EarlyPayASX:EPY -4.00%28 FCF Yield % is 23.61 as of Jun. 27, 2026, which is 442% above its 10-year median of 4.36. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.45 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 541 Credit Services companies, EarlyPay ranks better than 82.26% 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.
EarlyPay FCF Yield % Related Terms
EarlyPay FCF Yield % Historical Data
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The historical data trend for EarlyPay'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.
For the Credit Services subindustry, EarlyPay'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.
EarlyPay FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's FCF Yield % distribution charts can be found below:
* The bar in red indicates where EarlyPay'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.
EarlyPay (ASX:EPY) has a FCF Yield % of 23.61 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on EarlyPay and its competitors. This is 442% above median its historical median of 4.36. According to the industry distribution chart, EarlyPay ranks #96 out of 541 companies in the Credit Services industry, placing it in the top 17.7%.
Is EarlyPay's FCF Yield % too high?
EarlyPay's current FCF Yield % of 23.61 is 442% above median its 10-year median of 4.36. Based on the distribution chart, EarlyPay ranks #96 out of 541 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, EarlyPay has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #96 out of 541 companies for FCF Yield %. This places EarlyPay in the top 18% of its industry — outperforming the majority of peers. 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 Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 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 EarlyPay and its competitors. EarlyPay's current FCF Yield % is 23.61, which is 442% above median its own 10-year median of 4.36. 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$0.45, compared to a current price of A$0.12 — trading 73.3% below its estimated fair value. The current FCF Yield % is 23.61, which is 442% above median its 10-year median of 4.36. EarlyPay's overall GF Score™ is 28/100 with 4 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 EarlyPay (ASX:EPY), the current FCF Yield % is 23.61 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 EarlyPay (ASX:EPY) Overvalued in 2026?
Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued.
The current stock price of A$0.12 is trading 73.3% below its estimated GF Value™ of A$0.45.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
FCF Yield %: 23.61 (442% above median its 10-year median of 4.36)
GF Value™: A$0.45 vs. price of A$0.12 (73.3% below fair value)
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.
28GF Score
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