EML Payments (ASX:EML) Tariff Resilience Score: 9/10 (As of Jul. 02, 2026)


ASX:EML EML Payments Ltd ASX:EML
28 GF Score
Price A$0.33
GF Value A$0.80
Valuation Possible Value Trap
! 5 Warning Signs
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What is EML Payments Tariff Resilience Score?

EML Payments ASX:EML +4.84% 28 Tariff Resilience Score is 9 as of Jul. 02, 2026. GuruFocus rates ASX:EML with a GF Score™ of 28/100 and a GF Value™ of A$0.80 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,812 Software companies, EML Payments ranks better than 99.86% on this metric.

EML Payments has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

EML Payments has EML Payments operates in the financial technology sector, which is largely unaffected by tariffs. Its digital services and global client base provide high resilience against trade barriers.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes EML Payments might have Highly Resilient.

EML Payments  (ASX:EML) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

EML Payments Tariff Resilience Score Related Terms

ASX:EML vs MSFT, ORCL, PLTR: Tariff Resilience Score Comparison

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

For the Software industry and Technology sector, EML Payments's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where EML Payments's Tariff Resilience Score falls into.


ASX:EML
28GF Score
EML Payments Ltd ASX:EML
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
EML Payments (ASX:EML) has a Tariff Resilience Score of 9 as of Jul. 02, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, EML Payments ranks #4 out of 2812 companies in the Software industry, placing it in the top 0.099999999999994%.
Is EML Payments' Tariff Resilience Score too high?
EML Payments' current Tariff Resilience Score is 9. Based on the distribution chart, EML Payments ranks #4 out of 2812 companies in the Software industry, which is in the top quartile — a strong position relative to peers. 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' Tariff Resilience Score compare to MSFT and ORCL?
According to the Software industry distribution chart, EML Payments ranks #4 out of 2812 companies for Tariff Resilience Score. This places EML Payments in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Software company?
A good Tariff Resilience Score depends on the Software industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. EML Payments's current Tariff Resilience Score is 9. 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$0.33 — trading 59.4% below its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For EML Payments (ASX:EML), the current Tariff Resilience Score is 9 as of Jul. 02, 2026. 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$0.33 is trading 59.4% below its estimated GF Value™ of A$0.80. GuruFocus considers EML Payments to be Possible Value Trap.

Key valuation signals for ASX:EML:

  • Tariff Resilience Score: 9
  • GF Value™: A$0.80 vs. price of A$0.33 (59.4% 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

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

A$0.33
Price
A$0.80
GF Value