CANTALOUPE INC (CTLP) Stock Fundamental Analysis
NASDAQ:CTLP - US1381031061 - Common Stock
10.85 USD
0 (0%)
10.85 USD
0 (0%)
CTLP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. CTLP has only an average score on both its financial health and profitability. CTLP is not valued too expensively and it also shows 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.
In the past 5 years CTLP reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: CTLP reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 16.01%, CTLP belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
CTLP has a Return On Equity of 24.37%. This is amongst the best in the industry. CTLP outperforms 88.24% of its industry peers.
CTLP has a Return On Invested Capital of 5.50%. This is in the better half of the industry: CTLP outperforms 69.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.01% | ||
| ROE | 24.37% | ||
| ROIC | 5.5% |
ROA(3y)0.82%
ROA(5y)-4.86%
ROE(3y)1.56%
ROE(5y)-8.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CTLP has a better Profit Margin (20.27%) than 76.47% of its industry peers.
CTLP's Operating Margin of 6.50% is on the low side compared to the rest of the industry. CTLP is outperformed by 65.69% of its industry peers.
The Gross Margin of CTLP (40.33%) 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 | 6.5% | ||
| PM (TTM) | 20.27% | ||
| GM | 40.33% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.71%
GM growth 5Y6.56%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CTLP 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.
CTLP has a better debt/assets ratio than last year.
2.2 Solvency
CTLP has an Altman-Z score of 4.00. This indicates that CTLP is financially healthy and has little risk of bankruptcy at the moment.
CTLP has a better Altman-Z score (4.00) than 85.29% of its industry peers.
The Debt to FCF ratio of CTLP is 5.22, which is a neutral value as it means it would take CTLP, 5.22 years of fcf income to pay off all of its debts.
CTLP's Debt to FCF ratio of 5.22 is fine compared to the rest of the industry. CTLP outperforms 67.65% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that CTLP is not too dependend on debt financing.
CTLP's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. CTLP outperforms 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 5.22 | ||
| Altman-Z | 4 |
ROIC/WACC0.62
WACC8.82%
2.3 Liquidity
A Current Ratio of 1.79 indicates that CTLP should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.79, CTLP is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
CTLP has a Quick Ratio of 1.22. 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 1.22. This is comparable to the rest of the industry: CTLP outperforms 59.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.79 | ||
| Quick Ratio | 1.22 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 393.75% over the past year.
The Revenue has grown by 12.51% in the past year. This is quite good.
Measured over the past years, CTLP shows a quite strong growth in Revenue. The Revenue has been growing by 13.20% on average per year.
EPS 1Y (TTM)393.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%983.33%
Revenue 1Y (TTM)12.51%
Revenue growth 3Y17.19%
Revenue growth 5Y13.2%
Sales Q2Q%11.09%
3.2 Future
The Earnings Per Share is expected to grow by 60.67% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 14.18% on average over the next years. This is quite good.
EPS Next Y491.6%
EPS Next 2Y77.25%
EPS Next 3Y60.67%
EPS Next 5YN/A
Revenue Next Year11.82%
Revenue Next 2Y13.8%
Revenue Next 3Y14.18%
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
CTLP is valuated correctly with a Price/Earnings ratio of 13.73.
CTLP's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.84, CTLP is valued a bit cheaper.
CTLP is valuated rather expensively with a Price/Forward Earnings ratio of 23.02.
66.67% of the companies in the same industry are cheaper than CTLP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, CTLP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.73 | ||
| Fwd PE | 23.02 |
4.2 Price Multiples
CTLP's Enterprise Value to EBITDA is on the same level as 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 | 105.94 | ||
| EV/EBITDA | 21.95 |
4.3 Compensation for Growth
CTLP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CTLP's earnings are expected to grow with 60.67% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y77.25%
EPS Next 3Y60.67%
5. Dividend
5.1 Amount
No dividends for CTLP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.85
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 Cap794.65M
Analysts75
Price Target12.14 (11.89%)
Short Float %7.54%
Short Ratio2.8
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)2
Avg EPS beat(2)296.15%
Min EPS beat(2)14.38%
Max EPS beat(2)577.93%
EPS beat(4)2
Avg EPS beat(4)137.41%
Min EPS beat(4)-36.06%
Max EPS beat(4)577.93%
EPS beat(8)5
Avg EPS beat(8)87.55%
EPS beat(12)7
Avg EPS beat(12)-17.47%
EPS beat(16)11
Avg EPS beat(16)19.07%
Revenue beat(2)0
Avg Revenue beat(2)-5.76%
Min Revenue beat(2)-7.37%
Max Revenue beat(2)-4.16%
Revenue beat(4)0
Avg Revenue beat(4)-5.02%
Min Revenue beat(4)-7.37%
Max Revenue beat(4)-2.38%
Revenue beat(8)0
Avg Revenue beat(8)-4.3%
Revenue beat(12)3
Avg Revenue beat(12)-2.23%
Revenue beat(16)5
Avg Revenue beat(16)-2.02%
PT rev (1m)0%
PT rev (3m)-4.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2%
EPS NY rev (1m)0%
EPS NY rev (3m)32.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.73 | ||
| Fwd PE | 23.02 | ||
| P/S | 2.72 | ||
| P/FCF | 105.94 | ||
| P/OCF | 31.56 | ||
| P/B | 3.26 | ||
| P/tB | 6.85 | ||
| EV/EBITDA | 21.95 |
EPS(TTM)0.79
EY7.28%
EPS(NY)0.47
Fwd EY4.34%
FCF(TTM)0.1
FCFY0.94%
OCF(TTM)0.34
OCFY3.17%
SpS4
BVpS3.32
TBVpS1.58
PEG (NY)0.03
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.01% | ||
| ROE | 24.37% | ||
| ROCE | 6.57% | ||
| ROIC | 5.5% | ||
| ROICexc | 6.54% | ||
| ROICexgc | 13.74% | ||
| OM | 6.5% | ||
| PM (TTM) | 20.27% | ||
| GM | 40.33% | ||
| FCFM | 2.56% |
ROA(3y)0.82%
ROA(5y)-4.86%
ROE(3y)1.56%
ROE(5y)-8.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
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 3Y5.71%
GM growth 5Y6.56%
F-Score7
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 5.22 | ||
| Debt/EBITDA | 1.04 | ||
| Cap/Depr | 104.79% | ||
| Cap/Sales | 6.04% | ||
| Interest Coverage | 6.4 | ||
| Cash Conversion | 70.18% | ||
| Profit Quality | 12.64% | ||
| Current Ratio | 1.79 | ||
| Quick Ratio | 1.22 | ||
| Altman-Z | 4 |
F-Score7
WACC8.82%
ROIC/WACC0.62
Cap/Depr(3y)159.81%
Cap/Depr(5y)109.8%
Cap/Sales(3y)5.57%
Cap/Sales(5y)3.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)393.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%983.33%
EPS Next Y491.6%
EPS Next 2Y77.25%
EPS Next 3Y60.67%
EPS Next 5YN/A
Revenue 1Y (TTM)12.51%
Revenue growth 3Y17.19%
Revenue growth 5Y13.2%
Sales Q2Q%11.09%
Revenue Next Year11.82%
Revenue Next 2Y13.8%
Revenue Next 3Y14.18%
Revenue Next 5YN/A
EBIT growth 1Y21.72%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year216.45%
EBIT Next 3Y74.18%
EBIT Next 5YN/A
FCF growth 1Y154.75%
FCF growth 3Y26.42%
FCF growth 5YN/A
OCF growth 1Y2443.23%
OCF growth 3Y50.25%
OCF growth 5YN/A