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LESAKA TECHNOLOGIES INC (LSAK) Stock Fundamental Analysis

NASDAQ:LSAK - US64107N2062 - Common Stock

4.61 USD
-0.06 (-1.28%)
Last: 9/5/2025, 8:27:37 PM
Fundamental Rating

3

LSAK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. LSAK has a bad profitability rating. Also its financial health evaluation is rather negative. LSAK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

LSAK had negative earnings in the past year.
In the past year LSAK had a positive cash flow from operations.
In the past 5 years LSAK always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: LSAK reported negative operating cash flow in multiple years.
LSAK Yearly Net Income VS EBIT VS OCF VS FCFLSAK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M -300M

1.2 Ratios

The Return On Assets of LSAK (-9.48%) is worse than 89.22% of its industry peers.
LSAK has a worse Return On Equity (-33.22%) than 89.22% of its industry peers.
The Return On Invested Capital of LSAK (0.94%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA -9.48%
ROE -33.22%
ROIC 0.94%
ROA(3y)-5.38%
ROA(5y)-8.38%
ROE(3y)-15.9%
ROE(5y)-17.57%
ROIC(3y)N/A
ROIC(5y)N/A
LSAK Yearly ROA, ROE, ROICLSAK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60 -80

1.3 Margins

LSAK has a worse Operating Margin (1.07%) than 74.51% of its industry peers.
LSAK has a Gross Margin (27.45%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of LSAK has remained more or less at the same level.
Industry RankSector Rank
OM 1.07%
PM (TTM) N/A
GM 27.45%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.52%
GM growth 5Y-1.06%
LSAK Yearly Profit, Operating, Gross MarginsLSAK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LSAK is destroying value.
Compared to 1 year ago, LSAK has more shares outstanding
Compared to 5 years ago, LSAK has more shares outstanding
Compared to 1 year ago, LSAK has an improved debt to assets ratio.
LSAK Yearly Shares OutstandingLSAK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
LSAK Yearly Total Debt VS Total AssetsLSAK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

LSAK has an Altman-Z score of 2.05. This is not the best score and indicates that LSAK is in the grey zone with still only limited risk for bankruptcy at the moment.
LSAK's Altman-Z score of 2.05 is fine compared to the rest of the industry. LSAK outperforms 76.47% of its industry peers.
A Debt/Equity ratio of 1.03 is on the high side and indicates that LSAK has dependencies on debt financing.
The Debt to Equity ratio of LSAK (1.03) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z 2.05
ROIC/WACC0.07
WACC13.55%
LSAK Yearly LT Debt VS Equity VS FCFLSAK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

LSAK has a Current Ratio of 1.37. This is a normal value and indicates that LSAK is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Current ratio value of 1.37, LSAK is doing good in the industry, outperforming 62.75% of the companies in the same industry.
A Quick Ratio of 1.25 indicates that LSAK should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.25, LSAK is doing good in the industry, outperforming 60.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.37
Quick Ratio 1.25
LSAK Yearly Current Assets VS Current LiabilitesLSAK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 50.00% over the past year.
The Revenue for LSAK has decreased by -16.48% in the past year. This is quite bad
LSAK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.57% yearly.
EPS 1Y (TTM)50%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.67%
Revenue 1Y (TTM)-16.48%
Revenue growth 3Y62.78%
Revenue growth 5Y28.57%
Sales Q2Q%-1.83%

3.2 Future

The Earnings Per Share is expected to grow by 36.24% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.66% on average over the next years.
EPS Next Y149.11%
EPS Next 2Y73.78%
EPS Next 3Y36.24%
EPS Next 5YN/A
Revenue Next Year-1.49%
Revenue Next 2Y5.66%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LSAK Yearly Revenue VS EstimatesLSAK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
LSAK Yearly EPS VS EstimatesLSAK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 -2 -3

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4

4. Valuation

4.1 Price/Earnings Ratio

LSAK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 16.74 indicates a correct valuation of LSAK.
The rest of the industry has a similar Price/Forward Earnings ratio as LSAK.
LSAK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.69.
Industry RankSector Rank
PE N/A
Fwd PE 16.74
LSAK Price Earnings VS Forward Price EarningsLSAK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, LSAK is valued a bit cheaper than 61.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.12
LSAK Per share dataLSAK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

4.3 Compensation for Growth

The 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 LSAK's earnings are expected to grow with 36.24% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y73.78%
EPS Next 3Y36.24%

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0

5. Dividend

5.1 Amount

No dividends for LSAK!.
Industry RankSector Rank
Dividend Yield N/A

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LESAKA TECHNOLOGIES INC

NASDAQ:LSAK (9/5/2025, 8:27:37 PM)

4.61

-0.06 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)09-10 2025-09-10/amc
Inst Owners40.64%
Inst Owner ChangeN/A
Ins Owners3.9%
Ins Owner Change5.04%
Market Cap374.56M
Analysts82.86
Price Target8.16 (77.01%)
Short Float %0.2%
Short Ratio4.59
Dividend
Industry RankSector 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)-32.68%
Min EPS beat(2)-198.04%
Max EPS beat(2)132.68%
EPS beat(4)1
Avg EPS beat(4)-41.91%
Min EPS beat(4)-198.04%
Max EPS beat(4)132.68%
EPS beat(8)1
Avg EPS beat(8)-36.68%
EPS beat(12)2
Avg EPS beat(12)-53.76%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)7.38%
Min Revenue beat(2)2.32%
Max Revenue beat(2)12.45%
Revenue beat(4)2
Avg Revenue beat(4)2.33%
Min Revenue beat(4)-4.09%
Max Revenue beat(4)12.45%
Revenue beat(8)3
Avg Revenue beat(8)-0.01%
Revenue beat(12)6
Avg Revenue beat(12)9.82%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
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)8.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.74
P/S 0.65
P/FCF N/A
P/OCF 124.32
P/B 2.02
P/tB N/A
EV/EBITDA 14.12
EPS(TTM)-0.15
EYN/A
EPS(NY)0.28
Fwd EY5.97%
FCF(TTM)-0.21
FCFYN/A
OCF(TTM)0.04
OCFY0.8%
SpS7.07
BVpS2.28
TBVpS-2.05
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -9.48%
ROE -33.22%
ROCE 1.24%
ROIC 0.94%
ROICexc 1.09%
ROICexgc 5.13%
OM 1.07%
PM (TTM) N/A
GM 27.45%
FCFM N/A
ROA(3y)-5.38%
ROA(5y)-8.38%
ROE(3y)-15.9%
ROE(5y)-17.57%
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 3Y-6.52%
GM growth 5Y-1.06%
F-Score4
Asset Turnover0.88
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Debt/EBITDA 5.39
Cap/Depr 69.16%
Cap/Sales 3.51%
Interest Coverage 0.41
Cash Conversion 8.54%
Profit Quality N/A
Current Ratio 1.37
Quick Ratio 1.25
Altman-Z 2.05
F-Score4
WACC13.55%
ROIC/WACC0.07
Cap/Depr(3y)61.78%
Cap/Depr(5y)65.94%
Cap/Sales(3y)2.5%
Cap/Sales(5y)2.98%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.67%
EPS Next Y149.11%
EPS Next 2Y73.78%
EPS Next 3Y36.24%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.48%
Revenue growth 3Y62.78%
Revenue growth 5Y28.57%
Sales Q2Q%-1.83%
Revenue Next Year-1.49%
Revenue Next 2Y5.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1349.79%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.83%
OCF growth 3YN/A
OCF growth 5YN/A