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EML PaymentsASX:EML -4.62%21 EV-to-EBITDA is 85.11 as of Jul. 27, 2026, which is 344% above its 10-year median of 19.19. GuruFocus rates ASX:EML with a GF Score™ of 21/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,958 Software companies, EML Payments ranks worse than 92.24% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, EML Payments's enterprise value is A$-1,752.6 Mil.
EML Payments's EBITDA for the trailing twelve months (TTM) ended in Jun. 2025 was A$-20.6 Mil. Therefore, EML Payments's EV-to-EBITDA for today is 85.11.
The historical rank and industry rank for EML Payments's EV-to-EBITDA or its related term are showing as below:
ASX:EML'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -123.16 Med: 19.19 Max: 269.13
Current: 85.11
During the past 13 years, the highest EV-to-EBITDA of EML Payments was 269.13. The lowest was -123.16. And the median was 19.19.
ASX:EML's EV-to-EBITDA is ranked worse than 92.24% of 1958
companies
in the Software industry
Industry Median: 10.285
vs ASX:EML: 85.11
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
EML Payments (ASX:EML) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EML Payments's PE Ratio (TTM) for today is calculated as:
EML Payments's share price for today is A$0.31.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EML Payments's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was A$-0.140.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for EML Payments's EV-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.
ASX:EML vs MSFT, ORCL, PLTR: EV-to-EBITDA Comparison
For the Software - Infrastructure subindustry, EML Payments's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Software Industry
For the Software industry and Technology sector, EML Payments's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where EML Payments's EV-to-EBITDA falls into.
EML Payments's current Enterprise Value is A$-1,752.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EML Payments's EBITDA for the trailing twelve months (TTM) ended in Jun. 2025 was A$-20.6 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.
EML Payments (ASX:EML) has a EV-to-EBITDA of 85.11 as of Jul. 27, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on EML Payments. This is 344% above median its historical median of 19.19. According to the industry distribution chart, EML Payments ranks #1806 out of 1958 companies in the Software industry, placing it in the top 92.2%.
Is EML Payments' EV-to-EBITDA too high?
EML Payments' current EV-to-EBITDA of 85.11 is 344% above median its 10-year median of 19.19. The Software industry median EV-to-EBITDA is 10.29. EML Payments' value of 85.11 is 727.5% above this industry median. Based on the distribution chart, EML Payments ranks #1806 out of 1958 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, EML Payments 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 EML Payments' EV-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #1806 out of 1958 companies for EV-to-EBITDA. This places EML Payments in the lower half of its industry. The industry median EV-to-EBITDA is 10.29. EML Payments' value of 85.11 is 727.5% above this benchmark. While the company's 10-year median is 19.19 vs. the industry median of 10.29, EML Payments has consistently been above 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-EBITDA for a Software company?
The median EV-to-EBITDA among Software companies is 10.29, based on 1,958 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current EV-to-EBITDA of 85.11 is 727.5% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on EML Payments. For the Software industry, the median EV-to-EBITDA is 10.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current EV-to-EBITDA is 85.11, which is 344% above median its own 10-year median of 19.19. 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$0.80, compared to a current price of A$0.31 — trading 61.3% below its estimated fair value. The current EV-to-EBITDA is 85.11, which is 344% above median its 10-year median of 19.19 and 727.5% above the Software industry median of 10.29. EML Payments' overall GF Score™ is 21/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For EML Payments (ASX:EML), the current EV-to-EBITDA is 85.11 as of Jul. 27, 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$0.31 is trading 61.3% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
EV-to-EBITDA: 85.11 (344% above median its 10-year median of 19.19)
GF Value™: A$0.80 vs. price of A$0.31 (61.3% below fair value)
Industry Position: 727.5% above the Software median (#1806 of 1958)
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.
21GF Score
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