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LESAKA TECHNOLOGIES INC (LSAK) Stock Fundamental Analysis

USA - NASDAQ:LSAK - US64107N2062 - Common Stock

4.32 USD
-0.03 (-0.69%)
Last: 10/28/2025, 8:05:53 PM
Fundamental Rating

2

Taking everything into account, LSAK scores 2 out of 10 in our fundamental rating. LSAK was compared to 99 industry peers in the Financial Services industry. LSAK has a bad profitability rating. Also its financial health evaluation is rather negative. LSAK has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

LSAK had negative earnings in the past year.
LSAK had a positive operating cash flow in the past year.
In the past 5 years LSAK always reported negative net income.
In multiple years LSAK reported negative operating cash flow during the last 5 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

LSAK has a Return On Assets of -9.48%. This is amonst the worse of the industry: LSAK underperforms 87.88% of its industry peers.
LSAK has a Return On Equity of -33.22%. This is amonst the worse of the industry: LSAK underperforms 87.88% 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 72.73% of its industry peers.
Looking at the Gross Margin, with a value of 27.45%, LSAK is in line with its industry, outperforming 46.46% of the companies in the same industry.
LSAK's Gross Margin has been stable in the last couple of years.
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

3

2. Health

2.1 Basic Checks

LSAK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
There is no outstanding debt for LSAK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 2.03. 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 has a Altman-Z score of 2.03. This is in the better half of the industry: LSAK outperforms 76.77% of its industry peers.
LSAK has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
LSAK has a Debt to Equity ratio of 1.03. This is comparable to the rest of the industry: LSAK outperforms 43.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z 2.03
ROIC/WACC0.07
WACC12.64%
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.
The Current ratio of LSAK (1.37) is better than 61.62% of its industry peers.
LSAK has a Quick Ratio of 1.25. This is a normal value and indicates that LSAK is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.25, LSAK is in line with its industry, outperforming 59.60% 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

1

3. Growth

3.1 Past

LSAK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.56%, which is quite impressive.
EPS 1Y (TTM)55.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%58.63%

3.2 Future

Based on estimates for the next years, LSAK will show a very strong growth in Earnings Per Share. The EPS will grow by 51.03% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y329.5%
EPS Next 2Y78.61%
EPS Next 3Y51.03%
EPS Next 5YN/A
Revenue Next Year13.32%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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 2028 0 1 -1 2 -2 -3

4

4. Valuation

4.1 Price/Earnings Ratio

LSAK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
LSAK is valuated correctly with a Price/Forward Earnings ratio of 15.69.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LSAK is on the same level as its industry peers.
LSAK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 15.69
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 61.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.75
LSAK Per share dataLSAK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

LSAK'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 LSAK's earnings are expected to grow with 51.03% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y78.61%
EPS Next 3Y51.03%

0

5. Dividend

5.1 Amount

LSAK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

LESAKA TECHNOLOGIES INC

NASDAQ:LSAK (10/28/2025, 8:05:53 PM)

4.32

-0.03 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-10 2025-09-10/amc
Earnings (Next)11-05 2025-11-05
Inst Owners42.61%
Inst Owner ChangeN/A
Ins Owners3.9%
Ins Owner Change0%
Market Cap361.45M
Revenue(TTM)N/A
Net Income(TTM)-61530000
Analysts82.86
Price Target8.16 (88.89%)
Short Float %0.16%
Short Ratio2.48
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)0%
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 15.69
P/S 0.63
P/FCF N/A
P/OCF 119.97
P/B 1.95
P/tB N/A
EV/EBITDA 13.75
EPS(TTM)-0.12
EYN/A
EPS(NY)0.28
Fwd EY6.38%
FCF(TTM)-0.2
FCFYN/A
OCF(TTM)0.04
OCFY0.83%
SpS6.86
BVpS2.21
TBVpS-1.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
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 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 2.03
F-Score4
WACC12.64%
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)55.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
EPS Next Y329.5%
EPS Next 2Y78.61%
EPS Next 3Y51.03%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%58.63%
Revenue Next Year13.32%
Revenue Next 2YN/A
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

LESAKA TECHNOLOGIES INC / LSAK FAQ

Can you provide the ChartMill fundamental rating for LESAKA TECHNOLOGIES INC?

ChartMill assigns a fundamental rating of 2 / 10 to LSAK.


Can you provide the valuation status for LESAKA TECHNOLOGIES INC?

ChartMill assigns a valuation rating of 4 / 10 to LESAKA TECHNOLOGIES INC (LSAK). This can be considered as Fairly Valued.


How profitable is LESAKA TECHNOLOGIES INC (LSAK) stock?

LESAKA TECHNOLOGIES INC (LSAK) has a profitability rating of 1 / 10.


Can you provide the financial health for LSAK stock?

The financial health rating of LESAKA TECHNOLOGIES INC (LSAK) is 3 / 10.


What is the expected EPS growth for LESAKA TECHNOLOGIES INC (LSAK) stock?

The Earnings per Share (EPS) of LESAKA TECHNOLOGIES INC (LSAK) is expected to grow by 329.5% in the next year.