EML EML Payments Limited
Technology · Software - Infrastructure
· website
$0.23
52wk 0.20 – 1.02
Overall
28.0
Value
98.0
Growth
7.4
Health
20.3
Quality
0.0
Momentum
0.6
Dividend
—
Price
About EML Payments Limited
EML Payments Limited provides payment solutions platform in Australia, Europe, New Zealand, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Melbourne, Australia.
Price analytics
Returns
| 1 day | 4.5% |
| 1 week | 0.0% |
| 1 month | -6.1% |
| 3 months | -33.3% |
| 6 months | -61.3% |
| 1 year | -76.5% |
| 3 years | -78.5% |
Risk
| Volatility (1y ann.) | 59.1% |
| Beta vs ASX 200 | 1.06 |
| Sharpe (1y) | -2.18 |
| VaR 95% (1-day) | -4.6% |
| Max drawdown (1y) | -78.8% |
| Off 1-year high | -77.3% |
Technicals
| RSI(14) | 48 |
| vs 50DMA | -13.7% |
| vs 200DMA | -52.2% |
| Trend | Death cross |
Fundamental trends
Financial statements
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Scoring breakdown
(2 Oct 2026)
Value
98.0
Trailing P/E
—
Forward P/E
94
PEG ratio
—
EV / EBITDA
100
Price / Book
100
Price / Sales
100
Growth
7.4
Revenue growth (1y)
15
Revenue CAGR (3y)
0
EPS growth (1y)
—
EPS CAGR (3y)
—
Financial Health
20.3
Net debt / EBITDA
0
Interest coverage (EBIT/interest)
0
Current ratio
0
Debt / Equity
73
Quality (Profitability & Cash Flow)
0.0
Return on equity
0
Return on assets
0
Operating margin
0
Net margin
0
Cash conversion (OCF / net income)
—
Dividend / Income
—
No meaningful dividend — pillar excluded from the overall score.
Momentum
0.6
6-month return vs ASX 200
0
Price vs 200-day average
0
Price vs 50-day average
0
Position in 52-week range
3
Hover a row's info icon for the exact rule. Bounds and weights are configurable in the Django admin (Scoring configuration).
Score history
Key metrics
Market cap
$89.85M
P/E (trailing)
—
P/E (forward)
9.70
EPS (trailing)
-0.05
Dividend yield
—
Payout ratio
0.0%
Beta
0.58
EV / EBITDA
-49.89
Price / Book
0.69
ROE
-14.2%
Operating margin
-12.3%
Net margin
-9.5%
Total cash
$37.75M
Total debt
$89.34M
Current ratio
0.80
Debt / Equity
0.69
Free cash flow
$-51.70M
Avg volume
1.50M
Latest annual results
(FY ending 30 Jun 2026)
- Revenue$150.30M
- Gross profit$93.63M
- Operating income-$68.06M
- Net income-$19.67M
- Diluted EPS-0.05
- Free cash flow-$39.37M
- Net debt$51.59M