EML Payments Ltd. (EMCHF)
OTHER OTC:EMCHF
EMCHF Stock Chart & Stats
$0.56
$0.05(11.26%)
At close: 4:00 PM EST
$0.56
$0.05(11.26%)
Day’s Range― - ―
52-Week Range$0.34 - $0.80
Previous CloseN/A
Volume11.00K
Average Volume (3M)0.00
Market Cap
$146.19M
Enterprise Value$250.92M
Total Cash (Recent Filing)$47.81M
Total Debt (Recent Filing)$86.99M
Price to Earnings (P/E)―
Beta0.31
Next Earnings
Sep 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding388,522,920
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)3.03
Price to Sales (P/S)2.81
P/FCF Ratio41.16
Enterprise Value/Market Cap1.72
Enterprise Value/Revenue1.61
Enterprise Value/Gross Profit3.63
Enterprise Value/Ebitda-154.89
Forecast
1Y Price Target
$0.91Price Target Upside61.63% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)0.04
Revenue Forecast (FY)$151.61M
Bulls Say, Bears Say
Bulls Say
Large Sales Pipeline And ConversionA $102m pipeline with ~51% conversion provides durable revenue visibility and a clear feedstock for future program launches. High conversion implies sales effectiveness and shorter path-to-revenue, supporting recovery of volumes and fee income over the next 2–6 months as signed programs activate.
Manageable Leverage On The Balance SheetA debt-to-equity around 0.37 preserves financial flexibility to fund Project Arlo, cover one-off outflows, and absorb operational volatility. Manageable leverage reduces refinancing risk and supports funding of strategic investments without immediate dilution, improving medium-term resilience.
Platform Modernisation (Project Arlo) And Cost InitiativesCompleting Arlo modernises issuance and processing, expected to lower ICT spend and speed onboarding. Combined with GlobalOps cost savings, this structural tech/cost reset should improve margins, reduce per-program operational costs and enable scalable growth once migrations finish.
Bears Say
Revenue Contraction And Negative ProfitabilitySustained revenue declines and negative margins erode operating leverage and limit reinvestment capacity. Losses reduce retained earnings and constrain ability to fund growth internally, making recovery dependent on program activations and margin improvement from restructuring.
Severely Weak Free Cash Flow And Large One-off OutflowsA near‑total collapse in free cash flow plus material provisional settlements creates acute liquidity pressure. Weak cash conversion limits runway for investment and forces reliance on external funding or debt draws to meet obligations, jeopardising smooth execution of strategic projects.
Onboarding Delays Tightening GuidancePersistent onboarding lags delay revenue recognition and weaken the link between signed contracts and cashflows. Slower activation undermines near-term recovery, compresses expected benefits from the pipeline, and raises execution risk that cost savings and Arlo-led improvements will not materialise on schedule.
EML Payments News
EMCHF FAQ
What was EML Payments Ltd.’s price range in the past 12 months?
EML Payments Ltd. lowest stock price was $0.34 and its highest was $0.80 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is $146.19M.
When is EML Payments Ltd.’s upcoming earnings report date?
EML Payments Ltd.’s upcoming earnings report date is Sep 02, 2026 which is in 151 days.
How were EML Payments Ltd.’s earnings last quarter?
EML Payments Ltd. released its earnings results on Feb 24, 2026. The company reported -$0.007 earnings per share for the quarter, missing the consensus estimate of $0.014 by -$0.021.
Is EML Payments Ltd. overvalued?
According to Wall Street analysts EML Payments Ltd.’s price is currently Undervalued.
Does EML Payments Ltd. pay dividends?
EML Payments Ltd. does not currently pay dividends.
What is EML Payments Ltd.’s EPS estimate?
EML Payments Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EML Payments Ltd. have?
EML Payments Ltd. has 388,522,920 shares outstanding.
What happened to EML Payments Ltd.’s price movement after its last earnings report?
EML Payments Ltd. reported an EPS of -$0.007 in its last earnings report, missing expectations of $0.014. Following the earnings report the stock price went down -0.611%.
Which hedge fund is a major shareholder of EML Payments Ltd.?
Currently, no hedge funds are holding shares in EMCHF
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
EML Payments Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$0.91 (61.63% Upside)
$0.91 (61.63% Upside)
Blogger Sentiment
Bullish
EMCHF Sentiment 70%
Sector Average 65%
Sector Average 65%
Insider Transactions
Bought Shares
Worth AU$606.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.53%
12-Months-Change
Fundamentals
Return on Equity
-45.17%
Trailing 12-Months
Asset Growth
12.26%
Trailing 12-Months
Company Description
EML Payments Ltd.
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.
EMCHF Company Deck
EMCHF Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call balanced significant operational and strategic progress (pipeline growth, 51% conversion, Project Arlo build, GlobalOps cost savings and product reactivation) against near-term financial pressures (revenue down 6%, underlying EBITDA down 16%, interest income decline, Europe headwinds, and large one-off cash outflows including a provisional class action settlement). Management highlighted clear remediation actions, tightened guidance, and a path to cleaner statutory results next year. Given demonstrated execution on restructuring, improving commercial momentum, and credible technology timelines, offset by current profitability and cash headwinds, the tone is cautiously constructive but pragmatic.View all EMCHF earnings summariesEMCHF Stock 12 Month Forecast
Average Price Target
$0.91
▲(61.63% Upside)
Technical Analysis
Ownership Overview
1.27% Insiders
2.94% Mutual Funds
― Other Institutional Investors
93.89% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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