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EML, EML PAYMENTS LIMITED
nipper
post Posted: Feb 22 2021, 10:42 AM
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Posts: 8,247
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almost recovered from the Covid plunge; EML above $5.00 again

($000s) ............. H1 FY20 .... H1 FY21 ... GROWTH
TOTAL REVENUE ....... 59,156 ... 95,329 .. 61%
Revenue conversion .. 89bps ... 93bps .... 4%
GROSS PROFIT...... 44,803 .... 67,252 ..... 50%
GP margin .............76% ...... 71% ....... (5%)



The Group expects EBITDA to be in a range of A$50.0m $54.0m for FY21
This represents growth of 54% to 66% over PCP of $32.5m

QUOTE
A key risk for EML is its reliance on revenue from breakage, or the unused amount left by consumers on reloadable gift cards. EML can share this with retailers, although it is possible regulators may require unspent funds to be returned to shoppers. EML said breakage continues to fall as a percentage of group revenue, now comprising 23 per cent, down from 33 per cent in FY19, and it is expected to represent a lower percentage of group revenue in FY21 with further growth in the [general purpose reloadable card] segment





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"Every long-term security is nothing more than a claim on some expected future stream of cash that will be delivered into the hands of investors over time. For a given stream of expected future cash payments, the higher the price investors pay today for that stream of cash, the lower the long-term return they will achieve on their investment over time." - Dr John Hussman

"If I had even the slightest grasp upon my own faculties, I would not make essays, I would make decisions." ― Michel de Montaigne
 
nipper
post Posted: Aug 19 2020, 03:30 PM
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QUOTE
EML Payments says COVID19 has prompted it to accelerate its diversification strategy to ensure it is not overly reliant on supplying gift cards in shopping malls. This includes making equity investments in fintechs that could use its payments as a service offerings. EML, which operates in 28 countries and was an ASX darling before the pandemic struck, saw revenue hit hard in gift cards provided to retailers in physical shopping centres across Europe and the United States.

Gross debit volume plunged by 90 per cent in April as shops were shuttered and over the fourth quarter was down 33 per cent on the comparable period.

Despite signs of recovery in June and July, the approach to mall reopenings has been a "mish-mash" which makes it very difficult to predict Christmas trading, chief executive Tom Cregan said on Wednesday. We did not want to come out of COVID as the largest mall card provider in the world. We have taken the opportunity to reimage what the business will look like in three years and we have hit the ground running., he said.

EML has created an accelerator, called FinLabs, that will invest $10 million to $15 million over the next two years in disruptive fintechs, which EML can integrate with or cross-sell to. Its first, $2 million investment is in interchecks, a US-based disbursement tool. It will also look for investments to help it tokenise transactions on Visa's network.

EML has been seeking to diversify for several years, including through the acquisition of Prepaid Financial Services, which was finalised in April. This propelled EML to record levels of revenue, transaction value, EBITDA and net profit for the full year, despite the pandemic also curtailing disbursement volume in its sports betting operations and reducing global travel, pushing down multi-currency services.

Gross debit volume was up 54 per cent to $4.23 billion, EBITDA was up 10 per cent to $32.5 million and net profit was 17 per cent higher at $24 million, on revenue up 25 per cent to $121.6 million. Shares in the $1.1 billion company fell 4 per cent to $3.14.

EML has been pushing into general purpose reloadable cards which are being used by corporates and government departments for payroll or salary packaging services.

It has also got a longterm ambition to become fintech to the fintechs by creating a variety of as..a..service solutions, including for the buy now, pay later sector, where it counts ASX-listed Sezzle, and soon to list Laybuy as customers. These multiregional fintech partnerships are what we want to see more of, and what we want to compete more often for, Mr Cregan said. We will generate long-term shareholder value by partnering with fintechs disrupting their own industries who will be using EML, in part, to support the payments aspect of their business and that disruption.

EML is also working with MoneyMe, Coinjar, revsto, Hammock, Paygo and Scalapay.

A key risk for EML is its reliance on revenue from breakage, or the unused amount left by consumers on reloadable gift cards. EML can share this with retailers, although it is possible regulators may require unspent funds to be returned to shoppers. EML said breakage continues to fall as a percentage of group revenue, now comprising 23 per cent, down from 33 per cent in FY19, and it is expected to represent a lower percentage of group revenue in FY21 with further growth in the [general purpose reloadable card] segment.


the last para about sums this mob up.


EML is working with MoneyMe, Coinjar, revsto, Hammock, Paygo and Scalapay (!) No wonder the banks are scared!!



--------------------
"Every long-term security is nothing more than a claim on some expected future stream of cash that will be delivered into the hands of investors over time. For a given stream of expected future cash payments, the higher the price investors pay today for that stream of cash, the lower the long-term return they will achieve on their investment over time." - Dr John Hussman

"If I had even the slightest grasp upon my own faculties, I would not make essays, I would make decisions." ― Michel de Montaigne
 
nipper
post Posted: Nov 16 2019, 10:03 AM
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Posts: 8,247
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QUOTE
This week, we highlight WAM Active's (ASX: WAA) holding in financial services company EML Payments (ASX: EML). EML provides instant and secure payment solutions across 21 countries in North America, Europe and Australia.

On Monday, the company announced the acquisition of Irish financial technology company Prepaid Financial Services for $423 million, providing EML with a suite of digital banking services.

We first invested in EML as we were attracted to the growth profile and operating leverage of the business and have seen an improvement in the competitive landscape as banks have exited the space. We remain attracted to the acquisition opportunities for EML and see a strong earnings growth profile. Shares in EML closed up 14.7% for the week.

- bold move for a small cap to take on another player half it's size



--------------------
"Every long-term security is nothing more than a claim on some expected future stream of cash that will be delivered into the hands of investors over time. For a given stream of expected future cash payments, the higher the price investors pay today for that stream of cash, the lower the long-term return they will achieve on their investment over time." - Dr John Hussman

"If I had even the slightest grasp upon my own faculties, I would not make essays, I would make decisions." ― Michel de Montaigne
 
ShareScene.com
post Posted: Nov 22 2012, 01:45 PM
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Posts: 4,290
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Company name updated -

From: ADEPT SOLUTIONS LIMITED (AAO)
To: EMERCHANTS LIMITED (EML)

Regards, ShareScene.com

 
ShareScene.com
post Posted: Jul 19 2011, 03:24 PM
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Name updated by request:

From: AUSTRALASIA CONSOLIDATED LIMITED (AAO)
To: ADEPT SOLUTIONS LIMITED (AAO)

Regards, Sharescene.com

 
ShareScene.com
post Posted: Jul 30 2010, 03:40 PM
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Posts: 4,290
Thanks: 206


Renamed by request:

FROM:
AUSTRALASIA GOLD LIMITED (AAO)

TO:
AUSTRALASIA CONSOLIDATED LIMITED (AAO)

Thankyou
Sharescene.com



 


RADIO
post Posted: Aug 5 2008, 12:49 PM
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user posted image
Recent ShareScene.com Radio Broadcast (01/08/2008 13:15:00):
AAO - June 2008 Quarterly Report - Mr Trevor Ireland, MD

N.B. ShareScene.com Radio can normally be accessed by the 'RADIO' link, top of every page.
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ShareScene.com Radio delivers investor presentations from ASX listed companies. Keep up to date with the latest corporate dealings of the shares you follow. Hear news direct from the source. Listen to directors and investor relations mangers discuss their company, give investor updates and brief on current results. ShareScene.com Radio keeps you informed about company announcements and events, and provides you daily market wraps and industry discussions.
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RADIO
post Posted: Jul 1 2008, 03:36 PM
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Posts: 3,268
Thanks: 9


user posted image
Recent ShareScene.com Radio Broadcast (01/07/2008 10:30:00):
AAO - Significant Project added to Portfolio - Mr Trevor Ireland, MD

N.B. ShareScene.com Radio can normally be accessed by the 'RADIO' link, top of every page.
-------------------------------------------------------------------------------------------------------------
ShareScene.com Radio delivers investor presentations from ASX listed companies. Keep up to date with the latest corporate dealings of the shares you follow. Hear news direct from the source. Listen to directors and investor relations mangers discuss their company, give investor updates and brief on current results. ShareScene.com Radio keeps you informed about company announcements and events, and provides you daily market wraps and industry discussions.
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sko6
post Posted: May 27 2007, 11:31 PM
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Posts: 7


Hi There,

I m new to share, and for some reason I ve bought small amount of AAO as a starting pt into share market......very happy a wk ago....when sp was up.....BUT all the sudden sp go south!! any1 know what happen?? is this expected??



 
hit&hope
post Posted: May 27 2007, 07:20 PM
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Posts: 21


In reply to: bigjack on Friday 25/05/07 10:12am

BJ,

Still holding, but did start to question my logic towards the end of the week. I am usually a longer term holder rather than a trader, so I will stick for a while yet.

Spose I am like many other small players, love to see the shares I have bought go up at the start so I can lock them away and not worry about them and enjoy the ride.

Good luck

h&h

 
 


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