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EarlyPay Limited (AU:EPY)
ASX:EPY
EPY Stock Chart & Stats
AU$0.19
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$0.19
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$0.15 - AU$0.24
Previous CloseN/A
Volume36.39K
Average Volume (3M)192.06K
Market Cap
AU$42.74M
Enterprise ValueAU$252.78M
Total Cash (Recent Filing)AU$35.90M
Total Debt (Recent Filing)AU$245.94M
Price to Earnings (P/E)―
Beta0.55
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.27%
Share Statistics
EPS (TTM)<0.01
Shares Outstanding259,034,700
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Operating MarginsSustained EBIT and EBITDA margins above 40% point to durable operational efficiency in EarlyPay’s core invoice-finance operations. High operating margins provide a cushion versus credit losses and funding cost volatility, supporting long-term profitability even if revenue growth is uneven.
Strong Cash ConversionA near‑one-to‑one free cash flow to net income ratio indicates the company reliably converts earnings into cash. For a working capital lender, dependable cash generation underpins funding of advances, supports dividend capacity and deleveraging options, improving financial resilience over months.
Recurring, Fee-based Business ModelEarlyPay’s SME invoice finance model creates recurring interest and fee revenue tied to receivables, aligning cash flows with client payment cycles. Diversified fee streams and ancillary services reduce single-product dependency and scale naturally as receivables volumes grow, supporting medium-term revenue stability.
Bears Say
High Financial LeverageSubstantial leverage elevates refinancing and liquidity risk for a funder of receivables. A high debt-to-equity ratio limits flexibility to absorb funding-cost shocks or lend through stress periods, increases sensitivity to interest-rate rises, and can constrain strategic investment without capital raises.
Declining Revenue TrendConsecutive negative revenue growth signals shrinking funded receivables or pricing pressure in core markets. For a lending platform, sustained top-line contraction undermines scale economies, limits incremental margin expansion, and raises concerns about market share or product demand over the next several months.
Low Net Returns To EquityRelatively low net margins and weak ROE indicate modest returns after funding costs and impair capital efficiency. In a capital‑intensive lending business this reduces ability to grow equity‑accretively, makes future equity raises more dilutive, and limits long‑term shareholder return potential.
EarlyPay Limited News
EPY FAQ
What was EarlyPay Limited’s price range in the past 12 months?
EarlyPay Limited lowest share price was AU$0.15 and its highest was AU$0.23 in the past 12 months.
What is EarlyPay Limited’s market cap?
EarlyPay Limited’s market cap is AU$42.74M.
When is EarlyPay Limited’s upcoming earnings report date?
EarlyPay Limited’s upcoming earnings report date is Sep 01, 2026 which is in 172 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, beating the consensus estimate of N/A by AU$0.007.
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 4.27%. 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 259,034,700 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, beating 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
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Blogger Sentiment
Bullish
AU:EPY Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.00%
12-Months-Change
Fundamentals
Return on Equity
3.91%
Trailing 12-Months
Asset Growth
0.18%
Trailing 12-Months
Company Description
EarlyPay Limited
Earlypay Limited offers financial solutions to businesses in Australia. It operates through Invoice Finance, Equipment Finance, and Other Services segments. The company offers invoice factoring and discounting, and clean energy finance services, as well as business line of credit. It also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, private sales, and mid-term financing. In addition, the company offers employment solutions comprising labor sourcing and project management; and trade finance services. Further, it operates Skippr, an online platform that provides finance solutions to SME's. The company was formerly known as CML Group Limited and changed its name to Earlypay Limited in November 2020. Earlypay Limited was incorporated in 2001 and is based in North Sydney, Australia.