Technology
EML Payments Limited(EMCHF)
Live Price
Offline$0.4911
+0.00% today
1Y Change
-29.84%
Window
Jun 25, 2025 โ Jun 16, 2026
- Market Cap
- $160.00M
- Revenue Growth
- -5.7%
- EPS Growth
- -1405.4%
- Dividend Yield
- 0.0%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
EML Payments Limited (EMCHF) is a Technology stock with a market cap of $160.00M and listed on OTC. The stock last traded around $0.49 and down 29.8% across the available one-year price window (Jun 25, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of -5.7%, EPS growth of -1405.4%, a dividend yield of 0.0%. What stands out right now is revenue -5.7%, EPS -1405.4%, free cash flow +122.8% with operating margin -85.8% and ROIC -4.5%. Valuation is more restrained than many high-expectation growth names at price/sales 1.0. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines EMCHF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Technology peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-5.7% vs +11.9% peer median
Operating Margin
Below sector median
-85.8% vs +22.0% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report came in below the EPS bar
2026 was reported on Feb 24, 2026 with an EPS surprise of -152.0% and a revenue surprise of -4.4%.
The operating picture looks softer than before
Revenue is at -5.7% and EPS is at -1405.4%, with operating margin around -85.8%.
The next real check-in already has a date
The next earnings event is scheduled for Sep 2, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.6% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Feb 24, 2026 | -152.0% | +0.0% | +0.0% | +0.0% |
2025 Aug 25, 2025 | -640.9% | +0.0% | -4.9% | -4.9% |
2025 Feb 25, 2025 | +165.5% | +0.0% | +0.0% | +0.0% |
Benchmark Edge
EMCHF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
EMCHF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
EMCHF Max Drawdown
-29.84%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for EMCHF and SPY.
Company Overview
EML Payments Limited
Other OTC
EML Payments Limited provides payment solutions platform in Australia, Europe, and North America. It operates in three segments: General Purpose Reloadable, Gift and Incentives, and Digital Payments. The General Purpose Reloadable segment offers reloadable cards to various industries, such as government, salary packaging, gaming, and digital banking. This segment also provides issuance, processing, and program management services. The Gift and Incentives segment provides single load gift cards for shopping malls and incentive programs. The Digital Payments segment offers payment options for open banking, buy-now pay-later providers, and bill payment providers. The company also offers banking, credit, and disbursements services, as well as earned wage access, gifts, incentives and rewards, open banking, and forex payment solutions. The company was formerly known as Emerchants Limited. EML Payments Limited was incorporated in 2003 and is based in Brisbane, Australia.
- Leadership
- Adam R. Olding
- IPO Date
- May 5, 2014
- Employees
- 458
- Street Address
- 333 Ann Street
- Mailing
- Brisbane, QLD, 4000
- Region
- Brisbane, QLD, AU
- Reporting Currency
- USD
- Investor Line
- 61 7 3557 1100
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 1.0
- Price/Book
- 1.1
Growth
- Revenue
- -5.7%
- EPS
- -1405.4%
- Free Cash Flow
- +122.8%
Profitability
- Gross Margin
- 44.2%
- Operating Margin
- -85.8%
- Net Margin
- -42.6%
- ROE
- -45.2%
- ROIC
- -4.5%
Balance Sheet
- Debt/Equity
- 0.59
- Current Ratio
- 15.88
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.