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.
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 +4.35%18 EV-to-OCF is 33.71 as of Aug. 07, 2026, which is 27% above its 10-year median of 26.58. GuruFocus rates ASX:EPY with a GF Score™ of 18/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 545 Credit Services companies, EarlyPay ranks worse than 85.69% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, EarlyPay's Enterprise Value is A$237.85 Mil.
EarlyPay's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$7.06 Mil. Therefore, EarlyPay's EV-to-OCF for today is 33.71.
The historical rank and industry rank for EarlyPay's EV-to-OCF or its related term are showing as below:
ASX:EPY'
s EV-to-OCF Range Over the Past 10 Years
Min: -21.24 Med: 26.58 Max: 159.52
Current: 33.71
During the past 13 years, the highest EV-to-OCF of EarlyPay was 159.52. The lowest was -21.24. And the median was 26.58.
ASX:EPY's EV-to-OCF is ranked worse than 85.69% of 545
companies
in the Credit Services industry
Industry Median: -0.88
vs ASX:EPY: 33.71
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EarlyPay's share price for today is A$0.12.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EarlyPay's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.006.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
EarlyPay EV-to-OCF Related Terms
EarlyPay EV-to-OCF Historical Data
* Premium members only.
The historical data trend for EarlyPay's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where EarlyPay's EV-to-OCF 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 Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$7.06 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-OCF of 33.71 as of Aug. 07, 2026. This is 27% above median its historical median of 26.58. According to the industry distribution chart, EarlyPay ranks #467 out of 545 companies in the Credit Services industry, placing it in the top 85.7%.
Is EarlyPay's EV-to-OCF too high?
EarlyPay's current EV-to-OCF of 33.71 is 27% above median its 10-year median of 26.58. Based on the distribution chart, EarlyPay ranks #467 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, EarlyPay has a GF Score™ of 18/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #467 out of 545 companies for EV-to-OCF. This places EarlyPay in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. EarlyPay's current EV-to-OCF is 33.71, which is 27% above median its own 10-year median of 26.58. 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 73.9% below its estimated fair value. The current EV-to-OCF is 33.71, which is 27% above median its 10-year median of 26.58. EarlyPay's overall GF Score™ is 18/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current EV-to-OCF is 33.71 as of Aug. 07, 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 73.9% 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-OCF: 33.71 (27% above median its 10-year median of 26.58)
GF Value™: A$0.46 vs. price of A$0.12 (73.9% below fair value)
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.
18GF Score
Get the complete analysis for ASX:EPY
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:EPY has been successfully added to your 
