EML Payments is a financial technology company that operates across North America, Europe, and Australia. The firm builds the infrastructure for a customer to facilitate/accept payments via a prepaid card or in real-time. It makes money primarily via clipping a fee on payment transactions. It also earns fees from breakage, inactive accounts, cash establishments and interest on debit volumes. EML's payment solutions cater to a variety of applications including payouts, gifts, incentives, rewards, supplier payments, and more. The firm operates in three segments: gift and incentive, general purpose reloadable, and digital payments.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	19.5
Equity-to-Asset	0.06
Debt-to-Equity	0.57
Debt-to-EBITDA	2.79
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.29	Distress Grey Safe
Beneish M-Score	-2.64	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-4.9
	3-Year EBITDA Growth Rate	55.8
	3-Year EPS without NRI Growth Rate	32.1
	3-Year FCF Growth Rate	-49.3
	3-Year Book Growth Rate	-28.2
	Future 3-5Y Total Revenue Growth Rate Estimate	9.48

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	64.57
	9-Day RSI	58.22
	14-Day RSI	53.8
	6-1 Month Momentum %	-44.84
	12-1 Month Momentum %	-51.49

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.8
	Quick Ratio	0.8
	Cash Ratio	0.77
	Days Sales Outstanding	85.3
	Days Payable	422.55

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.2
	Shareholder Yield %	0.92

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	69.3
	Operating Margin %	-33.24
	Net Margin %	-15.81
	FCF Margin %	2.88
	ROE %	-15.92
	ROA %	-0.92
	ROIC %	6.92
	3-Year ROIIC %	46.38
	ROC (Joel Greenblatt) %	80.77
	ROCE %	3.31
	Years of Profitability over Past 10-Year	5

GF Value Rank

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	10.26
	PS Ratio	1.47
	PB Ratio	1.54
	Price-to-Free-Cash-Flow	50.38
	Price-to-Operating-Cash-Flow	17.24
	EV-to-EBIT	-187.23
	EV-to-EBITDA	-43.97
	EV-to-Revenue	-8.53
	EV-to-Forward-Revenue	1.38
	EV-to-FCF	-295.01
	Price-to-Projected-FCF	1.77
	Price-to-Median-PS-Value	0.18
	Earnings Yield (Greenblatt) %	-0.53
	FCF Yield %	1.95
	Forward Rate of Return (Yacktman) %	12.93

Financials (Next Earnings Date:2025-02-28 Est.)

Annual Quarterly TTM

FRA:A8Y1's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

EML Payments Ltd Executives

Details

GF Value: €0.51

FRA:A8Y1

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 6 Severe warning signs with A8Y1. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	103.009
	EPS (TTM) (€)	-0.043
	Beta	0.42
	Volatility %	52.46
	14-Day RSI	53.8
	14-Day ATR (€)	0.009255
	20-Day SMA (€)	0.3782
	12-1 Month Momentum %	-51.49
	52-Week Range (€)	0.332 - 0.745
	Shares Outstanding (Mil)	378.32

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

EML Payments Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

EML Payments Ltd Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

EML Payments Ltd Frequently Asked Questions

What is EML Payments Ltd(FRA:A8Y1)'s stock price today?

The current price of FRA:A8Y1 is €0.39. The 52 week high of FRA:A8Y1 is €0.75 and 52 week low is €0.33.

When is next earnings date of EML Payments Ltd(FRA:A8Y1)?

The next earnings date of EML Payments Ltd(FRA:A8Y1) is 2025-02-28 Est..

Does EML Payments Ltd(FRA:A8Y1) pay dividends? If so, how much?

EML Payments Ltd(FRA:A8Y1) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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