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About the company
EML Payments Limited is an Australia-based company, which provides a global payment solutions platform. The Company offers program management and payments to create customizable solutions for businesses, brands and their customers. Its segment includes North America, Europe, and Asia Pac. The North America segment provides provision of prepaid payment services, predominantly with single-load card solutions, to its customers in North America. The Europe segment provides provision of reloadable and non-reloadable prepaid payment solutions to customers in Europe and the United Kingdom. The Asia Pac segment provides the provision of prepaid payment services to customers in Australia and New Zealand. It offers a range of products and payment options, including banking, credit, and disbursements services, earned wage access, gifts, incentives and rewards and FX solutions. Its products include Card Payments, Open Banking, Digital Account Payments and Seamless.
- Revenue in AUD (TTM)221.79m
- Net income in AUD-52.95m
- Incorporated2003
- Employees458.00
- LocationEML Payments LtdL 12 333 Ann StBRISBANE 4000AustraliaAUS
- Phone+61 73607-0100
- Fax+61 73607-0111
- Websitehttps://www.emlpayments.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gakujo Co Ltd | 101.99m | 17.51m | 268.89m | 392.00 | 13.29 | 1.68 | 13.28 | 2.64 | 140.47 | 140.47 | 813.90 | 1,108.68 | 0.6511 | 177.10 | 4.93 | 28,110,150.00 | 11.18 | 11.68 | 12.68 | 13.11 | 65.19 | 66.34 | 17.17 | 19.88 | 4.39 | -- | 0.00 | 41.91 | 2.69 | 14.01 | -15.15 | 15.33 | 31.07 | 17.43 |
| Mega Fortris Bhd | 59.67m | 2.70m | 270.50m | 507.00 | 100.34 | -- | 46.47 | 4.53 | 0.0088 | 0.0083 | 0.1952 | -- | 0.5308 | 2.57 | 1.93 | 325,369.40 | 2.85 | -- | 3.70 | -- | 43.84 | -- | 5.37 | -- | 3.10 | 5.05 | 0.2951 | -- | 5.37 | -- | -27.87 | -- | -- | -- |
| Will Group Inc | 1.32bn | 18.68m | 273.26m | 7.93k | 14.50 | 1.49 | 7.34 | 0.2065 | 88.05 | 88.05 | 6,220.37 | 857.38 | 2.70 | -- | 7.80 | 18,032,410.00 | 3.66 | 5.54 | 7.16 | 12.01 | 21.85 | 21.51 | 1.36 | 2.09 | -- | 19.76 | 0.20 | 33.95 | 1.07 | 2.76 | -58.42 | -13.46 | -8.31 | 13.85 |
| Intelligent Monitoring Group Ltd | 175.43m | -21.87m | 277.98m | 40.00 | -- | 7.52 | 419.27 | 1.58 | -0.0649 | -0.0649 | 0.5243 | 0.0897 | 1.02 | 17.42 | 7.87 | -- | -12.71 | -14.48 | -18.51 | -35.84 | 29.61 | 34.46 | -12.42 | -15.01 | 1.05 | 0.6508 | 0.7483 | -- | 43.73 | 44.72 | -1,271.03 | -- | 30.62 | -- |
| Intloop Inc | 326.01m | 13.90m | 282.55m | 1.37k | 21.29 | 4.68 | 15.94 | 0.8667 | 153.11 | 153.11 | 3,658.34 | 697.00 | 2.59 | 338.62 | 7.87 | 25,634,240.00 | 12.33 | 11.56 | 21.60 | 20.98 | 28.02 | 24.84 | 4.76 | 4.08 | 1.72 | 75.32 | 0.2645 | 0.00 | 23.91 | 36.20 | 51.63 | 106.59 | 57.92 | -- |
| Zhejiang Zone-King Envmtl Sci&Tech CoLtd | 26.14m | -18.81m | 284.61m | 198.00 | -- | 9.48 | -- | 10.89 | -0.6848 | -0.6848 | 0.9515 | 1.09 | 0.2337 | 13.32 | 0.2987 | 645,300.40 | -16.84 | -7.11 | -45.54 | -13.61 | 8.28 | 21.71 | -72.05 | -14.76 | 1.30 | -6.60 | 0.4902 | -- | -30.08 | -3.58 | 32.00 | -- | -30.07 | -- |
| EML Payments Ltd | 221.79m | -52.95m | 285.49m | 458.00 | -- | 1.92 | -- | 1.29 | -0.139 | -0.1402 | 0.5772 | 0.3833 | 0.0859 | -- | 4.16 | -- | -2.05 | -2.68 | -28.62 | -17.97 | 76.08 | 72.61 | -23.87 | -33.07 | -- | 30.97 | 0.2697 | -- | 9.74 | 12.89 | -1,092.32 | -- | -11.53 | -- |
| Signature Alliance Group Bhd | -36.17bn | -36.17bn | 287.57m | -- | -- | 3.22 | -- | -- | -- | -- | -- | 0.2469 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 2.12 | -- | 0.168 | -- | 122.64 | -- | 289.11 | -- | -- | -- |
| Thejo Engineering Ltd | 94.29m | 7.59m | 289.23m | 1.54k | 38.10 | -- | 28.71 | 3.07 | 44.83 | 44.83 | 556.83 | -- | -- | -- | -- | 3,930,446.00 | -- | 13.19 | -- | 19.96 | 79.23 | 59.39 | 8.08 | 9.34 | -- | 13.43 | -- | 7.44 | -1.19 | 12.71 | -10.33 | 14.70 | 53.17 | 24.57 |
| Kelly Partners Group Holdings Ltd | 134.61m | 3.41m | 291.12m | -- | 84.64 | 10.24 | 9.42 | 2.16 | 0.076 | 0.076 | 3.00 | 0.6278 | 0.7514 | -- | 5.64 | -- | 9.18 | 10.96 | 16.50 | 18.72 | 50.95 | 50.31 | 12.21 | 14.80 | -- | 4.30 | 0.6052 | 38.57 | 24.47 | 24.23 | 20.69 | -2.11 | 3.02 | -- |
| AJIS Co Ltd | 336.12m | 23.67m | 293.71m | 894.00 | 9.72 | 0.963 | 9.40 | 0.8738 | 303.11 | 303.11 | 4,304.58 | 3,059.11 | 1.22 | 839.99 | 8.15 | 40,619,300.00 | 8.60 | 8.89 | 10.20 | 10.78 | 25.19 | 28.77 | 7.05 | 8.02 | 4.09 | -- | 0.0066 | 30.94 | 13.22 | 3.64 | 10.17 | -6.91 | 25.36 | 5.70 |
| WDB Holdings Co Ltd | 466.69m | 28.27m | 297.26m | 5.45k | 10.25 | 0.9526 | 8.84 | 0.637 | 156.14 | 156.14 | 2,577.33 | 1,680.73 | 1.23 | 1,273.81 | 7.84 | 9,248,097.00 | 8.01 | 10.79 | 9.93 | 13.73 | 22.72 | 24.93 | 6.52 | 7.88 | 3.80 | -- | 0.00 | 30.39 | 3.73 | 3.47 | -14.01 | -0.4079 | 57.45 | 17.84 |
| Idea Consultants Inc | 227.85m | 22.04m | 297.77m | 1.10k | 12.86 | 0.9972 | 10.27 | 1.31 | 333.53 | 333.53 | 3,448.11 | 4,301.93 | 0.6539 | 365.81 | 1.82 | -- | 6.32 | 6.62 | 7.28 | 7.79 | 33.16 | 33.57 | 9.67 | 9.52 | 3.95 | -- | 0.0104 | 23.28 | 1.26 | 4.23 | 0.2128 | 12.09 | 2.15 | 31.51 |
| Huxen Corp | 122.72m | 19.96m | 304.15m | 506.00 | 15.25 | 2.11 | 4.34 | 2.48 | 3.07 | 3.07 | 18.87 | 22.22 | 0.3709 | 8.68 | 28.57 | -- | 6.27 | 7.02 | 9.43 | 10.49 | 35.77 | 31.73 | 16.90 | 16.34 | 1.88 | -- | 0.3985 | 91.32 | -4.63 | -8.59 | -3.45 | -5.01 | -5.23 | -4.62 |
Data as of Feb 16 2026. Currency figures normalised to EML Payments Ltd's reporting currency: Australian Dollar AUD
55.86%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Wilson Asset Management (International) Pty Ltd.as of 27 Aug 2025 | 39.89m | 10.28% |
| MAM Pty Ltd.as of 17 Jan 2025 | 37.01m | 9.54% |
| Copia Investment Partners Ltd.as of 29 Jan 2026 | 30.58m | 7.88% |
| QVG Capital Pty Ltd.as of 31 Jul 2025 | 27.90m | 7.19% |
| Regal Funds Management Pty Ltd.as of 04 Nov 2025 | 25.96m | 6.69% |
| Argo Investments Ltd. (Investment Management)as of 31 Jul 2025 | 18.59m | 4.79% |
| First Sentier Investors (Australia) IM Ltd.as of 07 Aug 2024 | 16.81m | 4.33% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 12.07m | 3.11% |
| Dimensional Fund Advisors LPas of 05 Feb 2026 | 4.07m | 1.05% |
| Sandhurst Trustees Ltd.as of 31 Jul 2025 | 3.92m | 1.01% |
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Data from 30 Jun 2024 - 30 Jan 2026Source: FactSet Research Systems Inc.
