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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$0.17 - AU$0.24
Previous CloseN/A
Volume36.39K
Average Volume (3M)192.06K
Market Cap
AU$45.33M
Enterprise ValueAU$244.09M
Total Cash (Recent Filing)AU$37.56M
Total Debt (Recent Filing)AU$236.32M
Price to Earnings (P/E)16.7
Beta0.63
Next Earnings
Feb 26, 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% imply a scalable, capital-light fintech operating model. High margins provide durable internal funding for product development and credit loss absorption, supporting resilience and competitive reinvestment over the medium term.
Strong FCF ConversionA near‑one free cash flow to net income ratio indicates reported earnings largely convert to cash, improving ability to service debt and fund growth organically. This conversion supports financial sustainability despite periodic FCF growth swings.
Structural SME Demand And PartnershipsEarlyPay’s focus on invoice and supply‑chain finance addresses structural SME liquidity needs. Partnerships with banks and tech providers expand distribution and risk-sharing, strengthening market access and providing a durable customer pipeline over multiple cycles.
Bears Say
High LeverageA debt-to-equity ratio above 3x materially elevates financial risk: higher interest cost sensitivity, constrained capital flexibility and greater vulnerability in tighter credit markets. This leverage profile limits strategic options and raises refinancing risk over the medium term.
Negative Revenue TrendDeclining top-line undermines the leverage benefits of high margins and restricts scale economics. Persistent revenue contractions reduce headroom for margin preservation, hinder earnings growth potential, and place pressure on pricing and client retention strategies.
Weak Cash Flow Growth And Conversion SignalsA steep fall in FCF growth and very low operating cash flow to net income ratio suggest volatility in cash generation and potential timing or working capital stress. This weak cash growth hampers debt reduction and investment capacity, worsening funding resilience.
EarlyPay Limited News
EPY FAQ
What was EarlyPay Limited’s price range in the past 12 months?
EarlyPay Limited lowest share price was AU$0.17 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$45.33M.
When is EarlyPay Limited’s upcoming earnings report date?
EarlyPay Limited’s upcoming earnings report date is Feb 26, 2026 which is in 6 days.
How were EarlyPay Limited’s earnings last quarter?
EarlyPay Limited released its earnings results on Aug 25, 2025. The company reported AU$0.006 earnings per share for the quarter, beating the consensus estimate of N/A by AU$0.006.
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$0.006 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
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
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.