EML Payments (A8Y1) Price & Analysis

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A8Y1 Stock Chart & Stats

€0.16

-€0.01(-4.76%)

At close: Jul 24 4:00 PM EDT

€0.16

-€0.01(-4.76%)

Day’s Range― - ―

52-Week Range€0.16 - €0.62

Previous CloseN/A

Volume0.00

Average Volume (3M)121.00

Market Cap

€58.79M

Enterprise Value€170.13

Total Cash (Recent Filing)€37.75M

Total Debt (Recent Filing)€89.34M

Price to Earnings (P/E)―

Beta0.57

Next Earnings

Mar 02, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)-0.05

Shares Outstanding389,474,300

10 Day Avg. Volume100

30 Day Avg. Volume121

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

€0.62

Price Target Upside285.08% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering1

EPS Forecast (FY)0.01

Revenue Forecast (FY)€131.17M

Bulls Say, Bears Say

Bulls Say

Revenue Rebound And Gross MarginThe revenue recovery and healthy gross margin show that EML retains attractive unit economics and demand across its payments platforms. Sustaining these economics would provide operating leverage if volumes and program activity continue to recover.

Pipeline And Customer RetentionA sizeable pipeline, measurable conversion and strong renewals support medium-term revenue visibility. Retention among major contracts also indicates that EML’s platform remains embedded in customer operations, supporting recurring program economics.

Restructuring And Operational EfficiencyThe completed restructuring and planned Arlo efficiencies can lower the fixed-cost base and improve scalability. If implementation proceeds as planned, these savings should strengthen EBITDA conversion and support management’s stated path to positive free cash flow.

Bears Say

Negative Cash Flow And Reduced LiquidityThe reversal from positive cash generation to substantial FY2026 outflows weakens financial flexibility. Cash was also reduced by major one-off payments, leaving less capacity to fund Arlo, absorb execution issues or withstand further working-capital pressure.

Persistent Losses And Rising LeverageOngoing net losses limit internally funded growth and have reduced the equity cushion. Higher leverage adds balance-sheet risk while profitability remains unproven, making the business more dependent on successful restructuring, revenue growth and cash-flow recovery.

Customer Concentration And Implementation DelaysMeaningful customer concentration and lumpy implementations reduce revenue visibility. Delays caused by client readiness and payment-partner dependencies can defer contracted revenue, raise execution risk and make quarterly performance less predictable over the medium term.

EML Payments News

EML Payments earnings call charts bumpy path to recovery

EML Payments Ltd. (($AU:EML)) has held its Q4 earnings call. Read on for the main highlights of the...

9d ago

EML Payments Lodges Updated Corporate Governance Statement With ASX

An update from EML Payments ( ($AU:EML) ) is now available. EML Payments Limited, an ASX-listed financial technology...

10d ago

EML Payments Flags Earnings Dip but Sees Cash Flow Upside After Restructuring

EML Payments ( ($AU:EML) ) has provided an update. EML Payments reported FY26 revenue of $206.8 million, down...

10d ago

EML Payments Seeks ASX Quotation for Employee Incentive Shares

EML Payments ( ($AU:EML) ) has shared an update. EML Payments Limited has applied to the ASX for...

1M ago

EML Payments Seeks ASX Quotation for New Employee Incentive Shares

EML Payments ( ($AU:EML) ) has shared an announcement. EML Payments Limited has applied for quotation of 500,000...

1M ago

EML Payments Issues Unquoted Performance Rights Under Employee Incentive Plan

The latest update is out from EML Payments ( ($AU:EML) ). EML Payments Limited has notified the market...

2M ago

EML Payments Issues 1.79 Million Unquoted Performance Rights Under Employee Scheme

An update from EML Payments ( ($AU:EML) ) is now available. EML Payments has notified the market of...

2M ago

EML Payments Seeks ASX Quotation for New Employee Incentive Shares

An update from EML Payments ( ($AU:EML) ) is now available. EML Payments Limited has applied to the...

4M ago

EML Payments advances ADI path as regulators extend interim guarantee deadline

The latest update is out from EML Payments ( ($AU:EML) ). EML Payments’ subsidiary EML Payment Solutions Limited...

4M ago

EML Issues Over 3.2 Million Unquoted Performance Rights Under Incentive Scheme

EML Payments ( ($AU:EML) ) has issued an update. EML Payments Limited has notified the market of the...

4M ago

EML Payments downgraded to Sector Perform from Outperform at RBC Capital

RBC Capital downgraded EML Payments (EMCHF) to Sector Perform from Outperform with a price target of A$0.70, down...

5M ago

EML Payments initiated with a Buy at Canaccord

Canaccord initiated coverage of EML Payments (EMCHF) with a Buy rating and A$1.80 price target The firm says...

1y ago

EML Payments upgraded to Outperform from Sector Perform at RBC Capital

RBC Capital upgraded EML Payments (EMCHF) to Outperform from Sector Perform with a price target of A$1.20, up...

2y ago

EML Payments downgraded to Sector Perform from Outperform at RBC Capital

RBC Capital downgraded EML Payments to Sector Perform from Outperform with a price target of A$1.20, down from...

3y ago

A8Y1 FAQ

What was EML Payments Ltd.’s price range in the past 12 months?

EML Payments Ltd. lowest stock price was €0.16 and its highest was €0.62 in the past 12 months.

What is EML Payments Ltd.’s market cap?

EML Payments Ltd.’s market cap is €58.79M.

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 186 days.

How were EML Payments Ltd.’s earnings last quarter?

EML Payments Ltd. released its earnings results on Aug 18, 2026. The company reported -€0.025 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is EML Payments Ltd. overvalued?

According to Wall Street analysts EML Payments Ltd.’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

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 389,474,300 shares outstanding.

What happened to EML Payments Ltd.’s price movement after its last earnings report?

EML Payments Ltd. reported an EPS of -€0.025 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -8.824%.

Which hedge fund is a major shareholder of EML Payments Ltd.?

Currently, no hedge funds are holding shares in DE:A8Y1

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

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

-1.95%

Trailing 12-Months

Top Smart Score Stocks >

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 Payments (A8Y1) Earnings & Revenues

Historic Earnings Reports

A8Y1 Company Deck

A8Y1 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 DE:A8Y1 earnings summaries

A8Y1 Stock 12 Month Forecast

Average Price Target

€0.62

▲(285.08% Upside)

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Detailed Analyst Forecast >