EML PaymentsASX:EML -4.69%27 FCF Margin % is 14.31% as of Jun. 2025, which is 126% above its 10-year median of 6.32. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.79 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,811 Software companies, EML Payments ranks better than 62.54% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. EML Payments's Free Cash Flow for the
six
months ended in Jun. 2025 was A$12.0 Mil. EML Payments's Revenue for the
six
months ended in Jun. 2025 was A$83.8 Mil. Therefore, EML Payments's FCF Margin % for the quarter that ended in Jun. 2025 was 14.31%.
The historical rank and industry rank for EML Payments's FCF Margin % or its related term are showing as below:
ASX:EML'
s FCF Margin % Range Over the Past 10 Years
Min: -24.75 Med: 6.32 Max: 29.1
Current: 6.83
During the past 13 years, the highest FCF Margin % of EML Payments was 29.10%. The lowest was -24.75%. And the median was 6.32%.
ASX:EML's FCF Margin % is ranked better than 62.54% of 2811
companies
in the Software industry
Industry Median: 2.4
vs ASX:EML: 6.83
EML Payments FCF Margin % Related Terms
EML Payments FCF Margin % Historical Data
* Premium members only.
The historical data trend for EML Payments's FCF Margin % 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: FCF Margin % Comparison
For the Software - Infrastructure subindustry, EML Payments's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Software Industry
For the Software industry and Technology sector, EML Payments's FCF Margin % distribution charts can be found below:
* The bar in red indicates where EML Payments's FCF Margin % falls into.
* 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 FCF Margin % of 14.31% as of Jun. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EML Payments and its competitors. This is 126% above median its historical median of 6.32. According to the industry distribution chart, EML Payments ranks #1053 out of 2811 companies in the Software industry, placing it in the top 37.5%.
Is EML Payments' FCF Margin % too high?
EML Payments' current FCF Margin % of 14.31% is 126% above median its 10-year median of 6.32. The Software industry median FCF Margin % is 2.40. EML Payments' value of 14.31% is 496.3% above this industry median. Based on the distribution chart, EML Payments ranks #1053 out of 2811 companies in the Software industry, which is above the industry midpoint. Overall, EML Payments has a GF Score™ of 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' FCF Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #1053 out of 2811 companies for FCF Margin %. This puts EML Payments in the upper half of its industry. The industry median FCF Margin % is 2.40. EML Payments' value of 14.31% is 496.3% above this benchmark. While the company's 10-year median is 6.32 vs. the industry median of 2.40, 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 FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.40, based on 2,811 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current FCF Margin % of 14.31% is 496.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EML Payments and its competitors. For the Software industry, the median FCF Margin % is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current FCF Margin % is 14.31%, which is 126% above median its own 10-year median of 6.32. 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$0.79, compared to a current price of A$0.31 — trading 61.4% below its estimated fair value. The current FCF Margin % is 14.31%, which is 126% above median its 10-year median of 6.32 and 496.3% above the Software industry median of 2.40. EML Payments' overall GF Score™ is 27/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current FCF Margin % is 14.31% 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$0.31 is trading 61.4% below its estimated GF Value™ of A$0.79.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
FCF Margin %: 14.31% (126% above median its 10-year median of 6.32)
GF Value™: A$0.79 vs. price of A$0.31 (61.4% below fair value)
Industry Position: 496.3% above the Software median (#1053 of 2811)
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.
27GF Score
Get the complete analysis for ASX:EML
FCF Margin % 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:EML has been successfully added to your 
