EML PAYMENTS LIMITED (EML)
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EML

EML - EML PAYMENTS LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : Software & Services
Debt/EBITDA: 3.19
Index: ALL-ORDS | ALL-TECH

EML Payments is a global provider of payment solutions, including gift card programs, pre-paid debit cards and salary packaging products. Listing in 2006 as Adept Solutions, it adopted the current name in 2016.

LAST PRICE CHANGE +/- CHANGE % VOLUME

$0.985

16 Sep
2025

-0.025

OPEN

$1.01

-2.48%

HIGH

$1.02

911,697

LOW

$0.99

OTHER COMPANIES IN THE SAME SECTOR
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FNARENA'S MARKET CONSENSUS FORECASTS

- No Record -

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2025 FactSet UK Limited. All rights reserved
Title 202020212022202320242025
EPS Basic xxxxxxxxxxxxxxx-14.5
DPS All xxxxxxxxxxxxxxx0.0
Sales/Revenue xxxxxxxxxxxxxxx228.5 M
Book Value Per Share xxxxxxxxxxxxxxx38.3
Net Operating Cash Flow xxxxxxxxxxxxxxx104.1 M
Net Profit Margin xxxxxxxxxxxxxxx-23.17 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202020212022202320242025
Return on Capital Employed xxxxxxxxxxxxxxx-34.67 %
Return on Invested Capital xxxxxxxxxxxxxxx-31.21 %
Return on Assets xxxxxxxxxxxxxxx-2.05 %
Return on Equity xxxxxxxxxxxxxxx-34.67 %
Return on Total Capital xxxxxxxxxxxxxxx0.75 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx103.7 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 202020212022202320242025
Short-Term Debt xxxxxxxxxxxxxxx23 M
Long Term Debt xxxxxxxxxxxxxxx31 M
Total Debt xxxxxxxxxxxxxxx54 M
Goodwill - Gross xxxxxxxxxxxxxxx315 M
Cash & Equivalents - Generic xxxxxxxxxxxxxxx59 M
Price To Book Value xxxxxxxxxxxxxxx3.04

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202020212022202320242025
Capex xxxxxxxxxxxxxxx12.8 M
Capex % of Sales xxxxxxxxxxxxxxx5.59 %
Cost of Goods Sold xxxxxxxxxxxxxxx70 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx156 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx514 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

0.0

No. Of Recommendations

0
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY
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EXTRA COVERAGE
Display All Commentary

No. Of Recommendations

3

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Petra Capital

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Wilsons

04/09/2025

1

Overweight

$1.40

42.13%

Wilsons  maintains its Overweight rating and lowers the price target to $1.40 from $1.47.

The broker notes EML Payments' FY25 revenue rose 9% to $221m, with underlying EBITDA of $58.6m at the top of guidance and cash of $59m, while GDV of $24.5bn was slightly below forecast.

Guidance for FY26 EBITDA of $58–63m implies flat to modest growth, with pipeline building rapidly to $66m and expected to reach at least $90m by 1H26.

The analysts highlight confidence in FY28 goals of around $95m EBITDA, around 35% margin and a flat cost base, underpinned by the IT “Arlo” program and a strengthened sales team.

FORECAST
Wilsons forecasts a full year FY26 dividend of 0.00 cents and EPS of 1.50 cents.
Wilsons forecasts a full year FY27 dividend of 0.00 cents and EPS of 3.50 cents.

Canaccord Genuity

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Access Extra Coverage Research History >

EML STOCK CHART

FNArena News on EML

1
Australian Broker Call *Extra* Edition – Sep 08, 2025

Sep 08 2025 - Daily Market Reports
2
Australian Broker Call *Extra* Edition – Sep 04, 2025

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3
Australian Broker Call *Extra* Edition – Sep 02, 2025

Sep 02 2025 - Daily Market Reports
4
Rudi’s View: Early August Signals & Observations

Aug 20 2025 - Rudi's View
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Australian Broker Call *Extra* Edition – Aug 12, 2025

Aug 12 2025 - Daily Market Reports

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