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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 25 EV-to-FCF is 34.41 as of Jul. 14, 2026, which is 21% above its 10-year median of 28.42. GuruFocus rates ASX:EPY with a GF Score™ of 25/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 264 Credit Services companies, EarlyPay ranks worse than 70.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, EarlyPay's Enterprise Value is A$240.32 Mil.
EarlyPay's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$6.98 Mil. Therefore, EarlyPay's EV-to-FCF for today is 34.41.
The historical rank and industry rank for EarlyPay's EV-to-FCF or its related term are showing as below:
ASX:EPY'
s EV-to-FCF Range Over the Past 10 Years
Min: -20.6 Med: 28.42 Max: 169.12
Current: 34.41
During the past 13 years, the highest EV-to-FCF of EarlyPay was 169.12. The lowest was -20.60. And the median was 28.42.
ASX:EPY's EV-to-FCF is ranked worse than 70.08% of 264
companies
in the Credit Services industry
Industry Median: 13.455
vs ASX:EPY: 34.41
EV-to-FCF 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-FCF 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$0.125.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
EarlyPay EV-to-FCF Related Terms
EarlyPay EV-to-FCF Historical Data
* Premium members only.
The historical data trend for EarlyPay's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where EarlyPay's EV-to-FCF falls into.
EarlyPay's current Enterprise Value is A$240.32 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EarlyPay's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$6.98 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-FCF of 34.41 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EarlyPay and its competitors. This is 21% above median its historical median of 28.42. According to the industry distribution chart, EarlyPay ranks #185 out of 264 companies in the Credit Services industry, placing it in the top 70.1%.
Is EarlyPay's EV-to-FCF too high?
EarlyPay's current EV-to-FCF of 34.41 is 21% above median its 10-year median of 28.42. The Credit Services industry median EV-to-FCF is 13.46. EarlyPay's value of 34.41 is 155.7% above this industry median. Based on the distribution chart, EarlyPay ranks #185 out of 264 companies in the Credit Services industry, which is below the industry midpoint. Overall, EarlyPay has a GF Score™ of 25/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #185 out of 264 companies for EV-to-FCF. This places EarlyPay in the lower half of its industry. The industry median EV-to-FCF is 13.46. EarlyPay's value of 34.41 is 155.7% above this benchmark. While the company's 10-year median is 28.42 vs. the industry median of 13.46, EarlyPay 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.46, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current EV-to-FCF of 34.41 is 155.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current EV-to-FCF is 34.41, which is 21% above median its own 10-year median of 28.42. 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$0.13 — trading 72.8% below its estimated fair value. The current EV-to-FCF is 34.41, which is 21% above median its 10-year median of 28.42 and 155.7% above the Credit Services industry median of 13.46. EarlyPay's overall GF Score™ is 25/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current EV-to-FCF is 34.41 as of Jul. 14, 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$0.13 is trading 72.8% 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-FCF: 34.41 (21% above median its 10-year median of 28.42)
GF Value™: A$0.46 vs. price of A$0.13 (72.8% below fair value)
Industry Position: 155.7% above the Credit Services median (#185 of 264)
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.
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