OakChart

Lesaka Technologies Inc

LSAKTechnology·Software - Infrastructure·South Africa·Micro·NASD·Nov 11 • 12:07 PM ET

3.41-0.12 (-3.40%)
2026-11-11 18:09 CET
Market cap
305.48 USD m
Revenue, TTM
734.68 USD m
Net income, TTM
3.12 USD m
Free cash flow, TTM
12.62 USD m
EPS diluted, TTM
0.04
P/E
88.80
Compare

Price

LSAK against its 20, 50 and 200-day averages
2050200beatmiss
3.504.004.505.005.50445K891KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26LSAKclose 3.4120-day 4.0050-day 4.24200-day 4.643.4152w high

38.4% under the 52-week high of 5.54 on 17 Mar 2026. 52-week low 3.40 on 9 Nov 2026. Last 15 sessions, 29.1% high to low

Profile

LSAK
52-week range, 0% of the way up
3.405.54

Lesaka Technologies, Inc. is a South African financial technology company, which engages in proprietary banking and payment technologies. It operates through the Merchant and Consumer segments. The Merchant segment includes activities related to the provision of goods and services provided to corporate and other juristic entities. The Consumer segment focuses on activities related to the provision of financial services to customers, including bank accounts, loans, and insurance products. The company was founded by Serge Christian Pierre Belamant in 1989 and is headquartered in Johannesburg, South Africa.

Employees3861
IPOApr 19, 1999
Beta0.28
ATR, 14d0.21
Rel volume0.97
Short float0.68%
Insider own27.21%
Inst own24.90%

Snapshot

6 groups

Valuation

Index-
Market Cap295.10M
Enterprise Value562.96M
Income3.12M
Sales734.68M
Book/sh2.54
Cash/sh0.99
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees3861
IPOApr 19, 1999

Ratios

P/E88.80
Forward P/E-
PEG-
P/S0.40
P/B1.34
P/C3.43
P/FCF23.38
EV/EBITDA9.11
EV/Sales0.77
Quick Ratio1.37
Current Ratio1.49
Debt/Eq1.01
LT Debt/Eq0.80
Option/ShortYes / Yes

Earnings

EPS (ttm)0.04
EPS next Y-
EPS next Q0.12
EPS this Y25.64%
EPS next Y-
EPS next 5Y-27.28%
EPS past 3/5Y- -
Sales past 3/5Y10.97% 40.72%
EPS Y/Y TTM103.65%
Sales Y/Y TTM8.43%
EPS Q/Q4.92%
Sales Q/Q7.65%
EarningsNov 04 AMC
EPS/Sales Surpr.33.33% 89.56%

Ownership

Insider Own27.21%
Insider Trans0.18%
Inst Own24.90%
Inst Trans5.01%
ROA0.45%
ROE1.15%
ROIC0.62%
Gross Margin26.40%
Oper. Margin2.36%
Profit Margin0.42%
SMA20-14.75%
SMA50-19.60%
SMA200-26.52%
Trades-

Technical

Shs Outstand83.30M
Shs Float63.00M
Short Float0.68%
Short Ratio2.41
Short Interest0.43M
52W High5.54 -38.45%
52W Low3.40 0.29%
Volatility8.65% 5.38%
ATR (14)0.21
RSI (14)28.24
Beta0.28
Rel Volume0.97
Avg Volume176.53K
Volume74,384

Performance

Perf Week-17.63%
Perf Month-27.60%
Perf Quarter-29.40%
Perf Half Y-29.11%
Perf YTD-28.51%
Perf Year-12.34%
Perf 3Y-18.91%
Perf 5Y-35.42%
Perf 10Y-68.10%
Recom1.00
Target Price10.46
Prev Close3.53
Price3.41
Change %-3.40%

Peers

Mkt cap
TickerCompanyMkt cap
PAGSPagSeguro Digital Ltd2.22B
STNEStoneCo Ltd1.93B
PSFEPaysafe Limited348.01M
PRTHPriority Technology Holdings Inc651.83M
EEFTEuronet Worldwide Inc2.57B
DLODLocal Limited4.10B
IMXIInternational Money Express Inc181.32M
RPAYRepay Holdings Corp363.32M
NUNu Holdings Ltd58.53B
JMIAJumia Technologies Ag ADR703.82M

Insider trading

latest 14 of 50
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Mazanderani AliExecutive ChairmanSep 15 '26Buy4.2128,226118,8312,476,764Sep 17 04:05 PM
Mazanderani AliExecutive ChairmanSep 16 '26Buy4.4014,77465,0062,491,538Sep 17 04:05 PM
IFC African, Latin American anMay be deemed affiliateSep 02 '26Proposed Sale4.56857,3623,909,571Sep 01 09:38 PM
IFC African, Latin American anMay be deemed affiliateJun 03 '26Proposed Sale4.85857,3624,158,206Jun 03 02:59 PM
International Finance Corp10% OwnerApr 14 '26Sale4.90106,948524,0885,330,784Apr 16 05:52 PM
International Finance Corp10% OwnerApr 16 '26Sale4.9066,437325,5485,244,859Apr 16 05:52 PM
International Finance Corp10% OwnerApr 15 '26Sale4.9019,48895,5365,311,296Apr 16 05:52 PM
International Finance Corp10% OwnerApr 10 '26Sale4.9857,894288,4745,489,962Apr 13 08:32 PM
International Finance Corp10% OwnerApr 13 '26Sale4.9252,230256,9875,437,732Apr 13 08:32 PM
International Finance Corp10% OwnerApr 09 '26Sale4.959,87848,9235,547,856Apr 13 08:32 PM
International Finance Corp10% OwnerApr 07 '26Sale4.9147,954235,6325,577,045Apr 08 06:21 PM
International Finance Corp10% OwnerApr 06 '26Sale4.9534,219169,4325,624,999Apr 08 06:21 PM
International Finance Corp10% OwnerApr 08 '26Sale4.9319,31195,1615,557,734Apr 08 06:21 PM
International Finance Corp10% OwnerMar 31 '26Sale5.0232,807164,6425,687,809Apr 02 06:42 PM

Held by

AUM
TickerCompanyAUM
SMLVState Street SPDR US Small Cap Low Volatility Index ETFAUM: 262.98M
EWXState Street SPDR S&P Emerging Markets Small Cap ETFAUM: 617.94M
BUSMEA Bridgeway Ultra-Small Company Market ETFAUM: 111.21M

News

latest 14 of 206
  • Lesaka Misses The Whisper As Merchant Trough Pushes Recovery Into Back Half; Consumer Strength And Reaffirmed FY27 Guide Keep The Thesis Alive (Earnings Whispers) -13.77%
  • Lesaka Technologies: Fiscal Q1 Earnings Snapshot (Associated Press)
  • Lesaka Delivers Q1 FY2027 Results in Line with Expectations, Reaffirms FY2027 Guidance (GlobeNewswire)
  • Lesaka's Soft Seasonal Quarter Tests Whether Merchant Repairs Can Support Bold FY27 Targets (Earnings Whispers)
  • Lesaka Webcast and Conference Call to Review First Quarter 2027 Results (GlobeNewswire)
  • Loading…
  • Lesaka Technologies Inc (LSAK) (Q4 2026) Earnings Call Highlights: First GAAP Profit Since 2022 ... (GuruFocus.com)
  • Lesaka Technologies: Fiscal Q4 Earnings Snapshot (Associated Press)
  • Lesaka's FY2026 Results: Lesaka delivers FY2026 guidance across all metrics, exceeds Adjusted EPS range and achieves GAAP profitability (GlobeNewswire)
  • Lesaka Webcast and Conference Call to Review Fourth Quarter and Year-End 2026 Results (GlobeNewswire)
  • Lesaka Technologies: Fiscal Q3 Earnings Snapshot (Associated Press)
  • Lesaka's Q3 FY2026 Results: Lesaka achieves the upper end of profitability guidance and raises its FY2026 full year Adjusted Earnings per Share guidance (GlobeNewswire)
  • Lesaka Webcast and Conference Call to Review Third Quarter 2026 Results (GlobeNewswire)
  • Lesaka Technologies Inc (LSAK) Q2 2026 Earnings Call Highlights: Record Growth in Consumer ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2027Q12026-11-040.0400.030-0.050184.5797.371
2026Q42026-09-090.1500.0900.03898.5098.781
2026Q32026-05-060.1100.0700.00796.3799.301
2026Q22026-02-040.0800.0400.04493.4091.301
2026Q12025-11-050.0600.030-0.05386.6183.741
2025Q42025-09-100.0500.040-0.34482.0081.221
2025Q32025-05-070.0400.020-0.27173.3774.101
2025Q22025-02-050.0100.010-0.403146.865.281
2025Q12024-11-060.040-0.040-0.07158.81144.152
2024Q42024-09-110.020-0.035-0.075146.05149.32
2024Q32024-05-080.020-0.025-0.063138.19145.532
2024Q22024-02-060.010-0.030-0.042143.89144.452
2024Q12023-11-07-0.090-0.080-0.089136.09134.652
2023Q42023-09-12-0.115-0.070-0.177133.1129.542
2023Q32023-05-09-0.020-0.060-0.091133.97148.331
2023Q22023-02-07-0.010-0.120-0.106136.07128.911

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2016FY1.6301.8501.710590.75601.38
2017FY1.3301.7801.330610.07627.65
2018FY2.0002.0401.112612.89595.83
2019FY-3.930-1.565-5.315380.7377.16
2020FY-1.040-0.910-1.594236.37223.5
2021FY-0.870-0.570-0.672130.79126.8
2022FY-0.490-0.590-0.752222.61193.1
2023FY-0.198-0.337-0.556528513.94
2024FY0.060-0.023-0.272564.22568.71
2025FY0.1300.065-1.190328.7446.21
2026FY0.3900.3510.030374.871,658
2027FY-0.490--619.64

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2027Q2S2026-11-05100107.54107.54107.54
2027Q2S2026-09-14100107.54107.54107.54
2027Q2R2026-11-051000.050.050.05
2027Q2R2026-09-141000.050.050.05
2027Q2E2026-11-051000.120.120.12
2027Q2E2026-09-141000.120.120.12
2027Q1S2026-09-1410097.3797.3797.37
2027Q1R2026-09-14100-0.03-0.03-0.03
2027Q1E2026-09-141000.030.030.03
2027FYS2026-11-05201619.64426.4812.89
2027FYS2026-09-15201621.14426.4815.89
2027FYS2026-09-14201621.14426.4815.89
2027FYS2026-09-11100815.89815.89815.89
2027FYS2026-09-10100818.87818.87818.87

Estimate history

EPS, annual1.112-5.315-1.594-0.672-0.752-0.556-0.272-1.190.0340.0384
Period201820192020202120222023202420252026TTM
EPS, quarterly-0.071-0.403-0.271-0.344-0.0530.0440.0070.038-0.05
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Sales, annual612.889166.227144.299130.786222.609527.971564.222659.701721.554734.68
Period201820192020202120222023202420252026TTM
Sales, quarterly153.568176.216161.45168.467171.448178.734183.051188.321184.572
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Shares, annual56.68656.56857.11956.71762.32463.6464.27281.24983.30783.305
Period201820192020202120222023202420252026MRQ
Shares, quarterly64.30280.15981.27981.24981.46481.52483.24683.30783.305
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27

Income statement, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Total Revenue734.68721.55659.70564.22527.97222.61130.79144.30166.23
Cost of Goods Sold Incl. D&A540.69538.18520.91466.34441.23175.89100.60106.96141.80
Gross Profit193.99183.37138.7997.8886.7446.7230.1937.3424.43
Selling, General and Administrative Excl. Other176.62164.77131.7491.7597.0674.9984.0663.76144.92
Research and Development-0.800.500.500.500.500.301.600.70
Other Operating Expense0.000.000.000.00-2.010.000.000.000.00
Operating Income17.3718.617.066.13-8.31-28.28-53.87-26.41-120.49
Interest Expense17.7518.5121.8218.9318.575.832.987.649.86
Unusual Expense1.761.8394.852.297.048.23-49.3035.35194.69
Net Income Before Taxes3.873.73-107.18-12.80-32.27-39.90-5.62-65.02-319.44
Income Taxes1.051.43-15.983.36-2.310.337.562.66-5.07
Consolidated Net Income2.992.43-88.02-16.65-33.41-43.01-37.83-95.32-308.74
Net Income From Continuing Operations3.122.67-87.89-16.65-33.41-43.01-37.83-95.32-307.38
Net Income3.122.67-87.89-16.65-33.41-43.01-37.83-89.28-297.47
EPS (Recurring)0.050.05-0.29-0.25-0.47-0.65-1.28-1.15-2.88
EPS (Basic, Before Extraordinaries)0.040.03-1.19-0.27-0.56-0.75-0.67-1.59-5.32
EPS (Diluted)0.040.03-1.19-0.27-0.56-0.75-0.67-1.59-5.32
EBITDA61.7965.9540.7829.8015.38-20.70-49.52-21.77-108.39
Non-Operating Income (Expense)6.055.462.442.291.652.431.934.395.60
Other After Tax Adjustments-0.12-0.093.060.791.670.870.231.904.38
Stock Option Compensation Expense5.125.517.546.255.772.220.251.240.28
Price To Earnings Ratio91.9391.93-------
Price To Sales Ratio0.480.550.500.510.431.322.031.181.35
Gross Margin26.4025.4121.0417.3516.4320.9923.0825.8814.70
Operating Margin2.362.581.071.09-1.57-12.70-41.19-18.30-72.49
Net Margin0.420.37-13.32-2.95-6.33-19.32-28.92-61.87-178.95
Shares Outstanding83.3083.3181.2564.2763.6462.3256.7257.1256.57
Market Capitalization305.48305.48364.81297.65234.77304.18266.39173.64227.34

Income statement, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q42025Q32025Q2
Total Revenue184.57188.32183.05178.73171.45168.47161.45176.22
Cost of Goods Sold Incl. D&A134.03135.94134.47136.26131.33130.72125.44138.92
Gross Profit50.5552.3848.5842.4840.1137.7536.0137.30
Selling, General and Administrative Excl. Other51.5644.5440.2540.2839.6434.3034.2236.52
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-1.017.848.332.200.483.451.790.78
Interest Expense4.264.434.484.594.904.475.786.17
Unusual Expense0.061.503.13-2.920.0937.5221.6433.73
Net Income Before Taxes-4.782.571.884.19-4.56-37.90-24.98-38.57
Income Taxes-0.53-0.601.500.67-0.15-8.93-2.93-6.41
Consolidated Net Income-4.063.120.423.51-4.30-28.12-21.24-31.01
Net Income From Continuing Operations-4.063.120.543.52-4.18-27.94-21.26-31.03
Net Income-4.063.120.543.52-4.18-27.94-21.26-31.03
EPS (Recurring)-0.050.050.030.02-0.05-0.02-0.08-0.10
EPS (Basic, Before Extraordinaries)-0.050.040.010.04-0.05-0.34-0.27-0.40
EPS (Diluted)-0.050.040.010.04-0.05-0.34-0.27-0.40
EBITDA8.9618.1818.8815.7713.3714.2410.229.00
Non-Operating Income (Expense)0.550.691.153.66-0.040.640.650.56
Other After Tax Adjustments0.12-0.10-0.02-0.120.120.830.801.10
Stock Option Compensation Expense1.081.441.051.541.471.611.972.09
Price To Earnings Ratio91.93-------
Price To Sales Ratio0.480.570.580.560.480.550.590.68
Gross Margin27.3927.8226.5423.7623.4022.4122.3021.17
Operating Margin-0.554.174.551.230.282.051.110.44
Net Margin-2.201.660.291.97-2.44-16.59-13.17-17.61
Shares Outstanding83.3083.3183.2581.5281.4681.2581.2880.16
Market Capitalization305.48426.41427.16401.09337.19364.81377.42431.77

Balance sheet, annual

Currency USD, millions
Metric2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Cash & Short Term Investments81.5476.6465.9258.63104.80223.76232.4995.4687.08
Short Term Receivables147.57116.6480.7262.4162.7947.7358.9552.12154.91
Inventories20.1123.5518.2327.3434.2322.3619.865.7110.36
Other Current Assets18.5027.1022.8315.2615.920.478.01142.37174.49
Total Current Assets267.73243.92187.70163.64217.73294.32319.31295.65426.84
Net Property, Plant & Equipment70.3754.6239.2232.1831.7512.0112.058.2325.74
Total Investments and Advances5.480.3276.5079.4782.1686.3092.83175.42296.28
Long-Term Note Receivable----0.003.892.860.0017.58
Intangible Assets338.72338.61249.90255.34319.3629.5124.7839.54196.21
Deferred Tax Assets12.4710.343.4510.313.780.620.360.234.78
Other Assets4.513.681.691.301.791.681.50151.17249.89
Total Assets699.29651.49558.45542.23656.57428.33453.68670.251,217.31
Short Term Debt Incl. Current Port. of LT Debt41.1940.4322.3137.4675.5217.0717.0784.9944.08
Accounts Payable23.9919.8716.6712.3818.577.116.299.8721.11
Income Tax Payable1.691.400.651.002.140.2616.161.3311.22
Other Current Liabilities101.79102.7378.4151.0749.6428.0531.79141.96206.13
Total Current Liabilities168.66164.43118.05101.91145.8752.4971.30238.15282.53
Long Term Debt213.94194.94144.40132.59139.671.893.310.005.47
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities28.3833.9238.1346.8454.2110.411.861.3216.07
Other Liabilities3.992.992.601.982.472.582.015.7668.68
Total Liabilities414.96396.28303.16283.33342.2267.3778.49245.23372.75
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value78.9788.9679.4379.4379.4384.9884.98107.67107.67
Common Equity205.35159.41175.86179.48234.92275.98290.21317.34640.99
Total Shareholders Equity284.32248.37255.29258.91314.35360.96375.19425.01748.66
Accumulated Minority Interest0.006.840.000.000.000.000.000.0095.91
Total Equity284.32255.21255.29258.91314.35360.96375.19425.01844.57
Total Liabilities & Stockholders Equity699.29651.49558.45542.23656.57428.33453.68670.251,217.31
Book Value Per Share2.471.962.742.823.774.875.085.6111.31
Tangible Book Value Per Share-1.60-2.21-1.15-1.19-1.354.354.654.917.85
Full-Time Employees3,8613,7282,5312,3032,6573,0792,8752,8898,379
Price to Book Ratio1.391.971.741.351.360.970.600.450.72
Return on Assets0.39-14.53-3.03-5.57-7.93-8.58-16.96-32.574.56
Return on Equity0.99-34.90-6.48-11.66-12.74-10.28-23.82-52.388.37
Return on Invested Capital0.54-19.83-4.17-8.53-9.47-10.42-23.59-69.998.38
Quick Ratio1.471.341.441.341.265.184.201.221.47
Current Ratio1.591.481.591.611.495.614.481.241.51

Cash flow, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Net Income2.812.51-91.09-17.44-35.07-43.88-38.06-78.36-308.66
Depreciation45.6347.3533.7223.6723.697.584.354.6537.35
Other Funds (Non Cash)17.2216.06101.4414.6031.654.96-17.2440.14274.01
Funds from Operations55.3056.4722.3418.1111.37-33.67-45.86-33.97-9.06
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-17.25-4.02-31.4610.68-10.96-3.53-12.52-12.084.60
Income Taxes Payable0.840.400.49-0.40-0.801.09-17.21-1.433.43
Cash from Operating Activities38.0552.44-9.1228.790.41-37.20-58.37-46.05-4.46
Capital Expenditures-29.64-25.05-21.10-12.96-16.58-4.56-4.29-5.94-10.80
Net Assets From Acquisitions-15.20-14.82-12.95-1.580.00-202.160.00-0.33-2.29
Sale of Fixed Assets and Businesses1.911.851.941.571.504.2220.69204.091.05
Purchase or Sale of Investments-2.74-2.0816.443.760.6612.9823.4743.02-2.73
Purchase of Investments-5.99-5.050.000.00-0.110.00-1.24-3.73-4.05
Sale Or Maturity of Investments3.252.9716.443.760.7712.9824.7146.751.31
Other Uses-0.320.000.00-7.20-2.04-4.160.00-17.720.00
Other Sources6.8910.824.320.000.000.007.900.0079.08
Cash from Investing Activities-39.10-29.28-11.34-16.42-16.46-193.6947.78223.1264.30
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-0.47-0.28-13.54-1.33-0.810.760.050.000.00
Repurchase of Common Pref Stock-0.53-0.34-13.66-1.50-1.290.000.000.000.00
Sale of Common Pref Stock0.060.060.120.170.480.760.050.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net18.91-12.5048.86-13.00-20.36118.67-5.36-57.9559.04
Change in Long Term Debt-5.69-6.7940.553.666.8473.270.000.23-22.74
Issuance of Long Term Debt8.446.95190.0623.7324.3678.850.0014.8014.61
Reduction of Long Term Debt-14.13-13.74-149.51-20.07-17.51-5.580.00-14.57-37.36
Net Financing Active Other Cash Flow-7.16-10.68-5.587.212.052.83-7.789.11-83.58
Other Financing Activities Uses-7.28-10.68-5.580.000.00-1.31-7.90-0.15-83.58
Cash from Financing Activities11.28-23.4529.73-7.11-19.12122.26-13.08-48.84-24.53
Exchange Rate Effect3.525.181.452.03-11.00-10.3414.96-17.26-3.85
Net Change in Cash13.754.9010.727.29-46.17-118.97-8.72110.9731.46
Free Cash Flow12.6231.80-26.3216.12-15.75-41.76-62.66-51.98-13.88
Price to Free Cash Flow27.7512.45-17.79-----
Deferred Taxes & Investment Tax Credit--9.45-21.74-2.71-8.89-2.325.09-0.39-11.75

Balance sheet, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Cash & Short Term Investments85.9181.5490.7069.6072.2876.64
Short Term Receivables166.51147.57144.89161.84125.65116.64
Inventories24.0220.1117.4925.1018.9623.55
Other Current Assets18.8918.5021.4328.3123.6527.10
Total Current Assets295.32267.73274.52284.85240.54243.92
Net Property, Plant & Equipment81.7470.3753.1659.0956.1554.62
Total Investments and Advances6.025.480.490.540.170.20
Intangible Assets333.87338.72331.15343.55339.64338.61
Deferred Tax Assets13.0312.4711.2112.4912.3212.55
Other Assets4.714.514.434.134.023.81
Total Assets734.69699.29674.95704.64652.86653.71
Short Term Debt Incl. Current Port. of LT Debt59.6641.1955.5139.3729.3340.43
Accounts Payable25.3723.9919.3620.1519.1419.87
Income Tax Payable2.631.692.521.631.961.40
Other Current Liabilities110.20101.79101.37120.6898.8598.77
Total Current Liabilities197.86168.66178.76181.83149.27160.47
Long Term Debt224.42213.94192.13211.61201.56194.94
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities26.8228.3829.1431.5532.7733.92
Other Liabilities4.173.993.623.003.032.99
Total Liabilities453.28414.96403.65427.99386.63392.33
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value69.6978.9784.6888.9688.9688.96
Common Equity211.72205.35186.62180.56170.35165.59
Total Shareholders Equity281.41284.32271.31269.52259.31254.54
Accumulated Minority Interest0.000.000.007.146.916.84
Total Equity281.41284.32271.31276.65266.22261.38
Total Liabilities & Stockholders Equity734.69699.29674.95704.64652.86653.71
Book Value Per Share2.542.472.242.212.092.04
Tangible Book Value Per Share-1.47-1.60-1.74-2.00-2.08-2.13
Full-Time Employees-3,861---3,728
Price to Book Ratio1.392.222.302.282.041.97
Return on Assets0.450.44-4.24-7.41-14.01-13.96
Return on Equity1.151.11-10.29-18.07-32.28-33.20
Return on Invested Capital-0.800.630.120.73-0.91-6.22
Quick Ratio1.371.471.441.431.481.37
Current Ratio1.491.591.541.571.611.52

Cash flow, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Net Income-4.183.310.433.25-4.41-29.51
Depreciation9.979.9911.6913.9812.8911.02
Other Funds (Non Cash)5.746.834.620.034.9928.25
Funds from Operations9.3915.1116.0214.7811.99-0.50
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-16.191.5923.08-25.73-3.07-5.97
Income Taxes Payable0.94-0.991.31-0.420.51-1.11
Cash from Operating Activities-6.8016.7039.10-10.958.92-6.47
Capital Expenditures-9.07-10.42-5.06-5.09-5.12-5.88
Net Assets From Acquisitions0.00-3.44-11.24-0.520.00-0.16
Sale of Fixed Assets and Businesses0.471.65-0.680.470.450.24
Purchase or Sale of Investments-0.62-4.970.072.760.0016.33
Purchase of Investments-0.82-4.92-0.01-0.250.000.00
Sale Or Maturity of Investments0.20-0.050.083.020.0016.33
Other Uses-0.320.000.000.000.000.00
Other Sources0.003.756.58-3.444.21-0.99
Cash from Investing Activities-9.55-13.42-10.33-5.81-0.469.53
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)--0.00---
Change in Capital Stock-0.190.04-0.05-0.280.00-1.20
Repurchase of Common Pref Stock-0.19-0.02-0.05-0.280.00-1.20
Sale of Common Pref Stock0.000.060.000.000.000.01
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net20.65-16.036.218.08-11.070.11
Change in Long Term Debt2.891.22-9.850.051.62-0.11
Issuance of Long Term Debt4.082.190.841.332.763.02
Reduction of Long Term Debt-1.19-0.97-10.70-1.27-1.15-3.13
Net Financing Active Other Cash Flow0.12-0.52-9.913.15-3.671.31
Other Financing Activities Uses0.00-0.52-9.913.15-3.671.31
Cash from Financing Activities20.58-16.51-3.7510.95-14.740.23
Exchange Rate Effect0.133.60-3.233.011.922.26
Net Change in Cash4.37-9.6321.80-2.79-4.365.54
Free Cash Flow-15.047.3135.35-14.994.94-10.71
Price to Free Cash Flow27.7512.5427.73---

Revenue breakdown

Loan Based Fees Received2025: 37.34M 2026: 65.70M
Product2025: 9.16M 2026: 10.16M
Rental Income2026: 15.32M
Service2025: 613.20M 2026: 630.38M
Rest Of World2025: 34.86M 2026: 42.53M
South Africa2025: 624.85M 2026: 679.02M
Consumer2025: 96.01M 2026: 142.44M
Enterprise2025: 39.44M 2026: 72.92M
Merchant2025: 524.25M 2026: 506.19M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.68%0.4M63.0M172.42K
2026-10-150.53%0.3M62.5M165.51K
2026-09-300.55%0.3M58.1M134.48K
2026-09-150.47%0.3M58.1M121.68K
2026-08-310.38%0.2M58.1M130.70K
2026-08-140.40%0.2M57.2M156.82K
2026-07-310.51%0.3M57.2M152.05K
2026-07-150.42%0.2M58.1M146.03K
2026-06-300.44%0.3M58.1M147.36K
2026-06-150.46%0.3M55.8M139.39K
2026-05-290.53%0.3M49.9M123.63K
2026-05-150.59%0.3M49.9M95.37K
2026-04-300.58%0.3M49.9M91.68K
2026-04-150.61%0.3M48.8M87.65K
2026-03-310.56%0.3M48.2M88.61K
2026-03-130.55%0.3M48.2M72.88K
2026-02-270.36%0.2M48.2M66.94K
2026-02-130.49%0.2M48.2M63.99K
2026-01-300.40%0.2M47.8M53.70K
2026-01-150.27%0.1M48.3M45.64K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.500.801.302.074.2032060.000.899-0.0090.001
call5.000.000.700.055.3271,0310.000.485-0.0630.002
call7.500.000.500.005.9810.000.000.356-0.0660.002
put2.500.000.050.051.77310.000.00-0.098-0.0090.001
put5.000.802.150.004.7340.000.00-0.515-0.0620.002
put7.503.304.700.006.7230.000.00-0.645-0.0650.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-048-KCurrent report2026-11-04SEC
2026-10-144Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-10-073Initial statement of beneficial ownership of securities2026-09-28SEC
2026-10-073Initial statement of beneficial ownership of securities2026-09-28SEC
2026-10-064Statement of changes in beneficial ownership of securities2025-12-01SEC
2026-10-02DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-11-18SEC
2026-10-02ARSAnnual report to security holders. 2026-06-30SEC
2026-10-02DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-09-29SCHEDULE 13D/ASEC
2026-09-298-KCurrent report2026-09-23SEC
2026-09-174Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-148-KCurrent report2026-09-08SEC
2026-09-0910-KAnnual report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-09-098-KCurrent report2026-09-09SEC
2026-09-01144Filing for proposed sale of securities under Rule 144.SEC
2026-08-038-KCurrent report2026-08-03SEC
2026-07-31SCHEDULE 13G/ASEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-02DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-08-03SEC
2026-06-22PRE 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-08-03SEC
2026-06-17SCHEDULE 13D/ASEC
2026-06-178-KCurrent report2026-06-11SEC
2026-06-03144Filing for proposed sale of securities under Rule 144.SEC
2026-05-188-KCurrent report2026-05-12SEC
2026-05-188-KCurrent report2026-05-18SEC
2026-05-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-068-KCurrent report2026-05-06SEC
2026-05-06S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-04-164Statement of changes in beneficial ownership of securities2026-04-14SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-09183.84K200
2026-080000
2026-070000
2026-060000
2026-050000
2026-04002.18M11
2026-03150.08K11.98M25
2026-02398.60K100
2026-010000
2025-129.13M64331
2025-110000

Institutional holders

Manager% owned
MORGAN STANLEY5.99%
GOLDMAN SACHS GROUP INC5.89%
Rathbones Group PLC4.26%
Hosking Partners LLP4.04%
Potomac Capital Management, Inc.1.77%
Kingsway Capital Partners Ltd1.07%
DEUTSCHE BANK AG\0.51%
CITADEL ADVISORS LLC0.47%
INTREPID FAMILY OFFICE LLC0.29%
UBS Group AG0.27%

Funds

Fund% owned
SIIT SMALL CAP II FUND0.09%
State Street(R) SPDR(R) US Small Cap Low Volatility Index ETF0.08%
Fidelity Nasdaq Composite Index Fund0.04%
Parametric Tax-Managed Emerging Markets Fund0.02%
Victory Extended Market Index Fund0.01%
Small Cap Core Fund0.00%
THE EMERGING MARKETS SMALL CAP SERIES0.00%

OakChart. LSAK. Cached 15 minutes.

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