EML Payments: Intention to Cease Coverage
We intend to cease coverage of EML Payments on or around Oct. 1, 2026.
EML Payments Ltd EML
Bulls Say, Bears Say
Bulls
EML’s revenue stream is resilient. It actively extends its capabilities into new product lines, some of which are sold to high-quality customers like governments and systematically important banks.
Bears
Many of EML's solutions appear to address friction points that aren't mission-critical, which we think limits switching costs.
Trading Information
- Previous Close Price
- A$0.22
- Day Range
- A$0.22–0.23
- 52-Week Range
- A$0.21–1.03
- Bid/Ask
- A$0.22 / A$0.23
- Shares Outstanding
- 391.26M
- Market Cap
- A$89.85M
- Volume/Avg
- 523,968 / 1M
Key Statistics
- Price/Earnings (Normalized)
- 5.82
- Price/Sales
- 0.59
- Dividend Yield (Trailing)
- 0.00%
- Dividend Yield (Forward)
- 0.00%
- Dividend Payment Schedule
- —
- Total Yield
- —
Company Profile
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.
- Sector
- Technology
- Industry
- Software - Infrastructure
- Stock Style Box
- Small Value
- Total Number of Employees
- 640
- Website
- https://www.emlpayments.com
Competitors
Valuation
|
Metric
|
EML
|
EDEN
|
FISV
|
|---|---|---|---|
Price/Earnings (Normalized) | 5.82 | 13.03 | 6.20 |
Price/Book Value | 0.69 | — | 0.90 |
Price/Sales | 0.59 | 2.18 | 1.17 |
Price/Cash Flow | — | 7.76 | 4.61 |
Price/Earnings
EML
EDEN
FISV
Financial Strength
|
Metric
|
EML
|
EDEN
|
FISV
|
|---|---|---|---|
Quick Ratio | 0.79 | 0.61 | 0.18 |
Current Ratio | 0.80 | 0.84 | 1.04 |
Interest Coverage | −9.20 | — | 3.10 |
Quick Ratio
EML
EDEN
FISV
Profitability
|
Metric
|
EML
|
EDEN
|
FISV
|
|---|---|---|---|
Return on Assets (Normalized) | −0.27% | 4.33% | 5.11% |
Return on Equity (Normalized) | −5.13% | — | 15.91% |
Return on Invested Capital (Normalized) | −19.84% | 14.16% | 9.72% |
Return on Assets
EML
EDEN
FISV
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United States