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Earlypay Ltd

Financial Services AU EPY

0.16AUD
-(-%)

Last update at 2026-03-13T04:23:00Z

Day Range

0.160.16
LowHigh

52 Week Range

0.150.23
LowHigh

Fundamentals

  • Previous Close 0.16
  • Market Cap41.45M
  • Volume22208
  • P/E Ratio16.00
  • Dividend Yield4.38%
  • EBITDA19.64M
  • Revenue TTM50.66M
  • Revenue Per Share TTM0.20
  • Gross Profit TTM 35.91M
  • Diluted EPS TTM0.01

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

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 3.90M 3.53M -10.44300M 15.29M 10.32M
Minority interest - - - - -
Net income 2.87M 2.45M -7.74400M 13.22M 7.24M
Selling general administrative 14.35M 13.93M 14.41M 14.51M 13.38M
Selling and marketing expenses 0.44M 0.51M 0.47M 0.51M 0.36M
Gross profit 30.08M 40.62M 41.48M 6.28M 24.96M
Reconciled depreciation 3.26M 2.63M 1.71M 2.29M 2.26M
Ebit 21.06M 23.03M 8.76M 25.03M 19.80M
Ebitda 24.32M 25.66M 10.47M 27.32M 22.06M
Depreciation and amortization 3.26M 2.63M 1.71M 2.29M 2.26M
Non operating income net other - - - - -
Operating income 20.92M 26.88M 10.40M 25.03M 18.80M
Other operating expenses 25.05M 27.68M 50.14M 28.77M 25.06M
Interest expense 17.16M 19.38M 19.20M 9.74M 8.48M
Tax provision 1.04M 1.08M -2.69900M 2.07M 3.08M
Interest income 30.02M 32.68M 19.27M 27.07M 0.04M
Net interest income 12.80M 13.19M 16.12M 17.32M -8.44100M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 1.04M 1.08M -2.69900M 2.07M 3.08M
Total revenue 50.93M 54.56M 60.54M 25.95M 42.51M
Total operating expenses 9.16M 13.75M 31.08M 28.77M 25.06M
Cost of revenue 20.64M 13.93M 19.06M 19.68M 17.55M
Total other income expense net -17.01800M -23.34900M -20.83900M -14.07600M -7.13200M
Discontinued operations - - - - -
Net income from continuing ops 2.87M 2.45M -7.74400M 13.22M 7.24M
Net income applicable to common shares 2.87M 2.45M -7.74400M 13.22M 7.24M
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 314.61M 314.04M 360.30M 492.83M 376.43M
Intangible assets 2.33M - 1.01M 3.33M 4.45M
Earning assets - - - - -
Other current assets 2.73M 1.85M 0.42M 42.43M 14.49M
Total liab 240.56M 241.43M 286.81M 407.74M 317.92M
Total stockholder equity 74.05M 72.61M 73.48M 85.09M 58.51M
Deferred long term liab - - - - -
Other current liab 2.03M 1.93M 0.88M 2.58M 26.27M
Common stock 71.91M 72.05M 74.70M 73.47M 52.77M
Capital stock 71.91M - 74.70M 73.47M 52.77M
Retained earnings 1.77M 0.41M -1.53000M 10.94M 5.30M
Other liab - - 0.28M 0.23M 0.17M
Good will 27.77M 27.77M 27.77M 26.59M 26.59M
Other assets - - 77.06M 96.51M 61.15M
Cash 37.56M 40.13M 52.99M 52.71M 44.77M
Cash and equivalents - - - - -
Total current liabilities 140.38M 162.05M 143.88M 256.81M 223.83M
Current deferred revenue - 0.00000M - - 2.89M
Net debt 198.76M 196.59M 226.88M 241.26M 162.64M
Short term debt 136.46M 157.66M 1.47M 143.28M 113.49M
Short long term debt 135.86M - 138.23M 142.83M 112.86M
Short long term debt total 236.32M 236.72M - 293.97M 207.41M
Other stockholder equity - - 0.31M 0.24M 0.44M
Property plant equipment - - 1.39M 0.63M 1.11M
Total current assets 196.36M 216.12M 252.93M 365.59M 259.67M
Long term investments - - - - -
Net tangible assets - - 44.56M 55.00M 27.32M
Short term investments - - - - -
Net receivables 156.07M 174.14M 196.84M 270.45M 200.41M
Long term debt 99.05M - 141.64M 150.58M 93.41M
Inventory - - - - -
Accounts payable 1.89M 2.46M 4.25M 110.95M 84.07M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 0.36M 0.15M - 0.68M 0.44M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 4.57M 71.04M 93.13M 82.17M
Deferred long term asset charges - - - - -
Non current assets total 118.25M 97.92M 107.37M 127.24M 116.76M
Capital lease obligations 1.41M - 1.37M 0.56M 1.14M
Long term debt total - - 142.65M 150.69M 93.92M
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 -9.73500M 24.39M 11.72M -84.22700M -37.72500M
Change to liabilities - - 16.30M -1.67200M -10.19800M
Total cashflows from investing activities -9.73500M 24.39M 11.72M -84.22700M -37.72500M
Net borrowings -0.33700M -43.31400M -16.71500M 86.09M 21.74M
Total cash from financing activities -1.96000M -46.57500M -20.65100M 79.49M 39.49M
Change to operating activities - - 4.46M -0.34200M 4.12M
Net income 2.87M 2.45M -7.74400M 13.22M 7.24M
Change in cash -2.57600M -12.85300M 0.28M 7.94M 6.57M
Begin period cash flow 40.13M 52.99M 52.71M 44.77M 38.20M
End period cash flow 37.56M 40.13M 52.99M 52.71M 44.77M
Total cash from operating activities 9.12M 9.33M 9.21M 12.68M 4.81M
Issuance of capital stock - 1.72M 1.23M - 23.91M
Depreciation - 2.63M 1.71M 2.29M 2.26M
Other cashflows from investing activities -9.71700M 65.60M 12.63M -81.03400M -33.35900M
Dividends paid 0.79M 0.00000M 5.17M 6.56M 5.19M
Change to inventory - - - - -
Change to account receivables 0.26M -0.26000M 0.00600M -0.00600M 0.43M
Sale purchase of stock -0.13400M -4.36800M -0.00000M -0.04000M 57.48M
Other cashflows from financing activities -0.69900M -0.60800M 11.72M -0.58100M -1.54100M
Change to netincome - - - 0.00400M -0.08900M
Capital expenditures 0.33M 1.10M 0.91M 0.73M 0.42M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 2.27M 0.88M 14.30M -2.85600M -5.44900M
Stock based compensation - - 0.07M 0.24M -15.03900M
Other non cash items 6.85M 3.37M -14.57800M 5.59M 15.05M
Free cash flow 8.79M 8.24M 8.30M 11.95M 4.39M

Peer Comparison

Sector: Financial Services Industry: Credit Services

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)
EPY
Earlypay Ltd		 - -% 0.16 16.00 12.38 0.82 0.59 10.87 12.01
ZIP
ZIP Co Ltd		 0.01 0.93% 1.62 19.84 14.06 1.65 3.07 3.61 10.93
LFG
Liberty Financial Group		 0.05 1.46% 3.48 7.15 6.56 1.70 0.90 9.61 0.11
LFS
Latitude Group Holdings Ltd		 - -% 0.95 11.88 - 1.83 0.81 6.48 13.52
PPM
Pepper Money Ltd		 -0.02 0.93% 2.12 9.30 10.18 2.42 1.17 45.96

Reports Covered

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Profile

Earlypay Limited engages in the provision of financial solutions to businesses in Australia. It offers invoice finance, such as debtor and trade finance; invoice factoring and discounting, and clean energy finance services, as well as business line of credit. The company also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, private sales, and mid-term refinancing. In addition, it offers payroll and trade finance services, and asset finance. Additionally, it offers supplier early payment platform solutions and ATO tax debt services. The company was formerly known as CML Group Limited and changed its name to Earlypay Limited in November 2020. Earlypay Limited was incorporated in 2001 and is based in North Sydney, Australia.

Earlypay Ltd

201 Miller Street, North Sydney, NSW, Australia, 2060

Key Executives

Name Title Year Born
Mr. James Beeson CEO, MD & Exec. Director NA
Mr. Steven Shin CFO & Company Sec. NA
Paul Murray Chief Operating Officer NA
Mr. James Beeson CEO, MD & Executive Director NA
Mr. Paul Murray CFO, Joint Company Secretary & COO NA
Mr. Mathew Watkins Joint Company Secretary NA
Mr. James Beeson CEO, MD & Executive Director NA
Mr. Paul Murray CFO, Joint Company Secretary & COO NA
Mr. Mathew Watkins Joint Company Secretary NA
Mr. James Beeson CEO, MD & Executive Director NA

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