EML PaymentsASX:EML 27 FCF Yield % is 9.41 as of Jun. 27, 2026, which is 684% above its 10-year median of 1.20. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,868 Software companies, EML Payments ranks better than 83.33% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
EML Payments FCF Yield % Related Terms
EML Payments FCF Yield % Historical Data
* Premium members only.
The historical data trend for EML Payments's FCF Yield % 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 Yield % Comparison
For the Software - Infrastructure subindustry, EML Payments's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Software Industry
For the Software industry and Technology sector, EML Payments's FCF Yield % distribution charts can be found below:
* The bar in red indicates where EML Payments's FCF Yield % 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 Yield % of 9.41 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on EML Payments and its competitors. This is 684% above median its historical median of 1.20. According to the industry distribution chart, EML Payments ranks #478 out of 2868 companies in the Software industry, placing it in the top 16.7%.
Is EML Payments' FCF Yield % too high?
EML Payments' current FCF Yield % of 9.41 is 684% above median its 10-year median of 1.20. The Software industry median FCF Yield % is 0.89. EML Payments' value of 9.41 is 963.3% above this industry median. Based on the distribution chart, EML Payments ranks #478 out of 2868 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 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' FCF Yield % compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #478 out of 2868 companies for FCF Yield %. This places EML Payments in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 0.89. EML Payments' value of 9.41 is 963.3% above this benchmark. While the company's 10-year median is 1.20 vs. the industry median of 0.89, 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 Yield % for a Software company?
The median FCF Yield % among Software companies is 0.89, based on 2,868 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current FCF Yield % of 9.41 is 963.3% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on EML Payments and its competitors. For the Software industry, the median FCF Yield % is 0.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current FCF Yield % is 9.41, which is 684% above median its own 10-year median of 1.20. 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$0.30 — trading 63.1% below its estimated fair value. The current FCF Yield % is 9.41, which is 684% above median its 10-year median of 1.20 and 963.3% above the Software industry median of 0.89. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current FCF Yield % is 9.41 as of Jun. 27, 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 (ASX:EML) Overvalued in 2026?
Based on GuruFocus' analysis, EML Payments stock appears to be undervalued.
The current stock price of A$0.30 is trading 63.1% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
FCF Yield %: 9.41 (684% above median its 10-year median of 1.20)
GF Value™: A$0.80 vs. price of A$0.30 (63.1% below fair value)
Industry Position: 963.3% above the Software median (#478 of 2868)
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 Yield % 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 
