3 Big Reasons to Love Euronet Worldwide (EEFT)

Check out the companies making headlines yesterday:

Under Armour : Athletic apparel company Under Armour rose by 2.3% on Wednesday after investment firm Guggenheim initiated coverage on the sports apparel company with a 'Buy' rating and a $6 price target. See our full article here.

Is now the time to buy Under Armour? Access our full analysis report here.

Western Alliance Bancorporation : Regional banking company Western Alliance Bancorporation rose by 4.2% on Wednesday after the Federal Reserve delivered its third and final interest rate cut of the year, lowering the federal funds rate by 25 basis points (0.25%) to a 3.50%-3.75% range. See our full article here.

Is now the time to buy Western Alliance Bancorporation? Access our full analysis report here.

Euronet Worldwide : Financial technology provider Euronet Worldwide rose by 2.6% on Wednesday after the company made a push into credit card issuing and flexible payment products with its acquisition of CoreCard. See our full article here.

Is now the time to buy Euronet Worldwide? Access our full analysis report here.

Tapestry : Luxury fashion conglomerate Tapestry fell by 1.9% on Wednesday after Guggenheim initiated coverage on the company with a "Neutral" rating. See our full article here.

Is now the time to buy Tapestry? Access our full analysis report here.

YETI : Outdoor lifestyle products brand rose by 3% on Wednesday after a key retail partner, Academy Sports and Outdoors, reported strong third-quarter earnings, signaling healthy consumer demand in the outdoor and sporting goods sector. See our full article here.

Is now the time to buy YETI? Access our full analysis report here.

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how diversified financial services stocks fared in Q3, starting with NCR Atleos .

Diversified financial services encompass specialized offerings outside traditional categories. These firms benefit from identifying niche market opportunities, developing tailored financial products, and often facing less direct competition. Challenges include scale limitations, regulatory classification uncertainties, and the need to continuously innovate to maintain market differentiation against larger competitors expanding their offerings.

The 10 diversified financial services stocks we track reported a strong Q3. As a group, revenues beat analysts’ consensus estimates by 3% while next quarter’s revenue guidance was in line.

In light of this news, share prices of the companies have held steady as they are up 1.7% on average since the latest earnings results.

Weakest Q3: NCR Atleos

Spun off from NCR Voyix in 2023 to focus exclusively on self-service banking technology, NCR Atleos provides self-directed banking solutions including ATM and interactive teller machine technology, software, services, and a surcharge-free ATM network for financial institutions and retailers.

NCR Atleos reported revenues of $1.12 billion, up 4.5% year on year. This print exceeded analysts’ expectations by 0.6%. Despite the top-line beat, it was still a softer quarter for the company with a significant miss of analysts’ EPS estimates.

Unsurprisingly, the stock is down 2.5% since reporting and currently trades at $36.89.

Is now the time to buy NCR Atleos? Access our full analysis of the earnings results here, it’s free for active Edge members.

Best Q3: Paymentus

Founded in 2004 to simplify the complex world of bill payments, Paymentus provides a cloud-based platform that helps utilities, municipalities, and service providers automate billing and payment processes.

Paymentus reported revenues of $310.7 million, up 34.2% year on year, outperforming analysts’ expectations by 10.7%. The business had a stunning quarter with an impressive beat of analysts’ revenue estimates and a solid beat of analysts’ EBITDA estimates.

Paymentus achieved the fastest revenue growth among its peers. The market seems happy with the results as the stock is up 19.8% since reporting. It currently trades at $34.27.

Is now the time to buy Paymentus? Access our full analysis of the earnings results here, it’s free for active Edge members.

Euronet Worldwide

Operating a global network of over 47,000 ATMs and 821,000 point-of-sale terminals across more than 60 countries, Euronet Worldwide provides electronic payment solutions including ATM services, prepaid product processing, and international money transfer services.

Euronet Worldwide reported revenues of $1.15 billion, up 4.2% year on year, falling short of analysts’ expectations by 4.5%. It was a softer quarter as it posted a significant miss of analysts’ EFT Processing segment estimates and a significant miss of analysts’ Money Transfer segment estimates.

Euronet Worldwide delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 17.8% since the results and currently trades at $72.84.

Read our full analysis of Euronet Worldwide’s results here.

Payoneer

Founded during the early days of global e-commerce in 2005 to solve international payment challenges, Payoneer provides financial technology services that enable small and medium-sized businesses to send and receive payments globally across borders.

Payoneer reported revenues of $270.9 million, up 9.1% year on year. This number beat analysts’ expectations by 2.9%. Taking a step back, it was a mixed quarter as it also recorded a solid beat of analysts’ yield estimates but EPS in line with analysts’ estimates.

The stock is down 2% since reporting and currently trades at $5.68.

Read our full, actionable report on Payoneer here, it’s free for active Edge members.

NerdWallet

Born from founder Tim Chen's frustration with the lack of transparent credit card information when helping his sister in 2009, NerdWallet is a digital platform that provides financial guidance to help consumers and small businesses make smarter decisions about credit cards, loans, insurance, and other financial products.

NerdWallet reported revenues of $215.1 million, up 12.4% year on year. This print surpassed analysts’ expectations by 11.3%. It was an exceptional quarter as it also put up an impressive beat of analysts’ revenue estimates and a solid beat of analysts’ EBITDA estimates.

NerdWallet achieved the biggest analyst estimates beat among its peers. The stock is up 23% since reporting and currently trades at $14.74.

Read our full, actionable report on NerdWallet here, it’s free for active Edge members.

What Happened?

A number of stocks jumped in the afternoon session after investors grew more optimistic about a potential Federal Reserve interest rate cut in December. 

The positive sentiment was fueled by comments from New York Fed President John Williams, a voting member of the rate-setting Federal Open Market Committee, who stated the central bank could cut rates "in the near term" without jeopardizing its inflation targets. Following his remarks, market expectations for a rate cut in December shifted significantly. According to the CME FedWatch Tool, the probability of a December rate reduction surged from a 37% chance earlier in the day to 70%. While lower rates can compress bank profit margins, investors often view them as a catalyst for broader economic activity, potentially boosting loan demand and reducing the risk of defaults.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Personal Loan company Affirm jumped 3.7%. Is now the time to buy Affirm? Access our full analysis report here, it’s free for active Edge members.
• Personal Loan company Sezzle jumped 3.7%. Is now the time to buy Sezzle? Access our full analysis report here, it’s free for active Edge members.
• Diversified Financial Services company Euronet Worldwide jumped 3.8%. Is now the time to buy Euronet Worldwide? Access our full analysis report here, it’s free for active Edge members.
• Personal Loan company OneMain jumped 3.8%. Is now the time to buy OneMain? Access our full analysis report here, it’s free for active Edge members.

Zooming In On OneMain (OMF)

OneMain’s shares are not very volatile and have only had 8 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The previous big move we wrote about was 21 days ago when the stock gained 5.3% on the news that the company reported favorable third-quarter 2025 results, highlighted by a significant earnings beat and solid revenue growth. The company posted an adjusted profit of $1.90 per share, which was 18.5% above Wall Street's consensus estimates. This strong bottom-line performance was supported by revenue that grew 7.1% year-over-year to $1.24 billion, meeting expectations. Additionally, OneMain's net interest income, a key performance metric for lenders, outperformed forecasts, coming in at $1.07 billion. The results were seen as a solid quarter with key areas of upside, signaling healthy business fundamentals and boosting investor confidence.

OneMain is up 15.9% since the beginning of the year, and at $60.10 per share, it is trading close to its 52-week high of $62.61 from September 2025. Investors who bought $1,000 worth of OneMain’s shares 5 years ago would now be looking at an investment worth $1,552.

As the Q3 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the diversified financial services industry, including Euronet Worldwide and its peers.

Diversified financial services encompass specialized offerings outside traditional categories. These firms benefit from identifying niche market opportunities, developing tailored financial products, and often facing less direct competition. Challenges include scale limitations, regulatory classification uncertainties, and the need to continuously innovate to maintain market differentiation against larger competitors expanding their offerings.

The 10 diversified financial services stocks we track reported a strong Q3. As a group, revenues beat analysts’ consensus estimates by 3% while next quarter’s revenue guidance was in line.

While some diversified financial services stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 1.4% since the latest earnings results.

Euronet Worldwide

Operating a global network of over 47,000 ATMs and 821,000 point-of-sale terminals across more than 60 countries, Euronet Worldwide provides electronic payment solutions including ATM services, prepaid product processing, and international money transfer services.

Euronet Worldwide reported revenues of $1.15 billion, up 4.2% year on year. This print fell short of analysts’ expectations by 4.5%. Overall, it was a softer quarter for the company with a significant miss of analysts’ sales estimates.

“Euronet’s commitment to innovation and global expansion continues to drive our success with recent Ren deployments, Dandelion sales momentum and the pending acquisition of CoreCard – all accelerating our digital transformation. Through Dandelion, we’re enhancing Euronet’s global money network with stablecoin innovation — which will enable businesses and consumers to move value seamlessly between digital assets and local fiat currencies. Our on- and off-ramp capabilities will make stablecoins practical, connecting blockchain digital assets to real-world payments liquidity in over 200 countries.” said Michael J. Brown Euronet’s Chairman and Chief Executive Officer.

Euronet Worldwide delivered the weakest performance against analyst estimates of the whole group. Unsurprisingly, the stock is down 20.3% since reporting and currently trades at $70.69.

Is now the time to buy Euronet Worldwide? Access our full analysis of the earnings results here, it’s free for active Edge members.

Best Q3: Paymentus

Founded in 2004 to simplify the complex world of bill payments, Paymentus provides a cloud-based platform that helps utilities, municipalities, and service providers automate billing and payment processes.

Paymentus reported revenues of $310.7 million, up 34.2% year on year, outperforming analysts’ expectations by 10.7%. The business had a stunning quarter with an impressive beat of analysts’ revenue estimates and a solid beat of analysts’ EBITDA estimates.

Paymentus achieved the fastest revenue growth among its peers. The market seems happy with the results as the stock is up 29.9% since reporting. It currently trades at $37.16.

Is now the time to buy Paymentus? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: NCR Atleos

Spun off from NCR Voyix in 2023 to focus exclusively on self-service banking technology, NCR Atleos provides self-directed banking solutions including ATM and interactive teller machine technology, software, services, and a surcharge-free ATM network for financial institutions and retailers.

NCR Atleos reported revenues of $1.12 billion, up 4.5% year on year, exceeding analysts’ expectations by 0.6%. Still, it was a softer quarter as it posted a significant miss of analysts’ EPS estimates.

As expected, the stock is down 9.1% since the results and currently trades at $34.40.

Read our full analysis of NCR Atleos’s results here.

Western Union

With a history dating back to 1851 when it began as a telegraph company, Western Union is a global money transfer service that enables consumers and businesses to send funds across borders and currencies, typically within minutes.

Western Union reported revenues of $1.03 billion, flat year on year. This print topped analysts’ expectations by 1%. It was a strong quarter as it also produced a beat of analysts’ EPS estimates and full-year revenue guidance slightly topping analysts’ expectations.

Western Union scored the highest full-year guidance raise among its peers. The stock is up 9.5% since reporting and currently trades at $8.92.

Read our full, actionable report on Western Union here, it’s free for active Edge members.

Corpay

Formerly known as FLEETCOR until its 2024 rebrand, Corpay provides specialized payment solutions for businesses to manage vehicle expenses, corporate payments, and lodging costs with enhanced control and reporting capabilities.

Corpay reported revenues of $1.17 billion, up 13.9% year on year. This result surpassed analysts’ expectations by 0.6%. Zooming out, it was a satisfactory quarter as it also produced full-year revenue guidance slightly topping analysts’ expectations but a miss of analysts’ EBITDA estimates.

The stock is up 4.8% since reporting and currently trades at $274.18.

Read our full, actionable report on Corpay here, it’s free for active Edge members.

Euronet Worldwide’s third quarter saw modest revenue growth, falling short of Wall Street’s expectations and prompting a negative market reaction. Management attributed the revenue softness to broad macroeconomic pressures and recent changes in immigration policy, particularly affecting the Money Transfer segment. CEO Michael Brown pointed out, “We felt that uncertainty across most of our business from travel and consumer spending to cross-border remittances and payment processing.” Additionally, certain business areas, such as the EFT segment, experienced cautious consumer spending, while epay faced headwinds from the discontinuation of a low-margin product.

Is now the time to buy EEFT? Find out in our full research report (it’s free for active Edge members).

Euronet Worldwide (EEFT) Q3 CY2025 Highlights:

• Revenue: $1.15 billion vs analyst estimates of $1.2 billion (4.2% year-on-year growth, 4.5% miss)
• Adjusted EPS: $3.62 vs analyst estimates of $3.61 (in line)
• Adjusted EBITDA: $244.6 million vs analyst estimates of $254.4 million (21.3% margin, 3.9% miss)
• Operating Margin: 17%, in line with the same quarter last year
• Market Capitalization: $3.08 billion

While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Euronet Worldwide’s Q3 Earnings Call

• Vasundhara Govil (KBW) asked about the softness in the EFT segment, especially whether the weakness was concentrated in ATM or merchant acquiring. CEO Michael Brown explained that ATM services were more affected due to consumer caution, while merchant acquiring continued to grow.
• Vasundhara Govil (KBW) inquired about volatility in Money Transfer trends, particularly in the U.S.-Mexico corridor. Brown acknowledged choppy trends, with stronger October results, but maintained a cautious outlook due to ongoing volatility.
• Gustavo Gala (Monness, Crespi, Hardt) questioned pricing dynamics in Money Transfer corridors. CFO Rick Weller stated that pricing remained consistent overall, with slight competitive pressure in some Middle Eastern corridors but no significant impact on third-quarter results.
• Charles Nabhan (Stephens) asked whether the mid-single-digit growth in epay’s core business represented a new trend. Weller attributed slower growth to economic pressure on discretionary spending and emphasized ongoing digital and gaming partnership expansions.
• Anthony Cyganovich (Oppenheimer) followed up on how persistent macro and policy challenges might affect long-term earnings growth. Brown and Weller affirmed confidence in sustaining double-digit EPS growth, citing digital initiatives and the upcoming CoreCard integration.

Catalysts in Upcoming Quarters

In upcoming quarters, our team will be looking for (1) signs of recovery in remittance and travel transaction volumes as macro and immigration headwinds evolve, (2) successful integration and initial contributions from the CoreCard acquisition, and (3) measurable progress with stablecoin pilots and new digital payment partnerships. Execution on these fronts will be critical indicators of Euronet’s ability to deliver on its growth ambitions.

Euronet Worldwide currently trades at $79.23, down from $88.71 just before the earnings. In the wake of this quarter, is it a buy or sell? See for yourself in our full research report (it’s free for active Edge members).

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