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EPY Stock Chart & Stats
AU$0.12
<AU$0.01(4.35%)
At close: 4:00 PM EDT
AU$0.12
<AU$0.01(4.35%)
Day’s Range― - ―
52-Week RangeAU$0.11 - AU$0.22
Previous CloseN/A
Volume77.34K
Average Volume (3M)192.06K
Market Cap
AU$30.64M
Enterprise ValueAU$259.11
Total Cash (Recent Filing)AU$35.90M
Total Debt (Recent Filing)AU$245.94M
Price to Earnings (P/E)20.2
Beta0.61
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.32%
Share Statistics
EPS (TTM)<0.01
Shares Outstanding245,084,720
10 Day Avg. Volume228,682
30 Day Avg. Volume192,062
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)0.72
Price to Sales (P/S)1.04
P/FCF Ratio6.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.04
Revenue Forecast (FY)AU$45.90M
Bulls Say, Bears Say
Bulls Say
High Operating MarginsConsistently high EBIT and EBITDA margins indicate efficient underwriting and low operating leverage in its receivables finance model. These margins create durable earnings buffer to absorb credit losses and support operating cash flow stability over the medium term.
Recurring Receivables Finance ModelA core business of invoice/receivables financing generates recurring finance income plus service fees, creating predictable revenue streams tied to customer invoice volumes. This structural model supports repeat business and cross-sell, underpinning stable cash generation over months.
Strong FCF To Net Income ConversionNear-parity FCF to net income shows reported earnings largely convert to cash, signaling earnings quality and the ability to fund operations, dividends or debt service internally. This cash conversion supports financial flexibility despite growth headwinds.
Bears Say
High LeverageA debt-to-equity ratio above 3x indicates significant reliance on external funding (warehouses/credit lines). For a finance intermediary, this elevates refinancing and interest-rate risk, constraining capital flexibility and making margins sensitive to rising funding costs.
Declining RevenueConsecutive revenue decline signals pressure on origination or utilization of facilities, limiting scale benefits and reducing ability to spread fixed costs. Persistent top-line contraction undermines long-term profit expansion and constrains reinvestment capacity.
Falling Free Cash Flow GrowthA near-30% drop in FCF growth reduces capacity to pay down debt, invest in growth or sustain distributions. Even with strong FCF-to-income conversion, negative FCF growth is a structural warning about funding costs, working-capital demands or lower origination volumes.
EarlyPay Limited News
EPY FAQ
What was EarlyPay Limited’s price range in the past 12 months?
EarlyPay Limited lowest share price was AU$0.10 and its highest was AU$0.22 in the past 12 months.
What is EarlyPay Limited’s market cap?
EarlyPay Limited’s market cap is AU$30.64M.
When is EarlyPay Limited’s upcoming earnings report date?
EarlyPay Limited’s upcoming earnings report date is Sep 01, 2026 which is in 27 days.
How were EarlyPay Limited’s earnings last quarter?
EarlyPay Limited released its earnings results on Feb 25, 2026. The company reported AU$0.007 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is EarlyPay Limited overvalued?
According to Wall Street analysts EarlyPay Limited’s price is currently Overvalued.
Does EarlyPay Limited pay dividends?
EarlyPay Limited pays a Semiannually dividend of AU$0.006 which represents an annual dividend yield of 6.32%. See more information on EarlyPay Limited dividends here
What is EarlyPay Limited’s EPS estimate?
EarlyPay Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EarlyPay Limited have?
EarlyPay Limited has 245,084,720 shares outstanding.
What happened to EarlyPay Limited’s price movement after its last earnings report?
EarlyPay Limited reported an EPS of AU$0.007 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -8.824%.
Which hedge fund is a major shareholder of EarlyPay Limited?
Currently, no hedge funds are holding shares in AU:EPY
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
EarlyPay Limited Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.00%
12-Months-Change
Fundamentals
Return on Equity
6.32%
Trailing 12-Months
Asset Growth
1.81%
Trailing 12-Months
Company Description
EarlyPay Limited
Earlypay Limited, established in 2001 and headquartered in North Sydney, Australia, delivers a comprehensive suite of financial solutions to businesses across the country. Its operations are structured across three key divisions: Invoice Finance, Equipment Finance, and Other Services. Under its Invoice Finance umbrella, the company provides services like invoice factoring and discounting, clean energy financing, and flexible business lines of credit. The Equipment Finance segment assists with funding for both new and pre-owned machinery, offering solutions such as sale-and-leaseback arrangements, private purchase financing, and intermediate-term loans. Additionally, Earlypay supplies employment-related services, including staff procurement and project oversight, alongside various trade finance products. The firm also operates Skippr, a digital platform dedicated to offering financial support to small and medium-sized enterprises (SMEs). Previously known as CML Group Limited, the company adopted the Earlypay Limited name in November 2020.
Technical Analysis
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