EML Payments Future Growth

Future criteria checks 2/6

EML Payments is forecast to grow earnings and revenue by 16.2% and 0.1% per annum respectively. EPS is expected to grow by 16.6% per annum. Return on equity is forecast to be 10.7% in 3 years.

Key information

16.2%

Earnings growth rate

16.6%

EPS growth rate

Diversified Financial earnings growth	5.8%
Revenue growth rate	0.1%
Future return on equity	10.7%
Analyst coverage	Low
Last updated	13 Mar 2025

Recent future growth updates

EML Payments Limited (ASX:EML) Just Reported Earnings, And Analysts Cut Their Target Price

Aug 29

EML Payments Limited (ASX:EML) Half-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year

Feb 29

Recent updates

EML Payments Limited (ASX:EML) Just Reported Earnings, And Analysts Cut Their Target Price

Aug 29

EML Payments Limited (ASX:EML) Half-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year

Feb 29

Is There An Opportunity With EML Payments Limited's (ASX:EML) 43% Undervaluation?

Aug 24

EML Payments Limited Reported A Surprise Loss, And Analysts Have Updated Their Forecasts

Feb 18

What Kind Of Investors Own Most Of EML Payments Limited (ASX:EML)?

Jan 30

Did EML Payments Limited (ASX:EML) Insiders Sell Shares?

Jan 12

Earnings and Revenue Growth Forecasts

ASX:EML - Analysts future estimates and past financials data (AUD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
6/30/2027	240	30	40	50	4
6/30/2026	228	27	24	43	4
6/30/2025	222	25	14	38	4
12/31/2024	233	5	-4	4	N/A
9/30/2024	225	-3	1	9	N/A
6/30/2024	217	-10	5	14	N/A
12/31/2023	167	-135	0	10	N/A
9/30/2023	176	-198	-7	4	N/A
6/30/2023	184	-260	-14	-2	N/A
3/31/2023	245	-204	-14	-1	N/A
12/31/2022	235	-123	-14	0	N/A
9/30/2022	234	-64	-35	-21	N/A
6/30/2022	232	-5	-56	-42	N/A
3/31/2022	222	3	N/A	N/A	N/A
12/31/2021	211	11	-39	-25	N/A
9/30/2021	202	-9	-2	12	N/A
6/30/2021	192	-29	36	49	N/A
3/31/2021	174	-46	N/A	N/A	N/A
12/31/2020	156	-63	38	49	N/A
9/30/2020	139	-35	25	35	N/A
6/30/2020	121	-7	11	22	N/A
3/31/2020	115	2	11	21	N/A
12/31/2019	109	10	10	20	N/A
9/30/2019	103	9	17	25	N/A
6/30/2019	97	8	23	29	N/A
3/31/2019	89	6	22	28	N/A
12/31/2018	80	3	21	27	N/A
9/30/2018	75	2	N/A	17	N/A
6/30/2018	71	2	N/A	6	N/A
3/31/2018	67	1	N/A	6	N/A
12/31/2017	64	1	N/A	6	N/A
9/30/2017	61	0	N/A	13	N/A
6/30/2017	58	0	N/A	19	N/A
3/31/2017	52	0	N/A	15	N/A
12/31/2016	45	1	N/A	11	N/A
9/30/2016	34	0	N/A	7	N/A
6/30/2016	23	0	N/A	2	N/A
3/31/2016	22	2	N/A	2	N/A
12/31/2015	20	4	N/A	1	N/A
9/30/2015	17	3	N/A	1	N/A
6/30/2015	14	3	N/A	0	N/A
3/31/2015	11	0	N/A	-2	N/A
12/31/2014	8	-4	N/A	-3	N/A
9/30/2014	7	-5	N/A	-3	N/A
6/30/2014	5	-5	N/A	-3	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: EML's forecast earnings growth (16.2% per year) is above the savings rate (2.7%).

Earnings vs Market: EML's earnings (16.2% per year) are forecast to grow faster than the Australian market (12.2% per year).

High Growth Earnings: EML's earnings are forecast to grow, but not significantly.

Revenue vs Market: EML's revenue (0.1% per year) is forecast to grow slower than the Australian market (6.2% per year).

High Growth Revenue: EML's revenue (0.1% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: EML's Return on Equity is forecast to be low in 3 years time (10.7%).

Discover growth companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/04 04:57
End of Day Share Price	2025/05/02 00:00
Earnings	2024/12/31
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

EML Payments Limited is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Owen Humphries	Canaccord Genuity
Edmund Anthony Henning	CLSA
Katherine Thompson	Edison Investment Research

EML Payments Future Growth

Future criteria checks 2/6

Key information

Recent future growth updates

Price target increased by 9.5% to AU$1.15

EML Payments Limited (ASX:EML) Just Reported Earnings, And Analysts Cut Their Target Price

Price target increased by 12% to AU$1.16

Forecast breakeven date pushed back to 2025

EML Payments Limited (ASX:EML) Half-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year

Forecast breakeven date pushed back to 2025

Recent updates

Executive Chairman recently bought AU$2.9m worth of stock

First half 2025 earnings released: EPS: AU$0.025 (vs AU$0.013 loss in 1H 2024)

Jeremy Raper Says EML Payments 'Should Be Sold'

Jeremy Raper Call to Sell EML Payments

New minor risk - Share price stability

Price target increased by 9.5% to AU$1.15

Independent Chairman recently bought AU$518k worth of stock

EML Payments Limited, Annual General Meeting, Nov 26, 2024

GoCardless Ltd. completed the acquisition of Sentenial Ltd from EML Payments Limited (ASX:EML) for an enterprise value of €32.8 million.

EML Payments Limited (ASX:EML) Just Reported Earnings, And Analysts Cut Their Target Price

Full year 2024 earnings released: AU$0.026 loss per share (vs AU$0.76 loss in FY 2023)

EML Payments Limited Announces Board Changes

EML Payments Limited to Report Fiscal Year 2024 Results on Aug 28, 2024

High number of new and inexperienced directors

Price target increased by 12% to AU$1.16

GoCardless Ltd. has signed an agreement to acquire Sentenial Ltd from EML Payments Limited (ASX:EML) for €32.8 million.

Now 26% overvalued after recent price rise

First half 2024 earnings released: AU$0.033 loss per share (vs AU$0.35 loss in 1H 2023)

Forecast breakeven date pushed back to 2025

EML Payments Limited (ASX:EML) Half-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year

Forecast breakeven date pushed back to 2025

New minor risk - Share price stability

Price target increased by 13% to AU$1.07

EML Payments Limited, Annual General Meeting, Nov 29, 2023

Forecast to breakeven in 2024

EML Payments Limited Appoints Mr. Peter Lang as Chief Corporate Development Officer, Effective on September 1, 2023

EML Payments Limited Announces CFO Changes, Effective on September 1, 2023

EML Payments Limited to Report Fiscal Year 2023 Results on Aug 29, 2023

New minor risk - Profitability

No longer forecast to breakeven

Consensus EPS estimates fall by 64%

Price target decreased by 18% to AU$0.82

Less than half of directors are independent

First half 2023 earnings released: AU$0.35 loss per share (vs AU$0.033 loss in 1H 2022)

Consensus EPS estimates upgraded to AU$0.0093 loss

EML Payments Limited Announces Board Resignations

EML Payments Limited to Report First Half, 2023 Results on Feb 22, 2023

EML Payments Limited Announces Executive Changes, Effective 16 April 2023

Price target decreased to AU$1.07

Consensus forecasts updated

EML Payments Limited Appoints Manoj Kheerbat as an Independent Non-Executive Director, Effective 5 December 2022

EML Payments Limited Elects Brent Cubis as Director

Price target decreased to AU$1.24

Is There An Opportunity With EML Payments Limited's (ASX:EML) 43% Undervaluation?

Price target decreased to AU$1.61

EML Payments Limited (ASX:EML) announces an Equity Buyback for AUD 20 million worth of its shares.

Investor sentiment improved over the past week

Consensus forecasts updated

Price target decreased to AU$2.04

EML Payments Limited to Report Fiscal Year 2022 Results on Aug 22, 2022

Investor sentiment improved over the past week

Price target decreased to AU$2.36

EML Payments Limited Announces Managing Director Changes

Investor sentiment deteriorated over the past week

These 4 Measures Indicate That EML Payments (ASX:EML) Is Using Debt Extensively

EML Commissioned Research Finds 1 in 4 U.K. Merchants Predict Open Banking Payments Will Become the Most Popular Payment Method in the Next 5 Years

Consensus EPS estimates fall by 42%

Investor sentiment deteriorated over the past week

When Should You Buy EML Payments Limited (ASX:EML)?

Price target decreased to AU$3.30

Consensus forecasts updated

Independent Non-Executive Chairman recently sold AU$548k worth of stock

EML Payments (ASX:EML) Use Of Debt Could Be Considered Risky

Consensus forecasts updated

EML Payments Limited Launches Radically Simple Digital Payout Platform Seamless

First half 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

EML Payments to Launch A Cryptocurrency-to-GBP Debit Mastercard

EML Payments Limited Reaffirms Earnings Guidance for the Fiscal Year 2022

EML Payments Limited to Report First Half, 2022 Results on Feb 16, 2022