median 3-Year ROIIC % among Software companies is 5.24, based on 2,621 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Euronet Worldwide's current 3-Year ROIIC % of 4.79 is 8.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Euronet Worldwide and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Euronet Worldwide's current 3-Year ROIIC % is 4.79, which is 60% below median its own 10-year median of 11.88. 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 $120.98, compared to a current price of $75.96 — trading 37.2% below its estimated fair value. The current 3-Year ROIIC % is 4.79, which is 60% below median its 10-year median of 11.88 and 8.6% below the Software industry median of 5.24. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Euronet Worldwide (EEFT), the current 3-Year ROIIC % is 4.79 as of Dec. 2025. 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 $75.96 is trading 37.2% below its estimated GF Value™ of $120.98.
GuruFocus considers Euronet Worldwide to be Significantly Undervalued.
Key valuation signals for EEFT:
3-Year ROIIC %: 4.79 (60% below median its 10-year median of 11.88)
GF Value™: $120.98 vs. price of $75.96 (37.2% below fair value)
Industry Position: 8.6% below the Software median (#1335 of 2621)
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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