EML Payments Future Growth

Future criteria checks 3/6

EML Payments is forecast to grow earnings and revenue by 36.4% and 1.7% per annum respectively. EPS is expected to grow by 36.5% per annum. Return on equity is forecast to be 13.1% in 3 years.

Key information

36.4%

Earnings growth rate

36.5%

EPS growth rate

Diversified Financial earnings growth	7.7%
Revenue growth rate	1.7%
Future return on equity	13.1%
Analyst coverage	Low
Last updated	30 Sep 2024

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

Here's What We Learned About The CEO Pay At EML Payments Limited (ASX:EML)

Dec 25

Is EML Payments (ASX:EML) A Risky Investment?

Dec 10

The EML Payments (ASX:EML) Share Price Has Soared 315%, Delighting Many Shareholders

Nov 24

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	231	29	58	65	3
6/30/2026	222	25	50	57	4
6/30/2025	217	21	64	70	4
6/30/2024	217	-10	5	14	N/A
12/31/2023	289	-167	-1	9	N/A
9/30/2023	271	-226	-8	3	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	11	17	N/A
6/30/2018	71	2	1	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
3/31/2014	5	-5	N/A	-3	N/A
12/31/2013	5	-4	N/A	-3	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: EML is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.6%).

Earnings vs Market: EML is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: EML is expected to become profitable in the next 3 years.

Revenue vs Market: EML's revenue (1.7% per year) is forecast to grow slower than the Australian market (5.7% per year).

High Growth Revenue: EML's revenue (1.7% 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 (13.1%).

EML Payments Future Growth

Future criteria checks 3/6

Key information

Recent future growth updates

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

Price target increased by 13% to AU$1.07

Recent updates

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

Is EML Payments Limited (ASX:EML) Potentially Undervalued?

A Look At The Fair Value Of EML Payments Limited (ASX:EML)

Full year 2021 earnings released: AU$0.08 loss per share (vs AU$0.019 loss in FY 2020)

EML Payments Limited Updates Earnings Guidance for the Year 2022

Independent Non-Executive Director George Gresham has left the company

Independent Non-Executive Director Kirstin Ferguson has left the company