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EML Payments Ltd

Technology AU EML

0.94AUD
0.005(0.53%)

Last update at 2024-12-19T05:11:00Z

Day Range

0.900.95
LowHigh

52 Week Range

0.571.27
LowHigh

Fundamentals

  • Previous Close 0.94
  • Market Cap362.60M
  • Volume1486094
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA5.59M
  • Revenue TTM217.34M
  • Revenue Per Share TTM0.58
  • Gross Profit TTM 154.87M
  • Diluted EPS TTM-0.03

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax -281.75800M -0.34000M -23.28100M -6.57300M 9.03M
Minority interest - - - - -
Net income -284.82400M -4.80100M -28.69500M -5.85400M 8.45M
Selling general administrative 83.51M 69.23M 58.80M 45.22M 35.40M
Selling and marketing expenses - - - - 0.87M
Gross profit 132.59M 150.02M 123.34M 84.40M 70.21M
Reconciled depreciation 35.07M 29.94M 29.84M 18.66M 10.27M
Ebit -272.96100M 1.91M -21.50400M -1.88100M 10.89M
Ebitda -237.89000M 31.86M 8.33M 16.77M 21.16M
Depreciation and amortization 35.07M 29.94M 29.84M 18.66M 10.27M
Non operating income net other - - - - -
Operating income -1.06200M 15.37M 15.62M 5.26M 10.89M
Other operating expenses -334.18000M -50.13200M -69.11900M -60.51700M 83.58M
Interest expense 3.58M 2.25M 1.78M 3.89M 1.86M
Tax provision 3.07M 4.46M 5.41M -0.71900M 0.58M
Interest income 1.36M 3.33M 24.30M 1.17M 1.86M
Net interest income 28.92M 0.94M 3.30M -0.21100M 0.94M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 3.07M 4.46M 5.41M -0.71900M 0.58M
Total revenue 221.69M 224.59M 187.14M 117.28M 94.39M
Total operating expenses 205.86M 153.35M 124.15M 82.36M 59.40M
Cost of revenue 89.10M 74.57M 63.80M 32.88M 24.18M
Total other income expense net -237.41200M 2.04M -25.56700M -8.22100M -1.86500M
Discontinued operations - - - - -
Net income from continuing ops -284.82400M -4.80100M -28.69500M -5.85400M 8.45M
Net income applicable to common shares -284.82400M -4.80100M -28.69500M -5.85400M 8.45M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 2483.89M 2994.53M 2682.44M 2288.78M 1906.27M
Intangible assets 63.99M 92.06M 135.58M 114.14M 116.98M
Earning assets - - - - -
Other current assets -138.27200M 31.15M 24.38M 17.88M 24.16M
Total liab 2324.87M 2819.98M 2245.33M 1873.88M 1465.27M
Total stockholder equity 159.02M 174.55M 437.12M 414.89M 440.99M
Deferred long term liab - - - - -
Other current liab 2173.81M 2623.86M 2044.48M 1708.01M 1271.07M
Common stock 494.21M 494.21M 494.21M 456.16M 455.58M
Capital stock 494.21M 494.21M 494.21M 456.16M 455.58M
Retained earnings -366.09100M -339.60600M -60.56200M -55.76100M -25.77800M
Other liab - 36.57M 57.56M 39.08M 96.36M
Good will 99.47M 100.41M 312.88M 235.99M 287.77M
Other assets 2483.89M 16.93M 354.71M 312.35M 41.88M
Cash 43.06M 71.36M 73.70M 141.23M 118.38M
Cash and equivalents - - - 48.97M 65.27M
Total current liabilities 2297.11M 2709.87M 2100.08M 1792.79M 1326.25M
Current deferred revenue 4.42M 5.43M 6.19M 44.39M 22.82M
Net debt 47.58M 27.13M 17.71M -96.10200M -73.38300M
Short term debt 87.61M 24.95M 3.72M 3.11M 2.34M
Short long term debt 85.82M 22.97M 3.72M 1.39M -
Short long term debt total 90.64M 98.49M 91.41M 45.13M 45.00M
Other stockholder equity - -154.60200M -433.64600M -400.39600M -428.51600M
Property plant equipment - 10.57M 12.72M 11.24M 14.63M
Total current assets 1832.54M 2413.22M 1855.12M 1603.51M 1001.09M
Long term investments 426.86M 317.82M 307.27M 285.56M 443.92M
Net tangible assets - -17.91500M -11.34300M 64.76M 36.24M
Short term investments 1724.10M 2260.03M 1709.71M 1409.55M 833.41M
Net receivables 95.21M 38.86M 35.84M 21.95M 21.66M
Long term debt - 68.79M 87.69M 36.86M 35.85M
Inventory - 11.82M 11.50M 12.90M 3.48M
Accounts payable 31.26M 55.62M 45.69M 37.28M 30.02M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 30.91M 19.95M 3.47M 14.50M 11.19M
Additional paid in capital - - - - -
Common stock total equity - - - - 455.58M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 39.07M 43.82M 35.96M 16.88M 16.84M
Deferred long term asset charges - - - - -
Non current assets total 651.35M 581.31M 827.32M 685.27M 905.17M
Capital lease obligations 4.82M 6.73M 7.99M 6.88M 9.15M
Long term debt total - 73.54M 87.69M 42.02M 42.66M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments -0.87700M -71.14500M -9.83000M -154.61500M -49.81800M
Change to liabilities 12.95M -11.89500M 14.92M -0.50400M 2.63M
Total cashflows from investing activities -0.87700M -71.14500M -25.99200M -154.61500M -49.81800M
Net borrowings -2.17200M 46.25M -1.19600M -16.66100M 15.00M
Total cash from financing activities -2.17200M 46.25M -0.62300M 219.87M 15.01M
Change to operating activities 3.06M -19.68400M 8.17M 2.96M 3.77M
Net income -284.82400M -4.80100M -28.69500M -7.14300M 8.45M
Change in cash -2.33700M -67.52900M 22.85M 85.30M -5.92100M
Begin period cash flow 73.70M 141.23M 118.38M 33.09M 39.01M
End period cash flow 71.36M 73.70M 141.23M 118.38M 33.09M
Total cash from operating activities -2.64300M -41.53800M 48.82M 22.07M 29.16M
Issuance of capital stock - - - 248.21M 0.35M
Depreciation 16.63M 16.40M 18.68M 10.19M 10.27M
Other cashflows from investing activities 10.87M -57.08700M -13.37400M -143.62100M -44.05100M
Dividends paid - - - - 22.40M
Change to inventory - - - - -
Change to account receivables -16.39300M -35.30600M 4.71M 2.74M -4.63500M
Sale purchase of stock - - 0.57M -7.40100M -7.40100M
Other cashflows from financing activities -2.17200M 94.42M -1.19600M -5.93500M 59.46M
Change to netincome 244.46M 1.77M 15.94M 5.41M 6.78M
Capital expenditures 11.74M 14.06M 12.62M 10.99M 5.77M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -16.39300M -35.30600M 4.71M 2.74M 2.18M
Stock based compensation 1.78M 2.99M 4.97M 6.15M -
Other non cash items 265.56M -53.14000M 58.84M 19.02M -18.71700M
Free cash flow -14.38600M -55.59600M 36.20M 11.08M 23.39M

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		 0.005 0.53% 0.94 - 12.08 1.67 2.24 1.86 24.29
SQ2
Block Inc		 -8.48 5.64% 141.83 59.31 20.37 3.96 2.96 2.22 28.34
GTK
Gentrack Group Ltd		 -0.31 2.61% 11.56 101.33 43.29 6.99 6.65 4.29 36.21
MP1
Megaport Ltd		 -0.88 10.56% 7.45 127.83 44.44 6.30 7.94 5.98 28.89
FCL
Fineos Corporation Holdings Plc		 -0.055 2.88% 1.85 - 666.67 5.36 2.51 3.04 224.20

Reports Covered

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Profile

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. This segment also provides issuance, processing, and program management services. The Gift and Incentives segment provides single load gift cards for shopping malls and incentive programs. The Digital Payments segment offers payment options for open banking, buy-now pay-later providers, and bill payment providers. The company also offers banking, credit, and disbursements services, as well as earned wage access, gifts, incentives and rewards, open banking, and forex payment solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Brisbane, Australia.

EML Payments Ltd

333 Ann Street, Brisbane, QLD, Australia, 4000

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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