10.62 USD
+0.03 (+0.28%)
10.62 USD
0 (0%)
CTLP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. CTLP has an average financial health and profitability rating. While showing a medium growth rate, CTLP is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
CTLP had positive earnings in the past year.
In the past year CTLP had a positive cash flow from operations.
In multiple years CTLP reported negative net income over the last 5 years.
Of the past 5 years CTLP 4 years had a positive operating cash flow.
1.2 Ratios
CTLP has a better Return On Assets (15.27%) than 94.90% of its industry peers.
Looking at the Return On Equity, with a value of 23.36%, CTLP belongs to the top of the industry, outperforming 87.76% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 7.35%, CTLP is in the better half of the industry, outperforming 72.45% 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 8.44%.
The 3 year average ROIC (4.10%) for CTLP is below the current ROIC(7.35%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.27% | ||
| ROE | 23.36% | ||
| ROIC | 7.35% |
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
The Profit Margin of CTLP (19.02%) is better than 73.47% of its industry peers.
CTLP has a Operating Margin of 8.92%. This is in the lower half of the industry: CTLP underperforms 60.20% of its industry peers.
Looking at the Gross Margin, with a value of 41.11%, CTLP is in the better half of the industry, outperforming 60.20% of the companies in the same industry.
CTLP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.92% | ||
| PM (TTM) | 19.02% | ||
| GM | 41.11% |
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.
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
An Altman-Z score of 3.88 indicates that CTLP is not in any danger for bankruptcy at the moment.
CTLP has a better Altman-Z score (3.88) than 86.73% of its industry peers.
CTLP has a debt to FCF ratio of 1.69. This is a very positive value and a sign of high solvency as it would only need 1.69 years to pay back of all of its debts.
The Debt to FCF ratio of CTLP (1.69) is better than 74.49% 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 70.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.69 | ||
| Altman-Z | 3.88 |
ROIC/WACC0.85
WACC8.63%
2.3 Liquidity
A Current Ratio of 1.81 indicates that CTLP should not have too much problems paying its short term obligations.
CTLP has a better Current ratio (1.81) than 72.45% of its industry peers.
CTLP has a Quick Ratio of 1.28. This is a normal value and indicates that CTLP is financially healthy and should not expect problems in meeting its short term obligations.
CTLP has a Quick ratio of 1.28. This is in the better half of the industry: CTLP outperforms 63.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.28 |
3. Growth
3.1 Past
CTLP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 405.88%, which is quite impressive.
CTLP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.94%.
CTLP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.14% yearly.
EPS 1Y (TTM)405.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%25%
Revenue 1Y (TTM)12.94%
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.
CTLP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.83% yearly.
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
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
A Price/Earnings ratio of 12.35 indicates a correct valuation of CTLP.
CTLP's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.51, CTLP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 20.02, the valuation of CTLP can be described as rather expensive.
Based on the Price/Forward Earnings ratio, CTLP is valued a bit more expensive than the industry average as 62.24% of the companies are valued more cheaply.
CTLP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.35 | ||
| Fwd PE | 20.02 |
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 | 34.5 | ||
| EV/EBITDA | 16.33 |
4.3 Compensation for Growth
CTLP has a very decent profitability rating, which 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 | 0% |
10.62
+0.03 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners97.82%
Inst Owner Change24.57%
Ins Owners5.1%
Ins Owner Change3.02%
Market Cap782.69M
Revenue(TTM)312.56M
Net Income(TTM)59.46M
Analysts75
Price Target12.14 (14.31%)
Short Float %10.43%
Short Ratio9.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0
Avg EPS beat(2)-29.51%
Min EPS beat(2)-45.53%
Max EPS beat(2)-13.49%
EPS beat(4)2
Avg EPS beat(4)133.32%
Min EPS beat(4)-45.53%
Max EPS beat(4)577.93%
EPS beat(8)4
Avg EPS beat(8)70.86%
EPS beat(12)7
Avg EPS beat(12)86.76%
EPS beat(16)9
Avg EPS beat(16)2.17%
Revenue beat(2)0
Avg Revenue beat(2)-3.74%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)-3.63%
Revenue beat(4)0
Avg Revenue beat(4)-4.75%
Min Revenue beat(4)-7.37%
Max Revenue beat(4)-3.63%
Revenue beat(8)0
Avg Revenue beat(8)-4.57%
Revenue beat(12)1
Avg Revenue beat(12)-3.41%
Revenue beat(16)4
Avg Revenue beat(16)-2.28%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-4.76%
EPS NQ rev (3m)-6.25%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.77%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.35 | ||
| Fwd PE | 20.02 | ||
| P/S | 2.5 | ||
| P/FCF | 34.5 | ||
| P/OCF | 19.9 | ||
| P/B | 3.07 | ||
| P/tB | 6.04 | ||
| EV/EBITDA | 16.33 |
EPS(TTM)0.86
EY8.1%
EPS(NY)0.53
Fwd EY4.99%
FCF(TTM)0.31
FCFY2.9%
OCF(TTM)0.53
OCFY5.03%
SpS4.24
BVpS3.45
TBVpS1.76
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.27% | ||
| ROE | 23.36% | ||
| ROCE | 9.31% | ||
| ROIC | 7.35% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 18.43% | ||
| OM | 8.92% | ||
| PM (TTM) | 19.02% | ||
| GM | 41.11% | ||
| FCFM | 7.26% |
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 Turnover0.8
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.69 | ||
| Debt/EBITDA | 0.78 | ||
| Cap/Depr | 88.09% | ||
| Cap/Sales | 5.33% | ||
| Interest Coverage | 10.85 | ||
| Cash Conversion | 84.1% | ||
| Profit Quality | 38.15% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.28 | ||
| Altman-Z | 3.88 |
F-Score6
WACC8.63%
ROIC/WACC0.85
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)405.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%25%
EPS Next Y-46.72%
EPS Next 2Y-21.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.94%
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 1Y81.99%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year140.51%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.45%
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.
Can you provide the valuation status for CANTALOUPE INC?
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.
Can you provide the expected EPS growth for CTLP stock?
The Earnings per Share (EPS) of CANTALOUPE INC (CTLP) is expected to decline by -46.72% in the next year.