A Business at a Glance
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LESAKA TECHNOLOGIES INC
LSAK
$347M
Mkt Cap
$4.52
-4.84%
LESAKA TECHNOLOGIES INC (LSAK) has a 5-year average return on invested capital (ROIC) of -13.9%. This is below average and may indicate limited pricing power.
LESAKA TECHNOLOGIES INC (LSAK) has a market capitalization of $376M. It is classified as a small-cap stock.
LESAKA TECHNOLOGIES INC (LSAK) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 3.63%.
LESAKA TECHNOLOGIES INC (LSAK) operates in the Functions Related To Depository Banking, Nec industry, within the Financials sector.
LESAKA TECHNOLOGIES INC (LSAK) reported annual revenue of $660 million in its most recent fiscal year, based on SEC EDGAR filings.
LESAKA TECHNOLOGIES INC (LSAK) has a net profit margin of -13.3%. The company is currently unprofitable.
LESAKA TECHNOLOGIES INC (LSAK) generated $-26 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Lesaka enables underserviced consumers and businesses in the southern cone of Africa to manage their daily financial activities in a better way, improving people's lives and increasing financial inclusion in the markets in which we operate. We have developed a unique ecosystem of communities that provides: (1) over 2 million consumers with specialized banking, credit, insurance and payout solutions to facilitate their daily commercial activities more efficiently and effectively; and (3) over 750 enterprises with proprietary network capabilities to facilitate payments between consumers and businesses in a fast and secure manner.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 765M | 660M | 564M | 528M | 223M | 131M |
| Net Income | -29M | -88M | -17M | -35M | -44M | -38M |
| EPS | $-54.63 | $-1.14 | $-0.27 | $-0.56 | $-0.75 | $-0.67 |
| Free Cash Flow | 14M | -26M | 16M | -16M | -42M | -63M |
| ROIC | -4.6% | -26.6% | -5.7% | -10.3% | -13.6% | -13.4% |
| Gross Margin | - | 26.2% | 21.5% | 20.9% | 24.4% | 26.4% |
| Debt/Equity | 1.51 | 1.21 | 0.81 | 0.74 | 1.18 | 0.00 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | -22M | -27M | 3.6M | -15M | -40M | -54M |
| Operating Margin | -2.9% | -4.1% | 0.6% | -2.9% | -18.1% | -41.2% |
| ROE | -15.7% | -51.3% | -9.8% | -16.9% | -17.2% | -13.4% |
| Shares Outstanding | 83M | 77M | 65M | 63M | 59M | 57M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | N/A | 62M | 47M | 54M | 55M | 161M | 144M | 131M | 223M | 528M | 564M | 660M | 765M |
| Gross Margin | 55.3% | 52.4% | 50.9% | 52.1% | 50.3% | 22.0% | 29.1% | 26.4% | 24.4% | 20.9% | 21.5% | 26.2% | N/A |
| R&D | 2.2M | 2.4M | 2.3M | 2.0M | 800K | 700K | 1.6M | 300K | 500K | 500K | 500K | 500K | 500K |
| SG&A | 168M | 159M | 146M | 179M | 131M | 145M | 75M | 84M | 75M | 95M | 92M | 132M | 147M |
| EBIT | 102M | 129M | 114M | 97M | 54M | -135M | -44M | -54M | -40M | -15M | 3.6M | -27M | -22M |
| Op. Margin | N/A | N/A | N/A | N/A | 97.9% | -84.0% | -30.7% | -41.2% | -18.1% | -2.9% | 0.6% | -4.1% | -2.9% |
| Net Income | 70M | 95M | 82M | 73M | 62M | -311M | -78M | -38M | -44M | -35M | -17M | -88M | -29M |
| Net Margin | N/A | 152.2% | 175.0% | 135.6% | 113.0% | -193.6% | -54.3% | -29.1% | -19.7% | -6.6% | -3.1% | -13.3% | -3.8% |
| Non-Recurring | 434K | 296K | 286K | 639K | 21M | 14M | 5.6M | -472K | 5.9M | 0 | 305K | 17M | 17M |
| Returns on Capital | |||||||||||||
| ROIC | 15.5% | 18.3% | 15.5% | 12.8% | 9.9% | -64.5% | -25.8% | -13.4% | -13.6% | -10.3% | -5.7% | -26.6% | -4.6% |
| ROE | 18.0% | 20.6% | 17.0% | 13.4% | 10.0% | -64.9% | -25.8% | -13.4% | -17.2% | -16.9% | -9.8% | -51.3% | -15.7% |
| ROA | 5.3% | 7.1% | 6.4% | 5.4% | 4.7% | -33.0% | -13.9% | -8.6% | -8.1% | -5.9% | -3.2% | -14.4% | -4.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 37M | 135M | 117M | 97M | 132M | -4.5M | -46M | -58M | -37M | 410K | 29M | -9.1M | 29M |
| Free Cash Flow | 13M | 99M | 81M | 86M | 123M | -14M | -52M | -63M | -42M | -16M | 16M | -26M | 14M |
| Owner Earnings | -58M | 38M | 13M | -25M | 94M | -42M | -61M | -63M | -48M | -31M | -2.8M | -52M | -26M |
| CapEx | 24M | 36M | 36M | 11M | 9.6M | 9.4M | 5.9M | 4.3M | 4.6M | 16M | 13M | 17M | 15M |
| Maint. CapEx | 91M | 94M | 100M | 120M | 35M | 37M | 13M | 4.3M | 7.6M | 24M | 24M | 34M | 48M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 91M | 94M | 100M | 120M | 35M | 37M | 13M | 4.3M | 7.6M | 24M | 24M | 34M | 48M |
| CapEx/OCF | 64.4% | 26.9% | 30.7% | 11.5% | 7.3% | N/A | N/A | N/A | N/A | 3940.5% | 44.0% | N/A | 52.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 25M | 9.2M | 27M | 46M | 0 | 0 | 0 | 0 | 0 | 1.3M | 1.5M | 14M | 14M |
| Buyback Yield | N/A | 1.0% | 6.1% | 8.2% | N/A | N/A | N/A | N/A | N/A | 0.6% | 0.5% | 4.0% | 3.6% |
| Stock-Based Comp | 3.7M | 3.2M | 3.6M | 2.0M | 2.6M | 393K | 1.7M | 344K | 3.0M | 7.3M | 7.9M | 9.5M | 7.2M |
| Debt Repayment | 87M | 14M | 8.7M | 37M | 77M | 37M | 15M | 0 | 5.6M | 18M | 20M | 150M | 150M |
| Balance Sheet | |||||||||||||
| Net Debt | 19M | -58M | -172M | -226M | -41M | N/A | N/A | -275M | 233M | 98M | 84M | 124M | 191M |
| Cash & Equiv. | 59M | 118M | 224M | 258M | 90M | 46M | 218M | 199M | 44M | 35M | 59M | 77M | 91M |
| Long-Term Debt | 62M | 51M | 43M | 7.5M | 5.5M | N/A | N/A | 0 | 135M | 129M | 127M | 189M | 186M |
| Debt/Equity | 0.17 | 0.12 | 0.11 | 0.05 | 0.08 | 0.77 | 0.27 | 0.00 | 1.18 | 0.74 | 0.81 | 1.21 | 1.51 |
| Interest Coverage | 13.6 | 28.8 | 33.4 | 27.9 | 6.6 | -13.7 | -5.8 | -18.1 | -6.9 | -0.8 | 0.2 | -1.3 | -1.3 |
| Equity | 442M | 478M | 493M | 598M | 641M | 317M | 290M | 276M | 235M | 179M | 176M | 166M | 187M |
| Total Assets | 1.4B | 1.3B | 1.3B | 1.5B | 1.2B | 670M | 454M | 428M | 657M | 542M | 558M | 654M | 675M |
| Total Liabilities | 909M | 838M | 660M | 743M | 373M | 245M | 78M | 67M | 342M | 283M | 303M | 392M | 404M |
| Intangibles | 69M | 47M | 49M | 39M | 27M | 2.2M | 612K | 357K | 157M | 122M | 111M | 139M | 124M |
| Retained Earnings | 523M | 618M | 700M | 773M | 836M | 523M | 445M | 407M | 363M | 328M | 310M | 223M | 218M |
| Working Capital | 201M | 220M | 322M | 385M | 144M | 58M | 248M | 242M | 72M | 62M | 58M | 83M | 83M |
| Current Assets | 1.0B | 994M | 924M | 1.1B | 427M | 296M | 319M | 294M | 218M | 164M | 188M | 244M | 244M |
| Current Liabilities | 808M | 775M | 602M | 721M | 283M | 238M | 71M | 52M | 146M | 102M | 130M | 160M | 160M |
| Per Share Data | |||||||||||||
| EPS | 1.50 | 2.02 | 1.71 | 1.33 | 1.09 | -5.48 | -1.37 | -0.67 | -0.75 | -0.56 | -0.27 | -1.14 | -54.63 |
| Owner EPS | -1.24 | 0.81 | 0.27 | -0.46 | 1.65 | -0.74 | -1.07 | -1.11 | -0.82 | -0.49 | -0.04 | -0.68 | -0.31 |
| Book Value | 9.45 | 10.19 | 10.23 | 10.88 | 11.25 | 5.59 | 5.07 | 4.86 | 4.02 | 2.87 | 2.72 | 2.16 | 2.24 |
| Cash Flow/Share | 0.79 | 2.88 | 2.42 | 1.77 | 2.32 | -0.08 | -0.81 | -1.03 | -0.64 | 0.01 | 0.45 | -0.12 | 0.22 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 46.7M | 46.9M | 48.2M | 54.9M | 57.0M | 56.8M | 57.2M | 56.8M | 58.5M | 62.6M | 64.6M | 76.8M | 83.2M |
| Valuation | |||||||||||||
| P/E Ratio | 7.6 | 9.2 | 5.3 | 7.7 | 8.1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -0.1 |
| P/FCF | 40.0 | 8.8 | 5.4 | 6.5 | 4.2 | N/A | N/A | N/A | N/A | N/A | 18.7 | N/A | 27.5 |
| EV/EBIT | 6.0 | 7.3 | 4.3 | 6.1 | 9.6 | N/A | N/A | N/A | N/A | N/A | 122.2 | N/A | N/A |
| Price/Book | 1.2 | 1.8 | 0.9 | 0.9 | 0.8 | 0.7 | 0.6 | 1.0 | 1.3 | 1.3 | 1.7 | 2.1 | 2.0 |
| Price/Sales | 0.8 | 1.0 | 1.1 | 1.0 | 0.9 | 1.9 | 1.4 | 1.8 | 1.3 | 0.5 | 0.5 | 0.6 | 0.5 |
| FCF Yield | 2.5% | 11.3% | 18.5% | 15.4% | 23.6% | -6.1% | -30.1% | -23.4% | -13.6% | -6.8% | 5.3% | -7.7% | 3.6% |
| Market Cap | 530M | 874M | 436M | 559M | 519M | 227M | 173M | 268M | 307M | 232M | 302M | 341M | 376M |
| Avg. Price | 9.81 | 12.88 | 13.96 | 10.89 | 9.98 | 5.53 | 3.51 | 4.26 | 4.90 | 4.34 | 3.94 | 4.81 | 4.52 |
| Year-End Price | 11.34 | 18.64 | 9.04 | 10.19 | 9.13 | 4.00 | 3.02 | 4.71 | 5.25 | 3.70 | 4.68 | 4.44 | 4.52 |
LESAKA TECHNOLOGIES INC passes 3 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average gross margin is 23.9%. Total shareholder yield (buybacks) is 3.6%. At current prices, the estimated annualized return to fair value is -25.5%.
LESAKA TECHNOLOGIES INC (LSAK) has a debt-to-equity ratio of 1.21. This indicates moderate leverage.
LESAKA TECHNOLOGIES INC (LSAK) reported earnings per share (EPS) of $-1.14 in its most recent fiscal year.
LESAKA TECHNOLOGIES INC (LSAK) has a return on equity (ROE) of -51.3%. A negative ROE may indicate losses or negative equity.
LESAKA TECHNOLOGIES INC (LSAK) has a 5-year average gross margin of 23.9%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 17 years of financial data for LESAKA TECHNOLOGIES INC (LSAK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
LESAKA TECHNOLOGIES INC (LSAK) has a book value per share of $2.16, based on its most recent annual SEC filing.