EML Payments (EML) Stock Overview
Provides payment solutions platform in Australia, Europe, New Zealand, and North America. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
EML Community Fair Values
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Analyst Price Targets
EML Payments Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$0.26 |
| 52 Week High | AU$1.15 |
| 52 Week Low | AU$0.26 |
| Beta | 0.60 |
| 1 Month Change | -20.00% |
| 3 Month Change | -28.77% |
| 1 Year Change | -75.59% |
| 3 Year Change | -66.45% |
| 5 Year Change | -93.64% |
| Change since IPO | -77.39% |
Recent News & Updates
Narrative Update • Aug 18
EML: Higher Future P/E Will Support Turnaround In Profitability
Analysts have revised their fair value estimate for EML Payments from A$0.66 to A$0.55, reflecting higher discount rates, a shift to expecting positive revenue growth, significantly lower forecast profit margins, and a substantially higher future P/E multiple. What’s in the News for EML Payments No recent company specific news for EML Payments has been provided in the available sources as at 17 Aug 2026.Narrative Update • Jun 23
EML: New CEO Appointment Will Drive Single Global Platform Execution
Analysts have maintained their A$0.66 fair value estimate for EML Payments, reflecting a slightly higher discount rate, a modestly less steep revenue decline, firmer profit margin expectations and a lower future P/E assumption shaping the updated price target narrative. What’s in the News for EML Payments EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026.
Narrative Update • Jun 09
EML: New CEO Appointment Will Drive Higher Profitability Expectations
Analysts have reduced their price target on EML Payments from A$1.80 to A$1.60, reflecting updated assumptions around a higher discount rate, slightly softer revenue growth, improved profit margin expectations and a lower future P/E multiple. What's in the News EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026, following his leadership of the Australia, UK and Europe businesses and the EML 2.0 transformation program.Recent updates
Narrative Update • Aug 18
EML: Higher Future P/E Will Support Turnaround In Profitability
Analysts have revised their fair value estimate for EML Payments from A$0.66 to A$0.55, reflecting higher discount rates, a shift to expecting positive revenue growth, significantly lower forecast profit margins, and a substantially higher future P/E multiple. What’s in the News for EML Payments No recent company specific news for EML Payments has been provided in the available sources as at 17 Aug 2026.Narrative Update • Jun 23
EML: New CEO Appointment Will Drive Single Global Platform Execution
Analysts have maintained their A$0.66 fair value estimate for EML Payments, reflecting a slightly higher discount rate, a modestly less steep revenue decline, firmer profit margin expectations and a lower future P/E assumption shaping the updated price target narrative. What’s in the News for EML Payments EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026.Narrative Update • Jun 09
EML: New CEO Appointment Will Drive Higher Profitability Expectations
Analysts have reduced their price target on EML Payments from A$1.80 to A$1.60, reflecting updated assumptions around a higher discount rate, slightly softer revenue growth, improved profit margin expectations and a lower future P/E multiple. What's in the News EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026, following his leadership of the Australia, UK and Europe businesses and the EML 2.0 transformation program.
Narrative Update • May 26
EML: New CEO Appointment Will Drive Next Phase Of Transformation
Analysts have left their A$ price target for EML Payments broadly unchanged, reflecting largely stable assumptions on fair value, discount rate, revenue growth, profit margin and future P/E in their latest update. What's in the News EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026, aligning leadership with the ongoing EML2.0 transformation program and the next phase of execution across the group.Narrative Update • May 07
EML: New Global Leadership Will Drive Single Platform Transformation Upside
Narrative Update on EML Payments Analysts have cut their A$ fair value estimate for EML Payments from about A$1.10 to around A$0.66, as they update models for a higher discount rate, lower revenue growth assumptions, a wider profit margin, and a lower future P/E multiple. What's in the News EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026.Narrative Update • Apr 21
EML: New CEO Appointment Will Support Execution Of Transformation Program
Analysts have adjusted their price target for EML Payments to A$0.98 from A$1.25, reflecting updated views on fair value, growth, margins and the appropriate P/E multiple. What's in the News EML Payments appointed Adam Olding as Chief Executive Officer, effective March 30, 2026, as part of the EML 2.0 transformation program (Key Developments).Narrative Update • Apr 07
EML: New CEO And Transformation Progress Will Support Future Profit Margins
Analysts have kept their A$1.25 fair value estimate for EML Payments broadly unchanged. A slightly higher discount rate and a marginally lower future P/E assumption reflect a modest reset in perceived risk and earnings multiple rather than a shift in the underlying earnings outlook.Narrative Update • Mar 23
EML: Higher Discount Rate Will Support Stronger Profit Margins Ahead
Analysts have trimmed their fair value estimate for EML Payments from A$1.42 to about A$1.25, citing updated assumptions for revenue growth, profit margins and a lower future P/E multiple. Valuation Changes Fair Value: trimmed from A$1.42 to about A$1.25, representing a moderate reduction in the assessed valuation.New Narrative • May 11
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.Analysis Article • Aug 29
EML Payments Limited (ASX:EML) Just Reported Earnings, And Analysts Cut Their Target Price
It's been a mediocre week for EML Payments Limited ( ASX:EML ) shareholders, with the stock dropping 11% to AU$0.72 in...Analysis Article • Feb 29
EML Payments Limited (ASX:EML) Half-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year
Last week, you might have seen that EML Payments Limited ( ASX:EML ) released its interim result to the market. The...Analysis Article • Aug 24
Is There An Opportunity With EML Payments Limited's (ASX:EML) 43% Undervaluation?
In this article we are going to estimate the intrinsic value of EML Payments Limited ( ASX:EML ) by taking the expected...Analysis Article • Jun 20
These 4 Measures Indicate That EML Payments (ASX:EML) Is Using Debt Extensively
Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...Analysis Article • Apr 27
When Should You Buy EML Payments Limited (ASX:EML)?
While EML Payments Limited ( ASX:EML ) might not be the most widely known stock at the moment, it received a lot of...Analysis Article • Mar 17
EML Payments (ASX:EML) Use Of Debt Could Be Considered Risky
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...Shareholder Returns
| EML | AU Diversified Financial | AU Market | |
|---|---|---|---|
| 7D | -24.6% | -2.5% | -0.6% |
| 1Y | -75.6% | 8.2% | 0.04% |
Return vs Industry: EML underperformed the Australian Diversified Financial industry which returned 8.2% over the past year.
Return vs Market: EML underperformed the Australian Market which returned 0% over the past year.
Price Volatility
| EML volatility | |
|---|---|
| EML Average Weekly Movement | 8.5% |
| Diversified Financial Industry Average Movement | 6.3% |
| Market Average Movement | 9.8% |
| 10% most volatile stocks in AU Market | 16.9% |
| 10% least volatile stocks in AU Market | 3.9% |
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 (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | n/a | Adam Olding | emlpayments.com |
EML Payments Limited provides payment solutions platform in Australia, Europe, New Zealand, 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$101.05m |
| Earnings (TTM) | -AU$19.67m |
| Revenue (TTM) | AU$213.09m |
0.5x
P/S Ratio-5.1x
P/E RatioIs EML overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EML income statement (TTM) | |
|---|---|
| Revenue | AU$213.09m |
| Cost of Revenue | AU$18.75m |
| Gross Profit | AU$194.34m |
| Other Expenses | AU$214.01m |
| Earnings | -AU$19.67m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.051 |
| Gross Margin | 91.20% |
| Net Profit Margin | -9.23% |
| Debt/Equity Ratio | 68.7% |
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 | 2026/08/22 19:51 |
| End of Day Share Price | 2026/08/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2026/06/30 |
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 |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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 10 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 |