Analyzing Euronet Worldwide (NASDAQ:EEFT) & Fold (NASDAQ:FLD)

Euronet Worldwide (NASDAQ:EEFT) and Fold (NASDAQ:FLD) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, risk and valuation.

Volatility & Risk

Euronet Worldwide has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500. Comparatively, Fold has a beta of 0.19, suggesting that its stock price is 81% less volatile than the S&P 500.

Profitability

This table compares Euronet Worldwide and Fold’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Euronet Worldwide	7.27%	27.63%	5.78%
Fold	N/A	60.59%	26.06%

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Euronet Worldwide and Fold, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Euronet Worldwide	1	3	5	0	2.44
Fold	1	0	3	1	2.80

Euronet Worldwide presently has a consensus target price of $111.33, indicating a potential upside of 49.06%. Fold has a consensus target price of $7.83, indicating a potential upside of 243.57%. Given Fold’s stronger consensus rating and higher possible upside, analysts plainly believe Fold is more favorable than Euronet Worldwide.

Insider & Institutional Ownership

91.6% of Euronet Worldwide shares are held by institutional investors. Comparatively, 56.9% of Fold shares are held by institutional investors. 11.2% of Euronet Worldwide shares are held by insiders. Comparatively, 66.8% of Fold shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Euronet Worldwide and Fold”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Euronet Worldwide	$3.99 billion	0.79	$306.00 million	$6.83	10.94
Fold	N/A	N/A	-$1.87 million	($0.75)	-3.04

Euronet Worldwide has higher revenue and earnings than Fold. Fold is trading at a lower price-to-earnings ratio than Euronet Worldwide, indicating that it is currently the more affordable of the two stocks.

Summary

Euronet Worldwide beats Fold on 8 of the 14 factors compared between the two stocks.

About Euronet Worldwide

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers worldwide. It operates through three segments: Electronic Fund Transfer Processing, epay, and Money Transfer. The Electronic Fund Transfer Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 821,000 POS terminals. The Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.

About Fold

FTAC Emerald Acquisition Corp. does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, and similar business combination with one or more businesses or assets operating in the clean/renewable energy, water sustainability, agricultural technology, shared economy software, and mobility sectors. The company was formerly known as Emerald ESG Acquisition Corp. FTAC Emerald Acquisition Corp. was incorporated in 2021 and is based in Philadelphia, Pennsylvania.