EML builds the infrastructure to allow payments via prepaid cards or in real-time. The firm makes money primarily via clipping payment transactions. It also earns fees from breakage, inactive accounts, cash establishments and interest from loaded funds.
EML’s revenue stream is resilient. It actively extends its capabilities into new product lines, some of which are sold to high-quality customers like governments and systematically important banks.
Many of EML's solutions appear to address friction points that aren't mission-critical, which we think limits switching costs.
|
Metric
|
EML
|
FI
|
MA
|
|---|---|---|---|
Price/Earnings (Normalized) | 221.86 | 19.42 | 37.26 |
Price/Book Value | 2.32 | 3.11 | 61.57 |
Price/Sales | 1.64 | 4.75 | 17.22 |
Price/Cash Flow | 42.56 | 14.64 | 31.03 |
|
Metric
|
EML
|
FI
|
MA
|
|---|---|---|---|
Quick Ratio | 0.86 | 0.14 | 0.81 |
Current Ratio | 0.87 | 1.04 | 1.17 |
Interest Coverage | −42.97 | 4.85 | 24.72 |
|
Metric
|
EML
|
FI
|
MA
|
|---|---|---|---|
Return on Assets (Normalized) | −4.46% | 5.63% | 29.19% |
Return on Equity (Normalized) | −63.48% | 16.02% | 191.08% |
Return on Invested Capital (Normalized) | −55.95% | 10.37% | 56.34% |
|
Ticker
|
Name
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|
MSFT
| Microsoft Corp | Lhrpyjbr | Cnprc | $3.0 Tril | |
ORCL
| Oracle Corp | Wtgt | Pntbcj | $314.8 Bil | |
ADBE
| Adobe Inc | Zwyvzrgcm | Skrnl | $209.2 Bil | |
PANW
| Palo Alto Networks Inc | Ygqhtxzwv | Gnrf | $94.8 Bil | |
SNPS
| Synopsys Inc | Fhgnjsmz | Kbgwbdc | $78.6 Bil | |
CRWD
| CrowdStrike Holdings Inc Class A | Zmtlmjtwdp | Hrntxb | $72.0 Bil | |
FTNT
| Fortinet Inc | Vqmyxkvy | Chwx | $49.4 Bil | |
PLTR
| Palantir Technologies Inc Ordinary Shares - Class A | Bmnlghgkg | Rcpwsq | $47.8 Bil | |
SQ
| Block Inc Class A | Jvdwcms | Dfsntss | $46.3 Bil | |
NET
| Cloudflare Inc | Gnrqwgtkzm | Ryslf | $29.8 Bil |
