EML Payments Ltd. (Formerly Emerchants Ltd.)

Australia Country flag Australia
Sector: Consumer Finance
Ticker: EML
ISIN: AU000000EML7
Factsheet Factsheet

Market multiple valuation of EML Payments Ltd. ( EML | AUS)

The most common multiple used in the valuation of stocks is the P/Earnings NTM multiple (Price to Earnings). P/E relates the current share price with the market expectations in terms of Earnings Per Share. This multiple is used to compare a company's market value with its earnings. A company with a high P/Earnings NTM is considered to be overvalued; a company with a low P/Earnings NTM is considered to be undervalued.
The P/Earnings NTM ratio of EML Payments Ltd. is significantly higher than the median of its peer group: around 9.00. The company valuation of EML Payments Ltd. according to these metrics is way above the market valuation of its peer group.
The P/Earnings NTM ratio of EML Payments Ltd. is significantly higher than the average of its sector (Consumer Finance): 9.25. The company valuation of EML Payments Ltd. according to these metrics is way above the market valuation of its sector.
The P/Earnings NTM ratio of EML Payments Ltd. is significantly lower than its historical 5-year average: 22.6. The (current) company valuation of EML Payments Ltd. is therefore way below its valuation average over the last five years.

Valuation
P/E Last P/E (e) 2025P/E NTM
EML Payments Ltd.Free trialFree trialFree trial
International PeersFree trialFree trialFree trial
Consumer Finance8.299.259.25
S&P/ASX 20019.5116.3916.20
Australia-1.5912.2712.40
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Beta (Ref: S&P/ASX 200)
Levered betaUnlevered beta
1-YearN/A-0.07
2-Year0.720.04
3-Year0.820.04
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Stock Perf excl. Dividends (in AUD)
EMLS&P/ASX 200Rel. Perf.
Year-to-Date16.8%1.0%15.8%
1-Week1.0%-0.1%1.2%
1-Month20.4%11.8%8.6%
1-Year-4.0%6.5%-10.5%
3-Year-31.3%16.0%-47.3%
5-Year-71.4%54.2%-125.6%
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International Peers - EML Payments Ltd.
Company NameCtryMarket
Cap.
last (mUSD)
EML Payments Ltd.AUS237
International Peers Median1.42
Bread Financial Holding...USA2 518
Visa Inc.USA683 952
Cielo S.A.BRAN/A
Zip Co LimitedAUS1 567
Tyro Payments Ltd,AUS312
GPRV Analysis
Created with Highcharts 4.1.70/102/104/106/108/1010/10
EML Payments Ltd.
Intl. Peers
U.S Patents No. 7,882,001 & 8,082,201
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Net Sales Chart
Created with Highcharts 4.1.7Millions AUD201920202021202220232024 (e)2025 (e)2026 (e)2027 (e)0100200300
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Quotes Chart

1-Year Rebased Stock Chart

  • EML Payments Ltd.
  • S&P/ASX 200
Created with Highcharts 4.1.7Jan '25Sep '24May '25-50%-25%0%25%
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Did you know ?

On the Infront Analytics platform, there are two ways to identify the listed peers which most closely resemble a private firm:
- with Peer Tracker if you already know a listed peer.
Peer Tracker is a patented technology tool for building peer groups using industry classifications. The degree of similarity between two companies is calculated comparing their sector footprints and measured using comparability scores.
- with Market Screener if you have no listed peer in mind.
Market Screener is a dedicated interface for screening companies using multiple criteria, identifying peers, searching for comparable companies in a specific business sector.

About Market Multiples

Many methods can be used to value a company. In reality, business valuation is often a combination of these different approaches. One of the most widely used quantitative methods is the market multiples method. The market valuation is utilized generally as a primary market input, to provide an objective starting point for the valuation. Put simply, this method multiplies the sales or profits of a business by an industry averaged multiplier to calculate the Market Value of the business.
Current multiples include:
- Historical multiples based on standardized financials for the last completed fiscal period: Last, Last Twelve Months (LTM);
- Forward multiples based on consensus estimates for the current fiscal period and next ones: Next Twelve Months (NTM), FY0, FY1.
Current multiples based on per-share metrics (such as earnings per share or book value per share) are calculated using the last closing price, while current multiples based on company-level metrics (such as net sales, EBIT or EBITDA) are calculated using the current market cap or EV (Enterprise Value).