Net margin is calculated as Net Income divided by its Revenue. EML Payments's Net Income for the
six
months ended in Jun. 2025 was A$-62.6 Mil. EML Payments's Revenue for the
six
months ended in Jun. 2025 was A$83.8 Mil. Therefore, EML Payments's net margin for the quarter that ended in Jun. 2025 was -74.76%.
The historical rank and industry rank for EML Payments's Net Margin % or its related term are showing as below:
ASX:EML'
s Net Margin % Range Over the Past 10 Years
Min: -128.48 Med: -3.57 Max: 8.95
Current: -33.8
ASX:EML's Net Margin % is ranked worse than 81.2% of 2825
companies
in the Software industry
Industry Median: 2.54
vs ASX:EML: -33.80
EML Payments (ASX:EML) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
EML Payments Net Margin % Related Terms
EML Payments Net Margin % Historical Data
* Premium members only.
The historical data trend for EML Payments's Net Margin % 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: Net Margin % Comparison
For the Software - Infrastructure subindustry, EML Payments's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Software Industry
For the Software industry and Technology sector, EML Payments's Net Margin % distribution charts can be found below:
* The bar in red indicates where EML Payments's Net Margin % falls into.
* 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 Net Margin % of -74.76% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #2294 out of 2825 companies in the Software industry, placing it in the top 81.2%.
Is EML Payments' Net Margin % too high?
EML Payments' current Net Margin % is -74.76%. Based on the distribution chart, EML Payments ranks #2294 out of 2825 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, EML Payments has a GF Score™ of 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EML Payments' Net Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #2294 out of 2825 companies for Net Margin %. This places EML Payments in the lower half of its industry. The industry median Net Margin % is 2.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Software company?
The median Net Margin % among Software companies is 2.54, based on 2,825 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on EML Payments and its competitors. For the Software industry, the median Net Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current Net Margin % is -74.76%. 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$0.79, compared to a current price of A$0.31 — trading 61.4% below its estimated fair value. The current Net Margin % is -74.76%. EML Payments' overall GF Score™ is 27/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Net Margin % is -74.76% 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 61.4% below its estimated GF Value™ of A$0.79.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Net Margin %: -74.76%
GF Value™: A$0.79 vs. price of A$0.31 (61.4% 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.
27GF Score
Get the complete analysis for ASX:EML
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:EML has been successfully added to your 
