Earlypay Ltd (EPY) - Total Assets
Based on the latest financial reports, Earlypay Ltd (EPY) holds total assets worth AU$319.67 Million AUD (≈ $226.19 Million USD) as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Earlypay Ltd - Total Assets Trend (2009–2025)
This chart illustrates how Earlypay Ltd's total assets have evolved over time, based on quarterly financial data. Also see EPY market cap overview for the company's overall valuation and market capitalisation.
Earlypay Ltd - Asset Composition Analysis
Current Asset Composition (June 2025)
Earlypay Ltd's total assets of AU$319.67 Million consist of 62.4% current assets and 37.6% non-current assets. Review EPY total liabilities to assess the company's total debt and financial obligations.
| Asset Category | Amount (AUD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 11.9% |
| Accounts Receivable | AU$156.07 Million | 49.6% |
| Inventory | AU$0.00 | 0.0% |
| Property, Plant & Equipment | AU$1.44 Million | 0.5% |
| Intangible Assets | AU$2.33 Million | 0.7% |
| Goodwill | AU$27.77 Million | 8.8% |
Asset Composition Trend (2009–2025)
This chart illustrates how Earlypay Ltd's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. See current stock price of Earlypay Ltd for real-time trading data and today's change.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Earlypay Ltd's current assets represent 62.4% of total assets in 2025, a decrease from 65.7% in 2009.
- Cash Position: Cash and equivalents constituted 11.9% of total assets in 2025, down from 22.4% in 2009.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 8.0% of total assets, a decrease from 28.0% in 2009.
- Asset Diversification: The largest asset category is accounts receivable at 49.6% of total assets.
Earlypay Ltd Competitors by Total Assets
Key competitors of Earlypay Ltd based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Indian Railway Finance Corporation Limited
NSE:IRFC
|
India | Rs4.98 Trillion |
|
OppFi Inc
NYSE:OPFI
|
USA | $719.99 Million |
|
Pepper Money Ltd
AU:PPM
|
Australia | AU$18.40 Billion |
|
CREDIT CORP. GROUP LTD.
F:2RC
|
Germany | €1.40 Billion |
|
Nawi Brothers Group Ltd
TA:NAWI
|
Israel | ILA4.87 Billion |
|
Plenti Group Ltd
AU:PLT
|
Australia | AU$3.21 Billion |
|
Clipan Finance Indonesia Tbk
JK:CFIN
|
Indonesia | Rp9.75 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €15.45 Billion |
Earlypay Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.76 | 1.50 | 1.31 |
| Quick Ratio | 0.76 | 1.50 | 1.31 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | AU$-59.36 Million | AU$69.57 Million | AU$56.35 Million |
Earlypay Ltd - Advanced Valuation Insights
This section examines the relationship between Earlypay Ltd's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.42 |
| Latest Market Cap to Assets Ratio | 0.08 |
| Asset Growth Rate (YoY) | 0.2% |
| Total Assets | AU$314.61 Million |
| Market Capitalization | $25.28 Million USD |
Valuation Analysis
Below Book Valuation: The market values Earlypay Ltd's assets below their book value (0.08x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Earlypay Ltd's assets grew by 0.2% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Earlypay Ltd (2009–2025)
The table below shows the annual total assets of Earlypay Ltd from 2009 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-06-30 | AU$314.61 Million ≈ $222.61 Million |
+0.18% |
| 2024-06-30 | AU$314.04 Million ≈ $222.20 Million |
-12.84% |
| 2023-06-30 | AU$360.30 Million ≈ $254.93 Million |
-26.89% |
| 2022-06-30 | AU$492.83 Million ≈ $348.71 Million |
+30.92% |
| 2021-06-30 | AU$376.43 Million ≈ $266.35 Million |
+12.04% |
| 2020-06-30 | AU$335.98 Million ≈ $237.73 Million |
+33.78% |
| 2019-06-30 | AU$251.15 Million ≈ $177.70 Million |
-3.63% |
| 2018-06-30 | AU$260.61 Million ≈ $184.40 Million |
+61.40% |
| 2017-06-30 | AU$161.46 Million ≈ $114.25 Million |
+3.16% |
| 2016-06-30 | AU$156.52 Million ≈ $110.75 Million |
+135.77% |
| 2015-06-30 | AU$66.39 Million ≈ $46.97 Million |
+106.50% |
| 2014-06-30 | AU$32.15 Million ≈ $22.75 Million |
+85.96% |
| 2013-06-30 | AU$17.29 Million ≈ $12.23 Million |
+14.90% |
| 2012-06-30 | AU$15.05 Million ≈ $10.65 Million |
+102.69% |
| 2011-06-30 | AU$7.42 Million ≈ $5.25 Million |
+4.29% |
| 2010-06-30 | AU$7.12 Million ≈ $5.04 Million |
+1.30% |
| 2009-06-30 | AU$7.03 Million ≈ $4.97 Million |
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About Earlypay Ltd
Earlypay Limited engages in the provision of financial solutions to businesses in Australia. It offers invoice finance, such as debtor and trade finance; invoice factoring and discounting, and clean energy finance services, as well as business line of credit. The company also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, pr… Read more