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EML Payments Ltd. (EMCHF)
:EMCHF
US Market
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EML Payments (EMCHF) Ratios

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EML Payments Ratios

EMCHF's free cash flow for Q4 2025 was AU$-0.06. For the 2025 fiscal year, EMCHF's free cash flow was decreased by AU$ and operating cash flow was AU$-0.42. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.80 0.80 0.89 0.88 0.89
Quick Ratio
0.80 0.80 0.89 0.88 0.89
Cash Ratio
0.02 0.02 0.03 0.04 0.08
Solvency Ratio
-0.01 >-0.01 -0.09 0.01 <0.01
Operating Cash Flow Ratio
0.04 <0.01 0.14 0.13 0.03
Short-Term Operating Cash Flow Coverage
4.74 0.16 17.05 146.17 33.83
Net Current Asset Value
AU$ -543.99MAU$ -492.33MAU$ -406.76MAU$ -390.20MAU$ -270.37M
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.04 0.03 0.03 0.02
Debt-to-Equity Ratio
0.37 0.57 0.56 0.21 0.11
Debt-to-Capital Ratio
0.27 0.36 0.36 0.17 0.10
Long-Term Debt-to-Capital Ratio
0.16 0.00 0.28 0.16 0.08
Financial Leverage Ratio
18.32 15.62 17.16 6.14 5.52
Debt Service Coverage Ratio
0.02 0.22 0.34 3.06 5.84
Interest Coverage Ratio
0.00 -10.71 -3.39 0.84 1.70
Debt to Market Cap
0.13 0.24 0.39 0.18 0.03
Interest Debt Per Share
0.14 0.26 0.29 0.27 0.14
Net Debt to EBITDA
-0.45 1.46 1.90 0.47 -2.63
Profitability Margins
Gross Profit Margin
65.10%69.30%51.20%55.05%51.33%
EBIT Margin
-2.35%4.56%-109.33%3.27%-11.18%
EBITDA Margin
7.30%19.40%5.61%16.15%18.99%
Operating Profit Margin
7.04%-33.24%-13.25%3.27%3.49%
Pretax Profit Margin
-26.54%1.45%-110.74%-0.15%-12.10%
Net Profit Margin
-33.67%-15.81%-111.95%-2.06%-14.91%
Continuous Operations Profit Margin
-33.53%-5.74%-102.32%-2.06%-14.91%
Net Income Per EBT
126.89%-1088.13%101.09%1412.06%123.26%
EBT Per EBIT
-376.80%-4.37%836.05%-4.47%-347.11%
Return on Assets (ROA)
-1.98%-1.07%-9.51%-0.18%-1.25%
Return on Equity (ROE)
-32.72%-16.65%-163.17%-1.10%-6.92%
Return on Capital Employed (ROCE)
5.93%-29.81%-11.84%1.31%1.35%
Return on Invested Capital (ROIC)
6.66%80.12%50.81%46.41%4.43%
Return on Tangible Assets
-2.07%-1.14%-10.54%-0.25%-1.69%
Earnings Yield
-13.36%-7.44%-121.89%-1.05%-2.29%
Efficiency Ratios
Receivables Turnover
4.14 3.26 4.04 4.06 5.03
Payables Turnover
1.67 1.65 2.23 2.29 2.51
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
25.93 20.49 24.07 18.28 17.11
Asset Turnover
0.06 0.07 0.08 0.09 0.08
Working Capital Turnover Ratio
-0.34 -0.44 -0.94 -1.07 -0.71
Cash Conversion Cycle
-130.12 -109.98 -73.23 -69.70 -72.78
Days of Sales Outstanding
88.20 111.86 90.28 89.89 72.54
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
218.33 221.85 163.51 159.59 145.31
Operating Cycle
88.20 111.86 90.28 89.89 72.54
Cash Flow Ratios
Operating Cash Flow Per Share
0.27 0.04 1.05 0.71 0.13
Free Cash Flow Per Share
0.27 0.01 1.02 0.67 0.09
CapEx Per Share
<0.01 <0.01 0.03 0.04 0.04
Free Cash Flow to Operating Cash Flow
1.00 0.34 0.97 0.95 0.73
Dividend Paid and CapEx Coverage Ratio
282.06 10.32 33.36 18.70 3.71
Capital Expenditure Coverage Ratio
282.06 10.32 33.36 18.70 3.71
Operating Cash Flow Coverage Ratio
1.92 0.16 3.98 2.88 1.04
Operating Cash Flow to Sales Ratio
0.66 0.08 1.54 1.13 0.24
Free Cash Flow Yield
26.01%1.36%162.63%54.55%2.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-7.54 -13.44 -0.82 -94.98 -43.72
Price-to-Sales (P/S) Ratio
2.54 2.12 0.92 1.96 6.52
Price-to-Book (P/B) Ratio
2.74 2.24 1.34 1.04 3.02
Price-to-Free Cash Flow (P/FCF) Ratio
3.87 73.49 0.61 1.83 36.64
Price-to-Operating Cash Flow Ratio
3.85 25.29 0.60 1.74 26.77
Price-to-Earnings Growth (PEG) Ratio
0.02 0.15 >-0.01 1.13 -0.14
Price-to-Fair Value
2.74 2.24 1.34 1.04 3.02
Enterprise Value Multiple
34.40 12.42 18.28 12.62 31.70
Enterprise Value
393.45M 403.48M 260.81M 473.71M 1.16B
EV to EBITDA
34.13 12.42 18.28 12.62 31.70
EV to Sales
2.49 2.41 1.03 2.04 6.02
EV to Free Cash Flow
3.79 83.31 0.69 1.90 33.83
EV to Operating Cash Flow
3.78 28.67 0.67 1.80 24.72
Tangible Book Value Per Share
0.09 -0.01 -0.32 -0.87 -0.47
Shareholders’ Equity Per Share
0.38 0.42 0.47 1.18 1.15
Tax and Other Ratios
Effective Tax Rate
-0.26 4.95 -0.01 -13.12 -0.23
Revenue Per Share
0.41 0.45 0.68 0.63 0.53
Net Income Per Share
-0.14 -0.07 -0.76 -0.01 -0.08
Tax Burden
1.27 -10.88 1.01 14.12 1.23
Interest Burden
11.32 0.32 1.01 -0.04 1.08
Research & Development to Revenue
0.00 0.00 >-0.01 >-0.01 >-0.01
SG&A to Revenue
0.06 0.52 0.05 0.04 0.02
Stock-Based Compensation to Revenue
<0.01 0.00 <0.01 0.01 0.03
Income Quality
-1.96 -0.53 -1.38 -54.74 -1.63
Currency in AUD
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