EarlyPay Limited (AU:EPY)
ASX:EPY
Want to see AU:EPY full AI Analyst Report?
EPY Stock Chart & Stats
AU$0.19
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$0.19
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$0.15 - AU$0.23
Previous CloseN/A
Volume36.39K
Average Volume (3M)192.06K
Market Cap
AU$38.86M
Enterprise ValueAU$248.89M
Total Cash (Recent Filing)AU$35.90M
Total Debt (Recent Filing)AU$245.94M
Price to Earnings (P/E)―
Beta0.55
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.27%
Share Statistics
EPS (TTM)<0.01
Shares Outstanding259,034,700
10 Day Avg. Volume228,682
30 Day Avg. Volume192,062
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)0.72
Price to Sales (P/S)1.04
P/FCF Ratio6.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High EBIT & EBITDA MarginsSustained high EBIT and EBITDA margins show operational efficiency and tight cost control in core invoice-finance operations. These margins provide a durable earnings buffer to absorb credit losses or funding cost rises, supporting profitability and reinvestment capacity over months.
Invoice Finance Business ModelA focused SME invoice-finance platform targets persistent working-capital needs, creating recurring fee and finance-income streams. Structural demand from SMEs for receivables liquidity and embedded payments/services drives stickiness, predictable cash flow, and scalable growth potential.
Strong Free Cash Flow To Net IncomeNear parity between free cash flow and net income indicates earnings largely convert to cash. This durable cash-generation ability supports debt servicing, funding of lending operations, and potential distributions, improving financial resilience despite cyclical funding conditions.
Bears Say
High LeverageA debt-to-equity ratio above 3x signals significant leverage that limits financial flexibility. High reliance on borrowed funds raises refinancing and interest-rate sensitivity, constraining the firm’s ability to grow the lending book, absorb credit shocks, or reduce leverage without impacting earnings.
Declining RevenueNegative top-line growth indicates weakening origination or pricing pressure in core invoice finance activities. Persistent revenue declines reduce the scale benefits that underpin margins and cash generation, making long-term margin maintenance and growth initiatives harder without reversing sales trends.
Weak Free Cash Flow Growth & Cash Conversion SignalsA sharp drop in free cash flow growth and very low operating-cash-to-income conversion flag earnings quality and timing issues. Weaker FCF momentum limits capacity to deleverage, invest in platform expansion, or absorb credit losses, elevating funding and liquidity risk over the medium term.
EarlyPay Limited News
EPY FAQ
What was EarlyPay Limited’s price range in the past 12 months?
EarlyPay Limited lowest share price was AU$0.15 and its highest was AU$0.23 in the past 12 months.
What is EarlyPay Limited’s market cap?
EarlyPay Limited’s market cap is AU$38.86M.
When is EarlyPay Limited’s upcoming earnings report date?
EarlyPay Limited’s upcoming earnings report date is Sep 01, 2026 which is in 126 days.
How were EarlyPay Limited’s earnings last quarter?
EarlyPay Limited released its earnings results on Feb 25, 2026. The company reported AU$0.007 earnings per share for the quarter, beating the consensus estimate of N/A by AU$0.007.
Is EarlyPay Limited overvalued?
According to Wall Street analysts EarlyPay Limited’s price is currently Overvalued.
Does EarlyPay Limited pay dividends?
EarlyPay Limited pays a Semiannually dividend of AU$0.006 which represents an annual dividend yield of 4.27%. See more information on EarlyPay Limited dividends here
What is EarlyPay Limited’s EPS estimate?
EarlyPay Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EarlyPay Limited have?
EarlyPay Limited has 259,034,700 shares outstanding.
What happened to EarlyPay Limited’s price movement after its last earnings report?
EarlyPay Limited reported an EPS of AU$0.007 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -8.824%.
Which hedge fund is a major shareholder of EarlyPay Limited?
Currently, no hedge funds are holding shares in AU:EPY
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
EarlyPay Limited Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
AU:EPY Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.00%
12-Months-Change
Fundamentals
Return on Equity
2.15%
Trailing 12-Months
Asset Growth
1.81%
Trailing 12-Months
Company Description
EarlyPay Limited
Earlypay Limited offers financial solutions to businesses in Australia. It operates through Invoice Finance, Equipment Finance, and Other Services segments. The company offers invoice factoring and discounting, and clean energy finance services, as well as business line of credit. It also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, private sales, and mid-term financing. In addition, the company offers employment solutions comprising labor sourcing and project management; and trade finance services. Further, it operates Skippr, an online platform that provides finance solutions to SME's. The company was formerly known as CML Group Limited and changed its name to Earlypay Limited in November 2020. Earlypay Limited was incorporated in 2001 and is based in North Sydney, Australia.