Earlypay Ltd provides financial solutions SME businesses in Australia. More Details
Reasonable growth potential and fair value.
Share Price & News
How has Earlypay's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EPY is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: EPY's weekly volatility (8%) has been stable over the past year.
7 Day Return
AU Diversified Financial
1 Year Return
AU Diversified Financial
Return vs Industry: EPY underperformed the Australian Diversified Financial industry which returned 4.5% over the past year.
Return vs Market: EPY underperformed the Australian Market which returned 33.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Earlypay's share price compared to the market and industry in the last 5 years?
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Is Earlypay undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: EPY (A$0.43) is trading above our estimate of fair value (A$0.37)
Significantly Below Fair Value: EPY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EPY is good value based on its PE Ratio (17.9x) compared to the AU Diversified Financial industry average (18.2x).
PE vs Market: EPY is good value based on its PE Ratio (17.9x) compared to the Australian market (20.8x).
Price to Earnings Growth Ratio
PEG Ratio: EPY is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: EPY is overvalued based on its PB Ratio (1.8x) compared to the AU Diversified Financial industry average (1.2x).
How is Earlypay forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EPY's forecast earnings growth (29.6% per year) is above the savings rate (2%).
Earnings vs Market: EPY's earnings (29.6% per year) are forecast to grow faster than the Australian market (15.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: EPY's revenue (13.7% per year) is forecast to grow faster than the Australian market (5.7% per year).
High Growth Revenue: EPY's revenue (13.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: EPY's Return on Equity is forecast to be low in 3 years time (18.5%).
How has Earlypay performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EPY has high quality earnings.
Growing Profit Margin: EPY's current net profit margins (11.8%) are lower than last year (11.9%).
Past Earnings Growth Analysis
Earnings Trend: EPY has become profitable over the past 5 years, growing earnings by 29.5% per year.
Accelerating Growth: EPY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: EPY had negative earnings growth (-7.5%) over the past year, making it difficult to compare to the Diversified Financial industry average (-5.4%).
Return on Equity
High ROE: EPY's Return on Equity (9.4%) is considered low.
How is Earlypay's financial position?
Financial Position Analysis
Short Term Liabilities: EPY's short term assets (A$235.5M) exceed its short term liabilities (A$179.2M).
Long Term Liabilities: EPY's short term assets (A$235.5M) exceed its long term liabilities (A$114.3M).
Debt to Equity History and Analysis
Debt Level: EPY's debt to equity ratio (328.1%) is considered high.
Reducing Debt: EPY's debt to equity ratio has reduced from 358.3% to 328.1% over the past 5 years.
Debt Coverage: EPY's debt is not well covered by operating cash flow (1.8%).
Interest Coverage: EPY's interest payments on its debt are not well covered by EBIT (1.7x coverage).
What is Earlypay current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: EPY's dividend (4.71%) is higher than the bottom 25% of dividend payers in the Australian market (2%).
High Dividend: EPY's dividend (4.71%) is low compared to the top 25% of dividend payers in the Australian market (5.37%).
Stability and Growth of Payments
Stable Dividend: EPY's dividend payments have been volatile in the past 10 years.
Growing Dividend: EPY's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (116.1%), EPY's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: EPY's dividends in 3 years are forecast to be covered by earnings (52.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Daniel Riley, B.Comm, CPA, has been Managing Director and Chief Executive Officer of Earlypay Ltd (formerly known as CML Group Limited) since October 1, 2010 and has been its Executive Director. Mr. Ri...
CEO Compensation Analysis
Compensation vs Market: Daniel's total compensation ($USD484.98K) is above average for companies of similar size in the Australian market ($USD285.28K).
Compensation vs Earnings: Daniel's compensation has been consistent with company performance over the past year.
Experienced Board: EPY's board of directors are considered experienced (6.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: EPY insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 7.1%.
Earlypay Ltd's company bio, employee growth, exchange listings and data sources
- Name: Earlypay Ltd
- Ticker: EPY
- Exchange: ASX
- Founded: 2001
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: AU$99.003m
- Shares outstanding: 232.95m
- Website: https://www.earlypay.com.au
Number of Employees
- Earlypay Ltd
- 201 Miller Street
- Level 11
- North Sydney
- New South Wales
Earlypay Ltd provides financial solutions SME businesses in Australia. The company operates through Invoice Finance, Equipment Finance, and Other Services segments. It offers invoice factoring and discount...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/14 08:23|
|End of Day Share Price||2021/04/14 00:00|
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 here.