SLD 0.42 ▲0.00% MBG 0.21 ▲0.00% FDC 3.93 ▼-0.76% LF1 1.87 ▼-2.12% LGF 2.38 ▲0.86% DN1 98.00 ▼-0.17% WMX 1.58 ▼-2.46% RG8 2.52 ▲0.40% CTS 0.89 ▲2.89% TET 0.42 ▲1.20% MRE 1.68 ▲0.00% BST 0.27 ▲3.85% EFR 0.01 ▲0.00% RIV 1.20 ▼-0.42% KIT 1.80 ▲0.56% EMUCA 0.89 RF1 3.38 ▲0.00% AIX 9.00 ▲0.22% SLD 0.42 ▲0.00% MBG 0.21 ▲0.00% FDC 3.93 ▼-0.76% LF1 1.87 ▼-2.12% LGF 2.38 ▲0.86% DN1 98.00 ▼-0.17% WMX 1.58 ▼-2.46% RG8 2.52 ▲0.40% CTS 0.89 ▲2.89% TET 0.42 ▲1.20% MRE 1.68 ▲0.00% BST 0.27 ▲3.85% EFR 0.01 ▲0.00% RIV 1.20 ▼-0.42% KIT 1.80 ▲0.56% EMUCA 0.89 RF1 3.38 ▲0.00% AIX 9.00 ▲0.22%

EPY Earlypay Limited

Financial Services · Credit Services · website
$0.14
52wk 0.10 – 0.22
Overall
38.8
Value
78.3
Growth
31.1
Health
22.2
Quality
33.4
Momentum
25.2
Dividend
36.5
Price
About Earlypay Limited

Earlypay Limited provides financing solutions to businesses in Australia. The company offers invoice finance for transport and logistics, manufacturing and wholesale, security services, and labor hire and recruitment; trade finance for wholesale, manufacturing, and retail industries; and equipment finance, including capital raise, refinance, and asset purchase. It also provides invoice finance for payroll comprising Earlypay, an invoice finance facility; and xemplo for timesheet management, client approval management, and automated invoicing. The company was formerly known as CML Group Limited and changed its name to Earlypay Limited in November 2020. Earlypay Limited was incorporated in 2001 and is based in North Sydney, Australia.

Price analytics

Returns

1 day 0.0%
1 week 0.0%
1 month -6.9%
3 months 8.0%
6 months -15.6%
1 year -37.2%
3 years -40.0%

Risk

Volatility (1y ann.) 45.1%
Beta vs ASX 200 0.15
Sharpe (1y) -0.89
VaR 95% (1-day) -4.2%
Max drawdown (1y) -51.2%
Off 1-year high -37.2%

Technicals

RSI(14) 50
vs 50DMA 2.5%
vs 200DMA -8.6%
Trend Death cross
Fundamental trends
Financial statements
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Scoring breakdown (2 Oct 2026)
Value 78.3
Trailing P/E
—
Forward P/E
100
PEG ratio
—
EV / EBITDA
31
Price / Book
100
Price / Sales
100
Growth 31.1
Revenue growth (1y)
36
Revenue CAGR (3y)
0
EPS growth (1y)
82
EPS CAGR (3y)
0
Financial Health 22.2
Net debt / EBITDA
0
Interest coverage (EBIT/interest)
0
Current ratio
100
Debt / Equity
0
Quality (Profitability & Cash Flow) 33.4
Return on equity
3
Return on assets
32
Operating margin
100
Net margin
6
Cash conversion (OCF / net income)
—
Dividend / Income 36.5
Dividend yield (%)
22
Payout ratio
0
FCF dividend cover
100
Momentum 25.2
6-month return vs ASX 200
3
Price vs 200-day average
21
Price vs 50-day average
62
Position in 52-week range
26

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
$33.14M
P/E (trailing)
—
P/E (forward)
4.50
EPS (trailing)
0.00
Dividend yield
1.3%
Payout ratio
382.4%
Beta
0.15
EV / EBITDA
15.11
Price / Book
0.49
ROE
0.6%
Operating margin
35.3%
Net margin
0.8%
Total cash
$34.95M
Total debt
$293.00M
Current ratio
72.31
Debt / Equity
4.31
Free cash flow
$-51.34M
Avg volume
85,643
Latest annual results (FY ending 30 Jun 2026)
  • Revenue$21.45M
  • Gross profit$21.45M
  • Operating income-$13.92M
  • Net income$446.00K
  • Diluted EPS—
  • Free cash flow$7.26M
  • Net debt$258.06M
Sector peers (Financial Services)
TickerMkt cap P/EScore
CBA $253.20B 23.3 38.2
NAB $117.86B 19.2 55.3
WBC $117.20B 16.9 45.3
ANZ $112.52B 19.0 56.2
MQG $93.62B 25.3 57.4
QBE $35.57B 11.6 80.1
CPU $23.13B 26.0 69.3
SUN $19.45B 19.3 52.7