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EML Payments Limited

EML Payments Limited

EML.AX
EML Payments LimitedAU flagAustralian Securities Exchange
0.35
AUD
+0.02
- -
136.03MMarket Cap
EML Payments Limited
EML.AX
(Australian Securities Exchange)

Recent

price

0.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
- -
- -
- -
- -
0.03
0.08
0.11
0.23
0.27
0.37
0.39
0.52
0.61
0.59
0.45
0.42
Revenue per Share
-0.02
-0.15
-0.16
-0.05
-0.04
0.02
- -
- -
0.01
0.03
-0.02
-0.08
-0.01
-0.76
-0.07
-0.14
Basic EPS, GAAP
- -
- -
-0.02
- -
-0.01
- -
- -
-0.01
-0.02
-0.02
-0.04
-0.04
-0.04
-0.03
-0.02
-0.02
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.18
0.11
0.21
0.12
0.1
0.26
0.55
0.44
0.44
0.46
1.41
1.11
1.17
0.41
0.34
0.21
Book Value per Share
0.19
0.11
0.04
0.02
0.04
0.09
0.24
0.24
0.26
0.16
0.12
0.18
-0.03
-0.05
-0.01
0.09
Tangible Book Value per Share
22
35
63
99
123
159
196
248
249
252
304
360
371
374
375
380
Basic Weighted Avg Shares
- -
- -
- -
- -
4
14
22
56
68
94
117
187
225
222
168
158
Sales/Revenue/Turnover
- -
- -
- -
- -
-161.82
-47.37
-9.98
-7.1
4.65
11.46
1.74
-0.43
-1.48
-33.05
-33.24
-68.36
Operating Margin (%)
- -
- -
2
1
1
3
4
10
9
10
19
30
30
35
25
15
Depreciation Expense
- -
-5
-10
-5
-5
3
- -
- -
2
8
-6
-29
-5
-285
-26
-53
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
55.72
6.38
- -
- -
- -
- -
494.86
- -
Effective Tax Rate (%)
- -
- -
- -
- -
-127.74
21.16
0.39
0.02
3.23
8.95
-4.99
-15.33
-2.14
-128.48
-15.81
-33.8
Profit Margin (%)
2
3
3
1
4
7
32
38
41
15
-325
-189
-245
-297
1,260
-503
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
43
42
88
74
3
31
LT Debt
4
4
15
14
17
53
119
121
130
144
441
415
437
175
159
146
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
1.12
6.99
- -
- -
- -
- -
83.58
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
2.25
8.42
- -
- -
- -
- -
-19.92
- -
Return on Capital (%)
-10.8
-134.04
-117.55
-43.34
-45.81
10.76
0.12
0.01
2.01
7.44
-2.14
-6.91
-1.15
-96.84
-18.74
-51.6
Return on Common Equity (%)

Capital Structure

FRC

•

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

Working Capital

FRC

•

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

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
27.49%
-15.49%
-7.91%
Free Cash Flow
45.28%
-9.43%
-35.43%
Net Income, GAAP
3,051.05%
1,230.08%
101.57%
Sales/Revenue/Turnover
34.93%
9.62%
-5.73%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
222
2024
- -
- -
- -
- -
168
2025
- -
- -
- -
- -
158

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
-0.76
2024
- -
- -
- -
- -
-0.07
2025
- -
- -
- -
- -
-0.14

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
EML Payments Limited EML Payments Limited (ASX:EML) provides payment solutions platforms, including prepaid cards, digital wallets and open banking integrations, across Australia, Europe and North America. The company operates in three main segments: General Purpose Reloadable, offering reloadable cards and related issuance, processing and program management services to industries such as government, salary packaging, gaming and digital banking; Gift and Incentives, providing single-load gift cards for shopping malls and incentive programs; and Digital Payments, facilitating real-time transactions, payouts, rewards, supplier payments and contactless solutions via robust APIs. EML Payments generates revenue primarily from transaction fees, breakage on inactive accounts, cash establishment fees and interest on debit volumes; it serves diverse customers including banks, retail brands, government entities and financial services firms from its headquarters in Brisbane, Australia, where it was founded in 2001. Recent strategic changes include the divestiture of non-core assets such as Sentenial (including its Nuapay open banking platform) to GoCardless in 2024, completion of UK regulatory remediation efforts, leadership refresh with new CEO Ron Hynes and executive appointments to drive the EML 2.0 growth strategy, addition of 28 new clients in FY25, augmentation of credit facilities by $55 million with extended terms, a global Visa PISMO partnership for backend banking enhancements under Project Arlo, and joining the National Automotive Leasing and Salary Packaging Association as its first payments member.