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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 segments: gift and incentive, general purpose reloadable, and digital payments.
2003
458
LTM Revenue $141M
LTM EBITDA $36.3M
$253M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
EML Payments has a last 12-month revenue of $141M and a last 12-month EBITDA of $36.3M.
In the most recent fiscal year, EML Payments achieved revenue of $106M and an EBITDA of $20.5M.
EML Payments expects next 12-month revenue of XXX and NTM EBITDA of XXX
See EML Payments valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $140M | $106M | XXX | XXX | XXX |
| Gross Profit | $94.9M | $83.8M | XXX | XXX | XXX |
| Gross Margin | 68% | 79% | XXX | XXX | XXX |
| EBITDA | -$154M | $20.5M | XXX | XXX | XXX |
| EBITDA Margin | -110% | 19% | XXX | XXX | XXX |
| Net Profit | -$3.0M | -$180M | XXX | XXX | XXX |
| Net Margin | -2% | -170% | XXX | XXX | XXX |
| Net Debt | $6.1M | $12.9M | XXX | XXX | XXX |
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As of March 14, 2025, EML Payments's stock price is AUD 1 (or $1).
EML Payments has current market cap of AUD 353M (or $223M), and EV of AUD 401M (or $253M).
See EML Payments trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $253M | $223M | XXX | XXX | XXX | XXX | $0.02 |
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Sign UpAs of March 14, 2025, EML Payments has market cap of $223M and EV of $253M.
EML Payments's trades at 1.8x LTM EV/Revenue multiple, and 7.0x 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 comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $253M | XXX | XXX | XXX |
| EV/Revenue | 2.0x | XXX | XXX | XXX |
| EV/EBITDA | 8.9x | XXX | XXX | XXX |
| P/E | -236.6x | XXX | XXX | XXX |
| P/E/Growth | n/a | XXX | XXX | XXX |
| EV/FCF | 47.2x | 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 comps| FY 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) | 27% | 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 | |||||
|---|---|---|---|---|---|---|
| 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 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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Sign Up| 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 $223M |
| 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 $36.3M. |
| What is the current EV/Revenue multiple of EML Payments? | Current revenue multiple of EML Payments is 1.8x. |
| What is the current EV/EBITDA multiple of EML Payments? | Current EBITDA multiple of EML Payments is 7.0x. |
| 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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