Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Earlypay Limited (EPY.AX)
North Sydney, NSW, AU
Earlypay Limited, established in 2001 and headquartered in North Sydney, Australia, delivers a comprehensive suite of financial solutions to businesses across the country. Its operations are structured across three key divisions: Invoice Finance, Equipment Finance, and Other Services. Under its Invoice Finance umbrella, the company provides services like invoice factoring and discounting, clean energy financing, and flexible business lines of credit. The Equipment Finance segment assists with funding for both new and pre-owned machinery, offering solutions such as sale-and-leaseback arrangements, private purchase financing, and intermediate-term loans. Additionally, Earlypay supplies employment-related services, including staff procurement and project oversight, alongside various trade finance products. The firm also operates Skippr, a digital platform dedicated to offering financial support to small and medium-sized enterprises (SMEs). Previously known as CML Group Limited, the company adopted the Earlypay Limited name in November 2020.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -3.85% | -16.67% | -21.88% | -41.86% | -34.21% | -40.48% | -39.02% | -75.00% | -35.90% | -38.09% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2025-09 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-6.7% Q4'25: -4.5% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+22.4% Q4'25: -95.6% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+15.8% Q4'25: +10.5% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+41.4% ★ Q4'25: +31.1% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+5.7% ★ Q4'25: +7.0% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-4.5% ★ Q4'25: -10.9% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×9.72× Q4'25: 6.36× (vs Q4'23)
* 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.
| Metric |
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 1 Rev. Ana. 1 EPS Ana. |
Jun 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
162.24M
est: 162.24M (+0.0%)
|
27.09M
est: 252.20M (-89.3%)
|
40.01M
est: 310.30M (-87.1%)
|
46.75M
est: 49.35M (-5.3%)
|
47.46M
est: 51.40M (-7.7%)
|
46.86M
est: 47.10M (-0.5%)
|
42.51M
est: 45.60M (-6.8%)
|
25.96M
est: 56.70M (-54.2%)
|
60.54M
est: 57.00M (+6.2%)
|
54.56M
est: 35.60M (+53.2%)
|
50.93M
est: 36.40M (+39.9%)
|
41.60M
41.60M – 41.60M
+14.3% YoY
|
45.90M
45.88M – 45.92M
+10.3% YoY
|
| EBITDA |
496.0K
est: 85.66M (-99.4%)
|
5.49M
est: 133.15M (-95.9%)
|
7.41M
est: 163.82M (-95.5%)
|
9.31M
est: 26.05M (-64.3%)
|
13.79M
est: 27.14M (-49.2%)
|
16.68M
est: 24.87M (-32.9%)
|
22.06M
est: 24.07M (-8.4%)
|
27.32M
est: 29.93M (-8.7%)
|
10.47M
est: 30.09M (-65.2%)
|
25.66M
est: 18.79M (+36.5%)
|
24.32M
est: 19.22M (+26.6%)
|
21.96M
21.96M – 21.96M
+14.3% YoY
|
24.23M
24.22M – 24.24M
+10.3% YoY
|
| EBIT |
758.0K
est: 78.22M (-99.0%)
|
2.81M
est: 121.59M (-97.7%)
|
11.76M
est: 149.60M (-92.1%)
|
14.74M
est: 23.79M (-38.0%)
|
19.23M
est: 24.78M (-22.4%)
|
15.38M
est: 22.71M (-32.3%)
|
18.80M
est: 21.98M (-14.5%)
|
25.03M
est: 27.34M (-8.4%)
|
8.76M
est: 27.48M (-68.1%)
|
22.90M
est: 17.16M (+33.4%)
|
21.06M
est: 17.55M (+20.0%)
|
20.06M
20.06M – 20.06M
+14.3% YoY
|
22.13M
22.12M – 22.14M
+10.3% YoY
|
| Net Income |
17.0K
est: 5.01M (-99.7%)
|
38.0K
est: 5.26M (-99.3%)
|
2.53M
est: 6.01M (-57.9%)
|
3.19M
est: 8.20M (-61.2%)
|
8.40M
est: 12.24M (-31.4%)
|
3.67M
est: 9.64M (-61.9%)
|
7.24M
est: 9.23M (-21.5%)
|
13.22M
est: 15.15M (-12.7%)
|
-7.74M
est: 1.93M (-501.7%)
|
2.45M
est: 4.68M (-47.7%)
|
2.87M
est: 5.78M (-50.4%)
|
8.26M
8.26M – 8.26M
+42.9% YoY
|
10.74M
10.74M – 10.74M
+30.0% YoY
|
| SGA |
76.05M
est: 55.25M (+37.6%)
|
13.28M
est: 85.88M (-84.5%)
|
12.49M
est: 105.67M (-88.2%)
|
21.44M
est: 16.81M (+27.6%)
|
18.44M
est: 17.50M (+5.3%)
|
17.20M
est: 16.04M (+7.2%)
|
13.74M
est: 15.53M (-11.5%)
|
15.01M
est: 19.31M (-22.2%)
|
14.88M
est: 19.41M (-23.3%)
|
14.44M
est: 12.12M (+19.1%)
|
14.80M
est: 12.40M (+19.4%)
|
14.17M
14.17M – 14.17M
+14.3% YoY
|
15.63M
15.62M – 15.64M
+10.3% YoY
|
| EPS |
0.00
est: 0.02 (-98.9%)
|
0.00
est: 0.02 (-97.9%)
|
0.02
est: 0.02 (-12.0%)
|
0.02
est: 0.03 (-41.2%)
|
0.04
est: 0.04 (-5.7%)
|
0.01
est: 0.04 (-62.3%)
|
0.03
est: 0.03 (-5.1%)
|
0.05
est: 0.06 (-14.5%)
|
-0.03
est: 0.01 (-482.9%)
|
0.01
est: 0.02 (-50.0%)
|
0.01
est: 0.02 (-50.0%)
|
0.03
0.03 – 0.03
+42.9% YoY
|
0.04
0.04 – 0.04
+30.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-25 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-22 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-21 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-20 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-18 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-15 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-23 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-22 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-21 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-20 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-16 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| James Beeson | Chief Executive Officer, MD & Executive Director | 659.9K | male |
| Paul Murray | Chief Financial Officer, Joint Company Secretary & Chief Operating Officer | 499.3K | male |
| Lee Trego | Chief Commercial Officer | — | male |
| Mathew Watkins | Joint Company Secretary | — | male |
| Riman Akhunji | Chief Risk Officer | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for EPY.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.
