EML Payments (EML Payments) Debt-to-EBITDA : 3.78 (As of Dec. 2023)

View and export this data going back to 2014. Start your Free Trial

What is EML Payments Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

EML Payments's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $49.5 Mil. EML Payments's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $15.3 Mil. EML Payments's annualized EBITDA for the quarter that ended in Dec. 2023 was $17.1 Mil. EML Payments's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 was 3.78.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for EML Payments's Debt-to-EBITDA or its related term are showing as below:

EMCHF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.82 Med: 0.71 Max: 5.42
Current: -0.82

During the past 13 years, the highest Debt-to-EBITDA Ratio of EML Payments was 5.42. The lowest was -0.82. And the median was 0.71.

EMCHF's Debt-to-EBITDA is ranked worse than
100% of 1608 companies
in the Software industry
Industry Median: 1.06 vs EMCHF: -0.82

EML Payments Debt-to-EBITDA Historical Data

The historical data trend for EML Payments's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

EML Payments Debt-to-EBITDA Chart

EML Payments Annual Data

Trend

Jun14

Jun15

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Debt-to-EBITDA

Get a 7-Day Free Trial

0.71

2.82

5.42

2.87

-0.41

EML Payments Semi-Annual Data
	Jun14	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
Debt-to-EBITDA	Get a 7-Day Free Trial															6.25	1.87	-0.42	-0.38	3.78

Competitive Comparison of EML Payments's Debt-to-EBITDA

For the Software - Infrastructure subindustry, EML Payments's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

EML Payments's Debt-to-EBITDA Distribution in the Software Industry

For the Software industry and Technology sector, EML Payments's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where EML Payments's Debt-to-EBITDA falls into.

EML Payments Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

EML Payments's Debt-to-EBITDA for the fiscal year that ended in Jun. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(16.746	+	49.356)	/	-163.158
	=	-0.41

EML Payments's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(49.462	+	15.286)	/	17.146
	=	3.78

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Dec. 2023) EBITDA data.

EML Payments (OTCPK:EMCHF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

EML Payments Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of EML Payments's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

EML Payments (EML Payments) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » EML Payments Ltd (OTCPK:EMCHF) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

A8Y1:Germany EML:Australia

Address

333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000

Website

https://www.emlpayments.com

EML Payments is a financial technology company that operates across North America, Europe, and Australia. The firm builds the infrastructure for a customer to facilitate/accept payments via a prepaid card or in real-time. It makes money primarily via clipping a fee on payment transactions. It also earns fees from breakage, inactive accounts, cash establishments and interest on debit volumes. EML's payment solutions cater to a variety of applications including payouts, gifts, incentives, rewards, supplier payments, and more. The firm operates in three segments: gift and incentive, general purpose reloadable, and digital payments.