YOLFTbeta
EML Payments Ltd

EML Payments Ltd

EML · AU · Technology / Software - Infrastructure

0.32AUD+0.01 (+3.23%)

Price History

Full chart

Market Stats

Previous Close0.31
Open0.31
Day Range0.305 – 0.32
52-Week Range0.205 – 1.03
Volume990.09K
Market Cap89.99M
P/E (TTM)0.00
Forward P/E7.67
EPS-0.05
Dividend Yield0.00%
Beta0.58
50-Day Avg0.2664
200-Day Avg0.4816

About

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.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. Adam R. Olding B.Ec., CSP, FCIS, Grad Dip, LLB (Hons), MA
  • Employees458
  • Headquarters440 Collins Street, Melbourne, VIC, Australia, 3000, Australia
  • Websitehttps://emlpayments.com

Leadership

  • Mr. Anthony HynesExecutive Chairman · b. 1973
  • Mr. Adam R. Olding B.Ec., CSP, FCIS, Grad Dip, LLB (Hons), MAChief Executive Officer
  • Mr. Stuart WillChief Financial Officer
  • Mr. Alex MillsChief Operating Officer
  • Mr. Paul BoorerChief Technology Officer
  • Ms. Anna GortonGroup General Counsel & Company Secretary
  • Mr. Steven EisenhauerChief Risk & Compliance Officer
  • Mr. Peter A. LangChief Corporate Development Officer
  • Mr. Mario NatoliChief Experience Officer
  • Mr. Patrick HallChief Commercial Officer

Financials

Income Statement

Currency: AUD1997-06-301998-06-301999-06-302000-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue2.21B2.36B2.23B2.10B-8.00K82.00K145.00K9826.76K45.00K205.00K3.77M5.03M5.18M14.44M23.31M57.96M71.02M97.19M120.97M192.40M232.52M254.43M167.53M157.94M207.59M
Growth (%)-+6.55%-5.29%-5.86%--+925.00%+76.83%-99.93%+27207.14%+68.16%+355.56%+1739.51%+33.48%+2.99%+178.48%+61.47%+148.64%+22.53%+36.86%+24.46%+59.05%+20.85%+9.42%-34.15%-5.73%+31.44%
Cost of Revenue17.97M20.82M27.00M29.10M---1.25M521.00K2.87M243.00K-371.84K667.13K1.14M3.16M5.11M13.71M17.72M24.18M52.00M93.64M104.51M124.17M51.43M55.12M82.94M
Gross Profit2.20B2.34B2.21B2.07B----9826.76K---371.84K4.37M4.05M11.28M18.20M44.25M53.30M73.02M68.97M98.76M128.01M130.26M116.10M102.82M124.64M
Gross Margin99.19%99.12%98.79%98.62%----100.00%100.00%---9.86%86.75%78.10%78.14%78.08%76.34%75.05%75.12%57.01%51.33%55.05%51.20%69.30%65.10%60.04%
Operating Expense2.12B2.21B2.40B2.00B----1.19M3.17M--12.19M15.24M9.96M16.65M19.93M46.60M47.42M59.08M58.53M92.05M120.40M163.96M171.78M210.79M134.71M
Operating Income79.25M130.71M-197.30M75.90M-3.00K-196.54K-1.77M-1.19M-3.14M-577.43K-5.36M-12.56M-10.87M-5.91M-5.37M-1.73M-2.35M5.88M13.94M10.43M6.71M7.61M-33.70M-55.68M-107.97M-10.07M
Operating Margin3.58%5.54%-8.83%3.61%-37.50%-239.69%-1223.80%-1215094.90%-11744.09%-1283.19%-2614.25%-333.12%-215.97%-113.98%-37.21%-7.40%-4.06%8.28%14.34%8.62%3.49%3.27%-13.25%-33.24%-68.36%-4.85%
EBITDA-------196.54K-1.77M-1.19M-3.11M-527.75K-5.36M-6.62M-4.88M-6.14M-3.71M1.46M6.08M14.56M21.70M29.09M36.54M37.55M-243.10M32.49M-20.59M3.02M
EBITDA Margin-------239.69%-1222.04%-1211219.39%-11609.65%-1172.78%-2612.75%-175.68%-96.96%-118.44%-25.67%6.28%10.49%20.50%22.32%24.05%18.99%16.15%-95.55%19.40%-13.04%1.46%
Net Income55.27M40.05M8.10M52.90M-2.00K-146.72K-1.63M-890.55K-3.11M-385.62K-5.16M-10.03M-5.36M-5.41M2.86M87.52K9.00K2.21M8.45M-7.14M-28.70M-4.80M-284.82M-26.48M-53.39M-19.67M
Net Income Margin2.50%1.70%0.36%2.52%-25.00%-178.92%-1124.12%-908728.57%-11628.70%-856.94%-2515.26%-265.91%-106.47%-104.40%19.79%0.38%0.02%3.11%8.69%-5.90%-14.91%-2.06%-111.95%-15.81%-33.80%-9.48%
R&D17.04M16.64M15.10M11.00M------------0.080.040.070.090.060.1201.11---
R&D as % of Total Revenue0.77%0.71%0.68%0.52%------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%---
Interest Expense0000000001965704.22K0000231.00K597.00K27.00K2.76M3.95M9.03M9.96M5.20M6.09M7.88M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%-0.00%0.00%0.00%0.00%0.73%0.13%0.00%0.11%0.00%0.00%0.00%0.00%0.40%0.84%0.03%2.28%2.05%3.88%3.91%3.10%3.86%3.80%

Balance Sheet

Currency: AUD1997-06-301998-06-301999-06-302000-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets1.54B1.53B1.39B1.38B2.65M5.35M5.29M6.28M5.44M3.30M4.24M14.87M16.86M14.96M18.47M64.76M149.90M187.50M239.54M476.71M1.88B2.29B2.68B2.99B2.48B2.68B2.49B
Total Liabilities814.64M848.75M733.40M781.10M50.00K33.04K44.87K367.02K207.85K104.47K194.85K10.84M1.89M1.31M1.77M12.18M30.69M66.92M109.77M332.48M1.44B1.87B2.25B2.82B2.32B2.54B2.36B
Total Equity724.10M677.98M660.10M589.60M2.60M5.32M5.24M5.91M5.23M3.20M4.04M4.03M14.96M13.65M16.71M52.58M119.21M120.58M129.77M144.23M440.24M414.89M437.12M174.55M159.02M146.44M130.09M
Cash128.28M113.25M61.20M79.00M123.00K2.73M2.40M3.20M1.19M834.55K1.75M10.32M2.29M1.36M4.50M4.26M26.94M39.87M39.01M33.09M118.38M141.23M73.70M71.36M43.06M59.32M37.75M
Total Debt------------398.27K268.71K217.29K-396.72K--15.00M45.00M45.13M91.41M98.49M90.64M54.08M89.34M
Net Debt------2.73M-2.40M-3.20M-1.19M-834.55K-1.75M-10.32M-1.89M-1.09M-4.28M-4.26M-26.55M-39.87M-39.01M-18.09M-73.38M-96.10M17.71M27.13M47.58M-5.24M51.59M

Cash Flow

Currency: AUD1997-06-301998-06-301999-06-302000-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow171.17M180.76M-14.80M169.50M---189.28K-277.14K-541.45K-277.76K-209.18K-1.64M-6.51M-3.10M-3.19M-352.00K1.98M19.25M6.37M29.16M20.74M46.86M262.82M391.78M14.07M16.75M-32.80M
Investing Cash Flow-46.68M2.38M13.80M-2.70M---215.31K-1.12M-1.62M-1.02M-99.86K-2.59M-1.61M-26.99K-739.24K-13.18M-34.55M-6.48M-6.64M-49.82M-158.89M-25.99M-71.14M-877.00K-34.18M39.24M-24.12M
Financing Cash Flow-71.96M-197.15M-51.10M-148.70M264.00K164.00K2.62M2.19M153.75K939.99K1.23M12.79M93.77K2.20M7.06M13.29M55.38M204.00K26.00K15.01M224.14M-623.00K46.25M-2.17M-7.97M-43.29M32.16M
Capital Expenditure56.89M61.08M63.50M66.40M102.00K67.00K215.31K1.12M1.83M1.02M99.86K430.37K1.19M161.99K641.07K55.23K14.00K1.59M1.39M1.30M10.99M12.62M14.06M11.74M1.36M5.96M1.02M
Free Cash Flow-------404.60K-1.39M-2.37M-1.29M-309.04K-2.07M-7.70M-3.26M-3.83M-407.23K1.96M17.66M4.98M27.86M9.75M34.24M248.76M380.04M4.84M10.79M-33.82M
Dividends Paid30.47M31.89M35.20M39.70M---------------22.40M214.13M------
FCF to OCF------213.75%503.20%437.59%466.02%147.74%126.30%118.24%105.23%120.11%115.69%99.29%91.74%78.14%95.55%46.99%73.07%94.65%97.00%34.42%64.42%103.11%
Dividend Paid to FCF-------------------80.39%2196.88%------

Earnings

Report DateFeb 22, 2016Aug 25, 2016Feb 23, 2017Aug 23, 2017Feb 20, 2018Aug 20, 2018Nov 13, 2018Feb 26, 2019May 29, 2019Aug 20, 2019Nov 10, 2019Feb 18, 2020May 20, 2020Aug 18, 2020Nov 9, 2020Feb 16, 2021Jun 7, 2021Aug 20, 2021Nov 16, 2021Feb 15, 2022Apr 25, 2022Aug 22, 2022Nov 16, 2022Feb 22, 2023Apr 25, 2023Aug 29, 2023Nov 15, 2023Feb 27, 2024Apr 23, 2024Aug 27, 2024Nov 25, 2024Feb 25, 2025May 30, 2025Aug 26, 2025Nov 28, 2025Apr 28, 2026
EPS Estimate0.000.000.000.010.000.020.000.040.000.040.000.030.000.020.000.040.000.030.000.040.000.040.000.040.000.000.000.010.000.030.00-0.000.000.000.000.00
EPS Actual0.010.000.01-0.010.010.000.000.020.000.050.000.060.00-0.030.000.040.00-0.010.000.040.000.020.00-0.350.000.000.000.000.000.000.000.020.000.000.000.00
Surprise2400.00%---212.36%--100.00%--48.72%-38.89%-87.50%--230.43%-5.26%--130.30%--10.11%--47.37%--913.95%--100.00%--100.00%--100.00%-20100.00%--100.00%--
Timing-------------------After-hours---Pre-market-After-hours----------

Key Statistics & Ratios

Market Cap89.99M
Enterprise Value-1.58B
Trailing P/E0.00
Forward P/E7.67
PEG Ratio0.00
Price / Sales0.43
Price / Book0.69
EPS-0.05
Book Value0.335
Revenue (TTM)207.37M
Gross Profit (TTM)114.73M
EBITDA-2.93M
Profit Margin-9.49%
Operating Margin-12.29%
Return on Equity-14.23%
Return on Assets-0.21%
Shares Outstanding391.26M
Shares Float322.59M
Beta0.58
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Stock Splits

  • Jul 1, 20111:5