EMCHF (EML Payments) Debt-to-EBITDA : N/A (As of Jun. 2026)

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EMCHF EML Payments Ltd EMCHF
43 GF Score
Price $0.20
GF Value $1.20
Valuation Possible Value Trap
! 5 Warning Signs
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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 Jun. 2026 was $2.8 Mil. EML Payments's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $60.0 Mil. EML Payments's annualized EBITDA for the quarter that ended in Jun. 2026 was $0.0 Mil.

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: -4.34   Med: 2.8   Max: 37.89
Current: -4.34

During the past 13 years, the highest Debt-to-EBITDA Ratio of EML Payments was 37.89. The lowest was -4.34. And the median was 2.80.

EMCHF's Debt-to-EBITDA is ranked worse than
100% of 1736 companies
in the Software industry
Industry Median: 0.98 vs EMCHF: -4.34

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

EML Payments Debt-to-EBITDA Historical Data

* Premium members only.

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.

EML Payments Debt-to-EBITDA Chart

EML Payments Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.87 -0.41 2.79 -2.63 37.89

EML Payments Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Jun26
Debt-to-EBITDA 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 3.78 2.30 1.04 -0.60 N/A

EMCHF vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison

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 Debt-to-EBITDA vs 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.


EMCHF
43GF Score
EML Payments Ltd EMCHF
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(2.753 + 60.03) / 1.657
=37.89

EML Payments's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(2.753 + 60.03) / 0
=N/A

* 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.

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 (Jun. 2026) EBITDA data.

Is EML Payments (EMCHF) Overvalued in 2026?

Based on GuruFocus' analysis, EML Payments stock appears to be undervalued. The current stock price of $0.20 is trading 83.4% below its estimated GF Value™ of $1.20. GuruFocus considers EML Payments to be Possible Value Trap.

Key valuation signals for EMCHF:

  • Debt-to-EBITDA: N/A
  • GF Value™: $1.20 vs. price of $0.20 (83.4% below fair value)
  • GF Score™: 43/100 with 5 warning signs

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

EML Payments Business Description

Other Exchanges A8Y1:GermanyEML:Australia
Address 333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000
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.
43GF Score

Get the complete analysis for EMCHF

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.20
Price
$1.20
GF Value