Financial Analysis: Fold (NASDAQ:FLD) versus Euronet Worldwide (NASDAQ:EEFT)

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

Insider and Institutional Ownership

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

Profitability

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

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

Analyst Ratings

This is a summary of recent recommendations and price targets for Fold and Euronet Worldwide, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fold	1	0	3	1	2.80
Euronet Worldwide	2	2	5	0	2.33

Fold presently has a consensus target price of $7.83, suggesting a potential upside of 244.32%. Euronet Worldwide has a consensus target price of $111.33, suggesting a potential upside of 54.47%. Given Fold’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Fold is more favorable than Euronet Worldwide.

Valuation and Earnings

This table compares Fold and Euronet Worldwide”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fold	N/A	N/A	-$1.87 million	($0.75)	-3.03
Euronet Worldwide	$3.99 billion	0.76	$306.00 million	$6.83	10.55

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.

Volatility & Risk

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

Summary

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

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.

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.