EML Payments Limited (FRA:A8Y1)

EML Payments Statistics

Total Valuation

EML Payments has a market cap or net worth of EUR 200.34 million. The enterprise value is 197.34 million.

Market Cap	200.34M
Enterprise Value	197.34M

Important Dates

The next estimated earnings date is Thursday, February 19, 2026.

Earnings Date	Feb 19, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	387.73M
Shares Outstanding	n/a
Shares Change (YoY)	+1.48%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	1.74%
Owned by Institutions (%)	32.86%
Float	287.16M

Valuation Ratios

PE Ratio	n/a
Forward PE	13.83
PS Ratio	1.58
PB Ratio	2.45
P/TBV Ratio	10.91
P/FCF Ratio	21.91
P/OCF Ratio	21.43
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 39.19, with an EV/FCF ratio of 21.58.

EV / Earnings	-6.62
EV / Sales	1.51
EV / EBITDA	39.19
EV / EBIT	n/a
EV / FCF	21.58

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	277,207
Profits Per Employee	-65,073
Employee Count	458
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, EML Payments has paid 6.16 million in taxes.

Income Tax	6.16M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +4.17% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+4.17%
50-Day Moving Average	0.48
200-Day Moving Average	0.54
Relative Strength Index (RSI)	60.82
Average Volume (20 Days)	392

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 EUR 126.96 million and -29.80 million in losses. Loss per share was -0.08.

Revenue	126.96M
Gross Profit	116.60M
Operating Income	593,979
Pretax Income	-23.40M
Net Income	-29.80M
EBITDA	4.05M
EBIT	593,979
Loss Per Share	-0.08

Balance Sheet

The company has 33.11 million in cash and 30.19 million in debt, with a net cash position of 2.92 million.

Cash & Cash Equivalents	33.11M
Total Debt	30.19M
Net Cash	2.92M
Net Cash Per Share	n/a
Equity (Book Value)	81.75M
Book Value Per Share	0.21
Working Capital	-280.65M

Cash Flow

In the last 12 months, operating cash flow was 9.35 million and capital expenditures -205,995, giving a free cash flow of 9.14 million.

Operating Cash Flow	9.35M
Capital Expenditures	-205,995
Free Cash Flow	9.14M
FCF Per Share	n/a

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	-1.48%
Earnings Yield	-14.88%
FCF Yield	4.56%

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 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.28
Piotroski F-Score	6