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$0.54 - AU$1.20
Previous CloseN/A
Volume962.44K
Average Volume (3M)1.10M
Market Cap
AU$211.74M
Enterprise ValueAU$250.92M
Total Cash (Recent Filing)AU$47.81M
Total Debt (Recent Filing)AU$86.99M
Price to Earnings (P/E)―
Beta0.81
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$1.31Price Target Upside55.95% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)0.06
Revenue Forecast (FY)AU$217.50M
Bulls Say, Bears Say
Bulls Say
Large Sales Pipeline And High ConversionA $102m pipeline with ~51% conversion and $10.3m already launched indicates durable commercial traction. High conversion reduces sales risk and supports predictable revenue ramp over the next 2–6 months as signed programs move to activation and become recurring service and transaction revenue.
Manageable Balance Sheet LeverageA debt-to-equity of ~0.37 and stable equity financing provide financial flexibility to fund product build (Arlo) and working capital through near-term headwinds. Manageable leverage lowers refinancing risk and preserves capacity for strategic investments or contingency spending over the medium term.
Improved Cash ConversionA 79% EBITDA-to-cash conversion shows the business can convert underlying profitability into cash reliably. Strong conversion supports funding of operations and tech migration without immediate dilutive capital raises, improving runway and enabling reinvestment if revenue trends stabilize.
Bears Say
Revenue Contraction And Weak ProfitabilityMaterial revenue declines and persistent negative margins undermine the firm's ability to achieve sustainable earnings. A near-total collapse in free cash flow signals difficulty funding organic growth and tech initiatives internally, increasing dependence on external financing or structural cost-out to restore profitability.
Large One-off Cash Outflows And Settlement RiskSubstantial one-off payments materially reduce liquidity and forced a debt drawdown, increasing leverage and interest exposure. These non-recurring but large drains compress near-term financial flexibility, constrain investment capacity, and raise refinancing and covenant risks if operational recovery lags.
Onboarding Lags And Activation DelaysMulti-month onboarding delays convert signed revenue into deferred cashflows, slowing program monetization and making booking growth less reliable. Persistent activation frictions increase sales-to-revenue conversion risk, undermine margin leverage from scale, and may prolong the timeline to profitable growth.
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$0.54 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$211.74M.
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 150 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
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Analyst Consensus
Strong Buy
Average Price Target:
AU$1.31 (55.95% Upside)
AU$1.31 (55.95% Upside)
Blogger Sentiment
Bullish
AU:EML Sentiment 70%
Sector Average 66%
Sector Average 66%
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 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$1.31
▲(55.95% Upside)
Technical Analysis
Options Prices
Currently, No data available
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