Business Description
EML Payments Ltd
ISIN : AU000000EML7
Total Employee Number:
430Description
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 across three product offerings: gift and incentive cards, general-purpose reloadable cards, and digital payments.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 19.74 | |||||
Equity-to-Asset | 0.05 | |||||
Debt-to-Equity | 0.69 | |||||
Debt-to-EBITDA | -4.34 | |||||
Piotroski F-Score | 3/9 | |||||
Altman Z-Score | -0.39 | |||||
Beneish M-Score | -2.83 | |||||
WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -13.2 | |||||
3-Year EPS without NRI Growth Rate | 44.6 | |||||
3-Year FCF Growth Rate | -39 | |||||
3-Year Book Growth Rate | -10.5 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 3.93 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 44.75 | |||||
9-Day RSI | 44.58 | |||||
14-Day RSI | 45.81 | |||||
3-1 Month Momentum % | -26.39 | |||||
6-1 Month Momentum % | -57.94 | |||||
12-1 Month Momentum % | -72.59 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.8 | |||||
Quick Ratio | 0.8 | |||||
Cash Ratio | 0.78 | |||||
Days Sales Outstanding | 65.97 | |||||
Days Payable | 184.39 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -1.3 | |||||
Shareholder Yield % | -42.04 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 65.1 | |||||
Operating Margin % | -68.36 | |||||
Net Margin % | -33.8 | |||||
EBITDA Margin % | -13.04 | |||||
FCF Margin % | 6.56 | |||||
OCF Margin % | 10.46 | |||||
ROE % | -38.61 | |||||
ROA % | -2.07 | |||||
ROIC % | -3.59 | |||||
3-Year ROIIC % | -1.65 | |||||
ROC (Joel Greenblatt) % | -565.92 | |||||
ROCE % | -17.56 | |||||
Years of Profitability over Past 10-Year | 3 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Forward PE Ratio | 10.14 | |||||
PS Ratio | 0.54 | |||||
PB Ratio | 0.67 | |||||
Price-to-Tangible-Book | 3.63 | |||||
Price-to-Free-Cash-Flow | 8.04 | |||||
Price-to-Operating-Cash-Flow | 5.11 | |||||
EV-to-EBIT | 44.3 | |||||
EV-to-EBITDA | 77.07 | |||||
EV-to-Revenue | -10.05 | |||||
EV-to-Forward-Revenue | 0.77 | |||||
EV-to-FCF | -147.1 | |||||
Price-to-GF-Value | 0.3 | |||||
Price-to-Projected-FCF | 2.18 | |||||
Price-to-Median-PS-Value | 0.1 | |||||
Earnings Yield (Greenblatt) % | 2.26 | |||||
FCF Yield % | 12.31 | |||||
Forward Rate of Return (Yacktman) % | 19.88 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
EML Payments Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 92.14 | ||
| EPS (TTM) (€) | -0.078 | ||
| Beta | -0.5961 | ||
| 3-Year Sharpe Ratio | -0.51 | ||
| 3-Year Sortino Ratio | -0.73 | ||
| Volatility % | 49.92 | ||
| 14-Day RSI | 45.81 | ||
| 14-Day ATR (€) | 0.051339 | ||
| 20-Day SMA (€) | 0.1401 | ||
| 12-1 Month Momentum % | -72.59 | ||
| 52-Week Range (€) | 0.071 - 0.605 | ||
| Shares Outstanding (Mil) | 389.47 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 3 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
EML Payments Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
EML Payments Ltd Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Second quarter earnings results for 2027 | 2027-02-25 | In 178 days | ||
| General meeting for 2026 | 2026-11-19 10:00 | In 81 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-18 09:00 | 0.18 (-7.54%) | ||
| Annual report for 2026 | 2026-08-18 | 0.18 (-7.54%) | ||
| Fourth quarter earnings results for 2026 | 2026-08-18 | 0.18 (-7.54%) | ||
| Second quarter earnings results for 2026 | 2026-02-25 | 0.41 (-1.93%) | ||
| General meeting for 2025 | 2025-11-19 10:00 | 0.47 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2025-08-27 09:00 | 0.59 (+0.00%) | ||
| Annual report for 2025 | 2025-08-27 | 0.59 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2025-08-27 | 0.59 (+0.00%) |
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EML Payments Ltd Frequently Asked Questions
What is EML Payments Ltd(STU:A8Y1)'s stock price today?
The current price of STU:A8Y1 is €0.11. The 52 week high of STU:A8Y1 is €0.61 and 52 week low is €0.07.
When is next earnings date of EML Payments Ltd(STU:A8Y1)?
The next earnings date of EML Payments Ltd(STU:A8Y1) is 2027-02-25 Est..
Does EML Payments Ltd(STU:A8Y1) pay dividends? If so, how much?
EML Payments Ltd(STU:A8Y1) does not pay dividend.
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