EML Payments Limited chart

Last update: 2021-02-19
Key statistics and financials
Revenue per share 0.63
Dividend & YieldN/A$ (N/A)
Beta 1.49
Market capitalization 334.42M
Operating cash flow -41.54M
ESG Scores unknown

Company description

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.

Sector: Technology - Industry: Information Technology Services

Financial Ratios
Quick Ratio0.89
Working Capital0.15
Return On Equity-0.07
Debt To Equity0.09
Fixed Asset Ratio0.23
Fixed Interest Cover7.88

Financial data

Financial Statements

Cashflow Statement 2019-06-30 2020-06-30 2021-06-30 2022-06-30
Change To Liabilities 2.63M -531k 14.92M -11.89M
Total Cashflows From Investing Activities -49.82M -154.62M -25.99M -71.14M
Net Borrowings 15M -16.66M -1.2M 46.25M
Total Cash From Financing Activities 15.01M 219.87M -623k 46.25M
Change To Operating Activities 3.77M 2.96M 4.67M -19.68M
Issuance Of Stock 353k 248.21M
Net Income 8.45M -7.14M -28.7M -4.8M
Change In Cash -5.92M 85.3M 22.85M -67.53M
Effect Of Exchange Rate -279k -2.03M 644k -1.1M
Total Cash From Operating Activities 29.16M 22.07M 48.82M -41.54M
Depreciation 4.41M 10.19M 18.68M 16.4M
Change To Account Receivables -4.63M 2.74M 4.71M -34.31M
Other Cashflows From Financing Activities -339k -11.68M 573k
Change To Netincome 6.78M 6.51M 19.44M 1.77M
Capital Expenditures -1.3M -1.54M -1.1M -1.68M

Income Statement 2019-06-30 2020-06-30 2021-06-30 2022-06-30
Research Development
Income Before Tax 9.03M -7.86M -23.28M -340k
Net Income 8.45M -7.14M -28.7M -4.8M
Selling General Administrative 31.94M 42.07M 57.8M 75.48M
Gross Profit 73.02M 88.08M 119.67M 142.04M
Ebit 13.94M 5.26M 15.62M 15.37M
Operating Income 13.94M 5.26M 15.62M 15.37M
Interest Expense -1.86M -2.54M -1.29M -1.91M
Income Tax Expense 576k -719k 5.41M 4.46M
Total Revenue 97.19M 120.96M 192.22M 232.38M
Cost Of Revenue 24.18M 32.88M 72.55M 90.34M
Total Other Income ExpenseNet -4.91M -13.12M -38.9M -15.71M
Net Income From Continuing Ops 8.45M -7.14M -28.7M -4.8M
Net Income Applicable To Common Shares 8.45M -7.14M -28.7M -4.8M

Balance Sheet Statement 2019-06-30 2020-06-30 2021-06-30 2022-06-30
Total Liabilities 332.48M 1.44B 1.87B 2.25B
Total Stockholder Equity 144.23M 440.24M 414.89M 437.12M
Other Current Liabilities 252.09M 1.31B 1.73B 2.03B
Total Assets 476.71M 1.88B 2.29B 2.68B
Common Stock 138.1M 455.58M 456.16M 494.21M
Other Current Assets 245.42M 835.22M 1.41B 1.71B
Retained Earnings -21.67M -27.07M -55.76M -60.56M
Treasury Stock 27.8M 11.73M 14.5M 3.47M
Cash 33.09M 118.38M 141.23M 73.7M
Total Current Liabilities 298.99M 1.36B 1.79B 2.1B
Other Stockholder Equity 27.8M 11.73M 14.5M 3.47M
Property, Plant, and Equipment 5.36M 14.63M 11.24M 12.72M
Total Current Assets 313.84M 1.01B 1.6B 1.86B
Net Tangible Assets 39.68M 68.53M 64.76M -11.34M
Net Receivables 32.28M 51.5M 44.77M 63.12M
Accounts Payable 15.07M 30.02M 37.28M 45.69M


Insider Transactions

Here are the insider transactions of stock shares related to EML Payments Limited:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Cregan (Thomas Anthony)D2022-07-11Former10.69M
Martin (Peter)Sale at price 1.98 per share.D2022-04-12Non Executive Chairman25k
Martin (Peter)Sale at price 2.03 per share.D2022-04-11Non Executive Chairman100k
Martin (Peter)Sale at price 2.09 per share.D2022-04-08Non Executive Chairman50k
Martin (Peter)Sale at price 2.12 per share.D2022-04-07Non Executive Chairman25k
Cregan (Thomas Anthony)D2021-09-10Chief Executive Officer195.78k
Cregan (Thomas Anthony)D2021-07-20Chief Executive Officer56.62k
Ferguson (Kirstin)D2021-07-16Retired18.32k
Shore (Robert)D2021-06-30Chief Financial Officer141.36k
Martin (Peter)Sale at price 4.37 per share.D2021-04-09Non Executive Chairman200k
Martin (Peter)Other at price 4.37 per share.D2021-04-09Non Executive Chairman63.78k
Cregan (Thomas Anthony)Other at price 3.74 per share.D2021-04-01Chief Executive Officer875k
Cregan (Thomas Anthony)Other at price 3.72 per share.D2021-03-25Chief Executive Officer875k
Cregan (Thomas Anthony)Other at price 4.10 per share.D2021-03-18Chief Executive Officer875k
Cregan (Thomas Anthony)Other at price 4.08 per share.D2021-03-16Chief Executive Officer285.03k
Cregan (Thomas Anthony)Other at price 3.95 per share.D2021-03-15Chief Executive Officer288.23k
Martin (Peter)Other at price 2.77 per share.D2020-09-04Non Executive Chairman318.89k
Cregan (Thomas Anthony)D2020-08-31Chief Executive Officer532.57k
Shore (Robert)D2020-06-30Chief Financial Officer37.5k
Thompson (Brandon Charles)D2020-06-30Former350k
Martin (Peter)I2020-06-30Non Executive Chairman
Ferguson (Kirstin)Purchase at price 2.34 per share.D2020-05-22Director (Non-Executive)11.17k
Martin (Peter)Sale at price 2.40 per share.D2020-05-22Non Executive Chairman43k
Martin (Peter)Sale at price 2.49 per share.D2020-05-21Non Executive Chairman44k
Martin (Peter)Sale at price 2.46 per share.D2020-05-20Non Executive Chairman313k
Adcock (Tony)Sale at price 1.57 per share.D2020-04-09Independent Non-Executive Director25k
Liddy (David Paul)Other at price 2.44 per share.D2019-12-11Independent Non-Executive Director160k
Martin (Peter)Other at price 2.43 per share.D2019-12-06Non Executive Chairman63.78k
Cregan (Thomas Anthony)D2019-12-06Chief Executive Officer1.46M
Wilson (Melanie)Other at price 2.43 per share.D2019-12-06Independent Non-Executive Director8k
Ferguson (Kirstin)Purchase at price 2.85 per share.D2019-11-14Director (Non-Executive)7.15k
Green (Stuart)D2019-06-30Former1.83M
Ledger (Rachelle)D2019-06-30Former113.64k
Mettemeyer (Eric)D2019-06-30Former1.04M
Stewart (Bruce)D2019-06-30Former2.97M
Betts (Andrew)D2019-06-30Former731.55k
Martin (Peter)Sale at price 1.20 per share.D2019-03-07Non Executive Chairman240.82k
Martin (Peter)Sale at price 1.20 per share.D2019-03-06Non Executive Chairman458.55k
Martin (Peter)Sale at price 1.21 per share.D2019-03-05Non Executive Chairman150.62k
Adcock (Tony)Sale at price 1.09 per share.D2018-11-21Director (Non-Executive)49.94k
Adcock (Tony)Sale at price 1.09 per share.D2018-11-21Director (Non-Executive)134.65k
Wilson (Melanie)Purchase at price 1.32 per share.D2018-08-22Independent Non-Executive Director40k
Green (Stuart)D2018-07-27Divisional Officer130k
Mettemeyer (Eric)D2018-06-30Divisional Officer216.67k
Stewart (Bruce)D2018-06-30Chief Financial Officer130k
Cregan (Thomas Anthony)D2018-04-04Chief Executive Officer175k
Liddy (David Paul)Sale at price 1.50 per share.D2017-11-21Director (Non-Executive)692.03k
Liddy (David Paul)Sale at price 1.55 per share.D2017-11-20Director (Non-Executive)88.28k
Liddy (David Paul)Sale at price 1.59 per share.D2017-11-17Director (Non-Executive)20k
Cregan (Thomas Anthony)Sale at price 0.15 per share.D2017-11-15Chief Executive Officer4M
Toms (John)D2017-08-04Deceased506.82k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to EML Payments Limited. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on EML Payments Limited

Here is the result of two systematic investment strategies applied to EML Payments Limited. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on EML Payments Limited

The following chart shows the equity curve of the two systematic investment strategies applied to EML Payments Limited:

EML Payments Limited automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 102.8% on the backtest period.

Performance at glance

Performance

102.8 %

Latent gain

2315.85 $

Invested capital

2252.68 $

Annualized return

24.95 %
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Momentum strategy results on EML Payments Limited

This is the result of two momentum investment strategies applied to EML Payments Limited. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on EML Payments Limited

The following chart shows all the entries opened by the momentum investment system on EML Payments Limited:

EML Payments Limited momentum entries
  • The first momentum investment strategy would give 104.86% of return on EML Payments Limited. That represents 5244.18$ of latent gain with 5001.27$ of employed capital.
  • The second momentum investment strategy would give 98.18% of return on EML Payments Limited. That represents 1963.36$ of latent gain with 1999.85$ of employed capital.
Performance at glance (1Q Momentum)

Performance

104.86 %

Latent gain

5244.18 $

Invested capital

5001.27 $

Annualized return

11.25 %
Performance at glance (2Q Momentum)

Performance

98.18 %

Latent gain

1963.36 $

Invested capital

1999.85 $

Annualized return

26.97 %

Momentum equity curve on EML Payments Limited

The following chart shows the equity curve of the two momentum strategies applied to EML Payments Limited:

EML Payments Limited momentum equity

Note: the dividends potentially given by EML Payments Limited are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on EML Payments Limited

The following chart shows the employed capital evolution of the two momentum strategies on EML Payments Limited since the beginning:

EML Payments Limited

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on EML Payments Limited

Buy the dip entry openings on EML Payments Limited

EML Payments Limited

The performance achieved by the robo-advisor on EML Payments Limited is 23.84%. That represents 118.88$ of latent gain with 498.71$ of employed capital. The following chart shows EML Payments Limited stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of EML Payments Limited, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

23.84 %

Latent gain

118.88 $

Invested capital

498.71 $

Annualized return

11.25 %

Equity curve of the strategy applied to EML Payments Limited

The following chart shows the result of the investment strategy applied to EML Payments Limited:

EML Payments Limited

Note: the dividends potentially given by EML Payments Limited are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on EML Payments Limited

The following chart shows the employed capital evolution since the beginning of the investment strategy on EML Payments Limited:

EML Payments Limited

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on EML Payments Limited

In this section, I will compare the three previous investment strategies applied to EML Payments Limited.

Equity curve comparison on EML Payments Limited

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

EML Payments Limited investment strategy comparison

Employed capital comparison on EML Payments Limited

EML Payments Limited investment comparison

Performance comparison on EML Payments Limited

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 102.8% 2315.85$ 2252.68$ 24.95%
Momentum 1 quarter 104.86% 5244.18$ 5001.27$ 27.03%
Momentum 2 quarters 98.18% 1963.36$ 1999.85$ 26.97%
Non-directional 23.84% 118.88$ 498.71$ 11.25%
Annualized return comparison

Automatic investment

24.95 %

Momentum 1Q

26.97 %

Momentum 2Q

26.97 %

Non-directional

11.25 %

Correlated stocks

Here are the most positively and negatively correlated stocks with EML Payments Limited:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between EML Payments Limited and the other stocks. There may be false positives or some missing correlated stocks. If the price of EML Payments Limited does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name EML Payments Limited
Country Australia
City Brisbane
Address 333 Ann Street
Phone 61 7 3557 1100
Website emlpayments.com
FullTime employees 642
Industry Information Technology Services
Sector Technology
Exchange XASX
Ticker EML.XASX
Market www2.asx.com.au

EML Payments Limited ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown