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EarlyPay Ltd(ASX) EPY

Market CapA$29.41MMarket 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)+28%
5 Year-71%
1 Year-40%
1 Month-4%
A$0.12
+4.35%
+0.01Today
EarlyPay Ltd last closing stock price
MetricPriceDate
Last closeAUD 0.122026-08-14
EarlyPay Ltd stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%AUD 0.122026-08-07
1 month-4%AUD 0.132026-07-10
3 month-14.29%AUD 0.142026-05-15
Year to date-36.84%AUD 0.192025-12-31
1 year-39.59%AUD 0.202025-08-14
3 year-30.2%AUD 0.172023-08-15
5 year-71.19%AUD 0.422021-08-13
Since inception+27.55%AUD 0.092010-02-23

EarlyPay Ltd Financials at a Glance

Market Cap

A$29.41MMarket 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$103.90M

Net Income (TTM)

A$3.26M

EPS (TTM)

A$0.01

P/E Ratio

21.05

Dividend

A$0.01

Beta (Volatility)

-0.12 (Low)

Price

A$0.12

Volume

86,295

Open

A$0.12

Previous Close

A$0.12

Daily Range

A$0.12 - A$0.12

52-Week Range

A$0.11 - A$0.22

Estimated Earnings Date

Sep 1, 2026

EPY News

No articles available.

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About EarlyPay Ltd

Earlypay Limited, established in 2001 and headquartered in North Sydney, Australia, provides a comprehensive suite of financial solutions to businesses across the country. The company operates through three key 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 26.2 million in the latest quarter
  • Operating income margin improved to 31% in Q2 2025
  • Strong demand for SME financing solutions supports future growth
Financial Highlights
  • Trailing twelve months (TTM) revenue of AUD 26.4 million
  • Net income of AUD 1.99 million reported in the latest quarter
  • Dividend yield of 6.32% reflects commitment to shareholder returns
Earlypay Limited has positioned itself as a key player in the financial services sector, particularly in providing tailored solutions for SMEs. The company's diverse offerings, including invoice and equipment financing, cater to a growing market segment that requires flexible financial support. Recent financial performance indicates a positive trajectory, with significant revenue growth and improved operating margins. The strong demand for financing solutions among SMEs is expected to drive further growth, making Earlypay a noteworthy consideration for potential investors. The company's commitment to returning value to shareholders is evident through its attractive dividend yield, reinforcing its stability and growth potential in the financial services industry.
AI Generated • Jul 22, 2026

Industry

Diversified Financial Services

CEO

James Beeson, EMBA

Headquarters

North Sydney, NSW 2060, AU

EPY Financials

Key Financial Metrics (TTM)

Gross Margin

64.20%

Operating Margin

38.47%

Net Income Margin

3.06%

Return on Equity

2.15%

Return on Capital

6.74%

Return on Assets

0.48%

Earnings Yield

4.75%

Dividend Yield

5.42%

Payout Ratio

1.39%

Stock Overview

Market Cap

A$29.41MMarket 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

245.09M

Volume

86.30K

Avg. Volume

85.15K

Financials (TTM)

Gross Profit

A$71.30M

Operating Income

A$46.59M

EBITDA

A$44.28M

Operating Cash Flow

A$19.53M

Capital Expenditure

-A$6.00K

Free Cash Flow

A$19.53M

Cash & ST Invst.

A$35.90M

Total Debt

A$245.94M

EarlyPay Ltd Performance Analysis

EarlyPay Ltd annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30AUD 52,990,000N/A
20232023-06-30AUD 60,002,00013.2%
20242024-06-30AUD 54,339,000-9.4%
20252025-06-30AUD 50,715,000-6.7%
EarlyPay Ltd sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30-2.3%
Q22024-12-31-1.1%
Q42025-06-30-7.7%
Q22025-12-317.1%
EarlyPay Ltd annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30AUD 0.05N/A
20232023-06-30AUD -0.03N/A
20242024-06-30AUD 0.01N/A
20252025-06-30AUD 0.0136.8%
EarlyPay Ltd sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30-76.5%
Q22024-12-31181.2%
Q42025-06-3031.1%
Q22025-12-31-100.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

A$26.19M

-4.5%

Gross Profit

A$15.01M

-19.3%

Gross Margin

57.33%

N/A

Market Cap

A$29.41MMarket 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$668.41K

N/A

Employees

44

N/A

Net Income

-A$69.00K

-103.5%

EBITDA

A$9.66M

-26.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

A$35.90M

-36.2%

Total Debt

A$245.94M

-32.5%

Accounts Receivable

A$150.84M

-20.3%

Inventory

A$0.00

N/A

Long Term Debt

A$1.04M

-99.5%

Short Term Debt

A$244.90M

+69.7%

Return on Assets

0.48%

N/A

Return on Invested Capital

27.47%

N/A

Free Cash Flow

A$2.75M

+176.2%

Operating Cash Flow

A$2.77M

+64.0%

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Questions About EPY

What is the current price of EarlyPay Ltd?

EarlyPay Ltd is trading at A$0.12 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$236.32M.

How much cash does EarlyPay Ltd have on hand?

EarlyPay Ltd reported A$37.56M 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 5.42%.

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