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EarlyPay Limited
(Sydney:EPY)
EarlyPay Limited (EPY) vs. iShares MSCI Australia ETF (EWA)
EarlyPay Limited Business Overview & Revenue Model
EarlyPay Limited Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 50.93M | 50.93M | 54.56M | 60.54M | 25.95M | 42.51M |
| Gross Profit | 36.57M | 30.08M | 40.62M | 41.48M | 6.28M | 24.96M |
| EBITDA | 23.07M | 24.32M | 25.66M | 9.87M | 27.32M | 22.06M |
| Net Income | 2.87M | 2.87M | 2.45M | -7.74M | 13.22M | 7.24M |
Balance Sheet | ||||||
| Total Assets | 314.61M | 314.61M | 314.04M | 360.30M | 492.83M | 376.43M |
| Cash, Cash Equivalents and Short-Term Investments | 37.56M | 37.56M | 40.13M | 52.99M | 52.71M | 44.77M |
| Total Debt | 236.32M | 236.32M | 236.72M | 280.36M | 293.97M | 207.41M |
| Total Liabilities | 240.56M | 240.56M | 241.43M | 286.81M | 407.74M | 317.92M |
| Stockholders Equity | 74.05M | 74.05M | 72.61M | 73.48M | 85.09M | 58.51M |
Cash Flow | ||||||
| Free Cash Flow | 9.10M | 8.79M | 8.24M | 8.30M | 11.95M | 4.39M |
| Operating Cash Flow | 9.12M | 9.12M | 9.33M | 9.21M | 12.68M | 4.81M |
| Investing Cash Flow | -9.73M | -9.73M | 24.39M | 11.72M | -84.23M | -37.73M |
| Financing Cash Flow | -1.96M | -1.96M | -46.58M | -20.65M | 79.49M | 39.49M |
EarlyPay Limited Technical Analysis
EarlyPay Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | €97.81M | 17.38 | 15.56% | ― | 7.92% | ― | |
65 Neutral | AU$56.68M | 20.00 | 3.91% | 3.76% | -6.67% | 22.09% | |
58 Neutral | AU$104.14M | 15.20 | 12.72% | ― | -0.51% | ― | |
42 Neutral | AU$47.85M | -6.54 | -19.44% | ― | -2.35% | 13.33% | |
42 Neutral | AU$89.11M | -1.32 | -42.59% | ― | -9.56% | -392.31% | |
38 Underperform | AU$34.60M | -9.58 | -26.29% | ― | 8.28% | 84.45% |
EarlyPay Limited Corporate Events
EarlyPay Limited has announced that its Annual General Meeting (AGM) will be held virtually on November 27, 2025, at 10:00 AM AEDT. Shareholders are encouraged to register in advance and submit their proxies early to participate in the meeting, which will include a poll on proposed resolutions and opportunities for shareholders to ask questions. This virtual format reflects the company’s commitment to accessibility and engagement with its stakeholders, ensuring that shareholders can participate fully regardless of location.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing buy-back of ordinary fully paid securities, trading under the ASX code EPY. The company reported that as of October 27, 2025, it has repurchased a total of 2,648,772 securities, with an additional 200,000 securities bought back the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program. As of October 21, 2025, the company has repurchased a total of 2,314,997 ordinary fully paid securities, with an additional 133,775 securities bought back on the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, which involves the repurchase of its ordinary fully paid securities. As of the latest update, the company has bought back a total of 2,314,997 securities, with 7,933 purchased on the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and enhance shareholder value, reflecting a commitment to optimizing its financial operations and market positioning.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, revealing that a total of 2,307,064 ordinary fully paid securities have been bought back, including 10,000 on the previous day. This buy-back program is part of EarlyPay’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future prospects.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing share buy-back program, with a total of 2,294,338 securities bought back before the previous day and an additional 2,726 securities acquired on the previous day. This buy-back initiative is part of the company’s strategy to enhance shareholder value and optimize its capital structure, reflecting a commitment to returning capital to shareholders and potentially improving earnings per share.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited announced the cessation of 2,294,338 ordinary fully paid securities as part of an on-market buy-back, effective October 2, 2025. This move is likely to impact the company’s capital structure and could influence its market positioning by potentially increasing shareholder value and optimizing its capital efficiency.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program. As of October 3, 2025, the company has repurchased a total of 2,292,543 ordinary fully paid securities, with an additional 1,795 securities bought back on the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, revealing that a total of 43,771 ordinary fully paid securities were bought back on the previous day, bringing the total number of securities bought back to 2,248,772. This buy-back initiative is part of EarlyPay’s strategy to enhance shareholder value and optimize its capital structure, reflecting the company’s commitment to maintaining a robust financial position and potentially increasing earnings per share.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing share buy-back program, revealing that a total of 2,176,498 securities have been bought back prior to the previous day, with an additional 72,274 securities acquired on the previous day. This buy-back initiative is part of the company’s strategy to enhance shareholder value and optimize its capital structure, potentially impacting its market position and investor relations.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, revealing that a total of 2,176,498 ordinary fully paid securities have been bought back as of September 26, 2025. This buy-back initiative is part of the company’s strategy to optimize its capital structure and enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced a daily update on its ongoing on-market buy-back program for its ordinary fully paid securities, identified by the ASX code EPY. As of September 25, 2025, the company has repurchased a total of 2,159,411 securities, including 12,027 securities bought back on the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program. As of September 24, 2025, the company has bought back a total of 2,147,384 ordinary fully paid securities, including 88,612 securities purchased on the previous day. This buy-back initiative reflects EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program. As of September 23, 2025, the company has bought back a total of 2,058,772 ordinary fully paid securities, including 54,241 securities purchased on the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, revealing that it has repurchased a total of 353,713 ordinary fully paid securities on the previous day. This buy-back initiative, which began in November 2024, is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing share buy-back program, reporting the acquisition of 202,046 ordinary fully paid securities on the previous day, bringing the total to 1,448,772 shares bought back. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value, reflecting a proactive approach to managing its financial resources and market presence.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited announced an update on its ongoing share buy-back program, revealing the purchase of 35,103 ordinary fully paid securities on the previous day, adding to a total of 1,413,669 securities bought back to date. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value, reflecting its commitment to maintaining a robust financial position in the market.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced a daily update on its on-market buy-back program, revealing that it repurchased 400,000 ordinary fully paid securities on the previous day, bringing the total number of securities bought back to 1,413,669. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced a daily buy-back of its ordinary fully paid securities, with a total of 14,990 securities bought back on the previous day. This ongoing buy-back initiative, which began on November 1, 2024, reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program. As of September 12, 2025, the company has bought back a total of 998,679 ordinary fully paid securities, including 117,764 securities purchased on the previous day. This buy-back initiative is part of EarlyPay’s strategy to optimize its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, revealing that a total of 250,000 ordinary fully paid securities were repurchased on the previous day, adding to the 630,915 securities bought back before that. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure effectively, which could potentially enhance shareholder value and reflect confidence in the company’s financial health.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market share buy-back program. As of September 4, 2025, the company has repurchased a total of 630,915 ordinary fully paid securities, with 40 securities bought back on the previous day. This buy-back initiative is part of EarlyPay’s strategy to enhance shareholder value and optimize its capital structure, reflecting confidence in its financial position and future prospects.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update on its ongoing on-market buy-back program, reporting the acquisition of 62,232 ordinary fully paid securities on the previous day, bringing the total number of securities bought back to 568,643. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its ongoing on-market buy-back program, which involves the repurchase of its ordinary fully paid securities. As of the latest update, the company has bought back a total of 437,728 securities on the previous day, contributing to an overall buy-back total of 130,915 securities before the previous day. This buy-back initiative is part of EarlyPay’s strategy to manage its capital structure and potentially enhance shareholder value.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced an update regarding its on-market buy-back program, specifically detailing the daily buy-back of its ordinary fully paid securities. The company reported that 103,863 securities were bought back on the previous day, marking the continuation of its buy-back initiative initially notified on November 1, 2024. This move is part of EarlyPay’s strategic efforts to manage its capital structure, potentially enhancing shareholder value and signaling confidence in its financial stability.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has released its corporate governance statement for the financial year ending June 30, 2025, which is available on their website. The statement outlines the company’s adherence to the ASX Corporate Governance Council’s principles and recommendations, demonstrating their commitment to transparency and accountability. This disclosure is crucial for stakeholders as it highlights the company’s governance practices and compliance with regulatory standards, potentially impacting investor confidence and corporate reputation.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced a new dividend distribution for its shareholders, with a payment of AUD 0.0065 per share. The dividend relates to the six-month period ending on June 30, 2025, and will be paid on September 26, 2025. This announcement reflects EarlyPay’s ongoing commitment to delivering value to its shareholders and could potentially enhance its market positioning by demonstrating financial stability and shareholder returns.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited has announced its FY25 results, highlighting its strategic focus on capturing a significant share of the SME invoice finance market in Australia. The company is targeting approximately 6% of the estimated addressable market, emphasizing service and product innovation, technology advancement, and strong values such as positivity, growth, respect, collaboration, integrity, and accountability. This strategic positioning is expected to enhance EarlyPay’s market presence and offer valuable solutions to SMEs, potentially impacting stakeholders positively.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
Earlypay Limited reported a 24% increase in underlying NPAT to $5.1 million for FY25, with a strong focus on improving credit performance and expanding its equipment finance portfolio. The company is actively working on technology consolidation to streamline operations and enhance innovation, while maintaining a robust capital position and declaring a fully franked final dividend. The strategic rebalancing towards a diversified portfolio and improved risk management have resulted in a significant reduction in credit loss expenses, providing flexibility for future growth.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
EarlyPay Limited reported a 6.7% decrease in revenue to $50.9 million for the year ending June 2025, but saw a significant 31% increase in net profit after tax to $2.87 million. The adjusted profit after tax, which accounts for non-cash expenses and other non-recurring items, rose by 23.7% to $5.12 million. The company’s financial performance was impacted by adjustments related to amortization, restructuring costs, and tax adjustments. Despite the revenue decline, the company’s profitability has improved, reflecting a positive adjustment in its financial management and operational efficiency.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.30 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.
Earlypay Limited has announced a webinar scheduled for August 26, 2025, where investors can engage with the company’s leadership to discuss the FY25 results. This event is an opportunity for stakeholders to gain insights into Earlypay’s financial performance and strategic direction, potentially impacting investor confidence and market positioning.
The most recent analyst rating on (AU:EPY) stock is a Buy with a A$0.29 price target. To see the full list of analyst forecasts on EarlyPay Limited stock, see the AU:EPY Stock Forecast page.