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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$0.29 - AU$1.17
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$128.26M
Enterprise ValueAU$158.46M
Total Cash (Recent Filing)AU$47.81M
Total Debt (Recent Filing)AU$86.99M
Price to Earnings (P/E)―
Beta0.74
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-0.09
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)0.05
Revenue Forecast (FY)AU$224.51M
Bulls Say, Bears Say
Bulls Say
Strong Sales Pipeline & ConversionA $102m pipeline with a ~51% conversion rate and $24m secured revenue indicates a durable backlog of monetizable opportunities. Over 2–6 months this supports predictable program launches and revenue ramp if onboarding execution improves, reducing reliance on sporadic wins.
Technology Modernization (Project Arlo)Completing Arlo and reducing ICT spend by ~33% is structural: modern platform lowers operating costs, simplifies onboarding and supports scalable product launches. Over months this should improve gross margins and reduce per-program delivery friction.
Improved Cash Conversion MetricsA 79% EBITDA-to-cash conversion (ex-one-offs) signals the business can convert earnings into cash efficiently, underpinning liquidity and funding for operations. Sustained conversion supports investment in product rollouts and reduces reliance on external financing.
Bears Say
Declining Revenue And Negative MarginsA ~24% revenue decline and persistent negative margins reflect weakened demand or customer losses and pressure on profitability. Unless structural drivers reverse, this constrains reinvestment, margin recovery and the company’s ability to generate sustainable shareholder returns over coming quarters.
Severe Free Cash Flow DeteriorationA nearly 97% drop in free cash flow is a material, persistent liquidity signal. Reduced free cash curtails discretionary spend on sales, product development and migration (Arlo), increases reliance on debt, and elevates refinancing and operational risk over the 2–6 month horizon.
Onboarding & Activation DelaysMulti-month onboarding lags undermine the pipeline-to-revenue conversion mechanics, delaying cash flows and compressing near-term guidance. Structural integration, partner or process frictions that persist will blunt growth from secured contracts and extend the timeline to achieve scale.
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$0.28 and its highest was AU$1.17 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 59 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
Underperform
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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 75%
Sector Average ―
Sector Average ―
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 provides payment solutions platform in Australia, Europe, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Melbourne, 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
All Analysts
Top Analysts
Average Price Target
AU$0.99
▲(17.46% Upside)
Technical Analysis
1 Day
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