EML Payments (ASX:EML) Long-Term Debt: A$28.4 Mil (As of Jun. 2025)


ASX:EML EML Payments Ltd ASX:EML
28 GF Score
Price A$0.35
GF Value A$0.80
Valuation Possible Value Trap
! 5 Warning Signs
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What is EML Payments Long-Term Debt?

EML Payments ASX:EML -1.43% 28 Long-Term Debt is A$28.4 Mil as of Jun. 2025. GuruFocus rates ASX:EML with a GF Score™ of 28/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review.

EML Payments's Long-Term Debt for the quarter that ended in Jun. 2025 was A$28.4 Mil.

EML Payments's quarterly Long-Term Debt increased from Jun. 2024 (A$0.0 Mil) to Dec. 2024 (A$31.5 Mil) but then declined from Dec. 2024 (A$31.5 Mil) to Jun. 2025 (A$28.4 Mil).

EML Payments's annual Long-Term Debt declined from Jun. 2023 (A$68.8 Mil) to Jun. 2024 (A$0.0 Mil) but then increased from Jun. 2024 (A$0.0 Mil) to Jun. 2025 (A$28.4 Mil).

EML Payments  (ASX:EML) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

EML Payments Long-Term Debt Related Terms

EML Payments Long-Term Debt Historical Data

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The historical data trend for EML Payments's Long-Term Debt 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.

EML Payments Long-Term Debt Chart

EML Payments Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 36.86 81.62 68.79 0.00 28.40

EML Payments Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25
Long-Term Debt 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 68.79 22.84 0.00 31.45 28.40
ASX:EML
28GF Score
EML Payments Ltd ASX:EML
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of A$28.4 Mil mean?
EML Payments (ASX:EML) has a Long-Term Debt of A$28.4 Mil as of Jun. 2025.
Is EML Payments' Long-Term Debt too high?
EML Payments' current Long-Term Debt is A$28.4 Mil. Overall, EML Payments 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 EML Payments' Long-Term Debt compare to MSFT and ORCL?
EML Payments' Long-Term Debt of A$28.4 Mil 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 Long-Term Debt for a Software company?
A good Long-Term Debt depends on the Software industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. EML Payments's current Long-Term Debt is A$28.4 Mil. 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$0.35 — trading 56.9% below its estimated fair value. The current Long-Term Debt is A$28.4 Mil. EML Payments' overall GF Score™ is 28/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Long-Term Debt is A$28.4 Mil 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$0.35 is trading 56.9% below its estimated GF Value™ of A$0.80. GuruFocus considers EML Payments to be Possible Value Trap.

Key valuation signals for ASX:EML:

  • Long-Term Debt: A$28.4 Mil
  • GF Value™: A$0.80 vs. price of A$0.35 (56.9% below fair value)
  • GF Score™: 28/100 with 5 warning signs

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 Business Description

Other Exchanges A8Y1:Germany
Address 333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000
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.
28GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.35
Price
A$0.80
GF Value