EML PaymentsASX:EML -4.69%27 PB Ratio is 0.80 as of Jun. 24, 2026, which is 71% below its 10-year median of 2.74. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.79 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,624 Software companies, EML Payments ranks better than 86.62% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-24), EML Payments's share price is A$0.305. EML Payments's Book Value per Share for the quarter that ended in Jun. 2025 was A$0.38. Hence, EML Payments's PB Ratio of today is 0.80.
Good Sign:
EML Payments Ltd stock PB Ratio (=0.84) is close to 3-year low of 0.77.
The historical rank and industry rank for EML Payments's PB Ratio or its related term are showing as below:
ASX:EML'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 2.74 Max: 9.96
Current: 0.8
During the past 13 years, EML Payments's highest PB Ratio was 9.96. The lowest was 0.35. And the median was 2.74.
ASX:EML's PB Ratio is ranked better than 86.62% of 2624
companies
in the Software industry
Industry Median: 2.37
vs ASX:EML: 0.80
During the past 12 months, EML Payments's average Book Value Per Share Growth Rate was -9.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -31.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -24.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of EML Payments was 54.40% per year. The lowest was -41.20% per year. And the median was 5.75% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
EML Payments PB Ratio Related Terms
EML Payments PB Ratio Historical Data
* Premium members only.
The historical data trend for EML Payments's PB 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.
For the Software - Infrastructure subindustry, EML Payments's PB Ratio, along with its competitors' market caps and PB 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.
EML Payments PB Ratio vs Software Industry
For the Software industry and Technology sector, EML Payments's PB Ratio distribution charts can be found below:
* The bar in red indicates where EML Payments's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
EML Payments's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
EML Payments (ASX:EML) has a PB Ratio of 0.80 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on EML Payments and its competitors. This is 71% below median its historical median of 2.74. Over the past decade, EML Payments' PB Ratio has ranged from 0.35 to 9.96. According to the industry distribution chart, EML Payments ranks #351 out of 2624 companies in the Software industry, placing it in the top 13.4%.
Is EML Payments' PB Ratio too high?
EML Payments' current PB Ratio of 0.80 is 71% below median its 10-year median of 2.74. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 9.96. The Software industry median PB Ratio is 2.37. EML Payments' value of 0.80 is 66.2% below this industry median. Based on the distribution chart, EML Payments ranks #351 out of 2624 companies in the Software industry, which is in the top quartile — a strong position 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' PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #351 out of 2624 companies for PB Ratio. This places EML Payments in the top 13% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.37. EML Payments' value of 0.80 is 66.2% below this benchmark. Historically, EML Payments' own PB Ratio has ranged from 0.35 to 9.96 over the past decade. While the company's 10-year median is 2.74 vs. the industry median of 2.37, EML Payments has consistently been below 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.37, based on 2,624 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current PB Ratio of 0.80 is 66.2% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on EML Payments and its competitors. For the Software industry, the median PB Ratio is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current PB Ratio is 0.80, which is 71% below median its own 10-year median of 2.74. 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 PB Ratio is 0.80, which is 71% below median its 10-year median of 2.74 and 66.2% below the Software industry median of 2.37. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For EML Payments (ASX:EML), the current PB Ratio is 0.80 as of Jun. 24, 2026. 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:
PB Ratio: 0.80 (71% below median its 10-year median of 2.74)
GF Value™: A$0.79 vs. price of A$0.31 (61.4% below fair value)
Industry Position: 66.2% below the Software median (#351 of 2624)
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
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