EML Payments Ltd. (AU:EML)
ASX:EML
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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$0.33 - AU$1.18
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$128.26M
Enterprise ValueAU$190.70M
Total Cash (Recent Filing)AU$47.81M
Total Debt (Recent Filing)AU$86.99M
Price to Earnings (P/E)―
Beta0.83
Next Earnings
Sep 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.17
Shares Outstanding388,661,800
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$0.99Price Target Upside17.46% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.03
Revenue Forecast (FY)AU$208.04M
Bulls Say, Bears Say
Bulls Say
Platform Business Model & Revenue DiversityEML’s payments-as-a-service model produces multiple recurring revenue streams (program, transaction, interchange, breakage, float). That structural diversification and platform stickiness support more durable revenues as card volumes and program counts recover, reducing single-customer dependency.
Strong Sales Pipeline And ConversionA $102m pipeline with roughly 51% conversion and ~$24m already secured provides a clear multi-period revenue runway. High conversion and scheduled launches reduce reliance on sporadic wins, improving predictability of future program revenue if activation bottlenecks are resolved.
Manageable Leverage And Structural Cost SavesModerate leverage (D/E ~0.37) preserves balance-sheet flexibility to fund restructuring and growth. Combined with GlobalOps and Project Arlo cost initiatives (targeted ICT spend cuts), these structural expense reductions can sustainably lift margins and free cash generation when fully realized.
Bears Say
Revenue Decline And Negative ProfitabilityMaterial top-line contraction and persistent negative margins indicate structural demand or client-retention issues. Continued revenue weakness limits reinvestment, depresses ROE, and means margin recovery depends on successful program activations and sustained cost improvement over multiple quarters.
Severe Free Cash Flow Pressure And One-offsA near-100% drop in free cash flow plus large one-off cash obligations materially reduce liquidity and financial flexibility. This elevates refinancing and funding risk, can constrain investments (e.g., product launches, Arlo migration), and may force higher-cost capital or operational trade-offs.
Onboarding And Regional Execution RisksExtended onboarding delays and regional execution shortfalls (notably Europe client terminations) lengthen time-to-revenue and weaken the conversion of pipeline into sustainable income. Operational execution risk undermines growth targets and makes revenue recovery timing uncertain.
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$0.33 and its highest was AU$1.18 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is AU$128.26M.
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 82 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 388,661,800 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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
AU$0.99 (17.46% Upside)
AU$0.99 (17.46% Upside)
Blogger Sentiment
Bullish
AU:EML Sentiment 78%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth AU$606.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.53%
12-Months-Change
Fundamentals
Return on Equity
-45.17%
Trailing 12-Months
Asset Growth
12.26%
Trailing 12-Months
Company Description
EML Payments Ltd.
EML Payments Limited (EML.AX) operates a payment processing platform, delivering diverse solutions across Australia, Europe, and North America. Its business is structured around three key divisions: General Purpose Reloadable (GPR), Gift and Incentives, and Digital Payments. The GPR segment specializes in reloadable card products, catering to diverse sectors including government, salary packaging, gaming, and digital banking. This encompasses a full suite of services, including card issuance, transaction processing, and comprehensive program administration. The Gift and Incentives division focuses on single-use prepaid gift cards, widely utilized in shopping centers and for corporate reward and incentive schemes. Lastly, the Digital Payments segment delivers innovative payment solutions, supporting areas like open banking initiatives, buy-now-pay-later (BNPL) services, and bill payment platforms. Beyond these core segments, EML's broader service portfolio encompasses banking and credit solutions, disbursement services, earned wage access, and foreign exchange payment capabilities. Established in 2003 as Emerchants Limited, the company is headquartered 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$0.99
▲(17.46% Upside)
Technical Analysis
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Options Prices
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