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Held by 356 of 6,047 reporting institutions (95th percentile) — extremely crowded.
Data as of Q2 2026
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What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $434.3M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 9%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $1.25B covers all $1.19B of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2023-12-31 (10-K).
Interest is easily covered by operating profit. Effective rate ~4.2% on $2.02B of debt.
Cash of $1.04B fully covers short-term debt of $983.2M.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-10-14
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.24B 100.0% | $3.99B 100.0% | $3.69B 100.0% | $3.36B 100.0% | $3.00B 100.0% | $2.48B 100.0% | $2.75B 100.0% | $2.54B 100.0% | $2.25B 100.0% | $1.96B 100.0% |
| Cost of Revenue | — | — | — | — | — | $1.58B 63.5% | $1.56B 56.6% | $1.49B 58.7% | $1.36B 60.2% | $1.17B 60.0% |
| Selling, General & Admin | $372.2M 8.8% | $315.3M 7.9% | $296.8M 8.0% | $285.1M 8.5% | $252.0M 8.4% | $221.6M 8.9% | $211.9M 7.7% | $216.8M 8.5% | $190.3M 8.4% | $165.3M 8.4% |
| Total Operating Expenses | $3.71B 87.5% | $3.49B 87.4% | $3.26B 88.3% | $2.97B 88.5% | $2.81B 93.9% | $2.44B 98.1% | $2.27B 82.7% | $2.18B 85.9% | $1.99B 88.2% | $1.71B 87.2% |
| Operating Income | $529.8M 12.5% | $503.2M 12.6% | $432.6M 11.7% | $385.4M 11.5% | $184.0M 6.1% | $46.6M 1.9% | $475.2M 17.3% | $357.9M 14.1% | $266.0M 11.8% | $249.8M 12.8% |
| Interest Expense | $84.5M 2.0% | $80.5M 2.0% | $55.6M 1.5% | $37.5M 1.1% | $38.3M 1.3% | $36.6M 1.5% | $36.2M 1.3% | $37.6M 1.5% | $32.6M 1.4% | $28.3M 1.4% |
| Interest & Investment Income | $23.2M 0.5% | $23.8M 0.6% | $15.2M 0.4% | $2.0M 0.1% | $700K 0.0% | $1.0M 0.0% | $2.0M 0.1% | $1.3M 0.1% | $2.4M 0.1% | $1.7M 0.1% |
| Other Income (Expense), net | -$81.6M -1.9% | -$54.3M -1.4% | -$32.2M -0.9% | -$62.8M -1.9% | -$48.4M -1.6% | -$38.5M -1.5% | -$41.4M -1.5% | -$63.0M -2.5% | -$9.7M -0.4% | -$16.9M -0.9% |
| Pretax Income | $448.2M 10.6% | $448.9M 11.3% | $400.4M 10.9% | $322.6M 9.6% | $135.6M 4.5% | $8.2M 0.3% | $433.8M 15.8% | $294.9M 11.6% | $256.3M 11.4% | $232.9M 11.9% |
| Income Tax Expense | $135.2M 3.2% | $142.6M 3.6% | $120.9M 3.3% | $91.9M 2.7% | $65.1M 2.2% | $11.5M 0.5% | $87.1M 3.2% | $62.8M 2.5% | $99.4M 4.4% | $58.8M 3.0% |
| Net Income | $309.5M 7.3% | $306 0.0% | $280 0.0% | $231 0.0% | $71 0.0% | -$3.4M -0.1% | $346.7M 12.6% | $232.9M 9.2% | $156.8M 7.0% | $174.4M 8.9% |
| Per Share | ||||||||||
| EPS (Basic) | $7.40 | $6.82 | $5.77 | $4.60 | $1.34 | -$0.06 | $6.49 | $4.52 | $2.99 | $3.34 |
| EPS (Diluted) | $6.84 | $6.45 | $5.50 | $4.41 | $1.32 | -$0.06 | $6.31 | $4.26 | $2.85 | $3.23 |
| Weighted Avg Shares (Basic) | 41.8M | 44.9M | 48.5M | 50.2M | 52.6M | 52.7M | 53.4M | 51.5M | 52.5M | 52.3M |
| Weighted Avg Shares (Diluted) | 45.8M | 48.1M | 51.6M | 53.5M | 53.5M | 52.7M | 54.9M | 54.6M | 55.1M | 54.0M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Ranked against 20 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-06-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EBC | $4.8B | 48.7× | — | 35.7× | 19.1% | — | 65.8% | 2.0% | 1.9% | — | 317 |
| FBP | $4.1B | 12.4× | — | 3.3× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 298 |
| UCB | $4.0B | 12.7× | — | 3.8× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 359 |
| PRK | $3.2B | 15.8× | — | 4.8× | 2.9% | — | 27.1% | 13.3% | 12.6% | — | 267 |
| CBU | $3.1B | 14.8× | — | 3.8× | 9.6% | — | 25.7% | 10.5% | 10.5% | — | 271 |
| FHB | $3.0B | 11.1× | — | 3.4× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 354 |
| BANC | $2.7B | 14.7× | — | 1.5× | -3.8% | — | 12.6% | 6.5% | 4.1% | — | 295 |
| NBTB | $2.6B | 15.1× | — | 14.3× | 10.4% | — | 92.5% | 8.9% | 8.3% | — | 277 |
| BUSE | $2.4B | 19.8× | — | 3.3× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 254 |
| EEFT | $2.4B | 9.4× | 5.1× | 0.6× | 6.4% | — | 7.3% | 23.7% | 9.3% | 1.5× | 356 |
| NTB | $2.3B | 10.7× | — | 3.8× | 4.6% | — | 38.2% | 20.3% | 20.3% | — | 244 |
| GABC | $1.8B | 15.9× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 184 |
| CASH | $1.5B | 9.1× | — | 1.8× | 5.3% | — | 22.1% | 21.7% | 20.6% | — | 275 |
| PEBO | $1.3B | 12.0× | 12.8× | 14.9× | 2.3% | — | — | 8.8% | 5.5% | 3.8× | 217 |
| UVSP | $1.1B | 13.0× | — | 3.4× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 218 |
| HAFC | $916M | 12.3× | 11.5× | 3.4× | 15.3% | — | 28.2% | 9.6% | 9.6% | 0.0× | 219 |
| FMNB | $889M | 10.3× | — | 3.2× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 177 |
| PGC | $767M | 20.6× | — | 2.7× | 24.1% | — | 13.2% | 5.7% | 5.1% | — | 170 |
| WASH | $707M | 13.7× | — | 3.1× | 128% | — | 22.8% | 9.6% | 9.6% | — | 176 |
| ACNB | $638M | 17.4× | — | 3.3× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 118 |
| NRIM | $541M | 8.5× | — | 2.1× | 30.4% | 81.7% | 25.3% | 19.8% | 15.8% | — | 154 |
Peers = companies sharing EEFT's sector (Functions Related To Depository Banking, NEC) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-10-14
Where each multiple sits in its own 14-yr range · 0th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 24% against ROIC 9% — 14% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Low operating leverage — profit tracks sales closely (stable, less cyclical).
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 58.7 | 56.6 | 63.5 | — | — | — | — | — |
| SG&A | 8.5 | 7.7 | 8.9 | 8.4 | 8.5 | 8.0 | 7.9 | 8.8 |
| Operating Income | 14.1 | 17.3 | 1.9 | 6.1 | 11.5 | 11.7 | 12.6 | 12.5 |
| Income Tax | 2.5 | 3.2 | 0.5 | 2.2 | 2.7 | 3.3 | 3.6 | 3.2 |
| Net Income | 9.2 | 12.6 | -0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 7.3 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on EEFT: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Cost of capital cannot be computed, so the spread is unknown.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | 40.0% | 12.8% | 8.9% |
| FY2017 | 39.8% | 11.8% | 7.0% |
| FY2018 | 41.3% | 14.1% | 9.2% |
| FY2019 | 43.4% | 17.3% | 12.6% |
| FY2020 | 36.5% | 1.9% | -0.1% |
| FY2021 | not reported | 6.1% | 2.4% |
| FY2022 | not reported | 11.5% | 6.9% |
| FY2023 | not reported | 11.7% | 7.6% |
| FY2024 | not reported | 12.6% | 7.7% |
| FY2025 | not reported | 12.5% | 7.3% |
Leverage and buybacks account for 14 points of the 24% return on equity in FY2025. The business earns 9% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: wacc.
Converts 2.52x of reported profit into free cash flow over 5 years, with accruals negative.
Reported free cash flow is $434M; after share-based compensation it is $379M. The difference is a real cost that the cash flow statement adds back.
Leverage is not measurable this way for a bank.
This schedule comes from a filing dated 2023-12-31, 1018 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2023-12-31 (10-K); cash from the 2023-12-31 balance sheet; FCF from FY2023.
Balance sheet at 2023-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $64.12, free cash flow must compound -7.8%/yr for 10 years. It has done 2.56%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −58.2% | −7.8% |
| FY2021 | 101.5% | −7.8% |
| FY2022 | 105.0% | −7.8% |
| FY2023 | −14.8% | −7.8% |
| FY2024 | 12.2% | −7.8% |
| FY2025 | −29.5% | −7.8% |
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
| Step | Amount | Running total |
|---|---|---|
| Net income | $310M | $310M |
| Share-based comp | $55M | $365M |
| Other non-cash & working capital | $195M | $560M |
| Operating cash flow | $560M | $560M |
| Capex | −$126M | $434M |
| Free cash flow | $434M | $434M |
| FCF after SBC | $379M | $379M |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | -9.7% | -41.8% | -32.1 points |
| FY2021 | 20.6% | 72.8% | 52.1 points |
| FY2022 | 12.1% | 33.4% | 21.3 points |
| FY2023 | 9.8% | 36.9% | 27.1 points |
| FY2024 | 8.2% | -23.1% | -31.3 points |
| FY2025 | 6.4% | 17.4% | 11.0 points |
| Fiscal year | DSO | DIO | DPO | Cash conversion cycle |
|---|---|---|---|---|
| FY2019 | 26.8 days | not reported | 19.2 days | 7.6 days |
| FY2020 | 17.3 days | not reported | 34.2 days | -16.9 days |
| FY2021 | 24.7 days | not reported | not reported | not reported |
| FY2022 | 29.4 days | not reported | not reported | not reported |
| FY2023 | 36.7 days | not reported | not reported | not reported |
| FY2024 | 26.1 days | not reported | not reported | not reported |
| FY2025 | 28.8 days | not reported | not reported | not reported |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -3.4 percent |
| FY2020 | -5.2 percent |
| FY2021 | -7.1 percent |
| FY2022 | -9.6 percent |
| FY2023 | -6.2 percent |
| FY2024 | -7.3 percent |
| FY2025 | -3.9 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.