Taking everything into account, LSAK scores 3 out of 10 in our fundamental rating. LSAK was compared to 97 industry peers in the Financial Services industry. LSAK has a bad profitability rating. Also its financial health evaluation is rather negative. LSAK is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
In multiple years LSAK reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -12.93%, LSAK is doing worse than 87.63% of the companies in the same industry.
LSAK has a worse Return On Equity (-49.55%) than 86.60% of its industry peers.
LSAK has a Return On Invested Capital (0.99%) which is in line with its industry peers.

		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 70.10% of its industry peers.
With a Gross Margin value of 27.93%, LSAK perfoms like the industry average, outperforming 47.42% of the companies in the same industry.
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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 5 years ago, LSAK has more shares outstanding
Compared to 1 year ago, LSAK has a worse debt to assets ratio.

2.2 Solvency

An Altman-Z score of 2.20 indicates that LSAK is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of LSAK (2.20) is better than 78.35% of its industry peers.
A Debt/Equity ratio of 1.22 is on the high side and indicates that LSAK has dependencies on debt financing.
With a Debt to Equity ratio value of 1.22, LSAK perfoms like the industry average, outperforming 41.24% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	N/A
Altman-Z	2.2

ROIC/WACC0.08

WACC12.82%

2.3 Liquidity

A Current Ratio of 1.61 indicates that LSAK should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.61, LSAK is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
A Quick Ratio of 1.48 indicates that LSAK should not have too much problems paying its short term obligations.
LSAK has a Quick ratio of 1.48. This is in the better half of the industry: LSAK outperforms 71.13% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.61
Quick Ratio	1.48

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 60.00% over the past year.
The Revenue has decreased by -3.40% in the past 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

Based on estimates for the next years, LSAK will show a very strong growth in Earnings Per Share. The EPS will grow by 52.26% on average per year.
The Revenue is expected to grow by 18.90% on average over the next years. This is quite good.

EPS Next Y225.08%

EPS Next 2Y127.49%

EPS Next 3Y52.26%

EPS Next 5YN/A

Revenue Next Year29.54%

Revenue Next 2Y18.9%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LSAK. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 12.23 indicates a correct valuation of LSAK.
LSAK's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of LSAK to the average of the S&P500 Index (25.96), we can say LSAK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	12.23

4.2 Price Multiples

LSAK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. LSAK is cheaper than 61.86% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	11.2

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.
LSAK's earnings are expected to grow with 52.26% in the coming years. This may justify a more expensive valuation.