EML Payments (EML.AX) Stock Price
EML Payments Price
EML Payments (EML.AX) Stock | ISIN AU000000EML7 | WKN A1J8P1. The current EML Payments stock price is 0.34 AUD (2026). Revenue is 225.58 M AUD. Net income is 24.66 M AUD. The P/E ratio is 5.16. Market capitalization is 127.14 M AUD. EML Payments operates in the Information technology sector.
Over the last 19 years EML Payments grew revenue by 51.8% annually, reaching 221.79 M AUD. Earnings per share have grown at 17% per year over the last 4 years. For EML Payments, the net margin of -24.1% is down versus -14.9% a few years ago.
EML Payments stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of EML Payments over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how EML Payments stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing EML Payments's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | EML Payments Price |
|---|
EML Payments Revenue, EBIT, Net Income
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EML Payments Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (M AUD) |
|---|
| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M AUD) |
| NET INCOME (M AUD) |
| NET INCOME GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e | 2031e |
|---|---|---|---|---|---|---|---|
| 202 | 221 | 225 | 240 | 258 | 219 | 227 | 233 |
| 10.38 | 9.41 | 1.81 | 6.67 | 7.5 | -15.12 | 3.65 | 2.64 |
| 76.24 | 76.02 | 74.67 | 70 | 65.12 | 76.71 | 74.01 | 72.1 |
| 154 | 168 | 168 | 168 | 168 | 168 | 168 | 168 |
| -26 | -53 | 24 | 29 | 35 | 21 | 22 | 22 |
| -90.85 | 103.85 | -145.28 | 20.83 | 20.69 | -40 | 4.76 | – |
| 374.64 | 379.51 | 379.51 | 379.51 | 379.51 | 379.51 | 379.51 | 379.51 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales EML Payments generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue EML Payments retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare EML Payments's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares EML Payments has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against EML Payments's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
EML Payments stock margins
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EML Payments Stock Revenue, EBIT, Earnings per Share
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EML Payments business model & stock analysis
EML Payments SWOT Analysis
Strengths
EML Payments Ltd possesses several key strengths that contribute to its competitive advantage in the market. These strengths include:
- Strong financial performance and stability, ensuring the company's ability to invest in growth and innovation.
- Extensive industry experience and expertise, allowing EML Payments Ltd to deliver tailored solutions to its clients.
- Diverse and expanding product portfolio, offering a wide range of payment and financial services.
- Strong relationships with various partners and stakeholders, facilitating collaborations and market reach.
- Advanced technology infrastructure, enabling secure and efficient payment processing.
EML Payments Ltd also faces certain weaknesses that need to be addressed in order to enhance its market position. These weaknesses include:
- Relatively small market share compared to larger competitors, limiting its scale and bargaining power.
- Dependency on a few key clients for a significant portion of its revenue, posing a potential business risk.
- Limited brand recognition and awareness, which may impede customer acquisition efforts.
- Geographical concentration in specific regions, reducing the company's global presence and potential market opportunities.
- Regulatory compliance complexities, requiring ongoing efforts and resources to ensure adherence to changing regulations.
Despite the challenges, there are several opportunities that EML Payments Ltd can leverage to drive growth and success:
- Expanding market for digital payments, driven by increasing e-commerce and mobile payment adoption.
- Emerging market segments, such as gig economy workers and small businesses, seeking flexible and innovative payment solutions.
- Potential partnerships and collaborations with industry leaders to enhance market reach and product offerings.
- Geographical expansion into new regions, capitalizing on untapped markets and diversifying revenue sources.
- Advancements in technology, such as blockchain and artificial intelligence, creating possibilities for innovation and efficiency gains.
EML Payments Ltd needs to proactively address potential threats that may impact its business operations and market position:
- Intense competition from established players and emerging fintech startups, eroding market share and pricing pressures.
- Rapidly changing regulatory environment and compliance requirements, necessitating continuous adaptation and investments.
- Cybersecurity risks and data breaches, which can undermine customer trust and lead to financial and reputational damage.
- Economic downturns and uncertainties, impacting consumer spending habits and demand for payment services.
- Disruption from technology advancements and changing customer preferences, requiring agility and quick adaptation.
Weaknesses
EML Payments Ltd also faces certain weaknesses that need to be addressed in order to enhance its market position. These weaknesses include:
- Relatively small market share compared to larger competitors, limiting its scale and bargaining power.
- Dependency on a few key clients for a significant portion of its revenue, posing a potential business risk.
- Limited brand recognition and awareness, which may impede customer acquisition efforts.
- Geographical concentration in specific regions, reducing the company's global presence and potential market opportunities.
- Regulatory compliance complexities, requiring ongoing efforts and resources to ensure adherence to changing regulations.
Despite the challenges, there are several opportunities that EML Payments Ltd can leverage to drive growth and success:
- Expanding market for digital payments, driven by increasing e-commerce and mobile payment adoption.
- Emerging market segments, such as gig economy workers and small businesses, seeking flexible and innovative payment solutions.
- Potential partnerships and collaborations with industry leaders to enhance market reach and product offerings.
- Geographical expansion into new regions, capitalizing on untapped markets and diversifying revenue sources.
- Advancements in technology, such as blockchain and artificial intelligence, creating possibilities for innovation and efficiency gains.
EML Payments Ltd needs to proactively address potential threats that may impact its business operations and market position:
- Intense competition from established players and emerging fintech startups, eroding market share and pricing pressures.
- Rapidly changing regulatory environment and compliance requirements, necessitating continuous adaptation and investments.
- Cybersecurity risks and data breaches, which can undermine customer trust and lead to financial and reputational damage.
- Economic downturns and uncertainties, impacting consumer spending habits and demand for payment services.
- Disruption from technology advancements and changing customer preferences, requiring agility and quick adaptation.
Opportunities
Despite the challenges, there are several opportunities that EML Payments Ltd can leverage to drive growth and success:
- Expanding market for digital payments, driven by increasing e-commerce and mobile payment adoption.
- Emerging market segments, such as gig economy workers and small businesses, seeking flexible and innovative payment solutions.
- Potential partnerships and collaborations with industry leaders to enhance market reach and product offerings.
- Geographical expansion into new regions, capitalizing on untapped markets and diversifying revenue sources.
- Advancements in technology, such as blockchain and artificial intelligence, creating possibilities for innovation and efficiency gains.
EML Payments Ltd needs to proactively address potential threats that may impact its business operations and market position:
- Intense competition from established players and emerging fintech startups, eroding market share and pricing pressures.
- Rapidly changing regulatory environment and compliance requirements, necessitating continuous adaptation and investments.
- Cybersecurity risks and data breaches, which can undermine customer trust and lead to financial and reputational damage.
- Economic downturns and uncertainties, impacting consumer spending habits and demand for payment services.
- Disruption from technology advancements and changing customer preferences, requiring agility and quick adaptation.
Threats
EML Payments Ltd needs to proactively address potential threats that may impact its business operations and market position:
- Intense competition from established players and emerging fintech startups, eroding market share and pricing pressures.
- Rapidly changing regulatory environment and compliance requirements, necessitating continuous adaptation and investments.
- Cybersecurity risks and data breaches, which can undermine customer trust and lead to financial and reputational damage.
- Economic downturns and uncertainties, impacting consumer spending habits and demand for payment services.
- Disruption from technology advancements and changing customer preferences, requiring agility and quick adaptation.
EML Payments Eulerpool Fair Value
EML Payments historical P/E ratio, EBIT multiple, and P/S ratio
EML Payments annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
EML Payments shares outstanding
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EML Payments Earnings Estimates
EML Payments Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 2/20/2024 | 0.02AUD | 143.52 MAUD | 2024 Q2 |
| 8/22/2023 | 0.01AUD | 127.59 MAUD | 2023 Q4 |
| 2/14/2023 | 0.02AUD | 129.77 MAUD | 2023 Q2 |
| 8/22/2022 | 0.02AUD | 118.96 MAUD | 2022 Q4 |
| 2/16/2022 | 0.04AUD | 120.04 MAUD | 2022 Q2 |
| 8/17/2021 | 0.04AUD | 93.79 MAUD | 2021 Q4 |
| 2/17/2021 | 0.04AUD | 89.93 MAUD | 2021 Q2 |
| 8/19/2020 | 0.02AUD | 62.68 MAUD | 2020 Q4 |
| 2/19/2020 | 0.04AUD | 59.07 MAUD | 2020 Q2 |
| 8/21/2019 | 0.04AUD | 45.78 MAUD | 2019 Q4 |
EESG©
Eulerpool ESG Scorecard© for the EML Payments stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
EML Payments shareholder structure
| % | Name |
|---|---|
8.88693% | |
7.76098% | |
7.35235% | |
4.89852% | |
4.43006% | |
2.4618% | |
1.44605% | |
1.28778% | |
1.17547% | |
1.03227% |
EML Payments Executives and Management Board
Mr. James Georgeson
Group Chief Financial Officer
Mr. Peter Lang
Chief Corporate Development Officer · since 2023
Ms. Rachelle St Ledger
Chief Executive Officer - Australia
Mr. Manoj Kheerbat
Independent Non-Executive Director
Mr. Anthony Hynes
Executive Chairman of the Board · since 2024
EML Payments Supply Chain
Frequently asked questions about EML Payments
The business model of EML Payments Ltd revolves around providing innovative payment solutions and prepaid programs to various industries. EML Payments offers a wide range of services including mobile banking, gift cards, salary packaging, and incentive programs for businesses and consumers. The company aims to simplify the payment process and enhance the overall financial experience. With its advanced technology and expertise, EML Payments caters to the evolving needs of its clients, allowing them to manage their financial transactions efficiently. As a leading payment solutions provider, EML Payments Ltd continues to drive growth and deliver exceptional value to its stakeholders.
EML Payments stock
EML Payments Peer Group
EML Payments Ticker
EML Payments FIGI
All fundamentals and in-depth analysis of EML Payments
Our stock analysis for EML Payments Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of EML Payments Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.