CANTALOUPE INC (CTLP) Stock Fundamental Analysis
USA - NASDAQ:CTLP - US1381031061 - Common Stock
10.58 USD
-0.13 (-1.21%)
10.58 USD
0 (0%)
Overall CTLP gets a fundamental rating of 5 out of 10. We evaluated CTLP against 99 industry peers in the Financial Services industry. CTLP has only an average score on both its financial health and profitability. 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.
Of the past 5 years CTLP 4 years had a positive operating cash flow.
1.2 Ratios
CTLP has a Return On Assets of 16.75%. This is amongst the best in the industry. CTLP outperforms 96.97% of its industry peers.
With an excellent Return On Equity value of 25.20%, CTLP belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
The Return On Invested Capital of CTLP (6.16%) is better than 69.70% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CTLP is below the industry average of 8.14%.
The last Return On Invested Capital (6.16%) for CTLP is above the 3 year average (4.10%), which is a sign of increasing profitability.
| 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 amongst the best of the industry. CTLP outperforms 80.81% of its industry peers.
The Operating Margin of CTLP (7.72%) is worse than 61.62% of its industry peers.
The Gross Margin of CTLP (40.93%) is comparable to the rest of the industry.
CTLP's Gross Margin has improved in the last couple of years.
| 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
CTLP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CTLP has more shares outstanding
The number of shares outstanding for CTLP has been increased compared to 5 years ago.
Compared to 1 year ago, CTLP has an improved debt to assets ratio.
2.2 Solvency
CTLP has an Altman-Z score of 4.05. This indicates that CTLP is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of CTLP (4.05) is better than 86.87% of its industry peers.
The Debt to FCF ratio of CTLP is 11.59, which is on the high side as it means it would take CTLP, 11.59 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.59, CTLP is in line with its industry, outperforming 50.51% of the companies in the same industry.
CTLP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
CTLP's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. CTLP outperforms 75.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 4.05 |
ROIC/WACC0.71
WACC8.62%
2.3 Liquidity
CTLP has a Current Ratio of 1.86. This is a normal value and indicates that CTLP is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of CTLP (1.86) is better than 73.74% of its industry peers.
A Quick Ratio of 1.30 indicates that CTLP should not have too much problems paying its short term obligations.
CTLP has a Quick ratio of 1.30. This is in the better half of the industry: CTLP outperforms 64.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.86 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 466.67% over the past year.
The Revenue has grown by 12.64% in the past year. This is quite good.
The Revenue has been growing by 13.14% on average over the past years. This is quite good.
EPS 1Y (TTM)466.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)12.64%
Revenue growth 3Y13.82%
Revenue growth 5Y13.14%
Sales Q2Q%14.14%
3.2 Future
CTLP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -21.01% yearly.
The Revenue is expected to grow by 13.83% on average over the next years. This is quite good.
EPS Next Y-46.72%
EPS Next 2Y-21.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.38%
Revenue Next 2Y13.83%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.45, which indicates a correct valuation of CTLP.
Compared to the rest of the industry, the Price/Earnings ratio of CTLP is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 25.07, CTLP is valued rather cheaply.
The Price/Forward Earnings ratio is 19.95, which indicates a rather expensive current valuation of CTLP.
Based on the Price/Forward Earnings ratio, CTLP is valued a bit more expensive than 61.62% of the companies in the same industry.
CTLP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 19.95 |
4.2 Price Multiples
CTLP's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, CTLP is valued a bit more expensive than the industry average as 60.61% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 233.64 | ||
| EV/EBITDA | 18.88 |
4.3 Compensation for Growth
The decent profitability rating of CTLP may justify a higher PE ratio.
CTLP's earnings are expected to decrease with -21.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CTLP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.58
-0.13 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners85.19%
Inst Owner Change24.57%
Ins Owners5.38%
Ins Owner Change2.93%
Market Cap779.64M
Revenue(TTM)302.55M
Net Income(TTM)63.95M
Analysts75
Price Target12.14 (14.74%)
Short Float %11.32%
Short Ratio5.92
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 19.95 | ||
| P/S | 2.58 | ||
| P/FCF | 233.64 | ||
| P/OCF | 38.33 | ||
| P/B | 3.07 | ||
| P/tB | 6.13 | ||
| EV/EBITDA | 18.88 |
EPS(TTM)0.85
EY8.03%
EPS(NY)0.53
Fwd EY5.01%
FCF(TTM)0.05
FCFY0.43%
OCF(TTM)0.28
OCFY2.61%
SpS4.11
BVpS3.44
TBVpS1.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.12
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
ROICexgc growth 3YN/A
ROICexgc 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 | 4.05 |
F-Score6
WACC8.62%
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%N/A
EPS Next Y-46.72%
EPS Next 2Y-21.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.64%
Revenue growth 3Y13.82%
Revenue growth 5Y13.14%
Sales Q2Q%14.14%
Revenue Next Year15.38%
Revenue Next 2Y13.83%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year135.69%
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
CANTALOUPE INC / CTLP FAQ
What is the ChartMill fundamental rating of CANTALOUPE INC (CTLP) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CTLP.
What is the valuation status for CTLP stock?
ChartMill assigns a valuation rating of 3 / 10 to CANTALOUPE INC (CTLP). This can be considered as Overvalued.
How profitable is CANTALOUPE INC (CTLP) stock?
CANTALOUPE INC (CTLP) has a profitability rating of 6 / 10.
What are the PE and PB ratios of CANTALOUPE INC (CTLP) stock?
The Price/Earnings (PE) ratio for CANTALOUPE INC (CTLP) is 12.45 and the Price/Book (PB) ratio is 3.07.
How financially healthy is CANTALOUPE INC?
The financial health rating of CANTALOUPE INC (CTLP) is 5 / 10.