EML Payments (EML) Stock Overview
Provides payment solutions platform in Australia, Europe, and North America. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 3/6 |
| Past Performance | 0/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for EML from our risk checks.
EML Community Fair Values
Create NarrativeSee what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.
EML Payments Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$0.97 |
| 52 Week High | AU$1.20 |
| 52 Week Low | AU$0.63 |
| Beta | 0.96 |
| 1 Month Change | 1.57% |
| 3 Month Change | -14.16% |
| 1 Year Change | 49.23% |
| 3 Year Change | 83.02% |
| 5 Year Change | -67.45% |
| Change since IPO | -15.65% |
Recent News & Updates
Recent updates
Project Arlo And Global Model Will Streamline Operations
EML's move to a global operating model and Project Arlo aims to boost efficiency, reduce costs, and improve net margins by enhancing synergy and digitization.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 29Is There An Opportunity With EML Payments Limited's (ASX:EML) 43% Undervaluation?
Aug 24These 4 Measures Indicate That EML Payments (ASX:EML) Is Using Debt Extensively
Jun 20When Should You Buy EML Payments Limited (ASX:EML)?
Apr 27EML Payments (ASX:EML) Use Of Debt Could Be Considered Risky
Mar 17Is EML Payments Limited (ASX:EML) Potentially Undervalued?
Oct 08A Look At The Fair Value Of EML Payments Limited (ASX:EML)
Aug 23Is EML Payments (ASX:EML) A Risky Investment?
May 15Should You Think About Buying EML Payments Limited (ASX:EML) Now?
Mar 07EML Payments Limited Reported A Surprise Loss, And Analysts Have Updated Their Forecasts
Feb 18
Shareholder Returns
| EML | AU Diversified Financial | AU Market | |
|---|---|---|---|
| 7D | -1.5% | 0.4% | 0.3% |
| 1Y | 49.2% | 21.1% | 10.3% |
Return vs Industry: EML exceeded the Australian Diversified Financial industry which returned 21.1% over the past year.
Return vs Market: EML exceeded the Australian Market which returned 10.3% over the past year.
Price Volatility
| EML volatility | |
|---|---|
| EML Average Weekly Movement | 4.4% |
| Diversified Financial Industry Average Movement | 5.6% |
| Market Average Movement | 9.5% |
| 10% most volatile stocks in AU Market | 20.1% |
| 10% least volatile stocks in AU Market | 3.5% |
Stable Share Price: EML has not had significant price volatility in the past 3 months compared to the Australian market.
Volatility Over Time: EML's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | 458 | n/a | emlpayments.com |
EML Payments Limited provides payment solutions platform in Australia, Europe, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions.
EML Payments Limited Fundamentals Summary
| EML fundamental statistics | |
|---|---|
| Market cap | AU$375.85m |
| Earnings (TTM) | -AU$52.95m |
| Revenue (TTM) | AU$227.43m |
Is EML overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EML income statement (TTM) | |
|---|---|
| Revenue | AU$227.43m |
| Cost of Revenue | AU$18.55m |
| Gross Profit | AU$208.87m |
| Other Expenses | AU$261.82m |
| Earnings | -AU$52.95m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.14 |
| Gross Margin | 91.84% |
| Net Profit Margin | -23.28% |
| Debt/Equity Ratio | 34.4% |
How did EML perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/10/28 08:58 |
| End of Day Share Price | 2025/10/28 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
EML Payments Limited is covered by 8 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Richard Harrisberg | Canaccord Genuity |
| Edmund Anthony Henning | CLSA |
| ZheWei Sim | Jefferies LLC |