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EML Payments Limited (EML.AX)
AUD0.34
+0.00 (+0.00%)
AU ASX Industrials Specialty Business Services
Address
440 Collins Street 3000
Brisbane, VIC, AU
Brisbane, VIC, AU
CEO
Adam Rhys Olding
Website
emlpayments.com
IPO
2006-01-16
ISIN AU000000EML7
Also trades on
Australian Securities Exchange · EML.AX (AUD)
Other OTC · EMCHF (USD)
Description
EML Payments Limited provides payment solutions platform in Australia, Europe, 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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD0.34
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.58
Float Shares
307.63M
Free Float %
79.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +5.41% | +8.33% | -7.14% | -39.53% | -54.39% | -57.84% | -65.49% | -43.07% | -88.25% | -73.47% | -51.54% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
0.34
DCF (Levered)
2.97
+787.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
75% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | -2 |
| Buy | 3 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.02
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Specialty Business Services: +7.6%-5.7% Q4'25: -24.8% (vs Q4'23)
-
EPS growth Specialty Business Services: +24.4%-98.0% Q4'25: +68.5% (vs Q4'23)
-
FCF margin FCF growth · Specialty Business Services: +27.6%+20.0% Q4'25: -29.5% (vs Q4'23)
-
EBIT margin Specialty Business Services: +9.0%-22.7% Q4'25: +2.0% (vs Q4'23)
-
ROIC Specialty Business Services: +7.8%— Q4'25: +5.0% (vs Q4'23)
-
Share dilution Specialty Business Services: +0.4%+1.3% Q4'25: +2.9% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Specialty Business Services: -0.21×-2.63× Q4'25: 2.48× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2014 actual |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 4 Rev. Ana. 2 EPS Ana. |
Jun 2027 4 Rev. Ana. 2 EPS Ana. |
Jun 2028 4 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.18M
est: 5.47M (-5.3%)
|
14.44M
est: 14.40M (+0.3%)
|
23.31M
est: 22.53M (+3.5%)
|
57.96M
est: 59.30M (-2.3%)
|
71.02M
est: 68.58M (+3.6%)
|
97.20M
est: 93.56M (+3.9%)
|
120.97M
est: 121.38M (-0.3%)
|
192.40M
est: 194.18M (-0.9%)
|
232.52M
est: 230.04M (+1.1%)
|
254.43M
est: 240.90M (+5.6%)
|
167.53M
est: 255.55M (-34.4%)
|
157.94M
est: 223.20M (-29.2%)
|
204.39M
200.59M – 208.90M
-8.4% YoY
|
224.51M
207.83M – 235.81M
+9.8% YoY
|
243.10M
239.03M – 247.18M
+8.3% YoY
|
| EBITDA |
-6.14M
est: -591.8K (-937.5%)
|
-3.71M
est: -16.70M (+77.8%)
|
1.46M
est: -8.78M (+116.7%)
|
6.08M
est: -4.45M (+236.6%)
|
14.56M
est: -2.47M (+690.4%)
|
21.70M
est: 5.97M (+263.2%)
|
29.09M
est: 9.11M (+219.4%)
|
36.54M
est: -8.09M (+551.9%)
|
37.55M
est: -9.84M (+481.6%)
|
-243.11M
est: -11.15M (-2,079.7%)
|
32.49M
est: -13.16M (+346.9%)
|
-20.59M
est: -23.94M (+14.0%)
|
-22.10M
-22.58M – -21.68M
+7.7% YoY
|
-24.27M
-25.49M – -22.47M
-9.8% YoY
|
-26.28M
-26.72M – -25.84M
-8.3% YoY
|
| EBIT |
-6.86M
est: -1.22M (-462.2%)
|
-6.40M
est: -16.70M (+61.7%)
|
-2.23M
est: -8.78M (+74.6%)
|
-4.00M
est: -4.45M (+10.1%)
|
5.88M
est: -2.47M (+338.6%)
|
13.94M
est: 7.60M (+83.4%)
|
10.43M
est: 13.85M (-24.7%)
|
-21.50M
est: -11.59M (-85.5%)
|
7.61M
est: -14.10M (+153.9%)
|
-278.18M
est: -15.98M (-1,640.4%)
|
7.63M
est: -18.86M (+140.5%)
|
-35.82M
est: -49.33M (+27.4%)
|
-45.53M
-46.53M – -44.68M
+7.7% YoY
|
-50.01M
-52.52M – -46.29M
-9.8% YoY
|
-54.15M
-55.06M – -53.24M
-8.3% YoY
|
| Net Income |
-5.41M
est: -14.76M (+63.3%)
|
2.86M
est: -15.45M (+118.5%)
|
87.5K
est: 4.32M (-98.0%)
|
9.0K
est: 222.5K (-96.0%)
|
2.21M
est: 10.5K (+21,005.0%)
|
8.45M
est: 3.01M (+181.2%)
|
-7.14M
est: 10.74M (-166.5%)
|
-28.70M
est: -8.76M (-227.5%)
|
-4.80M
est: -10.66M (+55.0%)
|
-284.82M
est: -284.82M (+0.0%)
|
-26.49M
est: -9.61M (-175.6%)
|
-53.39M
est: 21.72M (-345.7%)
|
9.75M
8.42M – 11.08M
-55.1% YoY
|
18.77M
10.26M – 32.31M
+92.5% YoY
|
26.20M
3.64M – 52.72M
+39.6% YoY
|
| SGA |
7.08M
est: 2.36M (+199.6%)
|
11.94M
est: 6.22M (+92.1%)
|
11.37M
est: 21.10M (-46.1%)
|
28.38M
est: 37.93M (-25.2%)
|
29.50M
est: 40.98M (-28.0%)
|
36.27M
est: 50.19M (-27.7%)
|
48.22M
est: 57.96M (-16.8%)
|
62.77M
est: 80.06M (-21.6%)
|
79.47M
est: 97.41M (-18.4%)
|
98.16M
est: 110.41M (-11.1%)
|
87.54M
est: 130.29M (-32.8%)
|
91.99M
est: 95.61M (-3.8%)
|
88.25M
86.60M – 90.19M
-7.7% YoY
|
96.93M
89.73M – 101.81M
+9.8% YoY
|
104.96M
103.20M – 106.72M
+8.3% YoY
|
| EPS |
-0.02
est: -0.04 (+61.4%)
|
0.02
est: 0.02 (-23.2%)
|
0.00
est: 0.02 (-97.4%)
|
-2,121,000.00
est: 0.04 (-5,112,321,735.2%)
|
0.01
est: 0.04 (-78.2%)
|
0.02
est: 0.04 (-47.1%)
|
-0.02
est: 0.08 (-124.1%)
|
-0.08
est: 0.09 (-190.2%)
|
-0.01
est: 0.06 (-120.8%)
|
-0.76
est: 0.01 (-12,766.7%)
|
-0.07
est: -0.01 (-573.3%)
|
-0.14
est: 0.05 (-361.7%)
|
0.03
0.02 – 0.03
-50.5% YoY
|
0.05
0.03 – 0.09
+105.7% YoY
|
0.07
0.01 – 0.14
+29.4% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-26 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-25 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-22 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-21 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-20 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-19 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-18 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-15 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-14 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-13 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-12 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-11 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-08 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-07 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-06 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-01 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-24 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-23 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-22 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-21 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-20 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-17 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-16 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
457.40M
OE per share TTM
1.21
Owner's Yield
304.32%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
5.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 25 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P International Small Cap ETF GWX | 0.01% | 63.4K | 0.40% |
| 2 | Avantis International Small Cap Equity ETF AVDS | 0.00% | 12.1K | 0.30% |
| 3 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.00% | 458.3K | 0.06% |
| 4 | Dimensional - International Small Cap ETF DFIS | 0.00% | 142.1K | 0.39% |
| 5 | Avantis Responsible International Equity ETF AVSD | 0.00% | 6.7K | 0.23% |
| 6 | Vanguard FTSE Pacific ETF VPL | 0.00% | 119.5K | 0.07% |
| 7 | Vanguard FTSE Developed Asia Pacific All Cap Index ETF VA.TO | 0.00% | 2.0K | 0.22% |
| 8 | Vanguard FTSE Developed All Cap ex U.S. Index ETF (CAD-hedged) VEF.TO | 0.00% | 2.7K | 0.22% |
| 9 | Vanguard FTSE Developed All Cap ex U.S. Index ETF VDU.TO | 0.00% | 1.7K | 0.22% |
| 10 | Vanguard FTSE Developed Markets ETF VEA | 0.00% | 916.6K | 0.03% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
-83.3K
Shares Outstanding
388.52M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| James Gladstone Georgeson | Executive Officer | 1M | male |
| Anthony Hynes | Executive Chairman | 920.2K | male |
| Peter A. Lang | Chief Corporate Development Officer | 691.6K | male |
| Bryan Lewis | Chief Product Officer & Chief Executive Officer of North America | — | male |
| Mario Natoli | Chief Marketing & Customer Officer | — | male |
| Patrick Hall | Chief Commercial Officer | — | male |
| Paul Boorer | Chief Technology Officer | — | male |
| Steven Eisenhauer | Chief Risk & Compliance Officer | — | male |
| Adam R. Olding FCIS | Chief Executive Officer | — | male |
| Stuart Will | Chief Financial Officer | — | male |
| Alex Mills | Chief Operating Officer | — | male |
| Anna Gorton | Group General Counsel & Company Secretary | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for EML.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
