EarlyPayASX:EPY +4.17%32 OCF Margin % is 14.78% as of Dec. 2025, which is 14% below its 10-year median of 17.17. GuruFocus rates ASX:EPY with a GF Score™ of 32/100 and a GF Value™ of A$0.45 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 531 Credit Services companies, EarlyPay ranks better than 68.36% on this metric.
The historical rank and industry rank for EarlyPay's OCF Margin % or its related term are showing as below:
ASX:EPY'
s OCF Margin % Range Over the Past 10 Years
Min: -140.37 Med: 17.17 Max: 48.83
Current: 30.55
During the past 13 years, the highest OCF Margin % of EarlyPay was 48.83%. The lowest was -140.37%. And the median was 17.17%.
ASX:EPY's OCF Margin % is ranked better than 68.36% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs ASX:EPY: 30.55
EarlyPay OCF Margin % Related Terms
EarlyPay OCF Margin % Historical Data
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The historical data trend for EarlyPay's OCF 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.
For the Credit Services subindustry, EarlyPay's OCF Margin %, along with its competitors' market caps and OCF 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.
EarlyPay OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's OCF Margin % distribution charts can be found below:
* The bar in red indicates where EarlyPay's OCF 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.
EarlyPay (ASX:EPY) has a OCF Margin % of 14.78% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on EarlyPay and its competitors. This is 14% below median its historical median of 17.17. According to the industry distribution chart, EarlyPay ranks #168 out of 531 companies in the Credit Services industry, placing it in the top 31.6%.
Is EarlyPay's OCF Margin % too high?
EarlyPay's current OCF Margin % of 14.78% is 14% below median its 10-year median of 17.17. The Credit Services industry median OCF Margin % is 2.55. EarlyPay's value of 14.78% is 479.6% above this industry median. Based on the distribution chart, EarlyPay ranks #168 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, EarlyPay has a GF Score™ of 32/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #168 out of 531 companies for OCF Margin %. This puts EarlyPay in the upper half of its industry. The industry median OCF Margin % is 2.55. EarlyPay's value of 14.78% is 479.6% above this benchmark. While the company's 10-year median is 17.17 vs. the industry median of 2.55, EarlyPay has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current OCF Margin % of 14.78% is 479.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current OCF Margin % is 14.78%, which is 14% below median its own 10-year median of 17.17. 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$0.45, compared to a current price of A$0.13 — trading 72.2% below its estimated fair value. The current OCF Margin % is 14.78%, which is 14% below median its 10-year median of 17.17 and 479.6% above the Credit Services industry median of 2.55. EarlyPay's overall GF Score™ is 32/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current OCF Margin % is 14.78% 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 72.2% below its estimated GF Value™ of A$0.45.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
OCF Margin %: 14.78% (14% below median its 10-year median of 17.17)
GF Value™: A$0.45 vs. price of A$0.13 (72.2% below fair value)
Industry Position: 479.6% above the Credit Services median (#168 of 531)
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 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.
32GF Score
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