EML Payments Ltd. (AU:EML)
ASX:EML
Want to see AU:EML full AI Analyst Report?
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$0.36 - AU$1.20
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$151.52M
Enterprise ValueAU$192.65M
Total Cash (Recent Filing)AU$47.81M
Total Debt (Recent Filing)AU$86.99M
Price to Earnings (P/E)―
Beta0.84
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$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
Strong Sales Pipeline And ConversionA $102m pipeline with a ~51% historical conversion rate and $24m secured program revenue materially increases forward revenue visibility. This improves predictability of program launches and monetization over the next 2–6 months, supporting stable revenue runway if onboarding delays are resolved.
Technology Restructuring (Project Arlo) And Cost ProgramProject Arlo and associated restructuring target sustainable structural cost reduction and platform consolidation. Lower ICT spend and a modernized stack should reduce unit costs, improve scalability for new client onboarding, and support margin recovery once migrations complete over the medium term.
Manageable Leverage And Improved Cash ConversionA moderate debt profile combined with high EBITDA-to-cash conversion (excludes one-offs) indicates relative financial flexibility and an ability to generate operating cash from core earnings. This supports funding of Arlo, working capital, and reduces immediate refinancing pressure over the coming months.
Bears Say
Severe Free Cash Flow DeteriorationA near-complete collapse in free cash flow signals weak cash generation and raises reliance on external financing for operations and strategic projects. Persistently low FCF constrains investment capacity, limits buffer for timing mismatches in onboarding, and elevates liquidity and solvency risk until conversion improves.
Revenue Decline And Negative MarginsMaterial revenue contraction and negative operating margins indicate the business has not yet achieved scale economics. Continued top-line weakness undermines fixed-cost absorption and margin recovery, threatening long-term ROE and the feasibility of funding product investments without sustained commercial improvement.
Large One-off Cash Outflows And Near-term Liquidity HitsSignificant non-operational cash outflows and consequent debt drawdown materially reduce available liquidity and increase leverage. This weakens the balance sheet, raises financing costs, and reduces flexibility to fund onboarding, Arlo migration, or absorb future execution delays, creating structural execution risk.
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$0.36 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$151.52M.
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 126 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
Neutral
1
2
3
4
5
6
7
8
9
10
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 89%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth AU$606.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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 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$0.99
▲(17.46% Upside)
Technical Analysis
Change Financial Ltd
―
IOUpay Limited
―
CPT Global Limited
―
Credit Clear Limited
―
Spirit Technology Solutions Ltd.
―
Options Prices
Currently, No data available
---