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EML PaymentsASX:EML -1.52%35 Equity-to-Asset is 0.06 as of Jun. 2025, which is 71% below its 10-year median of 0.21. GuruFocus rates ASX:EML with a GF Score™ of 35/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,890 Software companies, EML Payments ranks worse than 90.42% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. EML Payments's Total Stockholders Equity for the quarter that ended in Jun. 2025 was A$146.4 Mil. EML Payments's Total Assets for the quarter that ended in Jun. 2025 was A$2,682.4 Mil.
Therefore, EML Payments's Equity to Asset Ratio for the quarter that ended in Jun. 2025 was 0.06.
The historical rank and industry rank for EML Payments's Equity-to-Asset or its related term are showing as below:
ASX:EML'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.21 Max: 0.8
Current: 0.06
During the past 13 years, the highest Equity to Asset Ratio of EML Payments was 0.80. The lowest was 0.04. And the median was 0.21.
ASX:EML's Equity-to-Asset is ranked worse than 90.42% of 2890
companies
in the Software industry
Industry Median: 0.56
vs ASX:EML: 0.06
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
EML Payments Equity-to-Asset Related Terms
EML Payments Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for EML Payments's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, EML Payments's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, EML Payments's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where EML Payments's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
EML Payments's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.06 as of Jun. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on EML Payments and its competitors. This is 71% below median its historical median of 0.21. Over the past decade, EML Payments' Equity-to-Asset has ranged from 0.04 to 0.80. According to the industry distribution chart, EML Payments ranks #2613 out of 2890 companies in the Software industry, placing it in the top 90.4%.
Is EML Payments' Equity-to-Asset too high?
EML Payments' current Equity-to-Asset of 0.06 is 71% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.80. The Software industry median Equity-to-Asset is 0.56. EML Payments' value of 0.06 is 89.3% below this industry median. Based on the distribution chart, EML Payments ranks #2613 out of 2890 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, EML Payments has a GF Score™ of 35/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' Equity-to-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #2613 out of 2890 companies for Equity-to-Asset. This places EML Payments in the lower half of its industry. The industry median Equity-to-Asset is 0.56. EML Payments' value of 0.06 is 89.3% below this benchmark. Historically, EML Payments' own Equity-to-Asset has ranged from 0.04 to 0.80 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.56, EML Payments 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,890 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current Equity-to-Asset of 0.06 is 89.3% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on EML Payments and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current Equity-to-Asset is 0.06, which is 71% below median its own 10-year median of 0.21. 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$0.33 — trading 59.4% below its estimated fair value. The current Equity-to-Asset is 0.06, which is 71% below median its 10-year median of 0.21 and 89.3% below the Software industry median of 0.56. EML Payments' overall GF Score™ is 35/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Equity-to-Asset is 0.06 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$0.33 is trading 59.4% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Equity-to-Asset: 0.06 (71% below median its 10-year median of 0.21)
GF Value™: A$0.80 vs. price of A$0.33 (59.4% below fair value)
Industry Position: 89.3% below the Software median (#2613 of 2890)
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.
35GF Score
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