EML Payments (STU:A8Y1) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:A8Y1 EML Payments Ltd STU:A8Y1
35 GF Score
Price €0.17
GF Value €0.41
! 5 Warning Signs
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What is EML Payments Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

STU:A8Y1
35GF Score
EML Payments Ltd STU:A8Y1
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is EML Payments (STU:A8Y1) Overvalued in 2026?

Based on GuruFocus' analysis, EML Payments stock appears to be undervalued. The current stock price of €0.17 is trading 58% below its estimated GF Value™ of €0.41.

Key valuation signals for STU:A8Y1:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €0.41 vs. price of €0.17 (58% below fair value)
  • GF Score™: 35/100 with 5 warning signs

No single metric tells the full story. See the STU:A8Y1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

EML Payments Business Description

Other Exchanges EML:Australia
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.
35GF Score

Get the complete analysis for STU:A8Y1

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.17
Price
€0.41
GF Value