The Receivables Turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by average Accounts Receivable. An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. EML Payments's Revenue for the
six
months ended in Jun. 2025 was A$83.8 Mil. EML Payments's average Accounts Receivable for the
six
months ended in Jun. 2025 was A$38.6 Mil.
Hence, EML Payments's Receivables Turnover for the
six
months ended in Jun. 2025 was 2.17.
An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. This metric is commonly used to compare companies within the same industry to check whether they are on par with their competitors.
EML Payments Receivables Turnover Related Terms
EML Payments Receivables Turnover Historical Data
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The historical data trend for EML Payments's Receivables Turnover 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: Receivables Turnover Comparison
For the Software - Infrastructure subindustry, EML Payments's Receivables Turnover, along with its competitors' market caps and Receivables Turnover 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 Receivables Turnover vs Software Industry
For the Software industry and Technology sector, EML Payments's Receivables Turnover distribution charts can be found below:
* The bar in red indicates where EML Payments's Receivables Turnover 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 Receivables Turnover of 2.17 as of Jun. 2025. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #1851 out of 2771 companies in the Software industry, placing it in the top 66.8%.
Is EML Payments' Receivables Turnover too high?
EML Payments' current Receivables Turnover is 2.17. The Software industry median Receivables Turnover is 5.69. EML Payments' value of 2.17 is 61.9% below this industry median. Based on the distribution chart, EML Payments ranks #1851 out of 2771 companies in the Software industry, which is below the industry midpoint. Overall, EML Payments 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 EML Payments' Receivables Turnover compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #1851 out of 2771 companies for Receivables Turnover. This places EML Payments in the lower half of its industry. The industry median Receivables Turnover is 5.69. EML Payments' value of 2.17 is 61.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Receivables Turnover for a Software company?
The median Receivables Turnover among Software companies is 5.69, based on 2,771 companies in the industry. Companies in the top quartile (top 25%) have a Receivables Turnover significantly above this median, while those in the bottom quartile fall well below. However, Receivables Turnover should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current Receivables Turnover of 2.17 is 61.9% 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 Receivables Turnover mean?
A high Receivables Turnover can signal that a stock is expensive relative to its fundamentals. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on EML Payments and its competitors. For the Software industry, the median Receivables Turnover is 5.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current Receivables Turnover is 2.17. 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$0.36 — trading 55.6% below its estimated fair value. The current Receivables Turnover is 2.17 and 61.9% below the Software industry median of 5.69. EML Payments' overall GF Score™ is 28/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Receivables Turnover calculated?
Receivables Turnover is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Receivables Turnover is 2.17 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$0.36 is trading 55.6% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Receivables Turnover: 2.17
GF Value™: A$0.80 vs. price of A$0.36 (55.6% below fair value)
Industry Position: 61.9% below the Software median (#1851 of 2771)
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.
28GF Score
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