EarlyPay (ASX:EPY) Defensive Interval Ratio

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
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What is EarlyPay Defensive Interval Ratio?

ASX:EPY
25GF Score
EarlyPay Ltd ASX:EPY
Defensive Interval Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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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 72.8% below its estimated GF Value™ of A$0.46. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • Defensive Interval Ratio:
  • GF Value™: A$0.46 vs. price of A$0.13 (72.8% 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

Defensive Interval Ratio 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