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LESAKA TECHNOLOGIES INC (LSAK) Stock Fundamental Analysis

USA - NASDAQ:LSAK - US64107N2062 - Common Stock

4.21 USD
-0.04 (-0.94%)
Last: 10/3/2025, 12:50:30 PM
Fundamental Rating

2

Overall LSAK gets a fundamental rating of 2 out of 10. We evaluated LSAK against 100 industry peers in the Financial Services industry. LSAK may be in some trouble as it scores bad on both profitability and health. LSAK has a valuation in line with the averages, but on the other hand it scores bad on growth.


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.
LSAK had a positive operating cash flow in the past year.
LSAK had negative earnings in each of the past 5 years.
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's Return On Assets of -9.48% is on the low side compared to the rest of the industry. LSAK is outperformed by 89.00% of its industry peers.
The Return On Equity of LSAK (-33.22%) is worse than 89.00% of its industry peers.
LSAK's Return On Invested Capital of 0.94% is on the low side compared to the rest of the industry. LSAK is outperformed by 60.00% 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 75.00% of its industry peers.
LSAK's Gross Margin of 27.45% is in line compared to the rest of the industry. LSAK outperforms 44.00% 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 2.01. 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 2.01. This is in the better half of the industry: LSAK outperforms 77.00% 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.
The Debt to Equity ratio of LSAK (1.03) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z 2.01
ROIC/WACC0.07
WACC13.28%
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.
LSAK has a better Current ratio (1.37) than 62.00% 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 59.00% 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

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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 92.59%, which is quite impressive.
EPS 1Y (TTM)92.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-43.85%

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 120.15% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y1477%
EPS Next 2Y202.32%
EPS Next 3Y120.15%
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

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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.
LSAK is valuated correctly with a Price/Forward Earnings ratio of 15.29.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LSAK is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of LSAK to the average of the S&P500 Index (23.29), we can say LSAK is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 15.29
LSAK Price Earnings VS Forward Price EarningsLSAK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100 -150 -200

4.2 Price Multiples

LSAK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. LSAK is cheaper than 62.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 13.29
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 120.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y202.32%
EPS Next 3Y120.15%

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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 (10/3/2025, 12:50:30 PM)

4.21

-0.04 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-10 2025-09-10/amc
Earnings (Next)11-06 2025-11-06
Inst Owners42.61%
Inst Owner ChangeN/A
Ins Owners3.9%
Ins Owner Change0.67%
Market Cap342.06M
Analysts82.86
Price Target8.16 (93.82%)
Short Float %0.17%
Short Ratio2.68
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)8.33%
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 15.29
P/S 0.6
P/FCF N/A
P/OCF 113.53
P/B 1.85
P/tB N/A
EV/EBITDA 13.29
EPS(TTM)-0.02
EYN/A
EPS(NY)0.28
Fwd EY6.54%
FCF(TTM)-0.21
FCFYN/A
OCF(TTM)0.04
OCFY0.88%
SpS7.07
BVpS2.28
TBVpS-2.05
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 2.01
F-Score4
WACC13.28%
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)92.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.5%
EPS Next Y1477%
EPS Next 2Y202.32%
EPS Next 3Y120.15%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-43.85%
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