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EarlyPay Limited (EPY) Share Price & Analysis

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EPY Stock Chart & Stats

A$0.13A$0.00(0.00%)
At close: 4:00 PM GMT+11
AU$0.12AU$0.13AU$0.14AU$0.15Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 10
Day’s Range
AUD 0.13 - AUD 0.13
52-Week Range
AUD 0.11 - AUD 0.22
Previous Close
AUD 0.13
Volume
N/A
Average Volume (3M)
51.54K
Market Cap
AUD 30.33M
Enterprise Value
AUD 289.67M
Total Cash (Recent Filing)
AUD 34.94M
Total Debt (Recent Filing)
AUD 293.00M
Price to Earnings (P/E)
62.5
Beta
0.47
Next Earnings
Feb 24, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 01, 2026
Dividend Yield
1.44%

Bulls Say, Bears Say

Bulls Say

Consistent Cash Generation

Consistently positive operating and free cash flow indicates that EPY’s receivables-finance activities generate cash through different earnings conditions, including the 2023 loss year. This supports ongoing operations, customer funding and selective investment without relying entirely on external capital.

Return To Profitability

The return to modest profitability after the 2023 loss shows that EPY retains an earnings-producing operating base despite reported volatility. Maintaining positive net income across 2024–2026 can support capital formation and improve resilience if earnings quality becomes more consistent.

Working-Capital Finance Model

EPY’s focus on receivables financing addresses a recurring business need: converting invoices and trade receivables into accessible liquidity. This specialized model can support repeat client usage and recurring finance income and fees as customers manage cash conversion over time.

Bears Say

High And Rising Leverage

High leverage and the further increase in debt reduce EPY’s financial flexibility and leave less capacity to absorb weaker credit performance or higher funding costs. A debt-to-equity ratio above roughly three times also makes balance-sheet repair more dependent on stronger earnings or asset actions.

Declining Equity Base

A shrinking equity base provides a thinner capital cushion against losses in a lending business, particularly when debt remains high. This can constrain growth, reduce tolerance for receivables deterioration and make future funding or capital allocation decisions more restrictive.

Volatile And Weak Earnings

Choppy revenue and inconsistent profitability make EPY’s earnings power harder to forecast over the next several quarters. The notably weak 2026 net income suggests that operating strength has not translated reliably into bottom-line results, increasing sensitivity to credit-cycle or below-the-line pressures.

EarlyPay Limited News

EPY FAQ

What was EarlyPay Limited’s price range in the past 12 months?
EarlyPay Limited lowest share price was AU$0.11 and its highest was AU$0.22 in the past 12 months.
What is EarlyPay Limited’s market cap?
EarlyPay Limited’s market cap is AU$30.33M.
When is EarlyPay Limited’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were EarlyPay Limited’s earnings last quarter?
EarlyPay Limited released its earnings results on Aug 26, 2026. The company reported AU$0.002 earnings per share for the quarter.
Is EarlyPay Limited overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does EarlyPay Limited pay dividends?
EarlyPay Limited pays a semiannual dividend of AU$0.002 which represents an annual dividend yield of 1.44%. See more information on EarlyPay Limited dividends here
What is EarlyPay Limited’s EPS estimate?
EarlyPay Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does EarlyPay Limited have?
EarlyPay Limited has 242,666,690 shares outstanding.
What happened to EarlyPay Limited’s price movement after its last earnings report?
EarlyPay Limited reported an EPS of AU$0.002 in its last earnings report. Following the earnings report the stock price went up 16.949%.
Which hedge fund is a major shareholder of EarlyPay Limited?
Currently, no hedge funds are holding shares in AU:EPY
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