10.62 USD
+0.03 (+0.28%)
10.62 USD
0 (0%)
Overall CTLP gets a fundamental rating of 5 out of 10. We evaluated CTLP against 97 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.
CTLP had a positive operating cash flow in the past year.
In multiple years CTLP reported negative net income over the last 5 years.
CTLP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CTLP's Return On Assets of 15.27% is amongst the best of the industry. CTLP outperforms 94.85% of its industry peers.
CTLP has a Return On Equity of 23.36%. This is amongst the best in the industry. CTLP outperforms 87.63% of its industry peers.
CTLP's Return On Invested Capital of 7.35% is fine compared to the rest of the industry. CTLP outperforms 72.16% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CTLP is below the industry average of 8.44%.
The last Return On Invested Capital (7.35%) for CTLP is above the 3 year average (4.10%), which is a sign of increasing profitability.
| 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 73.20% of its industry peers.
The Operating Margin of CTLP (8.92%) is worse than 60.82% of its industry peers.
With a Gross Margin value of 41.11%, CTLP perfoms like the industry average, outperforming 59.79% 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 | 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CTLP is destroying value.
CTLP has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CTLP has more shares outstanding
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 85.57% of its industry peers.
The Debt to FCF ratio of CTLP is 1.69, which is an excellent value as it means it would take CTLP, only 1.69 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.69, CTLP is in the better half of the industry, outperforming 73.20% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that CTLP is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.14, CTLP is doing good in the industry, outperforming 70.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.69 | ||
| Altman-Z | 3.88 |
ROIC/WACC0.85
WACC8.62%
2.3 Liquidity
CTLP has a Current Ratio of 1.81. 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 1.81 is fine compared to the rest of the industry. CTLP outperforms 72.16% of its industry peers.
A Quick Ratio of 1.28 indicates that CTLP should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.28, CTLP is doing good in the industry, outperforming 62.89% of the companies in the same industry.
| 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.
Looking at the last year, CTLP shows a quite strong growth in Revenue. The Revenue has grown by 12.94% in the last year.
The Revenue has been growing by 13.14% on average over the past years. This is quite good.
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.
Based on estimates for the next years, CTLP will show a quite strong growth in Revenue. The Revenue will grow by 13.83% on average per year.
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
With a Price/Earnings ratio of 12.35, CTLP is valued correctly.
CTLP's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.76. CTLP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 20.02, 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 62.89% of the companies in the same industry.
CTLP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.96.
| 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'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
No dividends for CTLP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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 %9.7%
Short Ratio7.26
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)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)0%
EPS NQ rev (3m)-1.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
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
WACC8.62%
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 Year135.69%
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.
What is the valuation status for CTLP stock?
ChartMill assigns a valuation rating of 2 / 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 5 / 10.
What are the PE and PB ratios of CANTALOUPE INC (CTLP) stock?
The Price/Earnings (PE) ratio for CANTALOUPE INC (CTLP) is 12.35 and the Price/Book (PB) ratio is 3.07.
How financially healthy is CANTALOUPE INC?
The financial health rating of CANTALOUPE INC (CTLP) is 6 / 10.