4.36 USD
-0.08 (-1.8%)
Overall LSAK gets a fundamental rating of 3 out of 10. We evaluated LSAK against 99 industry peers in the Financial Services industry. Both the profitability and financial health of LSAK have multiple concerns. LSAK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year LSAK has reported negative net income.
In the past year LSAK had a positive cash flow from operations.
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.
1.2 Ratios
LSAK's Return On Assets of -12.93% is on the low side compared to the rest of the industry. LSAK is outperformed by 86.87% of its industry peers.
LSAK's Return On Equity of -49.55% is on the low side compared to the rest of the industry. LSAK is outperformed by 85.86% of its industry peers.
With a Return On Invested Capital value of 0.99%, LSAK perfoms like the industry average, outperforming 41.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -12.93% | ||
| ROE | -49.55% | ||
| ROIC | 0.99% |
ROA(3y)-7.46%
ROA(5y)-7.58%
ROE(3y)-26.7%
ROE(5y)-22.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LSAK has a Operating Margin of 0.95%. This is in the lower half of the industry: LSAK underperforms 69.70% of its industry peers.
LSAK has a Gross Margin (27.93%) which is in line with its industry peers.
LSAK's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.95% | ||
| PM (TTM) | N/A | ||
| GM | 27.93% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.47%
GM growth 5Y-2.05%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LSAK is destroying value.
LSAK has more shares outstanding than it did 1 year ago.
The number of shares outstanding for LSAK has been increased compared to 5 years ago.
The debt/assets ratio for LSAK is higher compared to a year ago.
2.2 Solvency
LSAK has an Altman-Z score of 2.18. 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.
Looking at the Altman-Z score, with a value of 2.18, LSAK is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
A Debt/Equity ratio of 1.22 is on the high side and indicates that LSAK has dependencies on debt financing.
LSAK's Debt to Equity ratio of 1.22 is in line compared to the rest of the industry. LSAK outperforms 41.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.18 |
ROIC/WACC0.08
WACC12.07%
2.3 Liquidity
LSAK has a Current Ratio of 1.61. 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 1.61, LSAK is doing good in the industry, outperforming 71.72% of the companies in the same industry.
LSAK has a Quick Ratio of 1.48. This is a normal value and indicates that LSAK is financially healthy and should not expect problems in meeting its short term obligations.
LSAK has a Quick ratio of 1.48. This is in the better half of the industry: LSAK outperforms 70.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.48 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 60.00% over the past year.
Looking at the last year, LSAK shows a decrease in Revenue. The Revenue has decreased by -3.40% in the last year.
LSAK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.52% yearly.
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.57%
Revenue 1Y (TTM)-3.4%
Revenue growth 3Y43.64%
Revenue growth 5Y35.52%
Sales Q2Q%17.8%
3.2 Future
LSAK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 52.26% yearly.
LSAK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.74% yearly.
EPS Next Y254.13%
EPS Next 2Y131.82%
EPS Next 3Y52.26%
EPS Next 5YN/A
Revenue Next Year29.25%
Revenue Next 2Y18.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for LSAK. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 10.77, which indicates a very decent valuation of LSAK.
The rest of the industry has a similar Price/Forward Earnings ratio as LSAK.
The average S&P500 Price/Forward Earnings ratio is at 24.04. LSAK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.77 |
4.2 Price Multiples
LSAK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. LSAK is cheaper than 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.88 |
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 52.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y131.82%
EPS Next 3Y52.26%
5. Dividend
5.1 Amount
LSAK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:LSAK (12/26/2025, 8:00:00 PM)
4.36
-0.08 (-1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners39.32%
Inst Owner ChangeN/A
Ins Owners3.77%
Ins Owner Change0.23%
Market Cap366.63M
Revenue(TTM)685.60M
Net Income(TTM)-84.42M
Analysts82.86
Price Target8.16 (87.16%)
Short Float %0.18%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-183.82%
Min EPS beat(2)-222.55%
Max EPS beat(2)-145.1%
EPS beat(4)1
Avg EPS beat(4)-108.25%
Min EPS beat(4)-222.55%
Max EPS beat(4)132.68%
EPS beat(8)1
Avg EPS beat(8)-74.59%
EPS beat(12)2
Avg EPS beat(12)-58.17%
EPS beat(16)3
Avg EPS beat(16)-64.51%
Revenue beat(2)2
Avg Revenue beat(2)39.88%
Min Revenue beat(2)6.38%
Max Revenue beat(2)73.38%
Revenue beat(4)4
Avg Revenue beat(4)23.63%
Min Revenue beat(4)2.32%
Max Revenue beat(4)73.38%
Revenue beat(8)4
Avg Revenue beat(8)9.98%
Revenue beat(12)6
Avg Revenue beat(12)6.21%
Revenue beat(16)9
Avg Revenue beat(16)11.99%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-111.11%
EPS NY rev (1m)1713.3%
EPS NY rev (3m)-32.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.75%
Revenue NY rev (1m)10.4%
Revenue NY rev (3m)14.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.77 | ||
| P/S | 0.53 | ||
| P/FCF | N/A | ||
| P/OCF | 93.1 | ||
| P/B | 2.15 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.88 |
EPS(TTM)-0.1
EYN/A
EPS(NY)0.4
Fwd EY9.29%
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)0.05
OCFY1.07%
SpS8.15
BVpS2.03
TBVpS-2.01
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -12.93% | ||
| ROE | -49.55% | ||
| ROCE | 1.29% | ||
| ROIC | 0.99% | ||
| ROICexc | 1.16% | ||
| ROICexgc | 4.92% | ||
| OM | 0.95% | ||
| PM (TTM) | N/A | ||
| GM | 27.93% | ||
| FCFM | N/A |
ROA(3y)-7.46%
ROA(5y)-7.58%
ROE(3y)-26.7%
ROE(5y)-22.49%
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 3Y2.47%
GM growth 5Y-2.05%
F-Score3
Asset Turnover1.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.44 | ||
| Cap/Depr | 54.74% | ||
| Cap/Sales | 3.22% | ||
| Interest Coverage | 0.31 | ||
| Cash Conversion | 8.41% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.48 | ||
| Altman-Z | 2.18 |
F-Score3
WACC12.07%
ROIC/WACC0.08
Cap/Depr(3y)62.46%
Cap/Depr(5y)69.58%
Cap/Sales(3y)2.88%
Cap/Sales(5y)2.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.57%
EPS Next Y254.13%
EPS Next 2Y131.82%
EPS Next 3Y52.26%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.4%
Revenue growth 3Y43.64%
Revenue growth 5Y35.52%
Sales Q2Q%17.8%
Revenue Next Year29.25%
Revenue Next 2Y18.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-13.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year2964.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-408.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-65.68%
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 3 / 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 254.13% in the next year.