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EML Payments Ltd

Technology AU EML

0.64AUD
0.04(7.56%)

Last update at 2026-03-13T05:10:00Z

Day Range

0.590.65
LowHigh

52 Week Range

0.581.20
LowHigh

Fundamentals

  • Previous Close 0.59
  • Market Cap248.65M
  • Volume2938033
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA-9.27400M
  • Revenue TTM221.59M
  • Revenue Per Share TTM0.58
  • Gross Profit TTM 202.26M
  • Diluted EPS TTM-0.14

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax -41.91200M 2.43M -281.75800M -0.34000M -23.28100M
Minority interest - - - - -
Net income -53.38700M -26.48500M -284.82400M -4.80100M -28.69500M
Selling general administrative 91.99M 87.54M 83.51M 69.23M 58.80M
Selling and marketing expenses - 48.68M - - -
Gross profit 102.82M 116.10M 132.59M 150.02M 123.34M
Reconciled depreciation 15.23M 24.86M 35.07M 29.94M 29.84M
Ebit -35.82300M 7.63M -272.96100M 1.91M -21.50400M
Ebitda -20.59100M 32.49M -237.89000M 31.86M 8.33M
Depreciation and amortization 15.23M 24.86M 35.07M 29.94M 29.84M
Non operating income net other - - - - -
Operating income -107.97200M -55.67900M -1.06200M 15.37M 15.62M
Other operating expenses 265.91M 223.21M -334.18000M -50.13200M -69.11900M
Interest expense 6.09M 5.20M 3.58M 2.25M 1.78M
Tax provision 11.04M 12.04M 3.07M 4.46M 5.41M
Interest income 63.86M 49.81M 1.36M 3.33M 24.30M
Net interest income 57.77M 44.62M 28.92M 0.94M 3.30M
Extraordinary items -0.43700M -16.87400M - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 11.04M 12.04M 3.07M 4.46M 5.41M
Total revenue 157.94M 167.53M 221.69M 224.59M 187.14M
Total operating expenses 210.79M 171.78M 205.86M 153.35M 124.15M
Cost of revenue 55.12M 51.43M 89.10M 74.57M 63.80M
Total other income expense net 66.06M 58.11M -237.41200M 2.04M -25.56700M
Discontinued operations - - - - -
Net income from continuing ops -52.95000M -9.61100M -284.82400M -4.80100M -28.69500M
Net income applicable to common shares -53.38700M -26.48500M -284.82400M -4.80100M -28.69500M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 2682.37M 2483.89M 2994.53M 2682.44M 2288.78M
Intangible assets 29.44M 63.99M 92.06M 135.58M 114.14M
Earning assets - - - - -
Other current assets 28.66M -138.27200M 31.15M 24.38M 17.88M
Total liab 2535.93M 2324.87M 2819.98M 2245.33M 1873.88M
Total stockholder equity 146.44M 159.02M 174.55M 437.12M 414.89M
Deferred long term liab - - - - -
Other current liab 2437.07M 2173.81M 2623.86M 2044.48M 1708.01M
Common stock 498.31M 494.21M 494.21M 494.21M 456.16M
Capital stock 498.31M 494.21M 494.21M 494.21M 456.16M
Retained earnings -419.47800M -366.09100M -339.60600M -60.56200M -55.76100M
Other liab - - 36.57M 57.56M 39.08M
Good will 84.11M 99.47M 100.41M 312.88M 235.99M
Other assets - 2483.89M 16.93M 354.71M 312.35M
Cash 59.32M 43.06M 71.36M 73.70M 141.23M
Cash and equivalents - - - - 48.97M
Total current liabilities 2494.66M 2297.11M 2709.87M 2100.08M 1792.79M
Current deferred revenue 1.34M 4.42M 5.43M 6.19M 44.39M
Net debt -5.23900M 47.58M 27.13M 17.71M -96.10200M
Short term debt 23.29M 87.61M 24.95M 3.72M 3.11M
Short long term debt 21.96M 85.82M 22.97M 3.72M 1.39M
Short long term debt total 54.08M 90.64M 98.49M 91.41M 45.13M
Other stockholder equity - - -154.60200M -433.64600M -400.39600M
Property plant equipment - - 10.57M 12.72M 11.24M
Total current assets 1991.93M 1832.54M 2413.22M 1855.12M 1603.51M
Long term investments 513.83M 426.86M 317.82M 307.27M 285.56M
Net tangible assets - - -17.91500M -11.34300M 64.76M
Short term investments 1865.79M 1724.10M 2260.03M 1709.71M 1409.55M
Net receivables 38.17M 95.21M 38.86M 35.84M 21.95M
Long term debt 28.40M - 68.79M 87.69M 36.86M
Inventory - - 11.82M 11.50M 12.90M
Accounts payable 32.97M 31.26M 55.62M 45.69M 37.28M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 67.61M 30.91M 19.95M 3.47M 14.50M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 35.72M 39.07M 43.82M 35.96M 16.88M
Deferred long term asset charges - - - - -
Non current assets total 690.43M 651.35M 581.31M 827.32M 685.27M
Capital lease obligations 3.71M 4.82M 6.73M 7.99M 6.88M
Long term debt total - - 73.54M 87.69M 42.02M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments 39.24M -34.18200M -0.87700M -71.14500M -9.83000M
Change to liabilities - - 12.95M -11.89500M 14.92M
Total cashflows from investing activities 39.24M -34.18200M -0.87700M -71.14500M -25.99200M
Net borrowings -38.18700M -6.09600M -2.17200M 46.25M -1.19600M
Total cash from financing activities -43.29400M -7.97100M -2.17200M 46.25M -0.62300M
Change to operating activities - - 3.06M -19.68400M 8.17M
Net income -53.38700M -26.48500M -284.82400M -4.80100M -28.69500M
Change in cash 16.26M -28.30200M -2.33700M -67.52900M 22.85M
Begin period cash flow 43.06M 71.36M 73.70M 141.23M 118.38M
End period cash flow 59.32M 43.06M 71.36M 73.70M 141.23M
Total cash from operating activities 16.75M 14.07M -2.64300M -41.53800M 48.82M
Issuance of capital stock - - - - -
Depreciation - 24.86M 16.63M 16.40M 18.68M
Other cashflows from investing activities 39.61M -21.23900M 10.87M -57.08700M -13.37400M
Dividends paid - - - - -
Change to inventory - - - - -
Change to account receivables 10.89M -6.37500M -16.39300M -35.30600M 4.71M
Sale purchase of stock - - - - 0.57M
Other cashflows from financing activities -5.10700M -1.87500M -2.17200M 94.42M -1.19600M
Change to netincome - - 244.46M 1.77M 15.94M
Capital expenditures 5.96M 1.36M 11.74M 14.06M 12.62M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 75.33M -18.03900M -16.39300M -35.30600M 4.71M
Stock based compensation - 9.86M 1.78M 2.99M 4.97M
Other non cash items -58.57900M 33.73M 265.56M -53.14000M 58.84M
Free cash flow 10.79M 4.84M -14.38600M -55.59600M 36.20M

Peer Comparison

Sector: Technology Industry: Software - Infrastructure

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
EML
EML Payments Ltd		 0.04 7.56% 0.64 - 8.04 1.12 1.58 2.50 24.29
XYZ
Block, Inc		 -3.28 3.68% 85.76 29.98 17.73 2.28 1.77 1.50 10.63
MP1
Megaport Ltd		 0.15 2.00% 7.66 - 108.70 5.41 2.77 4.94 34.92
FCL
Fineos Corporation Holdings Plc		 -0.02 0.84% 2.36 - 119.05 5.98 3.19 3.45 15.59
GTK
Gentrack Group Ltd		 -0.06 0.92% 6.44 40.63 26.88 3.18 3.56 3.61 27.65

Reports Covered

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Profile

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. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Melbourne, Australia.

EML Payments Ltd

440 Collins Street, Melbourne, VIC, Australia, 3000

Key Executives

Name Title Year Born
Ms. Emma V Shand CEO, MD & Director NA
Mr. Robert Shore Group Chief Financial Officer NA
Mr. David Curneen Group Chief Operating Officer NA
Mr. Jason Nadler Group Chief Technology Officer NA
Mr. Paul Wenk Group Gen. Counsel NA
Marie O'Riordan Global Director of PR NA
Mr. Eric Mettemeyer Group Chief Corp. Devel. Officer NA
Ms. Kristen Shaw Group Chief People & Culture Officer NA
Mr. Richard Anderson Group Chief Revenue Officer NA
Mr. Andrew Betts Group Chief Risk & Regulatory Officer NA

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