2026 Appendix 4E and Annual Report

• Revenue of $206.8m, down 6% from FY25
• Underlying EBITDA of $48.3m, down 18% from FY25
• New program pipeline of $109m, with $50m in tender phases
• FY27 Underlying EBITDA guidance of $50m-$54m

EML Payments Ltd has released its FY26 Appendix 4E Financial Results and Annual Report. The company reported a revenue of $206.8 million, a 6% decline from FY25, and underlying EBITDA of $48.3 million, down 18% from the previous year. The company's cash balance stood at $37.8 million following outflows for legacy matters. EML has a new program pipeline of $109 million, with approximately $50 million in tender or final decision phases. The company's commercial team leadership was strengthened in H2 FY26, resulting in excellent key client renewal performance. EML expects FY27 underlying EBITDA to be between $50 million and $54 million, with proforma free cash flow of $30-$35 million forecast in FY28.

FY27 Underlying EBITDA guidance of $50m-$54m, FY28 Proforma free cash flow of $30-$35m

EML plans to focus on revenue conversion for new programs, improving core performance, and deploying the new global technology platform, Arlo. The company expects commercial performance to improve in FY27.