EML Payments (CHIA:EML) - Stock Price, News & Analysis

EML Stock Overview

EML Payments Limited provides payment solutions platform in Australia, Europe, and North America.

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

Rewards

Earnings are forecast to grow 89.84% per year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for EML from our risk checks.

EML Payments Limited Competitors

OFX Group

ASX:OFX

AU$353.3m

Tyro Payments

ASX:TYR

AU$503.1m

Sezzle

ASX:SZL

AU$138.7m

Splitit Payments

ASX:SPT

AU$41.5m

Price History & Performance

Summary of all time highs, changes and price drops for EML Payments
Historical stock prices
Current Share Price	AU$1.02
52 Week High	AU$1.28
52 Week Low	AU$0.58
Beta	1.29
1 Month Change	-18.07%
3 Month Change	36.91%
1 Year Change	55.73%
3 Year Change	-81.45%
5 Year Change	-48.61%
Change since IPO	53.38%

Recent updates

Shareholder Returns

	EML	AU Diversified Financial	AU Market
7D	-1.9%	-0.8%	-0.6%
1Y	55.7%	4.5%	5.7%

Return vs Industry: EML exceeded the Australian Diversified Financial industry which returned 4.5% over the past year.

Return vs Market: EML exceeded the Australian Market which returned 5.7% over the past year.

Price Volatility

Is EML's price volatile compared to industry and market?
EML volatility
EML Average Weekly Movement	10.6%
Diversified Financial Industry Average Movement	7.0%
Market Average Movement	8.9%
10% most volatile stocks in AU Market	17.4%
10% least volatile stocks in AU Market	3.4%

Stable Share Price: EML's share price has been volatile over the past 3 months.

Volatility Over Time: EML's weekly volatility (11%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2003	659	Kevin Murphy	emlpayments.com

EML Payments Limited provides payment solutions platform in Australia, Europe, and North America. It operates in three segments: General Purpose Reloadable, Gift and Incentives, and Digital Payments. The General Purpose Reloadable segment offers reloadable cards to various industries, such as government, salary packaging, gaming, and digital banking.

EML Payments Limited Fundamentals Summary

How do EML Payments's earnings and revenue compare to its market cap?
EML fundamental statistics
Market cap	AU$384.29m
Earnings (TTM)	-AU$167.31m
Revenue (TTM)	AU$288.70m

1.3x

P/S Ratio

-2.3x

P/E Ratio

Is EML overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EML income statement (TTM)
Revenue	AU$288.70m
Cost of Revenue	AU$103.15m
Gross Profit	AU$185.54m
Other Expenses	AU$352.85m
Earnings	-AU$167.31m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	-0.45
Gross Margin	64.27%
Net Profit Margin	-57.95%
Debt/Equity Ratio	55.0%

How did EML perform over the long term?

See historical performance and comparison

EML Stock Overview

Rewards

Risk Analysis

EML Payments Limited Competitors

ASX:OFX

AU$353.3m

ASX:TYR

AU$503.1m

ASX:SZL

AU$138.7m

ASX:SPT

AU$41.5m

Price History & Performance

Recent News & Updates

GoCardless Ltd. has signed an agreement to acquire Sentenial Ltd from EML Payments Limited (ASX:EML) for €32.8 million.

Now 25% overvalued after recent price rise

First half 2024 earnings released: AU$0.033 loss per share (vs AU$0.35 loss in 1H 2023)

Forecast breakeven date pushed back to 2025

Forecast breakeven date pushed back to 2025

New minor risk - Share price stability

Recent updates

GoCardless Ltd. has signed an agreement to acquire Sentenial Ltd from EML Payments Limited (ASX:EML) for €32.8 million.

Now 25% overvalued after recent price rise

First half 2024 earnings released: AU$0.033 loss per share (vs AU$0.35 loss in 1H 2023)

Forecast breakeven date pushed back to 2025

Forecast breakeven date pushed back to 2025

New minor risk - Share price stability

EML Payments Limited, Annual General Meeting, Nov 29, 2023

Forecast to breakeven in 2024

EML Payments Limited Appoints Mr. Peter Lang as Chief Corporate Development Officer, Effective on September 1, 2023

EML Payments Limited Announces CFO Changes, Effective on September 1, 2023

EML Payments Limited to Report Fiscal Year 2023 Results on Aug 29, 2023

New minor risk - Profitability

No longer forecast to breakeven

Less than half of directors are independent

First half 2023 earnings released: AU$0.35 loss per share (vs AU$0.033 loss in 1H 2022)

EML Payments Limited Announces Board Resignations

EML Payments Limited to Report First Half, 2023 Results on Feb 22, 2023

EML Payments Limited Announces Executive Changes, Effective 16 April 2023

EML Payments Limited Appoints Manoj Kheerbat as an Independent Non-Executive Director, Effective 5 December 2022

EML Payments Limited Elects Brent Cubis as Director

Full year 2022 earnings released: AU$0.013 loss per share (vs AU$0.08 loss in FY 2021)

EML Payments Limited (ASX:EML) announces an Equity Buyback for AUD 20 million worth of its shares.

Investor sentiment improved over the past week

EML Payments Limited to Report Fiscal Year 2022 Results on Aug 22, 2022

EML Payments Limited Announces Managing Director Changes

Investor sentiment deteriorated over the past week

EML Commissioned Research Finds 1 in 4 U.K. Merchants Predict Open Banking Payments Will Become the Most Popular Payment Method in the Next 5 Years

Investor sentiment deteriorated over the past week

Independent Non-Executive Chairman recently sold AU$548k worth of stock

EML Payments Limited Launches Radically Simple Digital Payout Platform Seamless

First half 2022 earnings: EPS in line with expectations, revenues disappoint

EML Payments to Launch A Cryptocurrency-to-GBP Debit Mastercard

EML Payments Limited Reaffirms Earnings Guidance for the Fiscal Year 2022

EML Payments Limited to Report First Half, 2022 Results on Feb 16, 2022

Full year 2021 earnings released: AU$0.08 loss per share (vs AU$0.019 loss in FY 2020)

EML Payments Limited Updates Earnings Guidance for the Year 2022

Independent Non-Executive Director George Gresham has left the company

Independent Non-Executive Director Kirstin Ferguson has left the company

Eml Payments Limited Provides Earning Guidance for the Year 2021

Independent Non-Executive Chairman recently sold AU$1.1m worth of stock

Group CEO recently sold AU$7.6m worth of stock

SendGold & EML Payments Limited Launches Rush Mastercard® Card

Ml Payments Limited Announces Prepaid Financial Services' Brand Completes A Seamless and Disruption-Free Integration to Become an Integral Part of Eml's Global Payments Ecosystem

First half 2021 earnings released: AU$0.072 loss per share (vs AU$0.016 profit in 1H 2020)

New 90-day high: AU$4.90

Revenue beats expectations

EML Payments Limited to Report First Half, 2021 Results on Feb 17, 2021

New 90-day high: AU$3.95

New 90-day high: AU$3.63

EML Payments Limited (ASX:EML) has entered into a binding agreement to acquire Prepaid Financial Services (Ireland) Limited for approximately AUD 320 million.

New 90-day low: AU$2.69

New 90-day low - AU$2.96

Earnings released

EML Payments Limited to Report Fiscal Year 2020 Results on Aug 19, 2020

Shareholder Returns

Price Volatility

About the Company

EML Payments Limited Fundamentals Summary

1.3x