EML PaymentsASX:EML 27 Days Payable is 326.34 as of Jun. 2025, which is 36% above its 10-year median of 240.53. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,601 Software companies, EML Payments ranks better than 87.58% on this metric.
The historical rank and industry rank for EML Payments's Days Payable or its related term are showing as below:
ASX:EML'
s Days Payable Range Over the Past 10 Years
Min: 192.5 Med: 240.53 Max: 432.71
Current: 279.7
During the past 13 years, EML Payments's highest Days Payable was 432.71. The lowest was 192.50. And the median was 240.53.
ASX:EML's Days Payable is ranked better than 87.58% of 2601
companies
in the Software industry
Industry Median: 54.04
vs ASX:EML: 279.70
EML Payments's Days Payable
declined
from Jun. 2024 (975.75) to Jun. 2025 (326.34).
It may suggest that EML Paymentsaccelerated paying its suppliers.
EML Payments Days Payable Related Terms
EML Payments Days Payable Historical Data
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The historical data trend for EML Payments's Days Payable 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.
ASX:EML vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, EML Payments's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Software Industry
For the Software industry and Technology sector, EML Payments's Days Payable distribution charts can be found below:
* The bar in red indicates where EML Payments's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
EML Payments's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* 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.
EML Payments (ASX:EML) has a Days Payable of 326.34 as of Jun. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on EML Payments and its competitors. This is 36% above median its historical median of 240.53. Over the past decade, EML Payments' Days Payable has ranged from 192.50 to 432.71. According to the industry distribution chart, EML Payments ranks #323 out of 2601 companies in the Software industry, placing it in the top 12.4%.
Is EML Payments' Days Payable too high?
EML Payments' current Days Payable of 326.34 is 36% above median its 10-year median of 240.53. Over the past 10 years, this metric has ranged from a low of 192.50 to a high of 432.71. The Software industry median Days Payable is 54.04. EML Payments' value of 326.34 is 503.9% above this industry median. Based on the distribution chart, EML Payments ranks #323 out of 2601 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, EML Payments has a GF Score™ of 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #323 out of 2601 companies for Days Payable. This places EML Payments in the top 12% of its industry — outperforming the majority of peers. The industry median Days Payable is 54.04. EML Payments' value of 326.34 is 503.9% above this benchmark. Historically, EML Payments' own Days Payable has ranged from 192.50 to 432.71 over the past decade. While the company's 10-year median is 240.53 vs. the industry median of 54.04, EML Payments has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 54.04, based on 2,601 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current Days Payable of 326.34 is 503.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on EML Payments and its competitors. For the Software industry, the median Days Payable is 54.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current Days Payable is 326.34, which is 36% above median its own 10-year median of 240.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EML Payments stock overvalued right now?
Based on GuruFocus' analysis, EML Payments (ASX:EML) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.80, compared to a current price of A$0.30 — trading 63.1% below its estimated fair value. The current Days Payable is 326.34, which is 36% above median its 10-year median of 240.53 and 503.9% above the Software industry median of 54.04. EML Payments' overall GF Score™ is 27/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Days Payable is 326.34 as of Jun. 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 EML Payments (ASX:EML) Overvalued in 2026?
Based on GuruFocus' analysis, EML Payments stock appears to be undervalued.
The current stock price of A$0.30 is trading 63.1% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Days Payable: 326.34 (36% above median its 10-year median of 240.53)
GF Value™: A$0.80 vs. price of A$0.30 (63.1% below fair value)
Industry Position: 503.9% above the Software median (#323 of 2601)
No single metric tells the full story. See the ASX:EML stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
27GF Score
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