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EML PaymentsASX:EML +2.13%23 3-Year EPS without NRI Growth Rate is 45.00% as of Jun. 2026. GuruFocus rates ASX:EML with a GF Score™ of 23/100 and a GF Value™ of A$0.76 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,064 Software companies, EML Payments ranks better than 82.07% on this metric.
During the past 3 years, the average EPS without NRI Growth Rate was 45.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -5.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of EML Payments was 54.30% per year. The lowest was -151.40% per year. And the median was -19.10% per year.
EML Payments (ASX:EML) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
EML Payments 3-Year EPS without NRI Growth Rate Related Terms
ASX:EML vs MSFT, PLTR, ORCL: 3-Year EPS without NRI Growth Rate Comparison
For the Software - Infrastructure subindustry, EML Payments's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Software Industry
For the Software industry and Technology sector, EML Payments's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where EML Payments's 3-Year EPS without NRI Growth Rate falls into.
EML Payments 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 45.00% mean?
EML Payments (ASX:EML) has a 3-Year EPS without NRI Growth Rate of 45.00% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #370 out of 2064 companies in the Software industry, placing it in the top 17.9%.
Is EML Payments' 3-Year EPS without NRI Growth Rate too high?
EML Payments' current 3-Year EPS without NRI Growth Rate is 45.00%. The Software industry median 3-Year EPS without NRI Growth Rate is 12.40. EML Payments' value of 45.00% is 262.9% above this industry median. Based on the distribution chart, EML Payments ranks #370 out of 2064 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 23/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' 3-Year EPS without NRI Growth Rate compare to MSFT and PLTR?
According to the Software industry distribution chart, EML Payments ranks #370 out of 2064 companies for 3-Year EPS without NRI Growth Rate. This places EML Payments in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 12.40. EML Payments' value of 45.00% is 262.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Software company?
The median 3-Year EPS without NRI Growth Rate among Software companies is 12.40, based on 2,064 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current 3-Year EPS without NRI Growth Rate of 45.00% is 262.9% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for EML Payments and its competitors. For the Software industry, the median 3-Year EPS without NRI Growth Rate is 12.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current 3-Year EPS without NRI Growth Rate is 45.00%. 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$0.76, compared to a current price of A$0.24 — trading 68.4% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 45.00% and 262.9% above the Software industry median of 12.40. EML Payments' overall GF Score™ is 23/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For EML Payments (ASX:EML), the current 3-Year EPS without NRI Growth Rate is 45.00% as of Jun. 2026. 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$0.24 is trading 68.4% below its estimated GF Value™ of A$0.76.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
3-Year EPS without NRI Growth Rate: 45.00%
GF Value™: A$0.76 vs. price of A$0.24 (68.4% below fair value)
Industry Position: 262.9% above the Software median (#370 of 2064)
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.
23GF Score
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