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EML Stock Chart & Stats
AU$0.24
<AU$0.01(1.61%)
At close: 4:00 PM EDT
AU$0.24
<AU$0.01(1.61%)
Day’s Range― - ―
52-Week RangeAU$0.21 - AU$1.03
Previous CloseN/A
Volume528.40K
Average Volume (3M)1.75M
Market Cap
AU$89.99M
Enterprise ValueAU$170.13M
Total Cash (Recent Filing)AU$37.75M
Total Debt (Recent Filing)AU$89.34M
Price to Earnings (P/E)―
Beta0.79
Next Earnings
Mar 02, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.05
Shares Outstanding391,262,480
10 Day Avg. Volume1,097,065
30 Day Avg. Volume1,751,833
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)0.91
Price to Sales (P/S)0.57
P/FCF Ratio-3.49
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.00Price Target Upside316.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.02
Revenue Forecast (FY)AU$214.60M
Bulls Say, Bears Say
Bulls Say
Healthy Gross Margin And FY2026 Revenue ReboundThe FY2026 revenue rebound and roughly 60% gross margin indicate that EML retains attractive unit economics in its payments platforms. If revenue momentum is sustained, this gross-profit base can support investment in products, customer programs and operating efficiency while improving earnings leverage.
Restructuring Delivered Measurable Operating SavingsCompleted restructuring and demonstrated operating-center savings provide a more efficient foundation for the business. A centralized model, refreshed leadership and embedded performance systems can support consistent execution and help preserve margins as EML scales programs across regions and products.
Pipeline Momentum And Strong Contract RenewalsA sizeable qualified pipeline combined with a 35% conversion rate and strong renewals supports the durability of EML’s client relationships and future program volumes. Higher retention reduces replacement pressure, while new wins provide a basis for rebuilding customer revenue over coming periods.
Bears Say
Negative Latest-year Cash GenerationThe reversal to negative operating and free cash flow is a material constraint on EML’s financial flexibility. Continued cash consumption could limit investment capacity and increase reliance on funding or asset monetisation, making execution of the recovery plan more important over the next several quarters.
Persistent Losses And Inconsistent Operating ProfitabilityPersistent net losses show that EML has not yet converted its payment-platform scale and healthy gross margin into durable bottom-line profitability. Inconsistent EBIT also leaves earnings more sensitive to revenue timing, cost execution and interest income, increasing uncertainty around sustainable returns.
Meaningful Client Concentration And Lumpy RevenueMaterial exposure to a relatively small group of large clients makes revenue and program volumes vulnerable to renewal timing, resizing or delayed implementations. This concentration can create uneven reported performance and complicate forecasting, even when underlying demand for payment solutions remains intact.
EML Payments News
EML FAQ
What was EML Payments Ltd.’s price range in the past 12 months?
EML Payments Ltd. lowest share price was AU$0.20 and its highest was AU$1.02 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is AU$89.99M.
When is EML Payments Ltd.’s upcoming earnings report date?
EML Payments Ltd.’s upcoming earnings report date is Mar 02, 2027 which is in 148 days.
How were EML Payments Ltd.’s earnings last quarter?
EML Payments Ltd. released its earnings results on Aug 18, 2026. The company reported -AU$0.04 earnings per share for the quarter.
Is EML Payments Ltd. overvalued?
According to Wall Street analysts EML Payments Ltd.’s price is currently Undervalued.
Does EML Payments Ltd. pay dividends?
EML Payments Ltd. does not currently pay dividends.
What is EML Payments Ltd.’s EPS estimate?
EML Payments Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EML Payments Ltd. have?
EML Payments Ltd. has 391,262,480 shares outstanding.
What happened to EML Payments Ltd.’s price movement after its last earnings report?
EML Payments Ltd. reported an EPS of -AU$0.04 in its last earnings report. Following the earnings report the stock price went down -17.143%.
Which hedge fund is a major shareholder of EML Payments Ltd.?
Currently, no hedge funds are holding shares in AU:EML
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
EML Payments Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.00 (316.67% Upside)
AU$1.00 (316.67% Upside)
Blogger Sentiment
Bullish
AU:EML Sentiment 83%
Sector Average 62%
Sector Average 62%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-69.29%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-1.95%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
EML Payments Ltd.
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.
EML Company Deck
EML Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed but constructive outlook: management has completed significant restructuring, strengthened leadership, delivered measurable cost savings and outlined a credible path to positive free cash flow (guidance: underlying EBITDA $50–54m for FY27 and pro forma FY28 free cash flow $30–35m). However, FY26 financials missed expectations with revenue declines, an 18% drop in underlying EBITDA, an 11% decline in interest income, notable one-off cash outflows (including a $40.9m class action settlement) and implementation/partner-related activation delays that weighed on near-term performance. The company’s improved operational footing, pipeline momentum and product initiatives (Arlo, mobility/Tendren) provide upside, but execution risk and near-term cash/headline earnings pressure balance those positives.View all AU:EML earnings summariesEML Stock 12 Month Forecast
Average Price Target
AU$1.00
▲(316.67% Upside)
Technical Analysis
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