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Earlypay Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.125 AUD 0.00(0%)
Last update at 2026-11-12T05:10:00Z
VOLUME
1
Market Cap
31.55M

Momentum Score

…

Earlypay Limited provides financing solutions to businesses in Australia. The company offers invoice finance for transport and logistics, manufacturing and wholesale, security services, and labor hire and recruitment; trade finance for wholesale, manufacturing, and retail industries; and equipment finance, including capital raise, refinance, and asset purchase. It also provides invoice finance for payroll comprising Earlypay, an invoice finance facility; and xemplo for timesheet management, client approval management, and automated invoicing. 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.

Source: TradingView
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Day Price Range
0.12
Low
0.12
High
52 Week Price Range
0.10
Low
0.21
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Earlypay Ltd provides short-term working capital and receivables solutions to small and medium-sized enterprises, primarily in Australia and New Zealand, including invoice financing and payroll funding. Long-term growth drivers include sustained SME demand for alternative finance, scale benefits from a digital origination platform, and product cross-sell and geographic expansion, which may support revenue diversification and margin improvement. Investors may find the company attractive for its niche SME focus and recurring fee and interest income streams.

Material risks include credit losses from SME borrowers, sensitivity to economic cycles, reliance on access to wholesale funding, and competitive or regulatory pressures that could compress margins.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.12
Dividend Yield
1.54%
Revenue TTM
52.87M
Revenue Per Share
0.20
Gross Profit TTM
37.89M
Debt / Equity
4.31
ROE
0.63%
Net Debt
258.06M
ROCE
4.84%
Diluted EPS TTM
-

Stock Analysis

View All

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 0.68M 3.90M 3.53M -10.44M 15.29M
Net income 0.45M 2.87M 2.45M -7.74M 13.22M
Selling general administrative 15.70M 14.35M 13.93M 14.41M 14.51M
Selling and marketing expenses - 0.44M 0.51M 0.47M 0.51M
Gross profit 31.01M 30.08M 40.62M 41.48M 6.28M
Reconciled depreciation 2.78M 3.26M 2.63M 1.71M 2.29M
Ebit 17.43M 21.06M 23.03M 8.76M 25.03M
Ebitda 20.21M 24.32M 25.66M 10.47M 27.32M
Depreciation and amortization 2.78M 3.26M 2.63M 1.71M 2.29M
Operating income 17.43M 20.92M 26.88M 10.40M 25.03M
Other operating expenses 35.37M 25.05M 27.68M 50.14M 28.77M
Interest expense 16.82M 17.16M 19.38M 19.20M 9.74M
Tax provision 0.23M 1.04M 1.08M -2.70M 2.07M
Interest income 31.41M 30.02M 32.68M 19.27M 27.07M
Net interest income 14.60M 12.80M 13.19M 16.12M 17.32M
Income tax expense 0.23M 1.04M 1.08M -2.70M 2.07M
Total revenue 52.80M 50.93M 54.56M 60.54M 25.95M
Total operating expenses 13.58M 9.16M 13.75M 31.08M 28.77M
Cost of revenue 21.79M 20.64M 13.93M 19.06M 19.68M
Total other income expense net -16.75M -17.02M -23.35M -20.84M -14.08M
Net income from continuing ops 0.45M 2.87M 2.45M -7.74M 13.22M
Net income applicable to common shares - 2.87M 2.45M -7.74M 13.22M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 364.82M 314.61M 314.04M 360.30M 492.83M
Intangible assets 0.47M 2.33M - 1.01M 3.33M
Other current assets 1.00M 2.73M 1.85M 0.42M 42.43M
Total liab 296.91M 240.56M 241.43M 286.81M 407.74M
Total stockholder equity 67.91M 74.05M 72.61M 73.48M 85.09M
Other current liab 1.61M 2.03M 1.93M 0.88M 2.58M
Common stock 67.04M 71.91M 72.05M 74.70M 73.47M
Capital stock 67.04M 71.91M - 74.70M 73.47M
Retained earnings 0.45M 1.77M 0.41M -1.53M 10.94M
Other liab - - - 0.28M 0.23M
Good will 27.77M 27.77M 27.77M 27.77M 26.59M
Other assets - - - 77.06M 96.51M
Cash 34.94M 37.56M 40.13M 52.99M 52.71M
Total current liabilities 4.41M 140.38M 162.05M 143.88M 256.81M
Current deferred revenue - - 0.00M - -
Net debt 258.06M 198.76M 196.59M 226.88M 241.26M
Short term debt 0.67M 136.46M 157.66M 1.47M 143.28M
Short long term debt - 135.86M - 138.23M 142.83M
Short long term debt total 293.00M 236.32M 236.72M - 293.97M
Other stockholder equity - - - 0.31M 0.24M
Property plant equipment - - - 1.39M 0.63M
Total current assets 210.18M 196.36M 216.12M 252.93M 365.59M
Long term investments 0.54M - - - -
Net tangible assets - - - 44.56M 55.00M
Net receivables 174.23M 156.07M 174.14M 196.84M 270.45M
Long term debt 291.85M 99.05M - 141.64M 150.58M
Accounts payable 2.13M 1.89M 2.46M 4.25M 110.95M
Accumulated other comprehensive income 0.41M 0.36M 0.15M - 0.68M
Non currrent assets other - - 4.57M 71.04M 93.13M
Non current assets total 154.64M 118.25M 97.92M 107.37M 127.24M
Capital lease obligations 1.15M 1.41M - 1.37M 0.56M
Long term debt total - - - 142.65M 150.69M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -9.73M 24.39M 11.72M -84.23M
Change to liabilities - - - 16.30M -1.67M
Total cashflows from investing activities -58.73M -9.73M 24.39M 11.72M -84.23M
Net borrowings 56.34M -0.34M -43.31M -16.71M 86.09M
Total cash from financing activities 49.00M -1.96M -46.58M -20.65M 79.49M
Change to operating activities - - - 4.46M -0.34M
Net income 0.45M 2.87M 2.45M -7.74M 13.22M
Change in cash -2.17M -2.58M -12.85M 0.28M 7.94M
Begin period cash flow 37.11M 40.13M 52.99M 52.71M 44.77M
End period cash flow 34.94M 37.56M 40.13M 52.99M 52.71M
Total cash from operating activities 7.56M 9.12M 9.33M 9.21M 12.68M
Issuance of capital stock - - 1.72M 1.23M -
Depreciation 2.78M - 2.63M 1.71M 2.29M
Other cashflows from investing activities -58.44M -9.72M 65.60M 12.63M -81.03M
Dividends paid 1.77M 0.79M 0.00M 5.17M 6.56M
Change to account receivables -0.01M 0.26M -0.26M 0.01M -0.01M
Sale purchase of stock -4.87M -0.13M -4.37M -0.00M -0.04M
Other cashflows from financing activities -0.70M -0.70M -0.61M 11.72M -0.58M
Change to netincome - - - - 0.00M
Capital expenditures 0.06M 0.33M 1.10M 0.91M 0.73M
Change in working capital 1.09M 2.27M 0.88M 14.30M -2.86M
Stock based compensation - - - 0.07M 0.24M
Other non cash items 3.24M 6.85M 3.37M -14.58M 5.59M
Free cash flow 7.50M 8.79M 8.24M 8.30M 11.95M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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		 -
-%		 0.12 - 12.38 0.60 0.45 13.44 14.22
ZIP
ZIP Co Ltd		 -0.10
4.61%		 2.07 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.15
0.96%		 15.82 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 0.04
1.25%		 3.24 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 -0.01
1.19%		 0.83 9.22 - 1.59 0.66 6.49 13.37

Profile*

Earlypay Ltd

Earlypay Limited provides financing solutions to businesses in Australia. The company offers invoice finance for transport and logistics, manufacturing and wholesale, security services, and labor hire and recruitment; trade finance for wholesale, manufacturing, and retail industries; and equipment finance, including capital raise, refinance, and asset purchase. It also provides invoice finance for payroll comprising Earlypay, an invoice finance facility; and xemplo for timesheet management, client approval management, and automated invoicing. 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.

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

61 1300 666 177

https://www.earlypay.com.au

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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