EML Payments (ASX:EML) ROCE %: -51.39% (As of Jun. 2025)


ASX:EML EML Payments Ltd ASX:EML
27 GF Score
Price A$0.31
GF Value A$0.79
Valuation Possible Value Trap
! 5 Warning Signs
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What is EML Payments ROCE %?

EML Payments ASX:EML -4.69% 27 ROCE % is -51.39% as of Jun. 2025. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. EML Payments's annualized ROCE % for the quarter that ended in Jun. 2025 was -51.39%.

EML Payments  (ASX:EML) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

EML Payments ROCE % Related Terms

EML Payments ROCE % Historical Data

* Premium members only.

The historical data trend for EML Payments's ROCE % 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.

EML Payments ROCE % Chart

EML Payments Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.00 0.35 -64.17 0.70 -3.41

EML Payments Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25
ROCE % 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 -81.33 -1.00 1.67 3.18 -51.39
ASX:EML
27GF Score
EML Payments Ltd ASX:EML
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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EML Payments ROCE % Calculation

EML Payments's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=-35.823/( ( (4207.989 - 2297.109) + (2682.367 - 2494.663) )/ 2 )
=-35.823/( (1910.88+187.704)/ 2 )
=-35.823/1049.292
=-3.41 %

EML Payments's ROCE % of for the quarter that ended in Jun. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jun. 2025 )  (Q: Dec. 2024 )(Q: Jun. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jun. 2025 )  (Q: Dec. 2024 )(Q: Jun. 2025 )
=-105.53/( ( (2829.432 - 2606.414) + (2682.367 - 2494.663) )/ 2 )
=-105.53/( ( 223.018 + 187.704 )/ 2 )
=-105.53/205.361
=-51.39 %

(1) Note: The EBIT data used here is two times the semi-annual (Jun. 2025) EBIT data.

* 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 ROCE % →
What does a ROCE % of -51.39% mean?
EML Payments (ASX:EML) has a ROCE % of -51.39% as of Jun. 2025.
Is EML Payments' ROCE % too high?
EML Payments' current ROCE % is -51.39%. 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' ROCE % compare to MSFT and ORCL?
EML Payments' ROCE % of -51.39% can be compared against companies in the Software industry. The industry median ROCE % is 5.28. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Software company?
The median ROCE % among Software companies is 5.28, based on 2,711 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median ROCE % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current ROCE % is -51.39%. 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 ROCE % is -51.39%. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current ROCE % is -51.39% 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$0.31 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:

  • ROCE %: -51.39%
  • GF Value™: A$0.79 vs. price of A$0.31 (61.4% below fair value)
  • GF Score™: 27/100 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.
27GF Score

Get the complete analysis for ASX:EML

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

A$0.31
Price
A$0.79
GF Value