EML Payments's earnings have been declining at an average annual rate of -5%, while the Diversified Financial industry saw earnings growing at 13.5% annually. Revenues have been growing at an average rate of 3.2% per year.
Key information
-5.04%
Earnings growth rate
-4.21%
EPS growth rate
Diversified Financial Industry Growth
6.15%
Revenue growth rate
3.19%
Return on equity
-44.98%
Net Margin
-29.98%
Last Earnings Update
31 Dec 2025
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How EML Payments makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:EMCH.F Revenue, expenses and earnings (AUD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Dec 25
222
-66
172
0
30 Sep 25
225
-60
169
0
30 Jun 25
227
-53
166
0
31 Dec 24
230
20
142
0
30 Sep 24
220
12
142
0
30 Jun 24
211
5
142
0
31 Dec 23
167
-135
90
0
30 Sep 23
176
-198
114
0
30 Jun 23
184
-260
138
0
31 Mar 23
245
-204
134
0
31 Dec 22
235
-123
130
0
30 Sep 22
234
-64
105
0
30 Jun 22
232
-5
79
0
31 Mar 22
222
3
74
0
31 Dec 21
211
11
68
0
30 Sep 21
202
-9
65
0
30 Jun 21
192
-29
63
0
31 Mar 21
174
-46
60
0
31 Dec 20
156
-63
57
0
30 Sep 20
139
-35
53
0
30 Jun 20
121
-7
48
0
31 Mar 20
115
2
45
0
31 Dec 19
109
10
42
0
30 Sep 19
103
9
39
0
30 Jun 19
97
8
36
0
31 Mar 19
89
6
35
0
31 Dec 18
80
3
33
0
30 Sep 18
75
2
32
0
30 Jun 18
71
2
30
0
31 Mar 18
67
1
30
0
31 Dec 17
64
1
29
0
30 Sep 17
61
0
29
0
30 Jun 17
58
0
29
0
31 Mar 17
52
0
26
0
31 Dec 16
45
1
22
0
30 Sep 16
34
0
17
0
30 Jun 16
23
0
12
0
31 Mar 16
22
2
13
0
31 Dec 15
20
4
14
0
30 Sep 15
17
3
13
0
30 Jun 15
14
3
12
0
Quality Earnings: EMCH.F is currently unprofitable.
Growing Profit Margin: EMCH.F is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: EMCH.F is unprofitable, and losses have increased over the past 5 years at a rate of 5% per year.
Accelerating Growth: Unable to compare EMCH.F's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EMCH.F is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (8.6%).
Return on Equity
High ROE: EMCH.F has a negative Return on Equity (-44.98%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/05/24 20:22
End of Day Share Price
2026/02/24 00:00
Earnings
2025/12/31
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.
* 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.
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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 9 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.