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EML Payments(OTC) EMCHF

Market Cap$77.58MMarket 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)-14%
5 Year-93%
1 Year-72%
1 Month-59%
$0.20
+0.00%
+0.00Today
EML Payments last closing stock price
MetricPriceDate
Last closeUSD 0.202026-08-04
EML Payments stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-6.26%USD 0.212026-07-10
1 month-59.44%USD 0.492026-05-20
3 month-59.44%USD 0.492026-02-24
Year to date-66.24%USD 0.592025-12-30
1 year-71.54%USD 0.702025-06-30
3 year-62.55%USD 0.532023-08-03
5 year-92.73%USD 2.742021-07-23
Since inception-13.65%USD 0.232010-11-03

EML Payments Financials at a Glance

Market Cap

$77.58MMarket 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$365.23M

Net Income (TTM)

-A$72.83M

EPS (TTM)

-$0.04

P/E Ratio

-5.68

Dividend

$0.00

Beta (Volatility)

-0.11 (Low)

Price

$0.20

Volume

200

Open

$0.20

Previous Close

$0.20

Daily Range

$0.20 - $0.20

52-Week Range

$0.20 - $0.64

Estimated Earnings Date

Mar 2, 2027

EMCHF News

No articles available.

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About EML Payments

EML Payments Limited is a financial technology company specializing in payment solutions across Australia, Europe, and North America. The company operates through three segments: General Purpose Reloadable (GPR), Gift & Incentive (G&I), and Digital Payments (DP), offering a range of prepaid payment solutions.

Products and Services
  • General Purpose Reloadable (GPR) prepaid cards
  • Gift and Incentive card solutions
  • Digital payment services for various sectors
Growth Outlook
  • Revenue of AUD 99.62 million reported in Q4 2026
  • Strong gross profit margin of 53.25% in the latest quarter
  • Expansion into new markets expected to drive future growth
Financial Highlights
  • Net income of AUD -15.64 million in Q4 2026
  • Current ratio of 22.59 indicates strong liquidity
  • Cash and cash equivalents of AUD 37.70 million as of June 2026
EML Payments Limited is positioned in the growing financial technology sector, focusing on innovative payment solutions. The company has shown resilience with a significant revenue figure in its latest quarterly report, despite facing challenges reflected in its net income. The strong gross profit margin indicates effective cost management and operational efficiency. With a robust current ratio, EML Payments demonstrates solid liquidity, which is crucial for navigating market fluctuations. The ongoing expansion into new markets presents opportunities for future revenue growth, making EML Payments a noteworthy consideration for potential investors interested in the fintech landscape.
AI Generated • Aug 25, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

455

CEO

Adam Rhys Olding

Website

www.emlpayments.com.au

Headquarters

Melbourne, VIC 3000, AU

EMCHF Financials

Key Financial Metrics (TTM)

Gross Margin

61.08%

Operating Margin

-2.14%

Net Income Margin

-9.23%

Return on Equity

-14.16%

Return on Capital

-4.59%

Return on Assets

-0.79%

Earnings Yield

-17.61%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$77.58MMarket 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

389.47M

Volume

200

Avg. Volume

2.07K

Financials (TTM)

Gross Profit

A$190.70M

Operating Income

-A$91.46M

EBITDA

A$7.92M

Operating Cash Flow

A$71.29M

Capital Expenditure

-A$1.39M

Free Cash Flow

A$69.90M

Cash & ST Invst.

A$37.70M

Total Debt

A$89.21M

EML Payments Performance Analysis

EML Payments annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-06-30AUD 130,695,052-22.5%
20242024-06-30AUD 151,062,63215.6%
20252025-06-30AUD 147,981,091-2.0%
20262026-06-30AUD 140,666,391-4.9%
EML Payments sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-3125.1%
Q42025-06-30-62.8%
Q22025-12-31164.7%
Q42026-06-30-17.0%
EML Payments annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-06-30AUD -0.515352.1%
20242024-06-30AUD -0.01-97.1%
20252025-06-30AUD -0.09536.7%
20262026-06-30AUD -0.03-63.2%
EML Payments sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-31131.1%
Q42025-06-30-753.1%
Q22025-12-3193.6%
Q42026-06-30-310.7%

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$94.01M

+2.2%

Gross Profit

A$53.05M

-23.9%

Gross Margin

56.43%

N/A

Market Cap

$77.58MMarket 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

$180.43K

N/A

Employees

430

N/A

Net Income

-A$15.64M

-494.1%

EBITDA

-A$12.39M

-152.5%

Quarterly Fundamentals

Name
Q4 2026YOY CHG

Total Cash

A$37.70M

-97.9%

Total Debt

A$89.21M

-1.6%

Accounts Receivable

A$21.97M

-35.8%

Inventory

A$0.00

N/A

Long Term Debt

A$85.30M

+2721.8%

Short Term Debt

A$3.91M

-95.5%

Return on Assets

-0.79%

N/A

Return on Invested Capital

-0.18%

N/A

Free Cash Flow

-A$423.40K

-100.1%

Operating Cash Flow

A$389.45K

-99.9%

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Questions About EMCHF

What is the current price of EML Payments?

EML Payments is trading at $0.20 per share.

What is the 52-week range for EML Payments?

Over the past 52 weeks, EML Payments has traded between $0.20 and $0.64.

How much debt does EML Payments have?

As of the most recent reporting period, EML Payments reported total debt of A$61.89M.

How much cash does EML Payments have on hand?

EML Payments reported A$26.16M in cash and cash equivalents in its most recent financial results.

What is EML Payments’s dividend yield?

EML Payments does not currently have a dividend yield.

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