LESAKA TECHNOLOGIES INC(NASDAQ:LSAK) stock Fundamental Analysis

Fundamental Rating

LSAK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. The financial health of LSAK is average, but there are quite some concerns on its profitability. While showing a medium growth rate, LSAK is valued expensive at the moment.

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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.

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

With a Return On Assets value of -3.84%, LSAK is not doing good in the industry: 87.13% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of -11.50%, LSAK is doing worse than 84.16% of the companies in the same industry.

Looking at the Return On Invested Capital, with a value of 1.28%, LSAK is in line with its industry, outperforming 43.56% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-3.84%
ROE	-11.5%
ROIC	1.28%

ROA(3y)-5.38%

ROA(5y)-8.38%

ROE(3y)-15.9%

ROE(5y)-17.57%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Operating Margin, with a value of 1.06%, LSAK is doing worse than 69.31% of the companies in the same industry.

The Gross Margin of LSAK (22.01%) is comparable to the rest of the industry.

In the last couple of years the Gross Margin of LSAK has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	1.06%
PM (TTM)	N/A
GM	22.01%

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%

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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.

The number of shares outstanding for LSAK has been increased compared to 5 years ago.

The debt/assets ratio for LSAK has been reduced compared to a year ago.

2.2 Solvency

LSAK has an Altman-Z score of 2.89. 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 (2.89) than 82.18% of its industry peers.

The Debt to FCF ratio of LSAK is 22.23, which is on the high side as it means it would take LSAK, 22.23 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 22.23, LSAK is in line with its industry, outperforming 45.54% of the companies in the same industry.

A Debt/Equity ratio of 0.84 indicates that LSAK is somewhat dependend on debt financing.

LSAK has a Debt to Equity ratio (0.84) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.84
Debt/FCF	22.23
Altman-Z	2.89

ROIC/WACC0.07

WACC17.87%

2.3 Liquidity

LSAK has a Current Ratio of 1.73. 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 Current ratio of 1.73. This is in the better half of the industry: LSAK outperforms 68.32% of its industry peers.

A Quick Ratio of 1.53 indicates that LSAK should not have too much problems paying its short term obligations.

LSAK has a Quick ratio of 1.53. This is in the better half of the industry: LSAK outperforms 68.32% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.73
Quick Ratio	1.53

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LSAK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.42%, which is quite impressive.

Looking at the last year, LSAK shows a small growth in Revenue. The Revenue has grown by 6.86% in the last year.

LSAK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.57% yearly.

EPS 1Y (TTM)42.42%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%150%

Revenue 1Y (TTM)6.86%

Revenue growth 3Y62.78%

Revenue growth 5Y28.57%

Sales Q2Q%2.03%

3.2 Future

The Earnings Per Share is expected to grow by 40.20% on average over the next years. This is a very strong growth

Based on estimates for the next years, LSAK will show a small growth in Revenue. The Revenue will grow by 7.39% on average per year.

EPS Next Y39.56%

EPS Next 2Y41.42%

EPS Next 3Y40.2%

EPS Next 5YN/A

Revenue Next Year-3.69%

Revenue Next 2Y7.39%

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.

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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.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, LSAK is valued a bit cheaper than the industry average as 61.39% of the companies are valued more expensively.

LSAK's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	53.86
EV/EBITDA	15.38

4.3 Compensation for Growth

A more expensive valuation may be justified as LSAK's earnings are expected to grow with 40.20% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y41.42%

EPS Next 3Y40.2%

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5. Dividend

5.1 Amount

LSAK does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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LESAKA TECHNOLOGIES INC

NASDAQ:LSAK (2/21/2025, 8:00:00 PM)

4.85

-0.05 (-1.02%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-05 2025-02-05/amc

Earnings (Next)N/A N/A

Inst Owners41.14%

Inst Owner ChangeN/A

Ins Owners3.83%

Ins Owner Change14.79%

Market Cap383.73M

Analysts82.86

Price Target8.16 (68.25%)

Short Float %0.07%

Short Ratio2.03

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)-51.14%

Min EPS beat(2)-71.57%

Max EPS beat(2)-30.72%

EPS beat(4)0

Avg EPS beat(4)-40.93%

Min EPS beat(4)-71.57%

Max EPS beat(4)-30.72%

EPS beat(8)1

Avg EPS beat(8)-33.13%

EPS beat(12)2

Avg EPS beat(12)-49.93%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-2.73%

Min Revenue beat(2)-4.09%

Max Revenue beat(2)-1.36%

Revenue beat(4)0

Avg Revenue beat(4)-3.68%

Min Revenue beat(4)-6.9%

Max Revenue beat(4)-1.36%

Revenue beat(8)2

Avg Revenue beat(8)-2.49%

Revenue beat(12)5

Avg Revenue beat(12)8.11%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)-33.33%

EPS NQ rev (3m)-33.33%

EPS NY rev (1m)-100%

EPS NY rev (3m)-6.67%

Revenue NQ rev (1m)-8.46%

Revenue NQ rev (3m)-12.94%

Revenue NY rev (1m)-3.36%

Revenue NY rev (3m)-7.33%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.54
P/FCF	53.86
P/OCF	18.03
P/B	2.08
P/tB	N/A
EV/EBITDA	15.38

EPS(TTM)-0.19

EYN/A

EPS(NY)0

Fwd EYN/A

FCF(TTM)0.09

FCFY1.86%

OCF(TTM)0.27

OCFY5.55%

SpS8.97

BVpS2.33

TBVpS-0.97

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-3.84%
ROE	-11.5%
ROCE	1.66%
ROIC	1.28%
ROICexc	1.43%
ROICexgc	3.84%
OM	1.06%
PM (TTM)	N/A
GM	22.01%
FCFM	1%

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-Score7

Asset Turnover1.29

Health

		Industry Rank	Sector Rank
Debt/Equity	0.84
Debt/FCF	22.23
Debt/EBITDA	4.89
Cap/Depr	58.76%
Cap/Sales	1.99%
Interest Coverage	0.43
Cash Conversion	67.28%
Profit Quality	N/A
Current Ratio	1.73
Quick Ratio	1.53
Altman-Z	2.89

F-Score7

WACC17.87%

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)42.42%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%150%

EPS Next Y39.56%

EPS Next 2Y41.42%

EPS Next 3Y40.2%

EPS Next 5YN/A

Revenue 1Y (TTM)6.86%

Revenue growth 3Y62.78%

Revenue growth 5Y28.57%

Sales Q2Q%2.03%

Revenue Next Year-3.69%

Revenue Next 2Y7.39%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y317.17%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year1309.68%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y115.69%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y157.51%

OCF growth 3YN/A

OCF growth 5YN/A

LESAKA TECHNOLOGIES INC (LSAK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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