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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.
EarlyPayASX:EPY -4.17%21 EV-to-EBIT is 13.41 as of Jul. 26, 2026, which is 28% below its 10-year median of 18.55. GuruFocus rates ASX:EPY with a GF Score™ of 21/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 312 Credit Services companies, EarlyPay ranks better than 66.99% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, EarlyPay's Enterprise Value is A$237.85 Mil.
EarlyPay's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$17.73 Mil. Therefore, EarlyPay's EV-to-EBIT for today is 13.41.
The historical rank and industry rank for EarlyPay's EV-to-EBIT or its related term are showing as below:
ASX:EPY'
s EV-to-EBIT Range Over the Past 10 Years
Min: 10.64 Med: 18.55 Max: 34.64
Current: 13.41
During the past 13 years, the highest EV-to-EBIT of EarlyPay was 34.64. The lowest was 10.64. And the median was 18.55.
ASX:EPY's EV-to-EBIT is ranked better than 66.99% of 312
companies
in the Credit Services industry
Industry Median: 23.185
vs ASX:EPY: 13.41
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
EarlyPay's Enterprise Value for the quarter that ended in Dec. 2025 was A$259.11 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EarlyPay's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$17.73 Mil.
* 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.
EarlyPay EV-to-EBIT Related Terms
EarlyPay EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for EarlyPay's EV-to-EBIT 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.
For the Credit Services subindustry, EarlyPay'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.
EarlyPay EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where EarlyPay's EV-to-EBIT falls into.
EarlyPay's current Enterprise Value is A$237.85 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EarlyPay's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$17.73 Mil.
* 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.
EarlyPay (ASX:EPY) has a EV-to-EBIT of 13.41 as of Jul. 26, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on EarlyPay and its competitors. This is 28% below median its historical median of 18.55. Over the past decade, EarlyPay's EV-to-EBIT has ranged from 10.64 to 34.64. According to the industry distribution chart, EarlyPay ranks #103 out of 312 companies in the Credit Services industry, placing it in the top 33%.
Is EarlyPay's EV-to-EBIT too high?
EarlyPay's current EV-to-EBIT of 13.41 is 28% below median its 10-year median of 18.55. Over the past 10 years, this metric has ranged from a low of 10.64 to a high of 34.64. The Credit Services industry median EV-to-EBIT is 23.19. EarlyPay's value of 13.41 is 42.2% below this industry median. Based on the distribution chart, EarlyPay ranks #103 out of 312 companies in the Credit Services industry, which is above the industry midpoint. Overall, EarlyPay has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #103 out of 312 companies for EV-to-EBIT. This puts EarlyPay in the upper half of its industry. The industry median EV-to-EBIT is 23.19. EarlyPay's value of 13.41 is 42.2% below this benchmark. Historically, EarlyPay's own EV-to-EBIT has ranged from 10.64 to 34.64 over the past decade. While the company's 10-year median is 18.55 vs. the industry median of 23.19, EarlyPay has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.19, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current EV-to-EBIT of 13.41 is 42.2% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current EV-to-EBIT is 13.41, which is 28% below median its own 10-year median of 18.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EarlyPay stock overvalued right now?
Based on GuruFocus' analysis, EarlyPay (ASX:EPY) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.46, compared to a current price of A$0.12 — trading 75% below its estimated fair value. The current EV-to-EBIT is 13.41, which is 28% below median its 10-year median of 18.55 and 42.2% below the Credit Services industry median of 23.19. EarlyPay's overall GF Score™ is 21/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current EV-to-EBIT is 13.41 as of Jul. 26, 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 EarlyPay (ASX:EPY) Overvalued in 2026?
Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued.
The current stock price of A$0.12 is trading 75% below its estimated GF Value™ of A$0.46.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
EV-to-EBIT: 13.41 (28% below median its 10-year median of 18.55)
GF Value™: A$0.46 vs. price of A$0.12 (75% below fair value)
Industry Position: 42.2% below the Credit Services median (#103 of 312)
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 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.
21GF Score
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