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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$0.73 - AU$1.20
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$299.08M
Enterprise ValueAU$280.25M
Total Cash (Recent Filing)AU$1.93B
Total Debt (Recent Filing)AU$54.08M
Price to Earnings (P/E)―
Beta0.65
Next Earnings
Feb 25, 2026EPS Estimate
0.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.02
Shares Outstanding388,419,600
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 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
Diversified Payments PlatformEML's core platform supports card issuance, processing and program management across gift, incentives, salary packaging and embedded payments. Multiple fee sources (program, transaction, interchange, breakage, float) create durable, diversified revenue streams tied to payments volume and program scale.
Manageable LeverageA modest debt-to-equity ratio provides financial flexibility to fund operations, invest in platform development or pursue strategic initiatives without excessive interest burden. Manageable leverage reduces solvency risk and supports multi-month resilience while management works to restore profitability.
Strong Gross MarginsEven after a decline, >65% gross margins indicate favorable unit economics for a software-driven payments platform. High gross margins imply scalability: incremental volumes can contribute disproportionately to operating leverage and long-term margin recovery if revenue trends stabilize and fixed costs are managed.
Bears Say
Declining RevenueA large revenue contraction erodes operating leverage and undermines the platform’s ability to absorb fixed costs. Sustained top-line declines strain client retention and program volumes, reducing future fee and interchange income and making margin recovery and reinvestment materially harder over several quarters.
Free Cash Flow CollapseA near-total collapse in free cash flow sharply limits internal financing for technology, compliance and client support. Persistent weak FCF raises reliance on external capital, increases refinancing risk, and constrains the company’s ability to invest in growth initiatives or weather prolonged revenue weakness.
Persistent Losses / Negative ROENegative ROE signals ongoing unprofitability that dilutes shareholder value and limits retained earnings as a funding source. Continued losses can force dilutive capital raises, hinder strategic investments, and challenge management’s ability to restore investor confidence and long-term financial sustainability.
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$0.72 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$299.08M.
When is EML Payments Ltd.’s upcoming earnings report date?
EML Payments Ltd.’s upcoming earnings report date is Feb 25, 2026 which is in 4 days.
How were EML Payments Ltd.’s earnings last quarter?
EML Payments Ltd. released its earnings results on Aug 27, 2025. The company reported AU$0.021 earnings per share for the quarter, missing the consensus estimate of AU$0.03 by -AU$0.009.
Is EML Payments Ltd. overvalued?
According to Wall Street analysts EML Payments Ltd.’s price is currently Overvalued.
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 is 0.02.
How many shares outstanding does EML Payments Ltd. have?
EML Payments Ltd. has 388,419,600 shares outstanding.
What happened to EML Payments Ltd.’s price movement after its last earnings report?
EML Payments Ltd. reported an EPS of AU$0.021 in its last earnings report, missing expectations of AU$0.03. Following the earnings report the stock price went same 0%.
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
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10
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.
Technical Analysis
Options Prices
Currently, No data available
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