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EML Payments Ltd. (AU:EML)
ASX:EML
EML Stock Chart & Stats
AU$0.84
-AU$0.02(-1.84%)
At close: 4:00 PM EST
AU$0.84
-AU$0.02(-1.84%)
Day’s Range― - ―
52-Week RangeAU$0.58 - AU$1.20
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$237.00M
Enterprise ValueAU$280.84M
Total Cash (Recent Filing)AU$47.81M
Total Debt (Recent Filing)AU$86.99M
Price to Earnings (P/E)―
Beta0.55
Next Earnings
Sep 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.01
Shares Outstanding388,522,920
10 Day Avg. Volume1,008,169
30 Day Avg. Volume1,097,160
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)3.03
Price to Sales (P/S)2.81
P/FCF Ratio41.16
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.58Price Target Upside87.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.06
Revenue Forecast (FY)AU$220.37M
Bulls Say, Bears Say
Bulls Say
Pipeline Growth & ConversionA $102m sales pipeline with a 51% conversion rate and ~ $24m secured revenue provides durable revenue visibility and shows sales efficiency. The mix of launched and scheduled programs supports predictable multi-month revenue recognition and offers a foundation for steady program-based growth.
Manageable Leverage And Equity BaseA debt-to-equity around 0.37 implies conservative leverage relative to peers, giving the company balance-sheet flexibility to fund working capital and transitional costs. That structural headroom supports financing of Arlo deployment and near-term program ramps without excessive refinancing pressure.
Restructuring & Structural Cost SavingsProject Arlo and GlobalOps restructuring are delivering tangible efficiency gains (quarterly cost improvement and an estimated 35% savings). These structural cost reductions and process standardization should sustainably improve operating leverage and margins as migrations and product reactivations scale.
Bears Say
Revenue Contraction & Negative MarginsSignificant historic revenue declines and persistent negative margins reflect weakened demand and client churn that impair the company’s ability to generate operating profits. This structural earnings weakness reduces internal funding for growth initiatives and constrains recovery unless client wins materially accelerate.
Severe Free Cash Flow DeteriorationA ~97% collapse in free cash flow signals acute cash-generation problems, limiting capacity to invest or absorb shocks. Low operating-cash-to-net-income ratios increase reliance on external financing and make the firm vulnerable to funding squeezes during multi-quarter onboarding delays or further market stress.
Near-term Cash Outflows & Onboarding DelaysLarge one-off outflows (class-action, repayments) plus a 4-month onboarding lag have tightened guidance and strained liquidity. These structural timing mismatches between signings and activation increase execution risk, slow conversion of pipeline to revenue, and may necessitate further external funding in the medium term.
EML Payments News
EML FAQ
What was EML Payments Ltd.’s price range in the past 12 months?
EML Payments Ltd. lowest share price was AU$0.58 and its highest was AU$1.20 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is AU$237.00M.
When is EML Payments Ltd.’s upcoming earnings report date?
EML Payments Ltd.’s upcoming earnings report date is Sep 02, 2026 which is in 173 days.
How were EML Payments Ltd.’s earnings last quarter?
EML Payments Ltd. released its earnings results on Feb 24, 2026. The company reported -AU$0.01 earnings per share for the quarter, missing the consensus estimate of AU$0.02 by -AU$0.03.
Is EML Payments Ltd. overvalued?
According to Wall Street analysts EML Payments Ltd.’s price is currently Undervalued.
Does EML Payments Ltd. pay dividends?
EML Payments Ltd. does not currently pay dividends.
What is EML Payments Ltd.’s EPS estimate?
EML Payments Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EML Payments Ltd. have?
EML Payments Ltd. has 388,522,920 shares outstanding.
What happened to EML Payments Ltd.’s price movement after its last earnings report?
EML Payments Ltd. reported an EPS of -AU$0.01 in its last earnings report, missing expectations of AU$0.02. Following the earnings report the stock price went down -1.439%.
Which hedge fund is a major shareholder of EML Payments Ltd.?
Currently, no hedge funds are holding shares in AU:EML
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
EML Payments Stock Smart Score
Underperform
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.58 (87.50% Upside)
AU$1.58 (87.50% Upside)
Blogger Sentiment
Bullish
AU:EML Sentiment 70%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.53%
12-Months-Change
Fundamentals
Return on Equity
-32.98%
Trailing 12-Months
Asset Growth
5.97%
Trailing 12-Months
Company Description
EML Payments Ltd.
EML Payments Limited provides payment solutions platform in Australia, Europe, and North America. It operates in three segments: General Purpose Reloadable, Gift and Incentives, and Digital Payments. The General Purpose Reloadable segment offers reloadable cards to various industries, such as government, salary packaging, gaming, and digital banking. This segment also provides issuance, processing, and program management services. The Gift and Incentives segment provides single load gift cards for shopping malls and incentive programs. The Digital Payments segment offers payment options for open banking, buy-now pay-later providers, and bill payment providers. The company also offers banking, credit, and disbursements services, as well as earned wage access, gifts, incentives and rewards, open banking, and forex payment solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Brisbane, Australia.
EML Company Deck
EML Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call balanced significant operational and strategic progress (pipeline growth, 51% conversion, Project Arlo build, GlobalOps cost savings and product reactivation) against near-term financial pressures (revenue down 6%, underlying EBITDA down 16%, interest income decline, Europe headwinds, and large one-off cash outflows including a provisional class action settlement). Management highlighted clear remediation actions, tightened guidance, and a path to cleaner statutory results next year. Given demonstrated execution on restructuring, improving commercial momentum, and credible technology timelines, offset by current profitability and cash headwinds, the tone is cautiously constructive but pragmatic.View all AU:EML earnings summariesEML Stock 12 Month Forecast
Average Price Target
AU$1.58
▲(87.50% Upside)
Technical Analysis
Options Prices
Currently, No data available
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