EarlyPay (ASX:EPY) Beginning Cash Position: A$37.11 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:EPY EarlyPay Ltd ASX:EPY
25 GF Score
Price A$0.13
GF Value A$0.46
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is EarlyPay Beginning Cash Position?

EarlyPay ASX:EPY +4.00% 25 Beginning Cash Position is A$37.11 Mil as of Dec. 2025. GuruFocus rates ASX:EPY with a GF Score™ of 25/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review.

EarlyPay's Beginning Cash Position for the quarter that ended in Dec. 2025 was A$37.11 Mil.

EarlyPay's quarterly Beginning Cash Position declined from Dec. 2024 (A$40.13 Mil) to Jun. 2025 (A$32.89 Mil) but then increased from Jun. 2025 (A$32.89 Mil) to Dec. 2025 (A$37.11 Mil).

EarlyPay's annual Beginning Cash Position increased from Jun. 2023 (A$52.71 Mil) to Jun. 2024 (A$52.99 Mil) but then declined from Jun. 2024 (A$52.99 Mil) to Jun. 2025 (A$40.13 Mil).

EarlyPay Beginning Cash Position Related Terms

EarlyPay Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for EarlyPay's Beginning Cash Position 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.

EarlyPay Beginning Cash Position Chart

EarlyPay Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 38.20 44.77 52.71 52.99 40.13

EarlyPay Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 52.99 56.24 40.13 32.89 37.11
ASX:EPY
25GF Score
EarlyPay Ltd ASX:EPY
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EarlyPay Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of A$37.11 Mil mean?
EarlyPay (ASX:EPY) has a Beginning Cash Position of A$37.11 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on EarlyPay and its competitors.
Is EarlyPay's Beginning Cash Position too high?
EarlyPay's current Beginning Cash Position is A$37.11 Mil. Overall, EarlyPay has a GF Score™ of 25/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's Beginning Cash Position compare to V and MA?
EarlyPay's Beginning Cash Position of A$37.11 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Credit Services company?
A good Beginning Cash Position depends on the Credit Services industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on EarlyPay and its competitors. EarlyPay's current Beginning Cash Position is A$37.11 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EarlyPay stock overvalued right now?
Based on GuruFocus' analysis, EarlyPay (ASX:EPY) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.46, compared to a current price of A$0.13 — trading 71.7% below its estimated fair value. The current Beginning Cash Position is A$37.11 Mil. EarlyPay's overall GF Score™ is 25/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current Beginning Cash Position is A$37.11 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is EarlyPay (ASX:EPY) Overvalued in 2026?

Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued. The current stock price of A$0.13 is trading 71.7% below its estimated GF Value™ of A$0.46. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • Beginning Cash Position: A$37.11 Mil
  • GF Value™: A$0.46 vs. price of A$0.13 (71.7% below fair value)
  • GF Score™: 25/100 with 4 warning signs

No single metric tells the full story. See the ASX:EPY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

EarlyPay Business Description

Address 201 Miller Street, Level 5, North Sydney, Sydney, NSW, AUS, 2060
EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment.
25GF Score

Get the complete analysis for ASX:EPY

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.13
Price
A$0.46
GF Value