EarlyPay (ASX:EPY) YoY EBITDA Growth: -10.64% (As of Dec. 2025)

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ASX:EPY EarlyPay Ltd ASX:EPY
26 GF Score
Price A$0.14
GF Value A$0.47
Valuation Possible Value Trap
! 4 Warning Signs
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What is EarlyPay YoY EBITDA Growth?

EarlyPay ASX:EPY +16.67% 26 YoY EBITDA Growth is -10.64% as of Dec. 2025. GuruFocus rates ASX:EPY with a GF Score™ of 26/100 and a GF Value™ of A$0.47 (Possible Value Trap). The stock has 4 warning signs investors should review.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. EarlyPay's YoY EBITDA Growth for the quarter that ended in Dec. 2025 was -10.64%.

EarlyPay's EBITDA per Share for the six months ended in Dec. 2025 was A$0.04.

EarlyPay YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for EarlyPay's YoY EBITDA Growth 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.

EarlyPay YoY EBITDA Growth Chart

EarlyPay Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
YoY EBITDA Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.99 7.87 -62.50 147.22 -1.12

EarlyPay Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
YoY EBITDA Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 350.00 69.23 4.44 -6.82 -10.64
ASX:EPY
26GF Score
EarlyPay Ltd ASX:EPY
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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EarlyPay YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

EarlyPay's YoY EBITDA Growth for the fiscal year that ended in Jun. 2025 is calculated as:

YoY EBITDA Growth (A: Jun. 2025 )
=(EBITDA per Share (A: Jun. 2025 )-EBITDA per Share (A: Jun. 2024 ))/ | EBITDA per Share (A: Jun. 2024 ) |
=(0.088-0.089)/ | 0.089 |
=-1.12 %

EarlyPay's YoY EBITDA Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EBITDA Growth (Q: Dec. 2025 )
=(EBITDA per Share (Q: Dec. 2025 )-EBITDA per Share (Q: Dec. 2024 )) / | EBITDA per Share (Q: Dec. 2024 )) |
=(0.042-0.047)/ | 0.047 |
=-10.64 %

* 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.

Frequently Asked Questions Learn more about YoY EBITDA Growth →
What does a YoY EBITDA Growth of -10.64% mean?
EarlyPay (ASX:EPY) has a YoY EBITDA Growth of -10.64% as of Dec. 2025. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for EarlyPay and its competitors.
Is EarlyPay's YoY EBITDA Growth too high?
EarlyPay's current YoY EBITDA Growth is -10.64%. Overall, EarlyPay has a GF Score™ of 26/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's YoY EBITDA Growth compare to V and MA?
EarlyPay's YoY EBITDA Growth of -10.64% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EBITDA Growth for a Credit Services company?
A good YoY EBITDA Growth depends on the Credit Services industry context. However, YoY EBITDA Growth 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 YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for EarlyPay and its competitors. EarlyPay's current YoY EBITDA Growth is -10.64%. 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$0.47, compared to a current price of A$0.14 — trading 70.2% below its estimated fair value. The current YoY EBITDA Growth is -10.64%. EarlyPay's overall GF Score™ is 26/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current YoY EBITDA Growth is -10.64% as of Dec. 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 EarlyPay (ASX:EPY) Overvalued in 2026?

Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued. The current stock price of A$0.14 is trading 70.2% below its estimated GF Value™ of A$0.47. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • YoY EBITDA Growth: -10.64%
  • GF Value™: A$0.47 vs. price of A$0.14 (70.2% below fair value)
  • GF Score™: 26/100 with 4 warning signs

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 Business Description

Address 201 Miller Street, Level 5, North Sydney, Sydney, NSW, AUS, 2060
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.
26GF Score

Get the complete analysis for ASX:EPY

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.14
Price
A$0.47
GF Value