CANTALOUPE INC (CTLP) Stock Fundamental Analysis
NASDAQ:CTLP - Nasdaq - US1381031061 - Common Stock - Currency: USD
Taking everything into account, CTLP scores 5 out of 10 in our fundamental rating. CTLP was compared to 100 industry peers in the Financial Services industry. CTLP has an average financial health and profitability rating. CTLP is not valued too expensively and it also shows a decent growth rate.
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 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
CTLP's Return On Assets of 16.01% is amongst the best of the industry. CTLP outperforms 97.00% of its industry peers.
CTLP's Return On Equity of 24.37% is amongst the best of the industry. CTLP outperforms 87.00% 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 69.00% 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 76.00% of its industry peers.
CTLP has a Operating Margin of 6.50%. This is in the lower half of the industry: CTLP underperforms 66.00% of its industry peers.
CTLP has a Gross Margin (40.33%) which 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTLP is destroying value.
The number of shares outstanding for CTLP has been increased compared to 1 year ago.
The number of shares outstanding for CTLP has been increased compared to 5 years ago.
The debt/assets ratio for CTLP has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.17 indicates that CTLP is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.17, CTLP belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
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.
The Debt to FCF ratio of CTLP (5.22) is better than 68.00% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that CTLP is not too dependend on debt financing.
CTLP has a Debt to Equity ratio of 0.15. This is in the better half of the industry: CTLP outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 5.22 | ||
| Altman-Z | 3.17 |
ROIC/WACC0.6
WACC9.09%
2.3 Liquidity
CTLP has a Current Ratio of 1.79. This is a normal value and indicates that CTLP is financially healthy and should not expect problems in meeting its short term obligations.
CTLP's Current ratio of 1.79 is fine compared to the rest of the industry. CTLP outperforms 71.00% of its industry peers.
A Quick Ratio of 1.22 indicates that CTLP should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.22, CTLP perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
| 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.
Looking at the last year, CTLP shows a quite strong growth in Revenue. The Revenue has grown by 12.51% in the last year.
The Revenue has been growing by 13.20% on average over the past years. This is quite good.
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
CTLP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 60.67% yearly.
The Revenue is expected to grow by 14.96% on average over the next years. This is quite good.
EPS Next Y346.08%
EPS Next 2Y78.39%
EPS Next 3Y60.67%
EPS Next 5YN/A
Revenue Next Year12.86%
Revenue Next 2Y14.1%
Revenue Next 3Y14.96%
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
CTLP is valuated reasonably with a Price/Earnings ratio of 10.86.
Compared to the rest of the industry, the Price/Earnings ratio of CTLP indicates a somewhat cheap valuation: CTLP is cheaper than 63.00% of the companies listed in the same industry.
CTLP is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 17.97, CTLP is valued on the expensive side.
CTLP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CTLP is more expensive than 65.00% of the companies in the same industry.
CTLP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 17.97 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CTLP is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as CTLP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.57 | ||
| EV/EBITDA | 17.05 |
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 2Y78.39%
EPS Next 3Y60.67%
5. Dividend
5.1 Amount
CTLP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
8.58
+0.11 (+1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners77.57%
Inst Owner Change-0.77%
Ins Owners4.65%
Ins Owner Change16.24%
Market Cap626.85M
Analysts85
Price Target12.75 (48.6%)
Short Float %4.28%
Short Ratio5.64
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)3.31%
EPS NQ rev (1m)-9.09%
EPS NQ rev (3m)-4.76%
EPS NY rev (1m)102.47%
EPS NY rev (3m)103.73%
Revenue NQ rev (1m)-3.03%
Revenue NQ rev (3m)-3%
Revenue NY rev (1m)-1.26%
Revenue NY rev (3m)-1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 17.97 | ||
| P/S | 2.14 | ||
| P/FCF | 83.57 | ||
| P/OCF | 24.9 | ||
| P/B | 2.58 | ||
| P/tB | 5.4 | ||
| EV/EBITDA | 17.05 |
EPS(TTM)0.79
EY9.21%
EPS(NY)0.48
Fwd EY5.56%
FCF(TTM)0.1
FCFY1.2%
OCF(TTM)0.34
OCFY4.02%
SpS4.01
BVpS3.33
TBVpS1.59
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 | 3.17 |
F-Score7
WACC9.09%
ROIC/WACC0.6
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 Y346.08%
EPS Next 2Y78.39%
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 Year12.86%
Revenue Next 2Y14.1%
Revenue Next 3Y14.96%
Revenue Next 5YN/A
EBIT growth 1Y21.72%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year217.61%
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