EML Payments - Public Comps and Valuation Multiples

EML Payments Overview

About EML Payments

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 across three product offerings: gift and incentive cards, general purpose reloadable cards, and digital payments.

Founded

2003

HQ

Employees

458

Website

emlpayments.com

Sectors

Payment Service Providers
Payments Infrastructure
FinTech

Financials

LTM Revenue $146M

LTM EBITDA $38.7M

EV

-$974M

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EML Payments Financials

As of August 2025, EML Payments reported last 12-month revenue of $146M and EBITDA of $38.7M.

In the same period, EML Payments achieved -$24.9M in LTM net income.

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EML Payments P&L

In the most recent fiscal year, EML Payments reported revenue of $103M and EBITDA of -$13.5M.

EML Payments expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$146M	XXX	$103M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$67.4M	XXX	XXX	XXX
Gross Margin	n/a	XXX	65%	XXX	XXX	XXX
EBITDA	$38.7M	XXX	-$13.5M	XXX	XXX	XXX
EBITDA Margin	27%	XXX	-13%	XXX	XXX	XXX
EBIT	$10.8M	XXX	-$70.8M	XXX	XXX	XXX
EBIT Margin	7%	XXX	-68%	XXX	XXX	XXX
Net Profit	-$24.9M	XXX	-$35.0M	XXX	XXX	XXX
Net Margin	-17%	XXX	-34%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for EML Payments including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $146M. EBITDA for the last twelve months was $38.7M. In the most recent fiscal year, EML Payments achieved $103M in revenue and -$13.5M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$146M	Analyst estimates available to subscribers	$103M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$67.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	65.1% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$38.7M	Analyst estimates available to subscribers	-$13.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	26.6% EBITDA margin	Analyst estimates available to subscribers	-13.0% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$10.8M	Analyst estimates available to subscribers	-$70.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	7.4% EBIT margin	Analyst estimates available to subscribers	-68.4% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	-$24.9M	Analyst estimates available to subscribers	-$35.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	-17.1% net profit margin	Analyst estimates available to subscribers	-33.8% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for EML Payments

This financial data table provides comprehensive performance metrics for EML Payments, a company based in Australia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

EML Payments generated $146M in revenue over the last twelve months.
The company achieved $38.7M in EBITDA over the last twelve months.
Net income over the last twelve months reached -$24.9M.

Fiscal Year Performance

In the most recent fiscal year, EML Payments reported $103M in total revenue.
Fiscal year EBITDA was -$13.5M.
The company maintained a gross profit margin of 65.1% in the most recent fiscal year.
EBITDA margin for the fiscal year was -13.0%.
Net profit margin reached -33.8% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for EML Payments. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

EML Payments Stock Performance

EML Payments has current market cap of AUD 384M (or $252M), and EV of -AUD 1.5B (or -$974M).

Market Cap Evolution

EML Payments Stock Data

As of September 18, 2025, EML Payments's stock price is AUD 1 (or $1).

See EML Payments trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
-$974M	$252M	XXX	XXX	XXX	XXX	$-0.07

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EML Payments Valuation Multiples

EML Payments's trades at -9.1x EV/Revenue multiple, and -249.9x EV/EBITDA.

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EML Payments Financial Valuation Multiples

As of September 18, 2025, EML Payments has market cap of $252M and EV of -$974M.

Equity research analysts estimate EML Payments's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

EML Payments has a P/E ratio of -10.1x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$252M	XXX	$252M	XXX	XXX	XXX
EV (current)	-$974M	XXX	-$974M	XXX	XXX	XXX
EV/Revenue	-6.7x	XXX	-9.1x	XXX	XXX	XXX
EV/EBITDA	-25.2x	XXX	-249.9x	XXX	XXX	XXX
EV/EBIT	-90.5x	XXX	18.2x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	-10.1x	XXX	-9.6x	XXX	XXX	XXX
EV/FCF	-117.5x	XXX	-190.3x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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EML Payments Margins & Growth Rates

EML Payments's last 12 month revenue growth is 4%

EML Payments's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $0.3M for the same period.

EML Payments's rule of 40 is 8% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

EML Payments's rule of X is 36% (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).

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EML Payments Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	4%	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	27%	XXX	4%	XXX	XXX	XXX
EBITDA Growth	6%	XXX	n/a	XXX	XXX	XXX
Rule of 40	8%	XXX	8%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	36%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.3M	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	133%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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