About EML Payments Limited (EML)
EML Payments Limited is a Software - Infrastructure company operating in the Technology sector. The company is headquartered in Melbourne, Australia. EML has been publicly traded since 2006, giving it 20+ years of trading history.
EML Payments Limited (EML) has been publicly traded since 2006, making it a 20-year-old public company. It operates in the Software - Infrastructure industry within the Technology sector. The company is headquartered in Melbourne, Australia. With a market capitalization of A$249 million, EML is a micro-cap company.
EML trades on the Australian Securities Exchange and is classified as a micro-cap-cap stock with a market capitalization of approximately A$249 million.
Key Statistics
- Current Price
- A$0.64
- Market Cap
- A$248.65M
- 52-Week High
- A$1.20
- 52-Week Low
- A$0.58
- Sector
- Technology
- Industry
- Software - Infrastructure
EML Investment Performance
EML has declined 30.8% year-to-date in 2026. Over the past 5 years, a A$1,000 investment in EML would have grown to A$131, representing a -86.9% total return. Since its IPO in 2006, a A$1,000 investment would now be worth A$488.
A$1,000 Invested in EML Payments Limited (EML)
How much would A$1,000 invested in EML be worth today?
What would A$1,000 invested in EML 1 year ago be worth today?
A A$1,000 investment in EML Payments Limited (EML) in 2025 would be worth A$663 as of March 2026, representing a -33.7% total return.
What would A$1,000 invested in EML 3 years ago be worth today?
A A$1,000 investment in EML Payments Limited (EML) in 2023 would be worth A$1,163 as of March 2026, representing a +16.3% total return.
What would A$1,000 invested in EML 5 years ago be worth today?
A A$1,000 investment in EML Payments Limited (EML) in 2021 would be worth A$131 as of March 2026, representing a -86.9% total return.
What would A$1,000 invested in EML 10 years ago be worth today?
A A$1,000 investment in EML Payments Limited (EML) in 2016 would be worth A$459 as of March 2026, representing a -54.1% total return.
What would A$1,000 invested in EML at IPO be worth today?
A A$1,000 investment in EML Payments Limited (EML) at IPO would be worth A$488 as of March 2026, representing a -51.2% total return.
Monthly Returns Heatmap
Over the past 20+ years (242 months), EML Payments Limited (EML) has averaged a monthly return of +2.19% with a median return of -0.66%. The stock had 111 positive months (46%) and 123 negative months (51%). The best month in EML's history was October 2010 with a +182.3% return, while the worst was November 2008 at -67.3%. Historically, October tends to be the strongest month (averaging +12.6%), and June the weakest (-7.2%).
EML's longest winning streak was 8 consecutive months of gains, while its longest losing streak was 8 consecutive months of losses. The best full year was 2010 with a cumulative return of +247.6%, and the worst was 2011 at -118.5%.
Annual Returns
Over 20 years of trading history, EML Payments Limited (EML) has delivered an average annual return of +38.08% with a median return of -2.87%. The compound annual growth rate (CAGR) is +0.67%. The stock posted gains in 10 years (50%) and losses in 10 years (50%).
EML's best year was 2010 with a +287.26% gain, while the worst was 2022 at -80.50%. The longest streak of consecutive positive years was 3, and the longest losing streak was 3 years. EML achieved double-digit gains (10%+) in 8 years. It suffered double-digit losses in 8 years.
| Year | Return | Start | End |
|---|---|---|---|
| 2026 | -30.81% | A$0.93 | A$0.64 |
| 2025 | +10.78% | A$0.83 | A$0.93 |
| 2024 | +5.70% | A$0.79 | A$0.83 |
| 2023 | +25.40% | A$0.63 | A$0.79 |
| 2022 | -80.50% | A$3.23 | A$0.63 |
| 2021 | -22.73% | A$4.18 | A$3.23 |
| 2020 | -7.93% | A$4.54 | A$4.18 |
| 2019 | +208.46% | A$1.47 | A$4.54 |
| 2018 | -20.32% | A$1.85 | A$1.47 |
| 2017 | +2.19% | A$1.81 | A$1.85 |
| 2016 | +74.29% | A$1.04 | A$1.81 |
| 2015 | +84.21% | A$0.56 | A$1.04 |
| 2014 | -8.80% | A$0.62 | A$0.56 |
| 2013 | +212.50% | A$0.20 | A$0.62 |
| 2012 | -41.69% | A$0.34 | A$0.20 |
| 2011 | -73.58% | A$1.28 | A$0.34 |
| 2010 | +287.26% | A$0.33 | A$1.28 |
| 2009 | +233.33% | A$0.10 | A$0.33 |
| 2008 | -78.26% | A$0.46 | A$0.10 |
| 2007 | -17.86% | A$0.56 | A$0.46 |
EML Investment Analysis: Valuation, Risk & Dividends
Key factors to consider when evaluating EML Payments Limited as an investment
Valuation
The forward P/E ratio is 9.9. The price-to-book ratio stands at 1.7. The price-to-sales ratio is 1.1.
Dividends
EML Payments Limited does not currently pay a dividend, choosing to reinvest earnings back into the business for growth.
Risk & Volatility
EML has a beta of 0.65, indicating it is less volatile than the overall market. The stock's 52-week range is A$0.58 to A$1.20, and it currently trades near its 52-week low.
Analyst Ratings
Based on 4 analyst opinions, EML has a consensus "strong_buy" rating. The average price target of A$1.30 suggests 103.1% upside from current levels.
Frequently Asked Questions: EML
What sector is EML in? ▼
EML operates in the Technology sector, specifically in the Software - Infrastructure industry. This sector includes companies involved in software, hardware, semiconductors, and IT services.
How has EML performed historically? ▼
Over 20 years of trading history, EML has posted gains in 10 years (50% of the time). The best year was 2010 with a +287.3% return. Past performance does not guarantee future results.
How can I invest in EML? ▼
You can invest in EML through any brokerage account that offers access to the Australian Securities Exchange. Popular options include commission-free brokers like Fidelity, Charles Schwab, or Robinhood (US), or international brokers like Interactive Brokers. You can buy individual shares or invest through ETFs that hold EML.
Does EML pay dividends? ▼
EML Payments Limited does not currently pay a dividend, choosing to reinvest earnings back into the business for growth.
What does EML Payments Limited do? ▼
EML Payments Limited is a Software - Infrastructure company operating in the Technology sector. The company is headquartered in Melbourne, Australia.
What sector is EML in? ▼
EML operates in the Technology sector, specifically in the Software - Infrastructure industry.
When did EML go public? ▼
EML Payments Limited went public in 2006, making it a 20-year-old public company as of 2026.
How much would A$1,000 invested in EML 5 years ago be worth today? ▼
A A$1,000 investment in EML five years ago would be worth approximately A$131 today, representing a -86.9% return.
How much would A$1,000 invested in EML 10 years ago be worth today? ▼
A A$1,000 investment in EML ten years ago would be worth approximately A$459 today, representing a -54.1% total return over the decade.
What is EML's 3-year return? ▼
Over the past 3 years, EML has returned 16.3%. A A$1,000 investment would have grown to A$1,163.
How much would A$1,000 invested in EML at IPO be worth today? ▼
If you invested A$1,000 in EML at its IPO in 2006, it would be worth approximately A$488 today, a -51.2% return over 20 years.
Does EML pay dividends? ▼
No, EML Payments Limited does not currently pay a dividend. The company reinvests its earnings into growth.
What is EML's market cap? ▼
EML Payments Limited has a market capitalization of A$249 million, classifying it as a micro-cap company.
Is EML a buy, hold, or sell? ▼
Based on 4 opinions, EML has a consensus "strong_buy" rating. The average price target is A$1.3.
Last updated: 3/15/2026