EML Payments Ltd. (Formerly Emerchants Ltd.)

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

Risk Analysis of EML Payments Ltd. ( EML | AUS)

"The Risk Score is a relevant measure for the assessment of a stock attractiveness. EML Payments Ltd. shows a Risk Score of 6.00.
0 corresponds to a very high risk and 10 corresponds to a very low risk."
The Risk Score for EML Payments Ltd. is significantly higher than its peer group's. This means that EML Payments Ltd. is significantly less risky than its peer group.

Valuation
EV/EBITDA LastEV/EBITDA(e) 2025EV/EBITDA NTM
EML Payments Ltd.Free trialFree trialFree trial
International PeersFree trialFree trialFree trial
Consumer Finance5.187.336.77
S&P/ASX 2009.427.927.90
Australia-0.845.265.36
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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-Date15.6%1.1%14.4%
1-Week3.2%3.5%-0.3%
1-Month1.6%4.0%-2.4%
1-Year-2.5%8.6%-11.1%
3-Year-37.3%12.5%-49.8%
5-Year-63.6%58.7%-122.3%
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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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International Peers - EML Payments Ltd.
Company NameCtryMarket
Cap.
last (mUSD)
EML Payments Ltd.AUS234
International Peers Median1.42
Bread Financial Holding...USA2 441
Visa Inc.USA674 368
Cielo S.A.BRAN/A
Zip Co LimitedAUS1 378
Tyro Payments Ltd,AUS263
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 '25May '24Sep '24May '25-50%-25%0%25%
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About Stock Risk Analysis

To analyze and assess the risk of a company, several indicators are important to look at including liquidity / volatility / debt level and capital structure. In GPRV, the aggregated Risk Score is the average of the risk indicators' scores.

Beta
The Beta is a quantitative measure of the volatility of a stock relatively to the volatility of the market. The Beta currently displayed is the 1 year Beta.

Volatility
Infront Analytics uses a method of estimating volatilities based on 3 months (62 business days) historical market value fluctuations.

Volume (3-Month daily average)
Volume indicator is the average of the daily volume over the last three months in $ millions.

Market Cap
Last close Market Capitalization in $ millions.

Net Debt/Market Cap
This is the Solvency measure, it guarantees that the company has a sound capital structure.
Calculation:
Last published net debt / Last market cap.