EARLYPAY LIMITED (EPY)
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EPY - EARLYPAY LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : Commercial & Professional Services
Debt/EBITDA: 23.16
Index:

LAST PRICE CHANGE +/- CHANGE % VOLUME

$0.23

21 Feb
2024

-0.010

OPEN

$0.24

-4.17%

HIGH

$0.24

85,779

LOW

$0.23

TARGET
$0.28 21.7% upside
Franking for last dividend paid out: 100%
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FNARENA'S MARKET CONSENSUS FORECASTS
EPY: 1
Title FY22
Actual
FY23
Actual
FY24
Forecast
FY25
Forecast
EPS (cps) xxx - 2.7 2.8 xxx
DPS (cps) xxx 0.0 0.7 xxx
EPS Growth xxx N/A N/A xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 8.6 xxx
Dividend Yield xxx N/A 2.9% xxx
Div Pay Ratio(%) xxx N/A 25.0% xxx

Dividend yield today if purchased 3 years ago: 0.00%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

0.00

Estimated Dividend Growth
(Average Of Past Three Years)

 %

Amount Invested

Tell Me The Dividend After This Many Years

Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages

Last ex-div: 15/09 - ex-div 1.8c (franking 100%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2024 FactSet UK Limited. All rights reserved
Title 201820192020202120222023
EPS Basic xxxxxxxxxxxxxxx-2.7
DPS All xxxxxxxxxxxxxxx0.0
Sales/Revenue xxxxxxxxxxxxxxx60.5 M
Book Value Per Share xxxxxxxxxxxxxxx25.3
Net Operating Cash Flow xxxxxxxxxxxxxxx9.2 M
Net Profit Margin xxxxxxxxxxxxxxx-12.79 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 201820192020202120222023
Return on Capital Employed xxxxxxxxxxxxxxx-9.77 %
Return on Invested Capital xxxxxxxxxxxxxxx-3.43 %
Return on Assets xxxxxxxxxxxxxxx-1.82 %
Return on Equity xxxxxxxxxxxxxxx-9.77 %
Return on Total Capital xxxxxxxxxxxxxxx2.84 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx4.0 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 201820192020202120222023
Short-Term Debt xxxxxxxxxxxxxxx138 M
Long Term Debt xxxxxxxxxxxxxxx143 M
Total Debt xxxxxxxxxxxxxxx280 M
Goodwill - Gross xxxxxxxxxxxxxxx28 M
Cash & Equivalents - Generic xxxxxxxxxxxxxxx53 M
Price To Book Value xxxxxxxxxxxxxxx0.75

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 201820192020202120222023
Capex xxxxxxxxxxxxxxx0.9 M
Capex % of Sales xxxxxxxxxxxxxxx1.51 %
Cost of Goods Sold xxxxxxxxxxxxxxx19 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx31 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx-

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

1.0

No. Of Recommendations

1
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Morgans

30/08/2023

1

Add

$0.28

21.74%

While EarlyPay reported a FY23 loss of -$7.7m, once the large impaired exposure for RevRoof (a client) and an intangible write-off are excluded, the underlying profit was $5.2m.

The analysts believe EarlyPay's core offering and balance sheet remain sound, and with improved risk management, the company can return to solid profitability.

Capital management plans will be considered once refinancing has been achieved (around the end of September), and the broker suggests a repayment of corporate debt and a buyback are on the cards.

The Add rating and 28c target are unchanged.

FORECAST
Morgans forecasts a full year FY24 dividend of 0.70 cents and EPS of 2.80 cents.
Morgans forecasts a full year FY25 dividend of 1.60 cents and EPS of 3.20 cents.

EPY STOCK CHART