A8Y1 Stock Chart & Stats
€0.16
-€0.01(-4.76%)
At close: 4:00 PM EDT
€0.16
-€0.01(-4.76%)
Day’s Range― - ―
52-Week Range€0.13 - €0.56
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€57.95M
Enterprise Value€170.13
Total Cash (Recent Filing)€37.75M
Total Debt (Recent Filing)€89.34M
Price to Earnings (P/E)―
Beta0.64
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. Volume0
30 Day Avg. Volume0
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
€0.62Price Target Upside287.49% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.01
Revenue Forecast (FY)€132.84M
Bulls Say, Bears Say
Bulls Say
Revenue Rebound And Gross-margin StrengthThe sharp FY2026 revenue recovery shows that EML retains meaningful demand for its payment programs after prior contraction. A gross margin near 60% provides operating leverage potential if volumes remain healthy, supporting reinvestment and future profitability once restructuring and investment costs moderate.
Pipeline And Customer RetentionA sizeable qualified pipeline and 35% conversion rate support future program additions, while renewals among major customers indicate improving client relationships. Together, these factors can strengthen recurring platform and transaction revenue, although delivery timing remains important to converting bookings into results.
Structural Efficiency ProgramCompleted restructuring and a centralised operating model have already produced measurable cost savings, while Arlo offers further efficiency potential. If implementation proceeds as planned, lower overhead intensity should improve EBITDA conversion and create a more scalable base for growth over the next several years.
Bears Say
Persistent Losses And Weak Cash GenerationRecurring net losses show that EML has not yet established durable earnings profitability, while the latest reversal to negative operating and free cash flow reduces internal funding capacity. Sustained cash pressure could constrain investment, increase reliance on financing, and delay the benefits of its recovery plan.
Rising Leverage And Shrinking Equity CushionHigher leverage combined with a declining equity base leaves EML with less financial cushion than in prior years. This can limit flexibility while the company funds Arlo and other initiatives, and makes weaker-than-expected earnings or cash conversion more consequential for capital allocation and balance-sheet stability.
Customer Concentration And Lumpy RevenueMeaningful exposure to a relatively small group of customers makes revenue more sensitive to contract renewals, resizing, and implementation timing. This concentration can produce uneven quarterly performance and complicate forecasting, while delayed or lost large programs could weaken the expected pipeline-to-cash conversion.
EML Payments News
A8Y1 FAQ
What was EML Payments Ltd.’s price range in the past 12 months?
EML Payments Ltd. lowest stock price was €0.13 and its highest was €0.56 in the past 12 months.
What is EML Payments Ltd.’s market cap?
EML Payments Ltd.’s market cap is €57.95M.
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 165 days.
How were EML Payments Ltd.’s earnings last quarter?
EML Payments Ltd. released its earnings results on Aug 18, 2026. The company reported -€0.025 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 -€0.025 in its last earnings report. Following the earnings report the stock price went down -8.824%.
Which hedge fund is a major shareholder of EML Payments Ltd.?
Currently, no hedge funds are holding shares in DE:A8Y1
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€0.62 (287.49% Upside)
€0.62 (287.49% Upside)
Blogger Sentiment
Bullish
DE:A8Y1 Sentiment 83%
Sector Average 61%
Sector Average 61%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-70.12%
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.
A8Y1 Company Deck
A8Y1 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 DE:A8Y1 earnings summariesA8Y1 Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€0.62
▲(287.49% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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