EML Payments Limited (ASX:EML)

EML Payments Statistics

Total Valuation

EML Payments has a market cap or net worth of AUD 394.10 million. The enterprise value is 388.86 million.

Market Cap	394.10M
Enterprise Value	388.86M

Important Dates

The last earnings date was Thursday, August 21, 2025.

Earnings Date	Aug 21, 2025
Ex-Dividend Date	n/a

Share Statistics

EML Payments has 382.62 million shares outstanding. The number of shares has increased by 1.48% in one year.

Current Share Class	382.62M
Shares Outstanding	382.62M
Shares Change (YoY)	+1.48%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	1.76%
Owned by Institutions (%)	26.98%
Float	308.02M

Valuation Ratios

PE Ratio	n/a
Forward PE	15.45
PS Ratio	1.73
PB Ratio	2.69
P/TBV Ratio	11.98
P/FCF Ratio	24.06
P/OCF Ratio	23.53
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 44.34, with an EV/FCF ratio of 23.74.

EV / Earnings	-7.28
EV / Sales	1.71
EV / EBITDA	44.34
EV / EBIT	n/a
EV / FCF	23.74

Financial Position

The company has a current ratio of 0.80, with a Debt / Equity ratio of 0.37.

Current Ratio	0.80
Quick Ratio	0.05
Debt / Equity	0.37
Debt / EBITDA	6.17
Debt / FCF	3.30
Interest Coverage	0.19

Financial Efficiency

Return on equity (ROE) is -34.67% and return on invested capital (ROIC) is 0.30%.

Return on Equity (ROE)	-34.67%
Return on Assets (ROA)	0.03%
Return on Invested Capital (ROIC)	0.30%
Return on Capital Employed (ROCE)	0.57%
Revenue Per Employee	496,563
Profits Per Employee	-116,566
Employee Count	458
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, EML Payments has paid 11.04 million in taxes.

Income Tax	11.04M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +45.21% in the last 52 weeks. The beta is 1.03, so EML Payments's price volatility has been similar to the market average.

Beta (5Y)	1.03
52-Week Price Change	+45.21%
50-Day Moving Average	1.09
200-Day Moving Average	0.97
Relative Strength Index (RSI)	47.59
Average Volume (20 Days)	1,672,565

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, EML Payments had revenue of AUD 227.43 million and -53.39 million in losses. Loss per share was -0.14.

Revenue	227.43M
Gross Profit	208.87M
Operating Income	1.06M
Pretax Income	-41.91M
Net Income	-53.39M
EBITDA	7.25M
EBIT	1.06M
Loss Per Share	-0.14

Balance Sheet

The company has 59.32 million in cash and 54.08 million in debt, giving a net cash position of 5.24 million or 0.01 per share.

Cash & Cash Equivalents	59.32M
Total Debt	54.08M
Net Cash	5.24M
Net Cash Per Share	0.01
Equity (Book Value)	146.44M
Book Value Per Share	0.38
Working Capital	-502.73M

Cash Flow

In the last 12 months, operating cash flow was 16.75 million and capital expenditures -369,000, giving a free cash flow of 16.38 million.

Operating Cash Flow	16.75M
Capital Expenditures	-369,000
Free Cash Flow	16.38M
FCF Per Share	0.04

Margins

Gross margin is 91.84%, with operating and profit margins of 0.47% and -23.47%.

Gross Margin	91.84%
Operating Margin	0.47%
Pretax Margin	-18.43%
Profit Margin	-23.47%
EBITDA Margin	3.19%
EBIT Margin	0.47%
FCF Margin	7.20%

Dividends & Yields

EML Payments does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-1.48%
Shareholder Yield	n/a
Earnings Yield	-13.55%
FCF Yield	4.16%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on July 1, 2011. It was a reverse split with a ratio of 0.2.

Last Split Date	Jul 1, 2011
Split Type	Reverse
Split Ratio	0.2

Scores

EML Payments has an Altman Z-Score of -0.28 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.28
Piotroski F-Score	5