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EarlyPay Limited (AU:EPY)
:EPY
Australian Market
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EarlyPay Limited (EPY) AI Stock Analysis

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AU:EPY

EarlyPay Limited

(Sydney:EPY)

Rating:60Neutral
Price Target:
AU$0.00
▼(-100.00%Downside)
The overall stock score of EarlyPay Limited is primarily influenced by its financial performance, which shows strong operational efficiency but is hampered by high leverage and declining revenue growth. Technical analysis indicates moderate bullish momentum, while the high P/E ratio suggests potential overvaluation. The absence of earnings call and corporate events data means these aspects do not impact the score.

EarlyPay Limited (EPY) vs. iShares MSCI Australia ETF (EWA)

EarlyPay Limited Business Overview & Revenue Model

Company DescriptionEarlypay 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.
How the Company Makes MoneyEarlyPay Limited makes money primarily through fee-based revenue generated from its invoice financing services. The company charges its clients a service fee, which is typically a percentage of the invoice value, for advancing funds against unpaid invoices. Key revenue streams include fees from invoice factoring, where EarlyPay purchases the invoices at a discount, and invoice discounting, where businesses retain control over their sales ledger but receive financing based on outstanding invoices. EarlyPay may also earn interest on the funds advanced to clients and could have significant partnerships with financial institutions to manage funding requirements. The company's earnings are influenced by the volume of invoices financed and the structure of their fee agreements.

EarlyPay Limited Financial Statement Overview

Summary
EarlyPay Limited shows a mixed financial performance. The company demonstrates strong gross profit margins and operational efficiency but faces challenges in revenue growth and high leverage. While cash flow remains stable, the high debt load poses potential risks. The company should focus on improving revenue growth and reducing leverage to enhance financial stability.
Income Statement
65
Positive
The income statement shows a mixed performance. The gross profit margin remains strong, indicating efficient cost management. However, revenue has decreased from the previous year, resulting in a negative revenue growth rate. There is an improvement in net income, turning from a loss in the previous year to a positive net profit, which is a positive sign. The EBIT and EBITDA margins are healthy, reflecting solid operational efficiency.
Balance Sheet
60
Neutral
The balance sheet reveals a moderate financial position with potential risks. The debt-to-equity ratio is high, suggesting significant leverage, which could pose risks if earnings do not improve. Return on equity has improved due to better net income, but the equity ratio is relatively low, indicating limited asset financing through equity. Overall, the company relies heavily on debt financing, which could impact financial stability.
Cash Flow
70
Positive
Cash flow statements indicate a stable cash flow situation with some growth in free cash flow. The operating cash flow to net income ratio is robust, showing effective cash earnings conversion. Free cash flow growth is slightly negative but remains positive overall, ensuring liquidity. Despite fluctuations in investing and financing cash flows, the company maintains a solid cash flow position.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue54.56M60.54M25.95M42.51M46.86M
Gross Profit40.62M41.48M6.28M24.96M25.84M
EBITDA25.66M9.87M27.32M22.06M16.68M
Net Income2.45M-7.74M13.22M7.24M3.67M
Balance Sheet
Total Assets314.04M360.30M492.83M376.43M335.98M
Cash, Cash Equivalents and Short-Term Investments40.13M52.99M52.71M44.77M38.20M
Total Debt236.72M280.36M293.97M207.41M185.59M
Total Liabilities241.43M286.81M407.74M317.92M282.59M
Stockholders Equity72.61M73.48M85.09M58.51M53.39M
Cash Flow
Free Cash Flow8.24M8.30M11.95M4.39M1.73M
Operating Cash Flow9.33M9.21M12.68M4.81M1.83M
Investing Cash Flow24.39M11.72M-84.23M-37.73M68.17M
Financing Cash Flow-46.58M-20.65M79.49M39.49M-52.89M

EarlyPay Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.20
Price Trends
50DMA
0.21
Positive
100DMA
0.21
Negative
200DMA
0.20
Positive
Market Momentum
MACD
<0.01
Negative
RSI
59.64
Neutral
STOCH
77.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:EPY, the sentiment is Positive. The current price of 0.2 is below the 20-day moving average (MA) of 0.20, below the 50-day MA of 0.21, and below the 200-day MA of 0.20, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 59.64 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:EPY.

EarlyPay Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
C$15.12B7.0623.28%5.39%33.61%-23.38%
60
Neutral
AU$54.44M33.332.31%1.45%-5.36%
€34.73M-26.78%
53
Neutral
AU$108.01M7.17-13.74%-14.61%-325.81%
50
Neutral
AU$82.68M-16.83%-2.45%-639.57%
47
Neutral
AU$38.41M-85.47%4.91%-29.86%
46
Neutral
AU$39.06M-20.13%-5.95%-9.84%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:EPY
EarlyPay Limited
0.20
0.03
17.65%
DE:6DR
Harmoney Corp Ltd
0.28
0.06
27.27%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:BTN
Butn Limited
0.10
0.05
100.00%
AU:PNC
Pioneer Credit Ltd
0.52
0.04
8.33%
AU:MME
MoneyMe Ltd.
0.14
0.07
100.00%

EarlyPay Limited Corporate Events

EarlyPay Limited Announces Director’s Interest Change
Jul 2, 2025

EarlyPay Limited has announced a change in the director’s interest, specifically involving James Beeson. The change involves the lapse of 709,614 performance rights due to unmet vesting conditions. This adjustment does not affect the number of shares held by Beeson indirectly through family and superannuation trusts. The update reflects the company’s adherence to regulatory requirements and transparency in its corporate governance practices.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

EarlyPay Limited Announces Cessation of Securities
Jul 2, 2025

EarlyPay Limited announced the cessation of 2,460,384 securities due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This development may impact the company’s capital structure and could have implications for its market positioning and stakeholder interests.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Earlypay Limited Announces Change of Registry Address
Jun 10, 2025

Earlypay Limited has announced a change in the location of its share registry office in Sydney, moving to 44 Martin Place. This change, effective from June 10, 2025, is part of the company’s ongoing operational adjustments. The relocation of the registry office is not expected to impact the company’s services or stakeholder relations, as contact numbers and postal addresses remain the same.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

TIGA Trading Increases Stake in EarlyPay Limited
May 26, 2025

EarlyPay Limited has announced a change in the interests of a substantial holder, TIGA Trading Pty Ltd, which has increased its voting power from 12.88% to 14.43% by acquiring additional shares. This change, involving a market purchase of over a million shares, signifies a strengthened position for TIGA Trading in EarlyPay, potentially impacting the company’s strategic decisions and stakeholder interests.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Thorney Opportunities Increases Stake in EarlyPay Limited
May 26, 2025

EarlyPay Limited, a company listed on the ASX, has experienced a change in the interests of a substantial holder, Thorney Opportunities Ltd, which now holds a 14.43% voting power in the company, up from 12.88%. This increase in shares, through market purchases by Thorney Investment Group entities, suggests a strategic move by Thorney to strengthen its position in EarlyPay, potentially impacting the company’s market dynamics and stakeholder interests.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Solvar Limited Acquires Substantial Stake in EarlyPay Limited
May 26, 2025

EarlyPay Limited has announced that Solvar Limited has become a substantial holder in the company, acquiring a significant voting power of 19.9% through the purchase of 54,169,609 ordinary fully paid shares. This acquisition, valued at $11,917,314, grants Solvar Limited the power to control, vote, and dispose of these securities, potentially impacting EarlyPay’s corporate governance and strategic direction.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Solvar Limited Acquires 19.9% Stake in Earlypay Limited
May 23, 2025

Solvar Limited has acquired a 19.9% stake in Earlypay Limited, a provider of working capital finance to Australian SMEs. This strategic acquisition aligns with Solvar’s strategy to expand into underserviced markets, providing the company exposure to large commercial markets adjacent to its core operations.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

COG Financial Services Ceases Substantial Holding in EarlyPay Limited
May 22, 2025

EarlyPay Limited, a company listed on the Australian Securities Exchange (ASX: EPY), has announced that COG Financial Services Limited (ASX: COG) has ceased to be a substantial holder in the company as of May 22, 2025. This change occurred through on-market sales totaling $12,759,796.78, affecting a total of 58,382,023 ordinary shares. The announcement indicates a significant shift in the shareholding structure of EarlyPay Limited, which could have implications for its market positioning and stakeholder dynamics.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Earlypay Reports Lower FIU, Revises FY25 Outlook Amid Potential Corporate Changes
May 20, 2025

Earlypay Limited has reported a lower-than-expected performance in its Invoice Finance Funds in Use (FIU) for the second half of the fiscal year, attributed to reduced usage by existing clients and increased attrition. Despite this, new client settlements are anticipated to bolster income in the upcoming fiscal year, while Equipment Finance FIU is experiencing steady growth. The company has successfully repaid its corporate debt, leaving it debt-free at the corporate level. However, the revised outlook for FY25 shows a decrease in the expected Underlying Earnings Per Share due to the lower FIU. Earlypay is exploring options to maximize shareholder value with surplus capital and is engaged in discussions regarding a potential change in control transaction, though no guarantees have been made.

The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.

Earlypay Limited Announces Director Departure
Apr 28, 2025

Earlypay Limited has announced the cessation of Susan Healy as a director, effective April 24, 2025. Susan Healy held 101,255 fully paid ordinary shares directly and an additional 667,480 shares through Serk Investments Pty Ltd as a beneficiary of the Healy SMSF. This change in directorship may impact the company’s governance structure and could have implications for its strategic direction.

Earlypay Limited Announces Board Resignation and Leadership Transition
Apr 24, 2025

Earlypay Limited announced the resignation of Ms. Susan Healy from its Board, where she served since 2012 and contributed significantly as Chair of the Remuneration and Nomination Committee and a member of the Audit and Risk Committee. Her departure marks a transition in leadership roles, with Stephen White stepping in as the new Chair of the Remuneration and Nomination Committee, potentially impacting the company’s governance and strategic direction.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 24, 2025