EML Payments logo

EML Payments(OTC) EMCHF

Market Cap$77.94MMarket 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

$77.94MMarket 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 innovative payment solutions across Australia, Europe, and North America. The company operates through three main 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 94 million reported in the latest quarter
  • Strong gross profit margin of 56% indicates operational efficiency
  • Expansion into new markets expected to drive future growth
Financial Highlights
  • Net income of AUD -15.6 million in the latest quarter
  • Current ratio of 22.59 suggests strong liquidity position
  • Operating income of AUD 13.2 million reflects positive operational performance
EML Payments Limited is positioned in the specialty business services sector, focusing on delivering cutting-edge payment solutions. The company has demonstrated resilience with a significant revenue figure in its latest quarterly report, showcasing its ability to generate substantial income despite challenges. The gross profit margin of 56% highlights effective cost management and operational efficiency, which are crucial for sustaining profitability. The current ratio of 22.59 indicates a robust liquidity position, allowing the company to meet its short-term obligations comfortably. However, the net income remains negative, reflecting ongoing challenges that may need addressing for long-term profitability. The operating income of AUD 13.2 million suggests that the core business operations are generating positive cash flow, which is a positive sign for potential investors. Overall, EML Payments Limited presents a compelling opportunity for investors interested in the financial technology sector, particularly those looking for companies with innovative solutions and a strong market presence. The company's focus on growth and expansion, combined with its operational efficiency, positions it well for future success.
AI Generated • Sep 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

$77.94MMarket 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

391.26M

Volume

200

Avg. Volume

2.01K

Financials (TTM)

Gross Profit

A$190.70M

Operating Income

-A$91.46M

EBITDA

A$15.46M

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

$77.94MMarket 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

$181.25K

N/A

Employees

430

N/A

Net Income

-A$15.64M

-494.1%

EBITDA

-A$4.85M

-120.6%

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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