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EML Payments
EML Payments (EML) investor relations material
EML Payments H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary24 Feb, 2026
Executive summary
FY26 marks the final year of restructuring, with operational transformation progressing as planned and a focus on sustainable double-digit growth, management refresh, and improved operational efficiency.
Commercial and product teams have been revitalized, with product development embedded in operations and expanded to meet customer-driven demand, including a major mobility project nearing MVP launch.
EML 2.0 strategy and Project Arlo are advancing, with a global operating model, unified technology platform, and enhanced commercial execution.
Cost base remained well-controlled, with employee and professional fee savings offset by higher VAT/GST and increased share-based payments for new leadership.
Cash balance at period end was $47.8 million, down $11.5 million, mainly due to class action settlement, PFS loan repayment, and Arlo CapEx.
Financial highlights
Revenue for H1 FY26 was AUD 108.4 million, down 6% year-over-year; customer revenue (ex-interest) down 4% to AUD 79.4 million; interest income fell 11% to AUD 29 million.
Underlying EBITDA declined 16% year-over-year to AUD 28 million, impacted by one-off items and client terminations.
Statutory NPAT was $(4.0)m, down from $9.5m in the prior period; EPS was (1.04) cps.
Cash used in operations was $33.2 million, including $35.4 million class action settlement.
Overheads were well managed, down marginally year-over-year and 2% sequentially from H2 FY25.
Outlook and guidance
FY26 underlying EBITDA guidance narrowed to AUD 58–60 million due to onboarding lags and slower customer implementation.
Pipeline target set at AUD 125 million by year-end, with focus on onboarding, commercial execution, and technology deployment.
Aspirational FY28 targets remain unchanged.
Continued investment in Arlo and commercial team expansion planned for H2.
Management expects to continue as a going concern, supported by updated cash flow forecasts and undrawn debt facilities of $41 million.
Arlo's new capabilities: commercial impact?
Address pipeline conversion lags and regional gaps
Mobility product: key milestones to market?
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Next EML Payments earnings date
H2 202625 Aug, 2026
EML Payments
Next EML Payments earnings date
H2 202625 Aug, 2026
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Frequently asked questions
EML Payments Limited provides payment card technology solutions in Australia, Europe, and North America. The company operates in two segments, EML Payments and Gift Cards. It offers prepaid products, including multi-currency cards for international use; virtual and plastic payment cards; and eCommerce gateway payment services. The company also offers card programs to various customers operating in various industry verticals, such as lifestyle and rewards, corporate expense management, travel and prepaid energy, high risk merchants selling digital goods, and omni-channel retailers sell physical goods through their own website.
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