EML Payments Ltd
ASX:EML
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EML Payments Ltd
ASX:EML
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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.
Revenue: EML Payments reported H1 FY26 revenue of $108.4 million, down 6% on the prior corresponding period, mainly due to customer terminations and lower interest income.
Guidance: Full-year guidance was tightened from $58–64 million to $58–60 million, reflecting client onboarding delays.
EBITDA: Underlying EBITDA fell 16% to $28 million, affected by one-off items and client losses, but cost control remained strong.
Cost Discipline: Overheads fell quarter-on-quarter by $3.6 million, driven by operational efficiencies and restructuring.
Growth Pipeline: The total sales pipeline grew to $102 million, with a 51% conversion rate and $24 million in new program revenue secured.
Transformation Progress: The company is on track with its EML 2.0 restructuring and the global rollout of Project Arlo, aiming for core build completion by year-end and UK launch mid-year.
Regional Performance: Europe saw revenue drop 12% with stable margins; APAC and North America showed customer revenue growth despite lower interest income.
FY28 Targets: Management reaffirmed confidence in reaching FY28 aspirational growth targets despite current headwinds.
