EML (EML Payments Ltd) vs S&P/ASX 300 comparison

EML

S&P/ASX 300

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EML

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EML

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EML Payments Ltd
Glance View

Market Cap

312.8m AUD

Industry

Technology

EML Payments Ltd. engages in the provision of payment solutions and financial services. The company is headquartered in Brisbane, Queensland and currently employs 540 full-time employees. The company went IPO on 2006-01-18. The Company’s portfolio of payment solutions offers various options for disbursement payout’s, gifts, incentives and rewards. The company operates through three segments: Gift & Incentive (G&I), General Purpose Reloadable (GPR) and Virtual Account Numbers (VANS). The G&I segment provides custom designed gift cards solution through approximately 1,200 malls in Europe and North America. The GPR segment provides card solutions, including Gaming Payouts, Salary Packaging, Merchant Coalition, Commission Payouts and Incentives and Rewards. The VANS segment provides virtual card and using virtual account number. The firm operates in Australia, Europe, the Middle East and Africa, and North America.

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EML Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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US		Visa Inc NYSE:V	Select
US		Mastercard Inc NYSE:MA	Select
US		Automatic Data Processing Inc NASDAQ:ADP	Select
US	F	Fiserv Inc NYSE:FI	Select
US		PayPal Holdings Inc NASDAQ:PYPL	Select
US		Block Inc NYSE:SQ	Select
US		Paychex Inc NASDAQ:PAYX	Select
NL		Adyen NV AEX:ADYEN	Select
US		Fidelity National Information Services Inc NYSE:FIS	Select
ES		Amadeus IT Group SA MAD:AMS	Select

US		Visa Inc NYSE:V	Add
US		Mastercard Inc NYSE:MA	Add
US		Automatic Data Processing Inc NASDAQ:ADP	Add
US	F	Fiserv Inc NYSE:FI	Add
US		PayPal Holdings Inc NASDAQ:PYPL	Add
US		Block Inc NYSE:SQ	Add
US		Paychex Inc NASDAQ:PAYX	Add
NL		Adyen NV AEX:ADYEN	Add
US		Fidelity National Information Services Inc NYSE:FIS	Add
ES		Amadeus IT Group SA MAD:AMS	Add

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EML

vs

S&P/ASX 300

Stocks Performance
EML vs S&P/ASX 300

Performance Gap
EML vs S&P/ASX 300

Performance By Year
EML vs S&P/ASX 300

EML Payments Ltd
Glance View

Company

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EML vs S&P/ASX 300

Stocks Performance EML vs S&P/ASX 300

Performance Gap EML vs S&P/ASX 300

Performance By Year EML vs S&P/ASX 300

EML Payments Ltd Glance View

Company

Help

Tools

Stocks

EML

vs

S&P/ASX 300

Stocks Performance
EML vs S&P/ASX 300

Performance Gap
EML vs S&P/ASX 300

Performance By Year
EML vs S&P/ASX 300

EML Payments Ltd
Glance View