EarlyPay (ASX:EPY) Dividend Payout Ratio: 0.00 (As of Dec. 2025)


ASX:EPY EarlyPay Ltd ASX:EPY
28 GF Score
Price A$0.12
GF Value A$0.45
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is EarlyPay Dividend Payout Ratio?

EarlyPay ASX:EPY -4.00% 28 Dividend Payout Ratio is 0.00 as of Dec. 2025. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.45 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 194 Credit Services companies, EarlyPay ranks worse than 96.39% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. EarlyPay's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.00.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of EarlyPay Ltd is 1.33, which seems too high.

The historical rank and industry rank for EarlyPay's Dividend Payout Ratio or its related term are showing as below:

ASX:EPY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.3   Med: 0.56   Max: 1.33
Current: 1.33

During the past 13 years, the highest Dividend Payout Ratio of EarlyPay was 1.33. The lowest was 0.30. And the median was 0.56.

ASX:EPY's Dividend Payout Ratio is ranked worse than
96.39% of 194 companies
in the Credit Services industry
Industry Median: 0.32 vs ASX:EPY: 1.33

As of today (2026-06-28), the Dividend Yield % of EarlyPay is 5.42%.

During the past 13 years, the highest Trailing Annual Dividend Yield of EarlyPay was 15.00%. The lowest was 1.40%. And the median was 3.40%.

EarlyPay's Dividends per Share for the months ended in Dec. 2025 was A$0.01.

During the past 12 months, EarlyPay's average Dividends Per Share Growth Rate was 300.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was -51.90% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of EarlyPay was 53.30% per year. The lowest was -51.90% per year. And the median was 5.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

EarlyPay (ASX:EPY) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

EarlyPay Dividend Payout Ratio Related Terms

EarlyPay Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for EarlyPay's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

EarlyPay Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.90 0.57 0.00 0.00 0.30

EarlyPay Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Dividend Payout Ratio 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 0.00 0.00 0.40 0.17 0.00

ASX:EPY vs V, MA, AXP: Dividend Payout Ratio Comparison

For the Credit Services subindustry, EarlyPay's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, EarlyPay's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where EarlyPay's Dividend Payout Ratio falls into.


ASX:EPY
28GF Score
EarlyPay Ltd ASX:EPY
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EarlyPay Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

EarlyPay's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Jun. 2025 )/ EPS without NRI (A: Jun. 2025 )
=0.003/ 0.01
=0.30

EarlyPay's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.007/ -0
=N/A

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.00 mean?
EarlyPay (ASX:EPY) has a Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on EarlyPay and its competitors. Over the past decade, EarlyPay's Dividend Payout Ratio has ranged from 0.30 to 1.33. According to the industry distribution chart, EarlyPay ranks #187 out of 194 companies in the Credit Services industry, placing it in the top 96.4%.
Is EarlyPay's Dividend Payout Ratio too high?
EarlyPay's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 1.33. Based on the distribution chart, EarlyPay ranks #187 out of 194 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #187 out of 194 companies for Dividend Payout Ratio. This places EarlyPay in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, EarlyPay's own Dividend Payout Ratio has ranged from 0.30 to 1.33 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 194 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current Dividend Payout Ratio is 0.00. 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$0.12 — trading 73.3% below its estimated fair value. The current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current Dividend Payout Ratio is 0.00 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$0.12 is trading 73.3% below its estimated GF Value™ of A$0.45. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • Dividend Payout Ratio: 0.00
  • GF Value™: A$0.45 vs. price of A$0.12 (73.3% 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

Get the complete analysis for ASX:EPY

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.12
Price
A$0.45
GF Value