$Euronet Worldwide (EEFT.US)$It was rated one star in the 20...

Launched in 1997, it mainly deals in retail finance, including services such as ATMs, transfers, and remittance. It is a global market, and the current price is 101.45.

In the past 5 years, with the exception of 2020, revenue grew at an average rate of 7.8%, and operating profit shrank sharply by 68% in 2020. The subsequent 3 consecutive years of growth did not reach the high level in 2019, with an average growth rate of 3.4%, of which 2023 was 12.3%. Interest expenses account for 9.3% of operating profit in 2023, and the interest burden is normal. The gross margin fell from 43.4% to 39.7% in the past 5 years, and the return on net assets reached 22.4% in 2023.

The balance ratio has increased from 66.1% to 78.8% over the past 5 years. The ratio and growth rate of accounts receivable are normal. Goodwill and other intangible assets are at $1,015 million, accounting for 81.2% of the net assets of $1.25 billion, and long-term loans of $1,715 billion, which is 1.37 times the net assets. The leverage ratio is very high, but the interest burden is not heavy; it should be a characteristic of the payment business.

Over the past five years, net operating cash flow has been much higher than net investment, generating many shareholders' surpluses.

Currently, the price-earnings ratio is 18.4. Although it is not attractive compared to the long-term growth rate, there is a big discount compared to the recent growth rate, so you can still choose carefully (⭐️)