Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
EML Payments's 10-Year RORE % for the quarter that ended in Jun. 2025 was 13.94%.
The industry rank for EML Payments's 10-Year RORE % or its related term are showing as below:
ASX:EML's 10-Year RORE % is ranked better than 59.91% of 1297
companies
in the Software industry
Industry Median: 8.54
vs ASX:EML: 13.94
EML Payments (ASX:EML) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
EML Payments 10-Year RORE % Related Terms
EML Payments 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for EML Payments's 10-Year RORE % 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: 10-Year RORE % Comparison
For the Software - Infrastructure subindustry, EML Payments's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Software Industry
For the Software industry and Technology sector, EML Payments's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where EML Payments's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2025 and 10-year before.
EML Payments (ASX:EML) has a 10-Year RORE % of 13.94 as of Jun. 2025. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on EML Payments and its competitors. According to the industry distribution chart, EML Payments ranks #520 out of 1297 companies in the Software industry, placing it in the top 40.1%.
Is EML Payments' 10-Year RORE % too high?
EML Payments' current 10-Year RORE % is 13.94. The Software industry median 10-Year RORE % is 8.54. EML Payments' value of 13.94 is 63.2% above this industry median. Based on the distribution chart, EML Payments ranks #520 out of 1297 companies in the Software industry, which is above 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' 10-Year RORE % compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #520 out of 1297 companies for 10-Year RORE %. This puts EML Payments in the upper half of its industry. The industry median 10-Year RORE % is 8.54. EML Payments' value of 13.94 is 63.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Software company?
The median 10-Year RORE % among Software companies is 8.54, based on 1,297 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EML Payments's current 10-Year RORE % of 13.94 is 63.2% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on EML Payments and its competitors. For the Software industry, the median 10-Year RORE % is 8.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EML Payments's current 10-Year RORE % is 13.94. 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 10-Year RORE % is 13.94 and 63.2% above the Software industry median of 8.54. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For EML Payments (ASX:EML), the current 10-Year RORE % is 13.94 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:
10-Year RORE %: 13.94
GF Value™: A$0.80 vs. price of A$0.36 (55.6% below fair value)
Industry Position: 63.2% above the Software median (#520 of 1297)
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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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