3.77 USD
-0.01 (-0.26%)
4.35 USD
+0.58 (+15.38%)
LSAK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. LSAK may be in some trouble as it scores bad on both profitability and health. LSAK is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LSAK has reported negative net income.
LSAK had a positive operating cash flow in the past year.
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.
1.2 Ratios
LSAK has a Return On Assets of -12.93%. This is amonst the worse of the industry: LSAK underperforms 87.76% of its industry peers.
Looking at the Return On Equity, with a value of -49.55%, LSAK is doing worse than 86.73% of the companies in the same industry.
LSAK's Return On Invested Capital of 0.99% is on the low side compared to the rest of the industry. LSAK is outperformed by 61.22% of 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
The Operating Margin of LSAK (0.95%) is worse than 72.45% of its industry peers.
LSAK has a Gross Margin of 27.93%. This is comparable to the rest of the industry: LSAK outperforms 46.94% of 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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 2.11. 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 better Altman-Z score (2.11) than 77.55% 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.
LSAK's Debt to Equity ratio of 1.22 is in line compared to the rest of the industry. LSAK outperforms 41.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.11 |
ROIC/WACC0.08
WACC11.83%
2.3 Liquidity
A Current Ratio of 1.61 indicates that LSAK should not have too much problems paying its short term obligations.
LSAK has a Current ratio of 1.61. This is in the better half of the industry: LSAK outperforms 71.43% of its industry peers.
A Quick Ratio of 1.48 indicates that LSAK should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.48, LSAK is doing good in the industry, outperforming 70.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.48 |
3. Growth
3.1 Past
LSAK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.00%, which is quite impressive.
The Revenue has decreased by -3.40% in the past year.
The Revenue has been growing by 35.52% on average over the past years. This is a very strong growth!
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 51.03% on average per year.
LSAK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.10% yearly.
EPS Next Y108.5%
EPS Next 2Y80.97%
EPS Next 3Y51.03%
EPS Next 5YN/A
Revenue Next Year17.08%
Revenue Next 2Y12.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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 rather expensively with a Price/Forward Earnings ratio of 24.64.
LSAK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. LSAK is more expensive than 66.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. LSAK is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 24.64 |
4.2 Price Multiples
67.35% of the companies in the same industry are more expensive than LSAK, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.64 |
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 2Y80.97%
EPS Next 3Y51.03%
5. Dividend
5.1 Amount
No dividends for LSAK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
3.77
-0.01 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners42.61%
Inst Owner ChangeN/A
Ins Owners3.9%
Ins Owner Change0%
Market Cap315.44M
Revenue(TTM)685.60M
Net Income(TTM)-84.42M
Analysts82.86
Price Target8.16 (116.45%)
Short Float %0.19%
Short Ratio2.69
Dividend
| Industry Rank | Sector 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)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)-111.11%
EPS NQ rev (3m)-111.11%
EPS NY rev (1m)-96.3%
EPS NY rev (3m)-96.3%
Revenue NQ rev (1m)3.75%
Revenue NQ rev (3m)3.75%
Revenue NY rev (1m)3.31%
Revenue NY rev (3m)3.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 24.64 | ||
| P/S | 0.46 | ||
| P/FCF | N/A | ||
| P/OCF | 80.1 | ||
| P/B | 1.85 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.64 |
EPS(TTM)-0.1
EYN/A
EPS(NY)0.15
Fwd EY4.06%
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)0.05
OCFY1.25%
SpS8.19
BVpS2.04
TBVpS-2.02
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 | 2.11 |
F-Score3
WACC11.83%
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 Y108.5%
EPS Next 2Y80.97%
EPS Next 3Y51.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.4%
Revenue growth 3Y43.64%
Revenue growth 5Y35.52%
Sales Q2Q%17.8%
Revenue Next Year17.08%
Revenue Next 2Y12.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-13.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year2772.3%
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 3 / 10 to LESAKA TECHNOLOGIES INC (LSAK). This can be considered as Overvalued.
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 108.5% in the next year.