EML Payments (ASX:EML) EBIT: A$-35.8 Mil (TTM As of Jun. 2025)

What is EML Payments EBIT?

EML Payments ASX:EML -4.69% 27 EBIT is A$-35.8 Mil as of Jun. 2025. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.79 (Possible Value Trap). The stock has 5 warning signs investors should review.

EML Payments's earnings before interest and taxes (EBIT) for the six months ended in Jun. 2025 was A$-52.8 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2025 was A$-35.8 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. EML Payments's annualized ROC % for the quarter that ended in Jun. 2025 was -5.15%. EML Payments's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2025 was -1,553.05%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. EML Payments's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2025 was 2.04%.

EML Payments (ASX:EML) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

EML Payments's annualized ROC % for the quarter that ended in Jun. 2025 is calculated as:

	ROC % (Q: Jun. 2025 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Dec. 2024 )	+	Invested Capital (Q: Jun. 2025 ))	/ count )
=	-162.692 * ( 1 - 0% )	/	( (3204.709	+	3114.423)	/ 2 )
=	-162.692	/	3159.566
=	-5.15 %

where

	Invested Capital		(Q: Dec. 2024 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	2829.432	-	62.478	-	( 2098.464	-	max(0, 2606.414	-	2168.659	+	2098.464	))
=	3204.709

	Invested Capital		(Q: Jun. 2025 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	2682.367	-	70.674	-	( 1925.103	-	max(0, 2494.663	-	1991.933	+	1925.103	))
=	3114.423

Note: The Operating Income data used here is two times the semi-annual (Jun. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

EML Payments's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2025 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Jun. 2025 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Dec. 2024		Q: Jun. 2025
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	-105.53	/	( ( (7.498 + max(-2516.755, 0))	+	(6.092 + max(-2406.59, 0)) )	/	2 )
=	-105.53	/	( ( 7.498	+	6.092 )	/	2 )
=	-105.53	/	6.795
=	-1,553.05 %

where Working Capital is:

	Working Capital		(Q: Dec. 2024 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(41.003	+	0	+	29.192)	-	(62.478	+	0.372	+	2524.1)
=	-2516.755

	Working Capital		(Q: Jun. 2025 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(36.122	+	0	+	28.664)	-	(70.674	+	1.889	+	2398.813)
=	-2406.59

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Jun. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

EML Payments's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Jun. 2025 )
	=	-35.823	/	-1752.484
	=	2.04 %

* 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 EBIT Related Terms

EML Payments EBIT Historical Data

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The historical data trend for EML Payments's EBIT can be seen below:

EML Payments EBIT Chart

EML Payments Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

EBIT

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-21.50

1.91

-278.18

7.63

-35.82

EML Payments Semi-Annual Data
	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25
EBIT	Get a 7-Day Free Trial															-150.01	-1.26	8.89	16.94	-52.77

ASX:EML vs MSFT, ORCL, PLTR: EBIT Comparison

For the Software - Infrastructure subindustry, EML Payments's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Software Industry

For the Software industry and Technology sector, EML Payments's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where EML Payments's EV-to-EBIT falls into.

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27GF Score

EML Payments Ltd ASX:EML

EBIT is just one metric. See GF Score™, valuation, warning signs, and more.

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EML Payments EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was A$-35.8 Mil.

Frequently Asked Questions Learn more about EBIT →

What does a EBIT of A$-35.8 Mil mean?

EML Payments (ASX:EML) has a EBIT of A$-35.8 Mil as of Jun. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on EML Payments.

Is EML Payments' EBIT too high?

EML Payments' current EBIT is A$-35.8 Mil. 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' EBIT compare to MSFT and ORCL?

EML Payments' EBIT of A$-35.8 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EBIT for a Software company?

A good EBIT depends on the Software industry context. However, EBIT 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 EBIT mean?

A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on EML Payments. EML Payments's current EBIT is A$-35.8 Mil. 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$0.79, compared to a current price of A$0.31 — trading 61.4% below its estimated fair value. The current EBIT is A$-35.8 Mil. 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 EBIT calculated?

EBIT is calculated from a company's financial statements. For EML Payments (ASX:EML), the current EBIT is A$-35.8 Mil 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$0.31 is trading 61.4% below its estimated GF Value™ of A$0.79. GuruFocus considers EML Payments to be Possible Value Trap.

Key valuation signals for ASX:EML:

EBIT: A$-35.8 Mil
GF Value™: A$0.79 vs. price of A$0.31 (61.4% below fair value)
GF Score™: 27/100 with 5 warning signs

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 Business Description

Industry Technology Software

Comparable Companies ASX:VFY ASX:WRK ASX:DAI ASX:ACE ASX:AV1 ASX:B4P ASX:FND ASX:RZI ASX:SEN ASX:CC5 MSFT ORCL PLTR PANW CRWD FTNT SNPS HKSE:02513 NET CRWV

Other Exchanges A8Y1:Germany

Address 333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000

Website https://www.emlpayments.com

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.

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

A$0.31

Price

A$0.79

GF Value

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