I have some comments and theories here:
- why hasn’t the buy back commenced?
- $26m inserted into PFS business to remediate card holder funds which returns to share holder each year until FY26, how much for FY23 (should be circa $4-$5m)
- do we have now have a $6m saving from Trace platform migration yoy
- Is the cost base run rate still on track for $131m annually
- Maybe emma is following through to simplify the business and a sale of part of the business is afoot. Possibly selling G&I segment business whilst rates are rising increases the value of stored float. Last year it delivered $30m ebit but this year it would have to $50m+ (the card Network recently sold for 8-9 x ebit). This alone is worth $1.50 in share price
- Sentenial/Nuapay earn out clause of circa $70m is based on this part of the business delivering $40m in revenue and $20m ebit for the 12 months to 31/12/23. Are they on track? Sentenial delivered $10m pro rate for FY22 so +$30m uplift needed within 18 months
- Interest rate on float update, should be $20m + EU float which we were waiting on regulator approval to invest (should be $30m+ in total and climbing.
- Sentenial fraud event of $7m, how much if any has been recovered? From memory there was $4m or so put aside for 12 months as insurance warranty. Can they make claim against this to offset any of the $7m?
- Irish regulatory update, are we commencing third party validation in Dec, jan or Feb? Noting this would likely take 2-3 months. Surely they can provide some context here
- Pipeline deal, conversion I guess would be less than historical 40% mark given inability to launch programs in certain jurisdictions
- new verticals & partnerships update (blockchain, transit, EU dollar project for instant payments)
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- My advice: Wait until the company starts to purchase
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Last
$1.08 |
Change
0.015(1.41%) |
Mkt cap ! $413.2M |
Open | High | Low | Value | Volume |
$1.07 | $1.09 | $1.07 | $542.1K | 502.1K |
Buyers (Bids)
No. | Vol. | Price($) |
---|---|---|
3 | 15606 | $1.07 |
Sellers (Offers)
Price($) | Vol. | No. |
---|---|---|
$1.08 | 7091 | 1 |
View Market Depth
No. | Vol. | Price($) |
---|---|---|
3 | 15606 | 1.070 |
1 | 7680 | 1.065 |
2 | 47539 | 1.060 |
2 | 4404 | 1.050 |
1 | 960 | 1.040 |
Price($) | Vol. | No. |
---|---|---|
1.080 | 7091 | 1 |
1.090 | 3357 | 2 |
1.095 | 160 | 1 |
1.100 | 37631 | 3 |
1.105 | 15970 | 1 |
Last trade - 16.10pm 07/08/2025 (20 minute delay) ? |
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EML (ASX) Chart |