EML PaymentsASX:EML 27 Pretax Margin % is -66.47% as of Jun. 2025. GuruFocus rates ASX:EML with a GF Score™ of 27/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,825 Software companies, EML Payments ranks worse than 78.97% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. EML Payments's Pre-Tax Income for the
six
months ended in Jun. 2025 was A$-55.7 Mil. EML Payments's Revenue for the
six
months ended in Jun. 2025 was A$83.8 Mil. Therefore, EML Payments's pretax margin for the quarter that ended in Jun. 2025 was -66.47%.
The historical rank and industry rank for EML Payments's Pretax Margin % or its related term are showing as below:
ASX:EML'
s Pretax Margin % Range Over the Past 10 Years
Min: -127.1 Med: -4.69 Max: 9.56
Current: -26.54
ASX:EML's Pretax Margin % is ranked worse than 78.97% of 2825
companies
in the Software industry
Industry Median: 3.53
vs ASX:EML: -26.54
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
EML Payments Pretax Margin % Related Terms
EML Payments Pretax Margin % Historical Data
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The historical data trend for EML Payments's Pretax 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: Pretax Margin % Comparison
For the Software - Infrastructure subindustry, EML Payments's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Software Industry
For the Software industry and Technology sector, EML Payments's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where EML Payments's Pretax 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 Pretax Margin % of -66.47% as of Jun. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #2231 out of 2825 companies in the Software industry, placing it in the top 79%.
Is EML Payments' Pretax Margin % too high?
EML Payments' current Pretax Margin % is -66.47%. Based on the distribution chart, EML Payments ranks #2231 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' Pretax Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #2231 out of 2825 companies for Pretax Margin %. This places EML Payments in the lower half of its industry. The industry median Pretax Margin % is 3.53. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Software company?
The median Pretax Margin % among Software companies is 3.53, based on 2,825 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on EML Payments and its competitors. For the Software industry, the median Pretax Margin % is 3.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current Pretax Margin % is -66.47%. 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$0.80, compared to a current price of A$0.30 — trading 63.1% below its estimated fair value. The current Pretax Margin % is -66.47%. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Pretax Margin % is -66.47% 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$0.30 is trading 63.1% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Pretax Margin %: -66.47%
GF Value™: A$0.80 vs. price of A$0.30 (63.1% 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
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