Euronet Worldwide (EEFT) is back in focus after a tough year marked by a 3Q25 earnings miss and short seller pressure, as digital money transfer transactions rose 32% year over year and margins expanded.

The recent 4.4% 1 day share price return and 3.5% 7 day share price return to around $75.02 contrast with a 1 year total shareholder return decline of 22.6%. Short term momentum is improving while longer term holders remain under pressure as the market reassesses growth prospects and risk around its payment and money transfer model.

If this kind of fintech reset has your attention, it could be a good moment to widen your watchlist with our screener of 22 top founder-led companies and see how other businesses are shaping their own stories.

With Euronet shares around $75, a 22.6% 1 year total return decline and an indicated discount to some intrinsic and analyst estimates, investors may ask whether there is underappreciated value here or whether the market is already pricing in future growth.

Most Popular Narrative: 23.4% Undervalued

With Euronet Worldwide last closing at $75.02 and the most followed narrative pointing to fair value around $98, the current gap comes down to how you see its earnings power and cash generation evolving over time.

The rapid shift from cash to digital and electronic payments worldwide, including the transformation of epay to a primarily digital transaction business (now 70% fully digital), as well as the increasing share of digital and real-time transactions in Money Transfer (digital transactions now comprise 55% of volume in that segment), provides recurring growth opportunities and incremental net margin enhancement as digital products scale and overtake legacy cash-based revenues.

Curious what has to happen for that fair value to make sense? The narrative leans on steadier top line progress, firmer margins and a future earnings multiple that does not stretch industry norms. The tension sits in how quickly cash based revenues give way to higher margin digital flows and how much credit investors give to that transition.

Result: Fair Value of $98 (UNDERVALUED)

However, there are clear pressure points, including regulatory changes hitting money transfers and intense competition from big tech platforms that could challenge the earnings and P/E assumptions.

Build Your Own Euronet Worldwide Narrative

If you look at the numbers and come to a different conclusion, or simply want to test your own assumptions, you can build a custom narrative in just a few minutes and see how it stacks up against others: Do it your way.

A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Euronet Worldwide.

Looking for more investment ideas?

If you have dug into Euronet and still have cash to put to work, do not stop here. Broaden your radar with ideas across sectors and styles.

• Target potential mispricing by scanning 52 high quality undervalued stocks that combine quality fundamentals with prices that may not fully reflect their underlying business strength.
• Prioritize resilience first and check out 82 resilient stocks with low risk scores that score well on our risk framework for balance sheets and earnings stability.
• Hunt for fresh stories early by reviewing our screener containing 24 high quality undiscovered gems that have solid fundamentals but limited market attention so far.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.