Euronet Worldwide (HAM:EEF) Scaled Net Operating Assets: 0.29 (As of Mar. 2026)


HAM:EEF Euronet Worldwide Inc HAM:EEF
52 GF Score
Price €57.08
GF Value €105.46
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Euronet Worldwide Scaled Net Operating Assets?

Euronet Worldwide HAM:EEF +6.65% 52 Scaled Net Operating Assets is 0.29 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Euronet Worldwide's operating assets for the quarter that ended in Mar. 2026 was €3,660 Mil. Euronet Worldwide's operating liabilities for the quarter that ended in Mar. 2026 was €2,076 Mil. Euronet Worldwide's Total Assets for the quarter that ended in Dec. 2025 was €5,541 Mil. Therefore, Euronet Worldwide's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.29.


Euronet Worldwide Scaled Net Operating Assets Historical Data

* Premium members only.

The historical data trend for Euronet Worldwide's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart

Euronet Worldwide Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.31 0.27 0.25 0.28

Euronet Worldwide Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.26 0.26 0.26 0.29 0.29

HAM:EEF vs STNE, NN, PAGS: Scaled Net Operating Assets Comparison

For the Software - Infrastructure subindustry, Euronet Worldwide's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Software Industry

For the Software industry and Technology sector, Euronet Worldwide's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Euronet Worldwide's Scaled Net Operating Assets falls into.


HAM:EEF
52GF Score
Euronet Worldwide Inc HAM:EEF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Euronet Worldwide Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Euronet Worldwide's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4097.578-2552.521)/5571.948
=0.28

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=5541.35 - 1443.772
=4097.578

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4411.935 - 972.023 - 887.391
=2552.521

Euronet Worldwide's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3660.075-2076)/5541.35
=0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=5477.18 - 1817.105
=3660.075

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4415.911 - 1452.075 - 887.836
=2076

* 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.

What does a Scaled Net Operating Assets of 0.29 mean?
Euronet Worldwide (HAM:EEF) has a Scaled Net Operating Assets of 0.29 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Euronet Worldwide and its competitors.
Is Euronet Worldwide's Scaled Net Operating Assets too high?
Euronet Worldwide's current Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets compare to STNE and NN?
Euronet Worldwide's Scaled Net Operating Assets of 0.29 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Software company?
A good Scaled Net Operating Assets depends on the Software industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Euronet Worldwide and its competitors. Euronet Worldwide's current Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Euronet Worldwide (HAM:EEF), the current Scaled Net Operating Assets is 0.29 as of Mar. 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:

  • Scaled Net Operating Assets: 0.29
  • GF Value™: €105.46 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

Get the complete analysis for HAM:EEF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€57.08
Price
€105.46
GF Value