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LESAKA TECHNOLOGIES INC (LSAK) Stock Fundamental Analysis

NASDAQ:LSAK - Nasdaq - US64107N2062 - Common Stock - Currency: USD

4.11  -0.12 (-2.84%)

Fundamental Rating

3

LSAK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. LSAK has a bad profitability rating. Also its financial health evaluation is rather negative. LSAK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

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.
LSAK had negative earnings in each of the past 5 years.
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

LSAK has a worse Return On Assets (-9.48%) than 89.11% of its industry peers.
LSAK has a worse Return On Equity (-33.22%) than 89.11% of its industry peers.
The Return On Invested Capital of LSAK (0.94%) is worse than 61.39% of its industry peers.
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 Operating Margin of 1.07%. This is in the lower half of the industry: LSAK underperforms 72.28% of its industry peers.
LSAK has a Gross Margin of 27.45%. This is comparable to the rest of the industry: LSAK outperforms 49.51% of its industry peers.
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

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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.
LSAK has more shares outstanding than it did 1 year ago.
LSAK has more shares outstanding than it did 5 years ago.
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 2.00. 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 2.00. This is in the better half of the industry: LSAK outperforms 76.24% 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 (1.03) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z 2
ROIC/WACC0.07
WACC13.69%
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.
Looking at the Current ratio, with a value of 1.37, LSAK is in the better half of the industry, outperforming 66.34% 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.
LSAK's Quick ratio of 1.25 is fine compared to the rest of the industry. LSAK outperforms 61.39% of its industry peers.
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

LSAK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.00%, which is quite impressive.
LSAK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.48%.
The Revenue has been growing by 28.57% on average over the past years. This is a very strong growth!
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

LSAK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.25% yearly.
LSAK is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.39% yearly.
EPS Next Y145.33%
EPS Next 2Y74.87%
EPS Next 3Y38.25%
EPS Next 5YN/A
Revenue Next Year-2.49%
Revenue Next 2Y-0.39%
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.
With a Price/Forward Earnings ratio of 14.39, LSAK is valued correctly.
LSAK's Price/Forward Earnings is on the same level as the industry average.
LSAK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 14.39
LSAK Price Earnings VS Forward Price EarningsLSAK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, LSAK is valued a bit cheaper than the industry average as 62.38% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.99
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 38.25% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y74.87%
EPS Next 3Y38.25%

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0

5. Dividend

5.1 Amount

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

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LESAKA TECHNOLOGIES INC

NASDAQ:LSAK (5/19/2025, 8:00:00 PM)

4.11

-0.12 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)N/A N/A
Inst Owners41.14%
Inst Owner ChangeN/A
Ins Owners3.83%
Ins Owner Change5.02%
Market Cap325.18M
Analysts82.86
Price Target8.16 (98.54%)
Short Float %0.13%
Short Ratio2.64
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)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)175%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.39
P/S 0.57
P/FCF N/A
P/OCF 107.93
P/B 1.76
P/tB N/A
EV/EBITDA 12.99
EPS(TTM)-0.15
EYN/A
EPS(NY)0.29
Fwd EY6.95%
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)0.04
OCFY0.93%
SpS7.26
BVpS2.34
TBVpS-2.11
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
F-Score4
WACC13.69%
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 Y145.33%
EPS Next 2Y74.87%
EPS Next 3Y38.25%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.48%
Revenue growth 3Y62.78%
Revenue growth 5Y28.57%
Sales Q2Q%-1.83%
Revenue Next Year-2.49%
Revenue Next 2Y-0.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1285.71%
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