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    Financial - Credit Services
Earlypay Limited

Earlypay Limited

EPY.AX
Earlypay LimitedAU flagAustralian Securities Exchange
0.13
AUD
- -
- -
32.04MMarket Cap
Earlypay Limited
EPY.AX
(Australian Securities Exchange)

Recent

price

0.13

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
0.59
0.31
1.22
1.54
1.86
1.68
0.28
0.3
0.28
0.24
0.22
0.19
0.09
0.09
0.08
0.08
Revenue per Share
-0.04
0.02
0.01
0.01
0.01
- -
- -
0.02
0.02
0.04
0.02
0.03
0.05
-0.03
0.01
0.01
Basic EPS, GAAP
0.06
- -
- -
-0.02
-0.05
-0.11
-0.39
-0.08
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
0.01
0.01
0.01
0.01
0.01
0.01
- -
0.01
0.01
0.02
0.01
0.03
0.02
0.02
- -
- -
Dividend per Share
0.06
0.06
0.07
0.06
0.13
0.1
0.15
0.12
0.23
0.22
0.23
0.26
0.3
0.25
0.25
0.27
Book Value per Share
-0.02
-0.04
-0.11
-0.1
- -
-0.05
-0.16
0.03
0.14
0.15
0.13
0.12
0.2
0.15
0.14
0.16
Tangible Book Value per Share
29
54
58
65
74
96
97
132
172
201
211
227
281
289
286
272
Basic Weighted Avg Shares
17
17
71
100
139
162
27
40
48
47
47
43
26
26
22
21
Sales/Revenue/Turnover
-12.17
0.68
1.17
0.88
1.32
0.27
19.37
29.08
33.61
40.08
33.57
41.05
-10.83
-95.02
-44.16
-42.54
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
2
1
1
1
2
2
2
3
3
Depreciation Expense
-1
1
1
1
1
- -
- -
3
3
8
4
7
13
-8
2
3
Net Income, GAAP
- -
30.25
29.99
35.25
33.85
- -
33.84
33.84
36.85
29.78
19.03
29.86
13.52
- -
30.56
26.54
Effective Tax Rate (%)
-7.53
4.97
1.21
0.77
0.8
0.01
0.14
6.35
6.61
17.7
7.84
17.02
50.94
-30.12
11.2
13.72
Profit Margin (%)
- -
2
- -
-10
-7
33
74
73
-30
-11
27
-77
109
109
54
56
Working Capital
3
1
2
- -
- -
67
149
146
88
45
123
94
151
143
79
100
LT Debt
2
3
4
4
10
10
15
17
40
45
54
59
85
73
73
74
Total Equity
- -
1.59
8.98
5.44
6.47
- -
2.84
4.45
4.3
5.09
5.06
3.85
-0.66
- -
-2.02
-2.11
Return on Invested Capital (%)
- -
19.27
17
10.34
8.6
- -
2.19
4.6
3.95
5.18
4.57
4.21
5.88
- -
4.8
5
Return on Capital (%)
-71.55
34.06
24.26
18.55
15.86
0.18
0.32
16.82
11.44
19.98
7.94
13.63
18.56
-9.86
3.37
3.92
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
27.48%
8.2%
1.98%
Free Cash Flow
42.8%
70.35%
-69.98%
Net Income, GAAP
671.89%
-18.65%
17.11%
Sales/Revenue/Turnover
-8.59%
-13.71%
-4.44%
Total Cash Common Dividend
- -
- -
-84.71%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
26
2024
- -
- -
- -
- -
22
2025
- -
- -
- -
- -
21

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
-0.03
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
0.01

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.02
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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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.