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EML Payments(OTC) EMCHF

Market Cap$82.76MMarket 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)-8%
5 Year-92%
1 Year-70%
1 Month-57%
$0.21
+0.00%
+0.00Today
EML Payments last closing stock price
MetricPriceDate
Last closeUSD 0.212026-07-10
EML Payments stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-56.73%USD 0.492026-05-20
1 month-56.73%USD 0.492026-05-20
3 month-56.73%USD 0.492026-02-24
Year to date-63.99%USD 0.592025-12-30
1 year-69.64%USD 0.702025-06-30
3 year-51.91%USD 0.442023-07-03
5 year-91.98%USD 2.652021-07-06
Since inception-7.89%USD 0.232010-11-03

EML Payments Financials at a Glance

Market Cap

$82.76MMarket 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$363.24M

Net Income (TTM)

-A$53.22M

EPS (TTM)

-$0.11

P/E Ratio

-1.92

Dividend

$0.00

Beta (Volatility)

-0.10 (Low)

Price

$0.21

Volume

130,200

Open

$0.23

Previous Close

$0.21

Daily Range

$0.21 - $0.23

52-Week Range

$0.21 - $0.70

Estimated Earnings Date

Aug 18, 2026

EMCHF News

No articles available.

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About EML Payments

EML Payments Limited is a provider of innovative payment solutions and financial services, operating across multiple segments including Gift & Incentive, General Purpose Reloadable, and Digital Payments. Founded in 2001 and headquartered in Brisbane, Australia, the company focuses on delivering tailored payment options for various industries.

Products and Services
  • Gift & Incentive products for shopping malls and incentive programs
  • General Purpose Reloadable cards for government and corporate sectors
  • Digital Payments solutions for consumer transactions and fund disbursements
Growth Outlook
  • Revenue increased to AUD 113.3 million in the latest quarter
  • Gross profit margin improved to 63% in Q2 2025
  • Strong cash flow from operations of AUD 99.5 million in Q4 2025
Financial Highlights
  • Net income of AUD -4.0 million reported in Q2 2025
  • Current ratio stands at 15.88, indicating strong liquidity
  • Operating cash flow of AUD -33.2 million in the latest quarter
EML Payments Limited operates in a dynamic industry, providing essential payment solutions that cater to a diverse range of clients. The company's recent revenue growth and improved gross profit margins reflect its ability to adapt and thrive in a competitive market. Despite facing challenges with net income, the strong liquidity position and significant cash flow from operations indicate a solid foundation for future growth. Investors may find EML Payments Limited an intriguing opportunity within the specialty business services sector.
AI Generated • Jul 25, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

430

CEO

Ronald Hynes

Website

www.emlpayments.com.au

Headquarters

Brisbane, QLD 4000, AU

EMCHF Financials

Key Financial Metrics (TTM)

Gross Margin

44.22%

Operating Margin

-85.76%

Net Income Margin

-42.55%

Return on Equity

-45.17%

Return on Capital

-53.85%

Return on Assets

-2.25%

Earnings Yield

-52.08%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$82.76MMarket 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

130.20K

Avg. Volume

2.11K

Financials (TTM)

Gross Profit

A$207.37M

Operating Income

-A$91.92M

EBITDA

A$43.88M

Operating Cash Flow

A$474.46M

Capital Expenditure

-A$7.95M

Free Cash Flow

A$466.52M

Cash & ST Invst.

A$47.79M

Total Debt

A$86.96M

EML Payments Performance Analysis

EML Payments annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30AUD 168,641,994N/A
20232023-06-30AUD 130,695,052-22.5%
20242024-06-30AUD 151,062,63215.6%
20252025-06-30AUD 147,981,091-2.0%
EML Payments sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30-38.9%
Q22024-12-3125.1%
Q42025-06-30-62.8%
Q22025-12-31164.7%
EML Payments annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30AUD -0.01N/A
20232023-06-30AUD -0.515352.1%
20242024-06-30AUD -0.01-97.1%
20252025-06-30AUD -0.09536.7%
EML Payments sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30132.1%
Q22024-12-31131.1%
Q42025-06-30-753.1%
Q22025-12-3193.6%

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$113.28M

-24.8%

Gross Profit

A$71.42M

-26.2%

Gross Margin

63.05%

N/A

Market Cap

$82.76MMarket 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

$192.47K

N/A

Employees

430

N/A

Net Income

-A$4.01M

+67.6%

EBITDA

A$8.78M

-63.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

A$47.79M

-38.2%

Total Debt

A$86.96M

-10.1%

Accounts Receivable

A$86.60M

+31.3%

Inventory

A$0.00

N/A

Long Term Debt

A$78.50M

+243.7%

Short Term Debt

A$8.46M

-88.5%

Return on Assets

-2.25%

N/A

Return on Invested Capital

-4.55%

N/A

Free Cash Flow

-A$33.39M

-504.2%

Operating Cash Flow

-A$33.18M

-339.9%

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Questions About EMCHF

What is the current price of EML Payments?

EML Payments is trading at $0.21 per share.

What is the 52-week range for EML Payments?

Over the past 52 weeks, EML Payments has traded between $0.21 and $0.70.

How much debt does EML Payments have?

As of the most recent reporting period, EML Payments reported total debt of A$35.44M.

How much cash does EML Payments have on hand?

EML Payments reported A$38.87M 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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