EML Payments Limited is an information technology services business based in Australia. EML Payments shares (EML) are listed on the Australian Securities Exchange (ASX) and all prices are listed in Australian Dollars. Its last market close was $2.69 – a decrease of 5.94% over the previous week. EML Payments has a trailing 12-month revenue of around $121 million.
How to buy shares in EML Payments
- Compare share trading platforms. To buy shares listed in Australia, you'll need to sign up to a broker with access to the Australian Securities Exchange (ASX). Our table below can help you choose.
- Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and tax file number. Fund your account with a bank transfer, PayPal or debit card.
- Search for EML Payments. Find the share by name or ticker symbol: EML. Research its history to confirm it's a solid investment against your financial goals.
- Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until EML Payments reaches your desired price. To spread out your risk, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
- Decide on how many to buy. At today's price of $2.69, weigh your budget against a diversified portfolio that can minimise risk through the market's ups and downs.
- Check in on your investment. Congratulations, you own a part of EML Payments. Optimise your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.
What's in this guide?
- EML Payments key stats
- Compare share trading platforms
- Is EML Payments stock a buy or sell?
- EML Payments performance over time
- Are EML Payments shares over-valued?
- EML Payments's financials
- How volatile are EML Payments shares?
- Does EML Payments pay a dividend?
- Have EML Payments shares ever split?
- Other common questions
How has coronavirus impacted EML Payments's share price?
Since the stock market crash in March caused by coronavirus, EML Payments's share price has had significant negative movement.
Its last market close was $2.69, which is 41.90% down on its pre-crash value of $4.63 and 124.17% up on the lowest point reached during the March crash when the shares fell as low as $1.2.
If you had bought $1,000 worth of EML Payments shares at the start of February 2020, those shares would have been worth $258.72 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth $521.32.
EML Payments share priceUse our graph to track the performance of EML stocks over time.
EML Payments shares at a glance
|Latest market close||AUDA$2.69|
|52-week range||AUDA$1.2 - AUDA$5.7|
|50-day moving average||AUDA$3.0929|
|200-day moving average||AUDA$3.037|
|Dividend yield||N/A (0%)|
|Earnings per share (TTM)||AUDA$0.037|
Standard brokerage - Australian shares
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- Brokerage - AU shares: From AUD 5 or 0.05%
- Brokerage - US shares: USD 0
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- Support - After hours: Yes
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Is it a good time to buy EML Payments stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
EML Payments price performance over time
|1 week (2020-09-14)||-7.56%|
|1 month (2020-08-25)||-16.20%|
|3 months (2020-06-21)||N/A|
|6 months (2020-03-23)||101.50%|
|1 year (2019-09-21)||N/A|
|2 years (2018-09-21)||71.81%|
|3 years (2017-09-21)||35.48%|
|5 years (2015-09-21)||342.80%|
Is EML Payments under- or over-valued?
Valuing EML Payments stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of EML Payments's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
EML Payments's P/E ratio
EML Payments's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 180x. In other words, EML Payments shares trade at around 180x recent earnings.
That's relatively high compared to, say, the P/E ratio for the ASX over the 12 months to December 2019 (32.14). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.
EML Payments's EBITDA
EML Payments's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $14.4 million (£8 million).
The EBITDA is a measure of a EML Payments's overall financial performance and is widely used to measure a its profitability.
EML Payments financials
|Revenue TTM||$121 million|
|Operating margin TTM||5.22%|
|Gross profit TTM||$88.1 million|
|Return on assets TTM||0.33%|
|Return on equity TTM||-2%|
|Market capitalisation||$1 billion|
TTM: trailing 12 months
EML Payments share dividends
We're not expecting EML Payments to pay a dividend over the next 12 months.
Have EML Payments's shares ever split?
EML Payments's shares were split on a 1:5 basis on 30 June 2011. So if you had owned 5 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your EML Payments shares – just the quantity. However, indirectly, the new 400% higher share price could have impacted the market appetite for EML Payments shares which in turn could have impacted EML Payments's share price.
EML Payments share price volatility
Over the last 12 months, EML Payments's shares have ranged in value from as little as $1.2 up to $5.7. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (AU average) beta is 1, while EML Payments's is 1.7645. This would suggest that EML Payments's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
EML Payments overview
EML Payments Limited provides prepaid payment services in Australia, Europe, and North America. Its portfolio of payment solutions offers options for disbursement payouts, gifts, incentives, and rewards, as well as white label payments and banking-as-a-service technology. The company issues mobile, virtual, and physical card solutions for various corporate brands. It serves blue-chip financial institutions, nonfinancial corporates, SMEs, FinTech companies, public sector, and NGO bodies. The company was formerly known as Emerchants Limited and changed its name to EML Payments Limited in November 2016. EML Payments Limited was incorporated in 2003 and is headquartered in Brisbane, Australia.
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