CANTALOUPE INC (CTLP) Stock Fundamental Analysis
USA - NASDAQ:CTLP - US1381031061 - Common Stock
10.55 USD
0 (0%)
10.55 USD
0 (0%)
CTLP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and the financial health of CTLP get a neutral evaluation. Nothing too spectacular is happening here. CTLP is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CTLP was profitable.
CTLP had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: CTLP reported negative net income in multiple years.
CTLP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 16.75%, CTLP belongs to the top of the industry, outperforming 97.03% of the companies in the same industry.
CTLP's Return On Equity of 25.20% is amongst the best of the industry. CTLP outperforms 89.11% of its industry peers.
With a decent Return On Invested Capital value of 6.16%, CTLP is doing good in the industry, outperforming 71.29% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CTLP is below the industry average of 7.65%.
The 3 year average ROIC (4.10%) for CTLP is below the current ROIC(6.16%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.75% | ||
| ROE | 25.2% | ||
| ROIC | 6.16% |
ROA(3y)6.72%
ROA(5y)3.05%
ROE(3y)10.46%
ROE(5y)4.76%
ROIC(3y)4.1%
ROIC(5y)N/A
1.3 Margins
CTLP's Profit Margin of 21.14% is fine compared to the rest of the industry. CTLP outperforms 77.23% of its industry peers.
CTLP's Operating Margin of 7.72% is on the low side compared to the rest of the industry. CTLP is outperformed by 61.39% of its industry peers.
With a Gross Margin value of 40.93%, CTLP perfoms like the industry average, outperforming 58.42% of the companies in the same industry.
In the last couple of years the Gross Margin of CTLP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.72% | ||
| PM (TTM) | 21.14% | ||
| GM | 40.93% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.37%
GM growth 5Y7.6%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTLP is destroying value.
CTLP has more shares outstanding than it did 1 year ago.
CTLP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CTLP has been reduced compared to a year ago.
2.2 Solvency
CTLP has an Altman-Z score of 3.98. This indicates that CTLP is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.98, CTLP belongs to the best of the industry, outperforming 87.13% of the companies in the same industry.
CTLP has a debt to FCF ratio of 11.59. This is a negative value and a sign of low solvency as CTLP would need 11.59 years to pay back of all of its debts.
CTLP has a Debt to FCF ratio of 11.59. This is comparable to the rest of the industry: CTLP outperforms 56.44% of its industry peers.
CTLP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
CTLP has a Debt to Equity ratio of 0.14. This is in the better half of the industry: CTLP outperforms 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.98 |
ROIC/WACC0.71
WACC8.67%
2.3 Liquidity
A Current Ratio of 1.86 indicates that CTLP should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.86, CTLP is in the better half of the industry, outperforming 71.29% of the companies in the same industry.
A Quick Ratio of 1.30 indicates that CTLP should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.30, CTLP is doing good in the industry, outperforming 61.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.86 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
CTLP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 466.67%, which is quite impressive.
CTLP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.64%.
Measured over the past years, CTLP shows a quite strong growth in Revenue. The Revenue has been growing by 13.14% on average per year.
EPS 1Y (TTM)466.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)12.64%
Revenue growth 3Y13.82%
Revenue growth 5Y13.14%
Sales Q2Q%13.63%
3.2 Future
The Earnings Per Share is expected to decrease by -14.44% on average over the next years. This is quite bad
The Revenue is expected to grow by 15.38% on average over the next years. This is quite good.
EPS Next Y-44.56%
EPS Next 2Y-14.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.82%
Revenue Next 2Y15.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.41, CTLP is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as CTLP.
The average S&P500 Price/Earnings ratio is at 27.06. CTLP is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 22.39 indicates a rather expensive valuation of CTLP.
Based on the Price/Forward Earnings ratio, CTLP is valued a bit more expensive than the industry average as 63.37% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.64. CTLP is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 22.39 |
4.2 Price Multiples
CTLP's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CTLP is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 231.96 | ||
| EV/EBITDA | 18.51 |
4.3 Compensation for Growth
CTLP's earnings are expected to decrease with -14.44% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.44%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CTLP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.55
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners76.04%
Inst Owner Change0.56%
Ins Owners2.28%
Ins Owner Change18.54%
Market Cap774.05M
Analysts75
Price Target12.14 (15.07%)
Short Float %8.57%
Short Ratio2.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)282.22%
Min EPS beat(2)-13.49%
Max EPS beat(2)577.93%
EPS beat(4)2
Avg EPS beat(4)143.05%
Min EPS beat(4)-13.49%
Max EPS beat(4)577.93%
EPS beat(8)5
Avg EPS beat(8)88.56%
EPS beat(12)7
Avg EPS beat(12)-7.32%
EPS beat(16)10
Avg EPS beat(16)6.81%
Revenue beat(2)0
Avg Revenue beat(2)-5.5%
Min Revenue beat(2)-7.37%
Max Revenue beat(2)-3.63%
Revenue beat(4)0
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-7.37%
Max Revenue beat(4)-2.38%
Revenue beat(8)0
Avg Revenue beat(8)-4.6%
Revenue beat(12)2
Avg Revenue beat(12)-2.61%
Revenue beat(16)4
Avg Revenue beat(16)-2.38%
PT rev (1m)0%
PT rev (3m)-3.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.26%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 22.39 | ||
| P/S | 2.56 | ||
| P/FCF | 231.96 | ||
| P/OCF | 38.06 | ||
| P/B | 3.05 | ||
| P/tB | 6.09 | ||
| EV/EBITDA | 18.51 |
EPS(TTM)0.85
EY8.06%
EPS(NY)0.47
Fwd EY4.47%
FCF(TTM)0.05
FCFY0.43%
OCF(TTM)0.28
OCFY2.63%
SpS4.12
BVpS3.46
TBVpS1.73
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.75% | ||
| ROE | 25.2% | ||
| ROCE | 7.8% | ||
| ROIC | 6.16% | ||
| ROICexc | 7.43% | ||
| ROICexgc | 15.15% | ||
| OM | 7.72% | ||
| PM (TTM) | 21.14% | ||
| GM | 40.93% | ||
| FCFM | 1.1% |
ROA(3y)6.72%
ROA(5y)3.05%
ROE(3y)10.46%
ROE(5y)4.76%
ROIC(3y)4.1%
ROIC(5y)N/A
ROICexc(3y)5.21%
ROICexc(5y)N/A
ROICexgc(3y)14.71%
ROICexgc(5y)N/A
ROCE(3y)5.19%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.37%
GM growth 5Y7.6%
F-Score6
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 11.59 | ||
| Debt/EBITDA | 0.89 | ||
| Cap/Depr | 95.52% | ||
| Cap/Sales | 5.62% | ||
| Interest Coverage | 8.67 | ||
| Cash Conversion | 49.43% | ||
| Profit Quality | 5.22% | ||
| Current Ratio | 1.86 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 3.98 |
F-Score6
WACC8.67%
ROIC/WACC0.71
Cap/Depr(3y)133.74%
Cap/Depr(5y)121.67%
Cap/Sales(3y)5.94%
Cap/Sales(5y)4.69%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)466.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y-44.56%
EPS Next 2Y-14.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.64%
Revenue growth 3Y13.82%
Revenue growth 5Y13.14%
Sales Q2Q%13.63%
Revenue Next Year15.82%
Revenue Next 2Y15.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year138.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-73.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-26.69%
OCF growth 3YN/A
OCF growth 5YN/A