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EML Payments
(Sydney:EML)
EML Payments (EML) vs. iShares MSCI Australia ETF (EWA)
EML Payments Business Overview & Revenue Model
EML Payments Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 157.94M | 157.94M | 167.53M | 254.43M | 232.52M | 192.40M |
| Gross Profit | 102.82M | 102.82M | 116.10M | 130.26M | 128.01M | 98.76M |
| EBITDA | 11.53M | -20.59M | 32.49M | 14.27M | 37.55M | 36.54M |
| Net Income | -53.18M | -53.39M | -26.48M | -284.82M | -4.80M | -28.70M |
Balance Sheet | ||||||
| Total Assets | 2.68B | 2.68B | 2.48B | 2.99B | 2.68B | 2.29B |
| Cash, Cash Equivalents and Short-Term Investments | 1.93B | 1.93B | 43.06M | 2.33B | 1.78B | 1.55B |
| Total Debt | 54.08M | 54.08M | 90.64M | 98.49M | 91.41M | 45.13M |
| Total Liabilities | 2.54B | 2.54B | 2.32B | 2.82B | 2.25B | 1.87B |
| Stockholders Equity | 146.44M | 146.44M | 159.02M | 174.55M | 437.12M | 414.89M |
Cash Flow | ||||||
| Free Cash Flow | 103.71M | 10.79M | 4.84M | 380.04M | 248.76M | 34.24M |
| Operating Cash Flow | 104.08M | 16.75M | 14.07M | 391.78M | 262.82M | 46.86M |
| Investing Cash Flow | 39.24M | 39.24M | -34.18M | -877.00K | -71.14M | -25.99M |
| Financing Cash Flow | -43.29M | -43.29M | -7.97M | -2.17M | 46.25M | -623.00K |
EML Payments Technical Analysis
EML Payments Peers Comparison
EML Payments Corporate Events
EML Payments Limited has announced the issuance of 255,102 ordinary fully paid securities to be quoted on the ASX, effective from October 20, 2025. This issuance, part of an employee incentive scheme, reflects the company’s ongoing efforts to enhance employee engagement and align interests with stakeholders, potentially strengthening its market position and operational capabilities.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced the retirement of Non-Executive Director Mr. Manoj Kheerbat following the 2025 Annual General Meeting. Mr. Kheerbat, who joined the board in December 2022, contributed significantly with his international experience and expertise in regulated financial services markets, particularly benefiting EML’s governance and operations in European markets.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced the appointment of Anna Gorton as the new Company Secretary, effective immediately. Gorton brings over 20 years of experience in legal and company secretary roles, previously serving at SMS Management & Technology Ltd and Aconex Limited. This change signifies a strategic move for EML Payments, as Gorton will be responsible for communication with the ASX, potentially impacting the company’s operations and stakeholder relations.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.70 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced the issuance of new ordinary fully paid securities, totaling 1,944,445 shares, to be quoted on the Australian Securities Exchange. This issuance is part of an employee incentive scheme, reflecting the company’s efforts to align employee interests with corporate performance and potentially enhancing its market position.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.70 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has appointed Andre Reich as a non-executive Director, effective September 25, 2025. Andre, known for his expertise in large-scale transformation programs and experience in the Australian retail sector, will join the Audit and Risk Committee and the Remuneration and Nomination Committees. His appointment is part of EML’s strategic initiative to align its board capabilities with its business needs, particularly as it executes its EML2.0 strategy. This move is expected to bolster the company’s operational expertise and drive shareholder value.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced the quotation of 1,411,186 ordinary fully paid securities on the Australian Securities Exchange (ASX) as part of an employee incentive scheme. This move is expected to enhance the company’s market presence and provide liquidity options for its stakeholders, reflecting its commitment to employee engagement and growth in the fintech sector.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced that its 2025 Annual General Meeting will be held on November 19, 2025, with the election of Directors as a key agenda item. The company has set September 18, 2025, as the deadline for director nominations, and further details will be provided in a forthcoming Notice of Meeting.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced the application for the quotation of new securities on the Australian Securities Exchange (ASX). The company is set to quote a total of 1,492,665 ordinary fully paid securities, issued under an employee incentive scheme, with no restrictions on transfer. This move is likely to enhance EML’s market presence and provide additional liquidity, potentially benefiting stakeholders by aligning employee interests with company performance.
The most recent analyst rating on (AU:EML) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced the issuance of 1,511,797 unquoted securities under an employee incentive scheme. These securities are subject to transfer restrictions and will not be quoted on the ASX until the restrictions are lifted, indicating a strategic move to incentivize and retain talent within the company.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.40 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced the issuance of unquoted equity securities as part of an employee incentive scheme. This move involves the allocation of rights and performance rights, which are restricted from transfer and not quoted on the ASX until the restriction ends, potentially impacting employee engagement and retention strategies.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.40 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Ltd. is a company that provides prepaid payment services across Europe, Asia Pacific, and North America, specializing in innovative payment solutions for various sectors. The company recently reported its financial performance for 2025, highlighting a 9% increase in revenue to $220.9 million and a 13% rise in underlying EBITDA to $58.6 million. Despite these gains, EML faced a statutory net loss of $53 million, largely due to a class action settlement. The company is undergoing a significant transformation under its EML2.0 strategy, focusing on restructuring its leadership and operations to drive sustainable growth. Looking ahead, EML Payments aims to continue its transformation efforts, targeting improved EBITDA margins and revenue growth over the next few years.
EML Payments Limited announced an investor presentation ahead of its annual results and investor briefing for the fiscal year ending June 30, 2025. The briefing, led by Executive Chair Anthony Hynes and CFO James Georgeson, aims to provide insights into the company’s financial performance and strategic direction, potentially impacting its market positioning and stakeholder interests.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.80 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has released its corporate governance statement for the financial year ending June 30, 2025, which is available on their website. The statement outlines the company’s adherence to the ASX Corporate Governance Council’s principles, highlighting their commitment to transparency and accountability in management and oversight. This release signifies EML Payments’ dedication to maintaining robust governance practices, which is crucial for its stakeholders and enhances its industry positioning.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.80 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced the issuance of 64,358 restricted rights under an employee incentive scheme. These securities are unquoted and subject to transfer restrictions until the restriction period ends, reflecting the company’s ongoing efforts to incentivize and retain employees, which could impact its operational dynamics and stakeholder engagement.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.20 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited announced a change in the director’s interest, with Ms. Petrina Coventry acquiring 64,358 Restricted Rights under the company’s NED Equity Plan. This acquisition, valued at $46,337.80, was facilitated through the sacrifice of Non-Executive Director fees. The move is part of EML’s strategy to align director interests with company performance, potentially impacting the company’s governance and stakeholder confidence.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.20 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced a change in its registered office and principal place of business. The registered office is now located at Level 13, 440 Collins Street, Melbourne, while the principal place of business is at Level 19, 288 Edward Street, Brisbane. This relocation may impact the company’s operational dynamics and stakeholder interactions.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.20 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.
EML Payments Limited has announced that it will release its Full-Year Results and Investor Presentation on 27 August 2025. The presentation will be led by Executive Chairman Anthony Hynes and CFO James Georgeson, offering insights into the company’s performance and strategic direction, which could impact its market positioning and stakeholder interests.
The most recent analyst rating on (AU:EML) stock is a Buy with a A$1.20 price target. To see the full list of analyst forecasts on EML Payments stock, see the AU:EML Stock Forecast page.