EarlyPayASX:EPY +4.17%32 Dividend Yield % is 5.42% as of Jun. 26, 2026, which is 58% above its 10-year median of 3.43. GuruFocus rates ASX:EPY with a GF Score™ of 32/100 and a GF Value™ of A$0.45 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 211 Credit Services companies, EarlyPay ranks better than 69.67% on this metric.
As of today (2026-06-26), the Trailing Annual Dividend Yield of EarlyPay is 5.42%.
Good Sign:
EarlyPay Ltd stock Dividend Yield % is close to 1-year high.
The historical rank and industry rank for EarlyPay's Dividend Yield % or its related term are showing as below:
ASX:EPY'
s Dividend Yield % Range Over the Past 10 Years
Min: 1.4 Med: 3.43 Max: 15
Current: 5.42
During the past 13 years, the highest Dividend Yield of EarlyPay was 15.00%. The lowest was 1.40%. And the median was 3.43%.
ASX:EPY's Dividend Yield % is ranked better than 69.67% of 211
companies
in the Credit Services industry
Industry Median: 3.97
vs ASX:EPY: 5.42
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of EarlyPay Ltd is 1.33, which seems too high.
During the past 13 years, the highest Dividend Payout Ratio of EarlyPay was 1.33. The lowest was 0.30. And the median was 0.56.
During the past 12 months, EarlyPay's average Dividends Per Share Growth Rate was 300.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -51.90% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of EarlyPay was 53.30% per year. The lowest was -51.90% per year. And the median was 5.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
EarlyPay (ASX:EPY) Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
The historical data trend for EarlyPay's Dividend Yield % 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:EPY vs V, MA, AXP: Dividend Yield % Comparison
For the Credit Services subindustry, EarlyPay's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where EarlyPay's Dividend Yield % falls into.
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
EarlyPay Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
AUD 0.006500
2025-09-11
2025-09-12
2025-09-26
Cash Dividend
semi-annually
AUD:AUD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
EarlyPay's Trailing Annual Dividend Yield (%) for Today is calculated as
Trailing Annual Dividend Yield
=
Most Recent Full Year Dividend
/
Current Share Price
=
0.0065
/
0.125
=
5.20 %
Current Share Price is A$0.125. EarlyPay's Dividends per Share for the trailing twelve months (TTM) ended in Today is A$0.0065.
EarlyPay's Forward Annual Dividend Yield (%) for Today is calculated as
Forward Annual Dividend Yield
=
Forward Full Year Dividend
/
Current Share Price
=
0.013
/
0.125
=
10.40 %
Current Share Price is A$0.125. EarlyPay's Dividends per Share for the forward twelve months is calculated as A$0.0065 * 2 = A$0.013.
* 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.
EarlyPay (ASX:EPY) has a Dividend Yield % of 5.42% as of Jun. 26, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on EarlyPay and its competitors. This is 58% above median its historical median of 3.43. Over the past decade, EarlyPay's Dividend Yield % has ranged from 1.40 to 15.00. According to the industry distribution chart, EarlyPay ranks #64 out of 211 companies in the Credit Services industry, placing it in the top 30.3%.
Is EarlyPay's Dividend Yield % too high?
EarlyPay's current Dividend Yield % of 5.42% is 58% above median its 10-year median of 3.43. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 15.00. The Credit Services industry median Dividend Yield % is 3.97. EarlyPay's value of 5.42% is 36.5% above this industry median. Based on the distribution chart, EarlyPay ranks #64 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, EarlyPay has a GF Score™ of 32/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's Dividend Yield % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #64 out of 211 companies for Dividend Yield %. This puts EarlyPay in the upper half of its industry. The industry median Dividend Yield % is 3.97. EarlyPay's value of 5.42% is 36.5% above this benchmark. Historically, EarlyPay's own Dividend Yield % has ranged from 1.40 to 15.00 over the past decade. While the company's 10-year median is 3.43 vs. the industry median of 3.97, 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 Dividend Yield % for a Credit Services company?
The median Dividend Yield % among Credit Services companies is 3.97, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current Dividend Yield % of 5.42% is 36.5% 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median Dividend Yield % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current Dividend Yield % is 5.42%, which is 58% above median its own 10-year median of 3.43. 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$0.45, compared to a current price of A$0.13 — trading 72.2% below its estimated fair value. The current Dividend Yield % is 5.42%, which is 58% above median its 10-year median of 3.43 and 36.5% above the Credit Services industry median of 3.97. EarlyPay's overall GF Score™ is 32/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current Dividend Yield % is 5.42% as of Jun. 26, 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 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 72.2% below its estimated GF Value™ of A$0.45.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
Dividend Yield %: 5.42% (58% above median its 10-year median of 3.43)
GF Value™: A$0.45 vs. price of A$0.13 (72.2% below fair value)
Industry Position: 36.5% above the Credit Services median (#64 of 211)
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.
32GF Score
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