EMCHF

EML Payments Limited

OTC Markets OTCPKUSDEQUITY DELAYED

0.20

■ 0.00 (0.00%)

MARKET · —

Price

Open

—

Prev close

0.20

Day high

0.60

Day low

0.60

Volume

6.00K

Market cap

—

P/E (TTM)

—

52W range

0.20 – 0.67

Options chain

Account required

ExpirySpot 0.20

Calls

Strike	Last	Bid	Ask	Vol	OI	IV
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%

Puts

Strike	Last	Bid	Ask	Vol	OI	IV
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%
000.00	0.00	0.00	0.00	0	0	0.0%

Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

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Trailing performance

Price return · vs SPY

Returnvs SPY

0.00% +1.4%

-6.26% -10.0%

-59.44% -62.5%

-66.80% -77.9%

YTD

-66.24% -78.5%

-70.29% -90.3%

-61.85% -136.0%

— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Fundamentals

TTM · reported

Market cap—

Enterprise value—

Revenue (TTM)—

Gross profit—

EBITDA—

Net income—

EPS (TTM)—

Free cash flow—

Total cash—

Total debt—

Book value / share—

Shares outstanding—

Float—

Short % of float—

Dividend yield—

Beta (5Y)—

Valuation & profitability ratios

Account required

Trailing P/E—

Forward P/E—

PEG ratio—

Price / sales—

Price / book—

EV / revenue—

EV / EBITDA—

Gross margin—

Operating margin—

Profit margin—

Return on equity—

Return on assets—

Debt / equity—

Current ratio—

Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

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Financial statements

As reported · 5 years · 1 quarters

Blank means not reported, not zero

Line item	2026	2025	2024	2023	YoY
Total revenue	$150.30M	$157.94M	$167.53M	$221.69M	-4.8%
Operating revenue	$150.30M	$157.94M	$167.53M	$221.69M	-4.8%
Cost of revenue	$56.66M	$55.12M	$51.43M	$89.10M	+2.8%
Gross profit	$93.63M	$102.82M	$116.10M	$132.59M	-8.9%
Selling, general & admin	$88.86M	$91.99M	$87.54M	$83.51M	-3.4%
Total operating expense	$161.69M	$210.79M	$171.78M	$205.86M	-23.3%
Operating income	-$68.06M	-$107.97M	-$55.68M	-$73.27M	+37.0%
Net interest income	$49.38M	$57.77M	$44.62M	$28.92M	-14.5%
Pre-tax income	-$17.99M	-$41.91M	$2.43M	-$281.76M	+57.1%
Tax provision	$1.68M	$11.04M	$12.04M	$3.07M	-84.8%
Net income	-$19.67M	-$53.39M	-$26.48M	-$284.82M	+63.2%
Net income to common	-$19.67M	-$53.39M	-$26.48M	-$284.82M	+63.2%
Basic EPS	-0.05	-0.14	-0.07	-0.76	+63.9%
Diluted EPS	-0.05	-0.14	-0.07	-0.76	+63.9%
EBIT	-$10.78M	-$35.82M	$7.63M	-$278.18M	+69.9%
EBITDA	$2.36M	-$20.59M	$32.49M	-$243.10M	+111.5%
Basic shares	387.06M	379.51M	374.64M	373.89M	+2.0%
Diluted shares	387.06M	379.51M	374.64M	373.89M	+2.0%

Line item

2026

2025

2024

2023

YoY

Total revenue

$150.30M

$157.94M

$167.53M

$221.69M

-4.8%

Operating revenue

$150.30M

$157.94M

$167.53M

$221.69M

-4.8%

Cost of revenue

$56.66M

$55.12M

$51.43M

$89.10M

+2.8%

Gross profit

$93.63M

$102.82M

$116.10M

$132.59M

-8.9%

Selling, general & admin

$88.86M

$91.99M

$87.54M

$83.51M

-3.4%

Total operating expense

$161.69M

$210.79M

$171.78M

$205.86M

-23.3%

Operating income

-$68.06M

-$107.97M

-$55.68M

-$73.27M

+37.0%

Net interest income

$49.38M

$57.77M

$44.62M

$28.92M

-14.5%

Pre-tax income

-$17.99M

-$41.91M

$2.43M

-$281.76M

+57.1%

Tax provision

$1.68M

$11.04M

$12.04M

$3.07M

-84.8%

Net income

-$19.67M

-$53.39M

-$26.48M

-$284.82M

+63.2%

Net income to common

-$19.67M

-$53.39M

-$26.48M

-$284.82M

+63.2%

Basic EPS

-0.05

-0.14

-0.07

-0.76

+63.9%

Diluted EPS

-0.05

-0.14

-0.07

-0.76

+63.9%

EBIT

-$10.78M

-$35.82M

$7.63M

-$278.18M

+69.9%

EBITDA

$2.36M

-$20.59M

$32.49M

-$243.10M

+111.5%

Basic shares

387.06M

379.51M

374.64M

373.89M

+2.0%

Diluted shares

387.06M

379.51M

374.64M

373.89M

+2.0%

Line item	2026	2025	2024	2023	2022	YoY
Cash & equivalents	$37.75M	$59.32M	$43.06M	$71.36M	—	-36.4%
Cash & short-term investments	$1.76B	$1.93B	$1.77B	$2.33B	—	-8.4%
Accounts receivable	$20.97M	$36.12M	$33.96M	$42.45M	—	-41.9%
Total current assets	$1.82B	$1.99B	$3.56B	$2.41B	—	-8.6%
Property, plant & equipment	$6.57M	$6.09M	$8.18M	$10.57M	—	+7.8%
Goodwill & intangibles	$107.73M	$113.55M	$163.46M	$192.47M	—	-5.1%
Total assets	$2.49B	$2.68B	$4.21B	$2.99B	—	-7.2%
Total current liabilities	$2.27B	$2.49B	$2.30B	$2.71B	—	-9.1%
Current debt	$2.27M	$21.96M	$85.82M	$22.97M	—	-89.7%
Long-term debt	$82.34M	$28.40M	—	$68.79M	$81.62M	+189.9%
Total debt	$89.34M	$54.08M	$90.64M	$98.49M	—	+65.2%
Total liabilities	$2.36B	$2.54B	$2.32B	$2.82B	—	-7.0%
Retained earnings	-$439.15M	-$419.48M	-$366.09M	-$339.61M	—	-4.7%
Shareholder equity	$130.09M	$146.44M	$159.02M	$174.55M	—	-11.2%
Working capital	-$447.14M	-$502.73M	$1.26B	-$296.65M	—	+11.1%
Net tangible assets	$22.37M	$32.89M	-$4.44M	-$17.91M	—	-32.0%
Shares issued	388.66M	382.10M	375.16M	373.98M	—	+1.7%

Line item

2026

2025

2024

2023

2022

YoY

Cash & equivalents

$37.75M

$59.32M

$43.06M

$71.36M

—

-36.4%

Cash & short-term investments

$1.76B

$1.93B

$1.77B

$2.33B

—

-8.4%

Accounts receivable

$20.97M

$36.12M

$33.96M

$42.45M

—

-41.9%

Total current assets

$1.82B

$1.99B

$3.56B

$2.41B

—

-8.6%

Property, plant & equipment

$6.57M

$6.09M

$8.18M

$10.57M

—

+7.8%

Goodwill & intangibles

$107.73M

$113.55M

$163.46M

$192.47M

—

-5.1%

Total assets

$2.49B

$2.68B

$4.21B

$2.99B

—

-7.2%

Total current liabilities

$2.27B

$2.49B

$2.30B

$2.71B

—

-9.1%

Current debt

$2.27M

$21.96M

$85.82M

$22.97M

—

-89.7%

Long-term debt

$82.34M

$28.40M

—

$68.79M

$81.62M

+189.9%

Total debt

$89.34M

$54.08M

$90.64M

$98.49M

—

+65.2%

Total liabilities

$2.36B

$2.54B

$2.32B

$2.82B

—

-7.0%

Retained earnings

-$439.15M

-$419.48M

-$366.09M

-$339.61M

—

-4.7%

Shareholder equity

$130.09M

$146.44M

$159.02M

$174.55M

—

-11.2%

Working capital

-$447.14M

-$502.73M

$1.26B

-$296.65M

—

+11.1%

Net tangible assets

$22.37M

$32.89M

-$4.44M

-$17.91M

—

-32.0%

Shares issued

388.66M

382.10M

375.16M

373.98M

—

+1.7%

Line item	2026	2025	2024	2023	YoY
Capital expenditure	-$12.87M	-$5.96M	-$9.23M	-$11.74M	-116.0%
Investing cash flow	-$24.12M	$39.24M	-$34.18M	-$877.00K	-161.5%
Financing cash flow	$32.16M	-$43.29M	-$7.97M	-$2.17M	+174.3%
Free cash flow	-$39.37M	$10.79M	$4.84M	-$14.39M	-464.9%
End cash position	$37.75M	$59.32M	$43.06M	$71.36M	-36.4%

Line item

2026

2025

2024

2023

YoY

Capital expenditure

-$12.87M

-$5.96M

-$9.23M

-$11.74M

-116.0%

Investing cash flow

-$24.12M

$39.24M

-$34.18M

-$877.00K

-161.5%

Financing cash flow

$32.16M

-$43.29M

-$7.97M

-$2.17M

+174.3%

Free cash flow

-$39.37M

$10.79M

$4.84M

-$14.39M

-464.9%

End cash position

$37.75M

$59.32M

$43.06M

$71.36M

-36.4%

Line item	2025-06-30	YoY
Cash & equivalents	$59.32M
Cash & short-term investments	$1.93B
Accounts receivable	$36.12M
Total current assets	$1.99B
Property, plant & equipment	$6.09M
Goodwill & intangibles	$113.55M
Total assets	$2.68B
Total current liabilities	$2.49B
Current debt	$21.96M
Long-term debt	$28.40M
Total debt	$54.08M
Total liabilities	$2.54B
Retained earnings	-$419.48M
Shareholder equity	$146.44M
Working capital	-$502.73M
Net tangible assets	$32.89M
Shares issued	382.10M

Line item

2025-06-30

YoY

Cash & equivalents

$59.32M

Cash & short-term investments

$1.93B

Accounts receivable

$36.12M

Total current assets

$1.99B

Property, plant & equipment

$6.09M

Goodwill & intangibles

$113.55M

Total assets

$2.68B

Total current liabilities

$2.49B

Current debt

$21.96M

Long-term debt

$28.40M

Total debt

$54.08M

Total liabilities

$2.54B

Retained earnings

-$419.48M

Shareholder equity

$146.44M

Working capital

-$502.73M

Net tangible assets

$32.89M

Shares issued

382.10M

Analyst targets & ownership

Account required

Mean target—

High target—

Low target—

Implied upside—

Analyst count—

Consensus—

Strong buy / Buy— / —

Hold—

Sell / Strong sell— / —

Held by insiders—

Held by institutions—

Institutions holding—

Free account required

Price targets, consensus spread, insider and institutional ownership.

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Moving averages & technicals

Computed from 2Y daily closes

SMA 10

0.20

-0.00% from price

SMA 20

0.20

-1.96% from price

SMA 50

0.31

-36.69% from price

SMA 100

0.40

-50.56% from price

SMA 200

0.49

-58.94% from price

EMA 12

0.20

-1.41% from price

EMA 26

0.23

-13.16% from price

EMA 50

0.29

-30.87% from price

RSI (14)

0.0

Oversold

MACD (12,26,9)

-0.03

Hist 0.01

ATR (14)

0.00

0.48% of price

Realised vol 30D

18.4%

Annualised

Bollinger upper

0.22

20, 2σ

Bollinger lower

0.19

20, 2σ

50 / 200 cross

Death

0.31 vs 0.49

Trend bias

Below 200

-58.94%

Risk profile

Daily returns · 1Y window

Beta vs SPY

-0.25

Less volatile than market

Correlation to SPY

-0.05

Largely independent

Realised vol 30D

18.4%

Annualised

Market vol 1Y

12.9%

SPY, annualised

Max drawdown 1Y

-70.3%

Peak to trough

Max drawdown 5Y

-93.1%

Peak to trough

ATR 14

0.00

0.48% of price

Beta (reported)

—

5Y monthly, from filing

Headlines

EMCHF · links out to the publisher

EML Payments Ltd (EMCHF) (FY 2026) Earnings Call Highlights: Restructuring Gains Traction, but ... GuruFocus.com · 5d ago

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