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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
LTM Revenue $145M
LTM EBITDA $36.9M
-$1.0B
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EML Payments has a last 12-month revenue (LTM) of $145M and a last 12-month EBITDA of $36.9M.
In the most recent fiscal year, EML Payments achieved revenue of $108M and an EBITDA of $20.9M.
EML Payments expects next 12-month revenue of XXX and NTM EBITDA of XXX
See EML Payments valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $145M | XXX | $108M | XXX | XXX | XXX |
| Gross Profit | $109M | XXX | $74.6M | XXX | XXX | XXX |
| Gross Margin | 75% | XXX | 69% | XXX | XXX | XXX |
| EBITDA | $36.9M | XXX | $20.9M | XXX | XXX | XXX |
| EBITDA Margin | 26% | XXX | 19% | XXX | XXX | XXX |
| EBIT | $22.2M | XXX | -$35.8M | XXX | XXX | XXX |
| EBIT Margin | 15% | XXX | -33% | XXX | XXX | XXX |
| Net Profit | $13.3M | XXX | -$17.0M | XXX | XXX | XXX |
| Net Margin | 9% | XXX | -16% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $27.5M | XXX | XXX | XXX |
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As of May 30, 2025, EML Payments's stock price is AUD 1 (or $1).
EML Payments has current market cap of AUD 432M (or $277M), and EV of -AUD 1.6B (or -$1.0B).
See EML Payments trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| -$1.0B | $277M | XXX | XXX | XXX | XXX | $0.03 |
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Start Free TrialAs of May 30, 2025, EML Payments has market cap of $277M and EV of -$1.0B.
EML Payments's trades at -8.2x EV/Revenue multiple, and -35.9x EV/EBITDA.
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 20.8x.
See valuation multiples for EML Payments and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $277M | XXX | $277M | XXX | XXX | XXX |
| EV (current) | -$1.0B | XXX | -$1.0B | XXX | XXX | XXX |
| EV/Revenue | -7.2x | XXX | -8.2x | XXX | XXX | XXX |
| EV/EBITDA | -28.1x | XXX | -35.9x | XXX | XXX | XXX |
| EV/EBIT | -46.7x | XXX | 163.9x | XXX | XXX | XXX |
| EV/Gross Profit | -9.6x | XXX | n/a | XXX | XXX | XXX |
| P/E | 20.8x | XXX | -289.3x | XXX | XXX | XXX |
| EV/FCF | -137.6x | XXX | -190.2x | 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.
Start Free TrialEML 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 $0.2M for the same period.
EML Payments's rule of 40 is -51% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
EML Payments's rule of X is 34% (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 | 4% | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | 26% | XXX | 23% | XXX | XXX | XXX |
| EBITDA Growth | 7% | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | -51% | XXX | 26% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 34% | 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 $277M |
| What is the current revenue of EML Payments? | EML Payments's last 12 months revenue is $145M. |
| What is the current revenue growth of EML Payments? | EML Payments revenue growth (NTM/LTM) is 4%. |
| What is the current EV/Revenue multiple of EML Payments? | Current revenue multiple of EML Payments is -7.2x. |
| Is EML Payments profitable? | Yes, EML Payments is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of EML Payments? | EML Payments's last 12 months EBITDA is $36.9M. |
| What is EML Payments's EBITDA margin? | EML Payments's last 12 months EBITDA margin is 26%. |
| What is the current EV/EBITDA multiple of EML Payments? | Current EBITDA multiple of EML Payments is -28.1x. |
| What is the current FCF of EML Payments? | EML Payments's last 12 months FCF is $7.5M. |
| What is EML Payments's FCF margin? | EML Payments's last 12 months FCF margin is 5%. |
| What is the current EV/FCF multiple of EML Payments? | Current FCF multiple of EML Payments is -137.6x. |
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