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.
| Market Capitalization | $443.9037 million |
| P/E Ratio | 0 |
| P/E Growth Ratio | 0 |
| Book Value | 0.467 |
| Dividend Per Share | 0 |
| Earnings Per Share | -0.78 |
| EBITDA | 13,771 |
| Profit Margin | -1.1205 |
| Operating Margin TTM | -0.0042 |
| Return on Assets TTM | -0.0002 |
| Return on Equity TTM | -0.9313 |
| Revenue TTM | 254,190 |
All numbers are in thousands
| Date | Total Revenue | Cost of Revenue | Gross Profit | Total Operating Expenses |
|---|---|---|---|---|
| 1997-06-30 | 2,212,979 | 17,966 | 2,195,013 | 2,133,726 |
| 1998-06-30 | 2,357,924 | 20,818 | 2,337,106 | 2,227,212 |
| 1999-06-30 | 2,233,300 | 27,000 | 2,206,300 | 2,430,600 |
| 2000-06-30 | 2,102,400 | 29,100 | 2,073,300 | 2,026,500 |
| 2004-06-30 | ||||
| 2005-06-30 | 8 | |||
| 2006-06-30 | 82 | 196.543 | ||
| 2007-06-30 | 145 | 1,253 | 1,774.512 | |
| 2008-06-30 | 0.098 | 521 | 0.098 | 1,190.891 |
| 2009-06-30 | 26.761 | 2,871 | 26.761 | 3,169.596 |
| 2010-06-30 | 45 | 243 | 577.434 | |
| 2011-06-30 | 205 | 5,359.218 | ||
| 2012-06-30 | 3,771 | 371.841 | -371.841 | 12,190.159 |
| 2013-06-30 | 5,034 | 667.131 | -667.131 | 10,204.097 |
| 2014-06-30 | 4,236.91 | 1,135.301 | 3,101.609 | 9,957.638 |
| 2015-06-30 | 13,504.015 | 3,155.592 | 10,348.423 | 16,744.747 |
| 2016-06-30 | 22,351.049 | 5,110.131 | 17,240.918 | 19,470.952 |
| 2017-06-30 | 56,314 | 13,714 | 42,600 | 46,598 |
| 2018-06-30 | 68,312 | 17,719 | 50,593 | 47,417 |
| 2019-06-30 | 94,392 | 24,180 | 70,212 | 59,397 |
| 2020-06-30 | 117,284 | 32,884 | 84,400 | 82,355 |
| 2021-06-30 | 187,141 | 63,800 | 123,341 | 124,149 |
| 2022-06-30 | 224,591 | 74,567 | 150,024 | 153,346 |
| 2023-06-30 | 221,686 | 89,098 | 132,588 | 205,856 |
All numbers are in thousands
| Date | Cash | Total Assets | Total Liabilities | Short Term Debt | Long Term Debt | Common Stock |
|---|---|---|---|---|---|---|
| 1997-06-30 | 128,277 | 1,539,640 | 814,644 | 437,591 | 421,160 | 146,722 |
| 1998-06-30 | 113,246 | 1,527,189 | 848,754 | 305,970 | 305,970 | 144,693 |
| 1999-06-30 | 61,200 | 1,394,000 | 733,400 | 285,100 | 251,500 | 473,400 |
| 2000-06-30 | 79,000 | 1,376,200 | 781,100 | 313,000 | 226,600 | 396,100 |
| 2004-06-30 | 123 | 2,652 | 50 | 2,855 | ||
| 2005-06-30 | 2,730.899 | 5,351.931 | 33.043 | 5,429.781 | ||
| 2006-06-30 | 2,398.941 | 5,289.68 | 44.867 | 4.928 | 5,502.423 | |
| 2007-06-30 | 3,195.521 | 6,281.934 | 367.025 | 7,785.605 | ||
| 2008-06-30 | 1,188.955 | 5,436.713 | 207.849 | 7,948.513 | ||
| 2009-06-30 | 834.548 | 3,304.648 | 104.466 | 9,031.787 | ||
| 2010-06-30 | 1,753.684 | 4,237.577 | 194.846 | 10,259.958 | ||
| 2011-06-30 | 10,317.609 | 14,866.414 | 10,837.804 | 15,128.715 | ||
| 2012-06-30 | 2,289.472 | 16,855.429 | 1,892.927 | 398.266 | 34,810.591 | |
| 2013-06-30 | 1,359.398 | 14,963.051 | 1,309.559 | 38,183.2 | ||
| 2014-06-30 | 4,495.896 | 18,472.805 | 1,766.367 | 44,482.683 | ||
| 2015-06-30 | 4,263.672 | 64,764.704 | 12,181.084 | 70,227.532 | ||
| 2016-06-30 | 26,941.704 | 149,900.298 | 30,693.862 | 138,043.204 | ||
| 2017-06-30 | 39,872 | 187,504 | 66,923 | 0 | 137,981 | |
| 2018-06-30 | 39,006 | 239,540 | 109,767 | 0 | 137,744 | |
| 2019-06-30 | 33,085 | 476,707 | 332,476 | 15,000 | 138,097 | |
| 2020-06-30 | 118,381 | 1,906,266 | 1,465,274 | 2,342 | 35,848 | 455,583 |
| 2021-06-30 | 141,228 | 2,288,778 | 1,873,883 | 3,111 | 36,860 | 456,157 |
| 2022-06-30 | 73,699 | 2,682,443 | 2,245,326 | 3,721 | 87,685 | 494,208 |
| 2023-06-30 | 71,362 | 2,994,529 | 2,819,976 | 24,951 | 68,792 | 494,208 |
All numbers are in thousands
| Date | Net Income | Total Cash | Change in Cash | Begin period cash | End period cash | Dividends |
|---|---|---|---|---|---|---|
| 1997-06-30 | 55,266 | 171,169 | 52,387 | 30,473 | ||
| 1998-06-30 | 40,046 | 180,757 | -15,031 | 31,885 | ||
| 1999-06-30 | 8,100 | -14,800 | -52,100 | 35,200 | ||
| 2000-06-30 | 52,900 | 169,500 | 17,800 | 39,700 | ||
| 2004-06-30 | ||||||
| 2005-06-30 | 2 | 179.399 | ||||
| 2006-06-30 | -146.717 | 2,219.542 | 179.399 | 2,398.941 | ||
| 2007-06-30 | -1,629.969 | 796.58 | 2,398.941 | 3,195.521 | ||
| 2008-06-30 | -890.554 | -2,006.566 | 3,195.521 | 1,188.955 | ||
| 2009-06-30 | -3,111.956 | -354.407 | 1,188.955 | 834.548 | ||
| 2010-06-30 | -385.622 | 919.136 | 834.548 | 1,753.684 | ||
| 2011-06-30 | -5,156.286 | 8,563.925 | 1,753.684 | 10,317.609 | ||
| 2012-06-30 | -10,027.335 | -8,028.137 | 10,317.609 | 2,289.472 | ||
| 2013-06-30 | -5,359.071 | -930.074 | 2,289.472 | 1,359.398 | ||
| 2014-06-30 | -5,412.358 | -3,187.022 | 3,136.498 | 1,359.398 | 4,495.896 | |
| 2015-06-30 | 2,857.378 | -352 | -232.224 | 4,495.896 | 4,263.672 | |
| 2016-06-30 | 87.522 | 1,977.64 | 22,678.032 | 4,263.672 | 26,941.704 | |
| 2017-06-30 | 9 | 19,255 | 12,930 | 26,942 | 39,872 | |
| 2018-06-30 | 2,208 | 6,372 | -866 | 39,872 | 39,006 | |
| 2019-06-30 | 8,450 | 29,162 | -5,921 | 39,006 | 33,085 | |
| 2020-06-30 | -5,854 | 22,070 | 85,296 | 33,085 | 118,381 | |
| 2021-06-30 | -28,695 | 48,818 | 22,847 | 118,381 | 141,228 | |
| 2022-06-30 | -4,801 | 25,143 | -67,529 | 141,228 | 73,699 | |
| 2023-06-30 | -284,824 | -2,643 | -2,337 | 73,699 | 71,362 |