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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. EML Payments's Total Liabilities for the quarter that ended in Jun. 2025 was A$2,535.9 Mil. EML Payments's Total Assets for the quarter that ended in Jun. 2025 was A$2,682.4 Mil.
Therefore, EML Payments's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2025 was 0.95.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
EML Payments Liabilities-to-Assets Related Terms
EML Payments Liabilities-to-Assets Historical Data
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The historical data trend for EML Payments's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Software - Infrastructure subindustry, EML Payments's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Software Industry
For the Software industry and Technology sector, EML Payments's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where EML Payments's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
EML Payments's Liabilities-to-Assets Ratio for the fiscal year that ended in Jun. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.95 as of Jun. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on EML Payments and its competitors.
Is EML Payments' Liabilities-to-Assets too high?
EML Payments' current Liabilities-to-Assets is 0.95. Overall, EML Payments has a GF Score™ of 18/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' Liabilities-to-Assets compare to MSFT and ORCL?
EML Payments' Liabilities-to-Assets of 0.95 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Software company?
A good Liabilities-to-Assets depends on the Software industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on EML Payments and its competitors. EML Payments's current Liabilities-to-Assets is 0.95. 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$0.33 — trading 58.8% below its estimated fair value. The current Liabilities-to-Assets is 0.95. EML Payments' overall GF Score™ is 18/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Liabilities-to-Assets is 0.95 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$0.33 is trading 58.8% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Liabilities-to-Assets: 0.95
GF Value™: A$0.80 vs. price of A$0.33 (58.8% below fair value)
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.
18GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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