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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 product segments: gift and incentive cards, general purpose reloadable cards, and digital payments.
2003
458
Last FY Revenue $110M
Last FY EBITDA $21.3M
-$1.1B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
In the most recent fiscal year, EML Payments achieved revenue of $110M and an EBITDA of $21.3M.
EML Payments expects next 12-month revenue of XXX and NTM EBITDA of XXX
See EML Payments valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $110M | XXX | XXX | XXX |
| Gross Profit | XXX | $76.1M | XXX | XXX | XXX |
| Gross Margin | XXX | 69% | XXX | XXX | XXX |
| EBITDA | XXX | $21.3M | XXX | XXX | XXX |
| EBITDA Margin | XXX | 19% | XXX | XXX | XXX |
| EBIT | XXX | -$36.5M | XXX | XXX | XXX |
| EBIT Margin | XXX | -33% | XXX | XXX | XXX |
| Net Profit | XXX | -$17.4M | XXX | XXX | XXX |
| Net Margin | XXX | -16% | XXX | XXX | XXX |
| Net Debt | XXX | $28.0M | XXX | XXX | XXX |
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As of July 11, 2025, EML Payments's stock price is AUD 1 (or $1).
EML Payments has current market cap of AUD 404M (or $264M), and EV of -AUD 1.6B (or -$1.1B).
See EML Payments trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| -$1.1B | $264M | XXX | XXX | XXX | XXX | n/a |
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Start Free TrialAs of July 11, 2025, EML Payments has market cap of $264M and EV of -$1.1B.
EML Payments's trades at -8.4x EV/Revenue multiple, and 15.6x EV/EBITDA.
Equity research analysts estimate EML Payments's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
EML Payments's P/E ratio is not available.
See valuation multiples for EML Payments and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $264M | XXX | $264M | XXX | XXX | XXX |
| EV (current) | -$1.1B | XXX | -$1.1B | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | -8.4x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | 15.6x | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | 25.5x | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | -2.6x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 344.5x | 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.
Start Free TrialEML Payments's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $0.2M for the same period.
EML Payments's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
EML Payments's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for EML Payments and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 103% | 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 | |||||
|---|---|---|---|---|---|---|
| 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 |
Valuation data powered by FactSet, Inc.
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 multiples| Acquired 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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Start Free Trial| When 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 $264M |
| Is EML Payments profitable? | Yes, EML Payments is EBITDA-positive (as of the last 12 months). |
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