EML Financials: Results, Ratios & Statements | EML Payments

EML

EML Payments

Financial Services

EML Payments is a global provider of payment solutions, specializing in the issuance and management of prepaid financial cards and digital payment programs. The company offers a diverse range of products including gift cards, incentive programs, salary packaging, and government disbursements. EML's business model focuses on facilitating transactions and managing funds for businesses and consumers across various industries, leveraging its proprietary technology platform for scalable and customizable solutions.

Short position

short percentage1.84%

reported shorts7.2M

shares on issue391.262M

EML Payments (ASX:EML) has 1.84% of its shares on issue reported as short positions as of 5 Oct 2026, or about 7,182,683 shares. Over the past 30 days that figure has fallen 1.92 percentage points, and over 90 days it has fallen 1.63 percentage points. Its highest recorded short interest was 12.25% in November 2022. EML is classified in the Financial Services industry. All figures come from official ASIC short position reports, published with a four trading-day (T+4) delay.

Price & short interest

Toggle series, zoom, and compare · ASIC daily, T+4

Latest result

Year to 30 Jun 2026 (FY26) vs FY25, figures in AUD, the reporting currency

Revenue: $150.3Mvs $157.9M (FY25); Yahoo Finance, as at 29 Sep 2026
NPAT: −$19.7Mvs −$53.4M (FY25); Yahoo Finance, as at 29 Sep 2026
EPS (diluted): −$0.051vs −$0.14 (FY25); Yahoo Finance, as at 29 Sep 2026

Rev YoY: −4.8%FY
EPS YoY: n/aTTM

Key ratios

Year to 30 Jun 2026 (FY); balance sheet at 30 Jun 2026; prices to 9 Oct 2026

Gross margin: n/m
Operating margin: n/m
Net margin: −13.1%
FCF margin: n/m
ROE: −14.2%
ROA: −0.8%
FCF conversion: n/m
Net debt (excl. leases): n/m
Net debt / EBITDA: n/m
Current ratio: n/m
Interest cover: n/m
Cash dividends paid / net profit: n/a
Market cap: $87.4M
P/E: n/a
P/B: 0.7×

n/m: not meaningful for banks, insurers and other financials.

Ratios use the reporting currency (AUD); market cap is in AUD. Source: Yahoo Finance, as at 29 Sep 2026.

Financial statements

Figures in AUD, the reporting currency; Yahoo Finance unless marked

EML income, newest period first, figures in AUD
Line item	FY26	FY25	FY24	FY23
Revenue	$150.3M	$157.9M	$167.5M	$221.7M
Gross profit	$93.6M	$102.8M	$116.1M	$132.6M
Operating income	−$68.1M	−$108.0M	−$55.7M	−$73.3M
EBITDA	$2.4M	−$20.6M	$32.5M	−$243.1M
EBIT	−$10.8M	−$35.8M	$7.6M	−$278.2M
Interest expense	$7.2M	$6.1M	$5.2M	$3.6M
Pretax income	−$18.0M	−$41.9M	$2.4M	−$281.8M
Tax	$1.7M	$11.0M	$12.0M	$3.1M
NPAT	−$19.7M	−$53.4M	−$26.5M	−$284.8M
Net interest income	$49.4M	$57.8M	$44.6M	$28.9M
EPS basic	−$0.051	−$0.14	−$0.071	−$0.76
EPS diluted	−$0.051	−$0.14	−$0.071	−$0.76
Shares	388.7M	382.1M	375.2M	374.0M

Financial reports

The company's own filings, newest first