EarlyPay (ASX:EPY) Long-Term Debt: A$0.52 Mil (As of Dec. 2025)


ASX:EPY EarlyPay Ltd ASX:EPY
28 GF Score
Price A$0.13
GF Value A$0.46
Valuation Possible Value Trap
! 4 Warning Signs
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What is EarlyPay Long-Term Debt?

EarlyPay ASX:EPY -3.85% 28 Long-Term Debt is A$0.52 Mil as of Dec. 2025. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review.

EarlyPay's Long-Term Debt for the quarter that ended in Dec. 2025 was A$0.52 Mil.

EarlyPay's quarterly Long-Term Debt declined from Dec. 2024 (A$100.99 Mil) to Jun. 2025 (A$99.05 Mil) and declined from Jun. 2025 (A$99.05 Mil) to Dec. 2025 (A$0.52 Mil).

EarlyPay's annual Long-Term Debt declined from Jun. 2023 (A$141.64 Mil) to Jun. 2024 (A$77.63 Mil) but then increased from Jun. 2024 (A$77.63 Mil) to Jun. 2025 (A$99.05 Mil).

EarlyPay  (ASX:EPY) 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.

EarlyPay Long-Term Debt Related Terms

EarlyPay Long-Term Debt Historical Data

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The historical data trend for EarlyPay'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.

EarlyPay Long-Term Debt Chart

EarlyPay 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 93.41 150.58 141.64 77.63 99.05

EarlyPay Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 131.25 77.63 100.99 99.05 0.52
ASX:EPY
28GF Score
EarlyPay Ltd ASX:EPY
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$0.52 Mil mean?
EarlyPay (ASX:EPY) has a Long-Term Debt of A$0.52 Mil as of Dec. 2025.
Is EarlyPay's Long-Term Debt too high?
EarlyPay's current Long-Term Debt is A$0.52 Mil. 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 Long-Term Debt compare to V and MA?
EarlyPay's Long-Term Debt of A$0.52 Mil 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services 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. EarlyPay's current Long-Term Debt is A$0.52 Mil. 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$0.46, compared to a current price of A$0.13 — trading 72.8% below its estimated fair value. The current Long-Term Debt is A$0.52 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current Long-Term Debt is A$0.52 Mil 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$0.13 is trading 72.8% below its estimated GF Value™ of A$0.46. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • Long-Term Debt: A$0.52 Mil
  • GF Value™: A$0.46 vs. price of A$0.13 (72.8% below fair value)
  • GF Score™: 28/100 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.
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$0.13
Price
A$0.46
GF Value