ASX/EPY (ASX/EPY)

Australian Securities Exchange: ASX/EPY · AUD

A$0.14

-0.01 (-6.9%)· Recorded snapshot

Market cap	33.1M
Revenue (ttm)	52.9M
Net income (ttm)	446K
EPS (ttm)	A$0.00
Shares out	245.1M
P/E (trailing)	79.4x
Volume	460
Beta	0.15

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 52.9M
Net income (ttm): 446K
EPS (ttm): A$0.00
P/E (trailing): 79.4x
Market cap: 33.1M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-30 13:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E79.4

P25 n/aP50 n/aP75 n/a

ROE0.6

P25 n/aP50 n/aP75 n/a

ROIC3.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ASX/EPY indicators

Market & fundamental data

Available fields

242

Groups with data

Currency

AUD

Showing 242 of 242 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	AUD
Country	Australia
Country code	AU
Earnings date	2026-08-27
Employees	44
Enterprise value	AUD 291.1M
Exchange	Australian Securities Exchange
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2001
Industry	Credit Services
Is primary listing	Yes
ISIN number	AU0000119570
Last earnings date	2026-08-27
Last refreshed	2026-10-30
Market cap	AUD 33.1M
Price	AUD 0.14
Price currency	AUD
Sector	Financials
SIC code	7361
Stock price date	2026-10-30
Symbol	asx/EPY
Website	https://www.earlypay.com.au

Valuation

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

Metric	Value
Average P/E ratio (10Y)	50.3x
Average P/E ratio (3Y)	39.55x
Average P/E ratio (5Y)	33.01x
Earnings yield	1.26%
EV/Earnings	652.77x
EV/EBIT	16.56x
EV/EBITDA	14.66x
EV/FCF	38.82x
EV/Sales	5.51x
FCF / EV yield	2.58%
FCF yield	22.66%
Graham number	0.10295
Graham upside	-23.74%
Industry forward P/E	8.12x
Industry P/E	10.84x
Lynch fair value	AUD 0.01
Lynch upside	-93.7%
P/B ratio	0.49x
P/E ratio	79.41x
P/FCF ratio	4.41x
P/OCF ratio	4.38x
P/S ratio	0.63x
Price / tangible book value	0.83x
Price/EBITDA ratio	1.72x
Sector forward P/E	18.2x
Sector P/E	19.94x

Profitability

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

Metric	Value
EBIT margin	33.25%
EBITDA margin	36.46%
Effective tax rate	34.12%
FCF margin	14.18%
Gross margin	71.66%
Operating margin	33.25%
Pretax margin	1.28%
Profit margin	0.84%
Profit per employee	AUD 10,136
Profitable quarters	1
Profitable years	3
Revenue per employee	AUD 1.2M
ROA	3.23%
ROA (5Y)	3.5%
ROCE	4.88%
ROE	0.63%
ROE (5Y)	3.07%
ROIC	3.55%
ROIC (5Y)	5.23%
Tax / revenue	0.44%

Growth

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

Metric	Value
EPS growth	-83.65%
EPS growth (Q)	-70.61%
EPS growth 10Y	-9.63%
EPS growth 5Y	-43.87%
EPS growth years	0
FCF growth	-13.34%
FCF growth (Q)	24.18%
FCF growth (QoQ)	72.89%
FCF growth 3Y	-6.48%
FCF growth 5Y	9.55%
Gross profit growth	3.59%
Gross profit growth (Q)	11.33%
Gross profit growth 3Y	-6.36%
Gross profit growth 5Y	4.44%
Net income growth	-84.45%
Net income growth (Q)	-68.15%
Net income growth 5Y	-42.73%
Net income growth years	0
OCF growth	-12.85%
OCF growth (Q)	24.75%
OCF growth (QoQ)	73.01%
OCF growth 3Y	-6.38%
OCF growth 5Y	9.45%
Operating income growth	-16.83%
Operating income growth (Q)	-2.37%
Operating income growth 3Y	19.56%
Operating income growth 5Y	-2.36%
Revenue growth	3.81%
Revenue growth (Q)	9.05%
Revenue growth (QoQ)	1.66%
Revenue growth 3Y	-4.43%
Revenue growth 5Y	3.8%
Revenue growth quarters	1
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AUD -58,000
Depreciation and amortization	AUD 1.7M
EBIT	AUD 17.6M
EBITDA	AUD 19.3M
EPS	AUD 0.00
FCF per share	AUD 0.03
Financing cash flow	AUD 49M
Free cash flow	AUD 7.5M
Gross profit	AUD 37.9M
Income taxes	AUD 231,000
Investing cash flow	AUD -58.7M
Net borrowing	AUD 55.6M
Net cash flow	AUD -2.2M
Net income	AUD 446,000
Operating income	AUD 17.6M
Revenue	AUD 52.9M

Financial strength

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

Metric	Value
Altman Z-Score	1.48
Book value per share	AUD 0.28
Debt / EBITDA	14.75
Debt / equity	4.31
Debt / FCF	39.07
Goodwill	AUD 27.8M
Interest coverage	1.04
Long-term assets	AUD 32.9M
Long-term liabilities	AUD 292.3M
Net cash (debt)	AUD -258.1M
Net cash / market cap	-779.93%
Net debt / EBITDA	13.39
Net debt / equity	3.8
Net debt / FCF	34.41
Piotroski F-Score	5
Property, plant and equipment	AUD 1.2M
Shareholders' equity	AUD 67.9M
Tangible book value	AUD 39.7M
Tangible book value per share	AUD 0.16
Total assets	AUD 364.8M
Total cash	AUD 34.9M
Total debt	AUD 293M
Total liabilities	AUD 296.9M
WACC	3.93%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.16
Current assets	AUD 331.9M
Current liabilities	AUD 4.6M
Current ratio	72.3
Net working capital	AUD 293M
Quick ratio	71.97
Working capital	AUD 327.3M
Working capital turnover	0.23

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	4.21%
Dividend growth	-77.22%
Dividend growth (10Y)	-15.76%
Dividend growth (3Y)	-61.68%
Dividend growth (5Y)	-39.92%
Dividend growth years	1
Dividend payment date	2026-09-16
Dividend payment years	3
Dividend payout frequency	Annual
Dividend per share	AUD 0.00
Dividend yield	1.33%
Ex-dividend date	2026-09-01
FCF payout ratio	5.88%
Last dividend	AUD 0.00
Payout ratio	396.64%
Shareholder yield	5.54%

Performance and technicals

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

Metric	Value
10Y price change	-47.06%
10Y return CAGR	-2.86%
10Y total return	-25.22%
150-day SMA	AUD 0.14
15Y price change	3.85%
15Y return CAGR	4.94%
15Y total return	106.14%
1D price change	-6.9%
1Y price change	-35.71%
1Y return CAGR	-34.9%
1Y total return	-34.88%
20-day SMA	AUD 0.13
200-day SMA	AUD 0.16
3M price change	8%
3M total return	9.41%
3Y price change	-34.15%
3Y return CAGR	-11.27%
3Y total return	-30.15%
50-day SMA	AUD 0.13
50-day SMA vs 200-day SMA	50under200
52-week high	AUD 0.22
52-week high date	2025-12-09
52-week low	AUD 0.11
52-week low date	2026-06-15
5Y price change	-70.65%
5Y return CAGR	-19.74%
5Y total return	-66.68%
6M price change	-10%
6M total return	-8.83%
All-time high	AUD 0.67
All-time high date	2018-07-09
All-time low	AUD 0.09
All-time low date	2011-07-14
Average true range (ATR)	AUD 0.01
Average volume	98.1K
Beta (1Y)	0.26
Beta (2Y)	0.52
Beta (5Y)	0.15
Change from 52-week high	-37.21%
Change from 52-week low	28.57%
Change from all-time high	-79.85%
Change from all-time low	50%
Change from open	-3.57%
Day's gap	-3.45%
Dollar volume	AUD 62.1
High price	AUD 0.14
Low price	AUD 0.13
Monthly RSI	35.93
Open price	AUD 0.14
Position in 52-week range	50%
Previous close	AUD 0.15
Price vs 150-day SMA	-5%
Price vs 20-day SMA	1.12%
Price vs 200-day SMA	-13.79%
Price vs 50-day SMA	1.43%
Relative volume	0
RSI	50.55
Sharpe ratio	-0.58
Sharpe ratio (3Y)	-0.08
Sharpe ratio (5Y)	-0.11
Sortino ratio	-0.71
Sortino ratio (3Y)	-0.01
Sortino ratio (5Y)	-0.05
Volume	460
Weekly RSI	44.7
YTD price change	-28.95%
YTD total return	-28.02%

Ownership and float

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

Metric	Value
Float	153.9M
Shares change (QoQ)	29.39%
Shares change (YoY)	-4.21%
Shares held by insiders	8.06%
Shares held by institutions	36.51%
Shares outstanding	245.1M

Deeper analysis on ASX/EPY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this ASX/EPY report

Is a complete ASX/EPY research report available?

No complete published report is available for asx/EPY (ASX/EPY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ASX/EPY (ASX/EPY)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/EPY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/EPY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/EPY

Frequently asked questions