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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$0.22 - AU$1.09
Previous CloseN/A
Volume528.40K
Average Volume (3M)1.59M
Market Cap
AU$95.42M
Enterprise ValueAU$170.13
Total Cash (Recent Filing)AU$37.75M
Total Debt (Recent Filing)AU$89.34M
Price to Earnings (P/E)―
Beta0.70
Next Earnings
Mar 02, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.05
Shares Outstanding389,474,300
10 Day Avg. Volume1,926,558
30 Day Avg. Volume1,593,451
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
Revenue Rebound And Gross MarginFY2026 revenue rebounded 33% year on year and gross margin stayed near 60%, showing the platform can recover demand while retaining attractive economics. If sustained, this provides a stronger base to absorb overheads and convert growth into improved profitability.
Pipeline And Customer RetentionA sizeable pipeline, 35% conversion rate, and strong renewals indicate continuing commercial traction and customer retention. These factors support more durable revenue generation by combining new-business opportunities with protection of established program relationships.
Restructuring And Efficiency GainsCompleted restructuring and a 35% like-for-like saving at the Sofia operations center demonstrate tangible efficiency progress. A more centralized operating model can support scalable growth and create a recurring cost base that improves earnings quality over multiple periods.
Bears Say
Persistent UnprofitabilityPersistent annual net losses and a negative FY2026 net margin show that revenue scale has not yet translated into sustainable bottom-line profitability. Continued losses reduce internal funding capacity and leave earnings more dependent on successful operational improvement.
Negative Recent Cash GenerationThe sharp FY2026 reversal to negative operating and free cash flow is a material weakness in the current earnings profile. Sustained cash deficits could constrain investment, increase reliance on financing, and limit flexibility while management executes its recovery plan.
Customer Concentration And Revenue LumpinessMeaningful exposure to a limited group of customers makes revenue more sensitive to renewals, contract resizing, and implementation timing. This concentration and lumpiness can reduce forecasting reliability and create periods of weaker growth even when the broader pipeline remains active.
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$0.22 and its highest was AU$1.08 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is AU$95.42M.
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 176 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 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 -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
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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 60%
Sector Average 60%
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-68.75%
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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