Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
EML Payments's operating assets for the quarter that ended in Jun. 2025 was A$757.3 Mil. EML Payments's operating liabilities for the quarter that ended in Jun. 2025 was A$2,481.8 Mil. EML Payments's Total Assets for the quarter that ended in Dec. 2024 was A$2,829.4 Mil. Therefore, EML Payments's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2025 was -0.61.
EML Payments Scaled Net Operating Assets Related Terms
EML Payments Scaled Net Operating Assets Historical Data
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The historical data trend for EML Payments's Scaled Net Operating Assets 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: Scaled Net Operating Assets Comparison
For the Software - Infrastructure subindustry, EML Payments's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Software Industry
For the Software industry and Technology sector, EML Payments's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where EML Payments's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of -0.61 mean?
EML Payments (ASX:EML) has a Scaled Net Operating Assets of -0.61 as of Jun. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on EML Payments and its competitors.
Is EML Payments' Scaled Net Operating Assets too high?
EML Payments' current Scaled Net Operating Assets is -0.61. 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' Scaled Net Operating Assets compare to MSFT and ORCL?
EML Payments' Scaled Net Operating Assets of -0.61 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Software company?
A good Scaled Net Operating Assets depends on the Software industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on EML Payments and its competitors. EML Payments's current Scaled Net Operating Assets is -0.61. 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$0.30 — trading 63.1% below its estimated fair value. The current Scaled Net Operating Assets is -0.61. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Scaled Net Operating Assets is -0.61 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$0.30 is trading 63.1% below its estimated GF Value™ of A$0.80.
GuruFocus considers EML Payments to be Possible Value Trap.
Key valuation signals for ASX:EML:
Scaled Net Operating Assets: -0.61
GF Value™: A$0.80 vs. price of A$0.30 (63.1% below fair value)
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.
27GF Score
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