EML Payments (EML) AI Stock Analysis

• Market Cap: $384.11M
• Dividend Yield: N/A
• Average Volume (3M): 1.56M
• Price to Earnings (P/E): 36.4
• Beta (1Y): -0.18
• Revenue Growth: -5.87%
• EPS Growth: -540.18%
• Country: AU
• Employees: 458
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 0.02
• Shares Outstanding: 384,114,400
• 10 Day Avg. Volume: 1,517,758
• 30 Day Avg. Volume: 1,555,544
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.15
• Enterprise Value/Revenue: 2.79
• Enterprise Value/Gross Profit: 4.28
• Enterprise Value/Ebitda: 38.16
• 1Y Price Target: $1.54
• Price Target Upside: 53.60% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 44 Neutral
• Price Target: AU$1.00 ▲(0.00% Upside)

EML Payments' overall stock score is primarily impacted by its weak financial performance, characterized by declining revenues and profitability issues. The technical analysis suggests a bearish trend, with indicators pointing towards potential oversold conditions. Valuation metrics further underscore the company's challenges, with a negative P/E ratio and no dividend yield. These factors collectively result in a low overall stock score, highlighting the need for strategic improvements.

EML Payments Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

EML Payments generates revenue through multiple streams. Primarily, the company earns money by issuing prepaid cards, which include gift cards, incentive cards, and salary disbursement cards for various clients. EML charges fees for card issuance, transaction processing, and account maintenance. Additionally, EML benefits from interchange fees, which are a percentage of the transaction value paid by merchants when cardholders make purchases. The company also collaborates with financial institutions and retailers, providing white-label solutions that allow these partners to offer branded payment products without developing the infrastructure themselves. Partnerships with banks and businesses to implement customized payment solutions further contribute to EML's revenue, as these partnerships often involve long-term contracts with recurring revenue streams.

EML Payments Financial Statement Overview

Summary

EML Payments Ltd. faces challenges with declining revenues and persistent net losses, impacting its income statement and balance sheet health. Operational efficiencies are showing improvement, but the negative net income and reduced stockholders' equity present risks. Cash flow remains a relative strength, indicating better cash generation capabilities despite accounting losses.

Income Statement

The company has experienced a significant decline in revenue from 2023 to 2024, dropping by approximately 34%. The gross profit margin remains relatively stable at around 69% in 2024. However, the net profit margin has been negative, with a net loss reported in recent years. The EBIT and EBITDA margins have shown improvement, indicating better operational efficiency, but the overall profitability remains a concern.

Balance Sheet

The debt-to-equity ratio is modest, reflecting a manageable level of debt relative to equity. However, the stockholders' equity has decreased significantly, impacting the equity ratio. The return on equity remains negative due to consecutive net losses. Despite this, the company's assets have been stable over the years.

Cash Flow

The company has seen fluctuating free cash flow, with a notable decline in 2024. The operating cash flow is positive but has decreased compared to previous years. The free cash flow to net income ratio indicates that cash flow generation is better than accounting profits suggest, which is a positive aspect.

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

• Technical Analysis Sentiment: Negative
• Last Price: 1.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:EML, the sentiment is Negative. The current price of 1 is below the 20-day moving average (MA) of 1.05, below the 50-day MA of 1.07, and above the 200-day MA of 0.98, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 41.16 is Neutral, neither overbought nor oversold. The STOCH value of 21.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:EML.

EML Payments Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCR	61 Neutral	104.04M	29.17	0.00%	―	11.72%	0.00%
CCA	51 Neutral	52.47M	-17.27	0.00%	―	43.85%	29.03%
EML	44 Neutral	$384.11M	36.44	-32.98%	―	-5.87%	-540.18%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

EML Payments Corporate Events

EML Payments to Quote New Securities on ASX

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 Issues New Securities Under Employee Incentive Scheme

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 Announces Issuance of Unquoted Equity Securities

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 Announces Investor Briefing for FY25 Results

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 Releases 2025 Corporate Governance Statement

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 Issues Restricted Rights Under Employee Incentive Scheme

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.