CANTALOUPE INC (CTLP)
US1381031061 - Common Stock
We assign a fundamental rating of 4 out of 10 to CTLP. CTLP was compared to 99 industry peers in the Financial Services industry. While CTLP seems to be doing ok healthwise, there are quite some concerns on its profitability. CTLP is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
CTLP had positive earnings in the past year.
CTLP had a positive operating cash flow in the past year.
In the past 5 years CTLP reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: CTLP reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 4.16%, CTLP is doing good in the industry, outperforming 72.73% of the companies in the same industry.
The Return On Equity of CTLP (6.87%) is comparable to the rest of the industry.
CTLP has a Return On Invested Capital of 5.46%. This is in the better half of the industry: CTLP outperforms 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 6.87% | ||
| ROIC | 5.46% |
ROA(3y)0.82%
ROA(5y)-4.86%
ROE(3y)1.56%
ROE(5y)-8.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CTLP has a Profit Margin of 4.69%. This is in the lower half of the industry: CTLP underperforms 63.64% of its industry peers.
With a Operating Margin value of 5.53%, CTLP is not doing good in the industry: 64.65% of the companies in the same industry are doing better.
Looking at the Gross Margin, with a value of 38.73%, CTLP is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
In the last couple of years the Gross Margin of CTLP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.53% | ||
| PM (TTM) | 4.69% | ||
| GM | 38.73% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.71%
GM growth 5Y6.56%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CTLP is destroying value.
The number of shares outstanding for CTLP has been increased compared to 1 year ago.
The number of shares outstanding for CTLP has been increased compared to 5 years ago.
The debt/assets ratio for CTLP has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.21 indicates that CTLP is not in any danger for bankruptcy at the moment.
CTLP's Altman-Z score of 3.21 is amongst the best of the industry. CTLP outperforms 84.85% of its industry peers.
CTLP has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
CTLP has a better Debt to Equity ratio (0.19) than 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.21 |
ROIC/WACC0.6
WACC9.15%
2.3 Liquidity
A Current Ratio of 1.60 indicates that CTLP should not have too much problems paying its short term obligations.
The Current ratio of CTLP (1.60) is better than 68.69% of its industry peers.
A Quick Ratio of 1.03 indicates that CTLP should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.03, CTLP is in line with its industry, outperforming 49.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.00% over the past year.
CTLP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.35%.
The Revenue has been growing by 13.20% on average over the past years. This is quite good.
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)11.35%
Revenue growth 3Y17.19%
Revenue growth 5Y13.2%
Sales Q2Q%13.01%
3.2 Future
The Earnings Per Share is expected to grow by 78.01% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 15.00% on average over the next years. This is quite good.
EPS Next Y114.88%
EPS Next 2Y78.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.07%
Revenue Next 2Y15%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 56.35, the valuation of CTLP can be described as expensive.
74.75% of the companies in the same industry are cheaper than CTLP, based on the Price/Earnings ratio.
CTLP is valuated expensively when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 20.15, CTLP is valued on the expensive side.
Based on the Price/Forward Earnings ratio, CTLP is valued a bit more expensive than 65.66% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CTLP to the average of the S&P500 Index (22.83), we can say CTLP is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.35 | ||
| Fwd PE | 20.15 |
4.2 Price Multiples
CTLP's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 24.75 |
4.3 Compensation for Growth
CTLP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CTLP's earnings are expected to grow with 78.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y78.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CTLP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CANTALOUPE INC
NASDAQ:CTLP (12/20/2024, 8:04:19 PM)
After market: 9.0001 -0.58 (-6.05%)9.58
+0.27 (+2.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners74.48%
Inst Owner Change-0.97%
Ins Owners4.65%
Ins Owner Change19.55%
Market Cap699.24M
Analysts85
Price Target11.73 (22.44%)
Short Float %3.36%
Short Ratio5.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)-21.35%
Min EPS beat(2)-36.06%
Max EPS beat(2)-6.63%
EPS beat(4)2
Avg EPS beat(4)8.4%
Min EPS beat(4)-36.06%
Max EPS beat(4)42.6%
EPS beat(8)5
Avg EPS beat(8)63.48%
EPS beat(12)7
Avg EPS beat(12)-41.54%
EPS beat(16)11
Avg EPS beat(16)-2.85%
Revenue beat(2)0
Avg Revenue beat(2)-4.29%
Min Revenue beat(2)-6.19%
Max Revenue beat(2)-2.38%
Revenue beat(4)0
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-6.19%
Max Revenue beat(4)-2.38%
Revenue beat(8)1
Avg Revenue beat(8)-2.74%
Revenue beat(12)4
Avg Revenue beat(12)-1.45%
Revenue beat(16)6
Avg Revenue beat(16)-1.69%
PT rev (1m)11.65%
PT rev (3m)6.98%
EPS NQ rev (1m)-3.23%
EPS NQ rev (3m)5.88%
EPS NY rev (1m)4.64%
EPS NY rev (3m)17.91%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-1.02%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.35 | ||
| Fwd PE | 20.15 | ||
| P/S | 2.53 | ||
| P/FCF | N/A | ||
| P/OCF | 77.46 | ||
| P/B | 3.7 | ||
| P/tB | 11.76 | ||
| EV/EBITDA | 24.75 |
EPS(TTM)0.17
EY1.77%
EPS(NY)0.48
Fwd EY4.96%
FCF(TTM)-0.09
FCFYN/A
OCF(TTM)0.12
OCFY1.29%
SpS3.79
BVpS2.59
TBVpS0.81
PEG (NY)0.49
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 6.87% | ||
| ROCE | 6.52% | ||
| ROIC | 5.46% | ||
| ROICexc | 6.35% | ||
| ROICexgc | 17.72% | ||
| OM | 5.53% | ||
| PM (TTM) | 4.69% | ||
| GM | 38.73% | ||
| FCFM | N/A |
ROA(3y)0.82%
ROA(5y)-4.86%
ROE(3y)1.56%
ROE(5y)-8.43%
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 3Y5.71%
GM growth 5Y6.56%
F-Score8
Asset Turnover0.89
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.3 | ||
| Cap/Depr | 128.44% | ||
| Cap/Sales | 5.71% | ||
| Interest Coverage | 4.2 | ||
| Cash Conversion | 32.68% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 3.21 |
F-Score8
WACC9.15%
ROIC/WACC0.6
Cap/Depr(3y)159.81%
Cap/Depr(5y)109.8%
Cap/Sales(3y)5.57%
Cap/Sales(5y)3.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y114.88%
EPS Next 2Y78.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.35%
Revenue growth 3Y17.19%
Revenue growth 5Y13.2%
Sales Q2Q%13.01%
Revenue Next Year15.07%
Revenue Next 2Y15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year209.44%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y76.98%
FCF growth 3Y26.42%
FCF growth 5YN/A
OCF growth 1Y153.51%
OCF growth 3Y50.25%
OCF growth 5YN/A