Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

ASX/EPY stock hub

ASX/EPY has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

ASX/EPYis not in this month’s coverageGet our monthly research letter — no spam

Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

37M

Australian Securities Exchange

Market data

Live price

Current market quote for this ticker.

Current price

ASX/EPY

In the news

Latest news · ASX/EPY

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.1P50 12P75 16.3

Trailing P/E24.4

P25 8.4P50 16.6P75 24.9

ROE2.2

P25 1.1P50 7.7P75 15.5

ROIC5.4

P25 0.4P50 4.7P75 13.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All ASX/EPY market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

225

Groups with data

Currency

AUD

Showing 225 of 225 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Australia
Country code	AU
Employees	44
Enterprise value	AUD 246.5M
Exchange	Australian Securities Exchange
Financial currency	AUD
First seen	2026-05-10
Industry	Credit Services
Isin	AU0000119570
Last refreshed	2026-05-10
Market cap	AUD 37M
Price	AUD 0.15
Price currency	AUD
Rev Per Employee	1,151,272.73x
Sector	Financials
Sic	7361
Symbol	asx/EPY
Website	https://www.earlypay.com.au

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.18%
EV Earnings	159.25x
EV/EBIT	13.85x
EV/EBITDA	12.17x
EV/FCF	35.11x
EV/Sales	4.87x
FCF yield	18.97%
P/B ratio	0.53x
P/E ratio	24.43x
P/S ratio	0.73x
PE Ratio10 Y	28.64x
PE Ratio3 Y	27.65x
PE Ratio5 Y	36.32x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	35.15%
EBITDA Margin	38.77%
FCF margin	13.86%
Gross margin	70.88%
Gross Profit	AUD 35.9M
Gross Profit Growth	-1.83%
Gross Profit Growth Q	-3.5%
Gross Profit Growth3 Y	-4.03%
Gross Profit Growth5 Y	-4.89%
Net Income	AUD 1.5M
Net Income Growth	-1.96%
Net Income Growth Years	2%
Net Income Growth3 Y	-10.92%
Pretax Margin	3.58%
Profit Margin	3.06%
Profit Per Employee	AUD 35,182
Profitable Years	2
ROA	3.51
Roa5y	3.55
ROCE	25.12
ROE	2.17
Roe5y	5.56
ROIC	5.43
Roic5y	5.78

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	2.41%
Cagr15y	7.51%
Cagr1y	-28.02%
Cagr3y	-14.91%
Cagr5y	-16.47%
Div CAGR10	-3.26%
Div CAGR3	-37.27%
Div CAGR5	-14.71%
EPS Growth	8.65
EPS Growth Years	2
EPS Growth3 Y	-6.86
FCF Growth	-43.84%
FCF Growth Q	-43.07%
FCF Growth3 Y	-8.44%
FCF Growth5 Y	-5.19%
OCF Growth	-43.45%
OCF Growth Q	-42.72%
OCF Growth10 Y	8.05%
OCF Growth3 Y	-8.9%
OCF Growth5 Y	-5.19%
Revenue Growth	-4.92x
Revenue Growth Q	-1.02x
Revenue Growth Years	0x
Revenue Growth3 Y	-2.44x
Revenue Growth5 Y	-3.51x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	AUD 0.16
Assets	AUD 319.7M
Cash	AUD 35.9M
Current Assets	AUD 189.4M
Current Liabilities	AUD 248.8M
Debt	AUD 245.4M
Debt EBITDA	AUD 12.12
Debt Equity	AUD 3.5
Debt FCF	AUD 34.95
Equity	AUD 70.1M
Interest Coverage	1.11
Liabilities	AUD 249.6M
Long Term Assets	AUD 130.2M
Long Term Liabilities	AUD 786,000
Net Cash	AUD -209.5M
Net Cash By Market Cap	AUD -566
Net Debt EBITDA	AUD 10.67
Net Debt Equity	AUD 2.99
Net Debt FCF	AUD 29.84
Tangible Book Value	AUD 41.2M
Tangible Book Value Per Share	AUD 0.16
WACC	5.53

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.76
Net Working Capital	AUD 149.6M
Quick ratio	0.75
Working Capital	AUD -59.4M
Working Capital Turnover	AUD 9.92

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	10.08%
Dividend Growth	426.67%
Dividend Growth Years	1%
Dividend per share	AUD 0.01
Dividend Years	2
Dividend Yield	5.27%
Last Dividend	AUD 0.01
Payout Ratio	138.89%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	26.84%
1Y total return	-28%
200-day SMA	0.19
3Y total return	-38.41%
50-day SMA	0.16
50-day SMA vs 200-day SMA	50under200
5Y total return	-59.33%
All Time High	0.67
All Time High Change	-77.61%
All Time High Date	2018-07-09
All Time Low	0.09
All Time Low Change	66.67%
All Time Low Date	2011-07-14
ATR	0
Beta	0.21
Beta1y	0.05
Beta2y	0.48
Ch YTD	-21.05
High	0.15
High52	0.23
High52 Date	2025-05-14
High52ch	-34.78%
Low	0.15
Low52	0.15
Low52 Date	2026-05-05
Low52ch	0%
Ma50ch	-7.06%
Price vs 200-day SMA	-22.2%
RSI	36.3
RSI Monthly	34.63
RSI Weekly	26.92
Sharpe ratio	-0.82x
Sortino ratio	-0.93
Total Return	15.34%
Tr YTD	-21.05
Tr15y	196.4%
Tr1m	-3.23%
Tr3m	-14.29%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	AUD 17.8M
Operating Income Growth	-15.75
Operating Income Growth Q	-28.95
Operating Income Growth3 Y	-7.87
Operating Income Growth5 Y	11.6
Operating margin	35.15

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	150,799,837%
Net Borrowing	8,646,000
Shares Insiders	8.56%
Shares Institutions	35.7%
Shares Out	246,740,278
Shares Qo Q	-15.68%
Shares Yo Y	-10.08%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	AUD 7M
Average Volume	307,507.4x
Bv Per Share	0.27
CAPEX	AUD -33,000
Ch10y	-14.29
Ch15y	42.86
Ch1m	-3.23
Ch1y	-30.23
Ch3m	-14.29
Ch3y	-41.18
Ch5y	-64.71
Ch6m	-28.57
Change	0%
Change From Open	0
Close	0.15
Days Gap	0
Depreciation Amortization	1,837,000
Dollar Volume	35,303.3
Earnings Date	2026-05-26
EBIT	AUD 17.8M
EBITDA	AUD 19.6M
EPS	AUD 0.01
F Score	4
FCF	AUD 7M
FCF EV Yield	2.85x
FCF Per Share	AUD 0.03
Financing CF	4,208,000
Fiscal Year End	June
Founded	2,001
Graham Number	0.19262
Graham Upside	28.41
Income Tax	AUD 268,000
Investing CF	-7,797,000
Is Primary Listing	1
Last Earnings Date	2026-02-19
Last Report Date	2025-12-31
Lynch Fair Value	AUD 0.03
Lynch Upside	-79.53
Ma150	0.19
Ma150ch	-20.93%
Ma20	0.15
Ma20ch	-2.72%
Net CF	3,466,000
Next Earnings Date	2026-05-26
Open	0.15
P FCF Ratio	5.27
P OCF Ratio	5.25
Payment Date	2025-09-26
Ppne	1,120,000
Price Date	2026-05-05
Price EBITDA	AUD 1.88
Ptbv Ratio	0.9
Relative Volume	0.77x
Revenue	50,656,000x
Tax By Revenue	0.53x
Tax Rate	14.76%
Tr6m	-28.57%
Volume	235,355
Z Score	0.26

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

ASX/EPY dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.3%

$0.01 annual per share

Payout ratio

+138.9%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-14.7%

1 consecutive years of growth

Total shareholder yield

+15.3%

Dividend yield + buyback yield combined

Performance

ASX/EPY stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns ASX/EPY?

Insider, institutional, and short-interest positioning.

Institutional ownership

+35.7%

Share of float held by funds and institutions

Insider ownership

+8.6%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-10.1%

Negative means the company is buying back shares.

Technical

ASX/EPY momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

36.3

Neutral momentum band

Price vs 200-day MA

-22.2%

50/200-day relationship not available

Beta (5Y)

0.21

Less volatile than the market

Sharpe ratio

-0.82

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About ASX/EPY

Hub-level FAQ points readers to the deeper analysis pages.

What is the current asx/EPY stock rating?

asx/EPY is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full asx/EPY analysis?

The full report lives at /stocks/asx/EPY/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for asx/EPY?

The latest report frames asx/EPY around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the asx/EPY page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.