EML Payments Limited provides prepaid payment services in Australia, Europe, and North America.
Flawless balance sheet with high growth potential.
Share Price & News
How has EML Payments's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EML's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: EML exceeded the Australian IT industry which returned 21.3% over the past year.
Return vs Market: EML exceeded the Australian Market which returned -10.3% over the past year.
Price Volatility Vs. Market
How volatile is EML Payments's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StShould You Take Comfort From Insider Transactions At EML Payments Limited (ASX:EML)?
2 months ago | Simply Wall StA Closer Look At EML Payments Limited's (ASX:EML) Uninspiring ROE
3 months ago | Simply Wall StIs There An Opportunity With EML Payments Limited's (ASX:EML) 25% Undervaluation?
Is EML Payments 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: EML (A$3.64) is trading above our estimate of fair value (A$3.3)
Significantly Below Fair Value: EML is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EML is poor value based on its PE Ratio (93.1x) compared to the IT industry average (22.7x).
PE vs Market: EML is poor value based on its PE Ratio (93.1x) compared to the Australian market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: EML is poor value based on its PEG Ratio (1.7x)
Price to Book Ratio
PB vs Industry: EML is overvalued based on its PB Ratio (3x) compared to the AU IT industry average (1.9x).
How is EML Payments forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EML's forecast earnings growth (54.2% per year) is above the savings rate (2.3%).
Earnings vs Market: EML's earnings (54.2% per year) are forecast to grow faster than the Australian market (15% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: EML's revenue (28.3% per year) is forecast to grow faster than the Australian market (4.3% per year).
High Growth Revenue: EML's revenue (28.3% per year) is forecast to grow faster 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 (8.9%).
How has EML Payments performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EML has a large one-off loss of A$3.8M impacting its December 31 2019 financial results.
Growing Profit Margin: EML's current net profit margins (9.3%) are higher than last year (3.4%).
Past Earnings Growth Analysis
Earnings Trend: EML has become profitable over the past 5 years, growing earnings by 51.9% per year.
Accelerating Growth: EML's earnings growth over the past year (271.7%) exceeds its 5-year average (51.9% per year).
Earnings vs Industry: EML earnings growth over the past year (271.7%) exceeded the IT industry -0.3%.
Return on Equity
High ROE: EML's Return on Equity (2.5%) is considered low.
How is EML Payments's financial position?
Financial Position Analysis
Short Term Liabilities: EML's short term assets (A$736.6M) exceed its short term liabilities (A$475.3M).
Long Term Liabilities: EML's short term assets (A$736.6M) exceed its long term liabilities (A$27.4M).
Debt to Equity History and Analysis
Debt Level: EML is debt free.
Reducing Debt: EML had no debt 5 years ago.
Debt Coverage: EML has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: EML has no debt, therefore coverage of interest payments is not a concern.
What is EML Payments's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate EML's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate EML's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if EML's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EML's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of EML's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Cregan (48yo)
Mr. Thomas Anthony Cregan, also known as Tom, has been the Chief Executive Officer of EML Payments Ltd (formerly, Emerchants Limited) since April 2, 2012 and has been its Managing Director since August 27, ...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD1.76M) is above average for companies of similar size in the Australian market ($USD1.01M).
Compensation vs Earnings: Tom's compensation has increased by more than 20% in the past year.
|Group CEO||8yrs||AU$2.65m||2.97% A$38.8m|
|Group Chief Financial Officer||1.42yrs||AU$570.86k||0.024% A$318.6k|
|Group Chief Commercial Officer||1.83yrs||AU$1.37m||0.097% A$1.3m|
|Group Chief Technology Officer||1.33yrs||no data||no data|
|Group General Counsel & Company Secretary||1.75yrs||no data||no data|
|Chief Sales & Marketing Officer||0.17yr||AU$236.00k||no data|
|Chief Corporate Development Officer||1.83yrs||AU$1.75m||no data|
|Group Chief People & Culture Officer||1.75yrs||AU$36.12k||no data|
|Group Chief Risk & Regulatory Officer||6.83yrs||AU$503.08k||no data|
|Chief Executive Officer of Australia||3.58yrs||AU$488.32k||no data|
Experienced Management: EML's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
|Group CEO||8yrs||AU$2.65m||2.97% A$38.8m|
|Independent Non-Executive Director||no data||no data||no data|
|Independent Non-Executive Director||8yrs||AU$111.26k||0.27% A$3.5m|
|Independent Non-Executive Director||8.42yrs||AU$111.76k||0.0069% A$91.0k|
|Independent Non-Executive Director||2.17yrs||AU$105.13k||0.0051% A$66.6k|
|Independent Non-Executive Chairman||5.17yrs||AU$164.25k||2.03% A$26.6m|
|Independent Non-Executive Director||2.17yrs||AU$99.00k||0.013% A$174.7k|
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: EML insiders have sold more shares than they have bought 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 43.7%.
EML Payments Limited's company bio, employee growth, exchange listings and data sources
- Name: EML Payments Limited
- Ticker: EML
- Exchange: ASX
- Founded: 2001
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: AU$1.309b
- Shares outstanding: 359.70m
- Website: https://emlpayments.com
Number of Employees
- EML Payments Limited
- 26 Commercial Road
- Level 2
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EML||ASX (Australian Securities Exchange)||Yes||Ordinary Shares||AU||AUD||Jan 2006|
|A8Y1||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Jan 2006|
|EMCH.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Jan 2006|
|EML||CHIA (Chi-X Australia)||Yes||Ordinary Shares||AU||AUD||Jan 2006|
EML Payments Limited provides prepaid payment services in Australia, Europe, and North America. The company issues mobile, virtual, and physical card solutions for payouts, gifts, incentives and rewards, and supplier payments. It also offers supplier enablement, payment execution, program management, and other services. The company was formerly known as Emerchants Limited and changed its name to EML Payments Limited in November 2016. EML Payments Limited was founded in 2001 and is headquartered in Newstead, Australia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/31 10:35|
|End of Day Share Price||2020/05/29 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.