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Home CompaniesEML Payments Ltd

EML Payments Ltd

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
0.31 AUD 0.00(0%)
Last update at 2026-11-10T05:10:00Z
VOLUME
3430055
Market Cap
103.68M

Momentum Score

…

EML Payments Limited provides payment solutions platform in Australia, Europe, New Zealand, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Melbourne, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.30
Low
0.32
High
52 Week Price Range
0.19
Low
0.94
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

EML Payments Ltd operates a global payments-as-a-service platform that issues and processes prepaid, gift and virtual cards while providing embedded payments and card-program solutions to banks, fintechs, retailers and governments. Long-term growth may be supported by secular shifts to cashless transactions, adoption of embedded finance and international expansion, and investors may find the scalable, technology-driven B2B revenue model appealing.
Key risks include regulatory and compliance complexity across jurisdictions, intense competition and client concentration that could pressure margins, and operational or technology failures that may disrupt service.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.31
Dividend Yield
-
Revenue TTM
207.37M
Revenue Per Share
0.54
Gross Profit TTM
114.73M
Debt / Equity
0.69
ROE
-14.23%
Net Debt
51.59M
ROCE
-0.41%
Diluted EPS TTM
-0.05

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax -17.99M -41.91M 2.43M -281.76M -0.34M
Net income -19.67M -53.39M -26.48M -284.82M -4.80M
Selling general administrative 88.86M 91.99M 87.54M 83.51M 69.23M
Selling and marketing expenses - - 48.68M - -
Gross profit 124.64M 102.82M 116.10M 132.59M 150.02M
Reconciled depreciation 13.14M 15.23M 24.86M 35.07M 29.94M
Ebit -10.12M -35.82M 7.63M -272.96M 1.91M
Ebitda 3.02M -20.59M 32.49M -237.89M 31.86M
Depreciation and amortization 13.14M 15.23M 24.86M 35.07M 29.94M
Operating income -10.07M -107.97M -55.68M -1.06M 15.37M
Other operating expenses 217.66M 265.91M 223.21M -334.18M -50.13M
Interest expense 7.88M 6.09M 5.20M 3.58M 2.25M
Tax provision 1.68M 11.04M 12.04M 3.07M 4.46M
Interest income 56.71M 63.86M 49.81M 1.36M 3.33M
Net interest income 49.38M 57.77M 44.62M 28.92M 0.94M
Extraordinary items - -0.44M -16.87M - -
Income tax expense 1.68M 11.04M 12.04M 3.07M 4.46M
Total revenue 207.59M 157.94M 167.53M 221.69M 224.59M
Total operating expenses 134.71M 210.79M 171.78M 205.86M 153.35M
Cost of revenue 82.94M 55.12M 51.43M 89.10M 74.57M
Total other income expense net -7.93M 66.06M 58.11M -237.41M 2.04M
Net income from continuing ops -19.67M -52.95M -9.61M -284.82M -4.80M
Net income applicable to common shares - -53.39M -26.48M -284.82M -4.80M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 2488.01M 2682.37M 2483.89M 2994.53M 2682.44M
Intangible assets 107.73M 29.44M 63.99M 92.06M 135.58M
Other current assets 23.70M 28.66M -138.27M 31.15M 24.38M
Total liab 2357.91M 2535.93M 2324.87M 2819.98M 2245.33M
Total stockholder equity 130.09M 146.44M 159.02M 174.55M 437.12M
Other current liab 2206.09M 2437.07M 2173.81M 2623.86M 2044.48M
Common stock 511.21M 498.31M 494.21M 494.21M 494.21M
Capital stock 511.21M 498.31M 494.21M 494.21M 494.21M
Retained earnings -439.15M -419.48M -366.09M -339.61M -60.56M
Other liab - - - 36.57M 57.56M
Good will 78.31M 84.11M 99.47M 100.41M 312.88M
Other assets - - 2483.89M 16.93M 354.71M
Cash 37.75M 59.32M 43.06M 71.36M 73.70M
Total current liabilities 3.92M 2494.66M 2297.11M 2709.87M 2100.08M
Current deferred revenue - 1.34M 4.42M 5.43M 6.19M
Net debt 51.59M -5.24M 47.58M 27.13M 17.71M
Short term debt 3.92M 23.29M 87.61M 24.95M 3.72M
Short long term debt 2.27M 21.96M 85.82M 22.97M 3.72M
Short long term debt total 89.34M 54.08M 90.64M 98.49M 91.41M
Other stockholder equity - - - -154.60M -433.65M
Property plant equipment - - - 10.57M 12.72M
Total current assets 88.48M 1991.93M 1832.54M 2413.22M 1855.12M
Long term investments 511.05M 513.83M 426.86M 317.82M 307.27M
Net tangible assets - - - -17.91M -11.34M
Short term investments 1726.10M 1865.79M 1724.10M 2260.03M 1709.71M
Net receivables 50.72M 38.17M 95.21M 38.86M 35.84M
Long term debt 82.34M 28.40M - 68.79M 87.69M
Inventory - - - 11.82M 11.50M
Accounts payable 22.72M 32.97M 31.26M 55.62M 45.69M
Accumulated other comprehensive income 58.04M 67.61M 30.91M 19.95M 3.47M
Non currrent assets other 1757.69M 35.72M 39.07M 43.82M 35.96M
Non current assets total 2399.53M 690.43M 651.35M 581.31M 827.32M
Capital lease obligations 4.73M 3.71M 4.82M 6.73M 7.99M
Long term debt total - - - 73.54M 87.69M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments -7.00M 39.24M -34.18M -0.88M -71.14M
Change to liabilities - - - 12.95M -11.89M
Total cashflows from investing activities -24.12M 39.24M -34.18M -0.88M -71.14M
Net borrowings 35.75M -38.19M -6.10M -2.17M 46.25M
Total cash from financing activities 32.16M -43.29M -7.97M -2.17M 46.25M
Change to operating activities - - - 3.06M -19.68M
Net income -19.67M -53.39M -26.48M -284.82M -4.80M
Change in cash -21.56M 16.26M -28.30M -2.34M -67.53M
Begin period cash flow 59.32M 43.06M 71.36M 73.70M 141.23M
End period cash flow 37.75M 59.32M 43.06M 71.36M 73.70M
Total cash from operating activities -32.80M 16.75M 14.07M -2.64M -41.54M
Depreciation 13.14M - 24.86M 16.63M 16.40M
Other cashflows from investing activities -10.79M 39.61M -21.24M 10.87M -57.09M
Change to account receivables 11.41M 10.89M -6.38M -16.39M -35.31M
Other cashflows from financing activities -2.51M -5.11M -1.88M -2.17M 94.42M
Change to netincome - - - 244.46M 1.77M
Capital expenditures 1.02M 5.96M 1.36M 11.74M 14.06M
Change in working capital -50.72M 75.33M -18.04M -16.39M -35.31M
Stock based compensation - - 9.86M 1.78M 2.99M
Other non cash items 24.45M -58.58M 33.73M 265.56M -53.14M
Free cash flow -33.82M 10.79M 4.84M -14.39M -55.60M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
EML
EML Payments Ltd		 -
-%		 0.31 - 7.67 0.50 0.75 1.07 68.13
XYZ
Block, Inc		 2.93
2.34%		 128.09 111.51 15.77 2.89 2.22 1.63 11.60
MP1
Megaport Ltd		 1.11
6.40%		 18.45 - 138.89 13.81 4.10 12.09 155.41
CCL
Cuscal Ltd		 0.02
0.34%		 5.96 26.77 20.28 1.97 2.73 5.15 10.93
AXQ
Aura Consolidated Group, Inc.		 0.10
2.79%		 3.68 - - 3.78 - 5.49 -

Profile*

EML Payments Ltd

EML Payments Limited provides payment solutions platform in Australia, Europe, New Zealand, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Melbourne, Australia.

440 Collins Street, Melbourne, VIC, Australia, 3000

61 7 3557 1100

https://emlpayments.com

458

Name Title Year Born
Ms. Emma V Shand CEO, MD & Director NA
Mr. Robert Shore Group Chief Financial Officer NA
Mr. David Curneen Group Chief Operating Officer NA
Mr. Jason Nadler Group Chief Technology Officer NA
Mr. Paul Wenk Group Gen. Counsel NA
Marie O'Riordan Global Director of PR NA
Mr. Eric Mettemeyer Group Chief Corp. Devel. Officer NA
Ms. Kristen Shaw Group Chief People & Culture Officer NA
Mr. Richard Anderson Group Chief Revenue Officer NA
Mr. Andrew Betts Group Chief Risk & Regulatory Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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Top Stocks by Market Cap*

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Equity Sectors*

  • Basic Materials

    -2.54%

  • Communication Services

    +0.09%

  • Consumer Cyclical

    -0.16%

  • Consumer Defensive

    -0.14%

  • Energy

    -1.11%

  • Financial Services

    +0.15%

  • Healthcare

    -0.77%

  • Industrials

    -0.93%

  • Real Estate

    -0.17%

  • Technology

    -0.09%

  • Utilities

    -0.67%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

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