EML Payments Ltd (A8Y1) - Net Assets
Based on the latest financial reports, EML Payments Ltd (A8Y1) has net assets worth €146.44 Million EUR (≈ $171.21 Million USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€2.68 Billion ≈ $3.14 Billion USD) and total liabilities (€2.54 Billion ≈ $2.96 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of EML Payments Ltd to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €146.44 Million |
| % of Total Assets | 5.46% |
| Annual Growth Rate | 21.82% |
| 5-Year Change | -64.7% |
| 10-Year Change | 22.85% |
| Growth Volatility | 88.78 |
EML Payments Ltd - Net Assets Trend (2014–2025)
This chart illustrates how EML Payments Ltd's net assets have evolved over time, based on quarterly financial data. Also explore EML Payments Ltd assets under control for the complete picture of this company's asset base.
Annual Net Assets for EML Payments Ltd (2014–2025)
The table below shows the annual net assets of EML Payments Ltd from 2014 to 2025. For live valuation and market cap data, see market value of EML Payments Ltd.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | €146.44 Million ≈ $171.21 Million |
-7.91% |
| 2024-06-30 | €159.02 Million ≈ $185.91 Million |
-8.90% |
| 2023-06-30 | €174.55 Million ≈ $204.07 Million |
-60.07% |
| 2022-06-30 | €437.12 Million ≈ $511.04 Million |
+5.36% |
| 2021-06-30 | €414.89 Million ≈ $485.06 Million |
-5.92% |
| 2020-06-30 | €440.99 Million ≈ $515.57 Million |
+205.75% |
| 2019-06-30 | €144.23 Million ≈ $168.62 Million |
+11.14% |
| 2018-06-30 | €129.77 Million ≈ $151.72 Million |
+7.62% |
| 2017-06-30 | €120.58 Million ≈ $140.97 Million |
+1.15% |
| 2016-06-30 | €119.21 Million ≈ $139.36 Million |
+126.70% |
| 2015-06-30 | €52.58 Million ≈ $61.48 Million |
+214.75% |
| 2014-06-30 | €16.71 Million ≈ $19.53 Million |
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Equity Component Analysis
This analysis shows how different components contribute to EML Payments Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 38725369500.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €565.92 Million | 386.45% |
| Total Equity | €146.44 Million | 100.00% |
EML Payments Ltd Competitors by Market Cap
The table below lists competitors of EML Payments Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Victek Co. Ltd
KQ:065450
|
$112.62 Million |
|
Tamil Nadu Newsprint & Papers Limited
NSE:TNPL
|
$112.62 Million |
|
Western Forest Products Inc
TO:WEF
|
$112.66 Million |
|
PYRUM INNOV.AG NA O.N.
F:PYR
|
$112.66 Million |
|
General de Alquiler de Maquinaria SA
MC:GAM
|
$112.58 Million |
|
MIC Electronics Limited
NSE:MICEL
|
$112.52 Million |
|
PS Tec. Co. Ltd
KQ:002230
|
$112.51 Million |
|
Brouwerij Handelsmaatschappij NV
BR:COBH
|
$112.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in EML Payments Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 159,022,000 to 146,442,000, a change of -12,580,000 (-7.9%).
- Net loss of 53,387,000 reduced equity.
- Other factors increased equity by 40,807,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-53.39 Million | -36.46% |
| Other Changes | €40.81 Million | +27.87% |
| Total Change | €- | -7.91% |
Book Value vs Market Value Analysis
This analysis compares EML Payments Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.65x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.51x to 0.65x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-06-30 | €0.48 | €0.25 | x |
| 2018-06-30 | €0.52 | €0.25 | x |
| 2019-06-30 | €0.57 | €0.25 | x |
| 2020-06-30 | €1.23 | €0.25 | x |
| 2021-06-30 | €1.15 | €0.25 | x |
| 2022-06-30 | €1.17 | €0.25 | x |
| 2023-06-30 | €0.47 | €0.25 | x |
| 2024-06-30 | €0.42 | €0.25 | x |
| 2025-06-30 | €0.38 | €0.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently EML Payments Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -36.46%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -33.80%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 18.32x
- Recent ROE (-36.46%) is below the historical average (-20.41%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | -32.40% | -104.40% | 0.28x | 1.11x | €-7.08 Million |
| 2015 | 5.43% | 19.79% | 0.22x | 1.23x | €-2.40 Million |
| 2016 | 0.07% | 0.39% | 0.15x | 1.26x | €-11.83 Million |
| 2017 | 0.01% | 0.02% | 0.30x | 1.56x | €-12.05 Million |
| 2018 | 1.70% | 3.23% | 0.29x | 1.85x | €-10.77 Million |
| 2019 | 5.86% | 8.95% | 0.20x | 3.31x | €-5.97 Million |
| 2020 | -1.33% | -4.99% | 0.06x | 4.32x | €-49.95 Million |
| 2021 | -6.92% | -15.33% | 0.08x | 5.52x | €-70.18 Million |
| 2022 | -1.10% | -2.14% | 0.08x | 6.14x | €-48.51 Million |
| 2023 | -163.17% | -128.48% | 0.07x | 17.16x | €-302.28 Million |
| 2024 | -16.65% | -15.81% | 0.07x | 15.62x | €-42.39 Million |
| 2025 | -36.46% | -33.80% | 0.06x | 18.32x | €-68.03 Million |
Industry Comparison
This section compares EML Payments Ltd's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $2,083,891,043
- Average return on equity (ROE) among peers: -15.28%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| EML Payments Ltd (A8Y1) | €146.44 Million | -32.40% | 17.32x | $112.62 Million |
| StoneCo Ltd (0Q0) | $13.59 Billion | -10.00% | 2.09x | $2.65 Billion |
| Endava plc (2Y5) | $582.94 Million | 3.64% | 0.61x | $161.21 Million |
| NOWVERTICAL GROUP INC. (5XQ) | $10.76 Million | -128.78% | 0.96x | $11.72 Million |
| ADVENICA AB (65R) | $93.73 Million | -4.39% | 0.96x | $58.07 Million |
| OVH GROUPE UNSP.ADR/1/2 (7U70) | $468.35 Million | -6.10% | 2.08x | $1.16 Billion |
| COGNYTE SOFTWARE LTD (81M) | $214.73 Million | -7.25% | 1.20x | $566.87 Million |
| DETALION GAMES SA ZY -10 (9XJ) | $1.33 Million | -21.59% | 0.16x | $655.84K |
| Amdocs Limited (AOS) | $3.67 Billion | 13.58% | 0.73x | $6.03 Billion |
| BOKU INC. REG S DL-0001 (B04) | $123.58 Million | 23.39% | 1.35x | $597.76 Million |
About EML Payments Ltd
EML Payments Limited provides payment solutions platform in Australia, Europe, and North America. It offers reloadable and non-reloadable prepaid payment solutions; prepaid payment solutions services; and undertakes provision of prepaid payment services predominantly with single load card solutions. The company also provides credit payments, open banking, digital account payments solutions. The c… Read more