EarlyPayASX:EPY 28 3-Year ROIIC % is 7.59 as of Jun. 2025, which is 103% above its 10-year median of 3.73. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 393 Credit Services companies, EarlyPay ranks better than 67.18% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
EarlyPay's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 7.59%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for EarlyPay's 3-Year ROIIC % or its related term are showing as below:
ASX:EPY's 3-Year ROIIC % is ranked better than 67.18% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs ASX:EPY: 7.59
EarlyPay (ASX:EPY) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
EarlyPay 3-Year ROIIC % Related Terms
EarlyPay 3-Year ROIIC % Historical Data
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The historical data trend for EarlyPay's 3-Year ROIIC % 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 Credit Services subindustry, EarlyPay's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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.
EarlyPay 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where EarlyPay's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
EarlyPay (ASX:EPY) has a 3-Year ROIIC % of 7.59 as of Jun. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EarlyPay and its competitors. This is 103% above median its historical median of 3.73. According to the industry distribution chart, EarlyPay ranks #129 out of 393 companies in the Credit Services industry, placing it in the top 32.8%.
Is EarlyPay's 3-Year ROIIC % too high?
EarlyPay's current 3-Year ROIIC % of 7.59 is 103% above median its 10-year median of 3.73. The Credit Services industry median 3-Year ROIIC % is 2.85. EarlyPay's value of 7.59 is 166.3% above this industry median. Based on the distribution chart, EarlyPay ranks #129 out of 393 companies in the Credit Services industry, which is above the industry midpoint. Overall, EarlyPay 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 EarlyPay's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #129 out of 393 companies for 3-Year ROIIC %. This puts EarlyPay in the upper half of its industry. The industry median 3-Year ROIIC % is 2.85. EarlyPay's value of 7.59 is 166.3% above this benchmark. While the company's 10-year median is 3.73 vs. the industry median of 2.85, EarlyPay has consistently been above 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current 3-Year ROIIC % of 7.59 is 166.3% above 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current 3-Year ROIIC % is 7.59, which is 103% above median its own 10-year median of 3.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EarlyPay stock overvalued right now?
Based on GuruFocus' analysis, EarlyPay (ASX:EPY) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.46, compared to a current price of A$0.13 — trading 72.8% below its estimated fair value. The current 3-Year ROIIC % is 7.59, which is 103% above median its 10-year median of 3.73 and 166.3% above the Credit Services industry median of 2.85. EarlyPay's overall GF Score™ is 28/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current 3-Year ROIIC % is 7.59 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 EarlyPay (ASX:EPY) Overvalued in 2026?
Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued.
The current stock price of A$0.13 is trading 72.8% below its estimated GF Value™ of A$0.46.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
3-Year ROIIC %: 7.59 (103% above median its 10-year median of 3.73)
GF Value™: A$0.46 vs. price of A$0.13 (72.8% below fair value)
Industry Position: 166.3% above the Credit Services median (#129 of 393)
No single metric tells the full story. See the ASX:EPY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment.
28GF Score
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