How does EPY's PE Ratio compare to its peers?

EPY is good value based on its Price-To-Earnings Ratio (20.5x) compared to the peer average (32.5x).

How does EPY's PE Ratio compare vs other companies in the Global Diversified Financial Industry?

EPY is expensive based on its Price-To-Earnings Ratio (20.5x) compared to the Global Diversified Financial industry average (15.7x).

What is EPY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

EPY is expensive based on its Price-To-Earnings Ratio (20.5x) compared to the estimated Fair Price-To-Earnings Ratio (19.7x).

What is the Fair Price of EPY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

EPY (A$0.19) is trading above our estimate of [[fair value]] (A$0.04)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Earlypay (ASX:EPY) - Stock Price, News & Analysis

EPY Stock Overview

Offers financial solutions to businesses in Australia. More details

EPY fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	3/6
Past Performance	2/6
Financial Health	2/6
Dividends	0/6

Rewards

Earnings are forecast to grow 39.13% per year

Became profitable this year

Risk Analysis

Interest payments are not well covered by earnings

Does not have a meaningful market cap (A$50M)

Earlypay Limited Competitors

Diverger

ASX:DVR

AU$49.5m

SelfWealth

ASX:SWF

AU$57.7m

NGE Capital

ASX:NGE

AU$40.5m

Prime Financial Group

ASX:PFG

AU$54.3m

Price History & Performance

Summary of all time highs, changes and price drops for Earlypay
Historical stock prices
Current Share Price	AU$0.18
52 Week High	AU$0.27
52 Week Low	AU$0.15
Beta	0.63
11 Month Change	4.23%
3 Month Change	2.78%
1 Year Change	-11.90%
33 Year Change	-59.34%
5 Year Change	-62.24%
Change since IPO	-11.90%

Recent updates

Shareholder Returns

	EPY	AU Diversified Financial	AU Market
7D	2.8%	0.4%	1.5%
1Y	-11.9%	12.6%	17.2%

Return vs Industry: EPY underperformed the Australian Diversified Financial industry which returned 12.6% over the past year.

Return vs Market: EPY underperformed the Australian Market which returned 17.2% over the past year.

Price Volatility

Is EPY's price volatile compared to industry and market?
EPY volatility
EPY Average Weekly Movement	6.1%
Diversified Financial Industry Average Movement	6.7%
Market Average Movement	8.6%
10% most volatile stocks in AU Market	17.3%
10% least volatile stocks in AU Market	3.4%

Stable Share Price: EPY has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: EPY's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2001	n/a	James Beeson	www.earlypay.com.au

Earlypay Limited offers financial solutions to businesses in Australia. The company offers invoice finance, such as debtor and trade finance; invoice factoring and discounting, and clean energy finance services, as well as business line of credit. It also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, private sales, and mid-term refinancing.

Earlypay Limited Fundamentals Summary

How do Earlypay's earnings and revenue compare to its market cap?
EPY fundamental statistics
Market cap	AU$50.31m
Earnings (TTM)	AU$2.45m
Revenue (TTM)	AU$54.56m

20.5x

P/E Ratio

0.9x

P/S Ratio

Is EPY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EPY income statement (TTM)
Revenue	AU$54.56m
Cost of Revenue	AU$13.93m
Gross Profit	AU$40.62m
Other Expenses	AU$38.17m
Earnings	AU$2.45m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.009
Gross Margin	74.46%
Net Profit Margin	4.49%
Debt/Equity Ratio	323.3%

How did EPY perform over the long term?

See historical performance and comparison

Dividends

0.8%

Current Dividend Yield

18%

Payout Ratio

EPY Stock Overview

Rewards

Risk Analysis

Earlypay Limited Competitors

ASX:DVR

AU$49.5m

ASX:SWF

AU$57.7m

ASX:NGE

AU$40.5m

ASX:PFG

AU$54.3m

Price History & Performance

Recent News & Updates

Earlypay Limited, Annual General Meeting, Nov 28, 2024

Price target increased by 7.4% to AU$0.29

Earlypay Limited to Report Fiscal Year 2024 Results on Aug 27, 2024

Insufficient new directors

New major risk - Revenue and earnings growth

Insider recently sold AU$389k worth of stock

Recent updates

Earlypay Limited, Annual General Meeting, Nov 28, 2024

Price target increased by 7.4% to AU$0.29

Earlypay Limited to Report Fiscal Year 2024 Results on Aug 27, 2024

Insufficient new directors

New major risk - Revenue and earnings growth

Insider recently sold AU$389k worth of stock

Earlypay Limited to Report First Half, 2024 Results on Feb 22, 2024

Now 21% undervalued

Now 21% undervalued

Now 21% undervalued

Earlypay Limited Reaffirms Earnings Guidance for the Fiscal Year 2024

Earlypay Limited (ASX:EPY) signed a binding agreement to acquire Selected Assets Of Timelio Pty Ltd for AUD 3 million.

New minor risk - Share price stability

Now 21% undervalued

Earlypay Limited, Annual General Meeting, Nov 22, 2023

Now 21% undervalued

Earlypay Limited to Report Fiscal Year 2023 Results on Aug 24, 2023

Earlypay Limited Announces Executive Changes

Consensus EPS estimates have been downgraded.

Price target decreased by 23% to AU$0.41

Less than half of directors are independent

Earlypay Limited Announces Resignation of Daniel Riley as Director

Earlypay Limited Announces Withdrawal of Earnings and Dividend Guidance for Year 2023

Earlypay Limited Appoints Mathew Watkins as Joint Company Secretary

Less than half of directors are independent

COO, CEO & Executive Director recently bought AU$111k worth of stock

Consensus EPS estimates fall by 16%

Price target decreased to AU$0.53

Less than half of directors are independent

Daniel Riley to Retire from the Role of Managing Director of Earlypay Limited

Earlypay Limited, Annual General Meeting, Nov 17, 2022

Earlypay Limited Announces Executive Changes

Upcoming dividend of AU$0.018 per share

Price target decreased to AU$0.59

Full year 2022 earnings: EPS and revenues miss analyst expectations

Earlypay Ltd Announces Ordinary Fully Franked Dividend for the Six Months Ended June 30, 2022, Payable on October 7, 2022

Earlypay Ltd to Report Fiscal Year 2022 Results on Aug 25, 2022

Less than half of directors are independent

Upcoming dividend of AU$0.014 per share

Earlypay Ltd Announces Interim Dividend for the Period Ended December 31, 2021, Payable on 7 April 2022 and Provides Dividend Guidance for the Full Year 2022

Consensus forecasts updated

Earlypay Ltd to Report First Half, 2022 Results on Feb 24, 2022

Earlypay Ltd Upgrades Earnings Guidance for the First Half of Fiscal 2022

Price target increased to AU$0.65

CEO, MD & Executive Director exercised options to buy AU$774k worth of stock.

Less than half of directors are independent

Full year 2021 earnings released: EPS AU$0.032 (vs AU$0.017 in FY 2020)

Independent Non-Executive Director recently sold AU$150k worth of stock

Consensus forecasts updated

Price target decreased to AU$0.57

Consensus forecasts updated

Earlypay Ltd announced that it expects to receive AUD 18.857095 million in funding

Upcoming Dividend of AU$0.01 Per Share

Analysts lower EPS estimates to AU$0.029

First half 2021 earnings released: EPS AU$0.013 (vs AU$0.006 in 1H 2020)

New 90-day high: AU$0.44

Price target raised to AU$0.57

Price target raised to AU$0.60

CML Group Limited Appoints Stephen White to the Board