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- EarlyPay
EarlyPay Valuation Multiples
EarlyPay is valued at $24M as of September 2026, a 8.0x revenue multiple. In the last 12 months, EarlyPay revenue was $26M.
EarlyPay Overview
About EarlyPay
EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment.
Founded
2001
HQ
Employees
N/A
Website
Sectors
Financials (LTM)
EV
$208M
Valuation Multiples
Start free trialEarlyPay Financials
EarlyPay reported last 12-month revenue of $26M.
In the same LTM period, EarlyPay generated $3M in net income.
Revenue (LTM)
EarlyPay P&L
In the most recent fiscal year, EarlyPay reported revenue of $15M and EBITDA of $3M.
EarlyPay is profitable as of last fiscal year, with gross margin of 100%, EBITDA margin of 16%, and net margin of 2%.
Financial data powered by Morningstar, Inc.
EarlyPay Stock Performance
EarlyPay has current market cap of $24M, and enterprise value of $208M.
Market Cap Evolution
EarlyPay's stock price is $0.10.
EarlyPay share price decreased by 0.8% in the last 30 days, and by 29.7% in the last year.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $208M | $24M | 0.0% | -0.8% | 20.6% | -29.7% | $0.00 |
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Start Free TrialEarlyPay Valuation Multiples
EarlyPay trades at 8.0x EV/Revenue multiple, and 82.7x EV/EBITDA.
EV / Revenue (LTM)
EarlyPay Financial Valuation Multiples
As of September 21, 2026, EarlyPay has market cap of $24M and EV of $208M.
EarlyPay has a P/E ratio of 9.2x.
Multiples above and below 250x are considered non-meaningful (n/m). Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified EarlyPay Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.


EarlyPay Margins & Growth Rates
In the most recent fiscal year, EarlyPay reported gross margin of 100%, EBITDA margin of 16%, and net margin of 2%.
EarlyPay Margins
EarlyPay Growth Rates
Data powered by FactSet, Inc. and Morningstar, Inc.
EarlyPay Operational KPIs
EarlyPay's Rule of 40 is 18% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
EarlyPay's Rule of X is 20% (created by Bessemer, Rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Data powered by FactSet, Inc. and Morningstar, Inc.
EarlyPay Competitors
EarlyPay competitors include iAnthus Capital Holdings, Jhaveri Credits & Capital, Flow Cap, Finbond Group Ltd, ELANA Agrocredit, Sunrisemezz, Banco BMI, DF Deutsche Forfait, Foris and Integrated System Credit Consulting Fintech.
Most EarlyPay public comparables operate across Specialty Finance.
| Last FY | EV/Revenue | EV/EBITDA | ||||||
|---|---|---|---|---|---|---|---|---|
| Revenue | EBITDA | Last FY | LTM | 2027E | Last FY | LTM | 2027E | |
| $144M | $4M | 1.8x | - | 67.2x | - | |||
| $12M | ($333K) | 1.9x | - | (67.6x) | - | |||
| $9M | $3M | 2.3x | - | 8.3x | - | |||
| $68M | - | 2.6x | - | - | - | |||
| $11M | $2M | 4.6x | - | 22.4x | - | |||
| ($2M) | ($3M) | (11.0x) | - | (9.5x) | - | |||
| $14M | $3M | 6.8x | - | 33.1x | - | |||
| $14M | $378K | - | - | - | - | |||
This data is available for Pro users. Sign up to see all EarlyPay competitors and their valuation data. Start Free Trial | ||||||||
Acquisitions by EarlyPay
EarlyPay has acquired 1 company to date.
Last acquisition by EarlyPay was on November 3rd 2023. EarlyPay acquired Timelio for $2M (EV/Revenue multiple available to Pro users).
Latest Acquisitions by EarlyPay
| Description | Timelio is a Melbourne-based specialty-finance company founded in 2015 that provided invoice finance, trade finance and a supplier early-payment software platform to small and medium-sized businesses. Its products generated interest and fee income by advancing funds against business receivables and facilitating early supplier payments. Earlypay acquired selected receivables, staff, intellectual property and software in November 2023, and the Timelio website now directs customers to Earlypay. |
| HQ Country | |
| HQ City | Melbourne |
| Deal Date | 3 Nov 2023 |
| Valuation | $2M |
| EV/Revenue | |
| EV/EBITDA | |
This data is available for Pro users. Sign up to see all EarlyPay acquisitions and their M&A valuation multiples. Start Free Trial | |
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Start Free TrialAbout EarlyPay
| When was EarlyPay founded? | EarlyPay was founded in 2001. |
| Where is EarlyPay headquartered? | EarlyPay is headquartered in Australia. |
| Is EarlyPay publicly listed? | Yes, EarlyPay is a public company listed on Australian Securities Exchange. |
| What is the stock symbol of EarlyPay? | EarlyPay trades under EPY ticker. |
| When did EarlyPay go public? | EarlyPay went public in 2010. |
| Who are competitors of EarlyPay? | EarlyPay main competitors include iAnthus Capital Holdings, Jhaveri Credits & Capital, Flow Cap, Finbond Group Ltd, ELANA Agrocredit, Sunrisemezz, Banco BMI, DF Deutsche Forfait, Foris, Integrated System Credit Consulting Fintech. |
| What is the current market cap of EarlyPay? | EarlyPay's current market cap is $24M. |
| What is the current revenue of EarlyPay? | EarlyPay's last 12 months revenue is $26M. |
| What is the current EV/Revenue multiple of EarlyPay? | Current revenue multiple of EarlyPay is 8.0x. |
| What is the current net income of EarlyPay? | EarlyPay's last 12 months net income is $3M. |
| How many companies EarlyPay has acquired to date? | As of September 2026, EarlyPay has acquired 1 company. |
| What was the largest acquisition by EarlyPay? | $2M acquisition of Timelio on 3rd November 2023 was the largest M&A EarlyPay has done to date. |
| What companies EarlyPay acquired? | EarlyPay acquired Timelio. |
| In how many companies EarlyPay has invested to date? | EarlyPay hasn't invested in any companies yet (or none have been disclosed publicly). |
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