Want to see AU:EPY full AI Analyst Report?
EarlyPay Limited (EPY) AI Stock Analysis
EarlyPay Limited
(ASX:EPY)
The score is primarily constrained by high leverage, weak recent profitability, and an expensive earnings multiple. Positive cash generation and constructive price positioning provide meaningful support, but they do not offset the company’s financial-risk profile.
EarlyPay Limited (EPY) vs. iShares MSCI Australia ETF (EWA)
- Market Cap
- AUD 33.15M
- Dividend Yield
- 1.44%
- Average Volume (3M)
- 110.33K
- Price to Earnings (P/E)
- 62.5
- Beta (1Y)
- 0.54
- Revenue Growth
- 4.11%
- EPS Growth
- -83.81%
- Country
- Australia
- Employees
- 44
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
EarlyPay Limited Business Overview & Revenue Model
Company Description
Earlypay Limited, established in 2001 and headquartered in North Sydney, Australia, delivers a comprehensive suite of financial solutions to businesses across the country. Its operations are structured across three key divisions: Invoice Finance, Equ...
How the Company Makes Money
EPY primarily makes money by providing receivables-based finance (e.g., invoice finance/factoring-style facilities and related working-capital products) and earning fees and finance income on the funds advanced to clients. Key revenue streams typical...
EarlyPay Limited Financial Statement Overview
Summary
Positive and improving cash generation supports the score, but thin and volatile profitability and highly leveraged balance-sheet structure create significant financial risk.
Income Statement
47NeutralBalance Sheet
35NegativeCash Flow
62Positive| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.80M | 52.80M | 50.93M | 54.56M | 60.54M | 25.95M |
| Gross Profit | 31.01M | 31.01M | 30.08M | 40.62M | 41.48M | 6.28M |
| EBITDA | 20.21M | 20.21M | 24.32M | 25.66M | 10.47M | 27.32M |
| Net Income | 446.00K | 446.00K | 2.87M | 2.45M | -7.74M | 13.22M |
Balance Sheet | ||||||
| Total Assets | 364.82M | 364.82M | 314.61M | 314.04M | 360.30M | 492.83M |
| Cash, Cash Equivalents and Short-Term Investments | 34.94M | 34.94M | 37.56M | 40.13M | 52.99M | 52.71M |
| Total Debt | 293.00M | 293.00M | 236.32M | 236.72M | 280.36M | 293.97M |
| Total Liabilities | 296.91M | 296.91M | 240.56M | 241.43M | 286.81M | 407.74M |
| Stockholders Equity | 67.91M | 67.91M | 74.05M | 72.61M | 73.48M | 85.09M |
Cash Flow | ||||||
| Free Cash Flow | 7.50M | 7.50M | 8.79M | 8.24M | 8.30M | 11.95M |
| Operating Cash Flow | 7.56M | 7.56M | 9.12M | 9.33M | 9.21M | 12.68M |
| Investing Cash Flow | -58.73M | -58.73M | -9.73M | 24.39M | 11.72M | -84.23M |
| Financing Cash Flow | 49.00M | 49.00M | -1.96M | -46.58M | -20.65M | 79.49M |
EarlyPay Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:EPY, the sentiment is Positive. The current price of 0.13 is below the 20-day moving average (MA) of 0.13, below the 50-day MA of 0.13, and below the 200-day MA of 0.14, indicating a bullish trend. The MACD of 0.00 indicates Negative momentum. The RSI at 56.50 is Neutral, neither overbought nor oversold. The STOCH value of 85.71 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:EPY.
EarlyPay Limited Peers Comparison
Overall Rating
AU:CCP78Outperform
AU:PPM71Outperform
AU:PNC68.6Neutral
AU:SVR67Neutral
AU:HUM57Neutral- AU:EPY52.1Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AU:CCP | 78Outperform | AUD 1.02B | 9.76 | 11.68% | 5.27% | 7.39% | 12.13% |
| AU:PPM | 71Outperform | AUD 784.17M | 7.19 | 12.29% | 8.70% | -0.65% | 8.02% |
| AU:PNC | 69Neutral | AUD 115.47M | 4.16 | 30.04% | ― | 16.06% | 238.05% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AU:SVR | 67Neutral | AUD 260.96M | 9.04 | 8.80% | 8.60% | -6.45% | -0.06% |
| AU:HUM | 57Neutral | AUD 212.34M | 15.03 | 2.93% | 2.13% | -4.83% | -55.49% |
| AU:EPY | 52Neutral | AUD 32.76M | 62.50 | 0.65% | 1.44% | 4.11% | -83.81% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AU:EPY | EarlyPay Limited | 0.13 | -0.08 | -39.61% | |
| AU:SVR | Money3 Corporation Limited | 1.39 | -0.01 | -0.93% | |
| AU:CCP | Credit Corp Group Limited | 14.71 | 1.50 | 11.32% | |
| AU:HUM | Humm Group Limited | 0.47 | -0.14 | -23.45% | |
| AU:PNC | Pioneer Credit Ltd | 0.61 | -0.05 | -7.58% | |
| AU:PPM | Pepper Money Ltd | 1.73 | -0.57 | -24.93% |
EarlyPay Limited Corporate Events
EarlyPay Director Ilkka Tales Boosts Direct Shareholding in On-Market Purchase
EarlyPay Limited has reported a change in the shareholdings of director Ilkka Tales, disclosing both his direct and indirect interests in the company’s ordinary shares. The notice details that Tales holds an indirect stake through a superannuat...
EarlyPay Cancels Shares Following On-Market Buy-Back
EarlyPay Ltd has cancelled 2,880,364 ordinary fully paid shares following an on-market buy-back completed on October 28, 2026. The reduction in issued capital is part of the company’s capital management strategy, potentially improving earnings...
EarlyPay Continues On‑Market Share Buy‑Back Program
EarlyPay Ltd has issued an updated notification confirming the continuation of its on‑market share buy‑back program for its ordinary fully paid shares, EPY, on the ASX. As of 29 October 2026, the company reported that it had repurchased a...
EarlyPay Updates Investors on Ongoing On‑Market Share Buy‑Back
EarlyPay Ltd has issued an updated notification to the ASX regarding its ongoing on‑market share buy‑back of ordinary fully paid securities. The update, dated 28 October 2026, reports that the company repurchased a further eight shares on...
EarlyPay Updates ASX on Ongoing On-Market Share Buy-Back
EarlyPay Ltd has continued its on-market share buy-back program for its ordinary fully paid shares, reporting a total of 22,348,787 securities repurchased prior to the latest trading day. The company bought back an additional 300,063 shares on the pr...
Earlypay Sets Fully Virtual AGM and Moves to Digital Meeting Materials
Earlypay Limited has called its Annual General Meeting for 10:00am AEDT on Thursday, 26 November 2026, to be conducted virtually via a webinar conferencing facility for all shareholders. The company is shifting to electronic distribution of AGM mater...
EarlyPay Updates ASX on Progress of Ongoing On‑Market Share Buy‑Back
EarlyPay Ltd has provided an updated notification to the ASX on its ongoing on-market share buy-back program involving its ordinary fully paid shares, EPY. The company reported that it had repurchased a cumulative 22,309,694 shares before the previou...
EarlyPay Updates Market on Progress of On‑Market Share Buy‑Back
EarlyPay Ltd has issued an updated notification to the ASX confirming the ongoing execution of its on‑market share buy‑back program in its ordinary fully paid shares. The latest daily buy‑back notice, dated 22 October 2026, reports...
EarlyPay updates market on ongoing on-market share buy-back
EarlyPay Ltd has updated the market on its ongoing on‑market share buy‑back program of ordinary fully paid shares. The company reported that it has repurchased a total of 22,185,689 shares prior to the latest trading day, with an addition...
EarlyPay updates market on ongoing on‑market share buy‑back
EarlyPay Ltd has continued its on-market share buy-back program, focused on ordinary fully paid shares trading under the EPY ticker on the ASX. The company reported that it has repurchased a total of 22,138,009 shares prior to the latest trading day,...
EarlyPay Updates Investors on Progress of On-Market Share Buy-Back
EarlyPay Ltd has issued an updated notification on its ongoing on-market share buy-back program for its ordinary fully paid shares on the ASX. The latest filing reports that a total of 22,018,009 shares had been repurchased before the previous day, w...
EarlyPay updates market on ongoing on-market share buy-back
EarlyPay Ltd has provided an updated notification to the ASX on the progress of its on-market share buy-back program for its ordinary fully paid shares, coded EPY. The company reported that a total of 21,714,509 shares had been repurchased before the...
EarlyPay Updates Market on Progress of On‑Market Share Buy‑Back
EarlyPay Ltd has disclosed an update on its ongoing on‑market share buy‑back program, covering ordinary fully paid shares traded under the ASX code EPY. The company did not provide additional detail on its business activities in this fili...
EarlyPay Continues On-Market Share Buy-Back, Lifts Total to Over 21 Million Shares
EarlyPay Ltd has continued its on-market share buy-back program, confirming a daily update to the ASX for its ordinary fully paid shares under the code EPY. The latest notification, dated 22 September 2026, reports that the company repurchased an add...
Earlypay issues new shares under employee scheme and affirms regulatory compliance
Earlypay Limited has issued 55,667 fully paid ordinary shares following the exercise of an equal number of performance rights under its Employee Incentive Scheme, slightly increasing its share base. The company confirmed that the issuance was made wi...
EarlyPay seeks ASX quotation for new share issuance
EarlyPay Ltd has applied to the Australian Securities Exchange for quotation of 55,667 ordinary fully paid shares. The new securities, issued on 18 September 2026, arise from the exercise or conversion of existing options or other convertible instrum...
EarlyPay Updates Investors on Progress of On-Market Share Buy-Back
EarlyPay Ltd has issued an updated notification regarding its ongoing on-market share buy-back program for its ordinary fully paid shares on the ASX. The latest update, dated 18 September 2026, confirms that a total of 20,955,996 shares had been repu...
EarlyPay Updates Market on Daily Progress of On‑Market Share Buy‑Back
EarlyPay Ltd has continued its on‑market share buy‑back program, reporting that a total of 20,879,534 ordinary fully paid shares had been repurchased prior to the latest trading day. The company disclosed that a further 76,462 shares were...
EarlyPay Updates Market on Progress of On-Market Share Buy-Back
EarlyPay Ltd has provided an updated notification to the ASX regarding its ongoing on-market share buy-back program for its ordinary fully paid shares. The latest daily report, dated 15 September 2026, confirms that the company continues to actively...
EarlyPay Updates Market on Progress of On-Market Share Buy-Back
EarlyPay Ltd, listed on the ASX under the code EPY, is focused on managing its capital structure via ordinary fully paid shares. The company utilises on-market buy-back programs as part of its approach to capital management and shareholder returns, r...
Earlypay Director Melos Sulicich Increases Indirect Shareholding
Earlypay Limited has disclosed a change in director Melos Sulicich’s indirect interest in the company’s shares. The update, lodged with the ASX under listing rule requirements, details an on-market purchase that increases the directorR...
EarlyPay Provides Daily Update on Ongoing Share Buy-Back
EarlyPay Ltd has issued an updated notification to the ASX regarding its ongoing on-market buy-back of ordinary fully paid shares. The company reported that it has cumulatively repurchased 20,332,207 shares prior to the latest trading day and acquire...
EarlyPay Director Melos Sulicich Increases Indirect Shareholding via On-Market Purchase
EarlyPay Limited has disclosed a change in director interests, indicating that director Melos Sulicich has acquired an indirect stake in the company. The interest is held through Sulicich Investments Pty Ltd as trustee for a self-managed superannuati...
EarlyPay Director Increases Shareholding via Performance Rights Conversion
EarlyPay Limited has disclosed a change in the interests of director James Beeson, reflecting the conversion of vested performance rights into fully paid ordinary shares. The transaction, effective 1 September 2026, results in Beeson’s indirect...
EarlyPay Updates Daily On‑Market Share Buy‑Back Totals
EarlyPay Ltd, an ASX‑listed financial services and capital markets participant, manages its shareholder base through ordinary fully paid shares under the EPY ticker. The company uses on‑market buy‑back programs as a tool to adjust i...
EarlyPay Expands ASX-Quoted Share Base With New Issue
EarlyPay Ltd has issued 406,667 ordinary fully paid shares, which are set to be quoted on the Australian Securities Exchange under the code EPY. The new securities were issued on Sept. 1, 2026, and the company has lodged a formal application for thei...
EarlyPay Updates Market on Progress of On‑Market Share Buy‑Back
EarlyPay Ltd has provided an updated notification to the ASX on its ongoing on-market share buy-back program for its ordinary fully paid shares. The company reported that it had repurchased a cumulative total of 20,068,494 shares prior to the latest...
Earlypay builds stronger SME lending base as FY26 earnings reset for FY27 growth
Earlypay Limited reported fiscal 2026 net revenue of $36.0 million, up seven per cent, with underlying NPAT of $3.7 million, as funds in use rose 23 per cent to $307.8 million, the highest level in more than three years. Despite higher credit costs i...
Earlypay revenue edges higher but profit slumps on one-off costs
Earlypay Ltd reported a modest 3.8% rise in revenue to $52.9 million for the year to 30 June 2026, but statutory net profit after tax plunged 84.4% to $0.45 million as non-cash and one-off costs weighed on earnings. Underlying NPAT, which management...
Earlypay Invites Investors to FY26 Results Webinar
Earlypay Limited has invited investors to join a webinar and Q&A on 27 August 2026 to discuss its FY26 financial results, with senior management presenting and taking questions. The event underscores the company’s engagement with shareholde...
Earlypay Director James Beeson Updates Equity Holdings After Performance Rights Lapse
Earlypay Limited has disclosed a change in the interests of director James Beeson, detailing adjustments to his direct and indirect holdings in company securities. The update notes the lapse of 406,667 performance rights after vesting conditions were...
EarlyPay Rights Lapse Trims Potential Issued Capital
EarlyPay Ltd has reported the cessation of 1,557,999 EPYAB rights following the lapse of conditional rights to securities. The rights expired on 11 August 2026 because the conditions attached to them were not satisfied or could no longer be met, resu...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 29, 2026