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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$0.40 - $0.80
Previous CloseN/A
Volume11.00K
Average Volume (3M)0.00
Market Cap
$170.82M
Enterprise Value$274.17M
Total Cash (Recent Filing)$47.81M
Total Debt (Recent Filing)$86.99M
Price to Earnings (P/E)―
Beta0.25
Next Earnings
Sep 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding388,419,600
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 Cap1.61
Enterprise Value/Revenue1.76
Enterprise Value/Gross Profit3.97
Enterprise Value/Ebitda-169.24
Forecast
1Y Price Target
$1.12Price Target Upside99.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.04
Revenue Forecast (FY)$156.56M
Bulls Say, Bears Say
Bulls Say
Pipeline & Sales ConversionA sizable, growing sales pipeline with a strong 51% conversion rate and nearly $24m secured revenue indicates durable demand for EML's program-management model. High conversion and tangible launched revenue imply future recurring program fees and transaction volumes that support medium-term revenue recovery and scale.
Technology Rebuild (Project Arlo)A platform re‑build (Project Arlo) that centralizes issuance and migrations is a structural improvement: once complete it should lower operating complexity, reduce ICT spend materially and enable faster client onboarding and product launches, improving long‑run margins and scalability of the payments platform.
Manageable Leverage & Improving Cash ConversionModerate leverage combined with demonstrated high EBITDA-to-cash conversion (79% underlying) provides financial flexibility. Manageable debt levels reduce refinancing risk and strong cash conversion (ex one-offs) supports reinvestment into product and client activation, aiding sustainable recovery over the next several quarters.
Bears Say
Revenue Contraction & Negative ProfitabilitySustained top-line decline and persistent negative margins undermine operating leverage and ability to self-fund growth. A shrinking revenue base reduces scale benefits in payments processing and interchange, weakens negotiating leverage with partners, and prolongs the path to durable profitability absent clear, consistent revenue recovery.
Large One-off Cash Outflows And Liquidity PressureSignificant one‑off cash drains and related repayments materially reduce liquidity and require additional financing or drawdowns. This weakens the balance sheet and constrains investment in sales, product and migration work, raising refinancing and execution risks across the medium term and limiting runway for strategic initiatives.
Onboarding Lags & Operational Execution RiskPersistent onboarding and activation delays slow monetization of signed contracts and defer expected program revenue. Execution gaps increase client churn and raise costs to realize contract value, making revenue recovery lumpy and exposing forecasts to operational risk during Arlo migration and partner integrations.
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 $0.40 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 $170.82M.
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 181 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 388,419,600 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
Underperform
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$1.12 (99.50% Upside)
$1.12 (99.50% Upside)
Blogger Sentiment
Bullish
EMCHF Sentiment 70%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.53%
12-Months-Change
Fundamentals
Return on Equity
-32.98%
Trailing 12-Months
Asset Growth
5.97%
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
$1.12
▲(99.50% Upside)
Technical Analysis
Ownership Overview
1.01%
Insiders
2.93% Mutual Funds
― Other Institutional Investors
94.18% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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