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EML Payments Ltd
EML Payments Ltd. engages in the provision of payment solutions and financial services. The company is headquartered in Brisbane, Queensland and currently employs 540 full-time employees. The company went IPO on 2006-01-18. The Company’s portfolio of payment solutions offers various options for disbursement payout’s, gifts, incentives and rewards. The company operates through three segments: Gift & Incentive (G&I), General Purpose Reloadable (GPR) and Virtual Account Numbers (VANS). The G&I segment provides custom designed gift cards solution through approximately 1,200 malls in Europe and North America. The GPR segment provides card solutions, including Gaming Payouts, Salary Packaging, Merchant Coalition, Commission Payouts and Incentives and Rewards. The VANS segment provides virtual card and using virtual account number. The firm operates in Australia, Europe, the Middle East and Africa, and North America.
EML Payments Ltd. engages in the provision of payment solutions and financial services. The company is headquartered in Brisbane, Queensland and currently employs 540 full-time employees. The company went IPO on 2006-01-18. The Company’s portfolio of payment solutions offers various options for disbursement payout’s, gifts, incentives and rewards. The company operates through three segments: Gift & Incentive (G&I), General Purpose Reloadable (GPR) and Virtual Account Numbers (VANS). The G&I segment provides custom designed gift cards solution through approximately 1,200 malls in Europe and North America. The GPR segment provides card solutions, including Gaming Payouts, Salary Packaging, Merchant Coalition, Commission Payouts and Incentives and Rewards. The VANS segment provides virtual card and using virtual account number. The firm operates in Australia, Europe, the Middle East and Africa, and North America.
Strong GDV and Revenue Growth: For the nine months to March 31, 2020, GDV reached $9.83 billion (up 55%) and revenue was $87 million despite COVID-19 disruptions.
COVID-19 Impact: April marked the low point, with the Gift & Incentive segment's GDV down 53% year-on-year, but early signs of recovery began in Europe in May.
Segment Mix Shift: The acquisition of PFS shifted the business mix, with General Purpose Reloadable (GPR) programs making up 56% of revenue in March.
Strong Balance Sheet: EML held over $125 million in cash at April 30, 2020, and continued to generate positive operating cash flow even during weak trading months.
Gift Card Recovery: Gift card volumes in Europe recovered to 47% of prior year in May, while U.S. and Canada remained largely closed.
Margin Pressure: GPR and VANS segments grew, but at lower yields than gift cards, impacting overall EBITDA margins.
New Business and Digitization: Significant account growth in Salary Packaging and increased demand for digital payment solutions, accelerated by the pandemic.
Management Changes: COO Brandon Thompson is leaving; the role will not be replaced to streamline operations and save costs.
