EML Payments (A8Y1) Stock Price & Analysis
A8Y1 Stock Chart & Stats
- Day’s Range
- EUR 0.13 - EUR 0.13
- 52-Week Range
- EUR 0.13 - EUR 0.53
- Previous Close
- EUR 0.13
- Volume
- N/A
- Average Volume (3M)
- 3,789
- Market Cap
- EUR 52.96M
- Enterprise Value
- EUR 170.13M
- Total Cash (Recent Filing)
- EUR 37.75M
- Total Debt (Recent Filing)
- EUR 89.34M
- Price to Earnings (P/E)
- ―
- Beta
- 0.64
- Next Earnings
- Mar 02, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Restructuring And Efficiency
Completed restructuring and measurable operating-cost savings can improve the company’s structural efficiency beyond a single reporting period. A centralized operating model and refreshed leadership may support more consistent execution, lower the cost base, and strengthen EBITDA conversion as revenue scales.
Pipeline And Customer Retention
A sizeable qualified pipeline, demonstrated contract conversion, and renewals across major customers provide evidence of ongoing commercial relevance. These indicators can support revenue rebuilding over the next several quarters while reducing reliance on entirely new customer acquisition.
Path To Positive Cash Flow
Management’s EBITDA guidance and stated path to positive free cash flow provide a defined operating framework for recovery. If delivery is achieved, stronger earnings and targeted savings could improve internal funding capacity, reduce dependence on external capital, and reinforce financial resilience.
Bears Say
Negative Cash Generation
The sharp reversal to negative operating and free cash flow is a material constraint on the business over the medium term. It reduces liquidity available for product investment and obligations, while making the return to positive cash generation dependent on successful execution.
Rising Leverage And Shrinking Equity
Higher leverage combined with a smaller equity cushion reduces financial flexibility while the company remains loss-making. This can constrain capital allocation and increase sensitivity to weaker operating performance, particularly while management is funding restructuring and Arlo investment.
Revenue And Earnings Volatility
Recent customer-revenue and EBITDA declines show that growth has not yet translated into consistent operating momentum. This is compounded by meaningful customer concentration, which can make renewals, implementation timing, or changes in large programs disproportionately affect future earnings.
EML Payments News
A8Y1 FAQ
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EML Payments Stock Smart Score
Company Description
EML Payments
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.
- Sector
- Technology
- Industry
- Specialty Business Services
- CEO
- Adam Rhys Olding
- Employees
- 430
- Website
- www.emlpayments.com
- Address
- 440 Collins Street, Melbourne, VIC, 3000, AU
EML Payments (A8Y1) Earnings & Revenues
A8Y1 Company Deck
A8Y1 Earnings Call
Earnings Call SentimentNeutral
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 summariesA8Y1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 2 | 16 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 0 | 0 | 12 |
