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Earlypay Limited (EPY) Fair Value & Analysis

Financial Services · AU · Market cap A$32.0M

PriceA$0.1250
Fair ValueA$0.1500
Upside+20.0%
Quality95/100
Evidence: High Range A$0.1100 – A$0.1900

Fair value as of: Jun 26, 2026

Analysis

Earlypay Limited (EPY) currently trades at A$0.1250, while our model-based Fair Value estimate is A$0.1500 — implying the stock looks roughly 20.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Earlypay Limited engages in the provision of financial solutions to businesses in Australia. It offers invoice finance, such as debtor and trade finance; invoice factoring and discounting, and clean energy finance services, as well as business line of credit. The company also provides equipment finance services for old and new equipment, such as sale back of owned or partially owned equipment, private sales, and mid-term refinancing. In addition, it offers payroll and trade finance services, and asset finance. Additionally, it offers supplier early payment platform solutions and ATO tax debt services. The company was formerly known as CML Group Limited and changed its name to Earlypay Limited in November 2020. Earlypay Limited was incorporated in 2001 and is based in North Sydney, Australia.

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Frequently asked questions

Is Earlypay Limited (EPY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of A$0.1500 versus a price of A$0.1250 — about +20% (undervalued). Model-based estimate, not financial advice.
What is the fair value of EPY?
Our 21-model fair value for Earlypay Limited is A$0.1500 (as of Jun 26, 2026), built from audited fundamentals. The current price is A$0.1250.
What is the quality score of EPY?
Earlypay Limited has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.