1. Australia Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
EarlyPay Limited

EarlyPay Limited

AASX:EPY
0.13
AUD
+0.00
(-3.85%)
0.00EPS
70.14P/E
29.41MMarket Cap
Feb 24Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
Revenue per Share
1.86
1.68
0.28
0.3
0.28
0.24
0.22
0.19
0.09
0.09
0.08
0.08
0.08
Basic EPS, GAAP
0.01
- -
- -
0.02
0.02
0.04
0.02
0.03
0.05
-0.03
0.01
0.01
- -
Free Cash Flow per Basic Share
-0.05
-0.11
-0.39
-0.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.01
0.01
- -
0.01
0.01
0.02
0.01
0.03
0.02
0.02
- -
- -
0.01
Book Value per Share
0.11
0.1
0.12
0.13
0.2
0.22
0.25
0.25
0.3
0.25
0.27
0.27
0.28
Tangible Book Value per Share
- -
-0.05
-0.12
0.03
0.12
0.15
0.13
0.12
0.19
0.15
0.15
0.16
0.16
Basic Weighted Avg Shares
74
96
97
132
172
201
211
227
281
289
286
272
261
Sales/Revenue/Turnover
139
162
27
40
48
47
47
43
26
26
22
21
21
Operating Margin (%)
1.32
0.27
19.37
29.08
33.61
40.08
33.57
41.05
-10.83
-95.02
-44.16
-42.54
-64.87
Depreciation Expense
- -
- -
- -
2
1
1
1
2
2
2
3
3
3
Net Income, GAAP
1
- -
- -
3
3
8
4
7
13
-8
2
3
- -
Effective Tax Rate (%)
33.85
- -
33.84
33.84
36.85
29.78
19.03
29.86
13.52
- -
30.56
26.54
34.12
Profit Margin (%)
0.8
0.01
0.14
6.35
6.61
17.7
7.84
17.02
50.94
-30.12
11.2
13.72
2.08
Working Capital
-7
33
74
73
-30
-11
27
-77
109
109
54
56
206
LT Debt
- -
67
149
146
88
45
123
94
151
143
79
100
292
Total Equity
10
10
15
17
40
45
54
59
85
73
73
74
68
Return on Invested Capital (%)
6.47
- -
2.84
4.45
4.3
5.09
4.28
3.85
-0.66
- -
-2.02
-2.11
-2.73
Return on Capital (%)
8.49
- -
2.18
4.58
3.94
5.18
4.51
4.17
5.87
- -
4.79
4.99
3.43
Return on Common Equity (%)
15.38
0.17
0.31
15.89
11.17
19.77
7.45
12.84
18.36
-9.77
3.35
3.91
0.63

Capital Structure

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

AUD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.53%
4.64%
-8.3%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
651.09%
-54.97%
-84.45%
Sales/Revenue/Turnover
0.01%
-11.32%
2.65%
Total Cash Common Dividend
- -
- -
123.92%

Semi-annual Revenue

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
22
2025
- -
- -
21
2026
- -
- -
21

Semi-annual Earnings Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.01
2025
- -
- -
0.01
2026
- -
- -
- -

Semi-annual Dividends Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
0.01

Company Description

Company Profile APIChatGPT
CEO
James Beeson
Full Time Employees
44
Sector
Finance
Industry
Finance/Rental/Leasing
Address
201 Miller Street North Sydney NSW Australia 2060
IPO Date
Feb 16, 2010
Website
earlypay.com.au
Similar Companies
SoFi Technologies, Inc. (NASDAQ:SOFI)
Visa Inc. (NYSE:V)
Bajaj Finance Limited (NSE:BAJFINANCE)
Mastercard Incorporated (NYSE:MA)
American Express Company (NYSE:AXP)
One 97 Communications Ltd. (NSE:PAYTM)
Business
Earlypay Limited (ASX:EPY) provides invoice finance, asset and equipment finance, trade finance, and payroll finance to small and medium-sized enterprises in Australia. The company offers invoice finance as a line of credit for early payment on unpaid invoices; asset and equipment finance for capital expenditure on machinery and vehicles; trade finance to support supply chain transactions; and payroll finance to bridge gaps between payroll obligations and client payments. Headquartered in North Sydney, New South Wales, Earlypay operates nationwide and was founded in 2010, listing on the ASX that year after evolving from prior entities including CML Group Limited. In February 2025, Earlypay acquired the $40 million loan portfolio and assets of Timelio, a peer-to-peer invoice financing platform, expanding its SME lending capabilities. Solvar Limited took a nearly 20% stake in Earlypay during the fiscal year, bolstering its funding position amid strong FY25 profitability and margin growth. The company continues selective equity buybacks, with a tranche update in August 2025, and maintains a dividend reinvestment plan featuring a 7.5% discount.