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About the company
EML Payments Limited is an Australia-based company, which provides a payment solutions platform. The Company offers program management and payments to create customizable solutions for businesses, brands and their customers. The Company operates through three segments: Gifting, General Purpose Reloadable (GPR) and Digital Payments (DP). The Gifting segment products provide single load gift cards for shopping malls and incentive programs across the world. The GPR segment products provide reloadable cards to a variety of industries including, government, salary packaging, gaming and digital banking. This segment provides a full-service offering including issuance, processing and program management. The DP segment products provide payment options for consumers. Industries include Open Banking, Buy-Now Pay-Later providers and Bill payment providers. Its products include Card Payments, Open Banking, Digital Account Payments and Seamless.
- Revenue in AUD (TTM)288.70m
- Net income in AUD-167.31m
- Incorporated2003
- Employees659.00
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Plenti Group Ltd | 176.49m | -15.54m | 113.51m | -- | -- | 2.04 | -- | 0.6432 | -0.0917 | -0.0917 | 0.9986 | 0.3184 | 0.0921 | -- | 1,534.68 | -- | -0.8111 | -1.66 | -0.8136 | -1.68 | 88.07 | 90.17 | -8.80 | -18.14 | -- | -- | 0.9739 | -- | 62.09 | 54.78 | -115.06 | -- | 49.09 | -- |
| FSA Group Ltd | 89.17m | 8.20m | 114.06m | 106.00 | 13.98 | 1.31 | 10.66 | 1.28 | 0.0673 | 0.0673 | 0.7321 | 0.7166 | 0.124 | -- | -- | 841,244.10 | 1.30 | 3.16 | 1.33 | 3.26 | 55.57 | 79.30 | 10.45 | 22.04 | -- | -- | 0.8726 | 47.48 | 19.19 | 0.562 | -24.53 | 0.6105 | 5.66 | 0.00 |
| Solvar Ltd | 215.42m | 35.10m | 207.89m | 351.00 | 5.96 | 0.5553 | 5.57 | 0.965 | 0.166 | 0.166 | 1.02 | 1.78 | 0.2166 | -- | 0.8784 | -- | 3.53 | 6.22 | 4.03 | 6.74 | 97.48 | 98.48 | 16.29 | 24.27 | -- | 1.99 | 0.6246 | 62.96 | 11.42 | 23.25 | -7.75 | 17.59 | -1.18 | 11.67 |
| CVC Ltd | 57.09m | 12.87m | 221.97m | 10.00 | 17.42 | 1.26 | 16.37 | 3.89 | 0.1091 | 0.1091 | 0.4864 | 1.50 | 0.1885 | 1.56 | 1.58 | -- | 4.11 | 3.59 | 5.06 | 4.28 | 26.11 | 43.95 | 21.82 | 19.31 | 1.38 | -- | 0.4499 | 138.46 | 16.29 | 10.25 | 119.75 | -9.99 | -27.04 | -9.71 |
| Humm Group Ltd | 565.40m | -15.20m | 240.32m | 730.00 | -- | 0.405 | 38.76 | 0.425 | -0.0354 | -0.0354 | 1.33 | 1.16 | 0.1196 | -- | 77.45 | -- | -0.2242 | -0.1421 | -0.2268 | -0.1449 | 54.32 | 72.66 | -1.87 | -1.03 | -- | -- | 0.8872 | -- | 15.89 | 1.28 | 99.02 | -- | -9.10 | -23.16 |
| COG Financial Services Ltd | 441.17m | 8.88m | 260.14m | 2.00k | 28.78 | 1.63 | 7.12 | 0.5897 | 0.0464 | 0.0464 | 2.32 | 0.8176 | 0.8246 | 924.11 | 21.70 | 220,583.50 | 3.74 | 1.52 | 8.43 | 2.74 | 38.31 | 38.73 | 4.54 | 2.31 | 0.7421 | 4.35 | 0.5481 | -- | 14.04 | 17.28 | -59.08 | 16.01 | -27.99 | -- |
| OFX Group Ltd | 228.86m | 31.41m | 357.41m | -- | 11.67 | 2.45 | 8.01 | 1.56 | 0.1243 | 0.1243 | 0.9056 | 0.5916 | 0.4292 | -- | 32.80 | -- | 5.89 | 5.74 | 6.00 | 5.92 | 93.55 | 91.30 | 13.72 | 13.40 | -- | 7.67 | 0.3545 | 26.55 | 44.47 | 13.67 | 25.58 | 10.95 | 32.50 | -- |
| EML Payments Ltd | 288.70m | -167.31m | 374.92m | 659.00 | -- | 2.26 | -- | 1.30 | -0.4474 | -0.4474 | 0.7713 | 0.4421 | 0.0908 | -- | 4.69 | 438,080.40 | -5.26 | -3.54 | -49.67 | -15.88 | 72.49 | 69.22 | -57.95 | -35.34 | -- | -- | 0.3687 | -- | 9.38 | 29.05 | -5,832.60 | -- | 17.42 | -- |
| Resimac Group Ltd | 991.45m | 47.78m | 394.00m | 250.00 | 8.28 | 0.9471 | 7.97 | 0.3974 | 0.119 | 0.119 | 2.47 | 1.04 | 0.0638 | -- | 49.25 | -- | 0.3082 | 0.5659 | 0.4743 | 0.7127 | 16.95 | 31.47 | 4.83 | 13.48 | -- | 5.24 | 0.9714 | 29.80 | 81.37 | 18.58 | -34.95 | 21.28 | -39.50 | 34.76 |
| Australian Finance Group Ltd | 797.93m | 29.88m | 414.28m | 277.00 | 14.05 | 2.24 | 10.63 | 0.5192 | 0.1089 | 0.1089 | 2.91 | 0.682 | 0.131 | -- | 480.10 | -- | 0.5219 | 0.8971 | 0.6487 | 2.33 | 12.28 | 13.72 | 3.98 | 5.63 | -- | -- | 0.9543 | 78.81 | -9.07 | 6.94 | -3.78 | 2.28 | 108.61 | 1.11 |
| Pepper Money Ltd | 1.52bn | 110.70m | 662.31m | 1.85k | 6.18 | 0.7993 | 5.07 | 0.4347 | 0.2427 | 0.2427 | 3.34 | 1.88 | 0.0759 | -- | 96.74 | -- | 0.5418 | 0.5319 | 0.5437 | 0.5777 | 28.08 | 39.38 | 7.13 | 10.94 | -- | 7.05 | 0.9571 | 22.80 | 43.25 | 7.12 | -21.49 | 40.10 | -33.35 | -- |
| Fleetpartners Group Ltd | 676.77m | 81.02m | 889.81m | 1.20k | 12.20 | 1.42 | 3.35 | 1.31 | 0.2992 | 0.2992 | 2.50 | 2.57 | 0.3167 | 24.72 | 9.01 | -- | 3.79 | 2.55 | 4.85 | 3.25 | 41.42 | 38.73 | 11.97 | 8.18 | -- | 3.18 | 0.6853 | 0.00 | 0.0161 | -0.4018 | -21.58 | 16.86 | -50.78 | -- |
Data as of Apr 19 2024. Currency figures normalised to EML Payments Ltd's reporting currency: Australian Dollar AUD
34.77%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Alta Fox Capital Management LLCas of 31 Jul 2023 | 30.43m | 8.12% |
| First Sentier Investors (Australia) IM Ltd.as of 20 Feb 2024 | 21.29m | 5.68% |
| Colonial First State Investments Ltd.as of 01 Dec 2023 | 18.69m | 4.99% |
| Australian Ethical Investments Ltd. (Investment Management)as of 27 Oct 2022 | 18.67m | 4.98% |
| Argo Investments Ltd. (Investment Management)as of 31 Jul 2023 | 18.59m | 4.96% |
| The Vanguard Group, Inc.as of 05 Apr 2024 | 10.53m | 2.81% |
| Dimensional Fund Advisors LPas of 04 Apr 2024 | 4.57m | 1.22% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 2.94m | 0.78% |
| DFA Australia Ltd.as of 29 Feb 2024 | 2.63m | 0.70% |
| Aguja Capital GmbHas of 30 Jun 2023 | 2.00m | 0.53% |
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Data from 30 Jun 2023 - 10 Apr 2024Source: FactSet Research Systems Inc.
