EML Payments Limited provides payment card technology solutions in Australia, Europe, and North America.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$3.16|
|52 Week High||AU$2.47|
|52 Week Low||AU$5.89|
|1 Month Change||-16.84%|
|3 Month Change||-17.49%|
|1 Year Change||-10.23%|
|3 Year Change||97.50%|
|5 Year Change||70.81%|
|Change since IPO||174.78%|
Recent News & Updates
Is EML Payments Limited (ASX:EML) Potentially Undervalued?
EML Payments Limited ( ASX:EML ), might not be a large cap stock, but it received a lot of attention from a substantial...
A Look At The Fair Value Of EML Payments Limited (ASX:EML)
How far off is EML Payments Limited ( ASX:EML ) from its intrinsic value? Using the most recent financial data, we'll...
|EML||AU IT||AU Market|
Return vs Industry: EML underperformed the Australian IT industry which returned 9% over the past year.
Return vs Market: EML underperformed the Australian Market which returned 20.2% over the past year.
Stable Share Price: EML is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: EML's weekly volatility (7%) has been stable over the past year.
About the Company
EML Payments Limited provides payment card technology solutions in Australia, Europe, and North America. It operates in three segments: General Purpose Reloadable, Gift & Incentive, and Virtual Account Numbers. The company offers white label gaming cards, salary packaging cards, and commission payouts solutions, as well as coalition marketing platform.
EML Payments Fundamentals Summary
|EML fundamental statistics|
Is EML overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|EML income statement (TTM)|
|Cost of Revenue||AU$63.80m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.077|
|Net Profit Margin||-14.93%|
How did EML perform over the long term?See historical performance and comparison
Is EML Payments undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: EML (A$3.16) is trading above our estimate of fair value (A$2.34)
Significantly Below Fair Value: EML is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EML is unprofitable, so we can't compare its PE Ratio to the Australian IT industry average.
PE vs Market: EML is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EML's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EML is good value based on its PB Ratio (2.8x) compared to the AU IT industry average (3.4x).
How is EML Payments forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
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 (1.9%).
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's is expected to become profitable in the next 3 years.
Revenue vs Market: EML's revenue (14.2% per year) is forecast to grow faster than the Australian market (5.4% per year).
High Growth Revenue: EML's revenue (14.2% 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 (12.8%).
How has EML Payments performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EML is currently unprofitable.
Growing Profit Margin: EML is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: EML is unprofitable, and losses have increased over the past 5 years at a rate of 62.8% per year.
Accelerating Growth: Unable to compare EML's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EML is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (-11.2%).
Return on Equity
High ROE: EML has a negative Return on Equity (-6.92%), as it is currently unprofitable.
How is EML Payments's financial position?
Financial Position Analysis
Short Term Liabilities: EML's short term assets (A$1.6B) do not cover its short term liabilities (A$1.8B).
Long Term Liabilities: EML's short term assets (A$1.6B) exceed its long term liabilities (A$81.1M).
Debt to Equity History and Analysis
Debt Level: EML's debt to equity ratio (9.2%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if EML's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable EML has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: EML is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 40% per year.
What is EML Payments's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate EML's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate EML's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if EML's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EML's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of EML's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Cregan (50 yo)
Mr. Thomas Anthony Cregan, also known as Tom, has been the Chief Executive Officer of EML Payments Ltd (formerly, Emerchants Limited) since April 2, 2012 and has been its Managing Director since August 27,...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD1.06M) is about average for companies of similar size in the Australian market ($USD997.89K).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Experienced Management: EML's management team is considered experienced (3.3 years average tenure).
Experienced Board: EML's board of directors are considered experienced (5.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if 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 3.2%.
EML Payments Limited's employee growth, exchange listings and data sources
- Name: EML Payments Limited
- Ticker: EML
- Exchange: ASX
- Founded: 2003
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: AU$1.179b
- Shares outstanding: 373.22m
- Website: https://emlpayments.com
Number of Employees
- EML Payments Limited
- 333 Ann Street
- Level 12
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/16 07:02|
|End of Day Share Price||2021/10/15 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.