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.
2003
458
LTM Revenue $141M
LTM EBITDA $36.1M
-$1.1B
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EML Payments has a last 12-month revenue of $141M and a last 12-month EBITDA of $36.1M.
In the most recent fiscal year, EML Payments achieved revenue of $105M and an EBITDA of $20.4M.
EML Payments expects next 12-month revenue of XXX   and NTM EBITDA of XXX
See EML Payments valuation multiples based on analyst estimatesFY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
---|---|---|---|---|---|
Revenue | $139M | $105M | XXX | XXX | XXX |
Gross Profit | $94.3M | $83.3M | XXX | XXX | XXX |
Gross Margin | 68% | 79% | XXX | XXX | XXX |
EBITDA | -$153M | $20.4M | XXX | XXX | XXX |
EBITDA Margin | -110% | 19% | XXX | XXX | XXX |
Net Profit | -$3.0M | -$179M | XXX | XXX | XXX |
Net Margin | -2% | -170% | XXX | XXX | XXX |
Net Debt | $6.1M | $12.8M | XXX | XXX | XXX |
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As of April 15, 2025, EML Payments's stock price is AUD 1 (or $1).
EML Payments has current market cap of AUD 338M (or $212M), and EV of -AUD 1.7B (or -$1.1B).
See EML Payments trading valuation dataEV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
---|---|---|---|---|---|---|
-$1.1B | $212M | XXX | XXX | XXX | XXX | $0.03 |
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Sign UpAs of April 15, 2025, EML Payments has market cap of $212M and EV of -$1.1B.
EML Payments's trades at -7.6x LTM EV/Revenue multiple, and -29.8x LTM EBITDA.
Analysts estimate EML Payments's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for EML Payments and 10K+ public compsFY 2024 | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|
EV | -$1.1B | XXX | XXX | XXX |
EV/Revenue | -8.7x | XXX | XXX | XXX |
EV/EBITDA | -38.0x | XXX | XXX | XXX |
P/E | -226.4x | XXX | XXX | XXX |
P/E/Growth | n/a | XXX | XXX | XXX |
EV/FCF | -201.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpEML Payments's NTM/LTM revenue growth is 4%
EML Payments's revenue per employee for the last fiscal year averaged $0.2M, while opex per employee averaged $0.2M for the same period.
Over next 12 months, EML Payments's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate EML Payments's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for EML Payments and other 10K+ public compsFY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|---|
Revenue Growth | -24% | XXX | XXX | XXX | XXX |
EBITDA Margin | 23% | XXX | XXX | XXX | XXX |
EBITDA Growth | -113% | XXX | XXX | XXX | XXX |
Rule of 40 (SaaS-only) | 26% | XXX | XXX | XXX | XXX |
Revenue per Employee | $0.2M | XXX | XXX | XXX | XXX |
Opex per Employee | $0.2M | XXX | XXX | XXX | XXX |
S&M Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
G&A Expenses to Revenue | 52% | XXX | XXX | XXX | XXX |
R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
Opex to Revenue | 103% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
EV/Revenue | EV/EBITDA | |||||
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2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
Adyen | XXX | XXX | XXX | XXX | XXX | XXX |
Tyro Payments | XXX | XXX | XXX | XXX | XXX | XXX |
One97 Communications | XXX | XXX | XXX | XXX | XXX | XXX |
AGS Transact | XXX | XXX | XXX | XXX | XXX | XXX |
CSU Digital | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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EML Payments acquired XXX companies to date.
Last acquisition by EML Payments was XXXXXXXX, XXXXX XXXXX XXXXXX . EML Payments acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiplesAcquired Company | EV | EV/Revenue | EV/EBITDA |
---|---|---|---|
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
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Sign UpWhen was EML Payments founded? | EML Payments was founded in 2003. |
Where is EML Payments headquartered? | EML Payments is headquartered in Australia. |
How many employees does EML Payments have? | As of today, EML Payments has 458 employees. |
Who is the CEO of EML Payments? | EML Payments's CEO is Mr. Ron Hynes. |
Is EML Payments publicy listed? | Yes, EML Payments is a public company listed on ASX. |
What is the stock symbol of EML Payments? | EML Payments trades under EML ticker. |
When did EML Payments go public? | EML Payments went public in 2006. |
Who are competitors of EML Payments? | Similar companies to EML Payments include e.g. Adyen, Tyro Payments, One97 Communications, AGS Transact. |
What is the current market cap of EML Payments? | EML Payments's current market cap is $212M |
What is the current revenue of EML Payments? | EML Payments's last 12-month revenue is $141M. |
What is the current EBITDA of EML Payments? | EML Payments's last 12-month EBITDA is $36.1M. |
What is the current EV/Revenue multiple of EML Payments? | Current revenue multiple of EML Payments is -7.6x. |
What is the current EV/EBITDA multiple of EML Payments? | Current EBITDA multiple of EML Payments is -29.8x. |
What is the current revenue growth of EML Payments? | EML Payments revenue growth between 2023 and 2024 was -24%. |
Is EML Payments profitable? | Yes, EML Payments is EBITDA-positive (as of the last 12 months). |
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