EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, EML Payments's Enterprise Value is $-1,208.0 Mil.
EML Payments's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was $7.0 Mil. Therefore, EML Payments's EV-to-FCF for today is -171.47.
The historical rank and industry rank for EML Payments's EV-to-FCF or its related term are showing as below:
EMCHF'
s EV-to-FCF Range Over the Past 10 Years
Min: -299.76 Med: 25.13 Max: 600.67
Current: -162.81
During the past 13 years, the highest EV-to-FCF of EML Payments was 600.67. The lowest was -299.76. And the median was 25.13.
EMCHF's EV-to-FCF is ranked better than 99.81% of 1588
companies
in the Software industry
Industry Median: 14.105
vs EMCHF: -162.81
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.
EML Payments's PE Ratio (TTM) for today is calculated as:
EML Payments's share price for today is $0.49115.
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 $-0.092.
* 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.
EML Payments EV-to-FCF Related Terms
EML Payments EV-to-FCF Historical Data
* Premium members only.
The historical data trend for EML Payments'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 Software - Infrastructure subindustry, EML Payments'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.
EML Payments EV-to-FCF vs Software Industry
For the Software industry and Technology sector, EML Payments's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where EML Payments's EV-to-FCF falls into.
EML Payments's current Enterprise Value is $-1,208.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. EML Payments's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was $7.0 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 (EMCHF) has a EV-to-FCF of -171.47 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #3 out of 1588 companies in the Software industry, placing it in the top 0.2%.
Is EML Payments' EV-to-FCF too high?
EML Payments' current EV-to-FCF is -171.47. Based on the distribution chart, EML Payments ranks #3 out of 1588 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, EML Payments has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does EML Payments' EV-to-FCF compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #3 out of 1588 companies for EV-to-FCF. This places EML Payments in the top 0% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 14.11. 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 Software company?
The median EV-to-FCF among Software companies is 14.11, based on 1,588 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. 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 EML Payments and its competitors. For the Software industry, the median EV-to-FCF is 14.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current EV-to-FCF is -171.47. 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?
EML Payments (EMCHF) has a current EV-to-FCF of -171.47. The stock's GF Value™ is $1.33, compared to a current price of $0.49 — trading 63.1% below its estimated fair value. The current EV-to-FCF is -171.47. EML Payments' overall GF Score™ is 28/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For EML Payments (EMCHF), the current EV-to-FCF is -171.47 as of Jul. 01, 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 (EMCHF) Overvalued in 2026?
Based on GuruFocus' analysis, EML Payments stock appears to be undervalued.
The current stock price of $0.49 is trading 63.1% below its estimated GF Value™ of $1.33.
Key valuation signals for EMCHF:
EV-to-FCF: -171.47
GF Value™: $1.33 vs. price of $0.49 (63.1% below fair value)
No single metric tells the full story. See the EMCHF 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.
28GF Score
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