EML Payments (ASX:EML) LT-Debt-to-Total-Asset: 0.01 (As of Jun. 2025)

What is EML Payments LT-Debt-to-Total-Asset?

EML Payments ASX:EML 28 LT-Debt-to-Total-Asset is 0.01 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. EML Payments's long-term debt to total assests ratio for the quarter that ended in Jun. 2025 was 0.01.

EML Payments's long-term debt to total assets ratio increased from Jun. 2024 (0.00) to Jun. 2025 (0.01). It may suggest that EML Payments is progressively becoming more dependent on debt to grow their business.

EML Payments (ASX:EML) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

EML Payments LT-Debt-to-Total-Asset Related Terms

EML Payments LT-Debt-to-Total-Asset Historical Data

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The historical data trend for EML Payments's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

EML Payments Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.02

0.03

0.00

0.01

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.01	0.00	0.01	0.01

28GF Score

EML Payments Ltd ASX:EML

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EML Payments LT-Debt-to-Total-Asset Calculation

EML Payments's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	30.79	/	2682.367
	=	0.01

EML Payments's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (Q: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Jun. 2025 )	/	Total Assets (Q: Jun. 2025 )
	=	30.79	/	2682.367
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

EML Payments (ASX:EML) has a LT-Debt-to-Total-Asset of 0.01 as of Jun. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on EML Payments and its competitors.

Is EML Payments' LT-Debt-to-Total-Asset too high?

EML Payments' current LT-Debt-to-Total-Asset is 0.01. 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' LT-Debt-to-Total-Asset compare to MSFT and ORCL?

EML Payments' LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Software company?

A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on EML Payments and its competitors. EML Payments's current LT-Debt-to-Total-Asset is 0.01. 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$0.31 — trading 61.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For EML Payments (ASX:EML), the current LT-Debt-to-Total-Asset is 0.01 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$0.31 is trading 61.9% below its estimated GF Value™ of A$0.80. GuruFocus considers EML Payments to be Possible Value Trap.

Key valuation signals for ASX:EML:

LT-Debt-to-Total-Asset: 0.01
GF Value™: A$0.80 vs. price of A$0.31 (61.9% 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

Industry Technology Software

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Other Exchanges A8Y1:Germany

Address 333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000

Website https://www.emlpayments.com

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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A$0.31

Price

A$0.80

GF Value

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