EarlyPay Ltd logo

EarlyPay Ltd(ASX) EPY

Market CapA$31.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2010)+40%
5 Year-67%
1 Year-40%
1 Month-11%
A$0.13
-3.85%
-0.00Today
EarlyPay Ltd last closing stock price
MetricPriceDate
Last closeAUD 0.132026-10-19
EarlyPay Ltd stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%AUD 0.132026-10-12
1 month-10.71%AUD 0.142026-09-18
3 month+1.3%AUD 0.122026-07-21
Year to date-33.35%AUD 0.192025-12-31
1 year-39.7%AUD 0.212025-10-17
3 year-39.73%AUD 0.212023-10-20
5 year-67%AUD 0.382021-10-20
Since inception+39.98%AUD 0.092010-02-23

EarlyPay Ltd Financials at a Glance

Market Cap

A$31.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

A$103.73M

Net Income (TTM)

A$3.31M

EPS (TTM)

A$0.00

P/E Ratio

76.47

Dividend

A$0.00

Beta (Volatility)

-0.07 (Low)

Price

A$0.13

Volume

971

Open

A$0.13

Previous Close

A$0.13

Daily Range

A$0.13 - A$0.13

52-Week Range

A$0.11 - A$0.22

Estimated Earnings Date

Feb 24, 2027

EPY News

No articles available.

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About EarlyPay Ltd

Earlypay Limited is a financial services company based in North Sydney, Australia, specializing in providing a range of financial solutions to businesses. Established in 2001, the company operates through three main divisions: Invoice Finance, Equipment Finance, and Other Services, catering primarily to small and medium-sized enterprises (SMEs).

Products and Services
  • Invoice Finance services including factoring and discounting
  • Equipment Finance for new and pre-owned machinery
  • Employment-related services and trade finance products
Growth Outlook
  • Revenue increased to AUD 26.6 million in the latest quarter
  • Gross profit margin improved to 60.1% in Q4 2026
  • Strong demand for SME financing solutions supports future growth
Financial Highlights
  • Net income of AUD 515,000 reported for Q4 2026
  • Current ratio stands at an impressive 47.65, indicating strong liquidity
  • Trailing twelve months (TTM) revenue of AUD 106.5 million reflects consistent performance
Earlypay Limited has demonstrated resilience and adaptability in the financial services sector, particularly in its focus on SMEs. The company's diverse product offerings, including invoice and equipment financing, position it well to capitalize on the growing demand for financial solutions tailored to smaller businesses. Recent financial performance indicates a positive trajectory, with significant revenue growth and improved profit margins. The strong liquidity position further enhances the company's ability to navigate market challenges and invest in future opportunities. Overall, Earlypay Limited presents a compelling case for potential investors interested in the financial services industry.
AI Generated • Sep 22, 2026

Industry

Diversified Financial Services

CEO

James Beeson, EMBA

Headquarters

North Sydney, NSW 2060, AU

EPY Financials

Key Financial Metrics (TTM)

Gross Margin

58.73%

Operating Margin

33.01%

Net Income Margin

0.84%

Return on Equity

0.65%

Return on Capital

4.83%

Return on Assets

0.12%

Earnings Yield

1.31%

Dividend Yield

1.38%

Payout Ratio

3.97%

Stock Overview

Market Cap

A$31.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

245.55M

Volume

971

Avg. Volume

80.87K

Financials (TTM)

Gross Profit

A$67.58M

Operating Income

A$43.30M

EBITDA

A$44.60M

Operating Cash Flow

A$16.68M

Capital Expenditure

-A$76.00K

Free Cash Flow

A$16.60M

Cash & ST Invst.

A$34.94M

Total Debt

A$293.00M

EarlyPay Ltd Performance Analysis

EarlyPay Ltd annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-06-30AUD 60,002,00013.2%
20242024-06-30AUD 54,339,000-9.4%
20252025-06-30AUD 50,715,000-6.7%
20262026-06-30AUD 52,800,0004.1%
EarlyPay Ltd sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-31-1.1%
Q42025-06-30-7.7%
Q22025-12-317.1%
Q42026-06-301.6%
EarlyPay Ltd annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-06-30AUD -0.03N/A
20242024-06-30AUD 0.01N/A
20252025-06-30AUD 0.0136.8%
20262026-06-30AUD 0.00-83.7%
EarlyPay Ltd sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-31181.2%
Q42025-06-3031.1%
Q22025-12-31-100.0%
Q42026-06-30N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2026YOY CHG

Revenue

A$26.62M

-0.7%

Gross Profit

A$16.00M

-18.9%

Gross Margin

60.11%

N/A

Market Cap

A$31.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

A$725.48K

N/A

Employees

44

N/A

Net Income

A$515.00K

+12.9%

EBITDA

A$10.54M

-15.7%

Quarterly Fundamentals

Name
Q4 2026YOY CHG

Total Cash

A$34.94M

-12.9%

Total Debt

A$293.00M

+23.8%

Accounts Receivable

A$174.23M

+1.3%

Inventory

A$0.00

N/A

Long Term Debt

A$292.32M

+269.8%

Short Term Debt

A$674.00K

-99.6%

Return on Assets

0.12%

N/A

Return on Invested Capital

4.84%

N/A

Free Cash Flow

A$4.75M

-38.1%

Operating Cash Flow

A$4.79M

-37.3%

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Questions About EPY

What is the current price of EarlyPay Ltd?

EarlyPay Ltd is trading at A$0.13 per share.

What is the 52-week range for EarlyPay Ltd?

Over the past 52 weeks, EarlyPay Ltd has traded between A$0.11 and A$0.22.

How much debt does EarlyPay Ltd have?

As of the most recent reporting period, EarlyPay Ltd reported total debt of A$293.00M.

How much cash does EarlyPay Ltd have on hand?

EarlyPay Ltd reported A$34.94M in cash and cash equivalents in its most recent financial results.

What is EarlyPay Ltd’s dividend yield?

EarlyPay Ltd currently has a dividend yield of 1.38%.

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