EML Payments Ltd
ASX:EML

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EML Payments Ltd Logo
EML Payments Ltd
ASX:EML
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Price: 0.665 AUD 0.76% Market Closed
Market Cap: 251.6m AUD
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Intrinsic Value

The intrinsic value of one EML stock under the Base Case scenario is 1.059 AUD. Compared to the current market price of 0.665 AUD, EML Payments Ltd is Undervalued by 37%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

EML Intrinsic Value
1.059 AUD
Undervaluation 37%
Intrinsic Value
Price
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Base Case
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Valuation Backtest
EML Payments Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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0-6
Months
0-12
Months
0-36
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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
EML Payments Ltd

Current Assets 2.5B
Cash & Short-Term Investments 2.5B
Receivables 68.4m
Other Current Assets 14.2m
Non-Current Assets 596.5m
Long-Term Investments 351.2m
PP&E 9.6m
Intangibles 173.3m
Other Non-Current Assets 62.4m
Current Liabilities 2.9B
Accounts Payable 91.7m
Short-Term Debt 48.8m
Other Current Liabilities 2.8B
Non-Current Liabilities 55m
Long-Term Debt 22.8m
Other Non-Current Liabilities 32.1m
Efficiency

Earnings Waterfall
EML Payments Ltd

Revenue
217.3m AUD
Cost of Revenue
-48.7m AUD
Gross Profit
168.7m AUD
Operating Expenses
-145.2m AUD
Operating Income
23.4m AUD
Other Expenses
-49.9m AUD
Net Income
-26.5m AUD

Free Cash Flow Analysis
EML Payments Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

EML Profitability Score
Profitability Due Diligence

EML Payments Ltd's profitability score is 31/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 1-Year Revenue Growth
Positive 3-Years Revenue Growth
Positive Revenue Growth Forecast
31/100
Profitability
Score

EML Payments Ltd's profitability score is 31/100. The higher the profitability score, the more profitable the company is.

EML Solvency Score
Solvency Due Diligence

EML Payments Ltd's solvency score is 39/100. The higher the solvency score, the more solvent the company is.

Negative Net Debt
Low D/E
Long-Term Solvency
Short-Term Solvency
39/100
Solvency
Score

EML Payments Ltd's solvency score is 39/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

EML Price Targets Summary
EML Payments Ltd

Wall Street analysts forecast EML stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for EML is 0.944 AUD with a low forecast of 0.687 AUD and a high forecast of 1.26 AUD.

Lowest
Price Target
0.687 AUD
3% Upside
Average
Price Target
0.944 AUD
42% Upside
Highest
Price Target
1.26 AUD
89% Upside
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Dividends

EML Payments Ltd
does not pay dividends
Shareholder Yield

Current shareholder yield for EML is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Ownership

EML Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
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Profile

EML Payments Ltd Logo
EML Payments Ltd

Country

Australia

Industry

Technology

Market Cap

249.1m AUD

Dividend Yield

0%

Description

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.

Contact

QUEENSLAND
Brisbane
L 12 333 Ann St
+61736070100.0
www.emlpayments.com

IPO

2006-01-18

Employees

540

Officers

Group Chief Financial Officer
Mr. James Gladstone Georgeson C.A.
Chief Corporate Development Officer
Mr. Peter A. Lang
Group CEO, MD & Director
Mr. Ronald C. Hynes
Group General Counsel
Mr. Paul Wenk
Group Chief Risk & Compliance Officer
Martin Ivanov

See Also

Discover More
What is the Intrinsic Value of one EML stock?

The intrinsic value of one EML stock under the Base Case scenario is 1.059 AUD.

Is EML stock undervalued or overvalued?

Compared to the current market price of 0.665 AUD, EML Payments Ltd is Undervalued by 37%.

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