EML Payments (ASX:EML) Risk Assessment


ASX:EML EML Payments Ltd ASX:EML
28 GF Score
Price A$0.36
GF Value A$0.80
Valuation Possible Value Trap
! 5 Warning Signs
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What is EML Payments Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of EML Payments is: High Risk: High uncertainty.

EML Payments  (ASX:EML) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

EML Payments Risk Assessment Related Terms

ASX:EML vs MSFT, ORCL, PLTR: Risk Assessment Comparison

For the Software - Infrastructure subindustry, EML Payments's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Software Industry

For the Software industry and Technology sector, EML Payments's Risk Assessment distribution charts can be found below:

* The bar in red indicates where EML Payments's Risk Assessment falls into.


ASX:EML
28GF Score
EML Payments Ltd ASX:EML
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Risk Assessment:
  • GF Value™: A$0.80 vs. price of A$0.36 (55.6% below fair value)
  • GF Score™: 28/100 with 5 warning signs

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 Business Description

Other Exchanges A8Y1:Germany
Address 333 Ann Street, Level 12, Brisbane, QLD, AUS, 4000
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

Get the complete analysis for ASX:EML

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

A$0.36
Price
A$0.80
GF Value